Q: Does PinPay offer Credit Card Accounts?
PinPay is a different type of payment service. You can accept Visa, MasterCard, Chinapay, JCB or any payment card. PinPay does not interfere with those payment options, if you have them. But PinPay does not offer them; you need to find a credit card payment service company to provide them to you. PinPay is a unique payment option that provides payments to you (the vendor) without any chargebacks. It eliminates most common payment frauds. All payments to you are immediate and irrevocable. Plus there are no holdbacks, no set fees or deposits, and no cross border fees.
PinPay is an all cash payment service with NO chargebacks. That is great for online vendors, like yourself! PinPay cannot accept any source of funds which can be revoked or reversal of the payment to a PinPay account. Because of these facts, credit cards, checks and ACH cannot be used to load funds into a PinPay account. We are excited to help you increase your bottom line.
Q: What is a SoftCard and is it a Credit Card?
SoftCard is an electronic prepaid debit account accessible worldwide, which uses the PinPay Network for all payment and money transfer services. PinPay operates independent of, and is not affiliated with, Visa, MasterCard, American Express, China Union Pay, JCB, Discover, or any other credit card associations. PinPay is regulated by the U.S. Treasury, and licensed as a money service business. PinPay SoftCard accounts are maintained in a U.S. Federally Insured bank and insured by the United States Federal Deposit Insurance Corporation (FDIC) to $250,000 USD.
The SoftCard is a very secure and efficient way to carry and transfer money. It gives you the ability to purchase products at participating stores and online malls and transfer money throughout the world via proprietary, secure and encrypted data transfer tunnels. It also allows you the ability to load money to your card, pay bills, transfer money to vendors, authorized debit cards, financial institutions, and withdraw cash at authorized banks, mobile phones, vendors and some ATM locations.
Q: How do customers pay?
The customer can do a direct bank transfer to the PinPay vendor from his US bank account from about 70% of the U.S. banks using the online bill pay at the bank with next business day delivery to the PinPay vendor. The sending customer needs to know that they open a SoftCard account, load their PinPay SoftCard account with funds, then pay the PinPay vendor by using the payment button on the vendor web site or select the option of “pay a PinPay vendor from the log-in dash board. These can be provided to the customer over the phone or by email, etc. Customers can also go to any one of 7,0000 locations in the U.S. that accept bill payment to PinPay and have the cash funds delivered to the PinPay vendor with delivery the next business day.
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