GOpay® FAQs

Frequently asked questions about the GOpay credit card payment system and ecommerce tools

Do I need a web site to use GOpay®?
Who can use GOpay®?
How do customers use GOpay® to pay for items?
How do I start using GOpay®?
Which credit cards are accepted through GOpay®?
Which banks are supported?
What sort of web browser do I need to use GOpay®?
Do I need any other equipment or software to use GOpay®?
What does it cost to use GOpay®?
Do I need a Merchant Number from my bank?
I already have a Merchant Number for Amex and Diners. Can I use it for American Express and Diners Club transactions?
What currencies does GOpay® support?
What is a Payment Gateway?
I have an EFTPOS Merchant Number from my bank. Can I use this with GOpay®?
When do I receive the cleared funds from transactions?
Can operators process refunds to credit cards using GOpay®?
How long does it take to get my GOpay® account approved?
Can I get a refund from GOpay® if I close my account?
When are GOpay® fees payable?
Do I need my own security certificate to use GOpay®?
How reliable is GOpay®?
How secure is GOpay®?
Can I save my transaction data history?
How do I export my GOpay® transactions into MYOB?
How do I add more items to sell using GOpay® BuyNow links?
How do I login to my GOpay® account?

Do I need a web site to use GOpay®?
No. If you wish to use GOpay® Desktop or Batching to process credit card transactions you do not need to have your own web site. However, you will need access to the Internet through a Microsoft Explorer Internet browser of version 5 or above.

Who can use GOpay®?
Any business may use GOpay®. To open a GOpay® account a merchant will need an approved 'online merchant number'. You must first register with GOpay® and incorporate GOpay® into your web site. You can then apply to your bank to get an online merchant number which will work on the GOpay®/Camtech gateway. For security reasons the bank will want to see and will need to approve of how you have incorporated GOpay® into your web site before they issue the merchant number. There is a GOpay® payment mode to suit most types of businesses - tradespeople, professionals, retailers, mobile service providers, associations, large corporations, government departments, franchise groups and call centres, to name just a few.

How do customers use GOpay® to pay for items?
Once a merchant has created a payment link (either as a BuyNow shopping cart link on their web site or as a Bill Payment link) the customer simply clicks the link to pay. The customer will go directly to the merchants secure payment page on the GOpay® server. The customer can add items to the GOpay® shopping basket and pay for all items at once. Using Buy Now buttons you do not need a shopping basket unless you have hundreds of items.
If you have your own shopping basket then GOpay® will provide you with code to connect your shopping basket to the payment gateway.

How do I start using GOpay®?
Telephone now for a link to our online application form and follow the instructions. At this time you will need to pay the connection fee, annual payment gateway license fee and the first month subscription to GOpay® for the use of their services and GOpay® Ecommerce Tools.

Which credit cards are accepted through GOpay®?
MasterCard, VISA, Bankcard, American Express, Diners Club and JCB. Application can be made for these cards to be used with your GOpay® system.

Which banks are supported?
Bank accounts with the following banks can be credited with funds direct using GOpay®. Westpac, Commonwealth Bank of Australia, National Australia Bank, ANZ, BankWest, Bank of South Australia, St George.

What sort of web browser do I need to use GOpay®?
GOpay® has been designed to work with Internet Explorer version 5 or greater. GOpay® card processing supports Windows and UNIX operating systems.

Do I need any other equipment or software to use GOpay®?
You will need suitable Internet access for the GOpay® payment mode you wish to use. For GOpay® Desktop, a PC equipped with Internet access and a compatible browser is all that is required.
In addition to PC browser access:
For GOpay® BuyNow links you must have an HTML web site, or use an HTML email program.

What does it cost to use GOpay®?
Contact GOpay® on 07 3286 6633 to confirm latest pricing.
2008 Pricing is $385 initial connection fee - which includes the annual $275 Payment Gateway Fee and $33 a month plus .55 cents a transaction decreasing on proven transaction volume.

Do I need a Merchant Number from my bank?
Yes to have money paid directly into your bank account you need a 'Camtech Online Merchant Number' from your bank that is approved for online transactions.

I already have a Merchant Number for Amex and Diners. Can I use it for American Express and Diners Club transactions?
No. You must have a separate 'online' merchant number from each of American Express and Diners Club.

What currencies does GOpay® support?
At this time GOpay® accepts transactions in Australian dollars.

What is a Payment Gateway?
The Payment Gateway provides a secure encrypted connection from GOpay® to the Australian banking network for the processing of credit card transactions. GOpay® is specially licensed and approved to use the Camtech gateway for merchant transactions. All transactions are conducted in the name of the merchant. GOpay® is merely a part of the pipeline and does not become involved in handling the transaction proceeds at any point. 

I have an EFTPOS Merchant Number from my bank. Can I use this with GOpay®?
No. You must have an 'online' merchant approval from your bank specifically able to be used on the GOpay®/Camtech payment gateway.

When do I receive the cleared funds from transactions?
The sum of all approved credit card transactions (settlement) is credited to your nominated bank account overnight, on the day of the transaction.

Can operators process refunds to credit cards using GOpay®?
Yes, but every refund must be made to the originating credit card and must use the RRN number issued with the original charge transaction. Refunds cannot be processed without the RRN number. You cannot refund more than has been charged to that card. As a security measure, you may also set maximum dollar values for refunds for each operator authority level. This is done in your GOpay® Payment Management Centre under Site Options.

How long does it take to get my GOpay® account approved?
Once we have received your online application, payment and fax confirmation form, we will usually have your account open within 24 to 48 hours. You are then issued with username and password access to explore and utilise the tools on your web site. You will be provided with access to a staging area within the gateway which will allow you to learn and test your systems. You can then apply for a 'Camtech Online Merchant Number' from your bank to enable you to take payments live using the payment gateway. When you are ready to 'go live' you advise us and we will connect you using your 'online merchant number'. This will then route in real time cleared credit card funds direct into your bank account protected by our 128 bit SSL encryption key. GOpay® are trained and licensed by Camtech to organise this for you.

Can I get a refund from GOpay® if I close my account?
No. The payment gateway license fee and monthly network access fees are non-refundable. Transaction charges will apply to all transactions processed via the payment gateway.

When are GOpay® fees payable?
The payment gateway license fee is payable prior to activating your account. Monthly fees are charged to your credit card at the end of each month.

Do I need my own security certificate to use GOpay®?
No. We will allow you to use the GOpay® 128 bit SSL encryption secure payment system through any of the GOpay® payment modes.

How reliable is GOpay®?
GOpay® is very reliable with uptime of over 99% each month through the secure Payment Gateway.

How secure is GOpay®?
We use 128-bit SSL encryption for all data transmissions, providing maximum protection for your data. Additionally, all data is housed on our industrial strength servers, located in a secure environment and protected by the use of server firewalls with diesel generator backup in case of power failure.

Can I save my transaction data history?
Yes. You can print transaction data or export it to a spreadsheet program in CSV format. GOpay® has many report filters which will be useful in tracking transactions.

How do I export my GOpay® transactions into MYOB?
Before you can import transactions into MYOB you must set-up an Income Account Number and a Card File Name to which the total value of the imported transactions are allocated.
The followings steps are provided as a guide to assist you with exporting your transaction details into MYOB. We recommend you refer to your MYOB Manual for further assistance.

Step 1 - Using Master Reporting select the transactions to export and save the selected transactions in a spreadsheet file (Excel) in CSV Format. You can name this file to suit your requirements.
Step 2 - Now include 2 columns into the CSV file .One column will be used to nominate the Income Account Number, and the other column to nominate the Card File Name.
Step 3 - Enter an Income Account Number and Card File Name for each transaction listed on the spreadsheet CSV file.
Step 4 - In MYOB: To open the Import Sales File, from the file menu select Import Data ---> Sales ---> Miscellaneous Sales. Then check the Comma-separated box and click continue. Select the file created in Step 1 and match the Import Fields with the MYOB Matching Import Fields. Then select Import. MYOB will confirm the data has been imported.

How do I add more items to sell using GOpay® BuyNow links?
It is easy to add new items to your GOpay® online store by using the template structure in your Shop Settings. You may add manually or use the upload function for as many items as you like.

How do I login to my GOpay® account?
You will find the login zone on our home page. Choose the authority level that you require. You can save this page as a shortcut for your desktop.

"No gloss or frills we just deliver and keep on delivering..."  

For assistance... to speak with one of our friendly Consultants please telephone or alternatively you may prefer to use our Enquiry Form. Thank you.

GOpay® Sales & Support
Brisbane: 07 3286 6633
Sydney: 02 8197 8747
Melbourne: 03 8683 0298
Canberra:  02 6160 7504
Adelaide: 08 7129 7007
Perth: 08 6103 1171