For the merchants we collect valuable impersonated Big Data. Our reporting services help you to get the most out of your business in real time. Our system helps you to run your business more efficiently.
With the help of our reporting services you can easily gather a lot of additional information for example by using location recognition and detailed analysis reports. You can follow the development of your sales figures in real-time whenever wherever. In addition, the reports provide necessary information for accounting purposes.
We follow the PCI-DSS information security standards when dealing with credit cards and these standards meet the strict security standards set by international credit card companies.
We are able to react to potential problem situations quickly as embedded systems in our service detect intruders in real time. The information collected into the system is not given to outsiders and the information is dealt with by following information security legislation. The information provided to us is only used to analyze the payment transaction and to improve the service experience of the customer.
We act under the financial supervisory authority and for payment fraud prevention we use RiskPointer security technique which significantly helps minimize the risks of payment transactions.
PayiQ payment system is one of the most effective and affordable payment services. We support all the most common payment methods. Naturally traditional operator billing is supported, but that's not all. PayiQ also supports credit cards, prepaid wallet and even monthly invoicing.
The PayiQ Account linked to our payment service is a method of payment that functions as a virtual credit card. With the help of a PayiQ Account the customer can pay purchases of up to 500 euros in a mobile service, online store or a shop.
When paying with a PayiQ Account the payment period for the customer is from 15 to 45 days without interest, and if requested the purchases can be paid within the period of 48 months. The payout to the merchant is executed normally according to the PayiQ payout timetables.
The purchases made during one month are invoiced with a single summary invoice, which is to be paid on the last day of the following calendar month. Therefore, the payment period is always at a minimum 15 days.
If you want, you can also pay the invoice in smaller parts with your desired sum, as long as the minimum payment marked in the invoice is fulfilled. The remaining debt of the account can be paid whenever without extra expenses. The monthly interest of the account credit is 1.6 % of the remaining capital and the invoice fee is 2.95 €/month. Late and unpaid payments are charged with a 5 € reminder fee and an interest of 1.6 % of the delayed period.
The PayiQ Account with a 50 euro payment limit can be applied by all people over 18 years old permanently living in Finland, and who do not have a record of non-payment. Over 20-year-olds can also apply for the larger PayiQ Account of 500 euros. Parents can add their underage children as parallel users to their own account.
The realized annual interest of a purchase of 1000 euros with a credit period of 12 moths is 21%.
PayiQ relies on the most advanced cloud technologies utilized by the businesses and public sector worldwide. It is accessible regardless of time, place and device. Web interface supports any device with Internet Explorer, Safari, Firefox or Chrome browser.
Whether you use iPhone, iPad, Android or Windows Phone as your device - or even the new Windows 10, you are all set!
Our automatic update mechanism, which fulfils all information security requirements, ensures that the application is always up-to-date.
Our latest innovations in Live Content allow merchants to update the contents of the service without the need for customers to update their mobile applications. This makes life easier for the end users, and at the same time allows merchants to create new services and new content to expand their business.