Questions & Answers
PAYware Mobile frequently asked questions
We've compiled the most common questions about PAYware Mobile.
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Frequently Asked Questions
General FAQ's
What do I need before I can start taking payments with PAYware Mobile?
You'll need an iPhone 4, iPhone 3G, 3GS and a merchant account - we provide the rest. If you don't currently have a merchant account, we can point you to one of our trusted card processing partners.
Which iPhone models does PAYware Mobile support? Is iPad or iPod Touch supported?
PAYware Mobile works with iPhone 3G and 3GS, and most recently with iPhone 4. Because of the significantly different form factor of iPhone 4, an adapter plate is required that slides easily into the card encryption sleeve and clicks into place. If you have iPhone 4, make sure you purchase the card encryption sleeve that is compatible with iPhone 4. It is clearly labeled on the outside of the box. At this time, it is not backward compatible with older iPhone models.
The PAYware Mobile app is also compatible with iPad and iPod Touch, but not with the card encryption sleeve. Manual card entry is required with these devices.
What is a merchant account?
This is an agreement between a retailer/merchant (like yourself), a merchant bank and payment processor for the settlement of credit card and/or debit card transactions.
Are there plans to offer the solution on other devices such as BlackBerry, Android or Windows Mobile?
The PAYware Mobile app is available in the BlackBerry App World and the Android Market, but not available for use with the card encryption sleeve. Manual card entry is required with these devices. We have plans to launch a card encryption sleeve for these smartphones in the near future.
What are the benefits of using PAYware Mobile?
PAYware Mobile allows you to securely accept credit cards - anywhere, any time - on your iPhone. Never lose a sale because of the inability to accept credit cards.
What payment types does the application support?
The PAYware Mobile application supports credit card and "check" card transactions.
Sales FAQ's
I already have a merchant account. Will my account work with PAYware Mobile?
PAYware Mobile uses VeriFone's PAYware Connect payment gateway to process payments. Since the payment gateway is certified to process with virtually any payment processor, it is very likely that you can maintain your existing merchant account.
Where do I buy the encrypted card reader and the application?
The PAYware Mobile encrypted card reader is available through select VeriFone distributors and retailers Apple and Best Buy. The application is available on the App Store.
Is PAYware Mobile available without a contract?
PAYware Mobile is available with pricing and contract options designed to meet your needs. Seasonal and short-term options are available. When you set up your merchant account, we will provide you with the best options to meet your business needs.
Is the PAYware Connect gateway fee invoiced separately?
Merchants will receive one consolidated invoice from their merchant services provider.
Am I required to use VeriFone's PAYware Connect payment gateway?
PAYware Mobile works in conjunction with the PAYware Connect gateway, and does not currently support other payment gateways.
In addition to the PAYware Connect gateway fees, what other types of fees can I expect to pay?
Merchant service providers provide the financial linkage between you, your customers, your bank and the credit card companies. Fees and fee structures will vary, but you can expect that every merchant processing account will include:
Discount Rate: This is the percentage of the transaction amount you will be billed for the transactions you process. Rates vary based on certain risk criteria usually categorized into "Qualified", "Mid-Qualified" and "Non-Qualified" tiers.
In addition, rates vary depending on your type of business, whether or not you swiped the customers card through the reader and other factors that can be explained in further detail by your merchant account provider. To ensure that you get the lowest fees possible, always swipe the customer's card through the PAYware Mobile reader, and be sure to include all the required information whenever processing a transaction.
Data Security FAQ's
Is the PAYware Mobile payment application secure?
Yes. Like all VeriFone products, PAYware Mobile goes through third-party testing and validation and was designed to strict industry guidelines and best practices for payment applications. In conformance with those guidelines and best practices, your customer's account information is truncated on all data fields and reports. In addition PAYware Mobile uses the de facto industry standard for card encryption, VeriShield Total Protect, to encrypt data as the card is swiped, thus ensuring no compromise of card information.
What is end-to-end encryption, and why is it important?
Security is paramount at VeriFone, which is why we've built industry-leading technology into PAYware Mobile from the start. End-to-end encryption is used to protect your customer's card information the instant you swipe their card. The card data is encrypted in transit to your credit card processing company. This prevents sensitive card data from ever entering the iPhone or being intercepted in-transit.
Other vendors claim that their applications also encrypt credit card data. Why is PAYware Mobile different?
PAYware Mobile uses end-to-end encryption based on secure hardware that conforms to the same stringent security standards in use today at ATM's and traditional Point of Sale Terminals that you use every day at large retail locations around the country. Other vendors are using a common form of encryption referred to as "SSL." Unfortunately, SSL has a couple of drawbacks:
1) SSL is a software-based encryption method that is only secure if your phone has not been hacked or otherwise compromised.
2) SSL only protects your customer's information during the transmission over the wireless network. PAYware Mobile encryption protects your customer's information at the exact instant of card swipe, securing it inside the phone and over the wireless network, providing protection at virtually any point where it could be stolen.
Technical FAQ's
How does it work?
The PAYware Mobile software application handles the communication between our secure payment gateway, PAYware Connect, and your device. The app works in conjunction with PAYware Connect and offers a variety of benefits such as transaction reporting and VeriShield Protect data encryption.
The PAYware Mobile encrypted card reader for iPhone installation is easy. The sleeve simply plugs into the iPhone 4, 3G/3GS dock connector and cradles the phone. Downloading the application is easy as well - iPhone users can simply download it from the iPhone App Store as they would any other app.
Is the PAYware Mobile app compatible with iOS4?
PAYware Mobile v1.0004 and later is compatible with Apple's iOS 4 mobile operating system. To install PAYware Mobile, simply enter the App Store from your iPhone. The update notification will display in the lower right area of your screen. Touch Update and then touch Install from the PAYware Mobile App Store listing. Once the update has been installed, you will be processing transactions as normal.
What happens when you receive a call during a transaction?
When a call is received during a transaction, the user will be prompted to answer or decline the call. After the user completes the call, they are prompted to reenter their password for the application and the transaction can be resumed.
How do I configure PAYware Mobile?
Our partners will help you configure the app and gateway. In addition, we provide a comprehensive user guide (at left) to take you through installation, setup, and use of the application, card encryption sleeve and the merchant portal on the payment gateway.
Features FAQ's
Can I print a receipt for the customer?
PAYware Mobile does not include a receipt printer. However you can easily configure customized receipts to be emailed to your customer. A record of the transaction is accessible in the application and the PAYware Connect online portal, where you can reprint receipts and view transaction history.
Receipts contain all necessary information required by payment processing regulations. The headers and footers of the receipt are customizable via the Merchant Portal on the PAYware Connect gateway.
Can I include a tip with a sale?
Adding tips is easy. You can enter a specific amount or the application can calculate the tip based on a percentage of the sale.
What about sales tax?
PAYware Mobile includes the ability to specify what tax percent to use for each sale. This can be changed on the go, since tax rates vary from place to place.
Activation & Registration
How-to: Activate PAYware Mobile
In order for you to use your PWM application, you must have an active merchant account for PAYware Mobile.
If you have an active merchant account for PWM, you would have received an activation email from support@ipcharge.com
If you have received an email from support@iphcarge.com view this video:
If you have not received this email, Click here
If you have an active merchant account for PWM, you would have received an activation email from support@ipcharge.com
If you have received an email from support@iphcarge.com view this video:
If you have not received this email, Click here
How-to: Register PAYware Mobile
Before you can proceed with registration and setup of the PAYware Mobile application, you have to make sure that you have completed the activation process.
If you have already activated your account (received an activation email and completed the process) view the following video.
If you have not activated your account, please view the FAQ listed above.
If you have already activated your account (received an activation email and completed the process) view the following video.
If you have not activated your account, please view the FAQ listed above.
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