General | Products & solutions | Merchant account | Risk & fraud | ISOs & agents

In order to understand eMerchantPay’s application and integration processes and services, this section is intended to answer the most Frequently Asked Questions.


We are able to process payments from consumers all over the world and our payment gateway allows us to sign up merchants globally.

Together with our acquiring banks we can process the following currencies:

  • USD US dollar
  • EUR Euro
  • GBP British pound sterling
  • SEK Swedish crown
  • CHF Swiss franc
  • DKK Danish crown
  • NOK Norwegian crown
  • BRL Brazilian real
  • KRW South Korean won
  • JPY Japanese yen
  • ZAR South African rand
  • PLN Polish zloti
  • TRY Turkish lira
  • HKD Hong Kong dollar
  • CAD Canadian dollar
  • ISK Icelandic crown
  • INR Indian rupee
  • AUD Australian dollar
  • AED UAE dirhams
  • BGN Bulgarian leva
  • CZK Czech koruna
  • HUF Hungarian forint
  • LTL Lithuanian lita
  • LVL Latvian lat
  • NZD New Zealand dollar
  • PHP Philippine peso
  • RON Romanian leu
  • RUB Russian ruble
  • SGD Singapore dollar
  • SKK Slovak koruna
  • THB Thailand baht
  • TWD Taiwan new dollars
  • UAH Ukraine hryvnia
  • VND Vietnamese dong

We can settle in the following currencies:

  • USD US dollar
  • EUR Euro
  • GBP British pound sterling

We cater to the following industries:

Please note that eMerchantPay is constantly expanding its client base and exploring new industries. Contact a sales representative and find out what we can do for you.

Yes, in fact, this is our specialty. Contact a sales representative and they will discuss the options with you.

Our merchant account specialists will address any questions or concerns you may have within 24 hours.

Products & solutions

Alternative Payment Methods refer to payments that are used as an alternative to credit card payments. Most APMs address a specific domestic economy or have been specifically developed for e-commerce. These payments allow web-based merchants to accept online non-credit card payments and to access non-domestic markets. eMerchantPay offers a range of Alternative Payment Methods and processes payments in over 140 currencies worldwide.

eMerchantPay offers merchants fully outsourced solutions and hosted payments where merchants can choose to partially or entirely outsource their billing process to us. We offer these services through a software solution built under the eMerchantPay gateway. These services are offered under two options: eMP Checkout and eMP Direct.

eMP Checkout is a fully outsourced solution. Here, the customer starts the checkout process on the merchant’s web site, but completes the payment on eMerchantPay’s hosted payment page. The look and feel of the payment page can be customised by merchants to fit their needs.

Our eMP Direct solution is a direct outsourced solution where merchants are able to operate under their own brand name and web site although the payment page is hosted on eMerchantPay’s servers. Here, customers stay on the merchant’s web site during the whole purchase process, providing them with a highly transparent experience.

Yes, ask your sales representative about the options.

Merchant account

First, you would have to contact a sales representative. They will have an exploratory conversation with you and will inform you of the possibilities. After this conversation, the sales representative will conduct an initial screening together with the risk department and will then send you a Merchant Application Form (MAF). You will return the filled out MAFs, together with the requested documents confirming structure, ownership and operation of your business.

The MAFs will then be screened for approval by our own risk and underwriting departments and the acquiring bank(s). If approved, our tech department will set you up with a test account and once the testing phase is completed, your merchant account will go live.

Check out our video on merchant accounts for more information: What is a merchant account and why do you need one?

eMerchantPay, as a registered ISO, requires the minimum of documents required by all financial authorities, depending on the business applying for a merchant account. If you have any questions or concerns, please feel free to contact our professionals at sales@emerchantpay.com.

Go to https://my.emerchantpay.com and log in using the credentials that our Underwriting department provided you with.

Contact your dedicated account manager and they will solve your issue promptly.

Risk & fraud

eMerchantPay’s payment gateway is a state of the art, secure, centralised, Internet-based application that is constantly updated with the most recent security technologies. All data streams are managed and directed in real-time and are embedded with a 2048-bit Secure Socket Layer data encryption key. Moreover, eMerchantPay’s gateway is registered as Level 1 PCI DSS Compliant, which ensures a robust payment card data security process, including prevention, detection and appropriate reaction to security incidents. This security is applied to all payments, including APMs. For more information on PCI DSS Compliance, please click here.

The extent to which the payment service provider complies with the Payment Card Industry Data Security Standard (PCI DSS). All organisations that pass, hold or process cardholder information need to comply with these rules.

Please see a brief summary of these below:

  • 3D Secure payer authentication – Verified by Visa (VbV) and MasterCard SecureCode
  • Address Verification Service (AVS) – verifies the cardholder’s billing address by comparing it to the one on record at the credit card company
  • BIN country check – cross-checks whether the card issuer’s country matches the one provided by the cardholder
  • Device fingerprinting – a combination of third party tools that helps to identify users’ identities coming from the same (mobile) device, as well as identifying the true IP address, geolocation and if hidden proxy addresses have been used
  • Telephone authentication and verification – a tool supported by a third party provider, fully integrated with our system that maintains a detailed database of shoppers. It also creates automated voice calls or SMS texts with a one-time PIN code that consumers use for authentication at the checkout page
  • Negative lists and blacklists – a proprietary database including blacklisted card numbers, and IP and email addresses
  • Positive lists and whitelists – accept transactions based on matching cardholder information from your own eMerchantPay databases
  • Unique fraud management system – real-time transaction technology with extended customisation options for the merchants
  • Transaction thresholds and limits – predefined limits for a transaction, including minimum and maximum amount, and limits per approved transactions per day, week and/or month
  • Velocity checking – stops repetitive attempts with the same credit card within a specific period of time

Our risk management, fraud-scrubbing and prevention services allow for full customisation to provide the appropriate fraud-scrubbing tools for your business and to reduce costs effectively.

3D Secure is a protocol that is designed to provide an additional security layer for online debit and credit card transactions. Visa offers this service under Verified by Visa and MasterCard’s service is called SecureCode.

Credit risk is a risk of financial loss arising from negative cash flow generated by refunds, chargebacks or penalties when processing credit cards. The credit risk and financial loss are born by the acquiring bank and the processing company. To mitigate the credit risk a percentage of gross sales is usually held for 6 months and then released after the hold period ends. These reserved funds are called rolling reserves.

The usual rolling reserve percentage is 10%. Rolling reserve is usually taken from gross sales or net sales, although some banks may deduct rolling reserves from the weekly net settlement amount due to the merchant.

Yes, you can compile a list of blocked countries in our fraud module.

ISOs & agents

Yes. For a customised offer, please submit your request to sales@emerchantpay.com, along with a detailed description of the client’s operation and the kind of offer that you are looking for.

eMerchantPay provides detailed reporting about the performance of each merchant introduced by ISOs and Agents as part of our service.

All ISOs/Agents get access to our payment gateway where comprehensive reporting is available. You simply access the transaction tab on the gateway interface and define your search parameters.

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