Who should use the mPayy Business Account?

In addition to shopping and sending money to friends or family, the mPayy Small Business account enables members to sell with mPayy across multiple channels.

mPayy provides the tools to accept sales through through the online and mobile websites or applications.

Can I accept credit card payments with mPayy?

mPayy is not a credit card processor. mPayy enables you to accept secure debit payments from people’s checking accounts. People who buy from you will hook mPayy directly up to their checking account, not their debit card.

By not accepting any card-based payments, mPayy is able to offer you the best payment processing prices.

Why do I need to give mPayy my cell phone number?

mPayy uses your cell phone number as your unique identifier. You can log into your mPayy account or and authorize payments through mPayy’s ecommerce partners simply by using your cell phone number and password.

mPayy will send you an SMS text message with a 4-digit verification code when you open your mPayy account in order to verify ownership of that phone number. You must verify your account to receive payments.

Is mPayy secure?

mPayy protects all member data utilizing 128-bit TDES encryption technology. Even mPayy staff does not have access to your password or financial information for your protection.

How long will my transactions take and how will I know when they are done?

mPayy transactions can take several days to complete. For person-to-person transfers, please allow up to 4 business days for the transaction to reach the ?Settled? state. For purchases, the seller may not receive their funds for 3 business days.

Transactions can be tracked directly from your Dashboard on mPayy.com, or its mobile site & applications.

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How do I send money with mPayy?

mPayy enables you to send money through its website, or with your mobile device from mPayy's mobile site, or an application directly on your device.

All you need is the recipient's cell phone number, or mPayy account nickname to send them money. When you shop online with mPayy, all you need is your own cell phone number, or nickname, and password, and you can check out directly from the merchant's website.

Can I shop or send money with my credit card?

mPayy is not a credit card processor. mPayy enables you to make payments directly from your checking account. When you open an account, you will link your checking account to fund your transactions. Credit and debit cards are not accepted by mPayy because they are very expensive for both the sender and the receiver; there are high fees associated.

Can I open an account and send money today?

In order to maintain the safety of all its members, mPayy performs both an identity check, and a bank account verification. Assuming you pass both, your mPayy account will be immediately available for making transactions.

Otherwise, mPayy will make a small deposit into your bank that you then input into mPayy in order to activate your bank account.

How long will my transactions take and how will I know when they are done?

mPayy transactions can take several days to complete. For person-to-person transfers, please allow up to 4 business days for the transaction to reach the ?Settled? state. For purchases, the seller may not receive their funds for 3 business days.

Transactions can be tracked directly from your Dashboard on mPayy.com, or its mobile site & applications.

Not a Member Yet?

Open an mPayy account in minutes and start
making free online & mobile payments.

How do I accept payments with mPayy?

All your customers need from you to pay you is your cell phone number or your mPayy account nickname.

Read below for the payment options mPayy provides.

How much does it cost to sell with mPayy?

mPayy charges $0.20 + 2.00% for each sale you make. mPayy also charges $15 for chargebacks pursuant to mPayy's Member Agreement. There are no other fees.

How do I use mPayy for my online auctions?

mPayy is directly integrated to iOffer.com. All you need to do is add mPayy to your Seller's Preferences from that site. For other online auction sites, simply create Invoice Links or generate the HTML code to add a Pay Button to another online auction store.

Accept Payments on mPayy.com

mPayy.com provides the tools to open inidividual and merchant accounts, make payments, withdraw funds, and manage your account.

mobile.mPayy.com provides the tools to make and receive payments, withdraw funds, view activity and issue refunds. Any mobile device with web access can utilize it.

Mobile Payments

mPayy's Android and iPhone applications will allow your shoppers to make payments, and allow you to track all your mPayy payments initiated through any mPayy channel.

mPayy Checkout options for your site

Pay Buttons enable you to be paid to your mPayy Small Business Account for any product from your website. It’s a simple Do it yourself tool to add debit payments to your website.

Invoice Links allow you to close sales initiated on your website with an email invoice that clicks directly to an mPayy Checkout Page. Complete the checkout via email.

Checkout Windows is a hosted webpage available to retailers to call when a customer checks out on your website. Shoppers can open the account and complete the purchase within minutes on either your site or mPayy's.

Magento Checkout Module is a simple method to add mPayy to your Magento shopping cart. Includes install scripts and admin integration.

API Payment Options

Payment Details API automates updates to your back-end inventory and fulfillment processes so your systems know what products are paid for and should be shipped in real-time.

Payment API enables you to call mPayy’s payment services from within any website or application. mPayy Small Business Account-holders can receive API keys.

Recurring Payment API provides a payment authorization API, and batch file processing to handle your daily subscription file with reporting.

User Info API provides shipping information for your customers to complete anny transactions conducted on your website.

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Why does mPayy want my cell phone number?

Your mPayy ID is always your cell phone number. So, you can shop or send money with just your cell phone number and password.

mPayy has ported all of its capabilities to a mobile website accessible from any phone that can connect to the mobile web at http://mobile.mpayy.com.

mPayy also offers iPhone and Android applications for those devices.

How and why must I "Verify Mobile Device"?

In the process of opening your account, mPayy will send you an SMS text message with a 4-digit code. You will provde that code to mPayy, and your mobile device will be activated.

You must verify your mobile device before you can receive payments.

Is mPayy going to send me text messages?

mPayy will ONLY send you text messages for the purposes of activating your mPayy account and informing you of transactions.

You will receive an SMS text message when you open your account or link a new phone to your mPayy account.

You will also receive SMS text message receipts when you send or receive payments.

Grow Recurring Revenue Streams

mPayy enables publishers to collect secure debit payments for their subscription services. Process the real time payment that initiates the subscription revenue stream via mPayy's API, and mPayy will store the authorization for future payments.

The publisher has the full flexibility to manage the subscription period, and sends mPayy a file of the mPayy ID and amount to charge each subscriber in a batch file. mPayy processes the payment, and sends a confirmation back to the publisher.

Low cost debit payments empower Micropayment models

mPayy's low cost payment system enables companies to retain a significantly higher percentage of revenues for sub-$5 transactions.

Whether it's digital content - songs, videos, games - or virtual currency transactions, mPayy enables merchants to operate at very high margins, and move money both within Marketplace models, as well as person-to-person exchanges.

Not a Member Yet?

Open an mPayy account in minutes and start
making free online & mobile payments.