Have a look at frequently asked questions & answers to understand more.

General Questions?

eSecurePay has been processing internet payments since 2014, and many of our merchants have been with us since our inception.

The first place and best way is to use the form on our Contact page.


For general inquiries, please email customer service at support@esecurepay.net
For sales inquiries, contact support@esecurepay.net

Yes, in many cases our merchants will offer both electronic download and physical delivery of products or services from their sites.

No. You may have a website in which ever country you wish. You will simply be hyper-linking to us for the secure, on-line credit card processing, so whether your site is across the road or halfway around the world makes no difference to us!

eSecurePay customer service and sales departments are located in the India.

Merchant Account FAQ

A merchant account is a special type of bank account used by a merchant or business necessary for them to process credit and debit card transactions in a variety of ways: Online, over the phone or through the mail. A merchant account operates under an agreement between the merchant, the payment processor or independent sales organization (ISO) and acquiring bank in settling credit or debit card transactions.

Yes and no. The answer really depends on your industry. Instabill works with multiple acquiring banks and some are able to provide merchant accounts to businesses that have no processing history.

The fees you will pay for an Internet merchant account will vary based on your provider. Some merchant account providers charge an application fee and setup fees as well as monthly fees, including gateway access fees, service fees, AVS fees, and statement fees. You should expect to pay per-transaction fees, including a fixed transaction fee and discount rate. Read about eSecurePay’s merchant account fees.

Once you finish integrating your website with your bank’s payment gateway, email your account manager with your business name and Merchant ID (MID) Number. After we review your website, we will active your merchant account and notify you via email when it is complete.

As long as the websites pertain to the same industry and your eSecurePay account manager approves the additional websites, you can link as many websites to your merchant account as you wish. However, if the industry is significantly different from the originally approved website, you cannot use your merchant account to process credit cards for that site.

This depends on your industry type. eSecurePay’s banking partners that provide merchant accounts like to see processing volumes of at least $5,000 USD per month, but each industry has different standards.

No. Merchants processing with eSecurePay can sell goods or services to consumers worldwide.

Yes, you can! eSecurePay serves e-commerce and MOTO merchants worldwide. However, if you are looking for a retail merchant account and POS terminal, we can only provide them to U.S. merchants.

The eSecurePay payment gateway supports more than 160 different currencies, including USD, GBP, and euros.

The maximum dollar amount on each transaction is determined by your acquiring bank. Many banks have a $1,000 to $2,000 limit while others may not have any restrictions at all.

Yes and no. If you have a domestic merchant account with eSecurePay, then you will most likely have a monthly volume cap. For this reason, we encourage merchants processing high monthly volumes to establish offshore merchant accounts that have no volume caps.

Free merchant accounts are a deceptive marketing ploy or a straight out scam. Most advertisements for free merchant accounts typically entail a free application and no setup fees. However, you will still have to pay processing fees, including a fixed transaction fee and discount rate, and monthly service fees, including payment gateway access fees and statement fees.

Not only can your eSecurePay account manager help you establish an offshore merchant account, but he or she can also help you incorporate your business offshore. With an offshore merchant account, your business will benefit from the same tax requirements as the offshore jurisdiction, oftentimes meaning little or no taxes at all. Read more about offshore incorporations.

Merchant Account Glossary of Terms

ACH (automated clearinghouse)ACH, the Automated Clearinghouse, is the electronic network that processes large batches of electronic checks and payments with settlements taking 2-3 days. Examples of ACH payments include the direct deposit of your paycheck, cyclical automatic payments of bills to vendors as well as direct debit payments. The organizations that use the ACH network settle and clear through the automated clearinghouse.

Acquiring Bank

An acquiring bank is a financial institution that provides merchant accounts and processes credit and debit card transactions on behalf of a merchant. A merchant account is a certain type of bank account which allows you to accept credit cards. All merchant accounts must be sponsored by an acquiring bank that is a member of the card associations (Visa, MasterCard, American Express, etc…). They are responsible for depositing the funds into your checking account.

Address Verification System

An address verification system is when, during the authorization of a credit card transaction, the issuing bank compares the cardholder’s address on record with the cardholder’s billing address (number, street, zip code).

Approval Code or Authorization Code

The six-digit code sent by the credit card issuing bank to the merchant upon the approval of a transaction.

Authorization & Settlement

Authorization is the process of verifying there is available credit in the card holder’s credit card account. A positive authorization reduces the cardholder’s available credit and reserves the funds for settlement. A negative authorization means there is not sufficient credit. Settlement is the process of deducting the funds from the card holder’s account.

Bank Card

A credit card issued by Visa or MasterCard is called a bank card, because it is issued by a bank through Visa and MasterCard. Credit cards from American Express and Discover are issued directly to the credit card holder.


An assembly of one day’s worth of transactions. Rather than combining batches throughout the day, terminals and payment processors assemble all the day’s transactions and submit a batch at the end of the day.

Batch ID

Once a batch is complete, it receives a batch ID number. Every transaction in the batch shares this number. If a transaction does not have a batch ID number, the transaction has not been settled.


Capture occurs when a credit card transaction is submitted for settlement. Authorized credit card transactions must be captured and settled for a merchant to receive his/her funds.

Card Holder

The owner of a credit card during a sale is also known as the card holder.


A demand by the credit card provider for a retailer to make good on the loss in a disputed or fraudulent credit card transaction. Successful chargebacks by consumers results in chargeback fees assessed to the merchant.


Clearing is the exchange of financial transaction details between the acquiring bank and the issuing bank to facilitate posting of a cardholder’s account and reconciliation of a customer’s settlement position. Clearing and settlement occur simultaneously.

Credit card

A plastic payment card issued to consumers (card holders) as a way of paying for goods and services. Credit cards come with a predetermined spending limit and expiration date.

Currency conversion

The comparison, or ratio, on which one country’s currency can be exchanged with another country’s. For example, one U.S. dollar would convert to 0.89 Euro. In a transaction, the currency is converted into that of the issuer.

CVC2 (card validation code 2) & CVV2 (card verification value 2)

The CVC2/CVV2 is a three-digit security code that is found on the reverse side of a credit card. It appears in reverse italics above the signature panel at the end. This security program – started by Visa and MasterCard – ensures the cardholder is in possession of the card during a transaction. American Express has a four-digit security code on the front of the card while Discover Card’s three-digit code is similar to that of Visa and MasterCard.

Debit card

The card used to complete a bank account withdrawal directly from a cardholder’s bank account. Unlike credit card purchases, debit card transactions are deducted automatically from the cardholder’s bank account.

Decline Database

A secure database containing bogus credit card numbers: fraudulent, stolen and those involved in chargebacks. When a credit card number has been placed within our ‘declined’ database, they are voided for future use with any eSecurePay merchant.

Discount Rate

A small percentage an acquiring bank charges a merchant for the right to use their merchant account.

Electronic funds transfer (EFT)

A paperless transmission of funds originating from a terminal, computer or telephone.

In-House Credit Underwriting

When the merchant account provider (ISO/MSP) underwrites and endorses merchant accounts within their own company (in-house).

Integrated Fraud Management

The process of checking card validity by utilizing either of the following tasks:

Comparison it to previous purchases
Address Verification System Report
Internal decline database
Fraudulent shopper behavior patterns
Internet Merchant Accounts

A type of bank account that allowing merchants to accept credit card payments online that, unlike traditional merchant accounts, do not require a cardholder’s signature. Because a signature is not necessary, internet merchant account businesses are typically classified as having a higher risk profile.

Internet/MOTO Merchant

A merchant that accepts credit cards online, by telephone or through the mail.

Issuing Bank

The bank that issues the credit card to the customer and transfers funds to the seller’s merchant account when the card is utilized by the customer. The issuing bank then debits the cardholder’s credit card account for the amount of the purchase.

Mail Order/Telephone Order (MO/TO)

Transactions initiated by a consumer using the telephone or postal service instead of retail terminals or online.


A retailer, company or corporation that accepts credit cards as payment.

Merchant Account

A type of bank account used to receive the proceeds of credit card transactions. The merchant’s bank is responsible for taking payment from the consumer and depositing them into the merchant account.

Merchant Bank

The bank that provides merchant accounts to businesses and merchants, thereby giving them the ability to accept credit cards. The merchant bank is the same or similar to an acquiring bank.

Merchant Provider

Often referred to as a payment service provider, a merchant provider is third-party company providing merchant accounts to merchants. Merchant providers, such as eSecurePay usually have partnerships with different banks that operate merchant accounts.

Merchant providers either have their own system of validating and processing transactions, or they serve as third-party resellers of processing systems.


MID is an acronym for merchant identification number, a number assigned to a merchant to identify the merchant to the ISO, payment processor and acquirer.

Monthly Minimum

Monthly minimums refer to the minimum monthly amount a merchant must pay in discount rate fees. If the merchant’s monthly sales result in his paying discount rate fees greater than or equal to the agreed-upon minimum monthly amount, no further fee is required.

If the merchant’s monthly sales result in his paying discount rate fees less than the agreed minimum monthly amount, the merchant is responsible for making up for the deficiency.

Payment Processor

A company, such as eSecurePay, that performs the actual processing of a payment – a credit card, ACH or MOTO transaction – separate from the merchant account or acquiring bank which merely acts as the recipient of the transaction proceeds.

PCI Compliance

The Payment Card Industry Data Security Standard (PCIDSS), formed in 2006 by MasterCard, Visa, American Express and Discover, oversees the Payment Card Industry. PCI compliance is a series of requirements to which merchants must adhere to earn the distinction ‘PCI compliant.’ PCI compliance protects consumer information during the processing, transmission and storage of cardholder data.

PIN (personal identification number)

A private code, usually four digits, that allows the credit card issuer to authenticate the cardholder in a credit card transaction. The cardholder enters the PIN into a PIN pad. The PIN is required to complete an ATM/Debit card transaction.

Point of Sale Terminal (POS)

The physical machine that enables a merchant to swipe or insert a credit card to facilitate a transaction. POS machines are mostly common in retail stores and environments.

Prior Authorized Sale

A transaction for which authorization was received at a prior time.

Processing Gateway

The gateway which automatically collects the details of a transaction and transmits them to your acquiring bank. The processing gateway allows for automated real-time processing. Examples of such include Cybercash and Authorize.net

Processing Solution

A payment solution – whether it be a POS terminal, software or virtual product — which enables the merchant to transact with his merchant account and payment processor, for the purpose of verifying and approving payment transactions.

Real-Time Processing

Credit card processing performed in real time and online while the consumer is still viewing the website.

Recurring Transactions

A repeated transaction – used in subscription services – in which the cardholder has given a merchant permission to periodically charge the cardholder’s account. An example of such could be Netflix, a magazine subscription or a predetermined, recurring bill payment.


An alert message displayed on a point-of-sale (POS) terminal when electronic authorization is denied and must be authorized by calling a voice authentication center.


A percentage of a merchant’s funds in a merchant account held by the merchant account provider as security for future contingencies, usually chargebacks and returns. Reserves are usually required only from certain high-risk merchants.

Secure Socket Layer (SSL)

A secure internet standard practice which ensures cardholder information is safe during the online payment process.


The process by which authorized transactions are sent to the processor for payment to the merchant.

Smart Card

A plastic card, similar to a gift card or prepaid card, with a computer chip that can contains a dollar amount available for all purchases.

TID (terminal ID)

The unique number given to a credit card transaction device (such as a POS terminal), identifying the merchant’s equipment to the processor and bankcard data transmission networks. A TID is also used to identify other software applications such as payment gateways.

Transaction Fee

A per-transaction charge – such as $1 or as low as $0.25 – that a payment processor imposes on merchants for each processed transaction.

Travel and Entertainment Card

Credit cards that prohibit consumers from carrying a balance, that usually require payment in full each month. Examples include American Express, Discover Card, Diners Club International, etc.

Virtual Terminal Processing (VT)

A telephone or mail-order transaction after which the credit card processing is completed online by the merchant. The consumer gives his credit card details with the merchant, who processes the orders manually at a later time.


When a transaction is authorized, but later reversed before settlement. Settled transactions require processing of a credit in order to be reversed. A void does not remove any hold on the customer’s open-to-buy.

Payout Questions?

Any customer that inputs a transaction for approval will be assigned a sequential sales order number from our system, whether they are approved or declined. Emails are sent automatically to the merchant. In addition, if you lose an email or unable to retrieve it, our online merchant accounts reports capture all information about the transactions stored by sequential sales order #’s. That way you will see any order you are missing.

All credits/refunds are handled by eSecurePay. These will occur if the merchant accounts holder is unable to deliver a product or service, has over-charged or agrees to refund a customer. Details about the transaction are sent to eSecurePay and we will process a refund/credit to the cardholder. A credit or refund can only be done for a transaction processed through our system. The amount cannot exceed the original dollar amount.

Contact our Finance Department via email at support@esecurepay.net with your inquiry, or any payout questions, including your banking instructions and amount in question. We will respond as promptly as possible and always within 24 hours.

Yes. Daily payouts are permissible for certain merchants’ credit card processing. Payout schedules are determined on a case by case basis by our banking partners.

Yes. Please contact eSecurePay’s Finance Department and request a Bank Change Form. After filling it out, return it to our Finance Department as soon as possible with any changes recorded. We are happy to answer any and all payout questions.

Yes. However, whenever this happens, the payout schedule will be pushed back to the next payout cycle, assuming that the processing minimum will be met by that time.

Yes. However, whenever this happens, the payout schedule will be pushed back to the next payout cycle, assuming that the processing minimum will be met by that time.

You will not be paid out. You must supply customers with products/services before payment is rendered. If you attempt to wait for payment prior to shipping out a product, your account will be disabled.

Yes. A payout schedule will be issued based on the terms of your agreement.

Yes. A payout schedule will be issued based on the terms of your agreement.

Payment Processing Questions?

Yes, eSecurePay will provide you with a unique billing descriptor. For businesses wishing to handle their own customer service inquiries, we can provide you with a billing descriptor that includes an abbreviation of your business’s name and a customer service telephone number. For businesses that do not wish to handle their own customer service inquiries, eSecurePay can provide you with your own billing descriptor. We will answer calls on your behalf and involve you when necessary.

With 3D Secure payment processing—or what is more commonly known as Verified by Visa or MasterCard Secure Code—cardholders create one password associated with their credit card account to authorize transactions. However, since many merchants do not use 3D Secure payment processing, cardholders often forget their password. This causes their credit card issuing bank to decline the transaction.

With 3D Secure payment processing—or what is more commonly known as Verified by Visa or MasterCard Secure Code—cardholders create one password associated with their credit card account to authorize transactions. However, since many merchants do not use 3D Secure payment processing, cardholders often forget their password. This causes their credit card issuing bank to decline the transaction.

Yes. E-commerce merchants can process payments for as many websites as they wish. However, if the products on Website A are different from those on Websites B and C, then you will need to apply for separate merchant accounts for each website. To process payments for a new site through an existing merchant account, your eSecurePay account manager must approve it if it was not originally included on your application.

If you change the nature of your business, then you MUST inform e or your merchant account manager. We will then determine if your new business type breaches your payment processing contract. However, if the nature of your business changes so drastically, your acquiring bank may not be able to provide you with a merchant account. In this situation, we will help you obtain a new merchant account through one of our many banking partners.

Additionally, if you do not notify Esecurepay or your merchant account manager of such changes, it is considered a breach of contract . Merchants may be subject to fines, delays in payouts, merchant account interruptions or even a terminated merchant account.

If you sell goods or services to customers internationally, some of them may see an additional charge called the international transaction fee. International transaction fees range from $0.45-0.60 and as much as $1.25. Neither eSecurePay nor your acquiring bank imposes this fee. It comes from the cardholder’s issuing bank.

Although similar, authorizations and settlements are two different things.

An authorization occurs when your customer’s issuing bank approves the transaction request. Either the customer has sufficient funds in his bank account to process the debit card purchase or he had enough credit left on his account to make a credit card purchase. Alternatively, if there were insufficient funds in either bank or credit card account, the issuing bank would decline the transaction.

There are several other reasons why a bank would decline a transaction request: Expired card, incorrect information provided, or the cardholder canceled the account. The merchant does not receive approved funds at this part of the transaction.

A settlement occurs when the pending amount of approved funds has successfully transferred from the bank or credit card account to your merchant account. At this point, you will receive a payout from your acquiring bank or eSecurePay based on your previously agreed upon payout schedule.

Payment Gateway Questions?

The internet payment gateway automates the transactions between the customer and the merchant. The payment gateway performs various tasks for the transaction process. Some of them are given below:

Encryption – once a customer places an order through a website, the browser encrypts that information through a secure server encryption.
Payment Server – the information sent back by the merchant is sent to a relevant bank which acquires that information and then sends back the transaction information for authorization to the card issuing bank.
Authorization – that bank then sends back an authorization request, either acceptance or denial, to the payment gateway.
Confirmation – the internet payment gateway then sends back the relevant information to the website and the customer respectively.
Fund Deposit – the acquiring bank then deposits the funds into the merchant’s account.
Reporting – because of the internet payment gateway facility, the merchants can view their fund report online or download it for their convenience.
This may seem like a long process, and it is, but it takes only a few seconds.

For a merchant, doing business online has now become an easy process. Internet payment gateway allows the business owner to process all kinds of credit cards online.

Internet Payment Gateways make real time online credit card processing possible. The data is sent to the gateway via shopping carts and a secure server. When a credit card transaction is made, the payment gateway checks for validity, encrypts the transaction details, ensures its departure to correct destination and decrypts the responses that are sent back. It is very useful for e-commerce businesses.

Payment gateways provide users with a virtual terminal. It allows hosting terminals for multi-user networking. A virtual terminal also provides an online reporting facility for all the transactions and orders made. Through secure servers, the merchants can log in to a website and process credit cards, perform authorizations etc.

Virtual Terminal allows:

Easy usage – the virtual terminal is fast, reliable and easy to use online.
Manual Credit Card Transactions – with this facility, the merchants can now manually enter the credit card transactions. This is feasible for phone, fax and mail orders.
Cost Effectiveness – merchants can now save money and reduce cost by using the virtual terminal. With this, they no longer require exclusive tools and fancy equipment.
Refunding – virtual terminal allows the merchants to refund the money to a customer’s credit card.
Security – it provides safe and secure servers (SSL) and reliable protection system.
Automatic Billing – it allows automatic billing. Merchants can now automatically bill their customers, especially for recurring charges.
Increased Sales – the virtual terminal allows the users to expand their business beyond the e-commerce world, as it is used for phone and fax orders as well, allowing the users to gain access to more users.
Reporting – running various reports have now become possible through the virtual terminal. Merchants can now also check the status and capture the previously authorized transactions through this facility.
Convenience – with the virtual terminal’s reporting facility it has become more convenient for the merchants to get automated services.
The virtual terminal acts as an intermediary between the merchants and their merchant accounts. It is a web interface, which allows the merchants to enter the customer’s details manually into a browser and submit them for fast authorization and processing.

In order to process credit card transactions online a database is created that immediately checks the transaction and then captures the funds to be deposited later in the merchant’s account.

A Virtual Terminal, also known as VT, is a service that allows manual processing of credit card transactions through means of an electronic connection.

Payment Gateways are usually a third party service that automates the transactions between the customer and the merchant. A payment gateway is a system that processes, verifies and accepts the credit card transactions on behalf of the merchant. Business owners are able to accept all kinds of electronic payment through these secure internet connections.

Payment Gateways make real-time online credit card processing possible. When a credit card transaction is made, it checks for validity, encrypts the transaction details, ensures its departure to correct destination and decrypts the responses that are sent back.

A Payment Gateway also helps you to accept:

Credit Cards – it allows the clients to get real-time credit card authorization either via secure servers or via HTTP with payment gateways.
Electronic Checks – many payment gateways also help process electronic check transactions online or in real time.
The customers do not need to be directly in contact with the gateway, as the data is sent to the gateway via shopping carts and secure server. The shopping cart uses plug-ins to send information to certain gateways in an acceptable format.