PayMoney Secure Online Payment Gateway
- It is very difficult to remain thousands of miles away from the people you love & care a lot. But it should not be difficult to send money to your nearest & dearest ones. Hopefully, it will be easier now to pay money. pay money is an online payment gateway that ensures smooth and secure transaction from the pre-payment to the pay-out process.
- pay money is a much simpler & convenient way to send money online rather than going to the bank or other ways. Just follow the PayMoney documentation to get started.
- It will help to keep your account more secure & reliable. Enjoy safe online payments through pay money. This system is similar to larger payment services like PayPal or Stripe.
- You can deposit money in few minutes with multiple currencies and multiple payment gateways like PayPal, Stripe, CoinPayments, and much more.
- The main features of the application – Deposit, Payout, Transfer, Exchange, Request Payment, Ticketing system, Revenues, Merchants, Merchant Payment, etc. If a user has any claim against any payment, he/she can claim to the defendant using Dispute.
username : firstname.lastname@example.org
password : 123456
username : email@example.com
passwrod : 123456
username : firstname.lastname@example.org
passwrod : 123456
Stripe credentials (Deposit)
Card number : 4242424242424242
MM/YY : 12/29
CVC : 123
PayMoney Secure Online Payment Gateway Features
Registered users can make deposits into pay money. With our system payment methods, users can do a deposit. Users can select in which Wallet they want to deposit the amount.
It is possible to transfer money to any registered or unregistered users. Unregistered users can see their money once they signup. Admin can block, a refund for any illegal issues.
Registered users can request money to any Registered or Unregistered users. The request receiver has the option to approve the request or cancel it.
By pay Money, the user can exchange any currency ‘From wallet’ to ‘To wallet’. Can set exchange type as Local/API. Based on each currency exchange rate, the amount will be converted and added on user wallets. Admin can see details about the exchange in Currency Exchange.
Currently, we have 7 payment methods to deposit money – PayPal, Stripe, 2Checkout, PayUMoney, Coin Payments, Bank & Payeer. From Currencies->Payment method, admin can activate/deactivate payment methods.
Easily withdraw money from accounts. PayPal /Bank, how you want to pay out your money? You have to set the Bank details in settings at first or if it is PayPal just put your PayPal email address to payout money.
The fixed amount charge & charge percentage is revenue in the PayMoney system. For transaction types each currency, admin can set a few amounts of charges from fees that will separately show in Revenues in the admin panel. Only admin can see revenues.
Roles & permissions
As the owner of this site, you can add other users as admin providing permission to specific role.
Admin can add default groups for site users. For group users, admin gives specific permission to each group. For example, Users may apply to be Merchant and admin can change his group to Merchant providing extra permission.
From settings-> preferences, admin can set Time zone, Date format, Money symbol, Thousands separator.
Admin can see each user’s login activity from activity logs.
Fees & Limits
Fees & Limits are the combinations of currency and payment methods (Deposit, Transfer, Payout, Request payment & Exchange.). Fees are applicable as charge percentage & charge fixed where the limit is the combination of minimum limit & maximum limit.
Users can create merchants via this system. We have two types of merchant- Standard & Express.
In PayMoney Standard type users can create merchants and generate merchant payment forms. By this form, the user will get the pay now option & do payment to the merchant.
PayMoney Express Checkout gives your buyers a simplified and secure checkout experience using API that keeps them local to your website or mobile app throughout the payment process.
Users can contact a merchant through a Dispute option if the user has any claim about their product. The administration can take action (Approved or Reject) discussion on both parties.
The ticket system is a better way of dealing with customers about their issues where users can report or ask questions on various issues. If you have trouble with the site or program, you can use this option as help.
Email Templates & settings
To send mail we have a dynamic email template which is changeable too. If you want you can change the template. It also supports multiple languages.
We have two E-mail sending protocols. You can send an email via SMTP and another one is the default, send mail option.
2FA is an extra layer of security used to make sure that people trying to gain access to an online account are who they say they are. It is used to control access to systems and data from hackers.
2FA is allowed for By email, By Phone & By Google Authentication.
By email & phone: When you verify for email, a 6-digits code will be sent to your email to verify your email address. By phone, the verification process is the same as the email processing system.
By Google Authentication: Set up google authenticator app into your mobile phone before continuing, otherwise, you will be unable to verify. Then scan QR code from your systems via phone & enter the 6-digit OTP from your app.
Email verification services help you to protect your account. This process is helpful in confirming that an email address is valid or not. The system automatically send a verification code to the email address used to sign up for the account.
Manual Deposits & Payouts
Manual Deposit can possible by payMoney system. Admin can manually Deposit/payout for any individual users.
Know your customer (KYC)
It is the process of knowing your customers. It helps to verify the identity of any clients either before or during the time you start the business with them. KYC allows companies to protect themselves by ensuring that they are doing business legally or not, and it also protects the individuals who might otherwise be harmed by financial crime.
There are two types of verifications-
- Address verifications
- Identity verifications
Address verifications: Go to the user profile and upload the appropriate file for address verification. If admin approves it, it will display ‘Address verified’ in users list in the admin panel and also in a user profile in the user panel.
Identity verifications: At first, from user panel select the identity type & provide your necessary credentials. When an admin approves the user identity, it will show ‘Identity Verified’ in users list in the admin panel and also as in user profile.
During each transaction, the admin will get an email as a transaction notification. Admin will be able to set individual admin emails for individual transaction types (Deposit, Send, Request, Payout, Exchange, Payment).
To receive email notifications, the admin must configure the notification settings from the notification settings option. Admin can assign anyone (set email) for each transaction type.
User Status Change: Admin can change user status to Active/Inactive/Suspend.
Active: Users can do all types of activities from his/her panel.
Inactive: Users can’t log in to the system. While going to login into the system a message will appear to the user that he/she is inactivated.
Suspend: Users will be able to login to the system, but they can’t do any type of transactions (Deposit, Send Money, Request payment, Exchange, Payout, Merchant payment)
Send/Request Money via the Phone number
Users can Send/Request money via user phone number ( Registered or unregistered users). While the transferred amount or send a request to a user phone number, users get SMS on their mobile number.
WooCommerce Plugin Settings
Go to Settings-> Enable Woocommerce, put the woo-commerce plugin purchase code. After verification, if the purchase code is valid admin can upload the woo-commerce plugin file.
CryptoCurrencies: We have used Block.io (https://block.io) payment method for cryptocurrencies. Block.io supports 3 currencies- BTC, LTC & DOGE (and their TESTNETS!). Cryptocurrencies can be sent and received from Pay Money. Users can send cryptocurrency to any valid crypto wallet address. Admin can send and receive cryptocurrencies from users too.
Twilio SMS Gateway: Now, you will get an SMS message through Twilio SMS gateway. To configure it, go to Settings->SMS Settings, put the Twilio credentials & activate it.
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