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What is International Credit Card Payment Gateway?

Payment Gateway is an interface between a bank's financial network system and the Internet. It is a group of server devices operated by a bank to convert data transmitted on the Internet into data within a financial institution or processed by designated third parties Payment information and customer payment instructions. Payment gateways ensure that transactions are secure and timely delivered between Internet users and transaction processors, without the need to modify existing host systems. It handles all Internet payment protocols, Internet security protocols, exchange of transactions, conversion of information and protocols, and local authorization and settlement processing. In addition, it can be set to meet the requirements of a particular transaction processing system. Without the payment gateway, online banking e-payment function can not be achieved. International credit card payment gateway, refers to the professional provision of international credit card payment bank payment interface. International credit card payment gateway is generally developed by third-party payment companies and banks to work together.

What is “WinToPay”?

“WinToPay” is a professional technical service product launched by Shanghai WinToPay Information Technology Co., Ltd., which is specialized in international card receipt payment technology service and solutions providers. Relying on VISA, MasterCard, JCB, AE and other international card organization and domestic acquiring bank channels, WinToPay opens up connections and information exchange channels between banks and merchants, merchants and foreign consumers. Committed to helping domestic and foreign cross-border e-commerce companies to solve technical problems such as technical docking, information exchange, international multi-currency and multi-language conversion, and risk control in international collection.

How does "WinToPay" international credit card payment channel work?

Premise: The merchant’s website has access to the "WinToPay" interface.
Process: 1: Buyers and sellers to reach cooperation through the network, and to pay by credit card.
2: The buyer submits payment request to the WinToPay payment gateway through the website interface or other means.
3: After receiving the payment request, WinToPay analyse the risk of payment information provided by buyers.
4: After risk-free assessment, WinToPay start debit request to requiring bank.
5: The acquiring bank throws the debit request and related information to the acquiring bank for charge through VISA and other card organizations.
6: Feedback : Success or failure with failure reasons.

Why choose WinToPay? What are its advantages?

(1)Secure
a: Protected fund: Firstly, we have professional risk control system and manual risk control team, at the same time cooperate with the risk management companies,which can avoid risky transaction and protect merchant’s fund safety. Secondly, we are payment gateway service connecting bank directly, bank audits gateway strictly, at the same time, bank protect merchant’s information. b: Certified system: With the industry's of PCI-DSS certification guarantees the merchant confidentiality, transaction information and system security and stability. c:Guaranteed transaction security: During the whole transaction, international SSL mandatory 128-256-bit certificate Encrpting data is fully used to ensure the security of information of cardholder and transaction.
(2)Reliable
a.With monthly, quarterly, and half-year package cooperation modes, merchants no longer worry about channel suspension or shutdown. b. High success rate: 80% to 90%, increase merchant order conversion rate and profit margin without worrying about order falling and fund loss. c.Multiple banks, various channel to guarantee stable collection. d.7*24 service, help you the first time.
(3)Convenient
a.Charge convenient: without time and regions restrictions b.Open Convenient: open the account within 1 working day c.Operation Convenient: intelligent operating system.

Which currency is supported by the WinToPay?

International mainstream currencies are supported, such as:US dollar, euro, Australian dollar, Canadian dollar, British pound, franc, Japanese yen, etc. During the transaction, the consumer's local currency can be directly deducted.

Which interface is supported by WinToPay?

We have developed targeted interfaces for internationally popular website-building languages (eg php, asp, .net, etc.) and international open source system programs (zen, cart, osc, magento, etc.). Merchants only need to upload to your web server according to the corresponding file directory, then install. At the same time, we also have professional technician to help merchants solve interface access problems.

How long does it take to open and access the channel?

After merchant provide complete information and go through the relevant procedure, generally, it can be opened on the same day. After opening, WinToPay will arrange the corresponding technical person to assist the merchant to connect to the interface. After the interface is connected, the merchant can start collecting money.

Is there any fee for settlement? Is there a single minimum or maximum limit?

No minimum or maximum restrictions of the settlement. While less than 5000 yuan will incur a transfer fee 5.5 yuan; more than 5000 yuan, without any fee.

Questions related to refund and charge back?

(1) Refund Process: The merchant can make full or part refund. The fee is not refundable when refund, because the bank has already calculated the transaction fee when each transaction is successful. However, no refund processing fees will be charged.
(2) Charge back process: The bank charge USD 20 for each charge back transaction.

How to open WinToPay international credit card payment channel?

(1) apply for business number. The merchant number is the unique number that the system automatically generates when the merchant applies on our official website. It is also an important business logo, which will be used be opened and during the use process , therefore please keep the number in mind. Application Address: https://www.WinToPay.com/newmerchantreg
(2) Sign the relevant service agreement, which is mainly composed of "WinToPay International Collection Channel Service Agreement" and "WinToPay International Collection Channel Application Form". After the merchant receives the electronic agreement, it will be printed out in duplicate and signed, thereafter be sent to our company by express or canning.
(3) Merchants pay to the designated account.
(4) Open channel. After receiving the payment, risk Control and Access Control Department to review the information provided by the merchants. If there is no error, the channel will be opened.
((5) Interface access. Arrange the corresponding technical person to assist the merchant to access the interface.
(6) Merchant start to collect.

What is “WinToPay”?

“WinToPay” is a professional technical service product launched by Shanghai WinToPay Information Technology Co., Ltd., which is specialized in international card receipt payment technology service and solutions providers. Relying on VISA, MasterCard, JCB, AE and other international card organization and domestic acquiring bank channels, WinToPay opens up connections and information exchange channels between banks and merchants, merchants and foreign consumers. Committed to helping domestic and foreign cross-border e-commerce companies to solve technical problems such as technical docking, information exchange, international multi-currency and multi-language conversion, and risk control in international collection.

How does "WinToPay" international credit card payment channel work?

Premise: The merchant’s website has access to the "WinToPay" interface.Process: 1: Buyers and sellers to reach cooperation through the network, and to pay by credit card. 2: The buyer submits payment request to the WinToPay payment gateway through the website interface or other means. 3: After receiving the payment request, WinToPay analyse the risk of payment information provided by buyers. 4: After risk-free assessment, WinToPay start debit request to requiring bank. 5: The acquiring bank throws the debit request and related information to the acquiring bank for charge through VISA and other card organizations. 6: Feedback : Success or failure with failure reasons.

What is International Credit Card Payment Gateway?

Payment Gateway is an interface between a bank's financial network system and the Internet. It is a group of server devices operated by a bank to convert data transmitted on the Internet into data within a financial institution or processed by designated third parties Payment information and customer payment instructions. Payment gateways ensure that transactions are secure and timely delivered between Internet users and transaction processors, without the need to modify existing host systems. It handles all Internet payment protocols, Internet security protocols, exchange of transactions, conversion of information and protocols, and local authorization and settlement processing. In addition, it can be set to meet the requirements of a particular transaction processing system. Without the payment gateway, online banking e-payment function can not be achieved. International credit card payment gateway, refers to the professional provision of international credit card payment bank payment interface. International credit card payment gateway is generally developed by third-party payment companies and banks to work together.

How does "WinToPay" international credit card payment channel work?

Premise: The merchant’s website has access to the "WinToPay" interface. Process: 1: Buyers and sellers to reach cooperation through the network, and to pay by credit card. 2: The buyer submits payment request to the WinToPay payment gateway through the website interface or other means. 3: After receiving the payment request, WinToPay analyse the risk of payment information provided by buyers. 4: After risk-free assessment, WinToPay start debit request to requiring bank. 5: The acquiring bank throws the debit request and related information to the acquiring bank for charge through VISA and other card organizations. 6: Feedback : Success or failure with failure reasons.

What is International Credit Card Payment Gateway?

Payment Gateway is an interface between a bank's financial network system and the Internet. It is a group of server devices operated by a bank to convert data transmitted on the Internet into data within a financial institution or processed by designated third parties Payment information and customer payment instructions. Payment gateways ensure that transactions are secure and timely delivered between Internet users and transaction processors, without the need to modify existing host systems. It handles all Internet payment protocols, Internet security protocols, exchange of transactions, conversion of information and protocols, and local authorization and settlement processing. In addition, it can be set to meet the requirements of a particular transaction processing system. Without the payment gateway, online banking e-payment function can not be achieved. International credit card payment gateway, refers to the professional provision of international credit card payment bank payment interface. International credit card payment gateway is generally developed by third-party payment companies and banks to work together.

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