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1 How do PayTech e-Commerce payment acceptance services work?

PayTech eCommerce service is an integrated payment transaction-processing service that allows your business of any size to securely accept credit card and debit payments anytime through eCommerce, mCommerce, mail order and call centre payment channels, at an affordable price in just days. With a single account, you can accept payment from ranges of credit and debit card of multi-currencies in various channels.
 Choice of currency: HKD, USD, CNY (RMB), JPY, EUR, GBP, SGD, PHP, etc 44 currencies.
 Method of payment: VISA, MasterCard, American Express, JCB, Diners Club Card, PPS, China UnionPay, AliPay, Yemadai, TenPay, PayPal and other Asia debit payments.
 Multi-lingual: Traditional / simplified Chinese, English, Korean, Japanese, Thai, French, German, Russian and Spanish, etc 10 languages
 
2 What kind of payment methods can PayTech e-commerce merchants accept?
PayTech merchants may accept world-wide credit card (VISA / MasterCard,American Express Card, JCB, Diners Club, China UnionPay, PPS and PayPal) payments.

3 Can a PayTech e-commerce merchant accept overseas credit card payments?

Yes, PayTech e-commerce merchants can accept VISA / MasterCard,American Express Card, JCB, Diners Club, China UnionPay, PPS and PayPal payments from around the world, regardless of currency.
 
4 In what currency does PayTech settle payments received by merchants?
Currently, PayTech e-commerce merchants can accept payments in HKD, USD, RMB and range of currencies of Asian countries. Holders of overseas credit cards may also shop at the site, and we settle the transactions in the selected currency. The issuing banks of such credit cards convert the payments into their respective currencies and charge the cardholders with such amounts. PayTech merchants DO NOT have to bear any foreign exchange charges.
 
5 How much do PayTech e-Commerce payment acceptance services cost?
There are only few standard chargeable items for a merchant. There is an one-off set-up charge, a small monthly service charge and transaction commission based on the payments received and a chargeback handling fee, but no other hidden charges. For details, please contact us at (852) 8199 9356.
 
6 Do I have to pay any charges to other parties besides PayTech?
For PayTech e-Commerce plan merchants, there is no addition fee charged by any party other than PayTech. For PayTech Premier plan merchants, the selected bank may levy its charges to the merchant. Please note that there may from time to time be contingent charges (e.g. refund processing charge), which may be collected by PayTech or our partner bank.
 
7 Do my customers have to register as PayTech Direct members in order to pay me?
No, merchants may choose to accept payments from any of your customers, by VISA / MasterCard,American Express Card, JCB, Diners Club, China UnionPay, PPS and PayPal.
 
8 Do I have to install a shopping cart in my web site?
We strongly recommend that, in order to operate e-commerce activities, web sites should have online catalogues that front their payment facilitates, which are known as shopping carts. Our payment services require possession of a shopping cart on the merchant side. (Please refer to our Technical FAQ session for other shopping cart related questions.). And, we are also pleased to offer our easy-to-setup and cost-effective shopping cart service to address your needs.
 
9 Do I need to have a web site before we can apply for your services?
Yes, in order to implement our services, a PayTech e-Commerce merchant has to own and run a web site. However, at the moment you apply for our services, you don't need to have a running web site. You may contact us when you have the site ready for publishing, or you may choose to apply for our services and at the same your site is being developed.
 
10 Can I become your merchant without a web site?
All PayTech e-Commerce merchants must have their own web sites. If you don't have a web site but would like to accept payments online for non-commerce purposes, you may sign up as our Silver or Gold member, and ask your payers to sign up the service before "Send Money" to you.
 
11 How long does it take to have my service application approved?
Normally it takes about 5-10 working days for an application to be approved, depending on the business nature and background, provided that the applicant has provided all necessary information and documents.
 
12 How long does it take to implement your services?
Normally, it takes about 1-3 working days to complete the implementation, given the merchant¡¦s web site meets our technical requirements. The extent of work largely depends on the complexity of your online application.
 
13 My company is not a limited company. May I join?
Yes, we serve sole proprietors, partnerships, limited companies as well as registered non-profit-making organizations. Other business set-ups are also welcome as long as they have proper business registrations.
 
14 My company operates more than one e-commerce site. Do I have to apply for multiple merchant accounts?
Yes, each PayTech e-Commerce payment services merchant account is offered for use at only ONE web site. Merchants should apply for an account for each of the sites they operate.
 
15 Does PayTech provide a recurrent billing service?
We have a valueadd Scheduled Payment solution service "PayTech SchedulePay" to merchants. Please contact us for detail information.
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