Support

How to identify potential fraud?

As you possess sufficient information about your customer including behavioural trends, this can help you identify potential fraud. There are many signals of a fraudulent activity.

Why do you need my Passport and Registration Certificate?

As a financial institution, which is also responsible to other financial institutions, it is our responsibility to verify the legitimacy of your business and your

What happens if there is not enough money in a customer’s bank account?

The merchant will see the response code Declined which means that the transaction was not completed. The merchant’s system can send the request again and try to

What is the usual frequency of recurring payments?

The recurring billing period can vary depending on your business model and customer. Recurring payments can be scheduled weekly, monthly or yearly and can be

Can I refund a chargeback?

No, you cannot refund a chargeback to your customer once it has been filed because they will receive the amount of the disputed charge from

Why was my customer's transaction declined?

A customer’s bank normally has fraud prevention systems in place that can decline a transaction if the provided card information is incorrect or invalid. The

How do I become a Nomupay partner?

To become a Nomupay partner, you'll need to fill in our partner application form and our partnership team will be in touch. Alternatively, you can contact

What should I do if I identify potential fraud?

First of all, request a copy of the ID and credit card from your customer in order to verify that the name on the card

What is SSL and why should I use it on my website?

SSL (Secure Sockets Layer) is a standard security technology for establishing an encrypted link between a web server and a client (a web browser). SSL

Can a refund be cancelled?

Response codes

In most cases, transactions are processed successfully, but it might happen that a transaction cannot be authorised, and the customer’s card is declined by the

What products and services are supported?

Nomupay supports various physical goods, electronic goods and services including IVA and high-risk businesses, and global enterprises. We don't provide credit/debit card processing services to

Why is the transfer from my merchant account delayed?

Your transfer may be delayed if it was sent at the weekend or on a bank holiday. Most banks only process transfers on business days,

How often do I receive funds from my merchant account?

The funds are transferred from your merchant account to your bank account depending on the agreed payment frequency (daily, weekly, monthly), which is decided based

What are the chargeback fees?

How do I reset a password?

If you want to change your password, or reset a colleague's password, follow these steps: Alternatively, if you have forgotten your password and cannot access

How do I get a report of my transactions?

Reports can easily be obtained from the Transactions Dashboard on your Unified Platform. To download a report, simply click on the 'Download Reports' icon and

How can I refund a transaction?

In order to issue a refund, log in to the Unified Platform and head to the transactions dashboard. Using the search bar, locate the transaction

What currencies are supported?

Nomupay allows merchants to accept and settle payments in more than 133 currencies, including all major and local currencies, except, but not limited to, those

What is the difference between fraud notifications and chargeback notifications?

A fraud notification is automatically sent by an issuing bank when a certain transaction seems to be fraudulent (i.e. card details may have been used illegally or

Where can I track my settlements?

What is a fraudulent transaction?

In the payments industry, fraud is an illegal usage of credit card details without the legitimate cardholder’s knowledge. A stolen credit card/card number is usually the

How can I download invoices?

How to withdraw money from my Nomupay account?

How to withdraw your funds will vary depending on a variety of reasons, including which acquirer you use and which region you're processing in. For

What countries does Nomupay operate in?

We're licensed and regulated in countries across Europe and Asia with direct access to 40+ countries and territories so you can process payments globally. We

What online shopping carts can I use?

Where can I see my reserve?

What are website requirements for online shops?

Before accepting credit and debit cards, each online store and online business must meet particular requirements set by card associations and payment service providers, as

Payment terms

NomupayIt is the trademark owned by Nomupay and the system of payment card acceptance in e-commerce developed by Nomupay. AgreementThe agreement is concluded between the

Where can I find information about a customer?

Log in to your Unified Platform and head to the transactions tab. Here you'll be able to filter your transactions to find the customer you're

How do I change my bank account information?

Which products and businesses are prohibited?

Please review before submitting your application If your business or product falls within these categories, we regret to inform you that your application will be

Is a chargeback a refund?

Is a chargeback a refund? No. A chargeback is different to a refund in that a customer will contact their bank when they think or

Visa/Mastercard chargeback codes

Do you accept Visa/Mastercard?

Recurring payments

Can I access the Virtual Terminal via mobile?

Card security code checking

The card verification number, also known as the CVV number, refers to the last three digits printed on the reverse of nearly all debit and

AVS (Address verification service)

The gateway is equipped with the ability to provide an address verification service (AVS) The gateway is equipped with the ability to provide an address

Levels of compliance

What are the different levels of compliance? There are four levels of compliance. The level you need is dependent on the type of processing you

MID access

CBD THC levels

Why do I need to display THC levels on my CBD products? CBD merchants need to clearly state that their products contain less than 0.2%

High Risk Transactions

Unified Platform

What is Unified Platform? Unified Platform is our proprietary and innovative CRM tailored to provide merchants with data-rich insights and reports from data that comes

How is Unified Platform different from the Gateway/ Virtual Terminal?

How is Unified Platform different from the Gateway/ Virtual Terminal? Unified Platform consolidates information from the Gateway and the Virtual Terminal for merchants to interact

MCC business codes

MCC codes, aka Merchant Category Codes, are assigned to businesses to help banks identify a transaction. The code a merchant receives will depend on their

How do I access Unified Platform?

Which MCC codes are considered high-risk?

Which MCC codes are considered high-risk? MCC 6012 is the most commonly known high-risk merchant ID. However, merchants operating in CBD, gaming, gambling and the

CBD processing prohibitions

Flowers, Seeds, Buds and Hash The sale of Flowers, Seeds, Buds and Hash within the CBD industry is prohibited by most acquirers. The sale of

How do you integrate with WooCommerce?

FCA

WooCommerce

Do you integrate into WooCommerce for me? We can provide integration documents to assist in this process and will integrate it for you at an

E-Commerce integration

How long does integration to my e-Commerce platform take? Integration time is entirely dependent on the e-Commerce platform you are using and the nature of

CBD at POS

Can I process CBD at POS? Processing POS with CBD is currently dependent on your business model. Please contact us to learn more. Check out

CBD risk

Is CBD classed as high-risk? CBD is considered high-risk due to the potential illegalities of the business and the changing nature of the regulations surrounding

CBD ingredients

Do I need to list the ingredients on my CBD products? Merchants must list all additional ingredients in addition to THC and CBD content on

CBD payment gateway

Why should I use your gateway for CBD? As CBD is considered a high-risk industry, many gateways commonly shut a merchant’s processing capabilities down or

Recurring CBD Payments

Can I take recurring payments for CBD? Due to the high-risk status of CBD business models, recurring payments for CBD businesses is only available in

MOTO payments

How can I set up recurring payments?

Becoming PCI compliant.

How do you become PCI compliant? To become PCI compliant merchants must first assess their current compliance level by completing an SAQ self-assessment questionnaire. The

Do I need a gambling license with Visa and Mastercard?

Do I need a gambling license with Visa and Mastercard? This would depend on the nature of your business, for instance, games skill businesses may

Setting up and managing recurring payments

What payment methods can I accept?

What payment methods can I accept? This is entirely dependent on the location and nature of your business. To learn what payments you can process

Taking recurring payments via the CRM

What payment methods do you accept?

Do I need an FCA Licence?

Do I need an FCA Licence? Consumer credit firms, Investment firms, payment services, and other financial institutions will need to be authorised and registered by

Merchant Code 5814

Interchange rates for Merchant Code 5814 Merchants holding an MCC 5814 classification are not eligible for some VISA or Mastercard interchange fees, however in regards

Do we need to be compliant if Nomupay is?

If Nomupay is compliant and we use your gateway, do we need to be compliant? Yes. Using our gateway reduces your exposure to malicious activity,

Who does PCI compliance apply to?

What is a Virtual Terminal?

What is a Virtual Terminal? A virtual terminal is a virtual rendering of a credit card terminal, accessible online, used to take mail order and

Do I need to become PCI compliant to take payments?

Do I need to become PCI compliant to take payments? Whilst PCI compliance is not a legal requirement, non-compliant merchants will be subject to severe

Can I use another gateway with your Virtual Terminal?

What is PCI Compliance

What is PCI DSS Compliance? The Payment Card Industry Data Security Standard is a set of standards in place to protect data from transactions made

E-commerce integration

E-commerce Integration How long does integration to my e-commerce platform take? Integration time is entirely dependent on the e-commerce platform you are using and the

How do you integrate with WooCommerce?

What is WooCommerce?

Merchant Category Code 6012

What is merchant category code 6012? The merchant category code 6012, also known as the MCC code, is related to payments taken for financial institutions,

WooCommerce

How long does integration to my e-commerce platform take? Integration time is entirely dependent on the e-commerce platform you are using and the nature of

How do I reduce the number of high-risk transactions I get?

A transaction made within high-risk industries will always be deemed as such. However, ensuring that your processing environment is as secure as possible will reduce

How to keep chargebacks at a manageable level?

Visa and Mastercard Excessive Chargeback Program As part of your financial obligations to the card networks, you must ensure that disputes (also called chargebacks) and

Chargebacks

Everything you need to know about chargebacks What is a chargeback? A chargeback is a payment refund officially claimed by a cardholder from his card

Chargeback disputes

Whilst it does not happen often, what is known as a '2nd chargeback' against a customer can be raised. This is does not alter or

Visa-Mastercard chargeback codes