FAQ NICEPAY Business Operation
In principle, all kinds of categories can using as long as it isn't prohibited by applicable Law, Regulator, , or Principal (for example: Visa and Mastercard, Indonesia, OJK (Otoritas Jasa Keuangan), and many others). We follow set standard from those sides for convenience of your and transactions with your Customers.
Other than comprehensive features and affordable costs, we are highly committed to prioritizing that can be dependable, friendly, and ready to serve complaints by giving responses and fast . We also had staff representatives from IT, Business, and Operational assigned to exclusive for each to communicate if there is trouble, request, or any other things to facilitate operational .
In terms of security, also has a and special team to detect Fraud potential that can minimize the loss potential on your . Enjoy best experience using .
My business scale is still small and doesn't have the legality of the company (PT), am I still able to cooperate with NICEPAY?
Of course, we provide collaboration facility as an that registration will be registered to through our intermediary, so /transfer of funds will be paid through to after performs /.
For this type of cooperation, we only need several documents and further verification to assists Merchants start accepting online payments.
As Merchants, we don't have a personal website/application for Customer transactions or ordering goods. Can I still use the NICEPAY payment service?
Our company had helped many Merchants throughout , even world. Our scope is not only concentrated in Jakarta or Java island. contact our Marketing team for further information.
It all depends on completeness document received. Usually, takes 14 (fourteen) to 30 (thirty) workdays from request, , and until can perform on .
- (Visa, Mastercard, JCB, AMEX, Union Pay).
- (ATM, Internet Banking, Mobile Banking, Banking, and Teller all ).
- (Payment without , suitable for without having any website or platform).
- (Alfamart & Indomart, available on more than 20,000 outlets).
- (Jenius).
- (OVO, DANA, ShopeePay, LinkAja).
- (Akulaku, Kredivo, Indodana)
- (Sending money to many destination account at the same time is effortless because using ).
- (Scanning QR code).
- (Registered card on GPN system).
will receive funds from while will receive funds from or .
If model used by is type, transaction funds will go directly to 's account after is successfully paid. will charge transaction fees (and ) to include deduct other funds (if any) sent by to . If model used by is type, then will represent in . funds will be received by from and already deducted from fees (and ) by and the funds become 's full rights.
- Login to .
- Settlement .
- Settlement Report.
- Data Type that is Settlement Data and Date that is on month from date one to end of month.
- Excel Detail .
- An Excel file will be downloaded containing detail that already deducts fees (and ).
- Login to .
- Settlement .
- Settlement Report.
- Data Type that is Settlement Data and Date that is today.
- Excel Detail .
- An Excel file will be ed containing detail that already deducts fees (and ).
Sending fund depends on . Usually executed on working day.
Further detail could be accessed from .
- profile .
- merchant data .
- service info window, and choose a , example VA.
- Search settlement period. Information on that settlement periode column is how long fund will be sent.
All Banks can be used. waives cost of sending funds if chosen are:
- Mandiri, BCA, BNI, CIMB, BRI, Danamon, Hana, Syariah Mandiri dan Maybank.
- Outside list, will get charged IDR 5.000 for every transfer for SKN (under IDR 500 million) or IDR 30.000 for RTGS (above IDR 500 million).
Reversal payment usually occur for method. This occur because the VA is successfully with the following condition:
- VA number already expired.
- Use the VA number that already paid and re-paid.
- VA number for payment already cancelled
For type, where account legally connects directly to and receive fund straight from , n if there are any refund, it is commonly deducted automatically from side.
However, for type, where ID registered through , then team will send a to with fund deduction to according to agreement agreed by both parties.
If the total refund billing over the total fund to be settled, the the refund billing will be continued into the nearest Settlement cycle later. So there will be no Settlement fund received by Merchant until that total refund billing paid off.
Payment Method | Refund Process |
|---|---|
, , , , and | The initiation of refunds by through owned by or using available Cancel. Refund will be ed by related instance such as or so refund will be receive directly by the 's . |
and | No Refund |
There is a difference in time needed to refund money to s after Refund . The Refund time during Refund depends on chosen during .
Payment Method | Refund Time Range |
|---|---|
and | 7-14 workdays |
, , and | 1-3 workdays |
| 14-30 workdays |
and | No Refund |
It will send together with fund. check question regarding detail check for fund that was received on day by .
No, there isn't. isn't charged an additional fee on Refund transactions.
is one of services with standard security and an up-to-date Fraud prevention . We also implemented some detection techniques for Fraud prevention supported by FDS (Fraud Detection System) and Risk Management team to ensure security and convenience of s through .
As the provider, owns data security certification PCI DSS (Payment Card Industry - Data Security Standard) level 1, which is highest level of data security standard for s, cardholders of s, ATMs, Debit, even e-money. This certificate proves that commits and complies with standard security of card processing ecosystem and includes devices in it.
I experienced a Fraudulent act from someone through a transaction using NICEPAY, how do I report this?
- Transaction data (name, email, location address, total , telephone number).
- Proof of ( receipt, invoice, etc).
- Fraud chronology.
- Reporting of complaints to or related instances.
- Police reporting.
Here are the useful steps can do:
- Confirm to analyze thoroughly from user , user character, type of purchase item, type of used , history, and many others.
- If there is a possibility to Fraudulent , block user account as soon as possible to prevent a repeat . If there still can hold item sending to destination address.
- Input into blacklist, such as: User Name, Email ID, Credit Card Number, Device ID, and many others.
- For security purpose, don't give confidential to outsiders without any written order. Example: Police reporting or authorized instances.
- Prepare with technical and non-technical improvements also close gaps that fraudsters could exploit as crime targets.
- Always open to cooperates with related instances, for example Gateway (NICEPAY), , regulator, and many others, enable exchange regarding recent fraudulent acts that generally occur in same industry.
Dispute is common thing happen in online transactions using . It happens because online transactions are done without physical verification activity to view authenticity of . So, allows a mediation between cardholder and to prove whether both sides have trading activities properly. Therefore, if receives a dispute report, here is following steps need to be done:
- Give complete detailed , for example, user , home address, billing address, delivery details, invoice, etc.
- If needed, you might send picture to strengthen document.
- Enclose TNC, disclaimer, or terms to .
- Proof that already used additional security protection such as 3Ds facility, OTP (One Time Password), and many others.
Chargeback happens if Principal where Visa or Mastercard state all document given by can't support dispute done by cardholder.
If there is a Chargeback, must pay or return a amount disclaiming to holder. However, in this case, there is no additional fee charged by to .
visit Payment Link to know further about .
s can save time because purchase is made at same time as , besides that price for a personal accident insurance policy is relatively cheap at IDR 1,000 and protection is up to 30 days. and Qoala are committed to providing new innovations in order to increase satisfaction and as added value for users and on other hand expand access to insurance that suits people's needs.
The claim submission and will be carried out within a maximum of 30 working days from time insurance is purchased and ed from time claim documents are complete.
The maximum limit for submitting or reporting claims is 15 working days from date of accident or incident.
- Coverage is canceled either by Qoala or Insurance Company or .
- The date on which requests insurance cancellation.
- The death date.
If already buy insurance premi, that money can not be refund.