FAQs
Yes, we have. It depends on your business, markets and it should be approved after KYB completed.
GPay supports following currencies:
If the currency isn't listed above, invoicing, collections, and settlements can be done using USD, EUR or GBP.
GPay supports local transactions over 37 countries in local currencies:
- United States
- United Kingdom
- 20 European Countries
- Australia
- Canada
- Croatia
- Czech Republic
- Hong Kong
- Indonesia
- Norway
- Philippines
- Poland
- Singapore
- South Africa
- South Korea
- Sweden
- Thailand
- Vietnam
We support these countries' domestic payments using universal currencies (ie: USD, EUR, GBP):
- Argentina
- Bahrain
- Bangladesh
- Bolivia
- Brazil
- Brunei
- Bulgaria
- Cambodia
- Chile
- Colombia
- Costa Rica
- Egypt
- Ghana
- Hungary
- Iceland
- Israel
- Japan
- Jordan
- Kenya
- Kuwait
- Laos
- Malaysia
- Mexico
- Morocco
- Nepal
- New Zealand
- Nigeria
- Oman
- Pakistan
- Paraguay
- Peru
- Qatar
- Romania
- Rwanda
- Saudi Arabia
- Serbia
- Sri Lanka
- Switzerland
- Taiwan
- Turkey
- Uganda
- Ukraine
- United Arab Emirates (UAE)
GPay supports 173 countries.
GPay supports up to 5 payment methods in a buyer's country:
- Bank redirect (QR codes, e-Wallets)
- Local bank transfers
- Credit/debit cards
- Wire transfers
- Mobile money
A weekly cycle should be applied, once or twice a week (excepting holidays, if any) depending on business types and monthly sales volumes.
T+1 business days, by EOD of the next day
It would typically take 1 more business day from the date of transaction (when you have received the funds) to be processed and transferred into your bank account.
You are encouraged to check with your bank to see if they have received the funds and are processing on their end. Otherwise, please provide your transaction number when contacting the support team.
You will receive your payments either via SWIFT or local payment.
This could be due to regulatory reasons (high-risk vertical) or technical reasons (server error, seller disabled payment method). You may contact us with your transaction number for more details.
Navigate to the dashboard, filter out the date range you want, check the "Completed" payment status, and export as CSV.
- Step 1: Login to the GPay Dashboard and go to Transactions. It should show you a full list of transactions.
- Step 2: Filter the transactions to the specific date range and other parameters that you may like.
- Step 3: Click on the download.
- Step 4: Click on "Reports" tab on the left panel. You will be directed to the Reports page. Find the report that you would like to download and click on the download button.
- Step 1: Login to the GPay Dashboard and click "Create Payment Link".
- Step 2: Select your seller and buyer details. If you haven't added a buyer yet, you can do so under "Add New Buyer".
- Step 3: Fill in the details.
- Step 4: Set the transaction currency and amount, add the description and any supporting documents for the transaction.
- Step 5: You can now share the payment link to your buyer and start accepting payments.
- Step 1: Login to GPay Dashboard and click on 'Configurations'.
- Step 2: Under the Defaults tab, click on the 'Edit' button.
- Step 3: From here, you can change your platform display name & upload a different logo to be used for checkout and payment links.
| Remarks | Description | Action Item |
| Payment failed | 3DS failed or the user abandoned the 3DS auth | Ask the user to contact the issuer bank to understand the 3DS failure reason |
| Authentication abandoned | ||
| Authentication failure | ||
| Suspected Fraud | The issuer declined the transaction due to risk reasons. Sometimes issuers also decline transactions for overseas merchants with this as a generic error code | Contact the issuer or retry with a different card |
| Fraud | ||
| Declined - Do Not Honour | ||
| Do not honour | ||
| Fraud/Security related reasons | ||
| Transaction Cannot be Completed | ||
| Fraud | ||
| Insufficient Funds | Insufficient funds in Cardholder Account / Transaction exceeded card limits | Insufficient funds in Cardholder Account / Transaction exceeded card limits |
| Insufficient funds/over the credit limit | ||
| Exceeds Withdrawal Value/Amount Limits | ||
| Exceeds withdrawal amount limit | ||
| Security | Insufficient funds in Cardholder Account / Transaction exceeded card limits | Ask the buyer to contact the issuer |
| Policy | The issuer has declined the transaction for undisclosed policy reasons. Retrying the transaction is unlikely to result in success | We recommend that the buyer contacts their issuing bank to discuss the declined transaction for policy reasons. Please advise them to reach out to their bank before attempting the transaction again. |
| Risk Blocked Transaction | Risk decline e.g due to velocity rules | Contact Tazapay if different rules need to be configured |
| Decline for CVV2 Failure | Incorrect CVV | Ask the buyer to retry with the correct CVV |
| invalid cvc | ||
| Blocked, first used-transaction from new cardholder | Card Blocked | Payment has been declined by the issuer, ask the buyer to contact the issuer |
| Transaction not Permitted to Cardholder | Card not allowed on this merchant/vertical | Contact the issuer or try with a different card |
| Invalid merchant | ||
| Expired card | Card Expired | Ask the buyer to use a valid card or enter the correct expiry date |
| Invalid Transaction | Technical error | Raise this with the Tazapay tech team |
| Closed Account | Card holder account is closed/blocked/invalid | Ask the buyer to contact the issuer |
| Restricted Card | Card not allowed for the merchant /vertical/ country | Ask the buyer to use a different card |
| Previously declined do not retry | Card has been declined due to excessive re-tries | Ask the buyer to use a different card |
You can always choose to expire your API and Secret keys and generate a new set to replace them at any time.
- Step 1: Log into your GPay Dashboard and navigate to "API Keys" on the left menu.
- Step 2: On the same row as "API_Secret", click "Expire Keys".
- Step 3: Confirm your choice and have a new set of keys generated on the spot.
As a payment services provider, we strive to protect both buyers and sellers. In order to ensure we are building a safe ecosystem and meet regulatory standards, we need to conduct a Know Your Business (KYB) check on the seller.
GPay runs the KYB process in accordance with the global Anti Money Laundering (AML) and Combating the Financing of Terrorism (CFT) efforts. It has, thus, become GPay’s responsibility to fully understand the Ultimate Beneficial Ownership (UBO) of the companies that utilize our services.
Please note that successful completion of KYB is a requirement before you can use our API products and for funds to be released.
GPay has developed a robust Customer Verification Process that will be used to independently verify client information.
For KYB, GPay will request for:
- Business registration and incorporation documents. (Certificate of Incorporation, tax registration document).
- Document displaying the share ownership and list of director(s) and officer(s).
- Proof of address of the entity dated within the last 6 months (bank and government letter, utility and telecom bill, tenancy agreement, etc).
- Ultimate beneficial owner (UBO) information and ID (Individuals who ultimately hold 25% or more shares or control in the entity are UBOs. ID proof accepted are Passport or National ID).
- Authorised user information and ID.
- Website of the business entity.
If the company is a sole proprietorship, the documents needed would be:
- Owner's name and government-issued photo ID.
- Proof of company address.
It is advisable to upload the required documents at the time of onboarding to expedite transaction processing.
KYB process will typically be completed within 3-5 business days, provided that all required documents are submitted correctly and in full.
In some cases, additional documents might be required, and you will be informed promptly if such a situation arises. Providing any additional required documents promptly can help avoid delays in the verification process.
Preferably English.
GPay accepts documents that are preferably in English, translated by a government-licensed translator or certified by a notary public.
All documents shouldn't be expired.
For proof of address, the document shouldn't be later than 6 months.
Ownership documents should be less than 1 year.
Yes, regular Setup fee is USD 200.
Refer to Pricings menu on website.
Yes. For card transactions, the refund fee is 2 USD per transaction, and for APMs (Alternative Payment Methods), the refund fee is 1 USD per transaction.
Local Currency Settlements:
- For amounts less than USD 1,000, there is a fee of USD 5 per settlement.
- If the settlement amount is above USD 1,000, the settlement is free.
Wire Transfers (USD/Foreign Currency) Settlements:
- For amounts less than USD 100,000, the fee is USD 35 per settlement.
- And for amounts above USD 100,000, the settlement is completely free of charge.
GPay will convert the currency at a competitive rate.
As a buyer, if your local currency is different from the invoice/billing currency, GPay will convert money from your local currency to the invoice currency. As a seller, if the invoice currency is different from your payout currency, GPay will convert from invoice currency into your payout currency.
Local Currency Settlements:
- For amounts less than 1,000 USD, there is a fee of 5 USD per settlement.
- For amounts above 1,000 USD, the settlement is free.
Wire Transfer (USD/Foreign Currency) Settlements:
- For amounts less than 100,000 USD, there is a fee of 35 USD per settlement.
- For amounts above 100,000 USD, the settlement is free.
Yes, GPay will exercise legal options if during the course of our investigation, we are able to extract enough evidence of fraudulent activities by the seller.
Send your inquiry in our contact us form or [email protected] with your transaction number, amount, bank account, and information regarding the transaction.
Chargebacks arise from card transactions. Buyer can file chargeback for several reasons:
- Unauthorized transaction - where payment was not initiated by the buyer e.g. fraud. All card transactions on GPay are protected by 3DS which prevents unauthorized usage of cards.
- Item not received - where buyer did not receive the goods or service at all.
- Significantly not as described - where the goods or service delivered by the seller does not meet the requirements agreed between the parties.
The seller is legally liable for all chargebacks. GPay shall first inform the seller when a chargeback is received and put a hold on any payment that is payable to the seller.
GPay shall provide the seller the option to accept or contest the chargeback. If the seller decided to accept the chargeback, then GPay shall deduct the chargeback from the amounts payable to the seller. If the seller decides to contest the chargeback, then GPay shall require supporting documents from the seller to contest the chargeback.
The seller must provide supporting documents within 10 days for the following scenarios:
- Item not received - proof of delivery
- Significantly not as described - supporting documents, photographic evidence of the item, and any additional evidence as needed
If the chargeback decision is in favor of the seller, then GPay shall remove the hold on the payments and release the funds to the seller. If the chargeback decision is against the seller, then GPay shall deduct the chargeback amount from the amount held and then release the net amount to the seller.
If you have any questions regarding any chargeback disputes you're facing, please reach out to [email protected].
GPay either deducts from the sellers' pending balance or the seller can send the same amount back to GPay to return to buyer.
As the seller, if the payment is made via card and you have no pending balance with us, you can send the same amount to GPay and we can refund it back to the customer’s card.
On the other hand, if you have any pending balance with us from other payment methods, we will use that to refund the payment back to the customer’s account.
Please allow 5-10 business days for the refund to be processed and reflect on your original payment method.
It’s 15 USD per chargeback case.
What is CDRN?
Cardholder Dispute Resolution Network (CDRN): This program enables merchants to manage and resolve higher-value transaction disputes directly with buyers, aiming to streamline the process and enhance efficiency.
What is the process under CDRN?
Dispute Alerts:
- Alerts of disputes are sent to enrolled merchants.
48-Hour Resolution Window:
- Merchants have 48 hours to resolve the dispute with the buyer.
Automatic Refund and Charges:
- If unresolved, GPay automatically refunds the buyer after 48 hours.
- A fee of $15 is charged for each alert, but resolving disputes through CDRN can prevent chargebacks.
Standard Chargeback Fee:
- In cases of chargebacks, a separate $15 fee is charged per incident, and merchants also lose the full amount of the chargeback.
Coverage Limitations of CDRN
- Involvement of U.S. Banks: The effectiveness of CDRN is enhanced with the participation of U.S. banks. While the program is designed around these banks, it's important to note that the coverage is not universally 100%, as it depends on specific bank involvement in each transaction.
Benefits of CDRN
- For Merchants: CDRN provides merchants with the opportunity to directly resolve disputes, potentially avoiding chargebacks, their associated costs, fines, and the risk of losing the privilege to use the Tazapay payment system.
- For Customers: Ensures a fair and timely dispute resolution process.