HIGH RISK MERCHANT ACCOUNTS FOR THE EDUCATIONAL SOFTWARE INDUSTRY.
FASTER APPROVALS. COMPETITIVE PRICING. BETTER SERVICE.
HIGH RISK MERCHANT ACCOUNTS FOR THE EDUCATIONAL SOFTWARE INDUSTRY.
FASTER APPROVALS. COMPETITIVE PRICING. BETTER SERVICE.
Schools and students are always looking for a way to increase their education or learn more about the world around them. Thanks to the age of the internet, educational software has found a new way to provide education to students online in a new format. DigiPay Solutions has created an electronic business report with additional important information about setting up a merchant account, controlling chargebacks, managing risk, and keeping merchant accounts in good standing.
DigiPay Solutions is a recognized payment processing brand among educational software companies. The company’s extensive network of partner banks, payment experts, and elite portfolio of tailored solutions has helped launch entrepreneurial start-ups and take enterprise organizations to the next level of corporate growth.
Thousands of merchants, from start-ups to enterprise-scale organizations, leverage DigiPay’s curated knowledge of high-risk payments to securely process millions of transactions across an array of vertical industries. DigiPay works closely with educational software partners, providing tailored solutions and timely advice to national and regional service providers, while helping them maintain the highest standards of banking and payment card industry compliance.
DigiPay’s team of experts, combined with our partners’ proven record of successful educational software businesses, can facilitate successful new company launches and help existing businesses grow and scale.
According to Business of Apps, educational mobile apps and games are growing at a 5 year CAGR of 2.43%. The educational software industry is expected to triple in annual revenue and be worth over $800 million in 2022 and then increase to $1 billion by the year 2024.
The educational software industry providers are categorized by SIC Codes, NAICS Codes and Visa Merchant Category Codes (MCC) to comply with payment card industry requirements.
Proper classification is vitally important to prevent funds from being held in reserve for misrepresentation. The educational software industry has a specific NAICS code which is grouped under “Schools and Educational Services, not elsewhere classified” in NAICS or MCC codes, and can be classified according to the nature and focus of services. The following are some examples:
SIC 7372: Prepackaged Software
SIC 7374: Computer Processing and Data Preparation and Processing Services
SIC 8299: Schools and Educational Services, not elsewhere classified
NAICS 511210: Software Publishers
NAICS 514511: Custom Computer Programming Services
NAICS 518210: Data Processing, Hosting, and Related Services
MCC 5045: Computer and Computer Peripheral Equipment and Software
Additional information on Visa MCC can be found in this downloadable guide.
Top performing companies in the educational software industry are seeing more success by offering the ability to access educational videos and games through the computer and on their smartphones. Thanks to the Internet, people can use educational software to help their kids learn while having fun! Teachers can also utilize educational software to discover new techniques for teaching their students in the classroom. Here are a few leading companies in the space:
Blackboard, caters to a wide variety of service industries including software for schools, higher education, businesses, and government. Blackboard provides a simple and convenient way for students to check up on homework assignments and their grades that their teachers have placed on the Blackboard website. The reason why Blackboard managed to become so successful is due to their outstanding customer service.
Desire2Learn created Brightspace, the world’s first truly integrated learning platform that is used by over 1,100 clients and 15 million students all over the world. No matter whether they’re in higher education or K-12, you can utilize Brightspace to help further your classroom.
Khan Academy is a non-profit organization that was created in 2006 by Salman Khan. Khan created a set of online tools that helps to educate young students and further their learning through his helpful online tutorials and videos. Khan Academy has videos on hundreds of subjects ranging from math and science all the way to personal finance and computer animation.
TutorGroup is the largest English-learning institution in the world. The company recently moved to Silicon Valley. They recently came out with a new company, TutorMing, which is a Mandarin Chinese classes for English speakers.
With your great brand story and DigiPay Solutions as your processing partner, there’s no limit to how far you can scale your company. DigiPay’s diverse, extended family of educational software companies’ process anywhere from $20,000 to millions in monthly revenue.
Interested in learning more about Publicly Traded Education Software Companies on Major U.S. Exchanges? Use this link to view by Large-Cap Stocks, Mid-Cap Stocks and Small-Cap Stocks.
Educational software companies provide a way for teachers and students to find educational tools that can help them learn or teach more effectively. They can also provide ways to streamline the educational process by providing services where teachers can put up homework assignments and worksheets and students can easily check their grades.
Educational software companies are higher in demand now than ever before.
According to Market Brief, the educational software industry saw certain opportunities in the following areas:
• The Educational Software industry is expected to increase to $1.83 billion-dollars by 2020.
• From 2014 to 2020, there is expected to be a compound annual growth rate by about 4.5% per year.
The biggest challenge within the educational software industry is getting started. Despite the increasing rate of the educational software industry, many of these companies have been around for a while and have already gained access to consumers across the world. New entrants may find designing software that caters to a specific area of learning as a way to differentiate from the entrenched providers.
The first step in enabling commerce is to establish a merchant account. The educational software industry may be classified as high-risk if they are using a subscription model, versus a one time sale. The software as a service (SAAS) model will limit the number of sponsoring banks who accept this payment model. DigiPay’s expanded network of banking relationships accepts the educational software category and provides competitive rates, terms and conditions.
Educational software companies may find it advantageous to work with processing partners who are familiar with their industry, jargon and common business practices. Payment processing sales representatives who are not familiar with educational software lingo and practices may be less effective at managing relationships due to their learning curves. Educational software companies work with knowledgeable processing partners, they can save time and money, improve efficiencies and attract and retain more customers and followers.
Many banks will not accept educational software businesses due to the higher-than-average number of chargebacks associated with subscription or SAAS billing. An entrepreneurial start-up company that has created an educational software website may not anticipate the risks involved in working with consumers whose sometimes unrealistic expectations about using an educational software service. Given that many banks may not understand the educational software industry and that many people desire these products, it may be difficult for them to find a bank that understands the process.
Consumers who opt in to monthly reoccurring payments may forget that their credit card will automatically be billed every month. They may then dispute the charge that appears on their credit card statement. Many card issuing banks require consumers to contact the merchant before they process a chargeback request.
Consumers may complain that a merchant was discourteous or failed to meet terms of service obligations. They do not have to prove these claims to initiate a dispute; a simple complaint about an e-cigarette retailer can prompt regulatory agencies to launch an investigation, creating additional exposure and negative publicity for educational software companies and marketers.
Educational Software start-ups in the early stages of setting up their businesses may not have appropriate customer service support to deal with consumer complaints and inquiries. Consumers who are unable to communicate their concerns to merchants are more likely to turn to their payment card issuers for refunds and chargebacks.
Yes, at DigiPay, educational software is in our DNA. Our financial services specialists are familiar with the industry’s unique framework and diversified categories, business models, SIC and NAICS codes and VISA MCC. We underwrite our merchants before sending their applications to our sponsor bank.
Once new merchants establish credibility and trust with DigiPay banking partners, they receive personalized attention and ongoing risk management from DigiPay’s team of payment specialists. This personalized service, coupled with the sheer volume of transactions we process through multiple banks, ensures our merchants receive the highest level of service and support.
Choosing the right payment processing partner is critical, because without the ability to accept payments, merchants are out of business. DigiPay’s merchant onboarding process combines sophisticated technology with human oversight. Experienced underwriters who understand the educational software industry, and have expertise in payment card brand and banking industry compliance, bring a refreshingly holistic approach to new account set-ups.
Whether you’re interacting with customers in person, your interactive website, or mobile app, DigiPay Solutions will give every merchant the attention and resources they deserve and a one-stop shop for processing solutions. The educational software industry is growing and DigiPay can accelerate that growth. The first order of business is eliminating any barriers to progress. Look no further than DigiPay Solutions, where getting a merchant account will open doors to a bright and prosperous future.
Because of the higher risk associated with educational software companies, more due diligence is required during the new merchant onboarding process. This means underwriters need to review a range of documents to assure the business is compliant, financially sound, and a good credit risk. DigiPay is unique because we underwrite merchants in-house before we submit their applications to the bank. Because our team of underwriters is experienced in high-risk, your business is presented to the bank with all required documents and full disclosure, to engender trust and stability.
Presenting your business in the best possible light from point of first contact is important because merchant accounts are essentially a line of credit from a processor. Because high-risk merchants have higher chargeback ratios and regulatory exposure, financial institutions are concerned they may violate card brand rules, laws and regulations. Complaints to the FDA and the FTC against a merchant create liability not only for merchants, but can also hold processors accountable under Know Your Customer (KYC) regulations.
DigiPay’s in-house team of underwriters and risk managers have curated knowledge in all areas of high risk. We are best qualified to guide you through the process efficiently and painlessly while helping to present your business to increase approval and gain credibility.
Once a high-risk educational software company is approved, payment processors set monthly processing limits, typically between $25,000 and $100,000 per month, for the first three-to-six-months. This gives processors time to develop a customer risk profile by evaluating payment flows, average ticket sizes, processing levels and chargeback ratios.
Educational software companies that maintain a stable, consistent performance throughout their initial trial periods can usually increase their processing limits. DigiPay’s risk management team works with merchants and sponsoring banks to shorten trial periods and raise processing limits.
Chargebacks can be an emotionally charged issue for many merchants, but with the right systems in place, managing and defending against them can be a routine part of any merchant’s business. DigiPay Solutions’ team of Chargeback Champions works with business partners to identify the root causes of chargebacks, proactively avoid them whenever possible and effectively address each chargeback and retrieval request.
DigiPay’s elite team of Chargeback Champions treats each chargeback request with an open mind and ample resources. Maintaining a low chargeback ratio is key to maintaining a healthy merchant account. When chargebacks exceed card brand maximums, your merchant account is at risk of being shut down. If a merchant category has consistently excessive chargebacks, banks will sometimes shut down an entire vertical industry. For this reason, it is critical for high risk verticals to self-regulate and work collaboratively to establish industry best practices.
Keeping track of your Transaction Chargeback Ratio as well as your Volume Chargeback Ratio is critical because this is what Visa, Mastercard and payment processors monitor. Payment processors with high chargeback ratios in their merchant portfolios can trigger unannounced audits by Visa or Mastercard. For this reason, DigiPay, powered by TranZlytics, closely monitors chargeback and refund ratios, reacting quickly to spikes in activity. Excessive refunds, frequently the result of alerts, can be a sign of fraud or poor business practices, information the card brands and banks may consider when assessing risk.
The formulas shown below use simple math to derive Transaction Chargeback, Volume Chargeback and Refund Ratios:
Add total monthly number of chargebacks and divide by total monthly number of transaction. For example – if during a month you processed 500 sales, and there were 10 chargebacks, your chargeback ratio would equal 10/500, or 2.00%.
Add total monthly dollar amount of all chargebacks and divide by the total monthly sales volume.
For example – if during a month, you processed 500k in sales, and your chargebacks were 10k, your chargeback ratio would equal 10/500, or 2.00%.
Add total monthly number of refunds and divide by total monthly number of transactions.
For example – if during a month you processed 500 sales, and there were 10 refunds, your refund ratio would equal 10/500, or 2.00%.
Add total monthly dollar amount of all refunds and divide by the total monthly sales volume.
For example – if during a month, you processed 500k in sales, and your refunds were 10k, your refund ratio would equal 10/500, or 2.00%.
It is important not to ignore chargebacks, because win/loss ratios matter. Visa and Mastercard can impose penalties and fines in the tens of thousands on payment processors and their sponsoring banks for continuing to process transactions for merchants that exceed the permissible 2 percent chargeback ratio. Non-compliant processors and banks may also be subjected to further scrutiny and potential shut-down by card brands and regulators.
Here are some recommended ways to maintain low chargeback and refund volume ratios:
Proactively identify fraudulent and stolen cards and suspicious behavior when possible. Having items like an SSL certificate, additional billing details, and other fraud detection tools.
Dissatisfied customers who have access to live support will frequently be satisfied that they had the opportunity to air their grievances. They may be satisfied with a simple return or refund and find it unnecessary or initiate a dispute or chargeback.
Companies with high levels of credit card transactions are in a better position to absorb chargebacks. Low-volume merchants can find themselves in the dubious position of having a high chargeback ratio with just a few chargebacks.
In the always-on, always-connected world, customers expect immediate confirmations and emailed receipts. A good CRM program can automate this process. The DigiPay TranZlytics Gateway is preconfigured to display a merchant’s contact information and customer service number.
Follow up with a simple survey or thank you email. This simple gesture will improve brand recognition when customers receive their credit card statements and make it easy for them to contact your company to complain.
Create instant notifications of incoming requests for refunds, chargebacks and assorted customer inquiries. These services can be implemented in-house or outsourced to third-party providers. Merchants have a small window to react to customer disputes before card brands rule in favor of consumers. Automated chargeback and refund alert systems help merchants mitigate risk.
Providing customers with a dedicated, toll-free number and email address will alleviate their concerns and build good will. Educational software companies that are responsive to customer inquiries have been shown to increase customer loyalty and decrease chargeback and refund ratios.
Refunds are a reality of life and a cost of doing business in the educational software industry. By accounting and budgeting for refunds, educational software facility merchants can accommodate dissatisfied customers, avoid chargebacks and improve transaction flows.
Merchants can handle chargebacks in-house or outsource to a Chargeback Mitigation Specialist. The following companies are experienced in identifying all forms of fraud, including friendly fraud:
Educational software providers rely on ecommerce and Mail Order/Telephone Order (MOTO) sales to scale their businesses. Credit card payments transacted online or by phone are called Card Not Present (CNP) transactions. Online CNP transactions involve credit card gateways that transmit payments from merchants to their payment processors.
Following is a list of recommended attributes of payment gateways that address the unique requirements of educational software industries:
Some educational software companies may need multiple merchant accounts to support their diversified array of offerings. Gateways should ideally be able to manage multiple merchant I.D.s organized under one master MID relationship.
Payment gateways need to seamlessly integrate into CRMs, POS systems, third-party software, and ecommerce shopping carts to facilitate all forms of online, MOTO and in-store commerce.
Educational software companies need access to a variety of real-time reports and transaction data to grow and scale their businesses and manage chargebacks and refunds.
In addition to enhanced reporting, educational software stores need secure access to transaction data from anywhere they happen to be working, with built-in permission levels to facilitate all levels of employees and management.
Payment gateways must comply with the Payment Card Industry Data Security Standard (PCI DSS). Ask your gateway provider if they are PCI DSS compliant and verify their certificate annually. Educational software businesses also need a gateway with a data vault for tokenization of credit card numbers and encryption of customer personally identifiable information (PII).
Tokenization replaces a Primary Account Number (PAN) with a randomly generated set of numbers and records this in the data vault. This is to prevent hackers from accessing customer data. By storing PII and PAN in a highly secure, offsite location merchants shift their liability to the gateway provider. Encryption and tokenization keep your customer’s information safe while allowing merchants access to the data for future transactions.
Choosing the right gateway provider is critical for high-risk merchants and their processors. DigiPay’s chosen gateway is TranZlytics. TranZlytics offers high risk merchants a Gateway and HUB built from the ground up for high-risk and CNP merchants. The solution includes transaction analytics and fraud prevention and built-in advanced chargeback management.
TranZlytics also offers advanced real-time reporting for faster and better use of CRM data. Payment descriptors are registered with a Chargeback Alerts program; re-presentments are pre-integrated with the gateway.
With a single HUB for transaction management and an expert risk management team to monitor your data, you can focus on what you do best, growing your business. Think of Tranzlytics as an online and mobile company Payment HUB with the IQ of Einstein and the memory of an elephant.
Customer Relations Management (CRM) software is a basic requirement, both for large enterprises and small companies that want to scale and grow their businesses. These systems are designed to automate the lifecycle of product offerings and to facilitate payments. As with payment gateways, it is vitally important to validate the CRM is PCI DSS compliant if it is touching customer information. Unlike payment gateways, CRM’s are not rigorously monitored for PCI DSS compliance; a security breach can devastate your business and erode customer trust.
Below are examples of CRMs used by educational software companies and enterprise-level service providers:
Zuora for Salesforce helps out businesses that use subscription based services by catering to the company’s customer relationships and helping them to maintain those relationships. After your initial sign up, you will find that your sales rep will be able to support your company when it comes to upgrades, add-ons, renewals, and so much more! They do so by providing you with a 360-degree view of each of your customers as well as catering towards their individual needs depending on their amount of satisfaction and loyalty. Learn more about Zuora here.
Zoho, a generic and inexpensive CRM program provides tools for recurring billing, customer tracking, customer satisfaction emails and a customizable database. While the service is not specifically designed for the educational software industry, it is affordable and supports multiple MIDs.
Google Sheets is a free service that provides a basic spreadsheet for start-ups. Its biggest asset is that it is free.
The educational software industry has become a worldwide phenomenon that is only continuing to grow. DigiPay is excited to play a supporting role when it comes to the growth of educational software. Our extended family of educational software businesses, with vastly different models and product sets, are equally committed to optimal results, performance metrics and profitability. Some offer subscription programs; others provide mobile apps. All want affordable and easy high-risk payment card processing, which is our specialty.
Co-Founder, CEO, DigiPay Solutions
What is affiliate marketing? Affiliate marketing is a partnership between merchants and affiliated individuals and companies that sell for them on the internet. Companies of all sizes, from leading global brands to start-up entrepreneurs, use the affiliate marketing model to great advantage, finding it an effective and lucrative ecommerce strategy. For example, thousands of Amazon.com affiliates promote products on their websites, redirecting buyers to Amazon’s site where they can check out and complete the sale. These sales are tracked by unique URLs that enable affiliates to earn commissions.
Creating an effective affiliate marketing plan begins with identifying trusted and reputable affiliates with extensive networks and followers, retail analysts have noted. These sources can help introduce products and services to markets outside a company’s traditional marketing footprint. Some examples might be a blogger with thousands of followers, or an e-zine with a strong vertical industry focus.
Because affiliate marketers are ideally an extension of a company’s brand and salesforce, it is crucial for organizations to create an affiliate program with clearly articulated terms and conditions, leaving nothing to chance. Some companies may outsource most of their promotional efforts to affiliate marketers. Others may supplement their traditional salesforce with a few affiliate partners.
Companies need to consider their primary objectives and corporate culture when creating an affiliate marketing program. Companies that manage more than one sales force, such as telemarketers and outside sales, have learned to structure sales programs to ensure that different teams are not competing against each other. This principle is equally relevant when working with affiliate marketers, who have proven to be most effective when they are not in direct competition with internal sales teams.
Payment acceptance: Affiliate marketing takes place on the internet, where payment methods vary. Merchants that only accept traditional credit cards will miss the opportunity to scale their businesses globally, by not accepting the most popular payment methods of other countries. Partnering with a company that specializes in cross-border payments and understands the unique regulatory environments of different countries around the world, will solve this issue.
Establish dedicated URL links: Targeted, accurate URLs are directly tied to affiliate marketers’ commissions and need to directly link to landing pages and product codes. Companies need to work with IT specialists to accurately track and promptly commission affiliate sales.
Create a coupon program: Considering how many consumers search for coupons and offers online, doesn’t it make sense to create coupon programs that help affiliate partners attract prospective buyers? Discount codes are one of the biggest growth hacks on the internet and show no sign of slowing down.
Stay in touch with affiliate partners: Establishing deep ties with affiliate partners means notifying them in real-time of any changes in inventory, pricing models and promotions. No company can afford the embarrassment of having an affiliate learn of a discontinued item or clearance sale through a third party. As sales representatives on the front lines of selling a company’s products, affiliate marketers deserve real-time alerts to keep them agile and motivated.
KPIs, banners: Affiliate marketers, like any sales professionals, need to know their key performance indicators, not only to track their closing rates but to be inspired to reach even greater heights. While there are multiple ways to do this, establishing a secure portal where they can log in and view their activity, commission status and current promotions will help them stay on track and cut down on customer service calls.
Before you approve a new affiliate, your first step in preventing fraud is to fully vet them. Ask them about their current brand relationships and how they promote their products. Their responses will help you evaluate if their values and culture are consistent with your company’s image and brand. Ask how the affiliate will drive traffic & sales to your offer. Check to see if the affiliate has behaved fraudulently in other programs
To stay apace with ever-changing rules and regulations, it is necessary to periodically update your affiliate terms and conditions. Let your affiliates know how these updates will be broadcast and request confirmation. Be sure to include a due date for compliance to the new terms as well as an enforcement strategy.
Monitor for violations using technology and human intelligence. Consider contracting with third-party service providers that use technology to monitor websites, or build those capabilities in-house. Ideally, machine learning coupled with human intelligence is the best way to ensure compliance.
Yes, DigiPay powered by Tranzlytics provides high-risk merchants with Pro Managed Services to ensure compliance and to detect and prevent fraud. Tranzlytics fraud detection includes daily screen shots that identify changes to a website. In addition to monitoring for key word violations, Tranzlytics can monitor affiliates and sub-affiliates traffic to ensure compliance.
The adage, trust but verify, applies when monitoring affiliates. The following guidelines can help identify potential fraud:
Affiliate software: Unique applications developed by companies to track and manage their affiliate marketing programs.
Affiliate link: This distinct URL, created for each affiliate marketer, enables companies to recognize, track and pay commissions to affiliates.
Affiliate ID: These unique IDs are sometimes used in addition to unique URLs on websites to identify affiliate marketers and ensure that they are compensated for sales.
Payment Mode: Pertains to the method of payment used by a consumer to complete an affiliate-referred sale. Most affiliate programs offer payment methods beyond traditional credit cards to appeal to global consumers.
Affiliate Manager/OPM: Affiliate managers, who specialize in all aspects of affiliate marketing, provide expert guidance on establishing and maintaining affiliate programs.
Commission percentage/amount: This refers to the percentage of each sale that companies provide in commissions to their affiliate marketers.
2-tier, or multi-tier, affiliate marketing: Like multi-level marketing schemes, this method rewards affiliate partners for referrals and recommendations, creating a second tier of sub-affiliates who can also earn sub-affiliate commissions.
Landing pages: This web page is used to promote a specific product and is frequently used to test a market’s receptivity to a product or service.
Custom affiliate income/account: Some companies reward top-producing affiliates by creating an elite sales program with higher-tiered commissions.
Link clocking: Link clocking shortens affiliate-identifying links, keeping them short and easy on the eyes.
Custom coupons: Custom coupon programs, directly linked to specific affiliates, help companies track and analyze affiliate sales.
A growing number of companies are working with DigiPay and TranZlytics to optimize and grow their affiliate programs. Contact us today for a no-obligation review.
March 18-21, 2018: ShopTalk Las Vegas. This event shows off the new technologies and business models as well as the latest trends in consumers (including preferences, expectations, etc.). Don’t miss out on this event
July 18-20, 2018: Affiliate World Europe Barcelona, Spain. If you’re an affiliate living in Europe, this is a must attend event! Over 30 creative and innovative industry leaders are coming to talk about affiliate marketing at this conference. With over 3,000 attendees coming from over 80 different countries, this event is sure to provide a fantastic opportunity for networking as well. Don’t wait to buy a ticket! The information provided at this event is sure to help you grow your affiliate marketing business!
For an up-to-date list of digital marketing conferences, visit http://www.marketingterms.com/conferences/
Annual conferences and events provide educational software businesses with networking and educational opportunities. Here are some examples:
June 24-27, 2018. International Society for Technology in Education Conference & Expo Chicago, IL. The ISTE Conference allows educators to emerge themselves in powerful ideas as well as the opportunity to listen to top professionals within the educational software industry. This event attracts over 16,000 attendees and industry representatives, so it also provides a wonderful way to network with others!
July 16-19, 2018. BbWorld Orlando, FL. With over 2,000 leaders and great minds in the industry, this is one event any educator can’t afford to miss! This year will be host to over 200 sessions, 50 technology partners, and access to Blackboard resources. This conference provides a wonderful way to learn more about the educational software industry!
July 10-12, 2018. Serious Play Manassas, VA. Serious Play is a leadership conference that embraces the idea that games can be used to help revitalize learning. This conference has speakers from around the world coming to this event. The focus of this event is to show how game-based education can be pushed forward and how to create an educational game-based design as well as discuss what gores into an educational game design.
Oct. 21-24, 2018. iNacol Blended & Online Learning Symposium Nashville, TN. This annual conference is the leading event for the educational industry. All realms of education will be covered in this event included online and blended. Attendees at this event will find networking opportunities and gain access to the latest trends within the education industry as well as how to apply them to their students.
Nov. 4-7, 2018. SETDA Leadership Summit & Education Forum Arlington, VA. This will be SETDA’s 17th year. This event is considered to be one of the most important gatherings for Educational Technology in the state. Leaders from over 40 state departments of education will be attending this event to discuss EdTech, instructional materials, and more. This is a great event to attend if you’re looking to learn more about the education industry!
Thank you for taking the time to review this compendium to learn about available opportunities and solutions in the educational software industry. We look forward to welcoming you to our growing merchant community.
Our online application takes minutes to complete. Once approved, our relationship managers will help you personalize your business management portal and leverage our full complement of secure payment gateway and chargeback management tools. They’ll help provision your processing account, ecommerce website and POS systems in brick-and-mortar stores.
DigiPay will also make it easy for your customers to find you, by helping you create an engaging online and in-store presence and seamless customer checkout exper