What is PayZang?
PayZang is a leading provider of payment technology, processing, and services with next-generation solutions for contact and contactless payments devices—in unattended and attended environments, online and in-person. We provide hardware, merchant accounts, and gateways to optimize financial goals and customer engagement all on one user-friendly platform. PayZang manages the entire payment lifecycle from security of the payment to transferring money to your bank account. Activation is quick and comprehensive; merchant IDs are created in minutes.
Who uses PayZang?
Thousands of businesses and organizations worldwide use PayZang: Fortune 500 companies, rapidly-growing startups, government entities, consultants, service-oriented businesses, law firms, nonprofits, and more. PayZang isn’t just for one particular kind of payment. Whether you are charging for a service, selling physical goods, accepting donations, or enabling payments for others, PayZang will work for you.
Is PayZang a merchant account, gateway, or something else?
PayZang is a complete solution designed to be simple—you only need to work with us. We accept payment data and deposit funds into your bank account. No need to integrate and interact with multiple vendors to accept payments (a merchant account to receive funds, a gateway to submit payments, maybe even a third service to manage recurring charges). We do it all!
Why is PayZang the best option?
PayZang is the only payments service you need. You won’t need to work with a separate merchant account provider, gateway, subscriptions manager, or any other piece of the legacy payments industry puzzle.

An elegant, powerful API makes integration quick and easy.

We offer complete freedom to create the payment experience you desire. Your website, app, location and your workflow, your brand.

You can charge customers however you choose: one-time purchases, subscriptions, metered billing, and event-based charges are all straightforward with our flexible API.

Competitive, crystal-clear pricing. We charge one rate for each successful transaction. There are no additional charges for failed transactions, American Express cards, international cards, stored cards, or recurring payments.

We shoulder the PCI compliance burden by ensuring you never need to handle sensitive card data.
Can I use PayZang for a portion of my payments?
Of course! We cater to whatever works best for you. We only charge for successful PayZang transactions—there are no setup or monthly fees, no account minimums, and no contract durations. There is nothing to lock you into our services.
What size business does PayZang support?
PayZang is designed for businesses of every size, including Fortune 500, publicly-traded companies, solopreneurs, and mom-and-pop shops. No matter your scale, PayZang will work for you.
What should I do if I have more questions?
Contact us at 1.800.446.4164 or support@payzang.com. We are here to help!
What are some best practices?
These best practices can help you with the integration and implementation process...to assist with your set up and resolve any problems that may occur.

Central Point of Contact: Assign one person as the central point of contact when communicating with PayZang. This ensures you and your team understand the business relationship with PayZang. It is crucial for someone in your organization to inform PayZang about schedules, changes to messages, and any issues related to the PayZang system.

Good Documentation Equals Easier Maintenance: Document every step you take when working with our developer program. This ensures anyone who maintains your system will understand the process. Good documentation will allow anyone in your business to maintain the system correctly.

We recommend documenting:

Delivery Method: Document why you selected your delivery method, who approves the delivery method, and the date of its approval.
Messages: Document the purpose for each message, alternate drafts, who approves the messages, and the date of approval.
Testing: Document all testing methods used (including scripts), who participated in testing, who approves the tests results, and testing dates.
Certification: Document any message changes you made resulting from certification testing...and be sure to archive copies of staff training materials conducted during this phase. It is also helpful to document who received training and on what dates.
Go-live: Document all problems you may have encountered during the go-live phase. Include data about individuals who may have had problems with specific parts of the system in case of misunderstandings during training.

Documentation will be useful if any future problems occur. You can review your documentation and identify if the problem has occurred before and if your users had received training on that topic. The documentation will help you research and correct the issue and relay your findings to other users.

Ask Questions: One of your greatest tools during both the integration process and the live system is the ability to ask questions. Anytime you don’t understand a topic or task, or if you simply need clarification, please contact PayZang for assistance. We are available to help 24/7!
What happens during integration?
You will complete four stages during the integration phase.
1. Defining your delivery method
2. Defining your messages
3. Testing your system
4. Taking your system live
What will I need to complete integration?
You only need to download our sample code. Remember to document the entire process so you can identify and correct any problems that might occur.
Who do I contact for assistance?
Call or email PayZang anytime you require assistance: 1.800.446.4164 or support@payzang.com. Our dedicated team is here to help!
What is PCI DSS?
Payment Card Industry (PCI) Data Security Standard (DSS) is a set of requirements to ensure companies that process, store, or transmit credit card information do not violate the security of individuals or entities associated with the card or its information.
PCI DSS Standards are created by the PCI Standards Security Council, a neutral governing body created by major card brands such as Visa, MasterCard, Discover, and American Express.
Is PayZang certified compliant with PCI DSS?
PayZang holds a certification as fully compliant in all of the 12 major data categories including data storage, network design, intrusion monitoring, security-aware information technology policies, and more. Our overall compliance exceeds most industry standards and is an important part of our commitment to an end-to-end security system.
Does PCI DSS compliance cover communication?
Yes, all of our merchant communications remain protected by way of high-grade 128-bit SSL (Secure Sockets Layer) encryption technology. These techniques protect sensitive data as it passes through the internet.
Does PayZang use any additional encryption technologies?
Yes, we use RSA public and private 1024-bit key technology to protect sensitive data as well as a proprietary cryptographic infrastructure for use in our servers. Our system utilizes unlock procedures to ensure no single person can gain access to any of your customers’ sensitive data.
What fees are associated with PayZang's merchant services?
Card processing: Like all merchants, you must pay individual transaction fees. PayZang does not charge setup fees or monthly fees.
ACH processing: PayZang does not impose setup fees or monthly fees for ACH services.
Payment Gateway: As with all our services, you will not be charged any monthly fees or setup fees to use our payment gateway services.
API integration: You will never be charged a fee to participate in our developer program or to integrate with our API.
Does PayZang have any hidden or surprise fees?
Absolutely not. You will always know up-front about any fees associated with any of our services.
Can I find out the exact charge for PayZang's services?
Yes! Our services are custom-tailored to each individual merchant. In most cases, you will learn about necessary fees when your account is set up. Contact a PayZang representative for details.
How does PayZang protect sensitive data and prevent security breaches?
PayZang protects online payments and ensures payment security by keeping sensitive payment data off your network with a fully hosted checkout process that collects data directly from customers and securely processes their payments.
PayZang safeguards all payments by adding an extra layer of security to all transactions through encryption at the point of entry and secure transmission to payment processing.
PayZang protects your data from a data breach by performing complete tokenization of all payment data with added protection from PCI Point-to-Point Encryption.
PayZang provides iSpyFraud to prevent data breach. iSpyFraud is a prevention tool that is rules-based and allows merchants to screen suspicious activity on transactions. We also offer 3D Secure Cart (the industry’s highest-rated tool) which makes eCommerce checkouts personally verified and allows consumers and merchants to rest easy with the knowledge that we will defend them from all unauthorized transactions.
What if security measures fail?
In almost all cases, a failure will not occur. Should the unthinkable happen, our data centers are customized to withstand even the worst failures.
Would a failure negatively impact services?
Our protective measures ensure a security failure would have no serious negative impact on your services.
What can I do to further strengthen security?
You can help by safeguarding your passwords, business information, and customer data. Change passwords often and store them in a secure location. You should also change your secure transaction key on a regular basis for increased security. Please contact PayZang with any questions or concerns you have about security.
ACH: Automated Clearing House is a network for electronic funds transfers or eChecks. Types of payments include:
Direct deposits
Direct payment made for bills
National tax payments
Business-to-business payments
E-commerce and eCheck payments

API Login: An ID assigned to access the API. It is required to access Secure WebPay and is available within the Virtual Terminal.

Approval: An authorized transaction that has been approved by a bank or credit provider.

Check Verification: A process of verifying a check and a checking account in real time; can also identify if an account is currently in non-sufficient (NSF) status.

Authorization: A request from a merchant to make charges on a credit card. Authorization is the first stage in a settlement process and if not completely settled within the credit provider’s timeframe, it will expire.

Authorization Code: Alphanumeric or numeric code issued by a credit provider to refer to the authorization.

Auth Only: The merchant seeks authorization but intends to capture the funds at a later time or date.

Capture: The process of collecting funds and debiting a customer’s account following a transaction.

COM: Component Object Model (COM) is a Microsoft-created architecture used for interprocess communications. In a payment gateway environment, COM can be used for data posts.

Decline: An unapproved transaction that will not receive authorization.

EFT: Electronic Funds Transfer (EFT) refers to electronic payments and is the government’s preferred payment method.

Full Gateway Integration: An advanced and somewhat challenging way to integrate with PayZang.

HTML Integration: Simple integration with PayZang through a webpage with a payment form. Only supports sale and debit types of transactions.

Merchant ID: An identification number issued to your organization and a required component for all communications.

NACHA: National Automated Clearing House Association, which governs the operating rules and manages all ACH-associated activities and procedures.

NCNVerify: A check database that can help you determine whether or not a checking account is in good standing.

PaymentsGateway: A high-volume modular payment processing platform developed for maximum flexibility and availability.

PCI: Payment Card Industry, which mandates that merchants and service providers must comply with minimum security standards regarding a cardholder’s data.

Pre Auth: See Auth Only.

Pre Notification: An ACH originator may (optionally) send a pre-notification to a customer’s account to serve notice of the intent to transmit additional items. Also provides the date on which these items will be drafted from the client’s account.

Procurement Card: Like a credit or gift card, but typically issued to employees for use in purchasing supplies and other items for company use.

RAW: Computer terminology generally referring to unprocessed data passed along without being processed or interpreted.

Recurring Transaction: Transactions occurring more than once. The API creates messages to determine number, frequency and start date of recurring transactions.

Reversal: Issuing credit to a customer for an incorrect or disputed transaction that has already been settled.

Online Payment Page: A method of easily and securely submitting electronic transactions to PayZang.

Secure Transaction Key: Available in the Virtual Terminal, this key provides an extra layer of authentication for securely submitting transaction requests. Like a password, it should be stored securely and changed often.

Settlement: The final step in a transaction, this means authorized funds are delivered to the processor for making payment to the merchant. It can take a few days for the funds to reach the settlement stage.

SSL: Secure Sockets Layer (SSL) is a communications protocol for transmitting private data across the internet. SSL encrypts data using a private key that is transferred over the SSL connection.

Void: Canceling a transaction that has been authorized but not settled.