-
Where can I find the documentation?
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What is a credit card merchant account?
-
Does your service automatically come with a Merchant Account?
-
Do I need a credit card merchant account to process transactions?
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How do I get a Merchant Account?
-
What's the difference between my merchant bank, an authorizing network,
and Pay-Me-Now.com?
-
Why do I need Pay-Me-Now.com if I have a merchant account?
-
Can I use my existing merchant account and process my credit cards
through
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Should I offer both Electronic Checks and Credit Card transactions
as payment methods for my customers?
-
Can I process with Pay-Me-Now.com if I am not a U.S. business?
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Is Pay-Me-Now.com a Bank?
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Where are my transaction funds deposited?
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Can I view a report of fees charged against my account by Pay-Me-Now.com?
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How long does it take to receive funds after my transactions are submitted?
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Can I sign up with Pay-Me-Now.com online?
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How will I know when the setup of my account is complete?
-
How do I log into the Online Merchant Center?
-
How long does it take to integrate the Pay-Me-Now.com Online Commerce
Suite into my website?
-
What are Pay-Me-Now.com Online Checks™?
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Which credit cards will I be able to accept?
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How do I process AMEX transactions?
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How do I process Discover transactions?
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Can I verify credit cards by telephone?
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What is the Recurring system?
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What do I need to do to cancel my account?
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My website will be down for a while. Do I still have to pay Pay-Me-Now.com a monthly service fee?
-
What length of time can a consumer "charge back" an ACH transaction
after it has been submitted?
-
How secure is my transaction information?
-
Which Credit Card Processors is Pay-Me-Now.com compatible with?
-
What information is required to configure my authorizing network?
-
When do batches get settled?
-
How do I process a voice authorization?
-
I don't have access any of the menus on the left-hand frame. It says
I need to contact my administrator for access.
-
What is AVS?
-
Do you provide a shopping cart?
-
How long does it take for a transaction to take place?
Where can I
find the documentation?
Documentation for all of the
Pay-Me-Now.com Online Commerce Suite products is available at
www.paymenow.com/html/user_manuals.html
What is a
credit card merchant account?
To accept credit cards on your web site
you will need to obtain an Internet Merchant Account with an acquiring bank.
This is an account designed to enable you to accept credit cards over the
Internet. Not all banks currently support Internet merchant accounts. Contact
your bank to determine if your existing account will allow you to process
Internet-based transactions.
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Does your
service automatically come with a Merchant Account?
No. A merchant Account is set up
separately through a Merchant Bank. Pay-Me-Now.com has partnered with
Merchant Banks that can provide internet capable Merchant Accounts.
Contact Pay-Me-Now.com customer
service for assistance in applying for a Merchant Account through a Pay-Me-Now.com partner.
Do I need a
credit card merchant account to process transactions?
A merchant account is not required to
process electronic checks. However,
if you would like to process credit cards, an Internet capable merchant account
is required. Pay-Me-Now.com is
not a credit card merchant account provider.
However, we can help facilitate the
process of obtaining account if you need one through one of our merchant bank
partners
How do I get
a Merchant Account?
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For a new merchant account, please
contact us for information about our merchant banking partners. We have
partnered with banks that specialize in setting up new merchant accounts with
very competitive pricing.
If you have an existing merchant account
or would like to use the bank of your choice, Pay-Me-Now.com can integrate
with most Internet ready merchant accounts that use one of our compatible
authorizing networks.
What's the
difference between my merchant bank, an authorizing network, and Pay-Me-Now.com?
The merchant bank that issues you a
Merchant Credit Card Account contracts with a processor to handle credit card
processing for it. > The Pay-Me-Now.com payment gateway provides a "bridge" between the merchant's website
(using a secure Internet connection from the merchant's website to Pay-Me-Now.com) and the processor (using leased lines from Pay-Me-Now.com to the
processor).
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Why do I need Pay-Me-Now.com if I have a
merchant account?
Pay-Me-Now.com allows you to use your
merchant account and process live, secure credit card transactions over the
Internet. Pay-Me-Now.com becomes
your 'card swiping machine' over the Internet allowing you to accept credit card
orders 7 days a week, 24 hours a day without the need of human intervention and
with an entire back office environment to run your
business.
Can I use my
existing merchant account and process my credit cards through Pay-Me-Now.com.
Yes, if the bank your merchant account
supports Internet transactions and uses an authorizing network that Pay-Me-Now.com is integrated with.
Should I
offer both Electronic Checks and Credit Card transactions as payment methods for
my customers?
Offering your customers a choice in
payment method greatly increases your market potential.
Studies show that for purchases over
$25, almost half of all consumers prefer to pay by check with only 18 percent
preferring credit cards. Over 90
percent of consumers have checkbooks, and write over 30 billion checks every
year. On the commercial side, about
15 billion checks are written business-to-business with an additional 10 billion
checks written business-to-an individual.
Can I
process with Pay-Me-Now.com if I am not a U.S.
business?
You must have a US business address and
a US bank account to process with Pay-Me-Now.com.
Is Pay-Me-Now.com a Bank?
No. Pay-Me-Now.com is a transaction
processing company. Through the Pay-Me-Now.com Online Commerce Suite, an
Internet merchant can process both Credit card and Electronic Check (ACH)
transactions.
Where are my
transaction funds deposited?
The funds from your ACH transactions are
deposited into the checking account that Pay-Me-Now.com has on file, from the
voided check that was submitted with your contract.
The funds from you credit card
transaction are deposited into the account that is associated with your merchant
account bank.
Can I view a
report of fees charged against my account by Pay-Me-Now.com?
Your fee invoices are available online
24 hours a day, 7 days a week.
Simply login to Online Merchant Center and select the Invoices/Fee Report
under the Accounting menu in the left-hand frame.
How long
does it take to receive funds after my transactions are
submitted?
The amount of time it takes to receive
credit card funds depends on your credit card merchant bank. Typically the time
is 48 hours, but you will need to ask them directly regarding when to expect
your funds.
The amount of time it takes to receive
ACH (Online Check) transactions into your checking account is 8 banking days. On
the eighth banking day you should see a settlement notification in the Online
Merchant Center menu titled Online Check
Settlements.
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Can I sign
up with Pay-Me-Now.com online?
Yes. Contact Pay-Me-Now.com or your reseller
for more information.
https://www.pay-me-now.com/mpsignup.taf?originator=merchantpartners
How will I
know when the setup of my account is complete?
>
Once your account has been completed,
you will receive notification via email.
How do I log
into the Online Merchant Center?
Go to
https://www.pay-me-now.com/admin/login.taf
Fill in the following fields: Acct Id,
User Id, and Password.
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This information is sent via email
during the setup process.
How long
does it take to integrate the Pay-Me-Now.com Online Commerce Suite into my
website?
If you have a merchant account that is
Internet ready, your Pay-Me-Now.com account can be activated with one to
three business days. The actual
time required to begin processing transactions from your web site depends on the
integration method you select and the technical expertise of your
staff.
What are
Pay-Me-Now.com Online Checks™?
Pay-Me-Now.com Online Checks™ provide
your customers with the convenience of making online purchases by debiting their
personal checking accounts. A
customer simply fills in a form at your website with bank information printed at
the bottom of his or her personal check.
The information is processed as an Electronic Funds Transfer (EFT) to the
customer's account via the Automated Clearinghouse (ACH) payment system.
This is the same system used by the
Federal Government to distribute pension, insurance, retirement payments and to
collect taxes.
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Which credit
cards will I be able to accept?
Pay-Me-Now.com Online Commerce Suite
can process VISA, MasterCard, American Express, Discover, Diners Club and
JCB. Contact your Merchant Bank to
determine which of these cards you are approved to
process.
How do I
process AMEX transactions?
In order to process American Express
credit cards, you need to apply with American Express for an American Express
Merchant account. Your Merchant Bank can assist you with this process.
Once the account is approved, you must
provide the information to your Merchant Bank that processes your MasterCard and
VISA transactions. After this is
confirmed, the final step is to login to Online Merchant Center, open the Acct
Edit/Delete menu, and select the payment option
AMEX.
How do I
process Discover transactions?
In order to process Discover credit
cards, you need to apply with Discover for a Discover Merchant account. Once the
account is approved, you must provide the information to your Merchant Bank that
processes your MasterCard and VISA transactions.
After this is confirmed, the final step
is to login to Online Merchant Center, open the Acct Edit/Delete menu, and
select the payment option Discover.
Can I verify
credit cards by telephone?
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No, all transaction verifications are
online. We do not offer a telephone
verification service. However, we
do provide you with the ability to bill a credit card you have verbally
authorized through the Online Merchant Center Virtual
Terminal.
What is the
Recurring system?
The Recurring System in the Online
Commerce Suite enables you to automatically rebill your customers' credit card
or checking account on a scheduled basis (i.e. weekly, monthly, quarterly,
etc.). Recurring billing can be
configured via the Online Merchant Center Virtual Terminal, or one of the other
integration methods. Refer to the
Online Documentation for information on how to submit recurring
transactions.
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What do I
need to do to cancel my account?
In order to cancel your account,
Pay-Me-Now.com requires that a 30-day written notice be submitted via fax or
US mail. On the cancellation notice please verify the purpose of the account
cancellation, along with the company name, 5 digit Account ID, signature of the
primary contact on record, and an email address to which a confirmation can be
sent. Please do not assume
your account is cancelled until you receive confirmation via
email.
My website
will be down for a while. Do I still have to pay Pay-Me-Now.com a monthly
service fee?
You have the choice to put your account
on a temporary deactivation. During this time your account will be temporarily
deactivated, you will not incur any fees. With the temporary deactivation you
have 6 (six) months to reactivate the account for the fee of $50.00. If you
choose to reactivate the account after 6 months, you would be required to pay
whatever the current setup fee for new accounts is.
What length
of time can a consumer "charge back" an ACH transaction after it has been
submitted?
In the ACH industry a "charge back" is
called a "Return." ACH rules allow a consumer 60 calendar days (includes
weekends and Holidays) to contest a transaction.
The 60 days start the day after the
money is withdrawn from the consumer's account. This could be up to 4
business-banking days after the original
transaction.
After the 60 days, it may take up to 4
business banking days for the return to be received by Pay-Me-Now.com. The
merchant is informed of the return the same day Pay-Me-Now.com receives it.
If the bank has trouble identifying the return, it may be a couple of weeks
before Pay-Me-Now.com receives it and informs the
merchant.
How secure
is my transaction information?
The Online Merchant Center system
protects consumer payment information while in transit over the Internet.
Security mechanisms use mathematical
algorithms to encrypt data before it is sent and decrypt the data as it is
received. The Online Commerce Suite
uses RSA or Triple DES for secured network transactions.
For more detailed information refer to
the Online Commerce Suite Integration Guide
documentation.
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Which Credit Card Processors is Pay-Me-Now.com compatible with?
Pay-Me-Now.com processes through the
following credit card authorizing networks:
- ACH Only/None
- Bank Adapter
- Cross Check
- Elavon N.A. (formerly NOVA)
- EPX
- First Data Nashville Host Capture
- First Data Nashville Terminal Capture
- First Data North
- First Data Omaha
- Global Payments East
- Oculus
- Paymentech ISO EMV
- Paymentech-Tampa
- Profituity
- Rapid Direct Connect
- Sage Payments Live
- TSYS/Vital
- Vantiv Litle XML
- WorldPay Certification Platform
- WorldPay Core
- WorldPay ISO 8583
- WorldPay Lynk
- WorldPay TCMP
What
information is required to configure my authorizing
network?
Mapp
(Globalpayments Central):
*Merchant Account Number:
This may vary in the number of
digits
*TID:
Will always contain a two-digit prefix,
usually EA. 13 digits
*Name of the merchant account provider
and phone number
Network1:
*EFT Secure M_Key:
12 digits
*EFT Secure M_ID:
12 digits
*Merchant ID:
16 digits
*Terminal ID or V Number:
8 digits
TSYS (Vital):
Merchant
Name
Acquirer Bin:
6 digits
Phone Number:
The merchant's customer service phone
number
Merchant Number:
12 digits
Terminal Number:
4 digits
Merchant Location:
Merchant's
City
Merchant State:
Merchant's
State
Merchant Category Code:
4 digits
Merchant Location Number:
5 digits
Agent Number:
6 digits
Chain Number:
6 digits
Store Number:
4 digits
Terminal ID Number/V Number:
8 digits
City Code:
Merchant's Zip
Code
Name of the merchant account provider
and phone number
Digital Courier:
VID:
6 digits
Password:
8 digits
Paymentech Tampa:
Client #:
4 digits
Mid:
12 digits
Tid:
3 digits
Merchant account provider (bank name)
and phone number.
Nova:
*BIN:
6 digits
*Merchant ID:
16 digits
*Terminal ID:
16 digits
Echo:
Terminal ID:
10 digits
Name of the merchant account provider
and its phone number.
FDR-7 (FirstData Omaha):
Merchant account number assigned by the
issuing bank. > The number varies
between 14-16 digits.
FDC Nashville:
*Merchant ID:
16 digits
*Terminal ID:
16 digits
The product ID (PID) for the Online Commerce Suite is 822700. The VID is 227.
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What are the settlement times for the terminal capture (batch settlement) Authorizing Networks?
Open batches will be closed and settled daily at the following times. All times are Pacific time zone. Note: Open batches that exceed the transaction threshold will be closed and settled whenever they hit the threshold. To view the status of a particular batch, login to the Online Merchant Center and select the Settlement Report menu option.
FDC-Nashville: 3:00pm (transaction threshold of 200)
FDR-7: 3:00pm (transaction threshold of 499)
Nova: 12 Noon (transaction threshold of 200)
TSYS (Vital): 12 Noon (transaction threshold of 200)
Mapp, Echo, Network1, Digital Courier, and Paymentech Tampa are host capture, meaning that the authorizing network settles the transactions. For information regarding host capture settlement times, contact the authorizing network directly.
How do I
process a voice authorization?
Login to the Online Merchant Center and
scroll down to the Virtual Terminal in the left-hand frame.
Select the Process Online Charge
screen. Enter the transaction
information and select the Voice Auth Capture radio button.
Enter the authorization code and submit
the transaction.
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I don't have
access any of the menus on the left-hand frame. It says I need to contact my
administrator for access.
If you're using Internet Explorer,
please do the following:
Select
Tools
Click on Internet
Options
Under Temporary Internet Files, select
Delete Files.
Next box will prompt you to select,
Delete all offline content, and select OK.
You will be taken back to the Internet
Options box, select OK.
If you're using Netscape Navigator,
please do the following:
Click on
Edit
Select
Preferences
Under Category files, select
Advanced
Next select on
Cache
Select Clear Memory
Cache
After you have cleared the Memory Cache,
select Clear Disk Cache
Now select
OK.
After following these instructions you
should be able to access all the Menus in Online Merchant
Center.
What is
AVS?
Address Verification System (AVS)
matches the known address information on file at the cardholders issuing bank’s
AVS database against the billing address information provided by the
consumer/merchant.
If the information does not match, the
transaction is declined. Transactions declined due to non-match of AVS are still
pre-authorized (reserved/hold amount that will decrease the consumers limit) by
the credit card network, but the sale amount will not be charged to the credit
card holder's account and will not be deposited to your bank
account.
Merchants have the option of selecting
the level of match required for an approved transaction.
Refer to the FRISK™ section of the
Online Documentation for more information regarding configuring AVS
options.
The service only applies to credit card
transactions.
Do you
provide a shopping cart?
Yes, a basic shopping cart is included
in the Online Commerce Suite. A
full-featured shopping cart is also available for merchants that require more
advanced shopping cart capabilities. >
Contact Customer Service for details.
How long does it take for a transaction to
take place?
Transactions submitted to the Online
Commerce Suite payment gateway engine are processed in real time, and take
approximately 1-3 seconds to return a response.
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