Debit and credit card processing made easy
Refunds, deferrals/’pre-auths’, scheduled payments and repeat payments without storing sensitive data – your business model is dependent on the ability to process these transactions.
Customer expectations are higher than ever before; besides a fast and easy payments process, they expect to be able to pay in their own currency, safe in the knowledge that they can be refunded for whatever reason or that their monthly subscriptions can be automatically debited safely.
Regardless of the needs of your business, our credit and debit card processing features ensure that you’re able to seamlessly process a wide range of transactions.
Refunds | Deferrals | Repeat Payments | Scheduled Payments
:: Refunds
When a refund is required, it pays for all parties to do it with ease, speed and professionalism. A bad refund experience is usually a customer lost, so you don’t want customers thinking twice about doing business with you again.
Key features:
- Ability to make full, partial or incremental refunds
- Ability to refund more than the original transaction amount
- Ability to make multiple refunds up to a total value of the original transaction
- Minimise the risk of chargebacks in the event of a dispute about the original transaction with the ability to refund or credit winnings to a customer’s original card
- Initiate refunds manually via our Merchant Extranet (which acts as a back office) or automatically via an API
- All transactions are searchable on the Merchant Extranet
- Ability to perform a refund in real-time while viewing a transaction on the Extranet simply by selecting the relevant option and entering the amount to credit
- Request refunds via our API and integrate its functionality with your own customer administration systems
:: Deferrals
Deferred payments, also known as ‘pre-authorisations’, are ideal for businesses requiring a delay in a transaction for their own operational reasons, such as the preparation of despatch of goods, or to allow a review of a customer’s details. The ability to process deferred payments can help you to develop new, innovative and more efficient billing models.
Key features:
- Manage transactions in line with your business-specific needs, such as the in-house screening of new clients
- Complete deferrals either via a separate future request or according to automated requirements
- Save money by replacing refunds with the option to simply not complete a deferred payment
- Available via hosted payment requests, the Virtual Terminal and the API (Application Programming Interface)
- Delayed completion of a transaction is also possible via the Merchant Extranet
:: Repeat Payments
Re-bill your cardholders without the need for you to store sensitive card details; you don’t get tied up in security compliance red tape making it easier to establish profitable customer relationships.
Using encrypted ‘tokens’ issued against customers’ previous transactions, our API (Application Programming Interface) and our online management software makes it simple for you to take follow-up payments from existing cardholders resulting in one-click shopping at its best.
Key features:
- Generates increased spend by repeat billing existing customer cards held securely by PayPoint.net, all without full payment details being required again
- Payment requests can be initiated by your software/systems via the API or by your staff on the PayPoint.net Merchant Extranet
- PayPoint.net handles the customer/card data and the ensuing security issues – your system just provides the relevant ‘token’
:: Scheduled Payments
Our system takes the administrative burden off your shoulders and allows you to manage regular re-billing; only a single request from you is required to place the cardholder into an automated subscription.
We then handle all aspects of your scheduled payments over an agreed period of time at set intervals. We can provide support for complex billing models on selected accounts and full online cardholder administration.
Key features:
- A request for automated subscription can be part of a first payment request to a hosted payment solution or API simultaneously authorising payment and placing the cardholder on a billing schedule
- Email receipts are sent to the cardholder on each payment date
- The cardholder can be given access to full online management of their subscription
- Irregular subscription models, introductory periods (free and otherwise) and multi-stage schedules are also available with certain accounts
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