Payment24.com is an online payment solutions provider and eCommerce products provider Payment24 supports back-office functions including financial reporting, tracking, fraud prevention, customer service and sales tracking.

Payment24 enables the vendors to sell their products and services online with no worry about Credit Card processing security and privacy. Payment24 helps vendors to increase their market share and promote name recognition as well as enabling consumers to shop online in a secured environment's

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If your site is under construction, you can still set up your account with Payment24.

A number of our new vendors prefer to include Payment24 in their site design before being ready to start sales.

However, your account will not be active until Payment24 verifies your domain and products.

Please be aware that our Risk Analysis Department may contact you about any changes made to domains and products information. This is for your own protection and to ensure that the changes do not include any violations in respect to our policies.

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Any one can apply for Payment24 as long as he/she accepts our user agreements, meets our requirements and commits to our policies.

You must uphold a web site(s) that contains complete product information, valid customer service information, detailed refund and return policy, and a globally accepted privacy policy.

Your product or service must meet our product/service policy requirements. vendors must verify that their products or services are not included in Payment24 Not-Allowed-products list.

Sites found to be selling forbidden products or services are subject to immediate account suspension, frozen funds, penalty or fines on funds, and/or order cancellations, all without further notice.

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Non-internet sales are currently not supported by Payment24's user agreement and general policies. Although you can send email invoices to your customer with a link to Payment24 email payment system and your customer can click on the link and enter his credit card details and pay for against that particular invoice.

Payment24 does hope to be able in the near future to support Non-Internet Orders in addition to our services.

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No, Payment24 does not support membership-based or subscription-based products or services.

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  No, you do not have to use a shopping cart to integrate with Payment24.

You can use Payment24 eCommerce Shopping Basket that can also be easily incorporated into your site or run from payment24 website under your sub domain name.

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  Yes, you can use a shopping cart and integrate it with Payment24's services.

Payment24 supports the integration of your shopping cart into our system, without the need for any third party provider. We provide you an HTML code once you are register are ready to go . The code is designed for easy implementation. However, if you encounter any problem in the process, Payment24 support team will be more than happy to help you.

Our service can be integrated with almost all shopping carts.

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To setup a vendor account with Payment24, all you have to do is to register with Payment24 with a valid profile information and valid Bank Account information to receive your money through it. You do not need any additional bank account but the one you already have. Payment24 will use its own bank for your orders, and then do a electronic transfer your money to your bank.

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To close your account with Payment24, you can simply send an account closure request to our Customer Support department at support@Payment24.co.za and our support team will process your account closure.

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You can access your Account information from the Vendor Transaction Manager (VTM) by logging in to your account using your username and password.

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You can either send an E-Mail to our Customer Support Team at support@Payment24.co.za or you can use the Forgot Your Password option and follow the instructions on the website.

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You will receive your money through electronic bank transfer.

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Each accounting period is approximately 15 days in length.

Money Transfers are scheduled each week in Payment24.com, on day 1and 15 of each month. For new vendors, we require a startup history of 4 weeks, after which, 2 weeks payment schedules are enabled.

This arrangement is to protect both vendors and buyers from possible fraud and charge backs.

Payment24 charges its vendors R25.00/R1000 fees per urgent payout. Payment24 payout every 2nd week free of charge on our standard Credit Card Verification package. Further fees might be deducted by the receiver bank. For further information, please contact your bank's representative.

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Please read over our Account conditions:

Account Activation:
Payment24 strives to instantly activate vendor accounts. However, after you implant our order code into your web site, an account manager will be revising your site and products, and will be contacting you if needed.

In case there is need for further verification, a verification E-Mail will be sent requesting from new vendors to verify their domains and products information. Please reply to this E-Mail, it’s very important to proceed to Account Activation.

While your account is active, you can use All Payment24 services, except Money Transfer, that will be enabled after you complete a 6 weeks good history regarding charge backs and refunds.

Account suspension:
Your account maybe suspended due to one or more reasons listed below:

Invalid E-Mail or Account information is detected while verifying your information after the registration process or after your Profile updating.
vendor is found to sell restricted or banned products or services listed in our Not-Allowed Products list.
vendor has violated any of Payment24 policies or agreements.
vendor is found to have high rate of charge backs or refunds.
vendor requested his account cancellation.

When the vendor's account is suspended, it will be accessed for read only and all his account functions will be disabled.

An Account will be permanently closed 6 months after its suspension.

If a vendor does not respond to E-Mail notifications sent by Payment24 Operations department regarding suspensions reasons, his account will be suspended.

During the suspension period, the vendor’s balance will not be transferred until the account is closed or reactivated.

Account Closure:

               The Account can be closed if the owner requested his/her account closure.

                The Account will be closed after 6 months of suspension.

After the closure, our accounting department will calculate the vendor’s balance and risk factor. If his/her balance exceeds the money transfer fees (R20.00), it will be transferred directly to his/her bank account, if not, the transfer will be discarded.

Important Note: Once a vendors requests account closure, Payment24 considers the current balance to be the only available security for future charge backs or disputes. A release time of 120 days or more is applied on certain risk levels. 1% charge back ratio will normally cause reserve holding for 120 days. (this is the period credit card companies are giving to their card holders to dispute a charge).

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Payment24 is proudly offering the following low rates for Credit Card Verification:

R0.00 per order
6.9% of the order amount

R299 sign up fee, R129.00 monthly fees, No applications to buy or setup.

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No, Currently Payment24 supports Credit Card Payments only.

We are working very hard to add to our services all forms of online payment methods and solutions; this is expected to be in the near future.

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No, Payment24 does not have reserve policy.

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Payment24 currently accepts:

VISA
MasterCard

Diners

And All derivatives of these brands.

We are working hard to develop our system to also accept all other major credit and electronic cards soon, as well as electronic Check Drafts and Direct electronic funds transfer service.

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We support all the major currencies. Our exchange rate system is updated every 24 hours.

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Payment24 does not provide merchant Accounts.

Payment24 acts as a reseller of your products/services, enabling vendors to sell their products and services online with no worry about Credit Card processing security and privacy.

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No, you do not need an SSL server in order to integrate your site with Payment24.

Please note that the payment pages can not be located on the vendor’s own servers. You can not send any info or fill the payment pages yourself because part of our order identification system, fraud detection service and order tracking depends on having the customer input their payments info on our SSL secure order page.

The payment page must be located on Payment24 secured SSL pages because it contains critical information for buyers, and Payment24 must guarantee its complete security.

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A customer visits a website, selects a product, then advances to the checkout portion of the process.

At this point, customers access an SSL-encrypted order page on Payment24 servers, which guarantees the security of their personal and payment information.

Once the customer enters and submits the information, Payment24's processes immediately query the customer's bank. The process verifies if the information submitted is correct, and if the funds required for the sale are available.

The order status may be one of the following:

Order Authorized:
The information filled by the buyer is preliminary valid information.

Payment24 starts processing the order after 24 hours from the date of order authorization.

This period of time is to the advantage of vendors, to allow probable cancellations and to avoid Refunds after Orders processing. In case of refunds, vendors lose the discount percentage and fees taken by Payment24.com.

After this period of time, the order is further verified prior to capture.

After the authorization of the card issuer, Payment24 can capture the Order which means to process the payment and debit the money from the buyer account to vendor account on Payment24.

Failed Transaction:
This case determines that an Error occurred in the connection between the buyer and Payment24 while placing the order.

In this case, the order has Failed

Failed Authorized:
This happens if the Credit Card information is inaccurate or refused by the Credit Card Issuer Bank, or the Credit Card has expired, or sufficient funds were not available in the buyer’s account.
In this case, the order has Failed

Pending Authorized:

This means that the Operation was aborted (the order verification process is pending from the part of the Credit Card issuer), or there is a possible fraud attempt which means that the buyer could not bypass the extra password verification (3D secure/Verified by Visa).

In this case Payment24 tries to process the order again; the order – after retrying the verification process - ends either Authorized or Cancelled.

In All Cases Checking Orders for Fraud Risks Takes 48 Hours.

After the Verification Processes is completed, the Order will end in one of three statuses:

Order Captured:
Payment is processed and money was debited from the buyer’s account to the vendor’s account on Payment24.

Order Cancelled:
The order is not processed, no charges are made.

Order Needs more Verification:
Payment24 proceeds to contact the vendor and/or the Buyer requesting more information about this order to be verified.

vendors who will be found making high rates of charge backs or refunds will have their account with Payment24 suspended.

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You can use our Payment24 Vendor Transaction Manager(VTM) after login with your username and password to track the orders statuses and to check on your payments balance.

Payment24 sends returned Parameters to a return page of your choice after each order placed, you can also use those parameters to track your orders and integrate those parameters in your system.

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No, currently we only offer our services to South African clients.

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For each of your domains, Payment24 will provide you with HTML code that is used to send us an amount order. This code will enable you to sell many products to the same buyer at one click.

The Shopping cart integration code is situated in your domain details page.

The integration process is fully explained in the “Activation/Integration Email”.
 

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To integrate your single products with Payment24, we will provide you with the Code needed for integration. It is an easy to use HTML code, provided once you register your products.

Please remember you must have some html skills to integrate.

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You get all the activation information and 1 hour of free email support to help you integrate our system into your website. We offer both PHP and ASP integration help. .

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No, as we have to setup your account once you order a package.

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Payment24 does not support this.

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You can test the integration with Payment24 by setting your domain into Test mode which we set when we setup your account. You must advice us to make it LIVE once you have completed testing.
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Test mode is a feature added by Payment24 to help you during the testing phase.
Enabling the “test mode” for one of your domains means that all transactions for it are for testing only. No real transactions will occur on the buyer’s credit card. You can only have one domain setup under one account with us.

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Refunds happen when:
The Buyer complains that the goods were not delivered.
The Buyer complains that the goods were not as described in the vendor’s website.
The Buyer complains that he/she didn’t place this order.
The Buyer complains that his/her credit card was stolen or lost or complains for any other reason.

Only Payment24 or vendors can refund orders after they were captured.

When a Refund is requested, Payment24 contacts the vendor for details and evidences, if not properly provided, Payment24 will refund the order.

In Case of Charge Backs:

The vendor refunds the Buyer’s money and he pays R185.00 as charge back fees to Payment24.

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With the increased rates of Internet frauds, online thefts and credit card fraud, vendors must be aware what FRAUD is.

Unfortunately, the credit card industry has not been as quick to provide eCommerce vendors with feasible resources of identifying fraudulent use.

Payment24 combines a number of external and internal resources to identify potentially fraudulent orders. These, in combination with your own diligence and familiarity with the customer-base serviced, will go a long way toward reducing the number of fraudulent (and subsequently cancelled) orders experienced with your product or service.

Downloadable goods experience higher rates of fraudulent activity due to the almost instant access to the product purchased. Additionally, some downloadable products (such as software) experience even higher levels of fraud than others.

Tangible products should not be shipped prior to 48 hours unless you are very certain the sale is legitimate.

Be familiar with charge back procedures.

Post your privacy and refund/return policies clearly.

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No. You can not enter orders for customers. Part of our order identification system, fraud detection service and order tracking depends on having the customer input their orders on our SSL secure order page.

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Your products/services must be legal for sale in EU, provinces, and countries where you accept customers.

The following products and services CANNOT be sold:

Pornography & Adult Content, subscription services, chat, or any pornography. nudity, web cams or links to pornographic sites.
Firearms, Ammunition, High Capacity Magazines, Air Guns
Fireworks or Pyrotechnic Devices or Supplies
Alcoholic Beverages
Unapproved Drugs
Hazardous Materials, Combustibles, Corrosives
Gambling Transactions or Sports Gambling Prognostication
Pre-Adult Content - Pictures, Videos, etc. of Individuals under the Age of 18 Years
Sites That Promote Hatred, Racism or Religious Persecution

Any product or service enabling consumers to circumvent locks, programming codes or security features, or to gain access to features or services for which they have not expressly paid.

The following are RESTRICTED PRODUCTS:

These products are subject to further investigation. Payment24 reserves the right to accept or reject vendors providing the below services as it sees best.

Adult Lingerie, Adult Toys, Novelties etc.
DVDs
Penis or Breast Enlargement Products

Drug Paraphernalia

Any site with a Lottery, Raffle, or Contest 

Contact risk@Payment24.com for further information PRIOR to offering these products for sale. There are different terms and conditions regarding the sale of these products. You will be required to provide extra business and personal information to sell any product considered "Restricted" by Payment24.

Sites found to be selling banned products or services are subject to immediate account termination, frozen funds, forfeiture of funds, fines, and/or order cancellations, all without notice.

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Contact Customer Service

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