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ProPay online payment system


Updated on October 21, 2009
Views: 6769 | Clicks: 267

Website Screenshot

General Information

ProPay offers a simple, safe, and affordable service that gives you the ability to accept your customer's credit cards. No special equipment is required to use ProPay and there are no complicated contracts or commitments. Users can process cards over the internet or, for mobile transactions, using any touch-tone telephone, including cell phones, with ProPay?s "Push to Pay" functionality.


VISA,MasterCard,Discover,American Express




Premium Plus
Annual Fee
$34.95 $59.95 $119.95 $299.95
Accept VISA / MasterCard
3.50 % + $0.35
3.25 % + $0.35
2.99 % + $0.30
2.69 % + $0.25
Accept Discover
3.25 % + $0.35
2.99 % + $0.30
2.69 % + $0.25
Accept American Express
3.75 % + $0.35
3.49 % + $0.30
3.19 % + $0.25
Process via Internet
Process via Telephone
Linked Prepaid
MasterCard Card
Annual Statement
Checking Account
Transfer Fee
$0.35 $0.30 $0.25 $0.10
Processing Limits
(per transaction / monthly)
Note: There are NO monthly
$250.00 / $1,000.00 $500.00 / $3,000.00 $1,000.00 / $5,000.00 $3,000.00 / $15,000.00

Integration approaches


Information for developers

Enter your customer's credit card information using ProPay's website or a touch-tone phone.

To process a credit card, you will need to collect your customers:

  • Credit Card Number
  • Card Expiration Date
  • Zip Code
  • Transaction Amount

Once you enter this information, ProPay will give you an immediate authorization or decline so you know if the payment is valid.


Corporate Solutions
Merchant Accounts

ProPay can provide special discounts for companies that sign up large volumes of merchants. ProPay was chosen as the DSA (Direct Selling Association) Vendor of the Year and provides merchant accounts to the distributors of several multi-million and billion dollar companies.

Commission Payments

By paying commissions to a ProPay Account, you can decrease or even eliminate the cost of printing and processing checks. The person receiving the payment has the flexibility of spending it directly using a linked Prepaid MasterCard Card or transferring it to a checking account of their choice.

Branded loyalty/commission Prepaid MasterCard Cards

ProPay has partnered with MasterCard to provide a branded card linked to a ProPay Account. The user may spend his ProPay funds anywhere MasterCard Debit Cards are accepted or withdraw funds from over 900,000 ATM's worldwide. These branded cards can promote your business, build brand recognition and loyalty, and can be used as:

  • pre-paid cards
  • gift cards
  • budget cards
  • commission cards
  • bonus cards
Customized Payment Intranets

Payment intranets is a fancy way of saying that ProPay can be integrated into corporate payment systems to provide one or a combination of the services above. For example, one direct selling company offers ProPay accounts to their distributors and allows them to receive their commission payments directly into their ProPay Account. The distributor can then use all of their funds from direct sales and commissions to buy back inventory using their branded Prepaid MasterCard Cards.

Recent news

Posted on October 28, 2010
PA DSS- Know the Rules! (version 2)

In the recently released PCI DSS version 2 there is a statement that is sure to cause confusion…it states: Note: It is not a PCI DSS requirement to use PA-DSS validated applications. Please consult with each payment brand individually to understand their PA-DSS compliance requirements.) To (hopefully) answer the inevitable questions before they are asked I will [...]

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Posted on October 28, 2010
PCI DSS v 2.0 Released

Today,  the Payment Card Industry Security Standards Council (PCI SSC) released the updated version of the Payment Card Industry Data Security Standard, the PCI DSS.  The SSC released a notice of the forthcoming changes in August, so the changes should not be too surprising. Most of the changes involved providing additional clarification around existing requirements.  [...]

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Posted on October 26, 2010
Customer Service vs. PCI Compliance

In Customer Service, we understand that rules and regulations can be a hindrance when it comes to taking care of our valued customers. Please know, by no means does ProPay wish to make things more difficult and not be of assistance when contacting ProPay’s Customer Service Department. However, we must follow the industry’s rules and [...]

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Posted on October 25, 2010
When in Doubt, Opt-Out

Last week saw a number of stories involving social media sites and their privacy policies. Â Recent news stories have warned us about applications that may share our personal data with third party companies, hiding pictures of our exes, and now that applications may “out” people. Â In the payments industry there is a tendency to [...]

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Posted on October 25, 2010
ID Theft vs. Credit Card Fraud

There is often confusion about what constitutes ID theft. Adding to the often confusing statitics are the scores or reports, surveys, and other information published on a nearly daily basis that often seem to use the terms interchangeably. Arguably, there is often a fine line between the two concepts but it is important to know [...]

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