Developers
At CyberPay, we have put structures in place to ensure continuous high transaction success rate.
What is
CyberPay?
CyberPay is a payment processing service that allows merchants, acquirer and gateway provider process payments and collections on their platform via web, mobile or any user interface.
General
1. What kind of companies/ businesses are eligible to use CyberPay?
CyberPay welcomes all companies and businesses, from the large international conglomerates to the small scale and fast-growing businesses. We have solutions that cater to all classes of businesses
regardless of industry, year of existence, business model and size.
2. Common Transaction Errors
At CyberPay, we have put structures in place to ensure continuous high transaction success rate. We are guaranteeing that your customers will have smooth and seamless payment experience without transaction failures.
However, regardless of the structures and plans there are instances when transaction failure dues to various errors cannot be avoided. We have listed some of the instances below as a guide to why or how a transaction failure occurs.
NOT_ENROLLED_NO_ERROR_DETAILS:
The card is not enrolled for 3DS authentication. Kindly ask the customer to contact their bank.
Sorry, that Card AVS failed!:
This occurs when a customer enters a billing address different from the one on their card statement. The Address Verification System check is put in place to help prevent unauthorized use of cards and to also minimize charge-back occurrences for merchants. Kindly advise the customer to use the correct billing address as used on their card.
Suspected Fraud:
The transaction did not check out, so bank placed a temporary hold. Kindly ask the customer to contact their bank.
Transaction Error:
There was an error processing the transaction. The customer should please try again.
Transaction Failed:
The payment was declined, and no reason was given.
Transaction not Permitted to Cardholder:
The customer’s card issuer has declined the transaction as the card cannot be used for this type of transaction. The customer should use an alternate card or contact their bank.
FAILURE: DECLINED:
The transaction was declined by the customer’s bank
The issuer or Switch Inoperative:
This usually turns up when there is an error with the bank such as downtime. The cause is usually temporal. Please inform your customers to try again after some time.
Pick Up Card:
The customer’s bank (Card Issuer) has declined the transaction and requested that your customer’s card be retained (the card has been reported lost or stolen). The customer should use an alternate card.
Do Not Honour:
The customer’s bank has declined the transaction as the card number has failed a security check, or the funds have been frozen or depleted. The customer should use an alternate card.
Account number, phone number validation failed. Received invalid response from remote entity:
This is an error from the customer’s bank (Usually temporary).
AUTHENTICATION_FAILED:
3D secure authentication was attempted on the card, but the customer’s bank did not authenticate the transaction. Please advise your customer to contact their bank.
Cannot retrieve account number from card:
No primary account associated with the card.
CARD_NOT_REGISTERED_ON_TOKEN_PLATFORM:
The card has not been enrolled for Safe Token at the bank. Kindly ask the customer to contact their bank.
Could not resolve transaction after 5 tries:
Internal attempts made to verify the state of transactions failed after 5 trials.
Could not verify this payment:
For International card transactions, Card details supplied on the Bank 3D-Secure page do not match with what the bank has on file. Kindly advise the customer to contact their bank.
FAILURE: DECLINED:
The transaction was declined by the customer’s bank. Kindly advise your customer to contact their bank.
FAILURE: UNSPECIFIED_FAILURE:
This error is normally returned directly from the issuer for unknown reasons. Kindly ask the customer to contact their bank.
Having issues? Please call Customer Care on 09076555420, 09070033941: This is a temporary issue customer sometimes experience while trying to pay with GT Bank. Most times, this is usually fixed when the customer tries again after a while.
Invalid Card Verification Code!:
The CVV provided is invalid. Kindly ask the customer to input the correct CVV of the Card. The CVV is the three-digit number written on the back of the card.
Invalid transaction:
The bank has declined the transaction because of an invalid format or field. This indicates the card details were incorrect. Check card data entered and try again. Please ensure that there are no spaces or special characters (#, &, $) in the card number.
No Message:
No error message was received from the bank.
Error:
The customer’s bank (Card Issuer) has declined the transaction as there is a problem with the card number. The customer should contact their bank. The customer should use an alternate card.
Pick Up Card, Special:
The customer’s bank (Card Issuer) has declined the transaction and requested that your customer’s card be retained. (card reported lost or stolen) The customer should use an alternate card.
Request In Progress:
The customer’s bank (Card Issuer) has indicated there is a problem with the card number. The customer should contact their bank. The customer should use an alternate card.
Invalid Transaction:
The customer’s bank (Card Issuer) has declined the transaction because of an invalid format or field. Check the transaction information and try processing the transaction again.
Invalid Amount:
An invalid character (e.g. a dollar sign or space) may be being passed to the gateway. Check your website’s code.
Invalid Card Number:
The customer’s bank (Card Issuer) has declined the transaction as the Card number does not exist. Check the card information and try processing the transaction again.
No Issuer:
The customer’s bank (Card Issuer) does not exist. Check the card information and try processing the transaction again.
Re-enter the Last Transaction:
The transaction has not been processed and the customer should attempt to process the transaction again.
No Action Taken:
The customer’s bank (Card Issuer) has indicated there is a problem with the card number. The customer should contact their bank. The customer should use an alternate card.
Suspected Malfunction:
The customer’s bank (Card Issuer) cannot be contacted during the transaction. The customer should check the card information and try processing the transaction again.
Unacceptable Transaction Fee:
An unspecified error has occurred.
Unable to Locate Record On File:
The customer’s bank (Card Issuer) does not recognize the card details. The customer should check the card information and try processing the transaction again.
Format Error:
The customer’s bank (Card Issuer) does not recognize the transaction details. The customer should check the transaction information and try processing the transaction again.
Bank Not Supported By Switch:
The customer’s bank (Card Issuer) has declined the transaction as it does not allow transactions originating through mail/telephone, fax, email or Internet orders. This error is associated with customers attempting to use a Discover Card. The customer should use an alternate card.
Expired Card, Capture:
The customer’s bank (Card Issuer) has declined the transaction as Card has expired or the date is incorrect. Check the expiry date in the transaction and try processing the transaction again.
Suspected Fraud, Retain Card:
The customer’s bank (Card Issuer) has declined the transaction as there is a suspected fraud on this Card number.
Card Acceptor, Contact Acquirer, Retain Card:
The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s card be retained (card reported lost or stolen). The customer should use an alternate card.
Restricted Card, Retain Card:
The customer’s bank (Card Issuer) has declined the transaction and
requested that the customer’s card be retained. (card reported lost or stolen) The customer should use an alternate card.
Contact Acquirer Security Department, Retain Card:
The customer’s bank (Card Issuer) has declined the transaction and requested that your customer’s card be retained. (card reported lost or stolen) The customer should use an alternatecard.
PIN Tries Exceeded, Capture:
The customer’s bank (Card Issuer) has declined the transaction as the customer has entered the incorrect PIN three times. The customer’s bank (Card Issuer) has requested you retain the card. The customer should use an alternate card and contact their bank.
No Credit Account:
The customer’s bank has declined the transaction as the Card number used is not a account. The customer should use an alternate card.
Function Not Supported:
The customer’s bank (Card Issuer) has declined the transaction as it does not allow this type of transaction. The customer should use an alternate card.
Lost Card:
The customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost. The customer should use an alternate card.
No Universal Account:
The customer’s bank (Card Issuer) has declined the transaction as the account type selected is not valid for this card number. The customer should use an alternate card.
Stolen Card:
The customer’s bank (Card Issuer) has declined the transaction as the card has been reported stolen. The customer should use an alternate card.
No Investment Account:
The customer’s bank (Card Issuer) has declined the transaction as the account type selected is not valid for this card number. The customer should use an alternate card.
Insufficient Funds:
The customer’s bank (Card Issuer) has declined the transaction as the card does not have sufficient funds. The customer should use an alternate card.
No Cheque Account:
The customer’s bank (Card Issuer) has declined the transaction as the
card number is associated to a cheque account that does not exist. The customer should use an alternate card.
No Savings Account:
The customer’s bank (Card Issuer) has declined the transaction as the card number is associated to a savings account that does not exist. The customer should use an alternate card.
Expired Card:
The customer’s bank (Card Issuer) has declined the transaction as the card appears to have expired. The customer should check the expiry date entered and try again, or use an alternate card.
Incorrect PIN:
The customer’s bank (Card Issuer) has declined the transaction as the customer has entered an incorrect PIN. The customer should re-enter their PIN, otherwise, use an alternate card.
No Card Record:
The Customer’s bank has declined the transaction as the card number does not exist. The customer should use an alternate card.
Function Not Permitted to Cardholder:
The Customer’s bank has declined the transaction as this card cannot be used for this type of transaction. The customer should use an alternate card.
Function Not Permitted to Terminal:
The Customer’s bank has declined the transaction as this card cannot be used for this type of transaction. This may be associated with a test card number. The customer should use an alternate card.
Suspected Fraud:
The customer’s bank has declined this transaction as the card appears to be fraudulent.
Accept or Contact Acquirer:
The customer’s bank (card issuer) has declined the transaction. The customer should contact their bank and retry the transaction.
Exceeds Withdrawal Limit:
The customer’s bank has declined the transaction as it will exceed the customer’s card limit. The customer should use an alternate card.
Restricted Card:
The customer’s bank has declined the transaction as the card has some restrictions. The customer should use an alternate card.
Security Violation:
The customer’s bank has declined the transaction. The customer should use an alternate card.
Original Amount Incorrect:
The customer’s bank has declined the transaction due to the amount attempting to be processed. The customer should check the transaction amount and try again.
Acceptor Contact Acquirer, Security:
The customer’s bank has declined the transaction and requests the Merchant to contact the bank. The customer should use an alternate credit card.
Capture Card:
The customer’s bank has declined the transaction as the card is suspected to be counterfeit. The customer’s bank (Card Issuer) has requested that your customer’s credit card be retained. The customer should use an alternate card.
PIN Tries Exceeded:
The customer’s bank has declined the transaction as the customer has entered the incorrect PIN more than three times. The customer should use an alternate credit card.
CVV Validation Error:
The customer’s bank has declined the transaction as the CVV is incorrect. The customer should check the CVV details and try again. If not successful, the customer should use an alternate card. The CVV is the three-digit number printed on the back of the card.
Cut-off In Progress:
The customer’s bank is temporarily not able to process this customer’s card. The customer should attempt to process this transaction again.
Card Issuer Unavailable:
The customer’s bank is unable to be contacted to authorize the transaction. The customer should attempt to process this transaction again.
Unable To Route Transaction:
The customer’s bank cannot be found for routing. This response code is often returned when the customer is using a test card number. The customer should attempt to process this transaction again.
Cannot Complete, Violation Of The Law:
The customer’s bank has declined the transaction and requests the
customer to contact their bank. The customer should use an alternate card.
Duplicate Transaction:
The customer’s bank has declined the transaction as this transaction appears to be a duplicate transmission. No action required.
System Error:
The customer’s bank was not able to process the transaction. The customer should attempt to process this transaction again.
AUTHENTICATION_FAILED:
The issuing bank could not authorize the transaction with the authentication details provided
AUTHENTICATION_ATTEMPTED:
Authentication was attempted but the card issuer did not perform the authentication
AUTHENTICATION_NOT_AVAILABLE_ERROR_DETAILS_PROVIDED:
Authentication is not currently available
FAILURE: BLOCKED:
Transaction blocked due to Risk or 3D Secure blocking rules
FAILURE: DECLINED:
Transaction declined by issuer
FAILURE: EXPIRED_CARD:
Transaction declined due to expired card
FAILURE: INSUFFICIENT_FUNDS:
Transaction declined due to insufficient funds
FAILURE: SYSTEM_ERROR:
Unable to process transaction at this time
FAILURE: TIMED_OUT:
Response timed out
FAILURE: UNKNOWN:
Response unknown
FAILURE: UNSPECIFIED_FAILURE:
Transaction could not be processed
NOT_ENROLLED_NO_ERROR_DETAILS:
The card is not enrolled for 3DS authentication
Suspected Fraud:
This might be a fraudulent transaction. It was flagged by the issuing bank fraud engine.
MPI_PROCESSING_ERROR:
The card is not enrolled for 3DS authentication.
3. How do I unsubscribe from Cyberpay as Merchant?
You can close your business on Cyberpay at any time. To do this, log into your Cyberpay Dashboard, go to “Settings” [1] then click on the Business tab [2], scroll all the way down, and click on “Close this business” [3].
Here’re a few things you should know about closing a business on Cyberpay:
– Only a business owner can close a business
– When you close a business, all other users on the business will receive
an email informing them that the business has been closed
– You can only close a business if your business has no pending disputes
– If after you close your business, a dispute is logged against your
business, the business account will be re-opened, and you’ll be
notified of the dispute.
Getting Started
1. What are the requirements for using Cyberpay as a Registered Business?
Business Requirements on CyberPay. Eligible merchants on CyberPay fall in two categories:
– Registered services – CyberPay Consolidated Scheme (CCS)
– Unregistered services – CyberPay Beginner Scheme
If your business is registered (CCS) and you want to integrate to CyberPay, the following are the requirements:
– Business Registration Document
– Corporate Bank Account
– BVN information of anyone affiliated with this business
For unregistered businesses (CBS), the following are the requirements:
– Means of identification: Any of the government issued means of identification like an international passport, driver’s license, permanent voter’s card, or national ID can be used
– Personal bank account
– BVN (Bank Verification Number)
The following are the documents acceptable for Business Registration Document for a Registered Business?
– Certified True Copy of Certificate of Incorporation issued by the Corporate Affairs Commission (RC/CAC_IT)
– Certified True Copy of Business Name Registration Certificate (BN)
– Corporate bank account opening documentation – mandates etc.
In case you did not meet the requirements for Registered business, you have an option of been activated under the CyberPay Beginners Scheme after fulfilling the requirements for the beginner’s scheme above.
Kindly access the Corporate Affairs Commission website for more information about business registration.
Transaction charges are borne by the merchants in line with the CBN regulation and international best practice.
The CyberPay Beginner Scheme is designed to accommodate businesses that are unregistered or currently passing through the process of registration.
The following are the requirements for such businesses:
- Means of identification: Any of the government issued means of identification like an international passport, driver’s license, permanent voter’s card, or national ID can be used.
- Personal bank account
- BVN (Bank Verification Number)
and international best practice.
The CyberPay Beginner Scheme is designed to accommodate businesses that are unregistered or currently passing through the process of registration.
The following are the requirements for such businesses:
- Means of identification: Any of the government issued means of identification like an international passport, driver’s license, permanent voter’s card, or national ID can be used.
- Personal bank account
- BVN (Bank Verification Number)
and international best practice.
Setting Up CyberPay
My Account
1. How do I open my CyberPay Account?
It costs totally nothing to open a Cyberpay Account!
Require demo screens
Require demo screens
Require demo screens.
This is available on your page on the merchant portal. You can access this whenever you sign on to your account.
Require demo screens.
Payment Channels
1. Pay with Bank
CyberPay avails your customers the opportunity of paying directly from their bank accounts when they select the “Pay with Bank” option at the point of checkout. The following banks are currently supported:
– GTBank
– Access Bank
– First Bank
– Zenith Bank
-United Bank for Africa (UBA)
We are working with other banks and they will be available shortly.
Transaction Charges when paying with bank account:
– Charge per transaction is 1.58%
– Fees are capped at NGN 1,000 – which means that NGN 1,000 is the highest amount payable
in fees to CyberPay.
CyberPay accepts all card variants – Mastercard, Visa and Verve. This means that your customers can pay with any of these card variants from any bank in Nigeria.
We are currently working on acceptance of International cards and this will be available soon.
Charge per transaction is 1.58%
Require demo screens
Require demo screens
CyberPay Dashboard
1. CyberPay Transfers - Requires Demo Screens
CyberPay transfer is only available to registered (Consolidated) businesses. Businesses can transfer funds settled into the wallet to any bank account of their choice.
Please note that CyberPay do not have any access to debit or make transfer from the merchant’s wallet.
Merchants can also top up or fund their wallet balances either directly through a bank card or through a bank account by using the wallet top-up option.
At CyberPay, we continue to provide you multiple means of collecting payments from your customers. The CyberPay invoicing service allows you to generate a link that you can share with your customers via WhatsApp, emails, direct messaging on Twitter etc.
This is a feature to be added later
This is a feature to be added later
Getting Your Money
1. How does Payout work on CyberPay?
Both Beginner and Consolidated Businesses) are to be settled within the standard regulated settlement schedule of T+1. This implies that settlements are made into specified accounts after 24 hours of the transactions.
This is the default settlement plan and settlements due on weekends and during holidays are made on the next working day.
However, we have settlement plans that allows access to Payout earlier than 24 hours but this is only available to Consolidated businesses.
This is currently not available on CyberPay.
Requires demo screen
CyberPay consolidated businesses do not have any limit on the amount they can collect but Beginner’s Businesses are limited as follows:
Two million Naira (N2,000,000) limit: This limit is applicable to Beginner Businesses who have activated their business by providing only their government-issued ID and BVN.
CyberPay does not charge for settling your transactions into your preferred/selected bank account if the settlement plan is within the default schedule of T+1.
However, should you require faster access to your payout, we will charge you a fee for moving/transferring settled funds from your wallet into any bank account.
Transaction Charges
1. How much does CyberPay charge per transaction?
Charges for card usage:
– Charge per transaction is 1.5%
– Fees for cards are capped at NGN 2,000 – this means no local transaction will be charged more than NGN 2000.
Transaction Charges when paying with bank account:
– Charge per transaction is 1.25% + NGN 50
– The NGN 50 is waived for transactions below NGN 2,000. This means that for transactions below NGN 2,000 the charge will be 1.25% only
– Fees are capped at NGN 2,000 – which means that NGN 2,000 is the highest amount payable in fees to CyberPay.
Account Management
1. Can I use one CyberPay account for multiple businesses
As a Merchant, you have the opportunity to have multiple businesses on one CyberPay Profile.
Requires demo screens.
Requires demo screens.
Requires demo screens.
Security
1. Why is CyberPay secure?
CyberPay is compliant with all local and international standards for processing, exchange and storage of electronic transactions.
CyberPay is PCIDSS compliant and also process transactions based on tokens provided by Mastercard Secure Code, Verified by Visa and Verve Safetoken.
Please note the following in order to protect your identity and data:
– CyberPay will never ask you to prove your identity on behalf of other individuals or companies..
– Kindly ensure that as the account owner, only you should create and have access to your login details
– Do not send your ID or passport to unknown or unverified recipients.
– When asked to provide certain documents, please ensure you send to email provided by CyberPay only
– We will never ask for your username, password, or PIN codes outside the CyberPay merchant portal.
Transactions are processed through our proactive risk and fraud management platforms to ensure and proactively prevent instances of fraud.
CyberPay is also compliant with all the local and international standards on protection of payment data, transactions and funds.
We are obliged by regulations from the Central Bank of Nigeria to monitor and check transactions from our merchants in line with the Nigerian laws on Money Laundering activities.
We also do this to proactively prevent instances of fraud and fraudulent practice and also ensure the safety of your funds as well as protecting the integrity of our networks and connections to you.