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Rates as low as 5.00% |
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No Application Processing Fees |
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Transaction Management System |
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Quick Approval |
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If you are operating a start-up business or a high risk venture, iPayline’s managed account processing solution is right for you. By processing your credit card through a qualified third party, your volume and charge-back ratios are effectively managed through comprehensive account maintenance and transaction screening.
Rather than struggling through the expense and hassle of obtaining a high risk merchant account, iPayline’s clients frequently utilize our managed account solution for their merchant account needs.
Through iPayline’s unique managed account solutions you will obtain the following services:
- Turnkey fund capture and expedited settlement to your back account via wire transfer.
- Customer service facility for addressing customer concerns, product questions and charge-back/refund issues.
- Comprehensive processing gateway offering detailed transaction and accounting reporting to manage your account.
- Lowest setup fees, discount rates and approval turnaround in the industry.
- Comprehensive fraud scrubbing, screening, negative database lookup, IP crosscheck and blocked country management
to ensure charge-back compliance.
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iPayline offers comprehensive solutions for merchants seeking a direct merchant account. Generally, the requirements for direct merchant accounts are either that you operate a low risk, US based business or, for all other medium/high risk businesses with US or offshore business structures, we require that you provide us previous processing statements demonstrating compliance with reasonable charge-back thresholds.
The benefits of a direct merchant account include:
- Unique descriptors
- Lower discount rates
- More account controls
If your business does not qualify for a direct account, your ability to obtain one may only be a few months away. By processing under an iPayline managed account for a few months at significant volume and in compliance with our charge-back requirements, you may qualify for migration to a direct merchant account complemented by lower processing fees. |
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Online Check processing offers you the ability to accept payments over the phone or internet from customers. Many people don't have a credit card over 80 million to be exact and many that do have credit cards are at their maximum credit limit. Online Check processing allows you to expand on your customer base with additional payment options. Here are some of the benefits of Online Check processing:
- No more invoicing then waiting for payments
- Eliminate cash on deliveries
- No more waiting for the checks in the mail
- Increase market reach
- Expand your market
- Increase cash
- Convenience for your customers by offering added payment options
- And much more……………
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Check Clearing - Why Wait?!
Does your business receive payments by check? Are you tired of having to wait extensive hold periods to clear your checks? We can offer you our Check Clearing Solution. We can have your checks whether international or domestic cleared in as little as 2 business days. |
As a merchant, you will enjoy the safety and security of real time fraud prevention, which translates into less chargeback’s, lost inventory, and disputed transactions. By avoiding these pitfalls you are allowed to do what you need to do and that is concentrate on running a successful online business and accomplish what it is you set out to do. Now you will be able to spend more time increasing transactions rather than defending them.
Some of our Fraud prevention methods include:
- Fraud scrubbing engines
- Complex formulas and algorithms that calculate the likelihood of fraudulent transactions
- Negative database
- IP geo-location
- IP block and lock
- Credit Card number validity
- A staff of compliance/Risk specialist to analyze potential situations promptly &effectively
- Top notch customer service relations
And much more……………….
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We have found that one of the most important factors for merchants when choosing a processor is the capability and functionalities of the processing gateway. We have made and continue to make changes to meet the ever-changing demands of our merchants and the evolution of the internet as a global marketplace.
Here are some of our Gateway features:
- 24x7 online real-time reporting
- Virtual terminal
- Fast transaction validation
- Pre-authorization capability
- Supports recurring transactions
- Easy integration
- Real-time fraud protection
- Secure 128-Bit SSL Encryption
- Easy to navigate merchant interface
- Supports Multi Currency
- Multiple modes of integration
- Real-time auto generate purchase receipts and distribute to customer, merchant and processor
- Can provide voice authorization technology if needed
- Complete CRM
- Supports multi users with permissions set per user
- 24x7 merchant support
- And much more…
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| Restricted Transactions
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Prohibited Transactions |
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iPayline provides a list of products, services, websites and website content that are restricted. From time to time, iPayline may augment this list and will provide notification to its customers. The list is as follows:
- Aggregators
- Breast enhancement drugs
- Cash for “opinions”
- Check cashing services
- Debt consolidation / Debt negotiations
- Credit counseling or Credit repair services
- Drugs / Drug paraphernalia
- Growth hormones
- Homeopathic remedies / Drugs
- Illegal product sales
- Outbound telemarketing
- Gaming type businesses
- Venture capital
- Adult entertainment type businesses
- Free grants or grant giveaways
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The following is a list of prohibited transactions. A prohibited transaction is a transaction that is a direct compliance violation of the card association regulations. The list is as follows:
- Processing transactions to cover previously incurred debts (Visa allows if existing debt transactions are identified properly and account is not in collection) or bad debt such as bounced checks or payment for returned merchandise.
- Processing a sale on a previously charged back transaction
- Accepting transactions that are declined by the authorization by the authorization center
- Attempting multiple authorization request following a decline
- Using a split sale to avoid authorization
- Giving cash to the cardholder
- Delivering goods or performing services after notice of a cancellation by the cardholder of a pre-authorization order
- Billing card after notice of cancellation of recurring payment
- Submitting transactions to one or more processors/financial institution for payment before or after you input at iPayline terminal
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