FAQs

Test cards can only be used in a test environment before starting the activation process (Go Live). Log into your PayTabs Merchant Account and check the status of your account on the top right corner of your dashboard. If your status is TEST, only then can you use test credit cards to make a successful transaction.

If you are a Test Merchant, you will be able to change your store name before the Go-Live Activation Process. But if you are already an active merchant, you will need to contact [email protected] and request to change your Store Name.

PayTabs Merchant Accounts are restricted for multiple entities. You will have to treat each application and/or online store as a separate entity. Each PayTabs Merchant Account should correspond to only one application and/or online store. In this way you will get separate statements for each PayTabs Merchant Account. In this particular case, you will need three PayTabs Merchant Accounts.

Here are the scenarios where your application might take longer than usual:

1. The documents submitted are not valid.
2. PayTabs may require you to furnish more information on your business nature, website, documents etc.
3. Applications may be going through a special approval process for different lines of businesses.

However, our sales representatives will be updating you regularly on the status of your application.

If you have any concerns, please contact [email protected]

To view all the reason codes related to transactions, login to your merchant dashboard, go to “Help” >> “Reason Codes”.

You can refer to your merchant dashboard and click the “View” button against the specific transaction and view the reason for rejection/decline. Additionally, you may contact [email protected] for more information.

PayTabs has a fraud monitoring tool that flags suspicious transactions when risky factors and elements have been triggered by the system. It consists of internal risk parameters set based on the merchant’s line of business.

Suspicious transactions are temporarily shown as rejected and PayTabs may either request merchant for further verification or decide to permanently reject the transaction – when found highly suspicious upon review.

All refunds will be processed during PayTabs working days, and within 48 hours from the time of the refund request.

Fund withdrawing is automated, your funds will be released each Monday that follows your holding period with a minimum of $300.

The released funds would be credited to your bank account within the next 24 hours from the approval notification.

If in the rare event that you did not receive the funds within the stipulated period, please check with your bank for any issues. You should also notify PayTabs merchant relations immediately if any such issue arises.

Please visit Real-Time Onboarding Page for the documentation requirement

A clear and descriptive website, in local and English Language, will enable the Risk Assessment Team to better understand the merchant’s business and its process. This eventually helps to reduce delays in the application process.
A good website usually has the following characteristics:

a) Products & Clear description of the products.
b) Clear Pricing of products.
c) Terms and Conditions of Service.
d) Refund& Exchange policy.
e) Shipment and delivery period details.
f) Customer service contacts details. (Email and / or call center) and corporate address.
g) The email should be under company domain and not a free email.
h) SSL secured for global websites.
i) PayTabs logo, with the logos of Visa / MasterCard and Amex if applicable.

Registration is required to use PayTabs service. We require accurate information in order to process your registration smoothly. Merchant information must kept up to date at all times to avoid inconvenience and delays especially in processing of funds. PayTabs has the rights to suspend, terminate or will not approve the application to Merchants who provide inaccurate, untrue or misrepresented data or those who fail to comply with the requirements needed.

Also, as per the mandate by Banks as well as Payment associations like MasterCard, Visa, Amex etc., we (PayTabs) need to do appropriate due diligence before approving your application.

The reason you must apply and be approved in order to get a merchant account is because there is the risk of losing money every time a credit or reversal is processed on a credit card transaction on behalf of your business. Visa and MasterCard have a very clear policy that is enforced when a cardholder pays for goods / services, which is:

The cardholder is entitled to receive the promised good or service. If such good or service is not delivered then the cardholder is entitled to getting their money back. This is one of the basic consumer protection principles that apply to credit card transactions. In order to mitigate this risk the credit card processor should have a robust screening / application process.

Payment Gateway is a service that automates the payment transactions between the customer and merchant. It is usually a 3rd party service that is actually a system of computer processes that process, verify, and accept or decline credit card transactions on behalf of the merchant through secure internet connections. The payment gateway is the infrastructure that allows a merchant to accept credit card and other forms of electronic payment.
When processing a credit card transaction, information needs to be sent to the cardholder’s bank to check if the card is valid and has sufficient funds to pay for the sale. In a traditional brick and mortar transaction it’s actually the POS (point of sale) machine which takes the cardholder data, formats it and sends it to Visa or MasterCard to see if the customer has sufficient funds.
In an ecommerce transaction the service takes place online via a payment gateway. The payment gateway receives transaction requests that are sent online and then connects to Visa or MasterCard, and ultimately to the cardholder’s bank to see if they have sufficient funds and it is a valid card etc.
PayTabs is a payment orchestration platform for merchants, super merchants and government entities to grow their business.

The integration process of PayTabs’ Payment Gateway can take anywhere between 24 to 48 hours.

You will need a fully functional online store where you can easily plug-in our script (complete instructions will be provided). Once your application is approved, you will be provided with a PayTabs Merchant login ID and your bank account with our affiliated banks in your designated country of application.

No additional software is required on your behalf. Your online store is already programmed in one of the popular programming languages (PHP, .Net, Java…), so you simply plug-in few snippets of the code we give you and you’re done. Once set up, you will be able to safely login at our gateway to manage your transactions, merchant accounts and to print statements.

The three payout options available are:

1. weekly payout – runs automatically every Monday. Get paid within 24 up to 48 hrs, post payout initiation.
2. monthly auto-payout – runs automatically monthly; The merchant defines the withdrawal date and minimum withdrawal amount.
3. merchant initiated payout – This is a default withdrawal setting. You/the merchant initiate the withdrawal request via the dashboard, simply click the button at the frequency of your choice. You may also define the withdrawal threshold, simply write to [email protected]; and mention the preferred withdrawal threshold.

Wire Transfer Fee is the amount paid by the Merchant for Inter-bank transfer of the Sales proceeds from PayTabs bank account to the Merchant’s Bank account.
Wire transfer fees are standard bank fees and PayTabs has NO control on it. Wire transfer fees differ from bank to bank.

• Hate/Violence/Racism/Religious persecution
• Dangerous or hazardous goods

Illegal goods or services

Replica

• Any form of Copyright infringement, for both physical good content

File Hosting / Sharing and Cyberlockers 

Gambling

• Uncoded / Miscoded Gambling
• Lottery tickets, Skill game operators

Debt and loan related Businesses, High yield financial investments

• Get rich quick schemes, other high yield financial investments

Other declined Lines of Business

• Aggressive recurring business models (e.g. negative option)
• Internet pharmacies (including referral sites
• Weapons / Firearms
• Drugs / Illicit substances
• Non-Established Penny and reverse Auctions