Frequently Asked Questions

A chargeback is a negative value transaction on your account that has been initiated by one of your customers. Any customer can call their card issuing bank to request their money back should they feel one of the following applies to them:

– They do not recognise the transaction;

– They have returned goods but have not received a refund; goods they ordered were not delivered within guaranteed timeframe;

– A service has not been provided or provided to the standard requested;

– Many other reasons.

Yes, all of our gateways allow you to store card details using what we call tokenization.

Yes. All of our gateways process credit and debit card payments within seconds. The entire transaction, from the moment your customer clicks on the ‘Pay Now’ button, to having the customer’s bank approve the payment and return the successful payment message, can be processed in a matter of 1 or 2 seconds so that the customer knows there and then that they have made their purchase successfully. We do of course rely on the internet connections and server speeds of other institutes to be working to the same standard as ours, which means on occasion we do experience slower speeds as we wait for an acquirer or issuing bank to respond, but even in these situations your customer generally won’t be waiting more than a few seconds.

Our Gateways allow of Card Payments, Direct Debit Payments, Wallet Payments (Apple & Google Pay), Crypto, PayPal, SEPA, B2B and many more APM's (Alternative Payment Methods.

No. Currently we have four options available for our merchants and can help you decide which would suit your needs best once you have your acquiring bank in place.

We support over 179 world currencies.

The Axcess gateways are able to process the following card types. However, it is often best to come to us with an idea of which types you will need to process so that we can find you an acquirer that meets your needs. Acquirers can vary greatly in the services they provide, including which card types they support, so finding the right acquiring bank is an essential first step.

Our gateway is able to process payments from anywhere in the world as long it is approved by your acquiring bank. The acquirer you are connected to will look at your business model and take into account any legislative restrictions that apply to certain products and services. These legislations may affect where you can take payments from and where you can supply goods or services. Contact us to find out more.

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We discuss and understand a merchant’s needs before providing pricing. Unlike many other companies we do not provide a “one suit fits all service”. We at Axcess look to understand the business model and what you need before providing the details on price. This way we can make sure you have what you need and nothing more or less, only then can we give an accurate price and ensure you are only paying for what you need.

A payment gateway is an online service provider that provides the technology for the authorisation of debit and credit cards. The technology provides a connection between a merchant’s business website and the acquiring bank as well as providing the functionality for other services such as MOTO and other payment service solutions.

This can vary greatly depending on the acquirer you are with, the business model of your company and the level of that you require. Contact us to discuss your needs and the type of rates and fees that will apply.

Merchant services work by allowing the consumer with the debit or credit card to process a payment for goods or services supplied by the merchant. The merchant then receives the funds from the transaction with it been deposited into the merchant account held at the acquiring bank. Then on an agreed cycle the merchant will receive the funds received.

Merchant services are better explained by being the technology and, accounts and equipment that a business needs in order to accept payment through debit and credit cards.

A merchant account provider gives companies the ability to accept and process debit and credit cards in return for goods and services. The merchant can be delivering such goods and services either through face to face, telephone or internet based offerings.

An acquiring bank is a financial institution that processes debit and credit cards on behalf of a merchant. Acquiring banks provide the merchant facilities and settlement of the merchants funds earned through payment processing.

A merchant account enables a business to accept payments made via credit and debit cards. An account is established with an agreement between an acquiring bank and the merchant.