Researcher’s estimates report that

 48 million

unbanked consumers in the USA.

5 million in Canada, and world-wide over 1 billion individuals!

Over 100 million

of these unbanked individuals will have access to and use

PinPay

These unbanked debit card-holder consumers have access to all the products and services offered by merchants.

Merchants 

The New World Wide E-Money

Online Store Merchant

The PINPAY Network is a secure electronic payment and transaction service providing lower transaction fees, lower fraud risks and NO chargeback. All of these benefits bring more bottom line profits to your online store. As discussed in the white papers, PINPAY also opens your online store to international e-commerce with over one billion potential customers. PINPAY does not interfere with your existing payment services and operating agreements.

FREE Merchant Account Setup

Review the Merchant Application

White Papers:

Eliminate Fraud

Am I and My Company at Risk for Fines and Jail Time?

A True Worldwide Electronic Money Transfer Network.

Store Merchant

With access to the Internet, PINPAY supports your merchant operations at any location-- at a physical address, a side walk sales site, a swap meet, county fair, any mobile or remote site. In addition to store purchases, PINPAY provides counter clerk assisted bill pay, card loading, card to card funds transfer, card to merchant payment transfer, and cash withdrawal services. These added customer services can bring more consumers to your store, assure customer loyalty, and increase sales.

Payment Recipient Merchant

A payment recipient merchant is any merchant, entity, business, organization or government agency which receives either regular or irregular payments from individuals, merchants, businesses, organizations, entities or others. PINPAY supports your collection of payments by allowing store merchants to assist cardholders in making direct bill payments. With internet access, cardholders can also make direct bill payments to you from anywhere at any time. Receiving payments is now simple and quick.

Payment Distribution Merchant

A payment distribution merchant is any merchant, business, individual, partnership, organization or government agency with payroll, assistance payments, interest payments or dividends, or any form of funds distribution transfer required to be made to a single party or a group. PINPAY supports your distribution payments by allowing you to make direct funds transfers to the individual recipient's debit card.

“No e-Merchant should be without Internet PIN-Debit as a payment option….it caters to the desires of key Internet users and delivers higher profits to the merchant.”

Plastic Cards OUT / E-Money IN

Consumers Prefer PIN-debit Payment

Consumers are flocking to debit cards. Surveys and historical data indicate that consumers now "prefer" paying with a debit card rather than a credit card. Debit cards and pre-paid cards are the wave of the future; you do not want to miss this large cash ready consumer market.

Responsive to consumer PIN-Debit payment trends..…. PIN-Debit is the leading consumer choice in payment systems!
 

NO Charge Backs / NO Hold Backs / Just CASH NOW

No Chargeback and No Payment Reversals

PINPAY is a real-time payment system with immediate clearing and settlement, NO chargeback's and NO payment reversals. Every type of merchant can benefit from this cash-based no reversal payment transaction. It reduces risk exposure, fraud losses and risk management costs.

PIN-Debit means higher net income to your organization…... lower processing fees and costs mean less expenses and more income and profits!
 

Zero Cost to Enroll

Discount Rate Only 1.95%

Home Land Security Compliant

NO Identity Theft

NO Fraud

New "Triad Tunneling Secure" Technology

Higher level of purchase transaction security is provided to each customer.. …more secure than the Web, an Internet browser and SSL!

Global Software E-Cash accepted World Wide

Easy and Quick Acceptance

Joining PINPAY is easy and quick. Just complete the application form online. If you are currently authorized to accept credit card payments or debit card payments for any POS, phone order, automated voice, mail order or online payment transaction you will likely be accepted for membership in the PINPAY Network and can commence accepting PIN-debit payments immediately. If you do not currently have a merchant account you can still join PINPAY and gain the many benefits, just submit an application.

Added payment choice means potential expansion of customer base…those that prefer PIN-Debit and those that seek higher security!