FAQ: Introduction to ePay
What is ePay?
ePay is a PSP (Payment Service Provider) with more than 20 years of experience with online payments.
Can I buy an online shop at ePay?
No, ePay is a payment company, and we focus solely on the operation of our payment solutions. We do not offer hosting or shop systems.
Do I need a taxID/CVR number?
Yes and no. Your company must be registered to get an acquirer agreement. But you can sign up for a free test account and try our payment window without being registered.
What is an acquirer?
An acquirer is a bank which takes care of the money transfer from the customer’s account to your account. To accept card payments online you need an agreement with an acquirer (an acquirer or merchant agreement). Please note that an acquirer agreement for physical sale cannot be used for online business.
Can I try and test ePay's system?
Indeed. Sign up for a free test account, and you can try it all and see how it works. If you choose to keep your account and use ePay as your payment gateway, we‘ll upgrade your test account to a production account.
A test account is completely free. You don't start paying until you accept real payments.
How much does it cost?
Our prices depend on your type of account and the solutions you choose. You can find our prices here (Danish).
At ePay, you pay a set-up fee (which is a one-off payment), a monthly subscription fee, and a fee per transaction.
However, a test account is free, and you can try it all out before you decide whether you want to use ePay. You don’t start paying until you accept real payments.
What is Fraud Fighter?
Fraud Fighter is ePay's very own security product which protects your business from fraud and misuse.
Read more about Fraud Fighter here.
Can I change from another payment gateway to ePay?
Indeed, you can. You can use your existing acquirer agreement, and all you have to do is create a ePay account. Please state that you’re shifting from another payment gateway, and state which one.
Using two payment gateways in the transitional period is not an issue.
Contact us if you have more questions.
How do I cancel my subscription?
To cancel your subscription, go to Invoices -> Terminate subscription in your ePay administration. We’d appreciate it if you’d state a brief explanation.
If you forgot your login details, please click here.
Why does it say ePayment Service Europe AB on my bank statement?
If you see the name ePayment Service Europe AB on your bank statement, please be aware that this company has nothing to do with us (ePay).
Customers have informed us that after ordering ink cartridges from a site called InkClub.com, a withdrawal from ePayment Service Europe AB shows up on their bank account.
If they’ve charged you money and you didn’t receive any product, go to your bank and have them refund the amount.
What is PCI?
What does it mean that ePay is PCI compliant?
PCI is short for Payment Card Industry. The PCI standard is an international security standard called the Payment Card Industry Data Security Standard (in short, the PCI DSS).
The PCI standard was developed in 2005 by the Payment Card Industry Security Standards Council, which is a council formed by the five largest payment card providers in the world: Visa, MasterCard, American Express, JCB, and Discover. The goal of the standard is to increase the level of security for online payments and create common security requirements across the payment card industry.
The PCI standard specifies a number of requirements for how payment card information is managed, stored, and transmitted. As a Payment Service Provider, ePay must meet the requirements of the standard, and we are PCI Level 1 compliant, which is the highest level of security within the standard.
Once a year, an external agency validates our security policies and ensures that we comply with the 200 security controls of the PCI standard.
Read more about the PCI standard on www.pcisecuritystandards.org. You can find the requirements and the 200 security controls in this document.
Is ePay affected by SSLv3 POODLE attack?
No. We do not accept this type of vulnerability on our platform.
POODLE attack is a vulnerability in old browsers that allows hackers to access data for users with older browser versions.
If you are using an older version of your browser, you might see an error message about the connection failing to be established. This can occur for the payment window as well as the ePay administration.
To solve it, upgrade the old version of your browser on your computer to the newest version or simply switch to another browser.
Read more about the POODLE attack here: https://isc.sans.edu/forums/diary/OpenSSL+SSLv3+POODLE+Vulnerability+Official+Release/18827
Do I have to include a link to ODR?
No later than February 15, 2016, all European webshops must link to the new European dispute resolution platform.
We recommend that our customers place a link to ODR in their terms and conditions.
Currently, we’re not planning to include a link to ODR in our payment window.
You can read more about the ODR platform here: http://ec.europa.eu/consumers/odr/