Where can I find the documentation?
Documentation for all of the Pay-Me-Now Software products is available at support
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. If you need help obtaining a merchant account, contact customer service.
Does your service automatically come with a Merchant Account?
No. A merchant Account is set up separately through a Merchant Bank. Pay-Me-Now Software has partnered with Merchant Banks that can provide internet capable Merchant Accounts. Contact Pay-Me-Now Software customer service for assistance in applying for a Merchant Account through a Pay-Me-Now Software 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 Software 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?
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 Software 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 Software?
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 Software payment gateway provides a "bridge" between the merchant's website (using a secure Internet connection from the merchant's website to Pay-Me-Now Software) and the processor (using leased lines from Pay-Me-Now Software to the processor).
Why do I need Pay-Me-Now Software if I have a merchant account?
Pay-Me-Now Software allows you to use your merchant account and process live, secure credit card transactions over the Internet. Pay-Me-Now Software 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 Software.
Yes, if the bank your merchant account supports Internet transactions and uses an authorizing network that Pay-Me-Now Software 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 Software 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 Software.
Is Pay-Me-Now Software a Bank?
No. Pay-Me-Now Software is a transaction processing company. Through the Pay-Me-Now Software, 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 Software has on file and is probably the same account you use to deposit your credit card funds.
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 Software?
Your fee invoices are available online 24 hours a day, 7 days a week. Simply login to Pay-Me-Now 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 6-8 banking days. On the eighth banking day you should see a settlement notification in the Pay-Me-Now menu titled Online Check Settlements.
How will I know when the setup of my account is complete?
Once your account has been completed, you will receive login instructions via email.
How do I log into the Pay-Me-Now Software?
Existing customers can click here to login
Fill in the following fields: Acct Id, User Id, and Password.
This information is sent via email during the setup process.
How long does it take to integrate the Pay-Me-Now Software into my website?
If you have a merchant account that is Internet ready, your Pay-Me-Now Software account can be activated within a few minutes and you can immediately start processing transactions with our virtual terminal.
The actual time required to begin processing transactions from your web site depends on the integration method you select (usually 1-2 hours) and the technical expertise of your staff. See documentation for details.
What are Pay-Me-Now Software Online Checks?
Pay-Me-Now Software Online Checks provide your customers with the convenience of making online purchases by debiting their personal or business checking account. A customer simply fills in a form with his/her bank account and transit routing number printed at the bottom of his or her 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.
Which credit cards will I be able to accept?
Pay-Me-Now Software 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 Pay-Me-Now, 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 Pay-Me-Now, open the Acct Edit/Delete menu, and select the payment option Discover.
Can I verify credit cards by telephone?
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 Pay-Me-Now Virtual Terminal.
What is the Recurring system?
The Recurring System in the Pay-Me-Now Software 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 Pay-Me-Now Virtual Terminal, or one of the other integration methods. Refer to the Online Documentation for information on how to submit recurring transactions.
What is the Membership system?
The Membership System in the Pay-Me-Now Software enables you to establish and manage a membership site to manage password-protected web sites and recurring billing. The Membership system requires no additional third-party software if your server runs on a UNIX-based platform. Pay-Me-Now Software Technical Support remotely installs and tests the software scripts on your Merchant e-Commerce server. During setup, Technical Support configures the user interface, checks paths, sets up templates and sends links to you for Sign Up pages. The membership system allows you to easily create unlimited subscription profiles for the different price and duration combinations you intend to offer, including free credit card signups. You can configure how many times to retry declined recurring transactions, download your member database to your PC and even generate retention reports. If your Web site is hosted on a Windows NT/2000 server running IIS Web Server, you will need additional third party software to interface with the Pay-Me-Now Software Membership System. For details, contact Customer Service.
What do I need to do to cancel my account?
In order to cancel your account, Pay-Me-Now Software 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 Software 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 Software. The merchant is informed of the return the same day Pay-Me-Now Software receives it. If the bank has trouble identifying the return, it may be a couple of weeks before Pay-Me-Now Software receives it and informs the merchant.
How secure is my transaction information?
The Pay-Me-Now 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 Pay-Me-Now Software uses RSA or Triple DES for secured network transactions. For more detailed information refer to the Pay-Me-Now Software Integration Guide documentation.
Which Credit Card Processors is Pay-Me-Now Software compatible with?
Pay-Me-Now Software processes through the following credit card authorizing networks:
- Digital Courier
- Mapp (GlobalPayments Central)
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
*EFT Secure M_Key: 12 digits
*EFT Secure M_ID: 12 digits
*Merchant ID: 16 digits
*Terminal ID or V Number: 8 digits
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
VID: 6 digits
Password: 8 digits
Client #: 4 digits
Mid: 12 digits
Tid: 3 digits
Merchant account provider (bank name) and phone number.
*BIN: 6 digits
*Merchant ID: 16 digits
*Terminal ID: 16 digits
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.
*Merchant ID: 16 digits
*Terminal ID: 16 digits
How do I process a voice authorization?
Login to the Pay-Me-Now and scroll down to the Virtual Terminal in the left-hand frame. Select the Process Pay-Me-Now Software screen. Enter the transaction information and select the Voice Auth Capture radio button. Enter the authorization code and submit the transaction.
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:
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
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 Pay-Me-Now.
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 Pay-Me-Now Software. 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 Pay-Me-Now Software payment gateway engine are processed in real time, and take approximately 1-3 seconds to return a response.