CcNetPay is a company that provides online payment solutions for businesses of all sizes. They specialize in credit card processing, MOTO and E-commerce Merchant Accounts, direct relationships with European and international banks and PSPs, and online payment gateways. Their services are tailored to meet the needs of businesses in various industries, including high-risk ones, such as gaming and adult entertainment.
ccNetPay takes praise for their flexible and trustworthy solutions, as well as their commitment to offering the lowest rates with no hidden fees. Let’s take a look at their pricing scheme together.
ccNetPay stands out from its competitors by offering no up-front charges and a 48-hour bank pre-approval process. This means that businesses can get started with their payment processing services quickly and easily, without having to worry about paying any fees upfront.
The company offers 4 different accounts to cater for businesses of different sizes and needs. The baseline rates are given on their website, but they tailor a fee depending on the specific needs of your business. To get the exact pricing, you need to contact a ccNetPay representative by filling out the form under the respective account.
Having said that, here are the basic features and baseline rates for different account types the company offers.
E-commerce Merchant Account
E-commerce merchant accounts offer a direct account in the EU, UK, US, and HK, with rates starting from 1.50%. They support over 140 currencies and offer recurring billing and dynamic descriptor features. Additionally, their Payment Gateway has API integration capabilities.
Phone Sales Account
ccNetPay’s Phone Sales Account is designed to help businesses that rely on phone orders to process their payments. This account includes a range of services to facilitate easy and secure credit card payment processings over the phone, mail, or fax.
With rates starting from 1.50% (EU) + 0.20 EUR per transaction, the Phone Sales Account includes a Virtual Terminal that allows businesses to process payments without the need for a physical card reader. Additionally, this account offers a Direct UK/EU Merchant Account with no transaction limits and multi-currency support.
Other key features of the Phone Sales Account include Pre-Authorization, Batch Processing, CVV, and AVS verification to ensure secure transactions.
International Merchant Account
ccNetPay’s International Merchant Account accepts businesses from all industries and offers both direct and third-party accounts. With this account, you get services from acquiring banks in the US, EU, and HK, that offer multi-currency support, recurring billing, and API integration.
For high-risk industries, such as adult entertainment, pharmacy, gaming, and sportsbooks, ccNetPay provides a High Risk Merchant Account. They offer direct EU Merchant Accounts with rates starting from 1.95% and a Payment Gateway with 3rd party account options from 4.50%. API integration is also available for high-risk merchant services.
EU Merchant Account
ccNetPay’s EU Merchant Account provides businesses with a direct merchant account in Western EU banks, making it easier for them to process payments from customers in the EU and the UK. It’s designed to cater to various business types, including high-risk industries, such as gaming, adult, dating, and herbal. It’s accepted in several countries, including the UK, Germany, France, Spain, and Italy.
The EU Merchant Account also supports e-commerce, recurring billing, and MOTO processing, allowing businesses to accept payments in a variety of ways. The account supports a wide range of credit cards, over 150 currencies, and has features such as Server2Server API integration, recurring billing, batch processing, and virtual terminal. It’s also supported by features like dynamic billing descriptors, real-time reporting and management, global card processing, CVV, AVS, and 3D Secure.
It also includes a Payment Gateway with Server2Server API integration and multi-currency processing capabilities with no transaction limits.
The payouts are scheduled weekly with a 7-day delay. Daily payouts are possible with a monthly volume of over 1M EUR.
High-Risk EU Merchant Account
ccNetPay specializes in providing high-risk merchant accounts to businesses in the EU, including adult content, gaming, and herbal industries. The company also caters to other high-risk industries, including airlines, cruises, electronics, adult content, digital content, downloads, subscriptions, escort, webcam, adult chat, dating, gaming, gambling, online casino, sportsbook/betting, bingo, lottery, clubs, games of skill, herbal, nutraceuticals, diet pills, vitamins, fitness, and food supplements.
ccNetPay provides additional high-risk categories, which are accepted in the EU and offshore, including charities, e-wallets, financial services, penny auctions, telemarketing, travel, tour, entertainment, and more.
However, it’s essential to note that acquirers are continually changing their acceptance rules, and not all categories can be placed through direct accounts in Europe, and some may not be placed at all.
Who Can Apply To a Merchant Account?
To apply for a merchant account with ccNetPay, there are certain requirements that must be met.
To apply for a merchant account, you need to be incorporated or have a registered business activity and a business bank account in one of the accepted countries. You also need a fully functional website with product/service descriptions, pricing, delivery info, terms & conditions, refund policy, and full contact details.
Once approved, you’ll need to provide the certificate of incorporation, memorandum/articles of association, company bank account statement, and owner’s/director’s ID or passport.
MOTO Merchant Account & Virtual Terminal
Virtual Terminal is essential software for businesses that need to accept credit cards through mail orders or phone orders. It enables the manual processing of credit card transactions, and all that is required is an internet connection.
Virtual Terminal is included with all EU-based solutions provided by ccNetPay.
Virtual Terminal for MOTO Merchants
For MOTO-based merchants, such as call centers and catalog sales, a Virtual Terminal is an indispensable tool. This versatile platform can be accessed from anywhere in the world with an internet connection, making it easy to process credit and debit card transactions seamlessly, whether you’re speaking with customers over the phone or collecting their information through other means. With a Virtual Terminal, you can even process transactions while on holiday or travelling for business, maximizing convenience and efficiency.
To further streamline your payment processing, the Reporter Software provides a robust suite of tools for monitoring and managing transactions. This powerful software enables you to track sales and refunds, as well as gain an overview of your account as a whole. With these tools at your fingertips, you can stay on top of your finances and provide exceptional service to your customers.
Virtual Terminal for E-Commerce Merchants
Virtual Terminal is an essential tool for e-commerce merchants seeking to streamline their payment processing systems. Notably, the MOTO (Mail-Order/Telephone-Order) credit card processing system can be particularly useful in situations where customers encounter issues with online order forms. By collecting billing information manually and entering it into the terminal, merchants can easily process transactions and maintain customer satisfaction.
One of the key advantages of MOTO processing is the added security and mobility it provides. Some customers may be hesitant to make purchases through small online stores with unprofessional-looking websites, fearing that their credit card information may be compromised. By allowing customers to provide their payment information over the phone to a live representative, merchants can alleviate these concerns and build trust with their clientele. Furthermore, customers may ask questions about the product or service they’re interested in, giving merchants an opportunity to provide additional information and boost sales.
In short, MOTO processing and a Virtual Terminal can be invaluable assets for e-commerce businesses. Customers can call to make purchases and have their credit cards processed instantly over the phone, increasing sales and customer satisfaction.
Offshore and 3rd Party Account
ccNetPay’s Offshore and 3rd Party services provide businesses with tailored payment processing solutions for problematic high-risk categories or businesses looking for offshore and international payment processing.
This includes a 3rd Party Account with the option for its own MID where possible, Payment Gateway with Server2Server API integration, and multi-currency processing capabilities. Additionally, ccNetPay provides specialized merchant accounts for pharmacy and replica businesses.
Their Offshore and 3rd Party services work with a range of international banks and IPSPs to find the ideal payment solution for your business’ needs. They also offer global card processing, recurring billing, and e-commerce support.
When you subscribe to any of ccNetPay’s direct merchant accounts, you get a payment gateway integration service. The payment gateway is backed up by the western-EU-based infrastructure.
Upon merchant account approval, ccNetPay provides access to a gateway test environment to complete integration and ensure that it works perfectly before going live. The company also offers free and speedy assistance from its dedicated tech support office and gateway provider.
ccNetPay supports several payment gateway integration methods. Direct integration, also known as server2server API, is the most commonly used method of integration. Hosted payment form is another method that requires less integration and is quick and easy to use. The third method is Virtual Terminal (VPOS), which requires no integration and is generally used for mail/phone order-based businesses.
ccNetPay is a tech company that originated from TerNet d.o.o, based in Murska Sobota, Slovenia, with additional offices in London. It was established in 2007 with a mission to offer a wide range of online payment solutions that cater to businesses of all sizes, regardless of risk level. The company values exceptional customer service and strives to provide secure and dependable merchant services to its clients.
User Reviews From Around the Web
There are a large number of reviews available on the web by the users of the payment company.
- Trustpilot – 4.6 / 5 (based on 358 reviews)
While the company has only received reviews on TrustPilot, it’s clear that ccNetPay is a legitimate company that provides a great service.
Users seem to be generally happy with the product and services offered by ccNetPay. However, there have been a few concerns expressed about the company’s customer service. Some users have reported non-returned phone calls and non-conclusive answers to their questions.
On the other hand, some users have praised the excellent customer service they have received from ccNetPay, citing helpful and supportive staff, making the application process short and simple, while providing excellent communication and patience.
Overall, it’s clear that ccNetPay is a reliable company that provides high-quality products and services. While there have been some concerns about their customer service, the majority of users seem to be satisfied with their experience with ccNetPay.
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