Frequently Asked Questions (FAQ)
General
What is CardBizPay?
CardBizPay is an online payment gateway that facilitates secure and seamless transactions for businesses, allowing them to accept various payment methods such as MasterCard, Visa, Debit Card, FPX, e-Wallet, and mobile payments.
How does CardBizPay ensure security for online transactions?
CardBizPay complies with stringent PCI DSS security standards, assessed and certified by external Payment Application Qualified Security Assessors (PA QSA). It also adheres to guidelines set by Bank Negara, PayNet, and MyDebit to ensure secure online transactions and reduce the risk of fraud.
What payment methods are accepted through CardBizPay?
CardBizPay accepts a wide range of payment methods, including MasterCard, Visa, Debit Card, FPX, e-Wallet, mobile payments, and subscriptions, providing customers with flexibility and convenience during checkout.
Can merchants integrate CardBizPay with their existing apps?
Yes, merchants can seamlessly link their apps to the CardBizPay Payment Gateway, allowing for a smooth and integrated payment process for customers using mobile applications.
What features does the CardBizPay Merchant Portal offer?
The CardBizPay Merchant Portal provides a dedicated web portal for merchants to monitor transactions in real-time, access detailed data for informed business decisions, generate reports, and facilitate tax filing.
How can merchants receive transaction alerts with CardBizPay?
Merchants can opt to receive transaction alerts via SMS, email, or app notifications for every successful transaction, ensuring prompt notifications and efficient tracking of payment processes.
What makes CardBizPay a reliable online payment gateway?
CardBizPay stands out as a reliable online payment gateway due to its wide range of features and benefits. It offers a quick and easy checkout process, accepts various payment methods like MasterCard, Visa, Debit Card, FPX, e-Wallet, mobile payments, and subscriptions, and ensures stringent PCI DSS security compliance. Additionally, CardBizPay reduces the risk of fraud, provides chargeback prevention measures, supports recurring payments and subscriptions, and allows for easy expandability with the adoption of the latest payment solutions and e-wallets. With features like payment link generation, card tokenization, app integration, a merchant portal and dashboard for real-time transaction tracking, and dedicated customer support, CardBizPay has established itself as a trusted and efficient online payment gateway in Malaysia.
For Developer
How do I send the parameters to CardBizPay?
Parameters are typically sent through API calls to CardBizPay’s endpoint. Ensure that you include all required fields as specified in CardBizPay’s API documentation, using the correct HTTP methods (GET or POST) as outlined.
What details should I provide to CardBizPay before integrating a merchant account?
You may need to provide merchant information, API credentials, and configuration settings such as callback URLs. Consult with CardBizPay’s onboarding documentation for a comprehensive list.
What are request and response URLs?
Request URLs are the endpoints to which you send transaction data for processing. Response URLs (or callback URLs) are where CardBizPay sends the transaction status updates back to your system.
How do I conduct payment testing during the integration phase?
CardBizPay should offer a sandbox environment where you can test various transaction scenarios. Use test credentials provided and simulate various responses (e.g., success, failure) to ensure your system handles them correctly.
What transaction amount should I use for payment testing?
Specific amounts are recommended for testing scenarios. Check with CardBizPay if they provide exact values for testing different transaction responses.
I'm receiving an error message and can't access the CardBizPay payment page?
This may be due to an incorrect configuration, such as an invalid API key, URL mismatch, or other integration issues. Verify your setup and refer to the troubleshooting section in the integration guide.
Why am I seeing 'The return page URL does not exist' message in my web browser and unable to access the CardBizPay payment page?
This error usually occurs when the return URL (post-transaction redirect) is not correctly configured. Ensure that the return URL is accurate and that it’s registered within CardBizPay’s settings for your merchant account.
How can I confirm that the integration is successfully completed?
After testing in the sandbox environment, perform a few live transactions in a controlled environment to confirm that payments are correctly processed, and status updates are received without issues.
How can I update merchant details such as the URL, contact number, company name, and bank account number?
These details can usually be updated in the merchant portal or through a request to CardBizPay’s support. Some parameters may also be configurable via API, depending on the permissions provided.
What actions should be avoided after pressing the 'Proceed Payment' button?
Avoid reloading the page or pressing the ‘Back’ button as this may interrupt the transaction process or lead to duplicate entries. Wait for the system to complete the process and redirect you.
Is there a function in CardBizPay that allows me to query the payment status if my system does not receive a status update from CardBizPay?
Yes, you should have access to a query endpoint in the CardBizPay API where you can manually check the payment status based on the transaction ID. This can help in cases where the initial callback did not reach your server.
For Online Shopper
Why does CardBizPay appear on my billing statement?
CardBizPay may appear on your billing statement if you made a purchase through a merchant that uses CardBizPay as their payment processor. This is common for online transactions where CardBizPay handles payment processing.
What is a Security Code (CVC/CVV2) and where is it located?
The Security Code, also known as the CVV or CVC, is a three- or four-digit number found on the back of your card (usually for Visa, Mastercard, etc.) or on the front (for American Express). It’s used to verify that the person using the card is the legitimate owner.
Is it possible for CardBizPay to resend the confirmation email?
Yes, you can request CardBizPay or the merchant to resend the confirmation email if you haven’t received it after your purchase.
I haven't been able to reach the store. What should I do next?
If you’re unable to reach the store, you can try contacting CardBizPay for assistance, as they may have contact information for the merchant or be able to advise on the issue.
These FAQs don't address my question. What should I do?
If your question isn’t answered in the FAQs, reach out to CardBizPay’s customer support or visit the help section on their website for additional assistance.
Is it possible to return the purchased goods/services and receive a refund?
This depends on the merchant’s return policy. Generally, you should contact the merchant directly for return and refund options. CardBizPay may assist with transaction information, but they don’t control the merchant’s return policies.
I've been charged incorrectly. What steps should I take?
Contact the merchant first to clarify the charge. If the issue isn’t resolved, you can reach out to CardBizPay or your bank for further assistance.
How can I cancel my order and receive a refund?
To cancel your order, contact the merchant directly. Refund policies may vary, so it’s best to check with the merchant for specific procedures.
When can I expect my order to be delivered?
Delivery times are determined by the merchant. Check your order confirmation email for details or contact the merchant directly to inquire about the estimated delivery time.
Why was my payment declined?
Payment declines can happen due to insufficient funds, incorrect card information, or restrictions from your bank. Contact your bank or review the card details entered to resolve this.
I didn't make an online purchase, but I've received a confirmation email from CardBizPay. Why is this?
If you receive a confirmation email for a purchase you didn’t make, it may indicate unauthorized activity on your card. Contact CardBizPay’s support team and your bank immediately to investigate the transaction.
