Idea Transcript
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Introduction Frequently Asked Questions will answer your questions regarding Swipe products, features and security. More info about Swipe service conditions and fees can be found in pricing and Terms of Use sections. If you didn't find an answer to your question, feel free to contact us by e-mail now and we'll get back to you within a day. Of course most frequently asked question is “Why should I use Swipe?” Payment delay is a nuisance for big corporations. But it can literally kill a small business. If major customers delay their payments, all SMEs can do is send a reminder, look at their bank account and pray. Interestingly, most debtors do have the money. What they don’t have is the time and patience to open annoying reminders, log into their internet banks and decode payment details from .pdf invoices on their 5-inch phone screens. Until Swipe, sending conveniently paid invoices meant long setup and high investment in IT. Well, not anymore. Even is you business is going online, Swipe provides easy installable web gateways for OpenCart, PrestaShop, Magento and WooCommerce e-commerce platforms. Relax. Enjoy. Read.
Invoices Swipe invoices can be sent to your clients by email. If your merchant’s profile is verified, Swipe invoices can be paid using a bank card in just two clicks. As well as, verification enables invoicing via SMS. and gives the opportunity to accept payments in euros (€), American dollars ($) and British pounds (£). 1. Is there any cost of sending invoices? No. Sending is free of charge. 2. Does the customer has to be registered in the Swipe platform to pay the invoice? No. Anyone using Visa or MasterCard can make a payment without registration. 3. How to send an invoice? Invoice can be sent using your Swipe profile or by pressing here. 4. Is there a limit for the sum of a single invoice? Yes. The amount of one invoice can reach up to 3000 EUR. 5. Why can't I send invoices by SMS? Verified account is necessary to send invoices by SMS. 6. Do I have to pay an additional fee for sending invoices by SMS? No! SMS sending is free of charge and available for each verified account. 7. What is required to pay for an invoice? To pay for Swipe invoices you need to have Visa or MasterCard payment card. As well as, every invoice can be paid by making a transfer to merchant bank account. 8. How soon will I be notified about a received payment for an invoice? A notification about received payment will be sent immediately to your e-mail, as well as it will appear in your Swipe account. 9. How can I change VAT rates for invoices sent? VAT rate for invoices can be changed in user settings or by pressing here. It can be also enabled and disabled in each invoice when preparing it. 10. What if my invoice is paid in different currency? Swipe will automaticaly exchange the payment in the currency set to your account applying current Visa or MasterCard exchange rate.
Subscriptions Subscriptions make sure invoices are sent automaticaly for selected clients and enable businesses to receive recurring payments fast and without interrupting clients’ day with annoying reminders. Customers can be added manually to any subscription plan in company’s Swipe account or subscribe themselves online. If your merchant account is verified, Swipe gets funds automatically. 1. Is there any additional cost for using subscriptions? No. Subscriptions are available for every Swipe user. 2. Why can't I enable SMS invoicing for my subscriptions? Most likely your Swipe account has not been verified. If this is not the case, please contact us. 3. Do reminders work when sending invoices using subscriptions? Yes. Reminders are available for every Swipe user.
Payments Swipe payments enable invoices to be paid instantly and recurring payments for subscriptions. To accept payments verified merchant account is necessary. Your business is going online? Not a problem! Use Swipe payment gateway to accept payments on your website just by downloading payment module for you e-commerce engine in a few clicks. 1. What payment solutions are available for integration? Swipe provides "Full page", "iframe" and "Pay button" solutions. More info here. 2. What are the technical capabilities of Swipe payment modules? Swipe payment module can be integrated in any home page and with it you can accept Visa and MasterCard payments. 3. How can I integrate a payment module? You can download the necessary module for your e-commerce platform here. Further instructions can be found in the downloaded file. 4. What is required for integration of module? So you could make the integration you need website administration panel input data and for OpenCart, Magento and Prestashop modules you need the FTP (File Transfer Protocol) access data. 5. Is it possible to integrate a module by myself? Swipe payment module integration requires no prior programming knowledge. Integration instructions can be found in the archive, when downloading of your e-commerce platform module here. 6. In which website Swipe payment gateway can be integrated? Currently Swipe offers payment modules for OpenCart, PrestaShop, Magento and WooCommerce platforms. As well as, payment acceptance solutions for individually developed PHP websites, more details in API instructions under section CHECKOUT. 7. Why can't my client make a payment with a card on my website? If the payment module does not work, please contact our technical support. The most common case for this is unfinished verification process. 8. While making a payment, after the OpenCart module's integration, Swipe page with the 404 error appears. Most probably it means that on your website server root folder you forgot to upload DigiCertGlobalRootCA.pem certificate that was available for the module in the archive along with admin and catalog folders. 9. Is there any additional requirements to have Swipe payment module on site? Yes. Every website using Swipe to accept card payments must comply with Visa and MasterCard rules for sites. If interested in additional info, please contact our support center.
Refunds Swipe provides one click refunds for every verified merchant. Clients are refuded directly to the card the payment was made from. 1. How can I request a refund? As a client you need to contact your merchant directly to negotiate on the refund. 2. Is there a fee for refund? No. Swipe provides free payment refunds. 3. Can I transfer a refund to a different client's card? No. Just the original card payment card can be refunded from your Swipe dashboard. Client can always transfer the funds further himself. 4. How to cancel a refund? Refunds can't be cancelled. However, you can sent a new invoice for the customer.
Notifications Swipe provides a notification system for you and your clients. So you don't have to make awkward phone calls reminding about the unpaid invoices. 1. How will I know that client has made a payment? For every payment made by any client you will receive a notification to the registered mail address and the status in you Swipe account will change to "Paid". 2. What do reminders do? Reminders help merchants clients to remember that they have an unpaid invoice. This is done to improve the paid invoice rate for every Swipe user. 3. How can I enable or disable reminders? Reminders are enabled by default and can be disabled in your personal Swipe account in the settings section. 4. Can I change reminder message? Unfortunately, no! Every notification is predestined and predesigned before being sent to the client. 5. Can I use reminders if I don't have a verified account? Yes! Reminders are a crucial part of the invoice functional, so any registered member can be sure that Swipe will motivate their clients to make the payments faster. 6. What notifications does Swipe send? There are x notifications sent in particular situations. List of notifications: Parameter
Description
NOTIFICATIONS limit Optional Client hasn't opened the invoice for 48h since delivery. after_id Optional ID of an object to fetch a page after (newest first). before_id Optional ID of an object to fetch a page before (newest first).
API 1. Where can I find API description? Swipe API description you can find here.
Security Swipe provides high level security to merchants, as well as their clients. This is possible due to a sucessful partnership with Rietumu bank, which brings the security and legal stability of the bank and a convenience and speed of and inovative fintech product.
Payments 1. What about the security of recieving payments? All the card payments are procesed by procesing center Decta, which corresponds to PCI DSS security standart. 2. What if a client pays with a stolen card? Swipe accepts card transactions with 3D Secure. This provides lower risk of payments from stolen cards.
Data 1. What about my accounts' security? Swipe system has been tested and successfully§ performed in security audits.
Funds 1. What happends to my finds if Swipe sudenlly stops opperating? Funds are being in Swipe account, which itself is the merchants legal transit account in Rietumu bank. It exist only for the purpose of transfering recieved payments to the merchants bank account.
Account Types Swipe is available for everyone, empowering
Non-verified account Your account is the main tools where to follow all transaction statuses, set up subscriptions and have the whole Swipe fuctionality in your hands. 1. What is the cost of using Swipe? You can learn about Swipe pricing here. 2. I forgot my password. How do I reset it? You can reset you password here. 3. How to change my password? Go to your Swipe account. At the top right, click on username and choose settings in the drop-down menu. At the page bottom you will find password settings. Press "change". 4. How much does the registration cost? There are no additional fees for registering. The only cost for using Swipe is a fee for every transaction made by payment card via Swipe. 5. What happens if the client has paid an invoice by bank transfer, not by card? Your client will receive a e-mail notification after an unpaid invoice and will have the choice to pay it now or select that the payment was made via a bank transfer. If this is selected, merchant will see the status of the payment change to "Received". In this case this is your responsibility to check if the payment is aactually received. 6. How can I get in touch with someone at Swipe? Sure! You can call the contact number in our website under selection "Contact Us" or just write us now.
Verified account 1. From what countries clients can make payments? Payments can be made from any part of the world. 2. In what countries Swipe is available for use? At the moment Swipe.lv is available to Latvian companies. Any owner of Visa and MasterCard payment card around the world can pay for products and services. Soon Swipe.lv will be available in all European Union countries as well as in Andorra, Channel Islands, Iceland, Isle of Man, Liechtenstein, Monaco, Norway, San Marino, Switzerland, Turkey and Vatican City.
Verification As a verified merchant, you have the whole Swipe fuctionality in your hands. Enabling you to with a powerfull set of tools to get paid faster. 1. What are the advantages of having a verified Swipe profile? A verified Swipe profile provides the possibility to access the whole product functional including: Invoices, Subscriptions, Web Gateway and any form of their functional integration. 2. What is necessary for verification? Potential client must be a legal entity registered in European Union countries as well as in Andorra, Channel Islands, Iceland, Isle of Man, Liechtenstein, Monaco, Norway, San Marino, Switzerland, Turkey and Vatican City. You need to contact our client manager or contacting us directly to arrange a meeting to sign an application. 3. Can I fill in the application form remotely? This option is only available for clients of Rietumu bank by contacting us directly. 4. How long does the verification take? Verification takes up to three working days, however in case of additional questions about the business it could take up to five working days. 5. How will I know if my profile is verified? You will receive an e-mail notification with further information to your registered e-mail address. 6. From what countries clients can make payments? Swipe invoices as well as web payments can be paid from any part of the world.
Fund Withdrawal Swipe help recieving payments ar transfering recieved funds to merchants bank account easy with instant payments, automated withdrawals and one click refunds. 1. When am I charged a commission for services? Swipe fee is deducted when funds are requested to be transferred to your bank account. 2. What is the insurance deposit? Security deposit is an amount of money blocked by Swipe for 120 days by default to secure from possible liabilities. 3. When insurance deposit is applied? Security deposit is applied for merchants who are not registered as legal entities in Latvia. 4. What is amount of insurance deposit for rest of World? The amount of insurance deposit for other countries is 10% for 120 days. 5. How can I receive my funds from my Swipe account? You can receive funds by pressing "Receive Tomorrow" on your main account page or setting up an automatic transfer in Settings section. 6. Why is my transfer delayed? Most banks only process transfers on business days. Money sent on holidays or weekends may be available when your bank opens. 7. Is there an additional fee for money transfer to my bank account? No! There is no additional fee for money transfer from your Swipe account to bank account. 8. How can I set up an automatic funds transfer to my bank account? Automatic funds transfer can be enabled in the user setting or by pressing here. 9. I do not have the full balance of the payments received in my bank account after the transfer. Why is that? Swipe deducts fee for the service when funds are transferred to merchants bank account.
Data Export Bla-bla
Accounting Swipe is friendly also for accounting, giving the possibility of merging data exports with Swipe's functionality. 1. How do I integrate and synchronize accounting with Swipe? Swipe technical team leads all the integration process in terms of accounting. For further info please contact us, by pressing here. 2. In what format does Swipe export data about payments? Swipe can export data in any format upon your request.
RU
RU Introduction Invoices Subscriptions Payments Refunds Notifications API Security Payments Data Funds Account Types Non-verified account Verified account Verification Fund Withdrawal Data Export Accounting