Payment Processing & Merchant Banking.

Details vary depending on the payment method. It’s usually a combination of phone number, the recipient’s full name, their bank account number and their BIC/SWIFT number. Sometimes, we may ask you for the city as well.

Different payment methods affect your transfer delivery time. Payments to other Woohoo Pay users and card payments are instant.

Transfers to cards typically take a few minutes but can take up to 30 minutes.

International transfers can take up to 1 minute to 2 business days to reach the recipient’s account.

Check out the pricing widget for more details for your transfer.

A Payment Gateway it is the first step in the payment process the Cardholder will come to and is a facility that allows a Merchant to take a payment where the Cardholder is not present.

The Gateway will either authorise or decline the transaction based on the data entered and/or the settings of the Gateway, it will pass approved transactions to the Merchant Account for settlement.

Logging in using 2FA is required to change specific settings within the MMS. The Google Authenticator Guide goes through the steps required to set up the Google Authenticator app on your mobile device (there is also an option to receive codes on your pc via a browser extension). This app allows you to use two-factor authentication (2FA) with MMS.

Once configured, you can use the Google Authenticator app to receive codes. You can set up Google Authenticator or another app that creates one-time verification codes when you do not have an internet connection or mobile service. Once you have received the code, enter it on the sign-in screen to confirm it is you.


Alternatively, you can consider using other applications like Authy, LastPass Authenticator etc. NB: this is a one-time registration process, and only one 2FA authenticator can be used per user account.

3D Secure authentication was developed by Visa with the intention of improving ecommerce payments’ security and cardholder confidence. MasterCard has also adopted the service, along with JCB and Amex. The full 3D Secure service is available using the Woohoo Pay Payment Gateway and there is no additional charge for this service.

Fundamentally, 3D Secure allows the cardholder to create a unique password for their relevant debit or credit card. This works very much like the PIN would with a PDQ machine in order to authenticate a payment, as only the cardholder should know that password.

3D Secure stands for 3 Domain Server, relating to the three parties involved with the process: the Merchant, the Acquirer and the card issuer. This process is the most recent of fraud prevention services available for eCommerce Merchants and cardholders to use.

In addition, 3D Secure also assists the merchant’s liability cover for each transaction authenticated by the process. We would suggest checking with your Acquirer as to what exactly this covers. Chargebacks can still happen, as this will still be decided by your acquirer.

Further information about 3D Secure can be found within the relevant integration guides.