Payment Solutions
Why pay for "extras" that should be part of a standard service? Integrating Merchant Warrior into your website and/or payment application will give your business the edge that it requires to process payments in a robust and secure environment that is trusted by 10,000+ merchants.
Apple Pay
Allow your customers to make fast, simple and secure purchases with their IOS devices.
Apple Pay
Allow your customers to make fast, simple and secure purchases with their IOS devices.
Why use Apple Pay?
Apple Pay enables merchants to provide a secure and seamless payments experience for customers who have a supported Apple mobile device on participating websites in Safari or in-app.
Payments can be initiated by customers via touch to speed up the payments experience and Apple uses a tokenization service to secure the payment and ensure the process is PCI DSS compliant.
How does it work?
1
Your customer is presented with a 'Buy with ApplePay' button at checkout or in-app.
2
Your customer presses the 'Buy with ApplePay' button and the payment is securely processed.
3
The outcome of the transaction is sent back to your website, app or billing software.
Key features
Simple integration
Touch payments
Prevents fraud
Quick checkout
Google Pay
Allow your customers to make fast, simple and secure purchases with their Android devices or over the web.
Google Pay
Allow your customers to make fast, simple and secure purchases with their Android devices or over the web.
Why use our Google Pay?
Google Pay enables merchants to provide a secure and seamless payments experience for customers who have payment methods attached to their Google account .
Payments can be initiated by customers via biometrics to speed up the payments experience and Google uses a tokenization service to secure the payment and ensure the process is PCI DSS compliant.
How does it work?
1
Your customer is presented with a GPay button at checkout or in-app.
2
Your customer presses the GPay button and the payment is securely processed.
3
The outcome of the transaction is sent back to your website, app or billing software.
Key features
Simple integration
Touch payments
Prevents fraud
Quick checkout
PayID
Generate unique payment identifiers for customers and receive instant bank transfers
PayID
Generate unique payment identifiers for customers and receive instant bank transfers
Why use our PayID?
PayID enables merchants to generate unique payment identifiers for all customers and/or invoices. Customers are able to make bank transfers using unique payment identifiers and merchants can receive the funds in real-time 24 hours a day, 7 days a week (including public holidays). This new functionality available to the Australian market gives merchants the power to automate legacy bank transfer implementations, and resolve reconciliation issues.
How does it work?
1
You generate a unique payment identifier.
2
Your customer sends a bank transfer using the identifier.
3
You are notified and receive the funds in real-time.
Key features
Unique payment identifiers
Instant bank transfers
Automated reconciliation
Avoids fraudulent chargebacks
BPay
BPAY® is an easy and secure way to manage your bills with one payment method all through your online or mobile banking
BPay
BPAY® is an easy and secure way to manage your bills with one payment method all through your online or mobile banking
Why use our BPay?
BPay provides a billing solution to Australian merchants that enables their customers to pay via their internet or mobile banking platforms. This particular payment method has features in place to assist with scheduling payments and avoiding mistaken payments via a unique referencing system.
How does it work?
1
You place your BPAY reference number on a bill.
2
Your customer pays their invoice via internet or mobile banking.
3
You receive a notification to automate reconciliation.
Key features
Automated reconciliation
Avoid reference errors
Same day settlement
Payouts
Push funds from your business bank account to other business or consumer bank accounts in real-time
Payouts
Push funds from your business bank account to other business or consumer bank accounts in real-time
Why use our Payouts?
The MW Payouts product enables businesses to push funds from their Bank account(s) in real-time via APIs. Merchants can push funds to business accounts or consumer accounts in real-time will fallback support. By powering the product will the latest industry technology, merchants are not required to hold a float of funds with Merchant Warrior and simply push funds directly from their nominated Bank account.
How does it work?
1
You integrate Payouts into your platform
2
You initiate payouts to consumers via API
3
We pull and push funds in real-time
Key features
Send funds in real-time
No float of funds required
Automatic fallback support
Simple integration
Direct API
Process real-time payments and seamlessly integrate with any billing solution or payment implementation
Direct API
Process real-time payments and seamlessly integrate with any billing solution or payment implementation
Why use our Direct API?
The Direct API Integration enables merchants to process credit card, bank account and check transactions in real time directly through any ecommerce solution such as shopping carts, web pages and other billing softwares. Merchants are given the ability to maintain their own branding whilst utilizing the Merchant Warrior Payment Gateway to process online transactions.
The Direct API solution can be extensively customized for a seamless integration that ensures that the merchant's customers remain under the impression that the merchant processes all transactions themselves.
How does it work?
1
Your customer enters their payment information into your website or billing software.
2
You compile a transaction with your customer's payment information and submit it to the Direct API for processing.
3
The outcome of the transaction is sent back to your website or billing software.
Key features
Customer stays on your website
Simple integration
Dynamic Currency Conversion
Multi Currency
Fraud detection & prevention
Hosted Payments
Allow us to take care of your PCI DSS compliance requirements via a customized secure hosted payment page
Hosted Payments
Allow us to take care of your PCI DSS compliance requirements via a customized secure hosted payment page
Why use our Hosted Payments?
Merchants who do not wish to accept and store credit card information for security reasons will find that the Merchant Warrior hosted payment page is the perfect companion for their website. The Merchant Warrior hosted payment page takes advantage of Merchant Warrior's Tier 1 PCI DSS certification, which enables merchants to process online transactions via a secure payment page.
By utilising the Merchant Warrior hosted payment page merchants pass on the responsibility of storing, processing and transmitting the credit card data to Merchant Warrior. This product is hosted by Merchant Warrior and as such all major PCI responsibilities are handled by Merchant Warrior. It is important to note that Merchant Warrior does NOT store any sensitive credit card data by default and will only store this sensitive data where absolutely necessary.
How does it work?
1
Your customer is redirected to the Merchant Warrior secure hosted payment page for payment.
2
Your customer enters their payment information on the secure hosted payment page and presses submit.
3
The transaction is processed and your customer is returned to your website and a ping is sent to your application with the transaction result.
Key features
No need to purchase an SSL certificate
Outsource PCI DSS responsibilities
Simple solution to implement
Multi Currency
Customisations are possible
Token Payments
A secure platform to store credit card information and interact with an advanced API to process credit card transactions
Token Payments
A secure platform to store credit card information and interact with an advanced API to process credit card transactions
Why use our Token Payments?
The Merchant Warrior Token Payments solution focuses on aiding merchants outsource the storage of customer credit card information. Certain merchants will want to avoid storing credit card data locally but will still require the ability to process and transmit this information. The Token Payments extension is an ideal solutions for merchants with these requirements.
Token Payments provides merchants with the ability to take control of processing periodic transactions without the requirement of storing customer credit card information locally. All credit card information is encrypted and stored by Merchant Warrior in a military grade data center.
Merchant Warrior Token Payments ensures that the scope of PCI DSS Compliance is significantly reduced and provides merchants with a cost effective solution that will assist in achieving PCI DSS Compliance.
How does it work?
1
Your customer's credit card data is submitted to us.
2
We encrypt and securely store the credit card data and return a Token ID to your application.
3
You use the returned Token ID to process future transactions for your customer.
Key features
No local storage of card data
Outsource PCI DSS responsibilities
Secured with strong encryption
Advanced token management utilities
Integrates with other products
Phone Payments
A fully customizable IVR system capable of accepting credit card, direct debit and/or Token Payments over the phone
Phone Payments
A fully customizable IVR system capable of accepting credit card, direct debit and/or Token Payments over the phone
Why use our Phone Payments?
The Merchant Warrior Phone Payments service is a PCI DSS certified solution which can be customized to suit your business requirements. Custom voice prompts, custom phone numbers, custom phone words and custom payment notifications make for Australia's most advanced phone payments solution to date.
This solution provides merchants with their own IVR system capable of accepting Visa, MasterCard, Amercian Express or Diners Club credit card payments or Token Payments over the phone. Industries that have benefited from this solution include financial institutions, government departments, debt collection agencies, online retail and many more, to pay expenses such as council rates, insurance, school fees and generic bills.
To trial the Phone Payments (IVR) service from your phone, please dial: (07) 3166 5439 (Australia) or +61 7 3177 5439 (International).
Please use the following details when testing:
Biller ID: 081437
Reference Number: 111
Payment Amount: 1500
Token ID: 7931
Card Number: 5123456789012346
Card Expiry: 0139
Card Security Code: 123
How does it work?
1
Your customer dials a toll free, national or international number to make a payment over the phone.
2
Your customer enters a reference number, an amount to pay and enters their Token ID or credit card details.
3
The payment is processed and your customer is given a receipt number and a ping is sent to your application with the transaction result.
Key features
Automate phone payments
Hosted IVR solution
Outsource PCI DSS responsibilities
Real-time payment notifications
Fully customisable
Recurring Payments
Automate subscription billing via recurring payment plans controlled via both API and our administration interface
Recurring Payments
Automate subscription billing via recurring payment plans controlled via both API and our administration interface
Why use our Recurring Payments?
Merchant Warrior Recurring Payments passes on the responsibility of storing, processing and transmitting credit card information to Merchant Warrior. Merchants are not required to store credit card information locally in order to process periodic transactions. Merchant Warrior stores all credit card information securely on behalf of the merchant and enables the merchant to specify custom periods at which the credit cards should be charged.
Recurring Payments enables merchants to avoid the hassle of storing customer payment information and scheduling tasks to process payments periodically. Merchant Warrior takes control of all billing responsibilities whilst offering merchants the capability to modify recurring cycles to conform to their business requirements.
Some merchants would rather process the transactions themselves, develop custom applications that require periodic billing and still be able maintain PCI Compliance. For these merchants we recommend the Merchant Warrior Token Payments solution.
How does it work?
1
You configure a recurring schedule (weekly, monthly, annually etc) via API or an Administration interface.
2
You attach your customer's payment information to a recurring schedule.
3
Merchant Warrior will process the transaction automatically according to the schedule and ping your application with the transaction result(s).
Key features
Simply add, schedule, process
Customisable schedule configurator
Multi Currency
Outsource PCI DSS responsibilities
Credit cards and bank accounts
Virtual Terminal
A secure solution for mail order/telephone order (MOTO) sales and manual processing capabilities
Virtual Terminal
A secure solution for mail order/telephone order (MOTO) sales and manual processing capabilities
Why use our Virtual Terminal?
A virtual POS terminal (such as the Merchant Warrior Virtual Terminal) is a secure web site which merchants can log into to process credit card, bank account and/or electronic check payments. It is similar to a standard credit card terminal often seen at a petrol service station, except that a Virtual Terminal uses a computer and a secure Internet connection instead of separate hardware and a phone line to process the payments.
The Merchant Warrior Virtual Terminal takes on the responsibility of accepting, transmitting and storing the credit card data which you process. This ensures that all major PCI responsibilities are handled by Merchant Warrior.
It is important to note that Merchant Warrior does NOT store any sensitive credit card data by default and will only store this sensitive data where absolutely necessary.
How does it work?
1
Your customer passes their payment information (credit card or bank account) to you via phone, mail order or other means.
2
You enter the payment information directly into the secure Merchant Warrior Virtual Terminal.
3
The transaction is processed in real-time and the outcome of the transaction is displayed on the Merchant Warrior Virtual Terminal.
Key features
Accessible via any PC with Internet
No extra hardware required
No integration is required
Multiple staff can use the terminal
Multi Currency
Batch Payments
Efficiently process an extremely large number of transactions per batch file
Batch Payments
Efficiently process an extremely large number of transactions per batch file
Why use our Batch Payments?
Merchant Warrior Batch Payments is the ideal payment solution for businesses that harbour a significant amount of offline transactions. The Batch Payments solution has the ability to efficiently process an extremely large number of transactions per batch file via the Merchant Warrior Payment Gateway.
Merchants are able to manually upload or automatically transfer a formatted file with credit card and/or bank account payment information to the Merchant Warrior Payment Gateway and receive an instant notification upon processing completion.
This solution is best suited for businesses that deal with memberships such as magazine subscriptions, health clubs, charitable donations etc.
How does it work?
1
A zipped file containing large amounts of credit card or bank account data is uploaded via an Administration interface or API.
2
All payments in the file are processed efficiently in order to reduce total batch processing time.
3
A result file is returned in real-time via API or made available via the Administration interface when the batch file has completed processing.
Key features
No constant polling required
Supports tokenization to assist with PCI
Reduced transaction fees
Supports large transaction volumes
Manual or API driven methods available
Payframe
Outsource the majority of your PCI DSS requirements with a fully customizable iFrame that integrates seamlessly with the branding of your website and/or application
Payframe
Outsource the majority of your PCI DSS requirements with a fully customizable iFrame that integrates seamlessly with the branding of your website and/or application
Why use our Payframe?
The Merchant Warrior Payframe enables merchants to entirely outsource their processing and transmitting responsibilities of the PCI DSS to Merchant Warrior. This solution can be fully customized to maintain a merchant's branding and achieve a seamless transaction experience for the customer whilst maintaining the highest level of PCI DSS Compliance.
A drop-in Payframe is also available for those merchant's that wish to accept payments immediately with minimal development.
How does it work?
1
You integrate (or drop-in) the Merchant Warrior Payframe into your website and/or payment application.
2
Your customer enters their payment details into the Payframe that maintains your branding to achieve a seamless experience for your customer.
3
The transaction is processed and the customer is returned to your website and/or payment application and a ping is sent to your application with the transaction result.
Key features
Fully customizable
Drop-in code available
Supports tokenization and payments
Mobile friendly
Outsource PCI DSS responsibilities
Direct Debit
Initiate direct debit transactions from Australian and New Zealand bank accounts
Direct Debit
Initiate direct debit transactions from Australian and New Zealand bank accounts
Why use our Direct Debit?
The Merchant Warrior Direct Debit platform is designed to process payments from Australian and New Zealand bank accounts. This platform is hosted and run by Merchant Warrior and as such does not require the merchant to setup any additional facilities with their Bank.
This solution is ideal for merchants in industries such as child care, bill collection, franchises, gyms and any business looking to debit customer bank accounts to receive funds.
How does it work?
1
Your customer provides you with their bank account details.
2
You compile a transaction with your customer's bank account details and submit it to Direct API for processing.
3
The transaction is submitted for processing and funds are settled immediately after clearance.
Key features
Receive funds from bank accounts
API driven
Paperless authority forms
Simple integration
Reduce transaction fees
Dynamic Currency Conversion
Charge international customers in their preferred currency and receive settlement funds in your local currency
Dynamic Currency Conversion
Charge international customers in their preferred currency and receive settlement funds in your local currency
Why use our Dynamic Currency Conversion?
The Merchant Warrior Dynamic Currency Conversion and Multicurrency Conversion Processing platform enables merchants to process credit card payments using the currency associated with their customer's card, and have funds settled to the merchant in their local currency.
An example would be charging a US customer's card in USD and having the funds settle to an Australian merchant in AUD. This method avoids additional monthly fees associated with opening a foreign currency bank account and manual currency conversions.
How does it work?
1
Your solution offers multiple currencies during purchase.
2
Your customer is charged in the currency of their issued card.
3
Funds are automatically converted and settled in your local currency.
Key features
Enable multicurrency processing
No foreign currency account fees
No customer conversion fees
Simple integration
Automated conversion on settlement
MWPAY.Link
Generate and email static and/or unique secure payment links via our API and administration interface
MWPAY.Link
Generate and email static and/or unique secure payment links via our API and administration interface
Why use our MWPAY.Link?
The MWPAY.Link product enables merchants to create and distribute secure payment pages to customers. Merchants have the ability to support both a static payment link or generate unique payment links per customer. Payment links can be customized to suit a merchant's branding, acceptable payment methods, surcharging and many other options. The MWPAY.Link product can integrate directly with billing platforms to handle both payment and reconciliation in real-time and is configurable via both an administration interface and API.
How does it work?
1
You create a link via an API or Portal.
2
Your customer receives an email with your link.
3
Your customer makes a secure payment and you are notified.
Key features
Several configuration options
Supports multiple currencies
Custom branding
Automated reconciliation
Supports payment reminders
PayTo
Debit funds from Australian consumer bank accounts in near real-time
PayTo
Debit funds from Australian consumer bank accounts in near real-time
Why use our PayTo?
PayTo allows merchants to debit funds from Australian consumer bank accounts almost instantly. Unlike the traditional Direct Debit system, which takes 2-3 days to process, PayTo clears funds immediately, 24 hours a day, 7 days a week (including public holidays). Merchants no longer need to worry about dishonour fees or delayed settlements and can charge customers directly from their bank accounts or via their PayID.PayID.
How does it work?
1
Your customer accepts your agreement
2
You send a request for payment to the Bank
3
Your customer's bank sends you the funds
Key features
24/7 bank debits
Instant responses
Automated reconciliation
No expensive dishonours
Apple Pay
Allow your customers to make fast, simple and secure purchases with their IOS devices.
Apple Pay
Allow your customers to make fast, simple and secure purchases with their IOS devices.
Why use Apple Pay?
Apple Pay enables merchants to provide a secure and seamless payments experience for customers who have a supported Apple mobile device on participating websites in Safari or in-app.
Payments can be initiated by customers via touch to speed up the payments experience and Apple uses a tokenization service to secure the payment and ensure the process is PCI DSS compliant.
How does it work?
1
Your customer is presented with a 'Buy with ApplePay' button at checkout or in-app.
2
Your customer presses the 'Buy with ApplePay' button and the payment is securely processed.
3
The outcome of the transaction is sent back to your website, app or billing software.
Key features
Simple integration
Touch payments
Prevents fraud
Quick checkout
Google Pay
Allow your customers to make fast, simple and secure purchases with their Android devices or over the web.
Google Pay
Allow your customers to make fast, simple and secure purchases with their Android devices or over the web.
Why use our Google Pay?
Google Pay enables merchants to provide a secure and seamless payments experience for customers who have payment methods attached to their Google account .
Payments can be initiated by customers via biometrics to speed up the payments experience and Google uses a tokenization service to secure the payment and ensure the process is PCI DSS compliant.
How does it work?
1
Your customer is presented with a GPay button at checkout or in-app.
2
Your customer presses the GPay button and the payment is securely processed.
3
The outcome of the transaction is sent back to your website, app or billing software.
Key features
Simple integration
Touch payments
Prevents fraud
Quick checkout
Direct API
Process real-time payments and seamlessly integrate with any billing solution or payment implementation
Direct API
Process real-time payments and seamlessly integrate with any billing solution or payment implementation
Why use our Direct API?
The Direct API Integration enables merchants to process credit card, bank account and check transactions in real time directly through any ecommerce solution such as shopping carts, web pages and other billing softwares. Merchants are given the ability to maintain their own branding whilst utilizing the Merchant Warrior Payment Gateway to process online transactions.
The Direct API solution can be extensively customized for a seamless integration that ensures that the merchant's customers remain under the impression that the merchant processes all transactions themselves.
How does it work?
1
Your customer enters their payment information into your website or billing software.
2
You compile a transaction with your customer's payment information and submit it to the Direct API for processing.
3
The outcome of the transaction is sent back to your website or billing software.
Key features
Customer stays on your website
Simple integration
Dynamic Currency Conversion
Multi Currency
Fraud detection & prevention
Hosted Payments
Allow us to take care of your PCI DSS compliance requirements via a customized secure hosted payment page
Hosted Payments
Allow us to take care of your PCI DSS compliance requirements via a customized secure hosted payment page
Why use our Hosted Payments?
Merchants who do not wish to accept and store credit card information for security reasons will find that the Merchant Warrior hosted payment page is the perfect companion for their website. The Merchant Warrior hosted payment page takes advantage of Merchant Warrior's Tier 1 PCI DSS certification, which enables merchants to process online transactions via a secure payment page.
By utilising the Merchant Warrior hosted payment page merchants pass on the responsibility of storing, processing and transmitting the credit card data to Merchant Warrior. This product is hosted by Merchant Warrior and as such all major PCI responsibilities are handled by Merchant Warrior. It is important to note that Merchant Warrior does NOT store any sensitive credit card data by default and will only store this sensitive data where absolutely necessary.
How does it work?
1
Your customer is redirected to the Merchant Warrior secure hosted payment page for payment.
2
Your customer enters their payment information on the secure hosted payment page and presses submit.
3
The transaction is processed and your customer is returned to your website and a ping is sent to your application with the transaction result.
Key features
No need to purchase an SSL certificate
Outsource PCI DSS responsibilities
Simple solution to implement
Multi Currency
Customisations are possible
Token Payments
A secure platform to store credit card information and interact with an advanced API to process credit card transactions
Token Payments
A secure platform to store credit card information and interact with an advanced API to process credit card transactions
Why use our Token Payments?
The Merchant Warrior Token Payments solution focuses on aiding merchants outsource the storage of customer credit card information. Certain merchants will want to avoid storing credit card data locally but will still require the ability to process and transmit this information. The Token Payments extension is an ideal solutions for merchants with these requirements.
Token Payments provides merchants with the ability to take control of processing periodic transactions without the requirement of storing customer credit card information locally. All credit card information is encrypted and stored by Merchant Warrior in a military grade data center.
Merchant Warrior Token Payments ensures that the scope of PCI DSS Compliance is significantly reduced and provides merchants with a cost effective solution that will assist in achieving PCI DSS Compliance.
How does it work?
1
Your customer's credit card data is submitted to us.
2
We encrypt and securely store the credit card data and return a Token ID to your application.
3
You use the returned Token ID to process future transactions for your customer.
Key features
No local storage of card data
Outsource PCI DSS responsibilities
Secured with strong encryption
Advanced token management utilities
Integrates with other products
PayID
Generate unique payment identifiers for customers and receive instant bank transfers
PayID
Generate unique payment identifiers for customers and receive instant bank transfers
Why use our PayID?
PayID enables merchants to generate unique payment identifiers for all customers and/or invoices. Customers are able to make bank transfers using unique payment identifiers and merchants can receive the funds in real-time 24 hours a day, 7 days a week (including public holidays). This new functionality available to the Australian market gives merchants the power to automate legacy bank transfer implementations, and resolve reconciliation issues.
How does it work?
1
You generate a unique payment identifier.
2
Your customer sends a bank transfer using the identifier.
3
You are notified and receive the funds in real-time.
Key features
Unique payment identifiers
Instant bank transfers
Automated reconciliation
Avoids fraudulent chargebacks
BPay
BPAY® is an easy and secure way to manage your bills with one payment method all through your online or mobile banking
BPay
BPAY® is an easy and secure way to manage your bills with one payment method all through your online or mobile banking
Why use our BPay?
BPay provides a billing solution to Australian merchants that enables their customers to pay via their internet or mobile banking platforms. This particular payment method has features in place to assist with scheduling payments and avoiding mistaken payments via a unique referencing system.
How does it work?
1
You place your BPAY reference number on a bill.
2
Your customer pays their invoice via internet or mobile banking.
3
You receive a notification to automate reconciliation.
Key features
Automated reconciliation
Avoid reference errors
Same day settlement
Phone Payments
A fully customizable IVR system capable of accepting credit card, direct debit and/or Token Payments over the phone
Phone Payments
A fully customizable IVR system capable of accepting credit card, direct debit and/or Token Payments over the phone
Why use our Phone Payments?
The Merchant Warrior Phone Payments service is a PCI DSS certified solution which can be customized to suit your business requirements. Custom voice prompts, custom phone numbers, custom phone words and custom payment notifications make for Australia's most advanced phone payments solution to date.
This solution provides merchants with their own IVR system capable of accepting Visa, MasterCard, Amercian Express or Diners Club credit card payments or Token Payments over the phone. Industries that have benefited from this solution include financial institutions, government departments, debt collection agencies, online retail and many more, to pay expenses such as council rates, insurance, school fees and generic bills.
To trial the Phone Payments (IVR) service from your phone, please dial: (07) 3166 5439 (Australia) or +61 7 3177 5439 (International).
Please use the following details when testing:
Biller ID: 081437
Reference Number: 111
Payment Amount: 1500
Token ID: 7931
Card Number: 5123456789012346
Card Expiry: 0139
Card Security Code: 123
How does it work?
1
Your customer dials a toll free, national or international number to make a payment over the phone.
2
Your customer enters a reference number, an amount to pay and enters their Token ID or credit card details.
3
The payment is processed and your customer is given a receipt number and a ping is sent to your application with the transaction result.
Key features
Automate phone payments
Hosted IVR solution
Outsource PCI DSS responsibilities
Real-time payment notifications
Fully customisable
Recurring Payments
Automate subscription billing via recurring payment plans controlled via both API and our administration interface
Recurring Payments
Automate subscription billing via recurring payment plans controlled via both API and our administration interface
Why use our Recurring Payments?
Merchant Warrior Recurring Payments passes on the responsibility of storing, processing and transmitting credit card information to Merchant Warrior. Merchants are not required to store credit card information locally in order to process periodic transactions. Merchant Warrior stores all credit card information securely on behalf of the merchant and enables the merchant to specify custom periods at which the credit cards should be charged.
Recurring Payments enables merchants to avoid the hassle of storing customer payment information and scheduling tasks to process payments periodically. Merchant Warrior takes control of all billing responsibilities whilst offering merchants the capability to modify recurring cycles to conform to their business requirements.
Some merchants would rather process the transactions themselves, develop custom applications that require periodic billing and still be able maintain PCI Compliance. For these merchants we recommend the Merchant Warrior Token Payments solution.
How does it work?
1
You configure a recurring schedule (weekly, monthly, annually etc) via API or an Administration interface.
2
You attach your customer's payment information to a recurring schedule.
3
Merchant Warrior will process the transaction automatically according to the schedule and ping your application with the transaction result(s).
Key features
Simply add, schedule, process
Customisable schedule configurator
Multi Currency
Outsource PCI DSS responsibilities
Credit cards and bank accounts
Batch Payments
Efficiently process an extremely large number of transactions per batch file
Batch Payments
Efficiently process an extremely large number of transactions per batch file
Why use our Batch Payments?
Merchant Warrior Batch Payments is the ideal payment solution for businesses that harbour a significant amount of offline transactions. The Batch Payments solution has the ability to efficiently process an extremely large number of transactions per batch file via the Merchant Warrior Payment Gateway.
Merchants are able to manually upload or automatically transfer a formatted file with credit card and/or bank account payment information to the Merchant Warrior Payment Gateway and receive an instant notification upon processing completion.
This solution is best suited for businesses that deal with memberships such as magazine subscriptions, health clubs, charitable donations etc.
How does it work?
1
A zipped file containing large amounts of credit card or bank account data is uploaded via an Administration interface or API.
2
All payments in the file are processed efficiently in order to reduce total batch processing time.
3
A result file is returned in real-time via API or made available via the Administration interface when the batch file has completed processing.
Key features
No constant polling required
Supports tokenization to assist with PCI
Reduced transaction fees
Supports large transaction volumes
Manual or API driven methods available
Dynamic Currency Conversion
Charge international customers in their preferred currency and receive settlement funds in your local currency
Dynamic Currency Conversion
Charge international customers in their preferred currency and receive settlement funds in your local currency
Why use our Dynamic Currency Conversion?
The Merchant Warrior Dynamic Currency Conversion and Multicurrency Conversion Processing platform enables merchants to process credit card payments using the currency associated with their customer's card, and have funds settled to the merchant in their local currency.
An example would be charging a US customer's card in USD and having the funds settle to an Australian merchant in AUD. This method avoids additional monthly fees associated with opening a foreign currency bank account and manual currency conversions.
How does it work?
1
Your solution offers multiple currencies during purchase.
2
Your customer is charged in the currency of their issued card.
3
Funds are automatically converted and settled in your local currency.
Key features
Enable multicurrency processing
No foreign currency account fees
No customer conversion fees
Simple integration
Automated conversion on settlement
MWPAY.Link
Generate and email static and/or unique secure payment links via our API and administration interface
MWPAY.Link
Generate and email static and/or unique secure payment links via our API and administration interface
Why use our MWPAY.Link?
The MWPAY.Link product enables merchants to create and distribute secure payment pages to customers. Merchants have the ability to support both a static payment link or generate unique payment links per customer. Payment links can be customized to suit a merchant's branding, acceptable payment methods, surcharging and many other options. The MWPAY.Link product can integrate directly with billing platforms to handle both payment and reconciliation in real-time and is configurable via both an administration interface and API.
How does it work?
1
You create a link via an API or Portal.
2
Your customer receives an email with your link.
3
Your customer makes a secure payment and you are notified.
Key features
Several configuration options
Supports multiple currencies
Custom branding
Automated reconciliation
Supports payment reminders
Payouts
Push funds from your business bank account to other business or consumer bank accounts in real-time
Payouts
Push funds from your business bank account to other business or consumer bank accounts in real-time
Why use our Payouts?
The MW Payouts product enables businesses to push funds from their Bank account(s) in real-time via APIs. Merchants can push funds to business accounts or consumer accounts in real-time will fallback support. By powering the product will the latest industry technology, merchants are not required to hold a float of funds with Merchant Warrior and simply push funds directly from their nominated Bank account.
How does it work?
1
You integrate Payouts into your platform
2
You initiate payouts to consumers via API
3
We pull and push funds in real-time
Key features
Send funds in real-time
No float of funds required
Automatic fallback support
Simple integration
Virtual Terminal
A secure solution for mail order/telephone order (MOTO) sales and manual processing capabilities
Virtual Terminal
A secure solution for mail order/telephone order (MOTO) sales and manual processing capabilities
Why use our Virtual Terminal?
A virtual POS terminal (such as the Merchant Warrior Virtual Terminal) is a secure web site which merchants can log into to process credit card, bank account and/or electronic check payments. It is similar to a standard credit card terminal often seen at a petrol service station, except that a Virtual Terminal uses a computer and a secure Internet connection instead of separate hardware and a phone line to process the payments.
The Merchant Warrior Virtual Terminal takes on the responsibility of accepting, transmitting and storing the credit card data which you process. This ensures that all major PCI responsibilities are handled by Merchant Warrior.
It is important to note that Merchant Warrior does NOT store any sensitive credit card data by default and will only store this sensitive data where absolutely necessary.
How does it work?
1
Your customer passes their payment information (credit card or bank account) to you via phone, mail order or other means.
2
You enter the payment information directly into the secure Merchant Warrior Virtual Terminal.
3
The transaction is processed in real-time and the outcome of the transaction is displayed on the Merchant Warrior Virtual Terminal.
Key features
Accessible via any PC with Internet
No extra hardware required
No integration is required
Multiple staff can use the terminal
Multi Currency
Payframe
Outsource the majority of your PCI DSS requirements with a fully customizable iFrame that integrates seamlessly with the branding of your website and/or application
Payframe
Outsource the majority of your PCI DSS requirements with a fully customizable iFrame that integrates seamlessly with the branding of your website and/or application
Why use our Payframe?
The Merchant Warrior Payframe enables merchants to entirely outsource their processing and transmitting responsibilities of the PCI DSS to Merchant Warrior. This solution can be fully customized to maintain a merchant's branding and achieve a seamless transaction experience for the customer whilst maintaining the highest level of PCI DSS Compliance.
A drop-in Payframe is also available for those merchant's that wish to accept payments immediately with minimal development.
How does it work?
1
You integrate (or drop-in) the Merchant Warrior Payframe into your website and/or payment application.
2
Your customer enters their payment details into the Payframe that maintains your branding to achieve a seamless experience for your customer.
3
The transaction is processed and the customer is returned to your website and/or payment application and a ping is sent to your application with the transaction result.
Key features
Fully customizable
Drop-in code available
Supports tokenization and payments
Mobile friendly
Outsource PCI DSS responsibilities
Direct Debit
Initiate direct debit transactions from Australian and New Zealand bank accounts
Direct Debit
Initiate direct debit transactions from Australian and New Zealand bank accounts
Why use our Direct Debit?
The Merchant Warrior Direct Debit platform is designed to process payments from Australian and New Zealand bank accounts. This platform is hosted and run by Merchant Warrior and as such does not require the merchant to setup any additional facilities with their Bank.
This solution is ideal for merchants in industries such as child care, bill collection, franchises, gyms and any business looking to debit customer bank accounts to receive funds.
How does it work?
1
Your customer provides you with their bank account details.
2
You compile a transaction with your customer's bank account details and submit it to Direct API for processing.
3
The transaction is submitted for processing and funds are settled immediately after clearance.
Key features
Receive funds from bank accounts
API driven
Paperless authority forms
Simple integration
Reduce transaction fees
PayTo
Debit funds from Australian consumer bank accounts in near real-time
PayTo
Debit funds from Australian consumer bank accounts in near real-time
Why use our PayTo?
PayTo allows merchants to debit funds from Australian consumer bank accounts almost instantly. Unlike the traditional Direct Debit system, which takes 2-3 days to process, PayTo clears funds immediately, 24 hours a day, 7 days a week (including public holidays). Merchants no longer need to worry about dishonour fees or delayed settlements and can charge customers directly from their bank accounts or via their PayID.PayID.
How does it work?
1
Your customer accepts your agreement
2
You send a request for payment to the Bank
3
Your customer's bank sends you the funds
Key features
24/7 bank debits
Instant responses
Automated reconciliation
No expensive dishonours
