Onboarding Questions

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Questions and Answers

Please note that in general all questions and answers listed below are mandatory and need to be provided in the API call. If an answer cannot be provided or it is not applicable for the merchant, please state "n/a".

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List of Question Keys

To receive a list of question keys together with the entire text of the question the GET /questions resource should be used.
The questions can then be displayed in the partner's onboarding form/tool so that they can be answered by the merchant.
The list of questions and answers can be posted using the questionAnswerPairs parameter in some resources (e.g. newMerchant, newNestedShop).

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Payment Facilitators

For Payment Facilitators, the questions to be answered will depend the specific distribution of responsibilities between the partner and PXP Financial. This will be defined as part of the setup process.

Risk Questions for Merchants

The following risk questions need to be answered (sent via the API) for the merchant resource. If no answer can be provided or it is not applicable for the merchant it can be filled out with "n/a".

Key

Question

Comment

BusinessModelDescription

Business model description – please provide a description of your business activity and of the expected transaction flow

Mandatory

CurrentAquirers

Please list your current acquirer(s)

Applicable only for merchants which are already accepting cards (Non-Startups).

LengthOfAcquirerRelationship

Length of time with current acquirer (Length of acquirer relationship)

Applicable only for merchants which are already accepting cards (Non-Startups).

ReasonForNewAquirer

Reason for leaving current acquirer / requiring additional processing

Applicable only for merchants which are already accepting cards (Non-Startups).

TimeAcceptingCards

How long have you been accepting cards?

Applicable only for merchants which are already accepting cards (Non-Startups).

CardProcessingHistory

Did you have any issues with the Schemes? If Yes please describe

Applicable only for merchants which are already accepting cards (Non-Startups).

CustomersPhoneAddress

Do you require customers to provide phone number and address?

Mandatory

VerifyCustomer

How do you verify your customers?

Mandatory

CVVCompulsory

Is CVV compulsory to complete the purchase?

Applicable only for merchants that do card not present business.

Is3DSecureMandatory

Are MasterCard SecureCode and Verified by Visa Compulsory?

Applicable only for merchants that do card not present business.

Is3DSEnabled

Do you have 3DS Authentication already enabled?

Applicable only for merchants that do card not present business.

ChargebackFraudProcess

Do you have a chargeback and fraud analysis process in place? If NO, please advise why

Mandatory

ChargebackFraudContact

Please provide an email of your Chargeback & Fraud responsible/department

Mandatory

AML&CTF_Guidance

Is your business regulated by AML Guidance?

Mandatory

MLRO_Contact

Please provide name, email and mobile phone number of your Appointed MLRO

Mandatory

NoLicenseOrAuthorizationNumberProvided

Provide explanation why no license is required.

If no license number (field merchant.licenseOrAuthorizationNumber) was provided in POST /merchants, the question has to be answered.

RiskMeasure_RollingReserve

Provide your suggestion for a rolling reserve as risk measure, include percentage and number of days.

Optional
A Payment Facilitator should provide at least one risk measure (Rolling Reserve, Security Deposit, Delayed Settlement).

RiskMeasure_SecurityDeposit

Provide your suggestion for a security deposit as risk measure, include amount and currency.

Optional
A Payment Facilitator should provide at least one risk measure (Rolling Reserve, Security Deposit, Delayed Settlement).

RiskMeasure_DelayedSettlement

Provide your suggestion for a delayed settlement as risk measure, include number of days for delay.

Optional
A Payment Facilitator should provide at least one risk measure (Rolling Reserve, Security Deposit, Delayed Settlement).

Risk Questions for Shops

The following risk questions need to be answered (sent via the API) for each shop resource:

Key

Question

Comment

ActivityDescription

Activity Description / Nature of Business if different per Shop requested

Mandatory

URLOwnership

Who is the owner of the URL for the Shop?

Only relevant if the shop is Card Not Present and not only MOTO.

SeasonalActivity

Is your business seasonal? If yes please describe

Mandatory

RecurringSubscriptionDescription

If Recurring, please describe the Subscription / Membership packages: montly/ quarterly/yearly

Only relevant if the shop is Card Not Present and does recurring business.

CancellationTimeframe

What is your cancellation timeframe?

Mandatory

RefundsTimeframe

What is your refunds timeframe?

Mandatory

CustomerAccounts

Do you have a Member Area / provide Customer accounts?

Only relevant if the shop is Card Not Present and not only MOTO.

WebsiteUsername

If you have a member area on your website, please provide test login details for our Risk Team - Username

Mandatory if question CustomerAccounts was answered with yes and always mandatory for MCC 7995, 5967, 7273.

WebsitePassword

If you have a member area on your website, please provide test login details for our Risk Team - Password

Mandatory if question CustomerAccounts was answered with yes and always mandatory for MCC 7995, 5967, 7273.