Frequently Asked Questions

What is a merchant account?

A merchant processing account is utilized to settle credit card payments. A merchant account is established under an agreement between an acceptor (your municipality) and a merchant acquiring bank for the settlement of payment card transactions. The merchant moves the money from credit card companies to you on your behalf, via the secured gateway. For these services, there are standard fees of doing business charged by your merchant directly to you.

What are normal merchant account fees across the industry?

Typically these fees can vary, but are approximately 2.9% + $0.30 per transaction. The fees associated with your merchant are deducted from the amount collected and the balance is deposited directly to your bank account. Merchant processing fees are viewed as a typical cost of accepting online payments.

what is a payment gateway?

A payment gateway allows you to process credit card payments securely online. As part of the account setup process you established a gateway account via Authorize.net, an industry leader in payment gateway services. Depending on your account configuration there are certain fees that you pay directly to Authorize.net for these services. If you have any questions about your gateway account please feel free to contact us or Authorize.net directly at: 888-323-4289

Does syncopal payments charge fees?

Syncopal Payments specializes in tying your payment gateway, merchant account and iWorQ software platform together. We charge a fee that is paid directly by the end-users (citizens) who make online payments. We do not charge you an annual or monthly fee for our services. Our fees are clearly disclosed to the end-users prior to their checkout. Clients can find their fee structure in the Client Agreement.

Can I get emails from SyncoPal letting me know when someone has made a payment?

Absolutely. Your Syncopal Payments account automatically comes with notifications informing you when payments are made. Simply enable this feature in your portal.

Does syncopal accept all credit card types?

Absolutely.

How long does it take to get setup with syncopal payments?

We require all new customers to setup a merchant processing and payment gateway account with us. Once we have your account information, we can setup your Syncopal Payments account within 24-48 hours.

Can I issue refunds?

Absolutely. As a standard practice, Syncopal Payments offers the ability to issue refunds. You can either call or email us for assistance to issue the refund. We will require the invoice number. Refunds are typically deposited back into your users accounts within 24-48 hours.

How long does it take to process payments and funds to show up in my bank account?

Generally within 24-48 hours. If you have questions on a payment not posting, please call 949-484-6634.

Is there a portal to view all transactions taken by the city?

Yes, we have can provide you access to your SyncoPal account portal where you can view details from payments for your account.

Are there any reports I can run in SyncoPal for credits transactions?

Yes there are. You can view and export multiple reports regarding invoices generated, payment statuses, etc. Please contact us for more details.