FAQs - iPay88 Online Payment Gateway

1) What are the main services provided through iPay88?

iPay88 is an Internet Payment Switching Gateway through Credit Card (VISA & MasterCard Only), Internet Banking (E-Debit) & Electronic Waller (“E-Wallet”), developed and operated by Mobile88.Com Sdn. Bhd.

If you are a website owner who sells products or services online; or if you run other kinds of e-commerce business and would like to offer a convenient payment for your buyers, you can apply for our iPay88 service to help interface between you and potential buyers. Using iPay88 you can make online credit card payment immediately through the service and when your buyers pay money through the iPay88 system, the system will return the money to you.

2) What credit cards are accepted and how about buyers without a credit card?

Currently, iPay88 accepts two types of credit card:
• MasterCard (www.mastercard.com)
• Visa (www.visa.com)

If buyers do not have any credit cards, they can use the popular Internet Banking of the following Malaysia banks:
• Maybank (www.Maybank2u.com.my)
• Public Bank (www.pbebank.com.my)
• CIMB Bank (www.cimb.com.my)
• Alliance Bank (www.alliancebank.com.my)
• Hong Leong Bank (www.hlb.com.my)
• RHB Bank (www.rhb.com.my)
• Bank Islam (www.bankislam.com.my)
• Ambank (www.ambank.com.my)

Or through E-Wallet of:
• Mobile Money (www.mobile-money.com)
• PosPay (www.pospay.com.my)

More details please refer to iPay88 Payment Options

3) How do I get payments from iPay88 and When?

When buyers have paid via iPay88 system, the system will immediately inform the status of payment to store (via online, e-mail and online report) and then the store can deliver its products or services to the buyers.

The total collected income of store (after deduct the transaction fee) will be paid back to stores on the 5th day of the following week, every week. (If the 5th day falls on Saturday, Sunday or Public holiday, payment will be postponed to the next working day).

4) How secure and trustworthy is the iPay88 system?

iPay88 is the same Online Payment Gateway System currently provided by many licensed Financial Institution. For that reason, stores can be certain of iPay88 security and database management. Besides, iPay88 is endorsed by Central Bank of Malaysia (Bank Negara).

5) What is the advantage of using iPay88 compared with using the Bank Payment Gateway?

The disadvantages of application with Banks are:

Deposit of no less than RM50,000 may required.
Process of application is complex and long (estimated at least 2 months).
Business proposal required for approval.
Transaction quota may required.
Selective on merchants .
Integration with one bank only can use one type of Internet Payment mode.

6) Does iPay88 support Multiple Currencies Type?

No. It only supports Ringgit Malaysia (MYR). It's thus best suited for Malaysia Merchants that would like to sell online locally.

7) How to apply for iPay88?

Send us your details here and we will email you the ipay88 saleskit containing all the application form and step-by-step guide.

8) Fee and Charges for iPay88?

Refer to iPay88 Pricing

9) What Kind of Fraud Protection Does iPay88 Offer?

All orders placed by a consumer are subjected to an automated fraud screening routine. This routine automatically examines each and every order placed. Suspicious orders are reviewed by a trained member of iPay88 risk management team. These orders are canceled if they are deem fraudulent. If the order is susceptible to fraud, iPay88 risk management team will contact the store for further review and action.

10) What products / services can be sold?

Your products/services must be legal for sale in all states, provinces, and countries where you accept customers. As a general rules of thumb, whatever is illegal offline is illegal online.

LIST OF PRODUCTS AND SERVICES CANNOT BE SOLD via iPay88

Pornography & Adult Content (included any Adult subscription service and chat)
Firearms, Ammunition, High Capacity Magazines, Tasers, Air Guns
Fireworks or Pyrotechnic Devices or Supplies
Unapproved Drugs
Gambling Transactions
Replica and Name Brand "Knock Off" Products

Sites found to be selling banned products or services are subject to immediate account termination, frozen funds, forfeiture of funds, fines, and/or order cancellations, all without notice.

11) What is 3D-Secure (Verified by Visa & MasterCard SecureCode)?

Please refer to e-commerce glossary.

12) Why is the customer stuck on the 3D-Secure loading page?

If the buyer is stuck on the loading page for more than five minutes, it is most likely caused by the issuing bank server. The issuing bank server may be performing maintenance or having an service outage.

The buyer should allow 24 hours and try again and if the issue continues to contact their bank.

13) What is the Buyer's 3D-Secure password?

If the buyer does not know their password, then they will have to go through the "Forgot Password" process or contact the issuing bank. iPay88 cannot offer a solution to bypass this step.

The buyer can skip the password, but this is done by using a different card to make payment.

Almost every issue with 3D-secure will be related to the verification. There should be a "Help" link on almost every bank's 3D-secure page. This "Help" link explains 3D-secure, solutions to common issues and how to contact the appropriate bank.

14) How to verify the payment processed by iPay88?

iPay88 system is integrated with online reporting system. You can login to the report by entering ID and password (provided by iPay88) at the main page. In the report, you able to view:

• All transaction report (include transaction status)
• Daily sales
• Monthly sales
• Etc.

Note: iPay88 Internet Payment Solution is a service by Mobile88.com Sdn Bhd. This third party services are governed by their own terms of use and other requirements. You agree to abide by these third party requirements when you access the third party services through the Service. Neowave is not responsible nor liable for the services and information provided to you through these third party services.