- GENERAL QUESTIONS
- ISSUE OF PAYMER CHECKS
- ACCEPTING PAYMENTS IN PAYMER
- FEES AND COMMISSIONS
- CONTACT INFO
What is a Paymer check?
A Paymer check is a digital payment instrument consisting of a number and a code. Paymer combines simplicity and high reliability, allowing you to make transfers or pay for online purchases without the risk of compromising your personal data.
You don't need a bank account or card to create a check. A check can be transferred, split, used to pay for goods and services, and redeemed by exchanging for popular means of payment.
Privacy when using a Paymer checkPaymer checks are depersonalized and not tied to a specific person.
Paymer reliably protects funds of its clients and guarantees complete confidentiality of any personal information — your personal data, transaction history, bank details, and other important information. Paymer uses strong encryption to ensure maximum security of transactions.
What can I do with a Paymer check?
A Paymer check can be transferred, split, used to pay for goods and services, and redeemed by exchanging for popular means of payment.
How do I check the Paymer balance?
Go to the "Operations" tab and select "Verify". Specify the check number and code, and click the "Verify" button.
How do I split a check?
To pay for a product or service in an amount less than the nominal value of your Paymer check, you can split the check. The original check will be cancelled. Go to the "Operations" tab and select "Split". Specify the check number and code. Enter the session key and click the "Split" button. In the form that appears, specify the desired Paymer check denomination (the remaining amount, equal to the denomination of the second check, will appear in the next window). If required, specify the number of characters in the new checks' numbers and codes, and click the "Confirm" button.
How do I merge checks?
Go to the "Operations" tab and select "Merge". Specify the numbers and codes of the checks you want to merge. Enter the session key and choose where the funds will be transferred – to the first, second, or a new check. Click the "Merge" button.
What is a multi-split?
In a single operation, you can split a Paymer check into any number of checks totaling the original denomination. To do this, when splitting a check, indicate the number and denomination of the checks that you want to receive. Then you will receive a file with check numbers and codes for the total of the split operation. The operation is complete when you confirm that you received the checks.
What should I do if I created and funded a check but then closed the webpage without saving the check details?
Contact tech support by sending an email to email@example.com. Please include your IP address, browser, amount, check type, and all payment details in the email. You can get this information in your crypto wallet if you issued a cryptocurrency-backed check, or in WebMoney Keeper if the check is backed by WebMoney.
Can I redeem a check or withdraw funds from a check in parts?
Yes, you can. When withdrawing or redeeming, indicate a partial amount rather than the entire nominal value.
How can I ensure that the payment in Paymer was accepted by the recipient?
Track the status of transactions in your personal account or on the check transactionpage
Is it possible to choose a network when withdrawing funds from a cryptocurrency-backed check?
Yes, for example, funds can be withdrawn in USDT from a check in three networks: TRC-20, ERC-20 and BEP-20.
What is the difference between withdrawing and redeeming a check?
Withdrawal from a check backed by cryptocurrency is made to the crypto-address specified by the user. Redeeming is made to a WMZ-wallet in the WebMoney system.
Choosing an Agent and collateral of Paymer checks
When creating a check, you can choose what collateral will back it. The system currently features three agents, each accounting for a specific type of collateral.
CRYPTO Agent lets you issue and perform transactions with checks backed by cryptocurrencies: Bitcoin, USDT, Ethereum and Litecoin.
E-currency agent accounts for liabilities and collateral in the form of WebMoney title units (WMZ). In this case, the agent may take custody of the collateral either immediately when checks are created, or after some delay that must not exceed the checks' maturity.
Obligation Agent keeps records of the obligations of issuers that do not transfer collateral into the agent's custody. This agent certifies that a certain obligation has been received from the issuer, which must be fulfilled when the check is redeemed.
This method is suitable if you plan to issue checks backed by your own collateral, usually in large denominations.
What do I need to accept Paymer checks?
A merchant can accept payments by Paymer check-to-check transfer. However, the WebMoney Merchant service is suitable for stores that require their own form of payment and/or automated accounting of orders (including stores selling digital goods).
To receive payments automatically on a website, the merchant must register in the WebMoney system and configure the necessary settings in the WebMoney Merchant service. Customer funds will be transferred to the merchant's WebMoney wallet.
How do I automate the payments in Paymer checks?
You can quickly and easily automate acceptance of payments on your website using Paymer checks. When making payments, the customer enters the check number and activation code in the appropriate fields. The funds will go to the merchant's WebMoney wallet.
When setting up a WebMoney Merchant wallet, in the "Additional payment methods" section, enable "Accept Paymer.com checks (WebMoney cards)". Learn more:
How to create a payment link?
Creating a payment link is an easy way to issue an invoice. The customer chooses a convenient payment method: WebMoney, cryptocurrencies, Paymer check, etc. Regardless of the payment method, the funds will go to the merchant's WebMoney wallet.
In the WebMoney Wallet menu, select "Replenish" and then "Send payment link". Write down the amount and a note, if necessary, specify the expiration date of the link, and click "OK. Copy the link and send it to the buyer in any convenient way.
If the payment method "WebMoney card or Paymer check" is not available to the buyer when clicking on the payment link, you need to set up a wallet in the service WebMoney Merchant.
Is it possible to cancel a payment on a Paymer check?
No. Payments made with Paymer checks are instant and irrevocable.
Is there a commission for transferring from one Paymer check to another?
An 0.8% commission is charged when transferring from one check to another.
Is there a check maintenance fee?
No, maintenance of a Paymer check is free.
Is there a commission for splitting and merging checks?
You can merge and split checks for free. A 1% commission is charged only for multi-split operations. In a multi-split operation, you can split a check into any number of checks totaling the original denomination. Then you will receive a file with check numbers and codes for the total of the split operation.
Is there a commission when gifting a check?
A Paymer check can be transferred or gifted just like cash. No commission is charged. In order for the gift's recipient to use the check, provide the recipient with the check number and code. If you are planning a transaction and it is important that the sender will no longer have access to the check and that the recipient is guaranteed to receive the funds, we recommend that you use the check-to-check transfer option in your Paymer account. In this case, the check details are updated during the transfer process. The commission for transferring a check is 0.8%.
If you are planning a transaction and it is important that the sender will no longer have access to the check and that the recipient is guaranteed to receive the funds, we recommend that you use the check-to-check transfer option in your Paymer account. In this case, the check details are updated during the transfer process. The commission for transferring a check is 0.8%.
What is the maximum amount allowed for a single check?
- For checks in WebMoney: 200 WMZ
- For checks in Bitcoin: 1 BTC or 1000 WMX
- For checks in Litecoin: 100 LTC or 100000 WML
- For checks in Ethereum: 10 ETH or 10000 WMF
- For checks in Tether: 10000 USDT or 10000 WMT
How do I start working with the Paymer system?
The Paymer team is open to cooperating with payment systems, credit institutions, and any companies or individuals who want to issue their own payment instruments and are willing to provide collateral that is 100% guaranteed by assets in order to achieve this. If you are interested in such cooperation with the Paymer system, please contact us at firstname.lastname@example.org@paymer.com.
Can I use Paymer to make payouts?
Yes, using Paymer checks for payouts can significantly reduce transaction costs. Without country-based limitations, you can pay employees and service providers. To create several checks of a desired denomination, use the multi-split option.
Can I become a Paymer check distributor?
Yes, you can set your own commission and generate extra income from selling checks. Issue checks of any value. What's more, the check details can be both digital and physical, such as a scratch card.
Trier Group Ltd.
Tower II, Grand Century Place
193 Prince Edward Road West
Mong Kok, Hong Kong
You can send tech questions and cooperation proposals to email@example.com@paymer.com.