How it works
Why Sellers should use 3PayMe
You can now accept credit or debit card payment for any item you want to sell, without the need of any sort of device or POS system, creating more potential business.You won’t have to handle cash thus avoiding security issues, cash deposit fees and the inconvenience of driving to, and standing in the queue at, the bank or ATM.3PayMe is an excellent buyer vetting system and you won’t have to deal with time wasters as the amount requested will have been put up by the buyer before viewing the item.You can request a partial payment to be paid through 3PayMe (which ensures a minimum payment value for the item) with the balance being negotiated when meeting with the buyer.You won’t be bothered by people after the item has been sold as 3PayMe will indicate that the item has been sold and is no longer available.The system can also be used by merchants who want to accept card payments but don’t have card facilities. Simply create a 3PayMe virtual sales tag and then create an actual sales tag with the 3PayMe tag code printed on it and then attach this to the item that’s for sale.You can create private tags for a specific item or service and this tag will be made available via email or login only to the individual who will make the payment.END
Why Buyers should insist that 3PayMe is used by the Seller
Payments can be made easily with a credit or debit card.You avoid all the risks associated with making large cash withdrawals or negotiating with an unfamiliar person with a large amount of cash in your wallet or purse.It is easy to ascertain if an item that is advertised across multiple classified adverts websites has been sold or if it is still available – so you won’t waste time on things already sold.You can reserve an item that you want but which you can’t get to view right away by lodging a payment with 3PayMe (which is only released to the seller later under your control) and arranging to meet later when convenient.If you decide not to purchase the item once you viewed it, you won’t be stuck with a large amount of cash that you have to deposit back into your account.You won’t have the costs associated with withdrawing cash from the bank or ATM.You control the effective release of the funds to the seller once you have met and you are happy with the item on sale.No complicated internet banking or EFT transfers/money wires required.You will accumulate credit and debit card loyalty scheme points by making a card payment for the item purchased whereas if you paid in cash you would not.You won’t run into daily cash withdrawal limits at your ATM and you won’t have to stand in queues at the bank or the ATM.END
How do Sellers use 3PayMe ?
As a Seller you simply go to 3PayMe, create a new Sales Tag and add your advert product description and the amount you want to be paid for the item.3PayMe then generates a unique 8 digit Tag Code and gives you some payment instruction text and a hyperlink, which you simply copy and paste into your advert text on the classified adverts website you are using.When the payment amount has been lodged on 3PayMe by a Buyer, you will immediately receive a confirmation email. If you haven’t already done so, you and the Buyer will then arrange to meet.Once the Buyer is sure they want the item you are selling, they will give you a Redeem Code in the same way they would previously have given you cash.You just need to use the Get Money option on the 3PayMe website to enter the 8 digit Redeem Code given to you and the payment that was required for the item will be paid into your bank account.END
How do Buyers use 3PayMe ?
When you want to make a payment for an item you want to buy, simply use the Pay A Tag option on the 3PayMe website and enter the 8 digit 3PayMe Tag Code that appears in the classified advert text (you may also be given the option to click on a link in the advert text).This will show you the Sales Tag for the item (you can check that the description and price correspond to your expectations) and you can lodge your payment via instant EFT or using your debit or credit card.Once your payment has been made you will be given an 8 digit Redeem Code that you will keep secret and eventually give to the Seller once your deal is concluded.Once you have met with the Seller and confirmed that everything is in order, you can hand over the Redeem Code (in the same way that you would previously have handed over a wad of cash) and take ownership of the item.If you do not want to conclude the transaction for whatever reason, then you have the option to cancel your tag payment and forfeit only the small transaction fee associated with the initial payment.END
Must I pay to use 3PayMe ?
If you’re a Buyer then the great news is that 3PayMe does not cost you anything to use.There are some fees associated with each transaction that is successfully concluded and these are paid for by the Seller.The fees structure is based on a minimum fixed fee plus a small percentage of the value of the transaction.The fee structure is like this because of the nature of the bank and transaction fees charged to 3PayMe to process the payments and make the payouts on conclusion of the transaction.But it has been optimized to ensure a cost effective and consistently efficient charge across the range of transaction values.Because there is a minimum fixed fee involved, we don’t allow transactions below a certain threshold as these just wouldn’t make good commercial sense for a Seller.The fees for a transaction are calculated and shown when the Sales Tag is being created on 3PayMe and the Seller is clearly able to see how much money will be paid into their bank account once that tag has been paid for by a Buyer and the Seller has entered the Redeem Code using the “Get Money” function.No fees are charged for creating a Sales Tag and fees are only ever paid via an agreed deduction from the amount paid for a particular Sales Tag.If a payment is lodged against a Sales Tag by a Buyer and the Buyer decides that they no longer want to complete the transaction for whatever reason, then they can simply cancel their payment and this will be repaid to their bank account, less the transaction fee that was originally quoted to the Seller.Unfortunately 3PayMe has to charge this small transaction fee because costs will have been incurred through charges from the bank and payment partners.END
Some questions you might have
Must I register as a user to create Sales Tags ?Yes you do need to so that we can ensure that you get your money when you redeem your Sales Tag and also so that we can keep all your tags together for you and give you the option to edit them or remove them or even email them to someone.Must a Buyer register as a user to lodge a payment ?No it’s not necessary, a Buyer can pay anonymously. But the Buyer must provide an email address and this must be verified before the payment process starts so that we are able to contact the Buyer in the unlikely event that something goes wrong with their payment.How do I edit my Sales Tags ?In order to edit one of your published Sales Tags, you must first click on the “Hide Tag” button so that someone can’t transact on the tag when you are busy with it. Then click on the “Edit Tag” button to make changes to the tag. Remember to click on “Publish Tag” when you are finished otherwise people won’t be able to access it to view or lodge payment.What happens if I lose connection while making a payment ?3PayMe will try to complete the payment process once your connection is re-established. If this takes too long and you were already connected to the PayU payment gateway, then the transaction may fail due to a timeout and you’ll need to start over. But you will be prompted all the way through with regards to what you need to do. If you’re not sure if a payment was processed successfully then check your email as you will have received a payment notification if the payment was processed.Is the payment process safe and secure ?Yes our platform is really safe. We run a secure SSL encrypted platform with a digital certificate supplied by Thawte. You will notice that our web address is preceded by https:// which indicates that we run a secure and safe environment. You’ll also see a little padlock on the left of the URL in your browser, which indicates the same.Our payment platform provider is PayU and they are Visa and Mastercard approved and they carry all the certifications required in order to process card and EFT payments.From our side, we don’t have access to your credit or debit card details and the bank account information you provide for your payments can only be used to put money into your account. We don’t have access at all to any of your passwords, pins or CVV numbers.END
Terms and Conditions of Use
IntroductionAcceptance of these Terms and Conditions of Use concludes a contract between 3PayMe (Pty) Ltd and yourself and governs your use of any of the 3PayMe services available now or in the future. Acceptance of these Terms and Conditions of Use means that you have accepted all of the terms and conditions contained in this agreement.3PayMe retains the right to amend this Agreement at any time by updating the version of the document available on the 3PayMe website. All revisions and changes will be effective with immediate effect upon publication.Please be aware that we may close, suspend, or limit your access to your account on the 3PayMe service if you are in breach of this agreement or any other agreement you may enter into with 3PayMe.You are responsible for understanding and complying with any and all laws, rules and regulations applicable to the transactions for which you make use of the 3PayMe service.Purpose and Responsibilities3PayMe is a payment facilitation service and acts as such by creating, hosting, maintaining and providing our 3PayMe services to you via the Internet. Our service allows you to make or receive payments for goods in accordance with a controlled, low risk, trusted payment protocol.3PayMe is not a remittance business or a money transfer service.We do not have any control over, and are not responsible or liable for the products or services that are paid for with our 3PayMe service. It is your responsibility to maintain care in all your dealings and to ensure that 3PayMe Release Codes and the respective product or service is transacted simultaneously between seller and buyer.Eligibility to use the serviceTo be eligible to use the 3PayMe service as a seller, you must be in procession of a valid bank account and a valid email account.To be eligible to use the 3PayMe service as a buyer, you must be in procession of a valid email account and an applicable and valid bank account with a payment card or be a member of an applicable payment service.ContactIn order to open and maintain a 3PayMe account, you must provide us with your contact email address.It is your responsibility to keep your contact email address up to date so that 3PayMe can communicate with you electronically. You understand and agree that if 3PayMe sends you an electronic communication but you do not receive it because your contact email address on file is incorrect, out of date or blocked by your service provider, or you are otherwise unable to receive electronic communications, 3PayMe will be deemed to have successfully provided the communication to you. If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you should add 3PayMe to your email address book so that you will be able to view the communications that we send to you.You can update your contact email address at any time by logging into the 3PayMe website. PaymentsBy using a debit card, credit card or other applicable payment service as a payment method on the 3PayMe website, you are providing 3PayMe and its payment partner with authority to automatically charge that card or payment service account to obtain the relevant funds when the card or payment service is used as a payment method.When you make a payment against a 3PayMe tag but do not make use of the Release Code that is provided to you and instead choose to reverse the payment that was made, then the payment will be returned to your bank or payment service account less the transaction fee incurred as a result of the bank processing fee applied to that payment.Payments made to you as a Seller by 3PayMe once a Release Code has been submitted, will be processed through an automatic payment process and the funds may take up to 48 hours to reflect in your bank account, depending on inter-bank payment delays.Payments made to you as a Seller by 3PayMe will have the processing fee deducted that was initially disclosed with the creation of the Sales Tag for which the payment applies.Once a Release Code has been submitted against a specific tag then this cannot be reversed and payment will be made to the Seller.The general terms and conditions of use provided by the card payment gateway provider or payment service provider apply in full to all payments made by users of the 3PayMe service.SecurityYou are responsible for maintaining adequate security and control of any and all username and password information or any other secret information or codes that you use to access the 3PayMe service or that are provided to you by the 3PayMe service.Restricted ActivitiesWith regards to the use of the 3PayMe website, your account or the 3PayMe service, or in the course of your interactions with 3PayMe or other users of the service, you agree that you will not :• Breach this agreement or any other policy that you have agreed to with 3PayMe.• Violate any law or regulation.• Infringe 3PayMe or any third party's copyright, patent, trademark, trade secret or other intellectual property rights or rights of publicity or privacy.• Act in a manner that is defamatory, libelous, threatening or harassing to 3PayMe’s subsidiaries, affiliates, company officers, company directors, agents, joint venture partners, employees, service providers or other 3PayMe users.• Provide false, inaccurate or misleading information.• Engage in fraudulent or suspicious activity or transactions.• Send unsolicited emails to a 3PayMe user.• Take any action that imposes an unreasonable or disproportionately large load on our infrastructure.• Facilitate any viruses or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information.• Use a proxy to render yourself anonymous or use any robot, spider, other automatic device, or manual process to monitor or copy our website without our prior written permission.• Take any action that may cause us to lose any of the services from our internet service providers, payment processors, or other suppliers.Disputes3PayMe will attempt to resolve any disputes as effectively as possible to your satisfaction and with where possible, a neutral and cost effective outcome.Limitation of LiabilityIn no event shall 3PayMe, its subsidiaries, affiliates, company officers, company directors, agents, joint venture partners, employees or service providers be liable for lost income or any special, consequential or incidental damages (including damages for loss of data or business) arising out of the use of or in connection with, the 3PayMe website, the 3PayMe services or this agreement, howsoever arising including negligence.3PayMe is not a bank nor a financial services provider and the 3PayMe services are payment processing services and are not banking services. 3PayMe is acting only as an escrow payment custodian. 3PayMe does not have control of, or liability for, the products or services that are paid for with the 3PayMe service. 3PayMe does not guarantee the identity of any user.3PayMe does not have any control over the products or services that are paid for with the 3PayMe services and 3PayMe cannot ensure that a buyer or a seller will actually complete the transaction or is authorized to do so. 3PayMe does not guarantee continuous, uninterrupted or secure access to any part of the 3PayMe service, and operation of the site may be temporarily suspended for maintenance or upgrade or be interfered with by numerous factors outside of our control. 3PayMe will make reasonable efforts to ensure that all payments are processed in a timely manner but 3PayMe makes no representations or warranties regarding the amount of time needed to complete processing because the services provided are dependent upon many factors outside of our control, such as delays in the banking system or mail service. Intellectual Property"3PayMe.com" and all other URLs, logos and trademarks related to the 3PayMe services are either copyright protected, trademarks or registered trademarks of 3PayMe or its licensors. You may not copy, imitate or use them or any part of the 3PayMe website or applications without 3PayMe’s prior written consent. IndemnityYou agree to defend, indemnify and hold 3PayMe, its subsidiaries, affiliates, company officers, company directors, agents, joint venture partners, employees or service providers harmless from any claim, any demand, fine or other liability incurred by yourself or any third party due to or arising out of your or your employees’ or agents’ use of the 3PayMe service or breach of this agreement.No WaiverIn the event of our failure or delay to act with respect to a breach by you or others, our right to act with respect to the breach or any subsequent or similar breaches is not waived. ConfidentialityIf you receive information about another user through the 3PayMe service, you undertake to keep the information confidential and only use it in connection with the 3PayMe service. You may not disclose or distribute another user’s information to a third party or use the information for marketing purposes unless you receive that user's express consent to do so.Complete AgreementThis agreement provides the entire understanding between you and 3PayMe with respect to the 3PayMe service. All terms which by their nature should survive the termination of this agreement, will survive the termination of this agreement. If any provision of this agreement is deemed to be invalid or not enforceable then that provision shall be struck from the agreement and the remaining provisions shall be enforced.Assignment3PayMe reserves the right to transfer or assign this agreement or any right or obligation under this agreement at any time.END
IntroductionThis cancellation policy is for this website (www.3payme.com) and is served by 3PayMe (Proprietary) Limited.This policy deals with the conditions under which 3PayMe services can be cancelled and the implications of such a cancellation.Tag Cancellation by Tag CreatorA tag that has been created can be cancelled and removed from public visibility by the creator of the tag at any point in time unless another user has started or concluded the process of lodging a payment against that tag.Valid tag cancellations by the tag creators have no commercial implication.Tag Payment Cancellation by Anonymous UserAnonymous users that have completed a tag payment against a specific tag are only able to cancel that payment by contacting us at 3PayMe.Our help desk will then process the cancellation request and ensure that the tag payment amount less the transaction fee, is returned to the payer.Tag Payment Cancellation by Registered UserRegistered users that have completed a tag payment as a payer against a specific tag are able to cancel that payment at any time prior to providing the redeem code for that tag to the seller who created the tag.The tag payment amount less the transaction fee will be returned to the payer as soon as possible in the next payment cycle.Tag Payment Cancellation once tag has been redeemedIt is not possible to cancel a tag payment once the redeem code for that tag has been submitted to the 3PayMe site and the payment for the tag has been allocated to the seller who created the tag.Credit or Debit card payment process cancellationThe credit or debit card payment process is managed entirely by PayU, the selected payment partners for the 3PayMe service.The card payment process may be cancelled by the user up to the point at which the payment process instruction is issued by them to the payment partner.If the payment process is cancelled as described above then the payment will be aborted and the user will be returned to the 3PayMe platform without the payment having taken place.END
3PayMe is a trusted third party payment escrow service that is simple and safe to use by Sellers and Buyers who would otherwise have to handle inconvenient wads of cash in order to transact with each other.The co-founders of 3PayMe have over 40 years of experience developing software, products and services and they have brought this collective experience to bear on the as yet unsolved problems associated with cash payments in the classified adverts, online buy and sell and informal trade sectorsAnd because with 3PayMe, the Buyer controls when lodged payments are released to Sellers or Renters, the service can be used to pay for items bought or pay deposits for motor vehicles, motorcycles, scooters or even holiday houses and then can be used to pay the balance due for the same.3PayMe also generates paperwork for transactions if needed and has some great by-product features, like being able to show if something has been sold or if it’s still available.3PayMe is headquartered in Cape Town, South Africa and all operations are currently managed from here.END
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