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Payovation online payment system

Payovation
http://www.payovation.com/

Updated on October 21, 2009
Views: 7062 | Clicks: 626


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General Information

Payovation is a leading gateway and payment processor, run by experienced processing industry professionals. We link customers, merchants, and financial institutions in order to facilitate electronic transactions around the world.

The Payovation Executive Team have more than 15 years experience in eCommerce payment processing, having worked with and for many leading gateways and processors internationally. The Payovation gateway has been developed with an emphasis on facilitating the needs for both general e-commerce and high risk on-line merchants, focusing on reliability, security and fraud minimization. The staff at Payovation understands the needs of specialized online businesses, offering clients payment services and high support levels that ensure long term client loyalty and customer retention.

Payovation firmly believe that all merchants should have access to a reliable and cost effective payment solution, regardless of their risk rating. Hence our approval rates are among the highest in the industry. We strive to make a change for high risk merchants by providing a new level of reliability and value.

Many thousands of hours have gone into researching and developing the Payovation gateway system, to ensure that the needs of both general ecommerce and high risk merchants are met securely, reliably, and cost effectively, regardless of a merchant’s location or industry sector.

Whether opening a new business or expanding an established one, regardless of location, credit rating and risk rating, Payovation will provide you with a leading world class payment solution, backed by extraordinary service and support.

Currencies

USD

Countries of use

all

Users

all

Fees

Credit Card Rates Guide
Low Risk Merchants (LRM)

(E.g. General eCommerce sites)

Medium Risk Merchants (MRM)

(E.g. online dating, high ticket electronics)

High Risk Merchants (HRM)

(E.g. adult, online pharmacy)

3.5% - 4.75% 4% - 6.5% 5.5% - 9.5%

 

Application Fee

Upon receipt of a completed merchant application, a Payovation processing consultant will match your site with the best acquiring bank currently integrated to our gateway. Upon successfully matching your business to a bank and submitting your documentation, a $275 application approval fee will be charged. If your application is declined by all available banks, no charge will be made.

Transaction Fee

Payovation will charge a per transaction fee at a rate of USD $0.40-$1.35 depending on the acquiring bank matched to your business and volume of transactions.

Refund Fee

Payovation will charge a per refund fee at a rate of USD $0.40-$0.80 depending on acquiring bank.

Rolling Reserve Fund

5% - 10% of processing volume will be held back for 180 days as a security deposit.

Chargeback Fee

A fee of USD $25.00 - $150.00 will be charged for every transaction that is "charged-back" by a customer, depending on the acquiring bank and charge back percentage.

Wire transfer Fee

We typically charge a fee of USD $50.00 per wire transfer to Merchants, however in some cases this may be lowered depending on the acquirer.

Payouts

Payment in most cases is weekly, at 10-14 days (depends on bank) in arrears. For high volume accounts this can be shortened.

Integration approaches

Hosted Sales Page

The hosted sales page is the fast and easy choice, with simple integration and advanced geo targeting for multi-lingual and multi-currency transactions. The hosted sales page can be re-branded to suit the style of your current website. It is suitable for all types of online merchants.

Hosted Redirect Link

The hosted redirect link is designed to primarily support shopping carts, allowing you to design your own payment page, posting all the required details to the processing link. Once a payment has been processed, the link redirects a customer to your pre-defined "success" or "fail" web page.

Information for developers

Increase profits with leading payment services

To remain competitive in today's market, you have to do business online. Accepting credit cards online can dramatically increase sales and give your business the boost it needs to succeed. Add to that a low cost payment method such as eChecks (ACH) if you do business in the US, and your business profits will be looking better than ever.

Real-time merchant services

Payovation is a leading provider of real-time merchant services to ecommerce businesses around the world. Our services include providing internet merchant accounts that are pre-integrated into our Payment Gateway, credit card processing, e-check (ACH) processing, fraud protection and virtual terminal processing.

The quick and easy way to collect payments online

Payovation is the quick and easy way to collect payments from your website. Suitable for merchants of all sizes, volumes, and industries - we provide you with a complete real-time online payment package. With fast approvals, great customer service, personalized account managers and competitive rates, Payovation is the only ecommerce merchant processing solution you'll need.

API Integration

Payovation's API uses a secure sockets layer (SSL) digital certificate, to connect securely and directly between your site and the Payovation Payment Gateway. This method is more complex and advanced, allowing seamless integration. This method also requires your site to have an SSL certificate on your payment pages.

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