FAQ

I'm interested in accepting PayEasy online payments. How do I get started?

PayEasy is a consumer-to-merchant payment system. We do not offer consumer-to-consumer payments. As a merchant, you should have all the necessary business permits (eg. DTI, SEC) ready. Contact our sales for a detailed evaluation of your requirements. Download and fill-up the merchant application form here.

Are there different types of merchant accounts that I can choose from?

Depending on the types of products or services you are offering, as well as, your target market, you can choose from either our different plans.  We do support credit cards.  However, this is still subject to PayEasy and the merchant acquiring bank's evaluation of the merchant's business model and risk profile.

What are the fees involved to be a merchant? Are there recurring/service fees?

We have different plans catering to different merchant requirements. Visit this page for more details. Feel free to contact us for any clarifications.

As a merchant, I don't want the hassle of having to deal with credit card chargebacks. What are my options?

You can open an online store using our PayEasy Lite or PayEasy Basic plans. These plans do not support credit cards and limit the payment options to only those with no chargeback provisions.

How do I integrate PayEasy into my e-commerce site?

PayEasy offers several forms of integration depending on your requirement and technical capability.  Options range from the simple Cart and Mail integration model to the more powerful Standard interface.  Visit the integration section in this link to know more about the available options.  If you are still unsure, feel free to contact us and discuss your requirements.

When or how often does PayEasy transfer funds to merchants?

PayEasy transfers funds to merchants on a monthly basis. The cutoff is the end of the calendar month and the money will be transfered within 5 business days. However, PayEasy is open to negotiating a more frequent schedule provided the transaction volume is large enough.

How does PayEasy transfer funds to merchants?

Depending on arrangements with the merchant, PayEasy may issue a check (PhP) or deposit the funds to the merchant's local Peso savings account.

Does PayEasy support any other currencies aside from Philippine Pesos?

Yes, PayEasy supports US Dollars(USD) for credit card, Paypal, and international direct bank debit transactions. PayEasy can accept other major currencies (ex. EUR, GBP, CNY) from the buyer, but it will be converted to the equivalent USD for settlement with the merchant. For Wallet transactions, only Philippine Peso (PHP) is supported. Merchants may choose to have their USD transactions transferred to them in USD currency (subject to wire transfer charges) or convert them to Philippine Pesos (based on bank exchange rate at the date of transfer) if they do not have a local USD savings account or do not wish to pay for the transfer fees. PHP transactions may not be converted to USD.

Does PayEasy require a deposit from merchants accepting credit cards and PayPal?

PayEasy normally does not require merchants to make an up front deposit if they wish to accept credit cards payments.  However, in certain cases wherein merchant's business model is deemed of higher risk, or if merchant requires a credit limit higher than that normally assigned, a security deposit may be required.  For majority of the cases, in lieu of a deposit for PayEasy Basic Plan users, there is a hold of 25% of your monthly revenue as security against credit card charge backs or contested billings from products/services sold by the merchant. This amount will be released after 30 days, as part of of your monthly settlement.  For Enterprise Plan users, there is no hold.

Is there a minimum amount per transaction if a merchant uses PayEasy?

For transactions using PayEasy Wallet, there is no minimum amount per transaction. For credit card transactions, the minimum amount is USD12. If the merchant wishes to accept transactions for less than USD12, the 6% per transaction fee will no longer apply. Instead a fixed rate of US$ 0.72 per transaction will be charged.  Because of the transaction fees involved, some payment options under direct bank debit may not appear for transactions with very low value.

As a PayEasy merchant, can I let my customer enter credit card or paypal information directly?

PayEasy is available in "Direct" mode. With PayEasy Direct, you can have customers pay you directly without having them open an e-Wallet account first. PayEasy Direct is not available for all merchants and requires more technical knowledge in integration. Please contact our sales people to evaluate whether you can avail of this option.

What are the documents needed to apply for a merchant account?

Merchants should have basic business papers (DTI or SEC). business permits (ex. Mayor's Permit), and proof of billing from a utility company (ex. phone, electricity).  We may also require the merchant to present its last 3 months of bank statement.  For Enterprise Plan users, audited financial statements are required.

Where do I get the username and password required to login to the Mozcom PayEasy site?

Signup for an account.  The username and password is the email and password you provided during signup.

Are there additional charges that are incurred if I pay using PayEasy?

Yes, depending on the amount and type of funding, you may be charged a minimal amount.  All such charges will be clearly displayed on screen and will not be charged without your knowledge.  Fundings through mobile may incur regular SMS charges.  Please check with your mobile service provider.

I accidentally clicked the payment button several times. Will I get billed several times also?

PayEasy will only allow you to make one online payment within a span of five (5) minutes. This is to safeguard accidental multiple postings.

Why do I need to enter a code during registration?

By entering the code you see in the box, you help to prevent automated registrations. This reduces system loads and ensures better performance of PayEasy services.

What Anti-Fraud measures are in place?

You can only fund your wallet a maximum of 3 times a day and there should be a minimum of 5 mins. between fundings. Invalid and rejected funding transactions are recorded and limited to 10 transactions per day before the system will lock you out. You can only make a maximum of 3 payments a day. There is a minimum of 5 mins. between payments. Invalid and rejected payments are recorded and limited to 10 payments per day before the system will lock you out. To limit the possibility of online fraud, certain countries may be disallowed from accessing PayEasy.

Can I see a list of all my online transactions?

Yes, just logon to PayEasy. Your list of online transactions will be listed in the acct info page.

What safety measures has been taken to ensure the security of my information? Who has access to my confidential information?

We have implemented a variety of security measures to maintain the safety of your personal information. This information is contained behind secured networks and is only accessible by a limited number of employees who have special access rights. When you place orders or access your personal information, we offer the use of a secure server. All sensitive/credit information supplied by you is transmitted via 128-bit Secure Socket Layer (SSL) encryption technology and securely stored in our payment gateway's database. SSL is the universal standard on the Web for authenticating Web sites to Web browsers -- it is a highly sophisticated process that scrambles your data as it travels from your computer to our Web site's servers. This is the same system used by the leading e-commerce Web sites in the world like Yahoo and Amazon.com.

Can I "undo" a payment should I change my mind?

At this time, no. However, if a purchase was fraudulently made on your behalf, the normal chargeback procedure will apply.

Can I share my account with somebody else?

We do not encourage this practice. In addition to giving someone else access to your credit, sharing your account may cause billing disputes if you are unaware of purchases made by the person you are sharing your account with.

Can I use PayEasy to send money to another PayEasy user?

No, PayEasy is purely a consumer-to-business (C2B) service.  We do not provider consumer-to-consumer (C2C) services such as remittances.  Only duly-accredited PayEasy merchants may receive payments from PayEasy consumers.

Can I make payments outside the Philippines?

Yes. For Philippine users who are physically overseas, you can use your Philippine-issued credit card, PayPal or ATM debit card to make payments. Mobile payments like Globe G-Cash or Smart Money are generally not available when outside the country as they require SMS transmissions which may not be routed to a foreign mobile phone company's network. For foreign customers, you can use your international credit card, PayPal or supported bank account to make a payment to a PayEasy merchant.

Will I receive an official receipt for my online purchases?

When making purchases from a PayEasy merchant, you should ask for a receipt from the merchant whom you bought the products or services from. PayEasy will only send you a confirmation email. For Globe G-Cash fundings, you will receive a text message confirming the funding with a Transaction Reference Number, save this for future reference. PayEasy will be storing the Globe or TM cellphone number and Globe G-Cash transaction number along with your funding details to eliminate the possibility of any billing