Here are some common questions about Agapay.
How are you different than the other companies?
Agapay’s mission is to spread the culture of giving back to the community.  Agapay Donates 5% of its gross revenue to a nonprofit of the business choice or one that Agapay supports.  Meaning every transaction gives towards a cause.
What kind of support can I get when I sign up with Agapay?
At Agapay, our primary focus is on our customers. Our well-trained staff is ready to assist you to remove as much hassle as possible. Instead of calling into a large call center, you call one of our staff who can help with most issues. When we don’t know the answer, we will work to get it. If it requires additional support, we will set up the call helping you to avoid long wait times. We are also available via email, text, and Skype instant messaging for quick responses.
New Accounts
What states can you do business in?

We can do business in all 50 states.

What are your rates?
Our rates are determined on a case by case basis, depending on your needs, services and business type. For each account, we provide a customized plan to suit your individual needs.
What type of options do I have for accepting payments from my customers?
At Agapay we strive to give you the flexibility to accept payments on your terms. We have options for different types of business such as retail, eCommerce, mobile, mail order, telephone order, etc. We will work with you to determine the best option to help your business accept payments.
How fast can I get my business approved?
Typically a decision is made within 2-4 business days after the application is submitted. However, depending on the business type, industry, and risk level additional documents and verification may be required during the decision process.
What paperwork do I need to submit to get approved?
For most accounts, a signed application, three months of processing statements and proof of a valid business (articles of incorporation or business license) and a driver’s license are all that we need to get an account approved. Depending on your industry, or how you process credit cards, there may be an additional request for documents or financials.
What is a payment processing fee?
It is an amount paid in processing a credit card transaction.
What is a Chargeback & Retrieval?
Chargeback – A chargeback occurs when a customer issues a complaint to their bank or credit card company for any number of reasons. Some examples include the unauthorized use or fraud, delivery of the products never happened, delivered wrong items or orders (wrong color, size, etc.), feeling of being overcharged, etc. When a chargeback occurs, the amount in dispute and a chargeback fee will be deducted from the business’s account, and a letter will be sent to the store requesting documentation and an explanation regarding the transaction. Once the business’s response is received, a determination is made, if the business wins the dispute, the money is returned (minus the fee that was charged). If the merchant loses, the money is returned to the cardholder.

Retrieval – A retrieval occurs when a customer or card issuer questions the validity of a charge. Generally, a retrieval is satisfied by submitting the signed transaction receipt/ credit card authorization and a copy of the itemized receipt or invoice. If a merchant fails to respond within the specified time or does not provide appropriate documentation, the retrieval can become a chargeback.

Why is my business considered high risk?
Determining business in high risk includes several factors such as the industry type, average transaction amount, the financial health of the business, etc. Some industries have a higher likelihood of receiving chargebacks, or the impact of chargebacks might be more significant. Because of the liability and potential for loss associated with credit card processing, the risk is being managed carefully.
What is EMV and how does it affect me?
EMV is a technology that provides more secure credit card payments. By utilizing encryption originating in the chip on the credit card, each payment transaction is unique and secured throughout the process. It protects you as a merchant as well as your customers.
What is PCI Compliance?
PCI is an industry term that refers to the Payment Card Industry Data Security Standards (PCI DSS) these standard are in place to protect consumer credit card data and prevent fraud. PCI Compliance generally refers to the completion of an annual PCI Self-Assessment Questionnaire (SAQ), this questionnaire must be completed annually and is the merchant’s attestation of compliance with PCI standards.
When will I receive my deposits from transactions?
The deposit time varies based on your industry and business type. For many retail businesses, upon approval from our underwriters, we can provide funding on the next business day. Most other businesses will likely see their deposits in 2-3 business days.
Can I process payments with my cellphone or tablet?
Agapay supports mobile payments on cell phones and tablets. Whether you want to type in a card number or use a compatible swipe or chip reader, we have a solution that will work for you. *some cell phone and tablet models may not be compatible.
How is a Void different from a Refund?
Void – A void can only occur before payment has been settled. There are two parts to every credit card transaction; authorization and capture. When a customer swipes or enters their card number an authorization request is sent to verify funds, and a hold is placed on their account for the transaction amount. Capture is when a transaction is processed, and the funds are transferred from the cardholder’s account to the business. When a void is processed, the transaction is cleared from the terminal before settlement, so the money will never move from the cardholder’s account, and the hold will drop off within 3-5 business days.

Refund – A refund is required when the transaction has already settled (captured). A refund is the same process as a credit card transactions but in reverse. The amount is authorized and is captured when the terminal settles, and the cardholder will see the amount in their account within 3-5 business days.

Reversal – A reversal is similar to void. It must be processed before settlement and prevents the transaction from being captured, but differs in that a notice is sent to the cardholder’s bank to remove the hold. In order to process a reversal, your terminal must be programmed to process it.

How can my association partner with Agapay?
Depending on the type of association that you have, we have different programs allowing you to partner with Agapay. If you are a business, the best way to get information is to contact us directly at 1-800-644-3909.
How can I be part of Agapay?
Agapay has limited employee openings. However, we are always looking for exceptional and independent sales reps and affiliates. For more information on how to work with Agapay, send us an email at

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