Business Operation

FAQ NICEPAY Business Operation

47min

Customer Service & General



How to join or cooperate with NICEPAY?




How to and communicate with NICEPAY?




What business categories can use NICEPAY payment services?

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.



What are NICEPAY's advantages other than payment services?

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?




My business is from outside Jakarta or Java island, can I still join NICEPAY?

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.



How long is the request process from the start until Merchant can do the transaction?

It all depends on

 completeness document received. Usually,


takes 14 (fourteen) to 30 (thirty) workdays from

request,

, and

until


can perform


on


.



What type of services or payments can be used when cooperating with NICEPAY?

  • 
    
    (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).




Settlement, Bill, Reversal & Refund



Who will send the Settlement fund to the Merchant?





will receive

funds from

while


will receive

funds from

or


.



How to process funds Settlement between NICEPAY and Merchant?

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.



How to check the billing from NICEPAY for any transaction?

  1. Login to
    
    
    .
  2. 
    
    
    Settlement
    
    .
  3. 
    
    
    Settlement Report.
  4. 
    
    
    Data Type that is Settlement Data and Date that is on month from date one to
    
    end of
    
    month.
  5. 
    
    
    Excel Detail
    
    .
  6. An Excel file will be downloaded containing
    
    
    detail that already deducts fees (and
    
    ).


How to check the detailed transaction for the settlement fund received on the day from NICEPAY?

  1. Login to
    
    
    .
  2. 
    
    
    Settlement
    
    .
  3. 
    
    
    Settlement Report.
  4. 
    
    
    Data Type that is Settlement Data and Date that is today.
  5. 
    
    
    Excel Detail
    
    .
  6. An Excel file will be
    
    ed containing
    
    
    detail that already deducts fees (and
    
    ).


When do the Settlement funds from NICEPAY for transactions happen on the day will be received?

Sending

 fund depends on


. Usually executed on

working day.

Further detail

 could be accessed from


.

  1. 
    
    
    profile
    
    .
  2. 
    
    
    merchant data .
  3. 
    
    
    service info window, and choose a
    
    , example VA.
  4. Search
    
    settlement period. Information on that settlement periode column is how long
    
    
    fund will be sent.


What Banks can be used to receive settlement funds from NICEPAY?

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).


Why Reversal payment could be occured?

Reversal payment usually occur for



method. This occur because the VA


is successfully with the following condition:

  1. VA number already expired.
  2. Use the VA number that already paid and re-paid.
  3. VA number for payment already cancelled



How is the Refund process after Settlement on NICEPAY?

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





How long money will return to the Customer after I proceed the 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





When was the Refund transferred to the Merchant?

It will send together with



fund.

check

question regarding


detail check for


fund that was received on

day by

.



Is there a fee that must pay on the Refund transaction or Chargeback?

No, there isn't.

 isn't charged an additional fee on Refund transactions.





Safety & Fraud Prevention



Is using the NICEPAY payment service safe?



 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

.



To what extent does NICEPAY maintain the security of Customer information?

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.


What if a Merchant finds or receives a Fraud report?

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.


What should be done if there is a disclaimer from the Customer or the Bank (Dispute)?

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.


What happens if the disclaimer becomes a Chargeback, and what costs will be carried?

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


.





Payment Link



How to create Payment Link?



 visit Payment Link

to know further

about

.





Qoala Insurance



Why must buy Personal Accident Insurance through NICEPAY?



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.



How long does it takes for the first claim process?

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.



What is the deadline for submitting or reporting claims?

The maximum limit for submitting or reporting claims is 15 working days from

 date of

accident or incident.



What are the conditions for insurance that has expired?

  1. Coverage is canceled either by Qoala or
    
    Insurance Company or
    
    
    .
  2. The date on which
    
    
    requests insurance cancellation.
  3. The
    
    death date.


Can the insurance premi be refunded?

If



already buy insurance premi, that money can not be refund.