PacyPay is a product of Shanghai Gujin Information Technology Co., Ltd., which focuses on studying the application needs of cross-border business enterprises, developing and promoting comprehensive service application systems, and is committed to providing enterprise-level services for China's e-commerce industry, providing overall solutions for enterprises, merchants and e-commerce companies, solving payment and collection problems, and continuously paying attention to business risk control issues. It has passed the PCI-DSS security certification of the international card payment industry to fully ensure the security of corporate online transactions. About Gujin Shanghai GuJin Information Technology Co., Ltd. is a cross-border commercial integrated service provider based on the background of Internet finance and RMB internationalization. It is committed to providing cross-border integrated services and the financial services and solutions derived therefrom. GuJin's business covers e-commerce, air tickets and travel, traditional manufacturing enterprises, conferences and exhibitions, catering and hotels, entertainment videos, software, education, games and other industries, and continues to help merchants improve efficiency and create value. About PacyPay · PacyPay is a company registered in the UK (Registration Number: 09534814) and registered as a licensed payment institution with the Financial Conduct Authority (FCA) (Registration Number: 798375). PacyPay provides acquiring platforms to many merchants in the UK and other European countries. Merchants use PacyPay's acquiring platforms and solutions to run accessible, affordable, efficient and risk-controlled retail operations. PacyPay's solutions are adopted by customers in different industries such as digital electronics, catering, fashion, cosmeceuticals, communications and aviation. Every year, the PacyPay platform processes more than millions of transactions and helps more retail customers. PacyPay aims to provide a more complete online service system and serve the entire e-commerce industry ecosystem. While meeting various business needs, it always insists on providing users with the best service experience, continuously improving customer service, and is determined to become a leader in cross-border comprehensive services. Products and Services 1. Products Start accepting online credit and debit card payments right away through our online payment gateway. You can choose from simple payment pages, integrated payment pages, virtual terminal services and other alternative payment methods. PacyPay is a third-party payment platform company jointly established by bank executives, senior third-party payment management experts, and senior international card risk management experts. It has passed the payment industry security certification and is committed to providing online payment gateway technology services for merchants. It currently supports global international credit card online payment services and localized payment solutions in countries around the world. Its main products and services include international credit card payment, 3D channel services, non-3D channel services, major business areas, and multi-currency processing. 2. Services (1) Online payment gateway Accept fast online card payments through PacyPay's secure payment gateway. (2) Fraud and risk management PacyPay's experience and background in card acceptance and alternative payment methods can help you make better decisions. PacyPay offers a range of fraud and risk management solutions that can make your business more profitable by increasing the percentage of good transactions. (3) Financial services Attract global customers by enabling them to pay in their preferred currency. Avoid excessive cross-border transaction fees when paying suppliers or customers using PacyPay's network. Easily manage your currencies and cross-border remittances. (4) Online payment methods If you are considering accepting bank card payments, PacyPay can help you set up an online merchant account. Simplify online payments and create a fast and secure checkout experience for your customers. (5) Data and analysis Monitor performance across all stages of the payment lifecycle, understand key drivers of success, interpret available data and unlock its hidden value, benchmark performance against relevant peer companies, interpret results and develop strategies to optimize global payment networks. (6) Optimize services Minimum payment transaction costs, consultative support, maximize transaction acceptance rates, improve consumer experience and bring outstanding competitive advantage. Industry Solutions PacyPay has an experienced Internet operation team, familiar with overseas channels such as Google and Facebook, and familiar with international logistics and express delivery business. It focuses on providing enterprises with overseas marketing plan formulation and marketing hosting services, and can help enterprises establish efficient supply chain and logistics systems. It helps enterprises improve user conversion rate and success rate and quickly enter the target market. 1. E-commerce retail Increase conversion rates in new global markets without compromising the shopper experience. Generate more revenue for you and give your customers a better experience with one simple integration. 2. Video Games No matter what type of video game company you are, PacyPay can simplify your payment process and help you increase player conversion rates and spending. 3. Digital content Reach and engage your customers with PacyPay’s global reach and provide your users with an ideal experience no matter where they are or what device they are using, saving you development resources and effort. 4. Tourism We can provide payment services in the field of travel e-commerce. No matter what field of travel business you are engaged in, you can develop your business with the help of a trusted global payment partner. Security and Risk Control 1. Before trading - risk control system PCI-DSS v3.0 standard, a complete protection system ensures the security of cardholder information, and can customize payment pages according to merchant requirements to improve customer payment conversion rate. The system operation status is monitored by dedicated personnel 24 hours a day, 7 days a week. 2. During the transaction - third-party risk control system Cooperate with third-party sub-control companies such as Maxmind, Gatekeeper, CyberSource, etc. to customize risk control rules suitable for customers according to their industry needs, so as to achieve a balance between fraud and success rate. 3. Post-trading - intelligent analysis system The system intelligently analyzes service risks every day to alert merchants of risks, so that they can be fully aware of every transaction. Professional personnel can review the transaction with greater confidence, and the cardholder can contact customer service for confirmation to ensure that everything is safe. Platform Advantages 1. The most professional platform PacyPay Payment cooperates with many acquiring banks and third-party risk control at home and abroad, which can better "escort" merchants' foreign trade acquiring and provide cardholders with a better and safer payment experience. 2. The most complete service 7×24 hours customer service, support for credit cards and overseas local payment methods, high payment success rate, global payment can be started in as fast as one day, funds are safe and not frozen, and payments are returned quickly. 3. Customizable services We can provide payment channels, risk control policies, and customer service that are more suitable for you according to different industries. The system will analyze the order status through data to make your operation more stable. FAQ Q: How long does it take to open and access a channel? A: After the merchant provides complete information and completes relevant procedures, the channel can be opened on the same day. After the channel is opened, our company will have professional technicians to assist the merchant in connecting the interface. Once the interface is connected, the merchant can start collecting payments. Q: Is there any settlement fee? Is there a minimum or maximum limit for a single transaction? A: There is no minimum or maximum limit for settlement. It is recommended that the settlement amount should exceed RMB 5,000 each time, because a handling fee of RMB 5.5 will be incurred when the system transfers the amount below RMB 5,000, while there is no fee if the amount exceeds RMB 5,000. Q: How is the margin collected and settled? A: The margin is 10% of the transaction amount, with 180-day rolling settlement. Q: Questions related to refunds and chargebacks during use? A: (1) Refund processing: Merchants can make partial or full refunds for a transaction in the backend. The handling fee is not refundable because the bank has already included the transaction fee when each transaction is successful. However, no additional refund processing fee is charged. (2) Chargeback processing: If a chargeback eventually occurs, the bank needs to process each chargeback transaction, which will incur a chargeback processing fee of US$20 per transaction. |
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