Payment Solutions



Frequently Asked Questions

A merchant account is a type of bank account that allows businesses to accept and process payments, particularly from credit and debit cards. It’s an essential component for any business that wants to offer customers the ability to pay with cards, whether in-person or online.

A payment gateway is a technology used by merchants to accept debit or credit card purchases from customers. It acts as an intermediary between the merchant’s website or point of sale (POS) system and the financial institutions that process the transaction, ensuring secure and efficient handling of payment information.

An e-commerce shopping cart is a software application that facilitates the purchase of products or services online. It enables customers to select items, review their selections, and complete the checkout process, all within a virtual environment. The shopping cart is a crucial component of an e-commerce website, serving as the bridge between browsing products and making a purchase.

A POS (Point of Sale) merchant account is a type of merchant account specifically designed to facilitate payment processing for in-person transactions at a physical retail location. This account allows businesses to accept and process payments made by credit and debit cards using a POS system or terminal.

Offline card payments using a virtual terminal are a method by which businesses can process credit and debit card transactions without the need for the physical presence of the card or the cardholder. This is particularly useful for businesses that receive orders over the phone, by mail, or through email.

To accept payments online you will need a compliant website, a merchant account and a payment gateway set up to your shopping cart or products.

You will need a merchant account and payment gateway integrated to your payment device.

Mobile phone card payments refer to transactions where customers use their mobile devices to pay for goods and services. This can be done in various ways, including through mobile wallets, NFC (Near Field Communication) technology, and mobile payment apps.

There is a fee payable on the transaction you make when processing card payments. As we have an integrated solution you save considerably for getting the complete payments service from us. We have a clear and transparent pricing plan for our services. 

Our applications will guide you through the process. You will usually receive a decision within a few hours, occasionally we might require more information about your business or supporting documents.

You will receiving a decision with a few hours on whether we can accept your business model. from application to set up to 48 hours. Delivery of your device or if we more information may delay these times slightly.

The application process involves a review of your business model, your business and the company officer. This process is called KYC or Know Your Customer. This is the industry protocol to identify the authenticity of the applicant to combat fraud or ascertain whether company officers are Political Exposed Persons or if there are any reasonable why we can not offer a service to the your business. It’s usually a straight forward process and we have an approval rate of 98%*. 

Our support team will guide you through the set up process from integrating your website to setting up your payments device, we’re here to help you all the way!

Don’t worry! Sometimes it’s based on risk appetite for your individual circumstances or business model. We have some specialist High Risk service providers that can assist you.

Powerful Features

All of theFeaturesYou Need...

We provide a complete omni-channel payment solution with a fully integrated payment hub to enable you to manage your payments from a single platform.

PDQ Transactions

For any face-to-face card transaction, a PDQ device is required in order to authenticate the transaction using the cardholders PIN. CardPayGo is able to supply a wide range of PDQ terminal devices.

Direct Integration

With direct integration, your website (complete with SSL certificate) payment pages capture the cardholders personal and credit card details and then forwards these behind the scenes to the secure CardPayGo Payment Gateway.

Hosted Form

In order to make the Hosted Form process a little more seamless for the cardholder, we are able to fully customise the payment page. Either the merchant can supply us with full CSS design or we can simply apply a customised header and footer with your company logo to the page

Payment Modules

To help our merchants integrate with our Payment Gateway we have taken the time to create plugins for various systems, these are provided as is under a GPL licence.

Fraud Management

Customisable fraud management tools that provide the Merchant with the ability to dictate the levels to which the Merchant’s account will automatically check transaction authenticity.

Mobile Apps

With mobile technology and applications becoming more popular and part of everyday commerce, CardPayGo have embraced m-commerce and have the ability to process payments across these devices

Global Payment

We provide global payment solutions to over 128 countries. Our payment support teams have local knowledge on how to get the best out of your ecommerce strategy helping you to increase your sales.

24/7 Customer Service

The BestCustomer SupportAlways Ready to assist...

Our Business Support Team are on hand all year round, everyday to assist our merchants with technical support to ensure you are always one step ahead…

We will usually need some details about the business and the owners. 

Once your account is  approved we will provide a dedicated Business Support Assistant to get you set up.

We have a team of technical experts that will be able to resolve any support requirements promptly.