Access pymtz through your reseller's invitation link or branded signup page. This ensures you're properly attributed to your referring partner and receive the best rates.
📧
Reseller invitation signup page
2
Complete Account Creation
Fill out the registration form with your business information:
Business name and description
Contact email and phone number
Business address
Industry and business type
Estimated monthly processing volume
3
Email Verification
Check your email for a verification link from pymtz. Click the link to verify your email address and activate your account.
📧 Email Tips
Check your spam folder if you don't see the verification email. Add pymtz.co to your safe sender list for future communications.
4
Initial Login
After email verification, log in to your merchant dashboard at pymtz.co/dashboard using your registered email and password.
2. Setup Wizard
1
Launch Setup Wizard
On first login, the setup wizard guides you through essential configuration steps. You can also access it later from Settings → Setup Wizard.
🪄
Setup wizard welcome screen
2
Business Profile Setup
Complete your business profile with detailed information:
Upload business logo and branding
Add detailed business description
Set your business website URL
Configure contact information
Confirm USD checkout settings
3
Payment Configuration
Configure your payment preferences:
Choose fee handling method
Set default payment descriptions
Configure success and failure redirect URLs
Enable desired payment methods
4
Security Settings
Set up security features:
Enable two-factor authentication (recommended)
Set up webhook URLs for notifications
Configure IP address restrictions (optional)
Review and accept terms of service
3. Dashboard/Overview
1
Performance Metrics
Your dashboard provides key performance indicators:
Total Revenue: All-time processed amount
Monthly Revenue: Current month performance
Transaction Count: Total successful transactions
Success Rate: Percentage of successful payments
Available Balance: Funds ready for withdrawal
📊
Dashboard overview metrics
2
Recent Activity
Monitor recent transactions and account activity:
Latest transactions with status indicators
Recent login history
Account notifications and alerts
Pending withdrawal requests
3
Quick Actions
Access frequently used features directly from the dashboard:
Create new payment link
Generate QR code for in-person payments
Request withdrawal
View API documentation
Contact support
4
Alerts and Notifications
Stay informed about important account events:
KYC status updates
Failed transaction alerts
Security notifications
System maintenance announcements
Payment settlement confirmations
4. Payment Links
1
Create Payment Links
Generate secure payment links for your customers:
Enter payment amount and description
Add customer information (optional)
Set expiration date (if applicable)
Choose one-time or reusable link
Generate unique payment URL
🔗
Payment link creation form
2
Generate QR Codes
Create QR codes for easy mobile payments:
Automatically generated for each payment link
Download as PNG or SVG format
Print for in-store displays
Include in invoices and receipts
Perfect for contactless payments
3
Share via Email/WhatsApp
Easily share payment links with customers:
Built-in email sharing with custom message
One-click WhatsApp sharing
Copy link to clipboard for manual sharing
SMS integration for text message sharing
Social media sharing options
4
TEST vs LIVE Mode Toggle
Switch between testing and live environments:
TEST Mode: Safe testing with fake transactions
LIVE Mode: Real payments from actual customers
Clear visual indicator of current mode
Separate transaction histories for each mode
Different API keys for each environment
⚠️ Important
Always test your payment flow in TEST mode before going live. Real money is processed in LIVE mode only.
5
Link Management
Manage your payment links effectively:
View all created links in one place
Track payment status for each link
Edit link details and expiration
Deactivate or delete unused links
Analytics and performance tracking
5. Fee Settings
1
Understanding Fee Structure
pymtz charges a competitive fee structure:
Processing Rate: Your negotiated percentage rate
Gateway Fee: /usr/bin/sh.25 per successful transaction
No setup fees or monthly minimums
No hidden charges or surprise fees
⚙️
Fee settings configuration
2
Fee Mode Options
Choose how to handle processing fees:
Merchant Absorbs: You pay all fees, customer pays exact amount
Customer Pays: Customer pays fees on top of amount
Split 50/50: You and customer share fee costs equally
3
Fee Calculation Examples
For a 00 payment with 5% rate + /usr/bin/sh.25 fee:
Merchant Absorbs: Customer pays 00, you receive 4.75
Customer Pays: Customer pays 05.25, you receive 00
Split 50/50: Customer pays 02.63, you receive 7.37
4
Gateway Fee Details
The /usr/bin/sh.25 gateway fee covers:
Payment processing infrastructure
Bank connectivity and routing
Fraud protection and security
Transaction monitoring and reporting
Customer support and dispute handling
5
Fee Optimization Tips
Maximize your profit margins:
Consider "Customer Pays" for discretionary purchases
Use "Merchant Absorbs" for competitive pricing
"Split 50/50" balances customer satisfaction and cost
Monitor conversion rates for different fee modes
A/B test fee modes for optimal results
6. Get Paid
1
Hosted Checkout Pages
pymtz provides secure, branded checkout pages:
Professional, mobile-optimized design
Your business branding and logo
Secure card checkout through the active platform processor
SSL encryption and PCI compliance
Automatic receipt generation
💳
Hosted checkout page example
2
Social Payment Links
Create shareable payment links for social platforms:
Instagram bio links for product sales
Facebook post payment links
Twitter profile payment options
LinkedIn service payment links
Custom landing page creation
3
Payment Methods Supported
Accept payments through various methods:
Credit and debit cards (Visa, MasterCard, Amex)
Hosted card entry through WiPay by default
Processor routing managed by pymtz administration
Customer receipt and transaction tracking in your dashboard
Additional methods may be enabled as platform processors support them
4
Recurring Payments
Set up subscription and recurring billing:
Monthly, quarterly, or annual billing cycles
Automatic retry for failed payments
Customer portal for subscription management
Proration and upgrade/downgrade handling
Dunning management for expired cards
5
International Payments
Accept USD payments from customers:
USD-only checkout amounts
Clear USD payment links and hosted checkout pages
Processor-managed authorization and settlement handling
Compliance review before live processing
Transaction records available from the merchant dashboard
7. Transactions
1
View Transaction History
Access comprehensive transaction records:
Complete transaction timeline and details
Customer information and payment method
Transaction amounts and fees breakdown
Status indicators (pending, completed, failed)
Gateway response codes and messages
📋
Transaction history view
2
Transaction Statuses
Understand different transaction states:
Pending: Payment initiated, awaiting completion
Completed: Payment successful, funds captured
Failed: Payment declined or error occurred
Refunded: Payment reversed to customer
Disputed: Chargeback or dispute filed
3
Filter and Search
Find specific transactions quickly:
Date range filtering
Status and amount filters
Customer name or email search
Payment method filtering
Transaction ID lookup
4
Export Transaction Data
Export data for accounting and analysis:
CSV format for spreadsheet import
PDF reports for record keeping
Custom date range selection
QuickBooks and Xero integration
Automated monthly reports via email
5
Refund Management
Process refunds directly from the dashboard:
Full or partial refund options
Refund reason tracking
Automatic customer notification
Fee refund policies
Refund status monitoring
8. Disputes & Protection
1
Understanding Chargebacks
Learn about dispute processes and protection:
What triggers chargebacks and disputes
Your rights and responsibilities
Evidence collection and submission
Timeline and response requirements
Prevention strategies and best practices
🛡️
Dispute management interface
2
Chargeback Rate Monitoring
Keep your chargeback rate within acceptable limits:
Current chargeback rate percentage
Industry benchmark comparisons
Monthly and annual rate trends
Alert thresholds and notifications
Impact on processing privileges
3
Risk Tier Classification
Understand your risk classification:
Low Risk: Standard processing privileges
Medium Risk: Enhanced monitoring, possible reserves
High Risk: Strict controls, higher reserves required
Factors affecting risk assessment
Steps to improve risk profile
4
Security Deposit Requirements
Some merchants may require security deposits:
Deposit calculation based on risk factors
Monthly processing volume considerations
Industry type and chargeback history
Deposit reduction over time with good performance
Interest earnings on deposited funds
5
Fraud Prevention Tools
Utilize built-in fraud protection:
Real-time transaction screening
Velocity checking and limits
Geolocation verification
CVV and address verification
Machine learning fraud detection
9. KYC
1
KYC Requirements
Complete Know Your Customer verification to process payments:
Government-issued photo ID (passport, driver's license)
Proof of address (utility bill, bank statement)
Business registration documents
Tax identification numbers
Bank account verification documents
📄
KYC document upload interface
2
Document Submission
Upload clear, readable documents:
High-resolution photos or scans
All four corners visible
No glare or shadows obscuring text
Documents in original language or certified translation
Current documents (not expired)
3
Verification Status
Track your KYC verification progress:
Pending: Documents submitted, under review
Approved: Verification complete, full access enabled
Rejected: Documents need correction or resubmission
Additional Info Required: Provide supplementary documents
4
Review Timeline
Typical KYC processing timeframes:
Standard review: 1-3 business days
Complex cases: 5-10 business days
Additional documentation: +2-5 days
Priority review available for urgent cases
Email notifications for status changes
5
Re-verification Requirements
Periodic re-verification may be required:
Annual review for high-volume merchants
Document expiration updates
Business structure changes
Significant volume increases
Regulatory compliance updates
10. Bank
1
Add Bank Account
Set up your bank account for payouts:
Bank name and branch information
Account number and routing number
Account holder name (must match KYC)
Account type (checking or savings)
SWIFT code for international accounts
🏦
Bank account setup form
2
Account Verification
Verify your bank account for payouts:
Micro-deposit verification (1-2 business days)
Bank statement upload option
Void check submission
Instant verification via banking partnerships
Manual verification for international accounts
3
Payout Schedule
Configure when you receive your funds:
Daily: Available for established merchants
Weekly: Standard payout frequency
Monthly: Option for smaller volume merchants
Customizable payout days
Holiday schedule adjustments
4
Settlement Timeline
Understand when funds become available:
Standard settlement: T+2 business days
Next-day settlement: Available for qualified merchants
Instant settlement: Premium feature with fees
Weekend and holiday considerations
International transfer timelines
5
Withdrawal Management
Control your fund withdrawals:
Manual withdrawal requests
Minimum and maximum withdrawal limits
Withdrawal fee structure
Emergency withdrawal options
Withdrawal history and tracking
11. API Key
1
Access Your API Keys
Manage your API credentials for integrations:
Test Key: For development and testing
Live Key: For production transactions
Separate keys for different environments
Regenerate keys when needed
Key usage analytics and monitoring
🔑
API key management interface
2
Test vs Live Mode Toggle
Switch between testing and production:
Clear visual indication of current mode
Separate transaction histories
Different API endpoints
Test data clearly marked
Safe development environment
3
WordPress/WooCommerce Integration
Easy setup for WordPress websites:
Download pymtz WordPress plugin
Install and activate on your site
Enter API keys in plugin settings
Configure payment options and branding
Test checkout flow before going live
4
Direct API Integration
For custom implementations:
RESTful API with JSON responses
Comprehensive API documentation
SDKs for popular programming languages
Webhook support for real-time notifications
Rate limiting and security best practices
5
API Security
Protect your API credentials:
Never expose API keys in client-side code
Use environment variables for key storage
Implement IP address restrictions
Regular key rotation for enhanced security
Monitor API usage for suspicious activity
12. POS (Point of Sale)
1
Mobile POS Features
Turn your tablet or smartphone into a payment terminal: