Payment and collection gateway for microcredits - PaynoPain
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Are you a microcredit company? We have the solution you are looking for.

Payment gateway for lenders

At Paynopain we offer you the tools to automate your collections by maximizing the conversion, automating the delivery of capital, recover debtors and protecting your business against fraud.

At Paynopain we offer you the tools to automate your collections by maximizing the conversion, automating the delivery of capital, recover debtors and protecting your business against fraud. Are you a microcredit company? We have the solution you are looking for.

 

The most common problems that microcredit companies face…

Automation

Automation of credit delivery

Conversion

Maximize conversion and efficiency of charges

Avoid fraud and setbacks

Avoid fraud problems and setbacks as much as possible

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Integrate your operations to pay and charge your users on a single platform

With our Paylands payment gateway, you can fully integrate payment flows within your own platform optimizing the experience of your users. You can create rules that allow you to discriminate between safe and dangerous operations in order to act accordingly and make the decisions that benefit your business the most.

In addition, you will be able to automate the delivery of credits to your users through our Virtual POS services and payment accounts.

We provide you with tools that will allow you to optimize your clients’ debt recovery processes through 5 different channels:

Card

Make your users’ card charges through your website automatically by connecting with our API, or through our Javascript SDK.

Backoffice

Make charges manually through our backoffice, both to users who have already registered, and to new users whose card details are not yet available.

E-mail

Send an automated email campaign to as many users as you need. Send a fully customizable e-mail to improve the conversion rate of the campaign.

SMS

Send an automated SMS campaign to as many users as you need. Send a fully customizable e-mail to improve the conversion rate of the campaign.

IVR

Charge your users during a call, on the fly, through your callcenter, connecting with our PCI IVR solution. You also have the possibility of conducting an automated call campaign to try to recover a charge with a recorded speech without human intervention.

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Have any doubt? Contact us.

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    A global acquisition network

    Thanks to our experience in the sector and the connection with multiple acquirers worldwide, we can select the acquisition that best suits your business always looking for the maximum return.

    Hotels

    Do you need a payment gateway for your business? We offer our Paylands gateway as a solution, even under white label.

    Lenders

    Are you looking for a solution to automate your charges, maximize your business conversion and avoid fraud?

    Collaborative economy

    We know that companies in the collaborative economy sector have greater complexity in fund management as they must support thousands of buyers and sellers.

    e-Commerce

    Learn more about our solutions for small and medium businesses.

    Banking

    Mobile banking is easier than ever.

    Teleoperators

    Create a complete payment ecosystem based on mobile apps.

    VIRTUAL POS SOFTWARE

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    Solutions for hotels

    We specialize in offering payment solutions to hotels. We comply with PCI Compliance regulations so we can offer PCI DSS services to hotels that cannot store card data.

    We also integrate with the hotel sector management programs such as PMS, Channel Managers or Booking Engines. Do you want to know more about our solutions? Whatever your hotel is, call us.

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    VIRTUAL POS SOFTWARE

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    Lenders

    In Paynopain we offer you all the tools you need for what concerns you most, you can automate your collections maximizing conversion, automating capital delivery, recovering debtors and at the same time protect your business against fraud.

     

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    VIRTUAL POS SOFTWARE

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    Collaborative Economy

    If you are a business based on collaborative economy, in Paynopain we offer you the tools to automate your collections, manage payments to users and at the same time comply with banking regulations and money laundering. Our solution is easy, convenient and safe.

    More info

    VIRTUAL POS SOFTWARE

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    Solutions for e-commerce

    Our Paylands payment gateway is the perfect way to make all the payments your business needs.

    In Paynopain we care about our customers, from the small to the large, we always offer the best service to all of our shops. We offer all kinds of services.

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    VIRTUAL POS SOFTWARE

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    Banking

    In Paynopain we believe that banking processes can be simplified to improve the user experience so that paying becomes easier. Because of that, we offer you a custom mobile banking solution specially for you.

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    VIRTUAL POS SOFTWARE

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    Teleoperators

    Get a mobile bank that helps you comply with the regulations in force in each country and allows you to easily retain your users.

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    Frequently Asked Questions (FAQs)

    Can I collect the card data without making any charge and make the payment after a while?

    We have an alternative that allows us to validate and store cards without the user having to be charged by the merchant, very useful for when you just want to have the payment method stored and collect it later.

    Can I carry out collection campaigns through other channels such as telephone, SMS or e-mail?

    Yes, at PaynoPain we have developed the option to send payment links through different means such as email, SMS or even social networks. In this way, you will be able to carry out your collection campaigns in a simple and fast way.

    Is there a monthly limit for the number of attempts to charge each card?

    Normally, the entities that issue the cards are the ones that introduce the limitations and control mechanisms, so it will depend on each case. If these limitations are crossed, the issuing entity can block the card to check if it is being used fraudulently.

    Can I send the credit amount directly to the user’s credit card?

    Yes, we have a service that allows you to send money to a credit or debit card or to the associated bank account in less than 30 minutes.