General FAQ
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What is a Payment gateway?
A Payment Gateway is an E- Commerce application which enables merchants to do business online by securely accepting online/ electronic payments.
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What are the services offered by QPay?
QPay offers online transaction processing services through Credit Cards, Debit Cards, Net-Banking, UPI and mPOS. QPay is in the process offering many more payment options for online merchants.
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What are the businesses that are not processed by QPay?
QPay does not support certain businesses that are restricted by the Government of India . Please click here for a detailed list of businesses that are not supported by QPay.
Merchant FAQ
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I would like to accept card payments from my customers. How do I get Started?
QPay offers an easy and simple way to accept card payments for your online business. You can sign up online. Our team will verify your application and get back to you within 24 hours via email. The email will give you the procedure and the necessary documentation that will be required from you to setup an account with us. On receiving all these documents and the required setup fee, your account will be activated within 3-5 working days.
QPay includes an Internet Merchant Account, a secure payment gateway and a suite of web based back office services – everything you need to perform and manage card payment processing. It's incredibly easy to get started - start building your new payment solution here.
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Do I need an Internet Merchant Account?
Yes. You need an Internet Merchant account to start doing business online. On receiving your online application we will advice you with the procedure to open a Internet Merchant account.
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How long does it take to setup an Internet Merchant Account?
At QPay, we promise to review your Internet Merchant Account application within 2 working days. If your application is successful, we will issue a list of documentation that we require from you in order to set your account to live status.
It then typically takes a further 3 to 5 days from receipt of all required documents before you can start processing payments. For businesses trading online please ensure your site is compliant with our guidelines.
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What goods and services can I sell?
You can sell physical and digital (tangible and intangible) goods and services. Please click here for a list of prohibited business categories.
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My business is very small. Is QPay suitable?
We process payments for small, medium and large companies We also process payments for sole traders (Proprietorship), partnership firms, governmental and charitable organizations. For more information please call +91-424-3500020 / 21 to speak with one of our expert advisers.
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What are the documents needed to get an Internet merchant account?
After you sign up online, we will inform you the list of documents that we require to setup an internet merchant account. The requirements of documents differ for Sole trader/ Proprietor, Partnership firm, Private Limited companies, Public Limited companies, Government bodies/ institutions, Charitable Trusts etc.
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What are the different payment options available with QPay?
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What are costs involved in getting an Internet Merchant Account?
QPay offers Internet Merchant account to suit every customer. We have different pricing mechanisms depending upon the business volume. For more details please contact +91-424-3500020 / 21
Merchant FAQ
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Whose name will appear on the customers' credit card statement?
Your Company name will appear on the Customers' credit card statement. This gives your business more visibility and also helps the customer identify the transaction easily.
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When does a successful transaction become eligible for payment?
We process payments in T+2 working days ( T being the transaction day)
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What is the security level of QPay?
We adhere strictly to card scheme and banking industry best practice. We are one of the few to be PCI DSS Level 3.2 certified. Our payment platform also integrates 3D Secure which protects you and your customers from fraud.
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What is the GST that is billed in my statement?
Government of India levies a GST of 18 % on Credit Card Companies. Therefore, QPay charges 18% on your setup fees, AMC amount and also on the TDR. This amount will be paid to the Government by QPay and will be reflected in your settlement statement and invoices.
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How is the GST amount calculated?
The GST is 18% of the agreed TDR. For example, on a transaction amount of INR 100 and if your agreed TDR is 4%, we will charge 18 % on INR 4.
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How is the GST collected from me?
We will deduct this GST amount from your payouts.
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Can I take refund of GST from any authority?
Though there are certain provisions in GST legislation that allows for credit of GST paid, we advise you to take the guidance of your tax advisor/accountant.
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Can I levy this GST to my customer?
This GST is levied by QPay for providing payment gateway services to merchants like you. However, you may consult your tax advisors on how to handle this in your pricing to your customer.
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What is a Chargeback? What is QPay's chargeback policy?
Chargebacks are always challenging as they can result from a number of causes, including customer disputes, processing errors, authorization issues, inaccurate transaction information and yes, fraud. A refund that is forced by the card company as requested or disputed by the card holder is known as chargeback.
QPay India has state of the art fraud screening capabilities to reduce risks. However, if any chargeback is reported by the cardholder, you will be liable to pay the amount back to QPay India or it will be adjusted with the current balance of your account with us. You will be liable to refund back the disputed amount to QPay / Card holder. Please note that this practice is universal and is followed by all payment gateway service providers the world over. QPay has also an in-house team, which will screen all the transactions.
Basic Documents required from merchant:
- Merchant should keep complete proof of goods being shipped.
- Merchant can prove that the customer was informed in advance about refunds / return of goods for replacement faulty goods.
A chargeback can only be reversed if the card holder formally informs his bank or card issuing institution that he will accept the disputed charge.
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What are QPay's refund and end customer dispute policies?
QPay maintains a customer-friendly refund policy. We keep our administrative costs under control by reducing the amount of time spent researching customer inquiries and reducing the occurrence of chargeback disputes.
Our refund and dispute policy: The merchant is required to set the refund time limit on their site depending on the goods sold. If a customer is dissatisfied with a product that has been ordered, the merchant should accept the product back and grant a refund. If desired, a merchant may specify that shipping charges are not refundable. However we would prefer to refund the shipping charges as well.
Restricted Merchant Categories
The following merchant categories are out rightly banned to be recruited for QPay India:
- Adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery and other media); escort or prostitution services. Apparatus such as personal massagers/vibrators and sex toys and enhancements.
- Alcohol, which includes Alcohol or alcoholic beverages such as beer, liquor, wine, or champagne.
- Body parts, which includes organs or other body parts – live, cultured/preserved or from cadaver.
- Bulk marketing tools which includes email lists, software, or other products enabling unsolicited email messages (spam).
- Cable TV descramblers and black boxes which includes devices intended to obtain cable and satellite signals for free.
- Child pornography in any form.
- Copyright unlocking devices which includes Mod chips or other devices designed to circumvent copyright protection.
- Copyrighted media, which includes unauthorized copies of books, music, movies, and other licensed or protected materials.
- Copyrighted software which includes unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software.
- Counterfeit and unauthorized goods which includes replicas or imitations of designer goods; items without a celebrity endorsement that would normally require such an association; fake autographs, counterfeit stamps, and other potentially unauthorized goods.
- Drugs and drug paraphernalia which includes illegal drugs and drug accessories, including herbal drugs including but not limited to salvia and magic mushrooms.
- Drug test circumvention aids which includes drug cleansing shakes, urine test additives, and related items.
- Endangered species, which includes plants, animals or other organisms (including product derivatives) in danger of extinction.
- Gaming/gambling which includes lottery tickets, sports bets, memberships/ enrollment in online gambling sites, and related content.
- Government IDs or documents which includes fake IDs, passports, diplomas, and noble titles .
- Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, websites, or other protected property.
- Illegal goods which includes materials, products, or information promoting illegal goods or enabling illegal acts.
- Miracle cures which includes unsubstantiated cures, remedies or other items marketed as quick health fixes.
- Offensive goods which includes literature, products or other materials that: a) Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors b) Encourage or incite violent acts c) Promote intolerance or hatred.
- Offensive goods, crime which includes crime scene photos or items, such as personal belongings, associated with criminals.
- Prescription drugs or herbal drugs or any kind of online pharmacies which includes drugs or other products requiring a prescription by a recognized and licensed medical practitioner in India or anywhere else.
- Pyrotechnic devices and hazardous materials which includes fireworks and related goods; toxic, flammable, and radioactive materials and substances.
- Regulated goods which includes air bags; batteries containing mercury; Freon or similar substances/refrigerants; chemical/industrial solvents; government uniforms; car titles; license plates; police badges and law enforcement equipment; lock-picking devices; pesticides; postage meters; recalled items; slot machines; surveillance equipment; goods regulated by government or other agency specifications.
- Securities, which includes stocks, bonds, mutual funds or related financial products or investments.
- Tobacco and cigarettes which includes cigarettes, cigars, chewing tobacco, and related products.
- Traffic devices, which includes radar detectors/ jammers, license plate covers, traffic signal changers, and related products.
- Weapons, which includes firearms, ammunition, knives, brass knuckles, gun parts, and other armaments.
- Wholesale currency, which includes discounted currencies or currency, exchanges.
- Live animals or hides/skins/teeth, nails and other parts etc of animals.
- Multi Level Marketing schemes or Pyramid / Matrix sites or websites using a matrix scheme approach.
- Any intangible goods or services or aggregation/consolidation business.
- Work-at-home information.
- Drop-shipped merchandise.
- Web-based telephony/ SMS/Text/Facsimile services or Calling Cards. Bandwidth or Data transfer/ allied services. Voice process /knowledge process services.
- Any product or service, which is not in compliance with all applicable laws and regulations whether federal, state, both local and international including the laws of India.
Restricted Merchant Categories
The following merchant categories are out rightly banned to be recruited for QPay India:
- Adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery and other media); escort or prostitution services. Apparatus such as personal massagers/vibrators and sex toys and enhancements.
- Alcohol, which includes Alcohol or alcoholic beverages such as beer, liquor, wine, or champagne.
- Body parts, which includes organs or other body parts – live, cultured/preserved or from cadaver.
- Bulk marketing tools which includes email lists, software, or other products enabling unsolicited email messages (spam).
- Cable TV descramblers and black boxes which includes devices intended to obtain cable and satellite signals for free.
- Child pornography in any form.
- Copyright unlocking devices which includes Mod chips or other devices designed to circumvent copyright protection.
- Copyrighted media, which includes unauthorized copies of books, music, movies, and other licensed or protected materials.
- Copyrighted software which includes unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software.
- Counterfeit and unauthorized goods which includes replicas or imitations of designer goods; items without a celebrity endorsement that would normally require such an association; fake autographs, counterfeit stamps, and other potentially unauthorized goods.
- Drugs and drug paraphernalia which includes illegal drugs and drug accessories, including herbal drugs including but not limited to salvia and magic mushrooms.
- Drug test circumvention aids which includes drug cleansing shakes, urine test additives, and related items.
- Endangered species, which includes plants, animals or other organisms (including product derivatives) in danger of extinction.
- Gaming/gambling which includes lottery tickets, sports bets, memberships/ enrollment in online gambling sites, and related content.
- Government IDs or documents which includes fake IDs, passports, diplomas, and noble titles .
- Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, websites, or other protected property.
- Illegal goods which includes materials, products, or information promoting illegal goods or enabling illegal acts.
- Miracle cures which includes unsubstantiated cures, remedies or other items marketed as quick health fixes.
- Offensive goods which includes literature, products or other materials that: a) Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors b) Encourage or incite violent acts c) Promote intolerance or hatred.
- Offensive goods, crime which includes crime scene photos or items, such as personal belongings, associated with criminals.
- Prescription drugs or herbal drugs or any kind of online pharmacies which includes drugs or other products requiring a prescription by a recognized and licensed medical practitioner in India or anywhere else.
- Pyrotechnic devices and hazardous materials which includes fireworks and related goods; toxic, flammable, and radioactive materials and substances.
- Regulated goods which includes air bags; batteries containing mercury; Freon or similar substances/refrigerants; chemical/industrial solvents; government uniforms; car titles; license plates; police badges and law enforcement equipment; lock-picking devices; pesticides; postage meters; recalled items; slot machines; surveillance equipment; goods regulated by government or other agency specifications.
- Securities, which includes stocks, bonds, mutual funds or related financial products or investments.
- Tobacco and cigarettes which includes cigarettes, cigars, chewing tobacco, and related products.
- Traffic devices, which includes radar detectors/ jammers, license plate covers, traffic signal changers, and related products.
- Weapons, which includes firearms, ammunition, knives, brass knuckles, gun parts, and other armaments.
- Wholesale currency, which includes discounted currencies or currency, exchanges.
- Live animals or hides/skins/teeth, nails and other parts etc of animals.
- Multi Level Marketing schemes or Pyramid / Matrix sites or websites using a matrix scheme approach.
- Any intangible goods or services or aggregation/consolidation business.
- Work-at-home information.
- Drop-shipped merchandise.
- Web-based telephony/ SMS/Text/Facsimile services or Calling Cards. Bandwidth or Data transfer/ allied services. Voice process /knowledge process services.
- Any product or service, which is not in compliance with all applicable laws and regulations whether federal, state, both local and international including the laws of India.