mPayy Help

Anyone who wishes to move money online, over mobile phones, or over social networks

All you need for an mPayy account is a cell phone number and an internet connection. Your cell phone number is your mPayy ID, and you must be online to open an account.

A checking account is necessary to fund transactions and withdraw funds, except for transactions funded by Stored Value

The identify verification process is to help keep mPayy safe and eliminate fraud. It also facilitates enforcing our policies and other violations of rules and laws. Because mPayy operations involve moving funds from and to bank accounts, it is in the best interests of mPayy and its members to take all steps to validate identities. mPayy seeks to ensure that all transactions are conducted between honest parties and comply with the law.

A Stored Value Account is an mPayy account that receives funds from other mPayy Accounts.

Money can be transferred from the Stored Value to another mPayy Member e.g., from a parent’s account to a child’s, or can be used to make purchases.

Your mPayy Username is your cell/mobile phone number. You can also use your mPayy nickname if you created one.

Reset your password here.

- Multiple attempts to log in with the incorrect password
- You reported an unauthorized transaction
- If your account has been put on security hold by mPayy

At mPayy, your personal identifier is either your mobile phone. In order for us to locate you and bring you the money someone is trying to send you, you must verify your mobile device.

Log in and click “Verify Mobile Device” from your Dashboard. If the cell phone number and/or carrier do not match, click “Modify Mobile Device” and change the information to match your cell phone number and carrier.

Text messages many times vanish into the ether. If you are having trouble verifying your mobile device. Send an email to [email protected] with your home address and wireless carrier. mPayy will send you your Verification Code.

Otherwise, call 312.346.7090, and mPayy Member Services will help you verify your device.

NO. Any device that can access the Internet, e.g., cell phone, iPhone, Blackberry, Treo, laptop, etc, and receive SMS or email can be used to send and receive payments or turned into a mobile point-of-sale device. You do not need to download any software. The few older cell phones using mobile web 1.0 cannot be used to send money from your phone, but those are pretty hard to find these days.

NO. mPayy works with all carriers. If you do not see your carrier in the new account form, email us and we will add it.

You can use mPayy through any machine that has access to the Internet and you can receive money, but you cannot send money or make a payment from your phone. Adding mobile web will enable you to use your phone to make purchases and send money with your phone.

mPayy suspended your account due to invalid information about your bank account. Please call 312.346.7090 to discuss.

Deposits will take two to three business days to show up in your bank account.

mPayy only sends a single deposit per linked bank account. If you received multiple deposits, it is because you added multiple bank accounts. The valid one is only the most recent. You should NOT add the deposits and specify the sum.

In order to protect buyers, funds will be held in your mPayy account for a period of time to ensure that goods are shipped. The delay will continue until a successful history has been established.

mPayy securely encrypts all sensitive member data and stores it in our hosting data centers.

Your accounts are protected against unauthorized transactions above $50.00 just like credit cards and you can also dispute purchases, just like credit card .

Your bank account information is not transmitted to retailers or to other Members.

Account numbers are not visible to any mPayy employees. Account information is encrypted within the application and used simply to transfer and receive funds.

mPayy will never transfer your bank account information to any third party. mPayy Members who receive money through mPayy have no visibility into the sensitive account information of any other Member.

All mPayy Member's funds are held on account with mPayy at JP Morgan Chase. JP Morgan also provides all the transaction settlement services.

mPayy knows that SPAM E-Mails are terribly annoying and come en masse, and text message marketing is increasing. mPayy will never provide your information to a 3rd party, and all messaging sent to you from mPayy will be focused on transactions you are conducting through mPayy, to communicate Account Information, or to inform you of mPayy specific offers such as promotions, contests or member discounts. In short, if mPayy contacts you, it is for something important!

• Your recipient must have an mPayy account first.
• You must have a Linked Bank Account or a Stored Balance in your bank account
• You may access your mPayy account through mPayy.com, Mobile.mPayy.com, the mPayyment Widget on Facebook or MySpace
• Specify your friend’s cell phone number or mPayy nickname and authorize the transaction with your mPayy credentials

On your cell phone, go to http://mobile.mpayy.com and log in. Then, send money to your friends by specifying their cell phone number or mPayy nickname.

On Facebook, go to http://apps.facebook.com/mpayyment; on MySpace, go to http://profile.myspace.com/Modules/Applications/Pages/Canvas.aspx?appId=109002

mPayy Person-to-Person transfers take 4 business days to clear. Transfer-time starts at End of Day after the authorization, and the transaction will settle at End of Day on the 4th day.

You don’t need to fund your mPayy account before you can send money. Simply link your bank account, and the money will move directly from there to your recipient’s mPayy account.

If you do not have a Linked bank account, you must first receive funds from another mPayy member.

Person-to-Person transfers cost nothing for either the sender or the receiver. However, if the recipient has an IDEA account, merchant fees will be taken out of the transfer in the amount of $0.20 + 2.00%.

No, mPayy is not a credit card processor. All transactions that are not funded from a Stored Value account will be funded by

On your cell phone, go to http://mobile.mpayy.com and log in. Send money to your friends by specifying their cell phone number or mPayy nickname.

For Illinois residents, you may contact the Department of Financial Institutions at 1-877-710-5331

No, mPayy moves funds directly from your checking account or Stored Value balance

You can shop online directly from your checking account. Authorize the transaction with your mPayy ID and Password, and the funds will be moved from your checking account to the Merchant.

mPayy will work to help collect your funds from the seller, but does not make any guarantees. You should use information provided by Seller ratings before you make a purchase online.

You are limited in the amount you may pay on a rolling 30 day basis, and mPayy has discretion on approving any and all transactions. If you have a question about a payment, please contact us at [email protected].

Shopping with mPayy is always free