FAQS

What is PayZang?

PayZang is the easiest way to accept credit/debit card payments and ACH payments online. With PayZang, you can create exactly the payment experience you want in your website or mobile app, and we handle everything from security of the payment to transferring money to your bank account. You can get started immediately.

Who is PayZang for? Who's using it today?

Thousands of businesses and organizations are using PayZang today: Fortune 500 companies, rapidly-growing startups, consultants, services oriented businesses, law firms, non-profits, and everything in between. PayZang isn’t just for one particular kind of payment. Whether you’re charging for a service, selling physical goods, taking donations, or enabling payments for others, PayZang can work for you.

Are you a merchant account, or a gateway—or something else?

PayZang is a complete solution that replaces all of the above. If you work with the legacy payments industry you may need to integrate and interact with multiple vendors to accept payments online (a merchant account to receive funds, a gateway to submit payments, maybe even a third service to manage recurring charges). By contrast, PayZang is designed to be simple—we accept your payment data, and we deposit the funds in your bank account. As a result, you only need to work with us.

Why is PayZang better than the other options I'm considering?

Glad you asked! Here are some reasons that others have chosen PayZang:

  • PayZang is the only payments service you’ll need. You won’t need to find and 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 it quick and easy to integrate with PayZang.
  • Complete freedom to create the payment experience you want—your site or app, your workflow, your brand.
  • You can charge your users however you want: one-time purchases, subscriptions, metered billing, and event-based charges are all straightforward with our flexible API.
  • Competitive, crystal-clear pricing. We charge you one rate for each successful transaction. There are no additional charges for failed transactions, American Express cards, international cards, stored cards, or recurring payments. It’s easy to understand, easy to project, and without any surprises.
  • We shoulder the PCI compliance burden by ensuring that you never need to handle sensitive card data.

Can I use PayZang for just some of my payments?

Sure, if that makes sense for your needs! We only charge you for successful PayZang transactions—there are no setup or monthly fees, no account minimums, and no contract durations, so there’s nothing to lock you in. With that said, if you do find yourself in this situation, we’d love to learn why we’re not a good fit for all of your needs.

Will PayZang scale? Am I too big for PayZang?

PayZang is designed for businesses of every size, including Fortune 500 and publicly-traded companies. No matter your scale, PayZang will work for you.

I have more questions, what should I do?

We know this page just scratches the surface, and we’re eager to help however we can. You can find answers to more common questions and get in touch with us.

FAQ – Best Practices

These best practices are provided to help you with the integration and implementation process. We have put them in place both to assist with your set up and to assist us in helping you resolve any problems that may occur. For best results, use this as a guide when building and integrating your product.

Central Point of Contact: To facilitate ease of communication, it’s a good idea to assign someone to serve as the central point of contact when communicating with PayZang. This ensures you and your team understands what is happening in your business relationship with PayZang and keeps us apprised on important issues. It is crucial for someone in your organization to keep PayZang informed about schedules, changes to messages and any issues related to the PayZang system.

Good Documentation Equals Easier Maintenance: It is critical to document every step you take when working with our developer program, even if you experience no problems during integration and going live. This ensures anyone who maintains your system will understand what and why you did what you did. Even if you plan to maintain the system yourself, good documentation will allow anyone filling in to maintain the system correctly.

We recommend documenting:

Delivery Method: Document things like 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: DoWHAT IS THE GENERAL IDEA AT PAYZANG?cument 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’s also a good idea to document who received training and on what dates.
Go-live: Document all problems you might have encountered during the go-live phase. Include data about individuals who might have had problems with specific parts of the system in case of misunderstandings during training.

All this documentation will be useful if any future problems occur. You’ll be able to look at your documentation and identify if the problem has ever 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 always here to help!

FAQ – General

At PayZang, we truly want to make things clear and accessible for our developer clients. Whether you’re the business owner yourself, or working in the IT department, our FAQ should contain answers to some of the questions you may be asking.

While clients get used to our API, program and general system, there are inevitable bugs and issues to work out. Because we are fully committed to making PayZang work for you, we will always take the time to resolve these challenges. Happily, a glance at our FAQ can often point a client in the right direction, and suggest some possible solutions.

For many, the FAQ is a launching point for their partnership with PayZang. We hope to give you a sense of who we are, and make it simpler for you to form an informed decision about what products and services we can provide. When your questions become more specific, please never hesitate to present them to us. Our team is always glad to take the time to make PayZang work better for you.

If you’re considering PayZang as your payment processor, spend a little time looking through our FAQs, as well as the rest of our site. Hopefully, you’ll find that we offer the transaction solutions you’ve been looking for.

What happens during integration?

You will complete four stages during the integration phase. They include defining your delivery method; defining your messages; testing your system; and taking your system live.

Do I need a project manager to integrate my system?

It is entirely up to you whether or not you need to assign a specific person to handle the integration. Many larger organizations prefer to assign a single individual or tech team to take on this task while smaller organizations often choose to spread the tasks among several individuals.

What will I need to complete integration?

Basically, you only need to download our sample code with which to work. It can also help to arm yourself with lists of necessary tasks and any resources you may require for implementation. You can do this yourself or assign the task to other personnel. Remember to document the entire process so that you can identify and correct any problems that might occur.

Who do I contact for assistance?

Simply call or email PayZang anytime you require assistance during the implementation process. Any PayZang employee can help or direct you to the appropriate staff member.

Where can I find more information about integration and implementation?

Please refer to our integration process and implementation guide in the reference section of this site..

What does PCI-DSS mean?

This is an acronym for the Payment Card Industry Data Security Standard, a proprietary security standard for organizations that deal with cardholder information for any major debit and credit cards.

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 of the industry standards and is an important part of our commitment to an end-to-end security system.

Does your PCI-DSS compliance cover communications?

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 Web..

Do you use any additional encryption technologies?

Yes, we use RSA public and private 1024-bit key technology tWHAT ARE THE BEST PRACTICESo protect sensitive data as well as a proprietary cryptographic infrastructure for use in our servers. Our system utilizes unlock procedures to ensure that no single person can gain access to any of your customers’ sensitive data.

What are the fees associated with using PayZang's merchant services?

The answer to this question comes in four parts, each detailed below.
Card processing: Like all merchants, you must pay individual transaction fees, but PayZang does not charge set-up fees or monthly fees.
ACH processing: PayZang imposes no set-up fees or monthly fees for ACH services.
Payment Gateway: As with all of our services, you will not be charged any monthly fees or set-up 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 our API.

Does PayZang impose any hidden or surprise fees?

No, we never engage in this kind of business activity. You will always know up-front about the fees associated with any of our services.

How can I find out exactly what I will be charged for any of PayZang's merchant services?

You are encouraged to contact a PayZang representative for more detailed information about any fees you must pay. Many of our services are custom-tailored to each individual merchant, making it difficult to post the fees on our website. In most cases, you will learn about the necessary fees when you set-up your account with PayZang.

How do you protect sensitive data and prevent breaches?

Our secure infrastructure includes fully redundant servers and data centers and we maintain a certified compliant status with the most rigorous standards established by the industry. Our compartmentalized data and information security zones employ biometric management as well as on-site physical security 24 hours a day, every day.

What if your security measures fail?

In almost all cases, a failure will not occur, but should the unthinkable happen, our data centers are customized to withstand even the worst failures.

Would a failure negatively impact services?

Our protective measures make sure a security failure would have no serious negative impact on your services.

Can I do anything on my end to strengthen security even further?

When both parties involved in a business relationship care about security and data protection, it always improves existing measures. You can help by safeguarding your passwords, business information and customer data. Change your passwords often and store them in a secure location. You should also become accustomed to changing your secure transaction key on a regular basis for increased security.WHAT ARE THE BEST PRACTICES Feel free to contact PayZang with any questions or concerns you have about security.

FAQ – Terminology

In order to make sure you are able to utilize our API with the highest chance of success, it might be helpful to learn more about the terminology associated with our products.

ACH: Automated Clearing House is a network for electronic funds transfers, or e-checks. Types of payments include:
Direct deposits
Direct payment made for bills
National tax payments
Business-to-business payments
E-commerce and e-check payments

API Login: An ID assigned to access the API. It’s 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 the NSF status.

Authorization: A request from a merchant to make charges on a credit card, this is used only for credit cards. 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: This means 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: This stands for Component Object Model, 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 difficult way of integrating 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: This means Secure Sockets Layer, which 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.


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