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GOpay FAQs
Frequently Asked Questions
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
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