Frequently Asked Questions
What does a merchant need to get started?
An Internet Merchant Account held in a bank which offers online merchant services. We connect merchant and terminal ID supplied by your bank to the GPN DATA Online Gateway. If you need help obtaining the merchant bank account, please contact our Customer Support Representative for assistance.
What is the GPN DATA pricing?
All the pricing may vary based on individual evaluation. Please get in touch with our Sales Department to receive a quote.
What banks does GPN DATA cooperate with?
We cooperate with multiple banks around the world from Azerbaijan to United States. All that to provide best possible solution suited to your business, however due to discretion and trade confidentiality we cannot disclose the names of the banks.
How fast can I get boarded?
Best case scenario is 3-4 working days, however depending on the application documents and options needed this could be extended. A complete application with a full set of documents radically speeds the boarding time up.
Why is 3DS required?
One of our values is Security above everything. And one of the best security measures available in the Card Not Present environment is 3DS VBV by Visa and SecureCode by MasterCard. A separate explanation of the 3D Security transactions can be found Here.
Why do I need a Merchant Account?
A merchant account enables your business to accept credit card payments for sales or services.
Do I need to change banks?
No, unless the bank you currently deal with does not offer an Internet Merchant Account facility. GPN DATA can processes credit card transactions through an additional bank.
What credit cards are accepted by the GPN gateway?
What payment options are available?
GPN DATA offers solutions for online payments simply eCommerce, pay-by-phone Virtual Terminal/MoTo, recurring transactions and more.
What are the hours of operation for the GPN Payment Gateway?
Payments are accessible non-stop 24-hours a day, every day. However working hours for some of departments may vary.
If a customer makes a payment by mistake, pays too much, or wishes to return an item, can a merchant refund the customers money?
GPN Data allows refunds through our gateway. Refunds can be processed at any time, and can be done in full or partial amount of the customers payment. Multiple refunds may be performed on a transaction until the balance of the transaction is zero. Refunds can be performed through GPN DATA Merchant API and on GPN Data Secure Merchant Back Office website.
Can GPN DATA reserve funds on a customers credit card for later payment?
Our authorization and capture processing method allows GPN DATA to check a customers credit card for available funds and reserve them if available. PLEASE FIND A SEPARATE PAGE REGARDING THIS TOPIC.
What hardware/software do I need to offer online transactions through GPN DATA?
Any Web/commerce server that conforms to the HTTP can cooperate the GPN credit card gateway. We do also support some of the most frequently used ECOMMERCE CRM for the sake of easy integration.
Is the customer redirected away from the merchant web site?
No. GPN Data Merchant API form can be opened as an iframe on a merchants website, however for non-PCI-DSS compliant merchants we also provide a payment page, where in a secure environment of our servers a transaction can be processed.
Does GPN Data perform instant online credit card validation?
Yes, the customer can expect to receive a response from their bank through the GPN system in real time.
What are the ongoing fees?
GPN Data offers fixed prices for all our services, however fees may differ slightly depending on the merchant industry, risk qualification etc. Please Contact Sale Representative for information adjusted to your business.
What validity checks does GPN Datas software perform for me?
We check whether all mandatory data has been entered, as well as validity of fields such as the credit card number, expiry date, CVV/CVN. Merchants will not be charged for transactions which do not pass these basic tests.
Is it safe for my customers to send personal information, including credit card numbers, over the internet?
GPN DATA encrypts all transaction details before sending them across the internet, so the details of the message cannot be seen by anyone except GPN DATAs Payment Server. Also our valid and annually renewed PCI-DSS Certification proves the safety.
My website does not have SSL (Secure Socket Layer). How can I use GPNs Online products and protect my customers credit card details?
GPN PAYMENT PAGE is an HTML form which runs on a secure web server. You just post the required variables to our payment page, the customer provided required payment details, and is redirected back to your site.
What level of encryption does GPN DATA use?
GPN DATA uses a 128-bit digital server certificate provided by VeriSign. This level of encryption is considered realistically unbreakable.