PaY by PiN

PaY by PiN is a membership based solution targeted at the millions of Americans who have checking or saving accounts.  It is a fast, free and secure payment method for those consumers who either do not have a credit card or prefer not to use their credit cards online.  PaY by PiN’s patent pending technology provides a low cost, guaranteed way for Merchants to eliminate chargebacks from non-sufficient funds for online transactions.  PaY by PiN saves time and money. 

Here’s how it works:

1. Consumers click a PaY by PiN signup link on your Merchant site, and fill out an application form.

2. Once the consumer identity is verified through a credit reporting agency, they are ready to shop on your     site.

3. WWPIN withdraws the exact purchase amount from consumer’s bank account and places it in a secure     holding account.

4. You are notified that the funds have cleared and at the same time we provide you with the approved     shipping address.

5. Once you ship the merchandise to the consumer, you confirm it with us. We notify the consumer via     email so they can track the package online without contacting you.

6. WWPIN transfers the funds from the holding account into your checking account, usually within 24 to 48     hours.

PaY by PiN eCheck

PaY by PiN eCheck allows merchants to easily accept online check payments directly from the merchant’s web site for a processing fee less than those charged by credit card companies.  PaY by PiN eCheck allows the consumer to conveniently complete transactions online eliminating the delays of writing a check and sending it in the mail, without any membership signup.  It’s a faster way of receiving funds from the millions of Americans who prefer to use their checking account to pay for products and services online.

Here’s how it works:

1. When the consumer checks out from your site, they select PaY by PiN eCheck.

2. The consumer fills out the eCheck form and submits for electronic processing by WWPIN.

3. We verify the consumer’s identity, and if approved, we then debit the consumer’s checking account,     and credit your account for the purchase amount.

Signup with PaY by PiN and increase your bottom line!

To learn more, contact sales@paybypin.com.

PaY by PiN: Smart Business for eGeneration Companies!