www.niftypay.com 
NiftyPay: Accept Credit Cards Online, Securely, in Real-Time |
- Important Preliminary Information
- How NiftyPay Works
- NiftyPay Features
- How to Begin
- Frequently Asked Questions
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Use of NiftyPay or NiftyPay 2 Play requires a credit card merchant account (CCMA). Click here for more information about this.
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1. Customer completes your online order form, providing credit card information.
2. Submitted form is transferred via a secure SSL socket to NiftyPay's secure server.
3. You receive real-time online authorization from NiftyPay's server.
4. Order confirmation email is sent to you and your customer.
5. Customer's credit card is debited; your bank account is credited.
6. The transaction appears on your customer's credit card statement, serving as a receipt. 
- Real-Time Credit Card Verification
- No Hardware or Software Required
- No Secure Server Required
- Accept Credit Cards by Phone or Fax, Too
- No Transaction Fees
- NiftyPay XML Enhanced Gateway Option
Real-Time Credit Card Verification
NiftyPay is the most advanced, secure, and reliable method for accepting credit cards online. The NiftyPay system enables merchants to verify and process credit card orders online in real-time. Merchants also have access to many useful interfaces, such as online manual order entry and online credits to customer accounts.
NiftyPay's advanced technologies enable you to easily accept both checks and credit cards using your existing web site, credit card merchant account, and online order forms. Your web site can be hosted on any server without compromising the security of your customers' data.
No Hardware or Software Required
NiftyPay can be quickly and easily integrated into your existing online order forms. No software or hardware is required by you or your customers! Once NiftyPay is in place on your site, your work is done. When a customer places an order on your site, you and your customer receive immediate verification of the order. The information you receive includes the customer's name, address, phone number, e-mail address, items ordered, and the order total.
NiftyPay's technology gives you the flexibility to choose from the major credit card processing networks. (See list of networks supported.) Furthermore, NiftyPay merchants do not require their customers to download software (wallets) or subscribe to an online payment service! All information is entered online and processed securely in real-time. Responses are returned to you and your customer within 10 to 30 seconds, depending on the speed of the individual connections.
NiftyPay's system enables any online merchant to allow real-time purchases on their site. There is no need for expensive credit card terminals or point-of-sale software.
Eliminate the Need for Your Own Secure Server
Since NiftyPay offers complete security on any Internet site, there is no need for you or your customers to worry about Internet Commerce fraud. By using NiftyPay, you eliminate your need for a secure server.
NiftyPay's system enables your customers to order online without ever having to transmit their account information over a non-secure Internet connection. NiftyPay is designed specifically for the Internet using a proprietary system, PGP encryption and SSL. You do not need to invest in any security features for your site. (Detailed explanation of NiftyPay's security.)
Accept Credit Cards by Phone or Fax
NiftyPay also enables you to accept credit cards by phone or fax, then enter the customer's payment information via the online virtual terminal (aka merchant control panel). There is no additional cost for this service.
No Transaction Fees
NiftyPay does not require additional transaction fees and/or order percentages.
note: the entry level "NiftyPay 2 Play" service requires per transaction fees (30 cents each) to keep the entry costs down for those merchants that do only a few transactions per month but do not want the overhead of the monthly processing expenses.
NiftyPay XML Enhanced Gateway Option
NiftyPay XML allows you to submit payment information without the customer leaving your web site. Requires a small additional monthly fee and SSL capabilities on your web site.
note: not available with the "NiftyPay 2 Play" service.
- Register with NiftyPay or NiftyPay 2 Play (if you haven't yet done so).
- Ask for a credit card merchant account (CCMA) at the time of registration; or if you already have a one, ask your CCMA provider which processing network your CCMA utilizes.
- Contact the processor for the information requested in the NiftyPay Setup in our Merchant Control Panel - Credit Card Setup (requires account to access).
- Complete your NiftyPay setup and credit card setup by following the instructions in various areas of the online merchant control panel.
