FAQs on iPay88 Online Payment Gateway

All orders placed by a consumer are subjected to an automated fraud screening routine. This routine automatically examines each and every order placed. Suspicious orders are reviewed by a trained member of iPay88 risk management team. These orders are canceled if they are deem fraudulent. If the order is susceptible to fraud, iPay88 risk management team will contact the store for further review and action.

Your products/services must be legal for sale in all states, provinces, and countries where you accept customers. As a general rules of thumb, whatever is illegal offline is illegal online.

LIST OF PRODUCTS AND SERVICES CANNOT BE SOLD via iPay88

• Pornography & Adult Content (included any Adult subscription service and chat)
• Pre-Adult Content - Pictures, Videos, etc. of Individuals Under the Age of 18 Years
• Firearms, Ammunition, High Capacity Magazines, Tasers, Air Guns
• Fireworks or Pyrotechnic Devices or Supplies
• Unapproved Drugs
• Gambling Transactions
• Replica and Name Brand "Knock Off" Products
• Time Sharing and Vacation Membership Card
• Tele-sales / Telemarketing
• Money Laundering
• Pyramid Scheme Program

Sites found to be selling banned products or services are subject to immediate account termination, frozen funds, forfeiture of funds, fines, and/or order cancellations, all without notice.

Please refer to e-commerce glossary.

If the buyer is stuck on the loading page for more than five minutes, it is most likely caused by the issuing bank server. The issuing bank server may be performing maintenance or having an service outage.

The buyer should allow 24 hours and try again and if the issue continues to contact their bank.

If the buyer does not know their password, then they will have to go through the "Forgot Password" process or contact the issuing bank. iPay88 cannot offer a solution to bypass this step.

The buyer can skip the password, but this is done by using a different card to make payment.

Almost every issue with 3D-secure will be related to the verification. There should be a "Help" link on almost every bank's 3D-secure page. This "Help" link explains 3D-secure, solutions to common issues and how to contact the appropriate bank.

iPay88 system is integrated with online reporting system. You can login to the report by entering ID and password (provided by iPay88) at the main page. In the report, you able to view:

• All transaction report (include transaction status)
• Daily sales
• Monthly sales
• Etc.

No extra charges if merchant request more than one payment option. iPay88 offers all in one online payment solution.

No. iPay88 transaction fee is inclusive of the bank and card company charges.

Yes, but only limited to Online Debiting Service and E-Wallet service. Transfer fee applied.

iPay88 cannot process Visa and MasterCard debit card at the moment.

The payout will be reimbursed via online fund transfer into merchant dedicated bank account. Additional charges (by bank) applied for online fund transfer if any.

The iPay88 Terms and Conditions signed by you clearly defines in detailed and separate articles, that iPay88 will transfer money back to you, defining the allotted time in which it is to be returned, plus any other relevant regulations. If iPay88 breaches the contract, you can take legal action immediately. Both iPay88 Sdn. Bhd (Reg No 726820-X) and Mobile88.Com Sdn. Bhd. (Reg No 521817-M)are legally registered company with a fixed address in Malaysia.

The iPay88 Terms and Conditions signed by you clearly defines in detailed and separate articles, that iPay88 will transfer money back to you, defining the allotted time in which it is to be returned, plus any other relevant regulations. If iPay88 breaches the contract, you can take legal action immediately. Both iPay88 Sdn. Bhd (Reg No 726820-X) and Mobile88.Com Sdn. Bhd. (Reg No 521817-M)are legally registered company with a fixed address in Malaysia.

Merchant is allowed to refund particular transaction to the customer and cancel particular transaction by inform iPay88 to do so. Transaction fee and other fees are not applied here.

Every merchant account only allowed processing certain amount (in MYR) in every individual transaction to minimize the risk. The transaction limit may vary for each merchants by looking at the merchant's business setup, business model, risk nature etc.

Yes, you can request by sending an official request to iPay88 by stating the vaild reasons. The final adjustment is subject to iPay88 Management Approval.

Merchant must write in to terminate the account with 30 days prior notice. If the merchant terminates the account, iPay88 will hold back all funds for 180 days until technical windows for charge-back is closed (to provide cover for possible charge-backs).

Chargeback is the forced reversal of a transaction by your customer's card issuer. Chargebacks are raised when iPay88 receive notification from their bank that your customer's card issuer has received a 'notice of dispute' from your customer.

The Merchant is responsible for all charge-backs as a result of disputes from their customer. The Merchant is strongly advised to keep records of every sale and delivery invoices (up to 18 months) to be produced as proof in the event of contesting against the chargeback claim.

No chargeback fees will be imposes to merchant. However, iPay88 will hold the said amount until the case is settled. If the merchant charge-back level exceeds 1% for consecutive 3 months, the merchant account will be terminated.

Yes. Merchant just pay additional MYR100 per domain name. If you power up your e-commerce store using webShaper, we have a special bulk discount for purchases for more than 2 domains. Contact sales@neowave.com.my for more information.