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  • How to use

    17-03-19
    Terms of use

    The base currency of merchant account with ipasspay.com is CNY,but we can clear the funds to any bank with any currency. The amount of approved transactions will be held for some days before you can withdraw the funds to your bank account. It ranges from 20 days to 30 days for new set-up business ......

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  • Glossary

    17-03-19
    Login password and Payment password

    When we set merchant account for our merchants,login password and payment password will be sent with the notification email as well. ......

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  • How to use

    17-03-19
    API_KEY

    API_KEY is one the most important parameters in API integration,it is used in all endpoint to create sha256 hash string.You will find it in the "My account" page. ......

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  • Payment related

    17-03-02
    Visa Chargeback Reason Code 72: No Authorization

    Definition: The issuing bank received a transaction for which authorization was not obtained. The most common cause is not obtaining an authorization for a transaction or, for card present, obtaining it after the transaction date. For Automated Fuel Dispenser (AFD) transactions, the issuing bank  ......

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  • Payment related

    17-03-02
    Indian Financial System Code(IFSC CODE)

    The Indian Financial System Code (IFS Code or IFSC) is an alphanumeric code that facilitates electronic funds transfer in India. A code uniquely identifies each bank branch participating in the two main Payment and settlement systems in India: the Real Time Gross Settlement (RTGS) and the National E ......

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  • Payment related

    17-02-13
    MasterCard’s Excessive Chargeback Program

    MasterCard carefully scrutinizes each merchant’s chargeback activity as part of the Excessive Chargeback Program. Through the use of predetermined chargeback thresholds, acquirers are able to evaluate and predict chargeback risk. The network expects each acquirer to monitor these MasterCard charg ......

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  • Payment related

    17-02-13
    A Detailed Description of MasterCard and Visa Chargeb...

    Each chargeback is accompanied by a reason code. These numeric codes differ by card network, but all theoretically serve the same purpose: to describe the motivation behind the transaction dispute. ......

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  • Payment related

    17-02-13
    Chargeback Reason Codes Associated with Friendly Fraud

    Chargeback fraud is commonly referred to as friendly fraud because the assault comes from a traditionally non-hostile enemy–the merchant’s own customers. A customer contacts the bank to inaccurately report a genuine charge as fraud. Most merchants view this as a form of shoplifting. While there a ......

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  • Payment related

    17-02-13
    Chargeback Reason Codes Associated with Merchant Error

    Most merchants assume they are innocent when it comes to chargebacks. In reality, a merchant’s faulty involvement in the transaction process can lead to a significant amount of chargebacks. In fact, there are more reason codes associated with merchant error than any other cause. ......

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  • Payment related

    17-02-13
    Chargeback Reason Codes Associated with Criminal Fraud

    Determined fraudsters are everywhere. Because fraud can cause significant profit losses, it is important to recognize potential fraud and take the necessary steps to prevent it from happening. There are several reason codes that can result from fraudulent or unauthorized activity. ......

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  • Payment related

    17-02-12
    10 BEST VIRTUAL CREDIT CARD ( VCC ) ...

    Are you looking for a list of Virtual Credit Card ( VCC ) Providers ? I’ve listed here 10 popular VCC providers that can help you to transact your money securely. You can find many VCC providers on the internet but all of those are not trusted, but these VCC providers are very popular and used by th ......

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  • Payment related

    17-01-25
    Why Are Chargebacks So Awful?

    Chargebacks suck in more ways than one. If you choose to do nothing after a chargeback has been issued, the credit card provider will demand money to be paid back to the customers, and you’ll have to pay it—that’s a refund but worse because you’ll lose the product and have to pay the chargeback f ......

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  • Payment related

    17-01-25
    How to Use Refunds to Prevent Chargebacks

    It’s wise to offer a refund instead of letting a situation escalate to a chargeback. Since chargebacks can take months to materialize, it’s best to have a system in place so it won’t sneak up on you. ......

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  • Glossary

    17-01-23
    Terminated Merchant File (TMF) Definition

    What is the Terminated Merchant File? The Terminated Merchant File (TMF), also known as the MATCH list, is a database that contains information about businesses that have had their credit card processing services terminated by a provider. Acquiring Banks consult this list when determining whether ......

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  • Glossary

    17-01-18
    International Bank Account Number(IBAN)

    The International Bank Account Number (IBAN) is an internationally agreed system of identifying bank accounts across national borders to facilitate the communication and processing of cross border transactions with a reduced risk of transcription errors. It was originally adopted by the European Com ......

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