The Payment Request Process
Updated Global Payment Soluitions
Confidia / HowToPay continue to expand globally at a rapid pace.
We currently have more then 38 new Payment solutions globally being rolled out in addition to the existing solutions on the link below.
With new partners in the USA, Europe and Asia our payment network has become one of the largest in the world. We have now been trading more then 20+ years before the work FINTECH ever existed.
Much of what we do is now fully integrated into our existing web and API portals. To activate a new payment option requires no change to the API for the clients. Simply inform the support team of the additional options you need and it can be activated for your account.
Check out our current payment options here: https://news.howtopay.com/news/paymentoptions
Confidia – HowToPay Global Payment Integrations as at September 2023
Current local Payment options supported by our Payment API are:
(Rates are based on risk factors)
2. Bank Deposit, NAB, ANZ, Westpac
3. BPAY (Overnight with high limits)
4. Postal Cheque and Money Order
1. Bank Deposit, BNZ
1. Faster Payments (Instant Bank Transfer)
2. Cheque and Money Order (Coming Soon)
1. ACH, Online Transfers
2. Credit and Debit Card (Strict KYC)
3. Send Cheque or Money Order (No KYC Required)
5 Zelle (No Longer Available)
1. SCB Bank Online Transfer + Credit Card
2. Kasikorn Bank Transfer + Credit Card
3. Counter Service. 7 ELEVEN Cash Payments over the counter
4. Instant “PROMPTPAY” QR code from all banks
In Thailand most people are used to using mobile banking to make a money transfer to a local bank account to make payments. We have bank accounts with most major banks making payments fast and easy for the locals without the need for Credit Cards that are not common here.
1. IBAN (Bank transfer from any EU Bank, Automated)
2. iDeal (Coming Soon)
3. SEPA INSTANT (Part of EU IBAN)
4. SOFORT (Coming Soon)
5. Credit / Debit Cards (Up to $1000 per transaction)
1. Instant Bitcoin via API can clear fast and payout in any currency
2. SWIFT global payments
3. Credit and Debit Cards from select countries. (Strict KYC)
International Swift Fees (Rates: 50 AUD)
Domestic Swift Fees USA (Rates: 2 USD)
Bitcoin Fees (Rates: 0 USD)
Days to Hold Funds
(3 to 10 Days depending on risk)
Min Fees / Min Charge per month (2000 AUD)
Onboarding can be completed in less then 7 days.
Payouts available International Transfer. SWIFT, Bitcoin and USDT
Disclaimer: These rates are subject to change at the discretion of Confidia subject to merchant risk
NOTE: This page is updated weekly as new payment options become available. When new options come available no change in API is required all can pass via existing API.
For API details See: https://news.howtopay.com/news/api
For details on KYC see: https://news.howtopay.com/news/kyc
For details on the “Payment Request Process” see: https://news.howtopay.com/news/payrequest
Apply for a Business account now: https://news.howtopay.com/news/apply
The Payment Request Process
HowToPay operates a simple “Payment Request” system. This allows clients to request payment from another person using either E-mail, SMS or our Mobile app. Businesses use our system as it gives them local payment options Globally and allows them to benefit from our Mobile Apps and existing millions of users.
How our system works:
Thanks to over 20 years of experience in Online Payments we have an advanced system that allows Businesses to meet KYC obligations prior to giving out Payment information to clients.
The “Payment Request” process:
1. Business using API or website enters client details and amount to our system.
2. Client receives an email, SMS or Mobile app notification with a payment link.
3. Client clicks the link and uploads ID to our system. (If not already done)
4. Our call centre staff 24/7 check the ID and approve it manually.
5. Should it be necessary our staff also make a call to the client to validate the information.
6. Once approved the client receives an email with unique payment information and Pay ID reference number.
7. Client makes payment (Including the Pay ID number) and receives a receipt for the payment.
8. Merchant is informed of the completed transaction.
This simple process is connected to a Global network of Banks that allows our merchants to accept payments globally.The client is always in control of the process and never is any Banking and or Credit Card information stored on our servers.
BTC – Click the link on the payment request to pay via BTC. You will be directed to scan a QR code through your BTC wallet and complete payment. It is instant and your payment will be recorded immediately once paid.
Please see below for methods for methods per country/area
Pay ID – This is a simple and fastpayment method in Australia as it is compatible with most Australian banks. Customers will be given instructions with our Pay ID number to send money to and log into their banking application and choose the Pay ID option.
POLi – POLi payment is an online payment service in Australia that allows you to make a secure payment from your internet banking portal directly to a business. You don’t have to register, so no information is stored that can be used to access your bank account. POLi Payments is a business of Australia Post.
Once you’ve selected POLi as your payment method you will see the POLi Landing page.
On that page:
Select your ban
When prompted login using your Internet Banking username and password.
Follow the prompts to complete the payment transaction. This may include selecting which
account you wish to pay from, and a second factor authentication step (e.g. app notification,
SMS message or similar from your bank)
Confirm the payment
BPAY – BPAY has been used for over 20 years by Australians and is a common method to pay for utilities, phone bills etc. Clients will be given a biller code and reference number to complete a simple bank transfer. This payment method takes 1-2 days to complete unless done on the weekend.
Please note New Zealand’s new method is coming soon…….
IBAN – Clients can send money directly to our IBAN. Simply use the information This method takes 1-2 days to updated depending on when you send payment and is updated regularly during the weekdays.
Faster Payments – A bank transfer using sort code and account number only within the UK. Payments are updated within a day.
Zelle – An instant payment solution using the Zelle section of your online or mobile banking. All you need is our Name and email address and send funds instantly. Payments are updated within 15 minutes.
E-Check – eCheck is a digital version of a paper check and is also known as an electronic check, online check, internet check, and direct debit. Echecks use the Automated Clearing House (ACH) to direct debit from a customer’s checking account into a merchant’s business bank account, with the help of a payments processor. A one page electronic form that can be done through a direct link. Simply fill in the fields that include your account and routing number and click submit! This payment will take 1-2 days to process excluding weekends.
PromptPay QR – QR PromptPay payments locally in Thailand which are done using mobile banking. It is the most common bank transfer and way to pay within Thailand. Payments are updated instantly once paid.