What does a merchant need to get started?
An Internet Merchant Account with any of the major national banks which offer online merchant services.
A merchant & terminal ID supplied by your bank, configured for the SecurePay Online Gateway.
If you need help obtaining these items, please contact our Customer Support Representative for assistance on 1300 786 756.

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.
SecurePay processes credit card transactions through Advance Bank, ANZ Bank, Bank of Melbourne, Bank of SA, Bank West, Commonwealth Bank, Challenge Bank, National Australia Bank, St George Bank, and Westpac Bank merchant accounts. If your bank is not listed here, please contact SecurePay for assistance.

What credit cards are accepted by the SecurePay gateway?
SecurePay accepts Visa, Mastercard, Bankcard, American Express, Diners Club, and JCB.

What payment options are available?
SecurePay offers solutions for online payments, pay-by-phone, call centres, direct debits, and more.

What are the hours of operation for the SecurePay system?
SecurePay's Payment Server runs 24-hours a day, every day, so businesses never miss a sale.

If a customer makes a payment by mistake, pays too much, or wishes to return an item, can a merchant refund the customer's money?
SecurePay allows both refunds and reversals through our gateway.
Reversals can be done for the full amount of a payment, any time before close of banking on the transaction's settlement date. Reversed transactions will not appear on your customer's credit card statement.
Refunds can be performed at any time, and can be a full or partial refund of the customer's payment. Multiple refunds may be performed on a transaction until the balance of the transaction is zero.
Refunds and reversals can be perforned through most of SecurePay's software, and for convenience, may be done online from our website's Secure Merchant Login facility.

Can SecurePay preauthorise funds on a customer's credit card for later payment?
Preauthorisation allows SecurePay to check an amount on a customer's credit card and reserve the funds if available. When required, another transaction is performed to capture the funds. The customer's bank will normally free up preauthorised funds which have not been completed within 7 days, making these funds available to the customer, and no longer reserved by the merchant.
Preauthorisation is available through SecurePay, but only through certain banks. Contact SecurePay to find out if your bank has this functionality.

What hardware/software do I need to offer online transactions through SecurePay?
Any Web/commerce server that conforms to the HTTP/1.0 standard (virtually every Web server currently operating) can utilize the SecurePay credit card gateway. All that is required is for the merchant Web site to incorporate a form into their final "checkout" page.

Is the customer redirected away from the merchant web site?
No. The SecurePay payment form can be opened inside a frame within the merchant's web site.

Does a company need to be registered as a Merchant with SecurePay to use its services?
Yes. Each business using the SecurePay service must be registered as a SecurePay Merchant.

What confirmation of payments will I receive from SecurePay?
SecurePay will send you an ASCII file to a nominated e-mail address every morning at 3:00 (EST). This report contains details of all transactions passed through the SecurePay Payment Gateway. If a merchant uses more than one SecurePay product (i.e. phone payments via IVR and internet payments via their website), transactions through all products are compiled into one itemised report each day.

What is the format of the Daily ASCII Report File? Does it match the format supplied by Australia Post?
The reports are fully customisable, and can contain any transaction details that SecurePay stores itself. We can insert header and trailer lines, as well as provide the total number, and total value of all transactions for the last 24 hours.
Australia Post has four different file formats, and all of these can be replicated by SecurePay.

Can SecurePay handle transactions originated outside Australia?
Yes. Just as anyone travelling overseas is able to pay for goods and services with their credit card, any cardholder with an appropriate card may make a payment using SecurePay. The transaction is conducted in Australian Dollars and the foreign currency conversion is then handled by the customer's home bank.

Does SecurePay perform instant online credit card validation?
Yes, the customer can expect to receive a response from their bank through the SecurePay system in real time.

Can SecurePay perform large batch validation?
Yes. SecureBatch allows a merchant to upload a list of transactions during the day, which will be processed at midnight that night.
The SecurePay system, however, eliminates the need for large batch validation, as the customer is able to pay for goods and services from the merchant in real time over the Internet.

What are the ongoing fees?
Just like every person is unique, every account we sell is unique to you and your business, therefore we can not state a price until we know more about the account you need. SecurePay offers fixed price fees for all our services. Call 1300 786 756 and ask to speak to a Sales Representative for charges pertinent to your situation.

What validity checks does SecurePay's software perform for me?
SecurePay's Client software checks basic field validity before sending a transaction to our Payment Server. We check that all mandatory data has been entered, as well as validity of fields such as the credit card number, expiry date, and amount. Merchants are not 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?
SecurePay encrypts all transaction details before sending them across the internet, so the details of the message cannot be seen by anyone except SecurePay's Payment Server.

My website does not have SSL (Secure Socket Layer). How can I use SecurePay's Online products and protect my customers' credit card details?
SecureLink is an HTML form which runs on a secure web server. You just post the required variables to our payment page, the customer fills in their credit card number in the secure form, and we redirect the response back to your site.

What level of encryption does SecurePay use?
SecurePay uses a 128-bit digital server certificate provided by VeriSign™. This level of encryption is currently considered realistically unbreakable.

Can I use my work PC to manually process payments on my customers' behalf?
If you have the customers' permission to take payments from their credit cards, SecurePay can provide you with our SecurePOS product, which is a light Java application which runs from any PC on any operating system with internet connectivity. Payment details are manually entered, and a response received in real time.