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What is EPAY?
EPAY is an instant online payment gateway offering a multitude of Internet money transfer and e-commerce payment systems with the additional advantages of secured and instant online money transfer.

Is EPAY a Bank?
No, EPAY is not a bank and does not provide any banking service. EPAY is an online payment and exchange company and operates with virtual units within the members network - EPAY Dollars and EPAY Euros.

How can I open an EPAY account?
Click on the Open Account link on the home page and fill in the online application form. Account opening process is close to instant.

Does it cost anything to open EPAY account?
Opening an account with EPAY is absolutely free.

What can EPAY offer?
EPAY is a unique system facilitating all major ways of financial transactions. With an EPAY account, you can do financial transactions from any country in the world. You can send and receive money from any country, control your account and all monetary transfers online including recurring/subscription and multiple transfers, use EPAY cards including virtual VISA cards, virtual debit MasterCard cards, exchange digital units using bank wire, e-gold, pecunix, send SMS and make SMS payments, send invoices to any mobile phone worldwide and/or to any email, and other EPAY financial services. With such an all-inclusive service offering a single EPAY account is more than enough to satisfy the needs of regular users or entrepreneurs.

What is Fund?
Fund refers to purchasing EPAY digital units for your EPAY account. You can choose from several options including bank wire, e-gold, pecunix to fund your EPAY account.

What is Withdraw?
Wothdraw refers to selling your EPAY digital units which you have in your account. You can withdraw using bank wire, e-gold, pecunix.

How can I send/spend money from my EPAY account?
EPAY offers a variety of cards including single, recurring/subscription and multiple transfers to other members, EPAY virtual VISA and MasterCard credit cards and EPAY debit cards for you to spend money with. You can also withdraw money from your EPAY account using bank wire, e-gold, , pecunix and the list is ever expanding.

Is there any EPAY debit card limits?
Yes, there are limits and they are clearly explained in Fund a Card page.

Is EPAY secured?
EPAY utilizes all latest technologies in data encryption, backup storage, 128 bit https account access, IP protection, passwords, digital signatures and more so that monetary transactions would be completely secured and fast.

Where can I use EPAY virtual credit card?
EPAY virtual VISA or MasterCard credit cards can be used for online purchases wherever credit card is accepted: Google, Paypal, Ebay, Google Adwords, millions of online shops.

Can I reload my EPAY virtual credit card?
EPAY offers two types of cards: virtual VISA credit card comes with a preloaded balance. You cannot reload your EPAY virtual credit card by order for a new one, while virtual MasterCard is reloadable and can be reloaded anytime for any amount.

Do I need to pay any security deposit for any EPAY card?
No security deposit is required to use EPAY cards. You can utilize the entire amount that you transfer to this card.

Can I use my EPAY virtual credit card for Paypal verification process?
Yes, you can verify your Paypal account using EPAY virtual credit cards.

Do I need to have an ID to use EPAY card service?
EPAY values your privacy and therefore virtual non reloadable credit card does not require identification in order to use it. Other cards do require ID in accordance to laws and regulations. You can see the exact requirements on the card activation page in online area.

What should I do if I lose my password?
Click on the forgot password link on the homepage. You will be prompted for your email id with which you have registered in EPAY. Once your email id is verified, EPAY will send you a new password instead of the old one for security reasons.

Does EPAY offer referral program?
EPAY has an affiliate program where you earn 10% commission from all transaction fees of all new members you refer. Your own website is very simple to remember: Online Money Transfer: Money Transfer Services, Virtual Debit Cards, Credit Cards where 123456 is replaced with your EPAY account number. You should give this link to your friends, pals, partners, etc. in order to sign up for EPAY account. Once they sign up - you will be able to track their activity and your commissions earned from each member in the Affiliation page.

When do I start receiving my affiliate commission?
You start earning right after your referred members start transacting using EPAY. Commissions are transferred to your account after each transaction of your downline members is completed.

Please note that in case affiliate commission is less than 0.01, 0.00 commission will be shown in your account history.

What is IP protection and how does it strengthens EPAY security?
For security reasons, EPAY records the IP address from which you have registered. If you are using the same IP you can log in instantly to your account, but if you are using a different IP address, EPAY will instantly send you a special number/word to your registered email address, which you will have to input during the log in process in order to enter your EPAY account. This ensures that you are the owner of the account and all other log in attempts are not allowed.

How can my clients pay to me through EPAY?
You can implement a Merchant Interface on your website or can give your EPAY account number to your clients.

If you want to accept payments from non EPAY members: as a new option now it is not mandatory for your clients to have an EPAY account, and they can send money to your EPAY account by bank wire, e-gold, pecunix through the link on EPAY home page.

How can I change my password?
Simply click on Forgot Password, fill in the email id with which you have registered with EPAY and you receive your new password in your email.

Can I change/modify the email address with which I have registered?
You can change your email address in the Account info section.

How long does it take to receive a debit card once an order is accepted?
Debit card orders are normally prossessed within 2 weeks and sent by registered mail (tracking number supplied), expect the card to reach you in about 1-2 weeks depending on your country of residence. Additionally you can order courier delivery. In this case delivery will be faster.

Can I start using my debit and virtual credit card right after receipt?
Once received, first you need to activate, then fund your card in the fund a card section for the amount within your EPAY account balance.

How many cards can I have?
You can have as many cards as you want within a single EPAY account. However it is obligatory to activate cards under different profiles in the same account.

Are transactions reversible?
Once debited from your account, you cannot cancel any transaction. Hence, you are requested to doublecheck each transaction.

How can I know that the transactions is fulfilled?
When the transaction is fulfilled you will see Done in your account History next to this transaction. Manual transactions (withdrawals) are set to Accepted when you place your order, and are set to Done when the order is fulfilled.

Can I receive a confirmation to my email when the order is Done?
Yes, you can set this option in Account Info.

How fast are Funding options fulfilled?
E-gold and Pecunix funding transactions are instant. Wire transfer transactions are fulfilled the same day when the wire transfer is received.

How fast are Withdrawal options fulfilled?
E-gold and Pecunix withdrawal transactions are fulfilled twice a day. Wire transfer withdrawal transactions are fulfilled once a day.

How fast are Transfers to other members fulfilled?
Single and multiple transfers between members are instant. Recurring/subscription transfers are fulfilled in accordance with the set parameters (daily, weekly, monthly, yearly) at 00:05 AM.

How fast are SMS services fulfilled?
Send SMS, Mobile Payments, Invoice by SMS and Pay for SMS Invoice options are instant. Balance by SMS service is fulfilled in accordance with set parameters (daily, weekly, monthly, yearly, on date) at 00:05 AM.


What is Online Money Transfer: Money Transfer Services, Virtual Debit Cards, Credit Cards

Online Money Transfer: Money Transfer Services, Virtual Debit Cards, Credit Cards is operated by EPAY Inc. – a Panama company. EPAY Inc. is registered in Panama (No. 898161-1-514361 DV 1) and licensed by the Ministry of Finance (No. 898161-1-514361-2007-98107) to conduct financial services, e-wallet services, money transfer services, electronic payments processing, selling and funding debit cards, virtual credit cards and other related activities.


How is EPAY Inc. website protected?

Website is screened on a daily basis by an independent security company for over 19,000+ vulnerabilities with 24/7/365 online support which is the best online protection currently available.

Smart backup includes a daily complete backup of all data and information including all transactions on a separate independent server.

Superior hardware-based firewall with 24/7/365 live support protects the website from all kinds of attacks from the most simple to the most severe, and ensures the site to be unaffected and not slowed down in case if such happens.