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Frequently asked questions

PayHalal Users

CVC/CVV2 is an anti-fraud security feature to help verify that you are in possession of your credit card. For Visa/Mastercard, the three-digit CVC/CVV2 number is printed on the signature panel on the back of the card immediately after the card’s account number.

No.

Please contact the merchant directly for any inquiries regarding :-

  • General query about your order
  • You’ve been billed incorrectly
  • Order cancellation and refund

Please, contact the stores where the purchase was made. The store is responsible at all times for any queries relating to the payment and fulfillment of your order. Their contact details should be displayed on their website, or the store purchase receipt and on the transaction confirmation email. As a Payment Service Provider we only provide stores with the ability to accept card payments securely over the Internet. We do not handle the goods and we are not authorized to cancel orders or give refunds.

Payhalal is a Payment Service Provider that enables businesses with an online store to accept credit card, Internet Banking and e-wallet payments securely over the Internet. It is the online store’s responsibility to confirm acceptance of your order, the delivery timescale, and to handle any queries you may have related to the payment and fulfillment of your order. You may check the delivery policy on the online store’s website.

This could be for many different reasons; however, Payhalal is not informed of the exact reason why the transaction has been declined. Reasons why your payment was declined include:

  1. Some of the card/personal details entered do not match the information held by your Card Issuer.
  2. You do not have enough cleared funds on your card to cover the amount of the purchase.
  3. Your card has been reported as lost/stolen and been canceled by your Card Issuer.
  4. Your card has or is due to expire and has been replaced by your Card Issuer.
  5. Your card has recently been replaced by your Card Issuer but not yet activated.
  6. Your card cannot be used to pay for goods/services in a Cardholder-Not-Present environment (online/over the Internet).
  7. There may be a problem with your Card Issuer’s authorization system.
  8. You haven’t activated 3-D Secure (Verified by Visa and MasterCard SecureCode) of your card.
  9. If you are sure that none of the reasons above apply to your payment attempt, we recommend you try again. However, should the problem persist, please contact your Card Issuer to find out further information. If this means you are unable to pay by credit card, Online Banking or e-wallet available on Payhalal, please contact the online store directly to discuss the alternative payment options available to you.

PayHalal Merchants

Identification Card Copy
Front Page of Bank Statement
SSM Copy *Optional
Halal Certificate *Optional

Request URL is a page at merchant’s website that passes parameters for a payment page request to Payhalal. Response URL is a page at merchants website that accepts payment status from Payhalal after the transaction.

You can use any valid credit card for integration purpose. Details required: credit card number, expiry date, CVV number and the card holder’s name.

Please send an email to [email protected] or to contact your account manager to request these changes.

Any MYR amount.

Below are the common error messages returned and their respective descriptions :

  • Duplicate reference number – Do not reuse the Reference Number of a previous successful payment transaction.
  • Invalid merchant code – The merchant code does not exist.
  • Invalid parameters – Some parameters passed to iPay88 are invalid or empty.
  • Overlimit per transaction – You exceeded the amount per transaction that is assigned to merchant’s account.
  • Payment not allowed – The Payment method you requested is not allowed for the merchant’s account.
  • Permission not allow – Please, ensure the Referer URL is the same as the one registered with iPay88.
  • Status not approved – Merchants account was suspended or not active.

Do not disconnect the Internet.
Do not close the web browser while transaction is being processed.
Do not click “Back” button on the web browser to avoid duplicate payment.

Contact your credit card issuer bank to check whether the card can be used for online purchases

Security

If your card is missing, let us know immediately. We’ll block your card right away send over a new one on the same day.To report a lost or stolen card, call us at (406) 555-0120.

If your card is missing, let us know immediately. We’ll block your card right away send over a new one on the same day.To report a lost or stolen card, call us at (406) 555-0120.

If your card is missing, let us know immediately. We’ll block your card right away send over a new one on the same day.To report a lost or stolen card, call us at (406) 555-0120.

If your card is missing, let us know immediately. We’ll block your card right away send over a new one on the same day.To report a lost or stolen card, call us at (406) 555-0120.

If your card is missing, let us know immediately. We’ll block your card right away send over a new one on the same day.To report a lost or stolen card, call us at (406) 555-0120.

If your card is missing, let us know immediately. We’ll block your card right away send over a new one on the same day.To report a lost or stolen card, call us at (406) 555-0120.

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