Ramadhan has thought us patience, self control, perseverance and long suffering. Now we rejoice in the victory of our faith!
Our elders have led us to a new Syawal of Hope. Let us all rejoice together and greet each other by saying “Selamat Hari Raya. Maaf, Zahir Dan Batin. Harapan Kami Pakatan Baru akan membawa Berkat untuk semua!”
The left hand shouldn’t know what the right is doing. There is wisdom in this advice. It is meant to encourage people to show discretion when performing a good deed such as charity. In Islam, the act of charity is highly encouraged. There are however two very different ways to go about it; you can either give charity publically or you can give it discretely. The latter carries more rewards, though, in some situations, public display of charitable donations is preferred because it encourages others to follow suit.
The act of charity is deemed to be one of the most favourable acts in Islam. Allah (SWT) and his Prophet Mohammed (PBUH) mentioned time and time again that the act of charity is great, and should be performed on a regular basis. There are several Ahadith on the importance of charity as well as verses in Quran that clearly tell us giving charity is a righteous and great act in the eyes of Allah (SWT).
However, when giving charity, discretion is advised, hence the saying that the left hand shouldn’t know that the right hand is doing. Prophet Muhammed (PBUH) once said:
“There are seven whom Allah will shade on the Day of Judgement…”
He went on to mention six of them and finally concluded by saying:
“…A man who gives in charity and hides it, such that his left hand does not know what his right hand gives in charity; and a man who remembered Allah in private and so his eyes shed tears.” (Abu Hurairah & collected in Saheeh al-Bukhari (English trans.) vol.1, p.356, no.629 & Saheeh Muslim (English trans.) vol.2, p.493, no.2248)
The last part of the Hadith mentioned above gives a very important message to all humanity. It reminds us that we, as humans, need to acknowledge the difference we can make and the motives behind it. A lot of us have forgotten the real meaning of charity, and so have ended up doing it with the wrong intentions. Many people give donations to help those who are in a critical situation, such as the people of Syria. Everyday Aid for Syria flows both within Syria and across its borders to the many refugee camps.
Eid-ul-Fitr recently concluded this last month. Prior to that, millions of Muslims observed a month of fasting during Ramadan and gave Zakat generously. This is encouraging because it is important to remember those that are less fortunate in difficult times. People like those of Gaza, as well as those suffering in Myanmar and Syria. These is a lot of relief work that needs to doing and making donations through relief aid agencies gives you the necessary discretion, but enables you to do your part in helping the poor.
A man who gives in charity and hides it, so that his left hand does not know what his right hand gives, is essentially a person who cares more about helping other people with good deeds than what other people think of his good deeds. Let us all be discrete in our pledges and donations this year. Let us donate graciously as is expected of us and assist the many who are suffering right now.
The left hand shouldn’t know what the right is doing. There is wisdom in this advice. It is meant to encourage people to show discretion when performing a good deed such as charity. In Islam, the act of charity is highly encouraged. There are however two very different ways to go about it; you can either give charity publically or you can give it discretely. The latter carries more rewards, though, in some situations, public display of charitable donations is preferred because it encourages others to follow suit.
The act of charity is deemed to be one of the most favourable acts in Islam. Allah (SWT) and his Prophet Mohammed (PBUH) mentioned time and time again that the act of charity is great, and should be performed on a regular basis. There are several Ahadith on the importance of charity as well as verses in Quran that clearly tell us giving charity is a righteous and great act in the eyes of Allah (SWT).
However, when giving charity, discretion is advised, hence the saying that the left hand shouldn’t know that the right hand is doing. Prophet Muhammed (PBUH) once said:
“There are seven whom Allah will shade on the Day of Judgement…”
He went on to mention six of them and finally concluded by saying:
“…A man who gives in charity and hides it, such that his left hand does not know what his right hand gives in charity; and a man who remembered Allah in private and so his eyes shed tears.” (Abu Hurairah & collected in Saheeh al-Bukhari (English trans.) vol.1, p.356, no.629 & Saheeh Muslim (English trans.) vol.2, p.493, no.2248)
The last part of the Hadith mentioned above gives a very important message to all humanity. It reminds us that we, as humans, need to acknowledge the difference we can make and the motives behind it. A lot of us have forgotten the real meaning of charity, and so have ended up doing it with the wrong intentions. Many people give donations to help those who are in a critical situation, such as the people of Syria. Everyday Aid for Syria flows both within Syria and across its borders to the many refugee camps.
Eid-ul-Fitr recently concluded this last month. Prior to that, millions of Muslims observed a month of fasting during Ramadan and gave Zakat generously. This is encouraging because it is important to remember those that are less fortunate in difficult times. People like those of Gaza, as well as those suffering in Myanmar and Syria. These is a lot of relief work that needs to doing and making donations through relief aid agencies gives you the necessary discretion, but enables you to do your part in helping the poor.
A man who gives in charity and hides it, so that his left hand does not know what his right hand gives, is essentially a person who cares more about helping other people with good deeds than what other people think of his good deeds. Let us all be discrete in our pledges and donations this year. Let us donate graciously as is expected of us and assist the many who are suffering right now.
Made in Malaysia products to be promoted globally
| 07 April, 2018
NST TASNIM LOKMAN and ALIZA SHAH
April 7, 2018 @ 10:25pm | KUALA LUMPUR
Barisan Nasional will continue to channel contributions and develop small medium enterprises in a bid to promote the Malaysian made products globally.
BN, in unveiling its manifesto for the 14th General Election, also pledged to stimulate the Halal economy and ensure that Malaysia becomes a global leader in the industry, with Bumiputeras as the main driver.
This, would be done via an allocation of RM1 billion through the Halal Development Fund.
The coalition will utilise digital transformation to enhance the contribution of Small and Medium Enterprises (SMEs) by providing grants and credit guarantee opportunities to reach new international markets.
The role and functions of the Secretariat for the Advancement of Malaysian Entreprenuers (Same) will also be strengthened to assist the Chinese SME businesses.
Tax incentives and special development funds would also be given to encourage leading brands and to assist the growth of small enterprises.
The party also seeks to address urban poverty by developing business centres for small enterprises and food trucks as well as encouraging urban culture.
Food truck businesses would be supported by creating more business areas and instituting programmes for vehicle modification.
The BN manifesto also plans to build more Urban Transformation Centres and Rural Transformation Centres nationwide to improve the government’s efficiency.
Armed Forces retirees would also be given the Micro Financing Scheme for Veteran Entreprenuers (SPMV) in helping setting up a business.
The number of Perbadanan Perwira Niaga Malaysia (Pernama) retail outlets will also be increased to allow armed forces personnel to buy daily necessities at low prices.
A portal called Orang-E will be introduced to help Malaysians monitise their talents and services, and various other agencies such as PlatCOM would be established to improve the productivity of entreprenuers, investors and new start-up firms.
Realising the true potential of the creative industry as a new source of income, BN will also plans to expand platforms and allocate funds for industry practitioners.
PayHalal for Sellers
Businesses sell more with PayHalal because we accept more payment types anywhere you do business. Not only is it easy to set up and use, but we also o er you comprehensive security and protections coverage. The best of all, customers using smartphones can see a mobile-optimised PayHalal checkout automatically – no integration needed.
Why PayHalal? Besides being Islamic!
1. Accept global payments
PayHalal accepts 26 currencies in 203 markets. Buyers pay you
2. Get paid instantly
Payments are con rmed and usually appear in your PayHalal account instantly.
3. Withdraw or spend the funds
Withdraw funds into your local bank account or pay your suppliers around
the world.
Payments are confirmed instantly.You can choose to have multi currencies in your PayHalal account
Getting Paid Button up your website
Start accepting payments on your website in minutes by adding PayHalal buttons. Your customers can choose how they want to pay – credit or debit card, PayHalal or bank account, whichever is applicable.
1 Get started quickly with our payment buttons. Just copy and paste a few lines
of html code onto your site to create the buttons. You can also choose to work with our Partner that already pre-integrated with PayHalal solutions.
2 If you are already accepting credit and debit cards on your website, add PayHalal as a payment option to streamline the checkout process, thereby improve sales conversions. Learn more about our API solutions.
How to create a PayHalal button
1. Go to your account Profile and select “My selling tools”
2. Go to “PayHalal buttons” and click “Update”
3. Select a sample button or create your own
No problem if you don’t have a website. Use our invoicing solution.
The whole of invoicing can be condensed into the following:
A. Make it easier for your customers to pay online. B. Simply create a professional looking invoice, customise it with your company logo, product details and refund conditions. Save it for future use again. It’s that easy.
How to create a PayHalal invoice
1. Log in to your business account
2. Go to “Invoicing”
3. Enter product and transaction details and hit “Send”
Managing Money
Link your bank account for withdrawals and get verifed
Access your funds
To ensure a safer community, new sellers may experience delayed access to their payments. The funds will be shown as pending balance, and if everything goes well, the money will be released within 21 days. Once you’ve established a good selling history with us, you should be able to withdraw the money instantly. Log in to your account to view your country specific-criteria.
Add a bank account for future withdrawals
Withdrawing money from PayHalal is easy. Simply link your a bank account to PayHalal and make sure that the name on your bank account matches the one on your PayHalal account. When you transfer funds from your PayHalal account to your bank account, we may deduct a fee.
Underwriting
The majority of our merchants are able to set-up an account and start transacting immediately. For a small minority of merchants with a very high sales volume, additional information related to their nancial and business model may be requested for review as part of our Underwriting process. This enables us to gain a better understanding of these larger merchants and provide them with customised solutions. We will get in touch with you if your sales volume or industry type quali es you for Underwriting.
Your Security, Our Priority
Sell with confidence knowing that our industry-leading fraud prevention system and intelligence are working tirelessly around the clock to keep you more secure.
Seller Protection
We protect you from eligible costs incurred from claims, chargebacks and reversals for unauthorised transactions and items not received by the buyer. We will reimburse you the full amount of the eligible payment and waive the chargeback fee if applicable.
Items Not Covered
Claims or chargebacks for items that don’t match your description, motor vehicles, intangibles like services or digital goods, items that have been shipped after PayHalal has advised not to ship the item, and items that violate our acceptable use policy (things generally prohibited by law anyway) are not covered. Certain types of transactions or situations are also omitted from Seller Protection. These include transactions made through email, items delivered in person or postage that can’t be tracked.
We screen every incoming transaction and user so we can detect and stop fraud before it happens. By providing additional accurate information about your business, such as your company URL, you can help us verify your identity and better manage your account. This also helps increase the overall security of our ecosystem and wins the trust of buyers.
All your information is in one place
Link your credit card and bank details to your PayHalal account only once and
you won’t have to share it again. We’ll automatically encrypt all of your sensitive information and email communications with Secure Sockets Layer protocol (SSL) 3.0 (or higher) and the highest encryption key length of 256 bits. It’s then stored on a heavily guarded server – both physically and electronically.
Operational Guide
Managing Customers’ Concerns
Once in a while, something can go wrong with an order due to simple misunderstanding or human error. You can quickly reduce or resolve the likelihood of buyer disputes, claims and chargebacks with improved communications and customer service.
Improving customer satisfaction
Communication is the key to reducing your likelihood of claims, disputes and chargebacks. You should:
• Post items quickly and track shipments.
• Send the tracking number to your customer so they know when to expect their purchase
• Give realistic delivery dates – don’t over-promise.
• Be accurate with your item descriptions.
• Provide your contact details so customers can contact you with their issues.
• Respond to queries and issues quickly.
• Display your return policy clearly.
Tips to reduce disputes and chargebacks
Add a Customer Service Message
Add a customer service message that will pop up before your customer les a dispute or claim. This lets a customer know how to get in touch with you to resolve an issue directly or to notify them about shipping delays, so they will be less likely to le a dispute or claim.
Example:
• Shipments to the European region may experience a delay by 5-7 days because of the weather.
• To request a refund, please contact our customer service at contact@payhalal.net
What is a dispute?
A buyer who is not satisfied with a transaction may file a dispute in the Resolution Centre. Our dispute Resolution Centre can help you work out issues with a customer and arrive at a solution both sides can agree on, saving you time and money.
Common reasons for opening a dispute includes:
• Item not received (INR): the buyer has not received the item.
• Item significantly not as described (SNAD): the buyer receives an item that does
not t your item description.
How to resolve
. 1 Login to PayHalal and go to the Resolution Centre. Here, you’ll be guided in a step-by-step tutorial on how to respond to a dispute.
. 2 The Resolution Centre helps you to track, manage and resolve your dispute as quickly as possible.
Resolve this problem directly and amicably with the buyer before it’s escalated to a claim.
Provide prompt customer service so customers feel comfortable to buy from you again.
Understanding chargebacks
A Chargeback occurs when a buyer requests their credit card issuer to reverse a transaction that has already gone through. They are usually led due to:
• Item not received (INR): the buyer does not receive the item.
• Item signi cantly not as described (SNAD): the buyer receives an item that does
not t your item description.
• Unauthorised use: the buyer’s financial information was stolen and used
fraudulently.
We provide tools and tips to help you resolve unwarranted chargebacks. If you meet the eligibility requirements, PayHalal Seller Protection will also protect you from costs arising from unauthorized transaction and INR chargebacks.
How to resolve
Communication is the key when working to reduce the likelihood of claims, disputes and chargebacks. You should:
1. If a buyer files a chargeback against you for a credit card transaction through PayHalal, we’ll email you as soon as we’re contacted by the credit card company.
2. Please go to our Resolution Centre and upload any documents which can support your case.
3. Funds in question will be held temporarily, as we work with you to resolve the chargeback with the buyer’s credit card issuer.
4. The resolution process can take 75-100 days, depending on the credit card issuer.
5. If the credit card issuer decides in your favour, PayHalal will immediately transfer the funds back to you.
Issue a refund
You can issue a full or partial refund within 60 days after a buyer pays you. When you issue a full refund, PayHalal will return the full transaction fee, but keep the xed fee. As for a partial refund, PayHalal will keep the same partial percentage of the fixed fee.
How it works
1. Select the transaction you want to refund
2. Click on “Issue a refund”
Enter the amount to issue the refund.
. 1 Financing:
Look out for government agencies that support and nance exporters.
. 2 Setup
: The Internet makes it easier for you to reach out to international buyers. Some tips to make your website more appealing:
Highlight your ability to accept international orders .
Make sure your website has a toggle to switch languages List your products in the local currency .
Offer clear information on shipping, costs and countries serve .
. 3 Marketing/Sales
Look for ways to attract international buyers, and expand your existing domestic marketing. Local search tools and direct mail are possible options.
. 4 Payments
: With 203 markets, 26 currencies and 152 million active accounts worldwide, PayHalal allows your business to:
Accept a wide variety of global payment methods with ease
Receive payments from more than 152 million accounts worldwide
Sell to customers in 203 markets using 26 currencies
PayHalal gives your business access to local funding methods worldwide, without the hassle of opening multiple merchant accounts overseas.
With a single PayHalal account, you have access to all the worldwide bene ts that can grow your business.
. 5 Shipping
: For global shipping services, check out shopping carriers that service your area. Larger shipping companies will o er packages and all-in-one solutions, which may include handling, customs and excise documentation, and shipping calculators. Visit the following for more options.
. 6 Customer service
: Language can be a barrier for international customer service. Although most of your buyers will be able to understand English, you should make sure that your return policies are clear for international transactions. If your company intends to set up a website overseas, it is important to provide customer service in the local language.
7 Regulations
: Customs and documentation
All shipments must clear customs, which is the agency monitoring shipments entering a country or region. To help customs o cials understand the contents, value and purpose of your shipment, you should attach customs forms to the outside of your package. Some shipping companies will handle this for you as a service.
As a general rule, you should not declare your package’s contents as a “gift”. It is against the law to misrepresent an item to avoid customs fees.
Duties and taxes
Duties and taxes may be charged to the buyer on certain items, and vary by country. Make sure that your customers are aware that duties and taxes are their responsibility.
PayHalal is a Shariah attested Islamic Payment Gateway. The entire platform is designed based on the Sirat Al Mustaqim belief whereby PayHalal provides only Shariah compliant products and services like a bridge that connects Muslims to Halal products and services. With PayHalal, Muslims can conveniently and securely send, receive and shop throughout the world for Halal goods and services. PayHalal is listed top among the online Islamic banking networks as well by a perpetual social majority. A Muslim can most conveniently and most securely send, receive and shop from anywhere throughout the world for Halal goods and services.
PayHalal gives any business and individual an email address by which users can make money transfers through the internet. PayHalal account can readily be funded with monies transferred into PayHalal e Wallet via CASA, e monies, MOL and electronic debit card issued by a bank account or by using an Islamic credit card. In partnership with Bank Muamalat in 2018, PayHalal starts requiring a verified bank account to increase limits of transaction as much as depositors. PayHalal offline businesses which include among others, freelancers, contractors and lawyers have begun to receive payments online through PayHalal. It permit users to send payments using their computers as well as using web accessed mobile phones. PayHalal will extend its services to EMEA by 2019.
Top 10 highlighted Features:-
1. PayHalal Supports 25 Currencies
PayHalal customers can send, receive and deposit money in over 25 currencies. And the major currencies like Ringgit Malaysia, Australian Dollar, Canadian Dollar, US dollar, Euro and Pounds .
2. Security Key
PayHalal has introduced a security key against frauds. It creates random security codes in order to protect your PayHalal account. It has two types: i) A security key for a small-sized device for credit card, that makes a security code. ii) A mobile security key, to which a person could sign up and get security codes sent via SMS (short message service) to your phone.
3. Accounts for Teenagers
In April 2018, PayHal will launch SISWA, a student account for teenagers. PayHalal now offers students an actual Debit Card issued by MasterCard® Bank Muamalat. Students are able to use the debit card anywhere in the world along with their personal information on it.
4. Peer-to-Peer Transactions
PayHalal has made available a platform which allow users to carry out peer-to-peer transaction throughout the internet securely .
5. PayHalal targets 160 Million User Accounts
There’s about 1.8 billion unbanked in the world, mostly from the Islamic world. PayHalal has strategically addressed the needs of Muslims and the unbanked and has made available financial service products to meet those gaps in the market place. PayHalal is confident of capturing 70% of the global Islamic and halal markets and foresees a total TPV of 5.7 Trillion Ringgit in 2026.
6. Donate Button
PayHalal Sadaqah provides a simple to use donation feature. The Sadaqah button will be made available in campaign websites, blogs or emails which drives donations for cause.
7. Protection of Personal Information
PayHalal is PCI DSS compliant and observes the Personal Data Protection Act 2010 (PDPA)
8. Withdrawal (Malaysia)
You can use any ATM network with MEPS to make a withdrawal or top up into your PayHalal account from a CDM / ATM instantly.
9. Buyer and Seller features
i) Buyers: PayHalal connects Credit card, Debit card and Bank Account into a 3 in 1 Personal Email address. PayHalal does not reveal buyer’s personal information while shopping. Easy to shop using PayHalal with any Halal market or with any other merchants across the world. ii) Sellers: PayHalal offers low transaction fees against credit cards, debit cards and banks. Sellers can add PayHalal purchase/order button in their websites and blogs within minutes.There is a delivery guarantee program with delivery guarantee insurance subscriptions.
10. PayHalal Most Preferred by Halal Merchants
PayHalal provides a Halal way to get paid and sell online anywhere in the world. At Present, PayHalal is the only Islamic e Payment Gateway in the world. It is a payment method most welcomed by the biggest Islamic and Halal merchants. Sending money through PayHalal is peaceful, secure and free of RIBA.
PayHalal Features
• Pay for online purchases without directly using your CASA, MOL, debit or credit card
• Quickly send funds to another Payhalal account in over 20 supported currencies
• Converts and withdraws PayHalal funds to a supported Islamic bank account. Over 35 countries to be covered
• Sellers create and manage invoices right from the app
• Request payments from almost anyone with an email address, even when they do not have a PayHalal account
• iOS, Android, and Windows Phone apps available
PayHalal Pricing
• Fee for personal transfers inside Malaysia; from 2% fee for international personal transfers
• 2.9% + MYR 1.00 per transaction for sales inside Malaysia; 3.9% plus currency-based fee for international transactions
• 5% + MYR1.00 per transaction for microtransactions under $10
• All fees are based on Ujrah Shariah Principle
PayHalal Review
PayHalal is a pioneer in the Islamic digital payments era, one of the first to make it possible to send funds from one person or country to another from a connected mobile device or a computer. Founded in 2016, it is become a staple payment method for thousands of Islamic eCommerce websites all over the world, catering to over 35 markets and 20 currencies. This arguably is PayHalal main selling point, since most up-and-coming payments solutions are still non Islamic with exposure to RIBA and typically exclusive to countries like USA, UK, and Australia.
Despite its age, PayHalal remains to be a strong number 1 as a virtual Islamic payment solution.
The PayHalal Summary page is the first thing to greet you with Assalamualaikum when you log in (if you’re not a Muslim a general hello or gooday greetings will apply). If you have been using your account for quite sometime, it displays a full list of completed transactions with their respective dates and amounts. The main menu sits at the top of the page where you can easily access other core features: Activity, Wallet, Send/Request Payments, notifications and account settings. On the left side of the screen is an overview of your PayHalal balance, your list of banks and cards, and info links you may be interested in. Overall, the new site design has made everything more visible and accessible, even if you’ve just started using the platform.
Sending and receiving payments with PayHalal remains consistent. You can send funds to another PayHalal account, request payments from anyone with an email address (PayHalal or non-PayHalal account holder), and/or withdraw funds to a supported bank account. If you are a seller using PayHalal as a payments platform, you can create and manage your invoices as well. All transactions are covered by the PayHalal Buyer and Seller Protection policy, which any user will need to read to get the full scoop on how PayHalal operates and more importantly, how the company settles the score when dealing with buyer/seller disputes.
Withdrawing funds to a bank account is a core PayHalal feature. By default, your money stays in your PayHalal account placed in our trustee bank, but it is also possible to transfer PayHalal funds into actual money in the bank. That is especially needful if you are running a business through PayHalal. Withdrawal fees and delivery dates vary depending on the sender and receiver’s country of origin and bank.
Need to recheck or retrieve info about a previous transaction? The Activity page has been revamped to make retrieving activity history fast and easy. You can search for transactions dating 30-90 days or specific transactions (e.g. Payments received, refunds) by setting the proper filters. If you need a soft copy, simply click on Statements (underneath Simple and Detailed views) and click on Activity export to download a spreadsheet of transactions.
There’s one thing PayHalal is credibly known, it’s security. PayHalal is vigilant and constantly monitors and increased its security measures, which can keep your money safe. Frozen accounts are a PayHalal user’s worst nightmare and reaching out to customer support can sometimes take significant time and effort. For some, it’s inherent in a payments solutions company. For others, it’s a deal breaker and good reason to try a different service.
The best way to prevent incidents is to use strong account passwords and comply PayHalal account verification process. An unverified account suffers from withdrawal limits wherein the service limits your ability to withdraw until you supply the requirements needed for verification. Verification, however, is a simple process so long as you have an active and funded credit or debit card to use. A fee of MYR3.00 (or its equivalent in your respective currency) is deducted from your card and refunded right once you’ve supplied the verification code associated with the charge.
Fees are PayHalal main source of income. They apply to currency conversions for overseas payments (e.g. USD to AUD) and to sellers’ accounts for every sale made. It helps to have a copy of the fees table on hand, in case you need to know how much PayHalal will be adding on top of your purchase.
PayHalal has an ethical obligations not to over charge and be Shariah compliant which has made it a popular choice for the Islamic digital payment solution; whether it’s the right payments platform for you or not depends on your Islamic obligations to fulfill Fardhu Ain . At the very least, it’s one of the most Halal ways to send money to almost anywhere around the world.
for further information email:salam@payhalal.net
What is a payment gateway and what is its role in ecommerce?
PayHalal is a Islamic payment gateway for the Islamic ecommerce service that processes payments from CASA,E Money to credit card payments for online and traditional brick and mortar stores.
PayHalal Payment gateways facilitate these transactions by transferring key information between payment portals such as web-enabled mobile devices/websites and the front end processor/bank.
PayHalal Payment gateways fulfill a vital role in the Islamic ecommerce transaction process, authorizing the payment between merchant and customer.
PayHalal payment data processor analyzes and transmits transaction data. PayHalal Payment gateways authorizes the transfer of funds between buyers and sellers.
How PayHalal payment gateways work
When a customer places an order from an online Islamic store, PayHalal payment gateway performs several tasks to finalize the transaction:
* Encryption:
The web browser encrypts the data to be sent between it and the vendor’s web server. The gateway then sends the transaction data to the payment processor utilized by the vendor’s acquiring bank.
* Authorization Request:
The payment processor sends the transaction data to a card association. The credit card’s issuing bank views the authorization request and “approves” or “denies.”
* Filling the Order:
The processor then forwards an authorization pertaining to the merchant and consumer to the payment gateway. Once the gateway obtains this response, it transmits it to the website/interface to process the payment. Here, it is interpreted and an appropriate response is generated. This seemingly complicated and lengthy process typically takes only a few seconds at most. At this point, the merchant fills the order.
Clearing Transactions
The steps outlined above are repeated in an effort to “clear” the authorization via a consummation of the transaction. However, the clearing is only triggered once the merchant has actually completed the transaction (shipping the order). The issuing bank changes the “auth-hold” to a debit, allowing a “settlement” with the vendor’s acquiring bank. The processor is then relied upon to settle all of the vendor’s approved authorizations with the acquiring bank at the end of the day.
Other PayHalal Payment Gateway Functions
PayHalal also screen orders with a myriad of helpful tools. This screening process filters out as much non halal and fraud as possible. Examples of gateway fraud detection tools include:
* Delivery address verification
* AVS checks
* Computer finger printing technology,
* Velocity pattern analysis
* Identity morphing detection
* Geolocation
PayHalal Payment gateways even calculate tax amounts to authorize requests transmitted to the processor.
PayHalal is the leading halal E-Payment Solutions for Halal ecommerce platform for growing and mid-market Islamic retailers. Use PayHalal For Receiving Web Payments And Invoices?If you’re accepting payments regularly, sign up for a PayHalal Dagangan business account to get more helpful solutions and enjoy discounted rates.See fees for businessEnjoy safer shopping for Halal goods and servicesSign Up NowSimple, straightforward fees for businesses.There’s a one time set up minimum fees which gives spread of API technology goodies . We simply charge a small fixed transaction fee based on your total sales volume which is void of gharar ( uncertainty and speculative charge s). The more you sell, the lower the fee.Fee estimates based on your sales volume.
See the fees breakdown existing customers can apply for discounted rates.
Use PayHalal For Receiving Web Payments And Invoices?If you’re accepting payments regularly, sign up for a PayHalal Dagangan business account to get more helpful solutions and enjoy discounted rates.See fees for businessEnjoy safer shopping for Halal goods and servicesSign Up NowSimple, straightforward fees for businesses.There’s a one time set up minimum fees which gives spread of API technology goodies . We simply charge a small fixed transaction fee based on your total sales volume which is void of gharar ( uncertainty and speculative charge s). The more you sell, the lower the fee.Fee estimates based on your sales volume.Fee2.9% + MYR1.00See the fees breakdownExisting customers can apply for discounted rates
*The fixed fee is based on overseas payments received in USD, or whatever the relevant currency is. Additional currency conversion fee may apply.1 Your application for discounted rates is still subject to approval.
* If the information in your withdrawal request is incorrect or incomplete, the funds will be returned to your PayHalal account and a return fee will apply. Your bank/card may charge additional fees.
salam@payhalal.net
PayHalal Payment Gateway Explained
What is a payment gateway and what is its role in ecommerce?
PayHalal is a Islamic payment gateway for the Islamic ecommerce service that processes payments from CASA e Money Debit and credit payments for online and traditional brick and mortar stores.
PayHalalPayment gateways facilitate these transactions by transferring key information between payment portals such as web-enabled mobile devices/websites and the front end processor/bank.
PayHalal Payment Gateway fulfill a vital role in the Islamic ecommerce transaction process, authorizing the payment between merchant and customer.
PayHalal payment data processor analyzes and transmits transaction data. PayHalal Payment gateways authorizes the transfer of funds between buyers and sellers.
How PayHalal payment gateways work
When a customer places an order from an online Islamic store, PayHalal performs several tasks to finalize the transaction:
• Encryption: The web browser encrypts the data to be sent between it and the vendor’s web server. The gateway then sends the transaction data to the payment processor utilized by the vendor’s acquiring bank.
• Authorization Request: The payment processor sends the transaction data to a card association. The credit card’s issuing bank views the authorization request and “approves” or “denies.”
• Filling the Order: The processor then forwards an authorization pertaining to the merchant and consumer to the payment gateway. Once the gateway obtains this response, it transmits it to the website/interface to carry out the transaction . Here, it is interpreted and an appropriate response is generated. This seemingly complicated and lengthy process typically takes only a few seconds at most. At this point, the merchant fills the order.
Clearing Transactions
The steps outlined above are repeated in an effort to “clear” the authorization via a consummation of the transaction. However, the clearing is only triggered once the merchant has actually completed the transaction . The issuing bank changes the “auth-hold” to a debit, allowing a “settlement” with the vendor’s acquiring bank. The processor is then relied upon to settle all of the vendor’s approved authorizations with the acquiring bank at the end of the day.
Other PayHalal Payment Gateway Functions
PayHalal also screen orders with a myriad of helpful tools. This screening process filters out as much non halal and fraud as possible. Examples of gateway fraud detection tools include:
• Delivery address verification
• AVS checks
• Computer finger printing technology,
• Velocity pattern analysis
• Identity morphing detection
• Geolocation
PayHalal Payment gateways even calculates tax amount to authorize requests transmitted to the processor.
PayHalal is the leading halal E-Payment Solutions for Halal ecommerce platform for growing and mid-market Islamic retailers.
PayHalal Tax Solutions Platform
Paying your taxes isn’t what any entrepreneur dreams of when starting a business.
• You don’t think about the spreadsheets and the constant state updates.
• You don’t think about how to charge sales tax, when, where, why and on which products.
That’s because taxes are just the cost of doing business.
Sadly, doing them incorrectly (and definitely not doing them at all) can cost you your business.
So, to make sure you are zipped up on everything you need to know to pay the right amount, charge the right amount and do it all in accordance with state and national laws, we’ve put together a comprehensive resource you can bookmark for future reference.
What’s in the Ecommerce Tax Guide:
• The basics of GST including when you need to collect based on Malaysian Law.
• How to register for a sales tax permit (and what could happen if you don’t).
• The difference between origin and destination-based sales tax sourcing.
• The true definition ofGST and what it means for your business.
• How to file regularly and on-time, without taking focus from growing your sales.
• How file tax
• Where Amazon has fulfillment centers (and what that means for sellers).
• How to collect sales tax on E market and set up tax codes
• How to report sales tax collected from E market
• When you need to pay business tax with a calendar you can keep.
The PayHalal Benefits of GST Automation
PayHalal automatically configures sales tax if your business does not have any special tax needs.
Malaysian merchants use automatic GST calculator that determines GST rates during checkout based on a standard tax rate for states in which these businesses are required to collect sales tax.
And for merchants who require any special GST exemptions, PayHalal has partnered closely with Customs to streamline the tax collection process by integrating with their automation software.
It uses real-time tax rate calculations and calculates sales tax via geo-spatial mapping, ensuring accurate results every time.
Businesses without their own accounting departments, i.e. most folks in the process of building a sustainable, long-term venture, cannot afford the time cost in keeping track of compliance across jurisdictions.
While this guide will walk you through everything you need to know and cover any “Gotchas” in ecommerce tax, it is much more efficient to use automation instead.
This is especially useful when it is tax time.
Here’s how it works with PayHalal GST automation software when needing to file your business taxes.
1. Enable document submission:
Available within “Tax Options” in the PayHalal “Store Setup”. This feature ensures completed invoices and credits are recorded in Avalara and populate sales tax reports to help you reconcile and file returns.
2. GST settings:
Login to PayHalal GST Platform to ensure you have enabled the proper tax settings for your Berkart store. Most importantly, identify where you’re registered so PayHalal knows to apply sales tax on all orders shipped within your jurisdictions.
3. Filing tax returns:
Don’t forget that you must file a sales tax return and remit all tax collected on a regular cadence for each jurisdiction. You can do that by either:
• Accessing free tax report from your account to reconcile and file yourself
• Enabling PayHalal automated tax return services and put your tax filings
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We’re on a mission to provide businesses like yours marketing and sales tips, tricks and industry leading knowledge to build the next house-hold name brand.
For further information email us at salam@payhalal.net
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