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Payment solutions in the palm of your hand

Frequently Asked Questions

  • General

    • What is an Airepoint device?

      An Airepoint device is a credit card scanner purpose built to work with the Instapay application. They are Apple approved and will work on any version of iPhone, iPad and iPod Touch.

      The AirePoint device is small enough to fit on your keyring, and connects to your iPhone/iPad/iPod using the secure 30 pin connector (where you normally plug in your charger).

      The device works seamlessly with the Instapay application to allow to to process credit card transactions quickly and securely.

    • What is test mode and how do I use it?

      Test mode is designed to allow you to practice using the application and credit card swiper without needing to process a real transaction.

      Go to the setup tab, and turn test mode on.

      You can now do a test transaction and practice using the application.

      Note 1: To perform a successful test transaction, you will need to find out the test card number from your chosen Gateway.

      Note 2: If you are in test mode, but attempt to do a refund of a LIVE transaction, the application WILL DO A LIVE REFUND. Be very careful using refunds while in test mode.

      Note 3: You will be warned at all stages of the process that you are still in test mode. Ensure that you turn test mode off before processing a real transcation.

    • Why should I use the Airepoint credit card scanner?

      Using the Apple Approved AirePoint Credit card scanning devices comes with many advantages including:

      • Saveup to $120 on Instapay membership fees with free 12 month membership.
      • Reduce charge-backs by proving that the credit card was present.
      • Speed up your processing and keep your customer happy.
      • Negotiate cheaper fees through your bank by doing a card present transaction.
      • Give your customer peace of mind that you don't keep their credit card number.
      • Look and be professional in processing credit card transactions.
    • What currencies can I transact in?

      The range of currencies that you can use depends on a number of factors:

      • The currency of your merchant account.
      • The currencies that your gateway provider allows.
      • The current list of Instapay currency choices. These currently include Australian Dollars, New Zealand Dollars and US Dollars.
    • When do I receive payment for my transactions?

      Settlement times depend on your merchant account.

      Most Australian and New Zealand banks will settle overnight into your account.

      Third party processors such as Paypal and Paymate may take longer to settle. This will be outlined in your agreement with these organisations and is not delayed by processing by Instapay.

    • What is a gateway?

      Most online merchant facilities require the use of a Payment Gateway company to actually process your transaction.

      The gateway is the middleman between your payment processing program (this application), and the bank you deal with.

      Normally a payment gateway will charge a transaction fee in the range of 20c to 50c per transaction on top of your bank's percentage fee

      Instapay has been designed to work with any payment gateway. If your gateway is not listed, please contact us and we will work with your gateway to ensure they are supported.

      In certain situations (such as Paypal), the gateway and the merchant facility are the same person. In these situations, you may still be charged both a percentage and transaction fee, however you are dealing with the one company who acts as both merchant facility provider and gateway.

    • What gateways are supported?

      Instapay currently supports the following payment gateways:

      • BWA Merchant Services
      • DPS Payment Express
      • eWay
      • PayMate
      • Payments.com.au
      • TNS Safepay

      We are currently working on providing access to more gateways.

      If your gateway is not listed, please contact us and we will work with your gateway to ensure they are supported.

    • What if my gateway is not supported?

      If your gateway is not listed, please contact us and we will work with your gateway to ensure they are supported.

      We are currently working on providing access to more gateways.

      Instapay currently supports the following payment gateways:

      • BWA Merchant Services
      • DPS Payment Express
      • eWay
      • Paymate
      • Payments.com.au
      • TNSI Safepay
    • What if I don't have a merchant account?

      To process credit card payments you MUST have a merchant account, or be registered with a supported Third Party Processor.

      To organise a merchant account, contact your trading bank, or contact us at Instapay to assist you with setting up a merchant account with one of our preferred providers.

  • Application Instructions - iPhone and iPad

    • How do I take payment using the Airepoint Device?

      Summary

      1. Enter an amount
      2. Swipe the card
      3. Customer signs the screen
      4. Done

      Details

      1. Touch on the charge tab at the bottom of the screen.
      2. Touch the amount field at the top of the screen.
      3. Using the numeric keypad, enter the transaction value then click the blue done button. Note you can use the "00" key to speed up the entry of a whole dollar amount.
      4. If you want to add some invoice details, or enter an email address for the customer (so we can send them an email receipt), touch the blue notepad button next to the amount field, and enter their details.
      5. Swipe the credit card through the AirePoint device. The details will be shown in the lower part of the screen when the card has been read successfully
      6. Touch the Process Payment button.
      7. Turn the screen on its side and ask the customer to sign the screen
      8. Touch the green continue button.
      9. Wait for the transaction to be processed.
      10. If you want to give the customer a manual receipt, scroll down to see the transaction details.
    • How do I take payment without an Airepoint scanner?

      Summary

      1. Enter amount
      2. Enter the card details
      3. Customer signs the screen
      4. Done

      Details

      1. Touch on the charge tab at the bottom of the screen.
      2. Touch the amount field at the top of the screen.
      3. Using the numeric keypad, enter the transaction value then click the blue done button. Note you can use the "00" key to speed up the entry of a whole dollar amount.
      4. If you want to add some invoice details, or enter an email address for the customer (so we can send them an email receipt), touch the blue notepad button next to the amount field, and enter their details.
      5. Enter the name on the credit card.
      6. Enter the credit card number.
      7. Enter the expiry date.
      8. Depending on your gateway, enter the CVV number from the back of the credit card.
      9. Touch the Process Payment button.
      10. Turn the screen on its side and ask the customer to sign the screen
      11. Touch the green continue button.
      12. Wait for the transaction to be processed.
      13. If you want to give the customer a manual receipt, scroll down to see the transaction details.
    • How do I view my past transactions?
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    • How do I refund a transaction?
      1. Touch on the History or Refund tabs at the bottom of the screen.
      2. You will be shown the most recent 20 transcations.
      3. Touch the Load More Transactions...button to show the next 20 transactions.
      4. Find and touch the transaction which you want to refund.
      5. If the transaction is able to be refunded, you will see a button at the top of the screen.
      6. Touch the Refund Transcation? button.
      7. Double check that this is the transaction you wish to refund.
      8. Enter your password in the the field at the bottom of the screen and then touch Process Refund.
      9. Confirm your choice to refund this transaction by clicking the Yes button.
      10. Wait for the transaction to be processed.
    • Can I take payment when the credit card is not present (eg.Telephone sales)?

      Taking payment where the credit card is not present (telephone sales).

      Before processing telephone sales - or any sale when the card is not present - check with your bank to ensure that your facility allows card-not-present transactions. Failure to do so could mean your bank may reverse all transactions performed using your account.

      Summary

      1. Price
      2. Enter the card details
      3. Confirm blank signature
      4. Done

      Details

      1. Touch on the charge tab at the bottom of the screen.
      2. Touch the amount field at the top of the screen.
      3. Using the numeric keypad, enter the transaction value then click the blue done button. Note you can use the "00" key to speed up the entry of a whole dollar amount.
      4. If you want to add some invoice details, or enter an email address for the customer (so we can send them an email receipt), touch the blue notepad button next to the amount field, and enter their details.
      5. Enter the name on the credit card.
      6. Enter the credit card number.
      7. Enter the expiry date.
      8. Depending on your gateway, enter the CVV number from the back of the credit card.
      9. Touch the Process Payment button.
      10. Do not enter a signature. Instead touch the green continue button.
      11. Wait for the transaction to be processed.
      12. If you want to give the customer a manual receipt, scroll down to see the transaction details.
Instapay gave me the ability to accept Credit Cards at my market stall after I'd been losing credit card sales for years. Kristen D****
Long term craft market stall operator