Simple pricing, proportional to your use of the service.

Standard

Access our payment services easily.

Cards

Starts from

Cards 0,9% + €0,25

Onboarding

Up to 50€

3DS Authentication

included

DCC

included

ICC ++ pricing

Volume discount

PCI Proxy

Other pricing requests

Custom

Maximise your payment capabilities with our custom package designed to provide secure and tailored solutions to meet your unique needs.

SysPay answers your questions

Our innovative ICC++ pricing model includes four types of processing fees which are as follows:

    • Interchange fees, collected by the credit card issuing bank
    • Card network fees, set by credit card companies like Visa or Mastercard
    • Cross-border fees if applicable
    • Commission fees, fees incurred for our payment processing services

Onboarding costs correspond to activities related to the verification of the necessary documents and the activation of the processing functionalities.

Dynamic Currency Conversion (DCC) is a service that allows international buyers to choose to pay for a purchase in the local currency or their home currency when using a foreign payment card.

Funds settlements are executed on a weekly basis with 7 days delay and are sent to the bank account details you have indicated.

Statements can be viewed or downloaded from Processing > Statements report.

You can configure the email addresses you want to use with SysPay from your SysPay backend. Go to Settings > Notifications.

Bank account details are sensitive information and have to be verified by the SysPay Compliance team first. Please contact our account managers, support@syspay.com, in order to update this information.

SysPay will start submitting settlements to your new bank account as soon as the SysPay Compliance team has verified and updated your account settings.

You must have a minimum balance of €200 in order to receive a bank settlement. Account balances lesser than €200 will not be automatically settled

Chargebacks are a form of customer protection provided by the issuing banks. Each bank allows its customers to file a complaint regarding transactions that they deem unauthorised or fraudulent on their card statement. Once the cardholder files a dispute, the card issuing bank makes an investigation into the complaint and typically reverses the original value of the transaction to the cardholder.

Since, unfortunately, it is not completely unheard of that fraudsters abuse hospitality providers by staying at a property and then disputing the transaction (in essence getting a free holiday), it is advisable to take action to protect yourself from fraud by following as many as possible of the below steps:

  1. At checkin, take ID details, if the local law allows it, a photocopy of the ID card/passport – this is not only important for the sake of refuting chargebacks, but also in the unlikely event that the guests carry out criminal damage having his/her ID details would enable you to bring them to court.
  2. At checkin, make the guest sign a checkin form where their name and contact details are present. The amount billed as well as the first 6 and last 4 digits of the card should be displayed here as well. This way, if the client later disputes the charge you are able to produce this as signed receipt agreeing to the charge.
  3. Unless it is a corporate booking, it is always advisable to ask to see the card used for reservation at checkin, so that you can verify that the name of the cardholder matches the one of the guest who is staying in the accommodation.
  4. Be extra vigilant if there are mismatches, eg. client being from country A but using a credit card from country B, or customer providing false contact details

If you have received a chargeback you have the option to discuss with your customer and clear off any concerns they may have had for the transaction. Provided that the cardholder has received the services/ goods they have paid for, they should agree to the charges and you may ask for the payment to be made again.

For no-show disputes related to cancellation penalties, the onus is on the merchant to prove proper disclosure of the cancellation / refund policy to the cardholder before the latter committed to the transaction.

The Visa International Operating Regulations pages 646 through 649 stipulate that the cancellation policy be included and that a “click to accept” button be present on the site where the cardholder commits to the transaction. Purchase terms and conditions must be displayed to the cardholder during the order process either on the same screen as the checkout screen indicating the total transaction amount, or within the sequence of pages accessed by the cardholder before the final checkout. In cases where the cardholder is not present at the time of payment/ checkout, the merchant must still ensure that cancellation / refund policies are made available during the order process.

Therefore, please provide the anti fraud team with the marketing page link from where cardholders can make a reservation or screenshots of the sequence of pages leading up to a purchase.

Only verification fees, which are subject to VAT, are included in the monthly invoices.

All fees related to financial and payment transactions (authorisations, debits, refunds, etc) are tax exempt and will be directly debited from your account balance, but not included in your invoice…

Invoices can be viewed or downloaded from your SysPay backend, Invoicing > Invoices.

You can configure the email addresses you want to use with SysPay from your SysPay backend. Go to Settings > Notifications.

If you are solely a user of the Verification service, your invoices will be automatically paid through the payment method you have chosen to use when registering for the service.

If the Processing service is active, your invoices will be debited from the amounts you have processed using the processing capabilities, e.g. from your balance.

Refunds can be issued through:

  •   Our Secure Card Display,
  •   Operations report from your SysPay backend
  •   Partner software (if the partner has already implemented it)

Note that you need to have a positive and sufficient balance in order to process a refund.

Your customers will receive the funds to their card accounts usually 3 business days after the date on which the refund was initiated.

Note that refunds may appear in the form of a reversal. Meaning that the original payment will be cancelled/ netted off on your customer’s bank statement and a separate credit will not be issued.

Yes, all customers you have billed will receive a receipt for their payment via email, containing full transaction details (if email provided).

Here are the following reasons of a declined payment:

  •   Insufficient funds
  •   Card scheme not supported
  •   Blocked by anti-fraud
  •   Invalid payment data
  •   Max spending limit reached
  •   Online transaction not authorised on the card
  •   Card expired
  •   Stolen card
  •   Blocked by issuing bank

This information is accessible from your SysPay backend. Go to Processing > Statistics

Need more information?

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