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This page should answer
just about any question you have regarding 2CheckOut services.
This FAQ is designed primarily for
new or prospective clients.
If you cannot find you question answered here, contact us.
Click here for a quick overview of our services.
Who can use the service? Top
You can use 2CheckOut if :
- You maintain a Web site(s), containing complete marketing, advertising, and product information.
- Your customers will place the orders themselves through your web site and 2CheckOut.com. Clients agree not to place orders on behalf of customers as part of normal business operations.
- Your prices are displayed in U.S. dollars.
- Your product of service meets our product/service requirements.
I don't have a website yet or I'm about to change sites can I sign up? Top
Yes, you can change your website address in the admin area at any time.
Do you accept International Clients and Charges? Top
Yes, we have and support international clients. You can elect to receive payments from anywhere in the world.
Can I use
2CheckOut
without any shopping cart? Top
Yes. All that is required is an html link. We provide sample code snippets for each of your products that can be easily
incorporated into your site. (Demo)
What products/services can be sold? Top
Eligible Offerings
What fees are charged by
2CheckOut? Top
There is a 1 time set up fee of $49.
2CheckOut collects only a 5.5% commission on each sale plus a $0.45 charge per transaction.
There are no leases, no monthly fees, no application fees,no gateway fees and no statement fees!!
How do I fill orders? Top
As soon as your customers place an order you will receive detailed order information via email from 2CheckOut so you can fill your orders.
Detailed records of each transaction
are also stored on our servers and can be accessed by you using our admin screens.
How and when will I be paid? Top
Clients with United States Bank accounts will have payments electronically deposited directly to any bank account
at no cost.
Clients without a US Bank account can have their payments air mailed at no charge
or have the option of an international wire payment. Fees for an international wire start at $36 and go down $3 for
every hundred dollars in gross sales.
Each accounting period is 15 days in length. A new period begins the 1st and 16th day of each month.
All transactions that occur within this period will be processed and payments will be dispersed as follows:
- Payment for orders shipped between the 1st and the 15th of the month will be dispersed on or about the 16th of that month.
- Payment for orders shipped between the 16th and the end of the month will be dispersed on or about the 1st of the following month.
If your sales are over $1,000 a week, weekly disbursements are possible. Weekly disbursements are reviewed on a case
by case basis and are subject to the same criteria as Reserve Fund Increases.
All Payments are subject to Reserve Funds stipulated below.
When do Reserve Funds apply? Top
2CheckOut uses Reserve Funds to protect against catastrophic loss due to fraud, theft, human error, or excessive customer disputes.
Each account has a maximum semi monthly payment amount or "Reserve Limit".
Reserve Limits start at $1000 for new customers and can grow according to your account activity.
Reserve Funds are only used if your sales earnings exceed your "Reserve Limit" in one semi-monthly pay period.
If your earnings are less than your Reserve Limit per pay period, then you will receive all of those funds in one
payment.
If your earnings are greater than your Reserve Limit in any one pay period, then your earnings in excess of the
Reserve Limit will not be dispersed to your account until the next payment period.
Example: Your account has a $1,000 Reserve Limit. In the first half of April you have
$1,500 in sales minus transaction charges. In the last half of April you have
$900 in sales minus transaction charges. On the 16th day of April we will disperse
$1,000 to you and hold $500 to disperse on the next cycle date. In the 1st of May we will disperse $1,400 to you.
How can the Reserve Funds Be Increased? Top
Reserve Limits are determined on a case by case basis and can be raised to exceed your sales through one of the following scenarios:
- Transactions on your account have occurred for 6 weeks with little or no charge back or fraud problems,
- You can provide sales contracts or other documentation proving the legitimacy of your orders,
- You can provide suitable business references or other documentation establishing a concrete business history.
Can
2CheckOut automatically calculate shipping costs? Top
Yes. We use an optional shipping cost algorithm based on US Postage rates and the weight of goods sold that you can turn on or off. You can also add additional shipping charges per item, custom shipping methods and costs
(i.e UPS Next Day Air add $15.00, etc), or additional handling charges per order as desired.
Can I use a shopping cart? Top
Shopping cart functionality exists already running on 2CheckOut, all you have to do is place buy and checkout links on your site (Demo).
We also provide a free Perl shopping cart that is and is already configured to work with our payment solution. Our payment solution can also be
incorporated into almost any shopping cart that supports the authorize.net or linkpt gateways.
Can
2CheckOut be
used for telephone / fax / mail orders? Top
Your buyers should enter their orders online for themselves. You can easily send an email to your customers containing the order details along with a link so your customer can enter their payment information.
Can I enter
customers' orders myself? Top
No, entering orders for your customers should not be a part of your business practices.
Can I see
a sample of screens my customer will see? Top
Click here to see a sample purchase.
Click Here to see a samples of some current customer sites.
What are
2CheckOut's
refund and dispute policies? Top
We prefer that customers contact you directly to request a refund. If a customer contacts us
we will refer them to you to resolve the issue and let them know that if they
are not satisfied with your resolution that they may contact us for resolution.
You should also make your customers know that they can contact us to
mediate the dispute if they are dissatisfied with your proposed resolution.
In most situations when a customer asks for a refund, we believe that it is good business to grant that refund.
Here are some guidelines on our refund and dispute policies:
- If a customer is dissatisfied with a product that he/she has ordered, the client should accept the product back and grant a refund.
If desired, a client may specify that shipping charges are not refundable; however we would prefer to refund the shipping charges as well.
- If a customer claims that a product was never received, we will grant a refund unless the client can show proof of delivery.
If you are shipping expensive items (or if the customer is returning expensive items), please be sure to use a shipping method that provides proof of delivery.
Keep in mind that if your customer presses the issue with his/her credit card company it can result in a charge back or forced
refund from the credit card company thereby adding additional expense to you.
Click here for suggestions on how to reduce the occurance of disputes.
How can I cancel or
refund an order after it's been placed by my customer? Top
You can easily issue refunds or cancel your own orders through the admin interface.
How Can I reduce the occurrence of customer disputes? Top
- If you are shipping expensive items, use a package service that provides proof of delivery. There will always be some customers out there who falsely claim that a package was not received (and occasionally there will be packages that truly are lost or stolen). Since you bear the responsibility for those losses, you should take care not to put large amounts of money at risk.
Hint:
The US Post Office provides insurance on packages for a small fee that has the side effect of causing the receiver of the package to sign and indicate that the parcel arrived undamaged.
- Be accessible if customers can reach you to have their questions answered about products they are less likely to be dissatisfied when the order arrives.
- Be sure that customers are completely familiar with your offering before they order.
Thoroughly describe your offering, show photos, and disclosing any important limitations.
Ensuring your customer's expectations match what arrives in the mail will save you and your customer time, money and aggravation.
Does
2CheckOut use
SSL encryption? Top
Yes
Do I need to pay for an SSL server?
Top
No, credit card transactions take place on the
2CheckOut SSL server.
What is a
chargeback dispute? Top
A chargeback dispute is a forced refund from a customer's credit card company.
It occurs when a cardholder decides to formally dispute
a charge on his/her credit card bill, often because someone else fraudulently used that cardnumber before
the abuse had been discovered or reported. Chargeback disputes occur on less than 1% of all 2CheckOut transactions.
According to credit card association rules, Internet merchants must accept credit card fraud as part of the normal risk of doing business on the Internet.
The amount of credit card fraud you experience will vary according to the type of products you sell.
Products which appeal to children, teenagers, and unmarried men will experience a higher degree of credit card fraud.
Products which are purchased primarily by professionals, women, and families will experience a lower amount of fraud.
When an issuing bank sends a chargeback dispute, the bank also charges a research fee.
This fee can range from $10 to $50 depending on the bank.
At this time we absorb the chargeback research fee for our clients, but 2CheckOut reserves the right to pass the bank's charge back fee on to client involved, at our discretion.
Which credit
cards does 2CheckOut accept? Top
We currently accept Visa, MasterCard, American Express, and Discover/Novus and derivatives of those brands. Diners Club is in the process of being added.
Does
2CheckOut accept
other forms of payment from customers, such as online checks? Top
Online checks are currently being added.
Is there a maximum
number of products I can sell? Top
No.
Is there a maximum
dollar amount of sales I can conduct each month? Top
No.
Can I use
2CheckOut's
admin screen to keep track of whether or not an order has been shipped? Top
Yes, you can use our admin screens as your own online order system.
Do customers
automatically receive a message confirming that an order was
shipped? Top
Yes, when you indicate an order has been shipped in the admin area the buyer is automatically notified.
Does
2CheckOut's software
track the number of each product that I have in inventory? Top
No, it is your resonsibility to keep track of your inventory. Future releases may accomidate this feature.
If you run out of, or discontinue the sale of a product it
should be disabled in our system and links to it should be removed from your site.
How long does it
take for an order to be processed, and what is the sequence of events
that occurs after an order is placed? Top
When one of your customers makes a purchase the dollar value of the purchase is immediately charged against their card and a confirmation
of the sale is sent to you and them.
What information is
contained in the orders that are sent to me? Top
You and your customer will receive complete details of the products, prices and quantities purchased along with any applicable
shipping charges and the total value of the purchase. The email will contain the buyer's name, address, email address and an order number
for reference. Also contained in the email is your company's contact and web site information so they can contact you as needed.
Does
2CheckOut permit the
sale of adult products? Top
Yes as long as they meet our product guidelines
Can my
2CheckOut
account be used to sell products from multiple Web sites? Top
No, account licenses are sold on a per web site basis. However your license may be transferable to a different site.
Can I use the
service with a different shopping cart system, or another software
package, instead of the one provided by 2CheckOut? Top
Yes. Details of the codes our payment solution needs to receive to process a transaction are
available in the admin area. Almost any cart can be incorporated.
We support linkpt and authorize.net gateways functionality. Free Email Tech Support is available.
What level of customization can be done with
2CheckOut's payment screens? Top
You can customize the payment screens header and footers, add your own graphics and logos and links in order to match your
site (Demo)
How can I test my
online shop, to ensure that it is working properly? Top
The admin area allows you to set options so that you can ensure everything is working properly without an actual credit card
being billed.
Does
2CheckOut
offer a reseller or referral program? Top
Yes, If you're a hosting company, designer or other company that would like to team with us, click here.
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