Frequently Asked Questions

Occasionally a bank or issuer may ask a customer for proof of purchase. “Retrieval” is a notification of this request. The Retrieval Process becomes a merchant’s responsibility to provide proof of purchase to Allied Wallet within 5 (five) days of receiving the notification.

We recommend that merchants avoid customer-filed charge backs by providing excellent customer service and fulfilled promises. Also, clearly stating the transaction descriptor in the checkout process will help mitigate customer confusion. If a chargeback is filed, we recommend that the merchant provide a signed payment affidavit from the customer along with a copy of the customer’s identification.

Please allow up to 48 hours for payouts to be received by your financial institution.

Payouts are granted on a weekly basis for all processing 12 (twelve) days in arrears. Holdback Charge payouts are granted after 6 (six) months of rolling reserve status.

Allied Wallet accepts and processes payments from cards displaying the Visa, MasterCard, American Express, Discover, Diners Club, China UnionPay, Sofort, Klarna, Giropay, Maestro, Cartes Bancaires, Direct Debit, and VPay emblems or from users of the Allied Wallet’s eWallet.

To change the bank account where you receive payouts, please visit the bank account update page in your merchant portal.

Terminated accounts will receive payouts on the fifteenth day of the month following the 180th day, after the last [positive] settled transaction using the standard payout method used on your account.

Our Accounting Department will provide individual links via e-mail enabling merchants to view their statements. Merchants also have access to their reports within the gateway in which they can view their weekly and rolling reserve payouts.

A rolling reserve is a pre-determined percentage of gross sales that Allied Wallet will withhold for an agreed upon period of time as stated in your processing agreement. We ask that our merchants keep a rolling reserve as added security for the merchant and provider alike. The Rolling Reserve can be withheld for 1 (one) to 6 (six) months depending on the agreement made in your Terms of Agreement.

Allied Wallet uses an award-winning gateway to protect merchants and customers alike from fraudulent transactions. We have implemented PCI compliant policies and security measures to protect the information of consumers as well as to protect merchants from fraudulent orders.

Allied Wallet empowers its clients with an easily customizable fraud scrubber based upon our proprietary fraud protection software. Our fraud protection software utilizes the back-up of the Max-Mind system that enables you to perform a variety of fraud checks on each and every transaction. Allied Wallet’s transactions are 128bit SSL encrypted and backed by our PCI Level 1 Compliance certification ensuring that your business is in safe hands.

Fraud Protection That Will Boost Your Profit Margins:

When you decide to use Allied Wallet to accept credit cards, our fraud protection system is capable of reducing your costs and ultimately increasing your profit margins.

• Reduce Fraud Related Costs – By minimizing unauthorised transactions and scrubbing fraudulent attempts before they are processed, Allied Wallet’s fraud protection helps reduce chargeback fees & inventory loss.
• Maximize Profits – Get the most out of your transactions instead of worrying about the potential fraud.
• Customizable Fraud Scrubber – Set the fraud scrubber’s setting to any fraud protection level you find works best for your business.
• Get Smart – Allied Wallet’s IP & GEO-IP fraud protection tools allow you to be one step ahead of potential scammers.

Yes, Allied Wallet enables our merchants to accept recurring payments from their customers for up to three consecutive months in one billing cycle.

At this point in time, Allied Wallet does not provide or offer a membership management system.

To be approved for Virtual Terminal our Underwriting Team must review the type of account, the risk of the account, and obtain Management approval. Approval varies on a case-to-case basis.

• MLM (without a tangible product)
• Adult and Pornographic Content
• Animals
• Alcohol
• Body Parts
• Child Pornography
• Cyberlocker Services
• Drugs
• eWallets
• File-Sharing Services
• Money Transfer Businesses
• Money Transmission
• Online gaming or Gambling in the USA (USA Cards must be blocked 7995 MCC)
• Pharmacy: Controlled Substances
• Prostitution
• Tech Support
• Telemarketing
• Tobacco (when sent outside of your country and/or state)
• Weapons

Allied Wallet has the ability to payout in any currency that is being processed. Merchants will be subject to bank’s conversion rates if applicable.

Allied Wallet’s payment solutions allow you to accept 164 currencies online. You can process online payments in a 196 countries to grow your business globally:

• Ariary
• Baht
• Balboa
• Birr
• Boliviano
• Cedi
• Colon
• Cordoba
• Dalasi
• Denar
• Dinar
• Dirham
• Dobra
• Dollar
• Dong
• Dram
• Escudo
• Euro
• Forint
• Franc

• Gourde
• Guarani
• Guilder
• Hryvnia
• Kina
• Kip
• Koruna
• Krona
• Krone
• Kronoa
• Kroon
• Kuna
• Kwacha
• Kwacha
• Kwanza
• Lari
• Lat
• Lempira
• Leone
• Leu

• Lev
• Lilangeni
• Lira
• Litas
• Loti
• Manat
• Meticail
• Nakfa
• Ngultrum
• Ouguiya
• Pa’anga
• Pataca
• Peso
• Pound
• Pula
• Quetzal
• Rand
• Real
• Rial
• Riels

• Ringgit
• Ruble
• Rufiyaa
• Rupee
• Rupiah
• Ruple
• Shekel
• Shilling
• Sol
• Som
• Somoni
• Taka
• Tala
• Tenge
• Tugrik
• Vatu
• Yen
• Yuan
• Renminbi
• Zloty

Apply online using our online application at Sign Up

A merchant is an individual or a company that is selling goods and/or services online.

No. Credit checks are not a part of Allied Wallet’s application and underwriting process.

A merchant’s website can be completely integrated with Allied Wallet’s payment services within 24 – 48 hours.

Allied Wallet’s Merchant Discount Rates are negotiated on an individual basis. Your contract will define your respective rate.

After integration is complete and a compliance check is performed a merchant can begin accepting their payments. This process can be completed in 24 – 48 hours.

Allied Wallet representatives evaluate merchants on a wide variety of aspects including volume and size. Rates are discussed and agreed upon on an individual basis.

The application begins with a short “Pre-Application Form” on our website and within minutes we will review it and e-mail you a full application. Upon receiving your completed application and supporting documents, we can review your information and grant an approval or decline within 24 hours.

Allied Wallet can process payments from a wide variety of respectable merchants. With solutions for any business size, we can accommodate your payment service needs. We service clothing retailers, dropshippers, e-book retailers, dating websites, software and mobile app developers, and more. If you have a great product, we can process your sales.

In order to review your application, we need ALL of these supporting documents:

• A Completed Application
• Passport or Government-issued ID
• Proof of Address/Utility Bill
• Articles of Incorporation
• Previous ACH/Credit Card Statements
• Previous Bank Statements
• Current Business License
• Tax Return/Certified Financial Statement
• Written Business Description & Fulfillment Plan

Allied Wallet realises the competition in obtaining your business. But since we are sure you’ll love our service, we offer all of our clients the opportunity to sign up for free. Since Allied Wallet’s creation in 2006, we have been dedicated to providing merchants with the easiest e-commerce solutions.

Sign Up Today and Get:

• Secure, encrypted SSL (Secure Socket Layer) for secure transactions
• PCI Level 1 Security Standards
• Online payment gateway software that allows you to instantly accept all major credit card payments in real-time over the internet
• A virtual terminal for easy, manual submission of credit card orders
• E-Wallet acceptance functionality
• Convenient online tracking, reporting, and management of your transactions
• Free Application
• Free Integration

Our QuickPay solution is designed to be an easy to use, flexible solution for small to medium sized online businesses. If online sales are an important aspect of your business and you do not have the time, money, qualifications, or expertise to program your own interface, then Quickpay is the solution to the needs of your business. Hosted by Allied Wallet, the QuickPay gateway is easy to use, quickly integrated, extremely fast, and very secure.

How does it work?

Checkout
Because the payment information stays on Allied Wallet’s hosted checkout pages, you don’t need to worry about your shopping cart’s PCI compliance.
When customers are ready to checkout and pay for the purchase on your website, they are taken to a checkout page hosted on Allied Wallet’s secure servers.

Transaction
Once the customer submits their payment information, they will receive an on-screen and email confirmation to notify them that the transaction was successful.

All Major Credit Cards
The QuickPay solution supports all major credit cards including Visa and MasterCard. It can also be integrated with nearly any shopping cart or order management software.

Security & PCI Compliance
The checkout process is protected by Allied Wallet’s PCI level 1 compliant technology. In addition to this, there are customisable fraud scrubbers on every single transaction to make sure every transaction is a legitimate buyer.

• Costs and Rates – Allied Wallet has some of the most competitive rates and fees within the industry.
• Experience – Allied Wallet has over 8 years of experience operating in e-commerce.
• 24 / 7 Customer Service – Our customer service team is available to your customers, 24 hours a day, 7 days a week to help resolve all of their refund and chargeback issues. We offer this service free to our merchants!

What do I need to do to open a merchant account?
To open a merchant account with Allied Wallet, you will need: identification, a bank account, a website, a shopping cart (for QuickPay merchants), and the will to succeed.

What software or equipment is necessary?
In addition to a website, you’ll need a shopping cart system that allows customers to enter their personal data and credit card information. Real-time systems require you to use a separate service called a gateway provider, which may be accessible through your merchant account provider.

What happens when a transaction is submitted?
Transactions are processed when the sale is made. A virtual receipt is printed on the buyer’s screen, indicating that the sale is final. These transactions are entirely automatic, requiring no human interaction to complete and finalize sales.

Is it safe?
Allied Wallet’s gateway also serves as an added measure of protection against fraud, which occurs quite frequently in the anonymous environment of online sales.

The ability to accept Visa and Mastercard from your e-commerce website is imperative in today’s technology-driven world. In 2006, Allied Wallet was created to meet this ever-growing demand and is now able to offer its clients the ability to accept multiple payment options like Visa. Allied Wallet can offer a solution to mitigate nearly any merchant’s needs.

Accept every major form of payment on your website:

• Visa
• Mastercard
• Discover
• American Express (Through PayFlow)
• ACH
• Pay-by-check
• Pay-by-phone

Selling your products or services may seem a little “foreign” to you. But here’s a fact… At the current rate, China will surpass the United States this year as the world’s leading online retail market for the first time, reaching over $282 billion.

It might not be in your immediate business plan, but there are plenty of reasons why you should provision for international sales. Without taking too much of your time, here a few reasons why you should accept credit cards in China:

• Total Chinese retail sales grew 8.9%.
• This year, online sales in China grew 34.7% in the first three quarters.
• This was equivalent to 1.3 trillion yuan.
• About 200,000 Chinese companies now engage in cross-border e-commerce.
• The Chinese government is taking steps to make cross-border internet trading easier and cheaper.

It’s clearer than ever that Chinese consumers are embracing e-commerce and shopping online. And if we want our businesses to see their full potential, we must not limit our customer bases. Accepting credit cards in China is the first step in maximizing our global reach.

Allied Wallet processes payments in Algeria, Andorra, Angola, Antigua, Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belarus, Belgium, Belize, Benin, Bhutan, Bolivia, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cape Verde, Central African Republic, Chad, Chile, People’s Republic of China, Colombia, Comoros, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Ethiopia, Fiji, Finland, France, Gabon, The Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hungary, Iceland, India, Indonesia, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, South Korea, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Namibia, Nauru, Nepal, Netherlands, New Zealand, Nicaragua, Niger, Norway, Oman, Palau, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Russia, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, Spain, Sri Lanka, Suriname, Swaziland, Sweden, Switzerland, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Tuvalu, Uganda, Ukraine, United Arab Emirates, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Vietnam, Zambia, Abkhazia, Republic of China, Nagorno-Karabakh, Northern Cyprus, Pridnestrovie, Somaliland, South Ossetia, Ashmore and Cartier Islands, Christmas Island, Cocos Islands, Coral Sea Islands, Heard island and McDonald Islands, Norfolk Island, New Caledonia, French Polynesia, Mayotte, Saint Barthelemy, Saint Martin, Saint Pierre and Miquelon, Wallis and Futuna, French Southern and Antarctic Lands, Clipperton Island, Bouvet Island, Cook Islands, Niue, Tokelau, Guernsey, Isle of Man, Jersey, Anguilla, Bermuda, British Indian Ocean Territory, British Sovereign Base Areas, British Virgin Islands, Cayman Islands, Falkland Islands, Gibraltar, Monserrat, Pitcairn Islands, Saint Helena, South Georgia & South Sandwich Islands, Turks and Caicos Islands, Northern Mariana islands, Puerto Rico, American Samoa, Baker Island, Guam, Howland Island, Jarvis Island, Johnston Atoll, Kingman Reef, Midway Islands, Navassa Island, Palmyra Atoll, U.S. Virgin Islands, Wake Island, Hong Kong, Macau, Faroe Islands, Greenland, French Guiana, Guadeloupe, Martinique, Reunion, Aland, Aruba, Netherlands Antilles, Svalbard, Ascension, Tristan da Cunha, Australian Antarctic Territory, Ross Dependency, Peter I Island, Queen Maud Land, and British Antarctic Territory.

Allied Wallet will not process payments in Afghanistan, Albania, Bosnia and Herzegovina, Congo, Cote d’Ivoire, Cuba, Iran, Iraq, North Korea, Liberia, Libya, Myanmar, Nigeria, Pakistan, Somalia, Sudan, Syria, Venezuela, Yemen, and Zimbabwe.

If you have a question that is not listed in our Merchant FAQ, please contact us by calling (888) 255-1137 or + 44 203 318 8334, using our live chat feature, or emailing support@alliedwallet.com. We are constantly expanding our Merchant FAQ, but we realise that it’s impossible to cover every topic, so we would love to speak with you directly to help resolve your issue.