Frequently asked questions (FAQ)

Paycific is a competent payment provider offering rapid, secure and convenient payment for goods and services online between merchants and end customers. Almost 25 years of experience guarantee maximum professionalism.

As the secure handling of payment transactions is an absolute priority for us, our company is certified according to the highest safety standard - PCI DSS Level 1. If you should find a debit under the name Paycific on your credit card or bank statement, this was carried out on behalf of a website that uses Paycific as a billing system.

01. Do I have to register with Paycific or open a customer account in order to make a payment?
02. What is the advantage of having a Paycific customer account?
03. What will a Paycific customer account cost me?
04. Does Paycific have a binding contract period?
05. How high are the security measures and data security standards at Paycific?
06. How do I get my money back if I did not receive the goods or services I paid for?
07. Who is responsible for the services billed via Paycific?
08. How can I log into a website as a member?
09. How can I cancel my membership of a service?
10. What is so-called subscription billing?
11. How can I change my Paycific customer account e-mail address or my personal password?
12. What do I do if I have forgotten my Paycific password?
13. What is my level of anonymity on statements issued by credit card institutions, banks etc.?
14. What do I do if, despite successfully completing a transaction, I did not receive an e-mail confirmation from Paycific?
15. Which means of payment does Paycific accept?
16. How can I change my preferred means of payment in a Paycific customer account?
17. What is the 3D-Secure process (verified by VISA or MasterCard SecureCode)?
18. Why must I verify my account if I want to pay by SEPA direct debit?
19. Why was my Paycific customer account blocked?

Do I have to register with Paycific or open a customer account in order to make a payment?

No - it is not absolutely necessary to register or to open a customer account. Anyone can make a payment to a merchant who accepts Paycific as a payment system.

What is the advantage of having a Paycific customer account?

A Paycific customer account enables you to benefit from many advantages. Following successful registration, for example, you will not have to enter your personal data in a payment window again for each payment, thus reducing the risk of incorrect input and attempted fraud by third parties. You have already registered your preferred payment system (e.g. by credit card) in the account area and will then only need your e-mail address and your personal password to make a payment.

What will a Paycific customer account cost me?

Opening, maintaining and closing a customer account is completely free of charge. When paying via Paycific you will also not incur any additional charges, unlike the normal standard used by other payment service providers. The only costs you will have to bear are those caused by you (e.g. when requesting a credit card payment reversal or a chargeback).

Does Paycific have a binding contract period?

No - you can open a Paycific customer account free of charge at any time and also delete it again at any time in your customer account area under the 'Profile' tab.

How high are the security measures and data security standards at Paycific?

Only Paycific is aware of your personal data and keeps this in an absolutely secure computer centre, taking into account the highest security and data protection standards and all legal requirements. Your entire data traffic is only transmitted in SSL-encoded form and can thus NOT be read by unauthorised parties when transmitted online. Moreover, Paycific is certified according to the highest Level 1 for credit card organisations (Payment Card Industry Data Security Standard PCI DSS).

How do I get my money back if I did not receive the goods or services I paid for?

We investigate all merchants to ensure that they are professionals before permitting them to do business with Paycific. This ensures a high degree of security for you as an end customer. If you should nevertheless experience problems with a merchant, please contact our support team to file your request or complaint. We will then attempt to solve the problem jointly with the responsible merchant and order a payment reversal where appropriate.

Who is responsible for the services billed via Paycific?

In principle, all merchants connected to Paycific are entirely responsible for their own services and business activities. As part of the legitimate business interests of Paycific, we offer you - as an experienced payment handler - protection against unprofessional service providers. We and our credit card acceptance banks investigate each merchant before doing business with them, as well as at regular intervals thereafter. This is why it is important to contact our customer support if you should have a problem with a merchant at any stage. We will then immediately attend to the matter and take the corresponding steps.

How can I log into a website as a member?

The service provider offers you a login link for this purpose on the website. If you cannot find it, or if you feel that it is too unsafe to use, you can also log into your Paycific customer account and use the 'Access' navigation tab to log in by mouse click. You will not need any additional passwords or access data for this purpose.

How can I cancel my membership of a service?

Normally the operator of the website of which you obtained membership will offer you a cancellation link. As a Paycific customer account holder, you can also simply log into your account and then cancel your membership by mouse click under the 'Access' navigation tab, where you will be able to view all current website memberships.

What is so-called subscription billing?

If you take out a subscription, this will be automatically extended by a specific further period once the booked period has expired, unless it is cancelled by you. Paycific will once again collect the due amount on behalf of the website operator.

How can I change my Paycific customer account e-mail address or my personal password?

To change your e-mail address, you must contact our customer support service, but you can change your password yourself at any time in the account area.

What do I do if I have forgotten my Paycific password?

In this case you can reset your password. Simply click on the 'Forgotten password' link and you will immediately receive an e-mail containing a link for requesting a new password. You only have to click on this to be able to create a new password.

What is my level of anonymity on statements issued by credit card institutions, banks etc.?

In all cases, your credit card or bank statement etc. will always show the name 'Paycific.com' as the debiting company and a support telephone number. There is thus a 100% guarantee that no unauthorised person will find you what kind of service you paid for.

What do I do if, despite successfully completing a transaction, I did not receive an e-mail confirmation from Paycific?

There may be various reasons for this. For example you may have registered a wrong e-mail address with us, or your hosting company may have put the e-mail sent by us into your Spam directory. In this case, please contact our customer support service.

Which means of payment does Paycific accept?

To pay via Paycific, you can choose between various means of payment or save these as general payment modes in your account. Paycific is always trying to integrate and accept additional national and international payment systems.

The following means of payment are currently available:

INTERNATIONAL
VISA und MasterCard
Manual transfer
Paysafecard

EUROPE
SOFORT-Ueberweisung (DE / CH / AT / NL / BE / GB / IT / ES / FR)
SEPA direct debit (33 member states)

GERMANY
GiroPay
Telekom Online-Ueberweisung

How can I change my preferred means of payment in a Paycific customer account?

You can create any number of payment modes in your account area or delete them as you wish. You can also decide which is to be used as the standard means of payment for payments made for you via Paycific. If you wish to change a credit card or your bank details, then simply delete the old information from your account and enter the new information.

What is the 3D-Secure process (verified by VISA or MasterCard SecureCode)?

The 3D-Secure security procedures ensure that the person placing the order is indeed the holder of the credit card.

• The card holder registers for the 3D-Secure procedure with its bank and chooses a password.
• When buying online, the customer selects the desired products or services and enters its data in the payment window after selecting 'credit card' as its means of payment.
• The customer is now linked to the server of its bank and must enter its personal password in the bank's internal web window.
• The bank will then verify the password and approve the transaction. This procedure provides merchants and card holders with certainty that the other party's identity has been verified.

Why must I verify my account when I want to pay by SEPA direct debit?

This is done to protect you against fraudulent use of your bank account details. Paycific accepts the SEPA direct debit payment mode only for customer accounts via which at least one payment has been made by online transfer (SOFORT transfer, GiroPay, Telekom Online transfer) using a PIN / TAN. Thus Paycific has guaranteed identification.

Why was my Paycific customer account blocked?

If you have not asked for your customer account to be blocked or deleted, it is possible that you have violated the General Terms and Conditions of Paycific, that we have identified a fraudulent attempt to make use of your account or that your payments are in arrears. You will need to contact our customer support service for clarification. Support Support

If you did not find an answer to one of your questions, please contact our support team.