FAQ

The process for applying for payment services is as follows:

  1. How long does it take to have 00Pay's services up and running?
  2. How complicated is it to accept payments with 00Pay?
  3. How much does it cost to sign up with 00Pay?
  4. What are the 00Pay fees?
  5. When do I receive my payouts?
  6. What credit cards does 00Pay accept?
  7. Do you provide a copy of the API?
  8. Does 00Pay accept international merchants?
  9. Do I need to incorporate and set up bank accounts in any particular region or country?
  10. Do you provide any check processing payment options?
  11. Are there minimum and maximum transaction amounts?
  12. Does 00Pay provide payment procesing for both electronic and physical (tangible) delivery merchants?
  13. Does the merchant's web site need to be hosted in any particular country?
  14. Do I have to place any secure forms on my website?
  15. Can I check my sales statistics at any time?
  16. Will I need to purchase and/or install any special software or hardware?
  17. Are there volume caps?
  18. What currencies do you accept payments in?
  19. Do merchants need to provide a Tax ID number?
  20. What are holdback reserves?
  21. What is a chargeback?
  22. Does 00Pay notify me if there is a chargeback?
  23. How does 00Pay protect merchants from fraudulent activities?
  24. How reliable is 00Pay's hardware?
  1. How long does it take to have 00Pay's services up and running?

  2. Pre-Approvals within 24 hours. Final Approval for new accounts typically takes 48 hours from the time of submission.

    In order to avoid delays we encourage you to promptly follow any instructions issued to you on the 'Account Progress' and the 'Documents Required' pages of your account in a timeous fashion.

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  3. How complicated is it to accept payments with 00Pay?

  4. We have made it as easy as possible for you to get going, quickly. We provide you with a Payments Control Panel for account management, website configuration, integration and reporting. If necessary 00Pay will guide you every step of the way to help you get started and to maintain success with your online sales.

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  5. How much does it cost to sign up with 00Pay

  6. There are no sign-up or application fees.

    Generally there are no setup fees too. However, in some cases, for high risk merchants, integrating into our banking and/or processing partners will incur a setup cost. This will always be communicated to you up-front.

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  7. What are the 00Pay fees

  8. Processing a credit card payment via 00Pay will incur both a Payment Gateway fee and a Card Processing fee charged as a percentage of the sale amount. Added together these fees are known as the Merchant Discount Rate (MDR). The exact MDR rate offered to you depends on various factors. This amount will be clearly indicated to you prior to your acceptance of our services.

    In addition to the MDR rate are fees for each of the following: chargebacks, refunds, withdraw by bank transfer. Note that we do NOT charge a per transaction fee !

    Please review our fees page or contact us for further information.

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  9. When do I receive my payouts?

  10. Payouts are remitted electronically via wire transfer between 10 to 21 days in arrears, weekly. The specific payout schedule for each merchant depends on the account type and the merchant's profile.

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  11. What credit and debit cards does 00Pay accept?

  12. Visa, MasterCard, American Express, Discover, Solo and Switch. Certain account types are limited to Visa and MasterCard only.

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  13. Do you provide a copy of the API

  14. Yes, we provide full API (Application Prgramming Interface) documentation and integration instructions to approved merchants.

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  15. Does 00Pay accept international merchants?

  16. Yes, we accept merchants from almost all countries worldwide.

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  17. Do I need to incorporate and set up bank accounts in any particular region or country?

  18. No, International Merchants do not need to incorporate or set up bank accounts in any particular country. You would need a bank account in the name of the business or in the name of the merchant owner in order to receive your payouts via Wire Transfer.

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  19. Do you provide any check or any other kinds of payment processing options?

  20. Yes we do, to approved merchants. We offer US check clearance, ACH payments as well as DirectPay for customers in the European Union (EU).

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  21. Are there minimum and maximum transaction amounts?

  22. Yes. The exact amounts depend on your account type. Typically the minimum is US $ 3.00 and the maximum is US $ 1000.00

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  23. Does 00Pay provide payment procesing for both electronic and physical (tangible) delivery merchants?

  24. Yes we do.

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  25. Does the merchant's web site need to be hosted in any particular country?

  26. No. You may host your website in any country.

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  27. Do I have to place any secure forms on my website?

  28. That is a choice you have. Either we host the secure payment page or you can integrate our API into your page.

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  29. Can I check my sales statistics at any time?

  30. Of course. We provide access to a stats interface providing reports on credit card transaction processing.

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  31. Will I need to purchase and/or install any special software or hardware?

  32. No, you will not.

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  33. Are there volume caps?

  34. No there are not.

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  35. What currencies do you accept payments in?

  36. We process in the following currencies. Note that the exact set of currencies offered does depend on your account type.

    - Primary list: EUR, GBP, USD

    - Secondary list: AUD, BRL, CAD, CHF, CLP, CNY, CZK, DKK, HKD, ILS, INR, KRW, MYR, NOK, NZD, PKR, RUB, SEK, SGD, THB, TRY, TWD, YEN, ZAR

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  37. Do merchants need to provide a Tax ID number?

  38. No. This is not required.

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  39. What are holdback reserves?

  40. A percentage of merchant's total sales will be held back in Reserve to be applied towards any Chargebacks, fines, fees and Refunds incurred for merchant services. The amount held and holdback period can change as is deemed necessary as security against future Cardholder Chargebacks, fee, fines and Refunds or Indemnification obligations of Merchant.

    Typically our holdback reserve is set to 5% for 90 days.

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  41. What is a chargeback?

  42. You're most likely to already know what a chargeback is, but if you don't: A chargeback is a forced refund to a customer from the customer's credit card company. It occurs when a cardholder decides to formally dispute a charge on his/her credit card bill, if, for instance, someone has fraudulently used that credit card number. According to credit card associations rules, Internet merchants must accept credit card fraud as part of the normal risk of doing business on the Internet. The amount of credit card fraud can depend on your business nature. To reduce chargebacks, try to collect as much information as possible from your customer, and perform a phone order confirmation. If the order is found to be valid, then proceed with the order. A chargeback fee is a penalty fee that passes on to our merchant.

    Our chargeback fees are between US $ 28 to $ 40.

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  43. Does 00Pay notify me if there is a chargeback?

  44. Yes, we will e-mail you notification that a chargeback has been processed. We send this notification to the e-mail address setup under your account.

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  45. How does 00Pay protect merchants from fraudulent activities?

  46. Fraud protection comes as standard with all accounts. We constantly strive to reduce the number of customer disputes and chargebacks.

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  47. How reliable is 00Pay's hardware?

  48. We have multiple and redundant connectivity to the Internet backbone. Only high quality and reliable equipment is used for our secure transaction processing. Qualified technical personnel monitor all of our equipment 24 hours a day, 7 days a week. 00Pay strives for 100% uptime.

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Questions about the application process?

You are welcome to contact us should you need further clarity or if you have any additional questions not answered here.

Quick Pre-Approval for Accepting Credit Cards on Your Website(s)

Your Email:

Primary Website URL:

Expected Sales per Month:


Company Incorporated/Registered in:


Accepting Credit Card Payments: