UniversePAY’s team of dedicated experts is available round-the-clock to keep your business running at top speed. Easy to reach and quick to respond at any time of the day, our experienced team provides the technical assistance you require in a professional and operative manner.
Still haven’t found what you’re looking for? see the most frequently asked questions and answers.
An API integration gives a merchant full control over their checkout and captures card information on their page, creating a seamless user experience.
2. Hosted Payment Page (HPP)
Easiest to set up and very secure, a HPP integration redirects the customer to our payment page, which can be modified and tailored in accordance with the merchant’s requests.
HPP without the hassle of redirection. I-frames maintain the ease of setup, while keeping the customer on the merchant’s page for a seamless user experience.
4. Virtual Terminal (VT)
Complete mail/fax/telephone orders using virtual terminal, without having a need for for the customer to physically show their card to the merchant. Accept MO/TO transactions.
A merchant account is a specialized bank account that
facilitates the receiving of money from credit card and debit card payments.
It’s different from your regular business bank account, as it’s a pass-through
account, and doesn't need to be with the same bank. The bank with which you
set up your merchant account is referred to as an ‘acquiring bank’ or
With focus on transaction security, speed, and efficiency, UniversePAY offers merchant accounts for businesses of all kinds. Straightforward to use and intuitive by nature, UniversePAY puts you on the fastest and easiest path to accepting payments.
Online payment processing is an e-commerce technology with the purpose of ensuring the transaction of funds between a vendor’s and their customers’ accounts. Essentially, this enables the customer to use their bank card or bank account to pay the merchant for the goods or services provided, and do so in a simple, efficient, and seamless manner.
UniversePAY gives you the option to open a merchant account in both European and Non-European acquiring banks. To open a merchant account you must:
Fill out this application form - link.
Provide the following required documents:
Identification (Passport or ID)
Company`s incorporation documents
Processing History (if any)
UniversePAY offers the following popular payment methods: VISA, MasterCard, UnionPay, QIWI.
UniversePAY offers our services to and has worked with merchants involved in the following business activities:
If your business type isn’t on the list, please, contact our Sales representative at email@example.com and we’ll make sure to find a solution for you. Our client base is diverse and ever-growing, so UniversePAY is always excited for novel opportunities.
What currencies do we work with?
UniversePAY can process the following top currencies:
USD US dollar
GBP British pound sterling
RUB Russian ruble
Our settlement currencies include:
USD US dollar
There are multiple factors affecting the release of payouts, such as the merchant’s business type, turnover, registration country, and acquiring bank among others. The frequency can vary depending on these factors, however, usually payouts are made once a week. Regarding the rolling reserve, UniversePAY reserves 10% of the transaction amount to ensure security. Reserved funds are then held for 180 days, after which they are paid out directly to your account.
Depending on a plethora of factors, the set up can take anywhere from 2 to 4 weeks. More accurate estimates can be requested once you have provided us with preliminary information.
A chargeback is when a client or customer requests a return of their funds following a successful transaction. Typically, such disputes emerge after failed deliveries, faulty products, or unsatisfactory services. A chargeback can be deemed valid and invalid. More often than not, it’s the latter, as chargebacks are frequently fraudulent. However, if a chargeback is deemed valid, then the customer is refunded the money, with the merchant’s business checking account being debited for that amount. Settling chargeback disputes may incur minor fees for information retrieval and potentially the chargeback itself.
There are multiple suggested steps to take to minimize the risk of chargeback, such as:
Request CVV2 for card possession check, and make good use of AVS for billing address verification
Have clear and noticeable return and warranty policies across all your communication channels - website, emails, etc.
Request proof of delivery
Avoid charging a cardholder’s card before goods have been shipped.
Ensure the delivery and billing addresses are the same.
Chargeback is an often unavoidable part of the e-commerce process, but if you’re careful and follow the rules above, you can minimize your encounters with it.
To regain access to your account, you must contact our Client Support Department at firstname.lastname@example.org and once you have been identified as the owner of the account, we will grant you access.
The UniversePAY Payment Gateway provides automatic notifications to your email about the status of the payment, ensuring you’re always in the loop.
Please double check that your credit card is valid and that you are able to make online payments. If these two things are in order, yet you continue to experience issues, then please contact the UniversePAY Support Department at email@example.com or send us your query using the online form found here: link.
You can find the reference number in the bank account statement to which the card with which you made the payment is attached.
If for some reason you want your funds returned, please contact the Support Department of the Online shop where you made the purchase with a request for a refund.
Please contact the Support Department of the Online shop where you have made the purchase with a request for clarification regarding the status of your order
Universepay Support is here to help. Or just fill out the contact form and we’ll get back to you as soon as possible.