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
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”
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.
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.
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.
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.
• 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 email@example.com
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.
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
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.
7 Useful Pointers for Selling Overseas PayHalal is the safer, easier way to sell overseas
. 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.
: 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.