Activation and Configuration

This article explains how to activate our in-house payment providers, Payrexx Pay and Payrexx Pay Plus, to receive payments from your customers.

In Payrexx, you can configure different payment providers to accept payments from your customers:

• Our in-house payment providers: Payrexx Pay and/or Payrexx Pay Plus

• External payment providers

Payrexx Pay and Payrexx Pay Plus

This article explains how to activate Payrexx Pay or Payrexx Pay Plus so that your customers can make payments with your business.

Benefits

With Payrexx Pay and Payrexx Pay Plus, you can receive customer payments without needing to set up external payment providers. A single agreement with Payrexx is sufficient.

All common payment methods are centrally bundled in Payrexx Pay and Payrexx Pay Plus and can be activated with a single click.

Requirements

To use our in-house payment providers, merchants must meet the following requirements:

Payrexx Pay	Payrexx Pay Plus
Verified Payrexx account	Verified Payrexx account
Merchant is registered in: 🇨🇭 Switzerland	Merchant is registered in: 🇨🇭 Switzerland, 🇱🇮 Liechtenstein, 🇦🇹 Austria, 🇩🇪 Germany, 🇮🇹 Italy, 🇫🇷 France, 🇳🇱 Netherlands, 🇱🇺 Luxembourg, 🇩🇰 Denmark, 🇬🇧 United Kingdom, 🇧🇬 Bulgaria

Activation and Configuration

The following sections explain how to activate and configure the payment providers Payrexx Pay and Payrexx Pay Plus:

Payrexx Pay

• To activate Payrexx Pay, navigate to Payment Providers in the merchant administration of your Payrexx account.

• Click "Activate" next to "Payrexx Pay":

Activating the payment provider Payrexx Pay

• In the next step, you can configure the following settings.

Mode

At the top of the window, you can select whether to operate Payrexx Pay in test or live mode:

Switching between test and live mode in Payrexx Pay

• In live mode, you receive real customer transactions.

• In test mode, you can test the payment functions before going live.

For more information about test mode, please refer to the following article:

Testing

Below, it shows whether payment processing and payouts are enabled:

Receiving payments and payouts to your bank account are enabled.

If a is not displayed for payments and/or payouts, but a appears instead, please contact our support team.

Fees and contract terms

In the next section, you can review your merchant agreement and transaction fees.

Merchant contract

By clicking "Merchant Contract", you will be redirected to the Plan and Billing section, where you can download your agreement with Payrexx:

Download the contract between the merchant and Payrexx

Transaction fees

Below, you will find an overview of the transaction fees for all payment methods:

Excerpt from the list of transaction fees for the various payment methods

For credit cards, a distinction is made between the following three fee categories:

1. Domestic: Merchant and credit card are issued in the same country

2. Intra: Merchant and credit card are within the same region (e.g., EEA)

3. Inter: Merchant and credit card are not within the same region

For more information, please refer to Card Regions and Fees.

1. Fee: The entry 1.65% + CHF 0.18 (maximum transaction amount: CHF 20,000.00) means that a variable fee of 1.65% plus a fixed fee of CHF 0.18 is charged per transaction. For an amount of CHF 100.00, this corresponds to CHF 1.65 + CHF 0.18 = CHF 1.83. The maximum transaction amount that can be processed is CHF 20,000.00.

Chargeback fees

A chargeback occurs whenever you, as the merchant, lose a dispute. In such a case, in addition to the amount of the disputed transaction, a fee of CHF/EUR/USD 35.00 is charged:

Fee charged to the merchant for a chargeback (lost dispute)

Payout fees

For each payout of the balance to the merchant’s bank account, a fee of CHF/EUR/USD 0.30 applies:

Fee charged to the merchant per payout

Settings

At the bottom of the window, you can configure various settings for payment methods and currencies:

Configuring payment methods and currencies in Payrexx Pay

1. Request New Payment Methods: By selecting the checkbox and clicking "Apply", new payment methods (e.g., Crypto or Reka) can be requested. Once the request is approved, the merchant will receive a notification, and the payment method can be activated under "Available Payment Methods".

2. Available Payment Methods: By checking or unchecking the boxes, you can determine which payment methods are displayed to customers during checkout. The order of the payment methods can be adjusted via drag & drop.

3. Purchase on Invoice: If "Purchase on Invoice is enabled, the payment method can be configured by clicking "Customize Settings". For more information, please refer to the following article:

Purchase on Invoice

1. Currencies: Currencies can be activated or deactivated with a simple click.

2. Statement Descriptor: The name that will appear on the customer’s credit card statement (between 5 and 18 characters).

3. Payout Bank Accounts: Click "Change settings" to access the payout settings.

4. Deactivate: Deactivate the payment provider Payrexx Pay.

5. Save: Save the changes you have made.

The payment provider Payrexx Pay is now fully configured.

Payrexx Pay Plus

• To activate Payrexx Pay, navigate to Payment Providers in the merchant administration of your Payrexx account.

• Click "Activate" next to "Payrexx Pay Plus":

Activating the payment provider Payrexx Pay Plus

• In the next step, you can configure the following settings.

Mode

At the top of the window, you can select whether to operate Payrexx Pay Plus in test or live mode:

Switching between test and live mode in Payrexx Pay Plus

• In live mode, you receive real customer transactions.

• In test mode, you can test the payment functions before going live.

For more information about test mode, please refer to the following article:

Testing

Below, it shows whether payment processing and payouts are enabled:

Receiving payments and payouts to your bank account are enabled.

If a is not displayed for payments and/or payouts, but a appears instead, please contact our support team.

Fees and contract terms

In the next section, you can review your merchant agreement and transaction fees.

Merchant contract

By clicking "Merchant Contract", you will be redirected to the Plan and Billing section, where you can download your agreement with Payrexx:

Download the contract between the merchant and Payrexx

Transaction fees

Below, you will find an overview of the transaction fees for all payment methods:

Excerpt from the list of transaction fees for the various payment methods

For credit cards, the following three fee categories are distinguished:

1. Domestic: Merchant and credit card are in the same country

2. Intra: Merchant and credit card are in the same region (e.g., EEA)

3. Inter: Merchant and credit card are not in the same region

For more information, please refer to Card Regions and Fees.

1. Fee: The entry 1.65% + CHF 0.18 means that each transaction incurs a variable fee of 1.65% plus a fixed fee of CHF 0.18. For an amount of CHF 100.00, this corresponds to CHF 1.65 + CHF 0.18 = CHF 1.83.

Chargeback fees

A chargeback occurs whenever you, as the merchant, lose a dispute. In such a case, in addition to the amount of the disputed transaction, a fee of CHF/EUR/USD 35.00 applies:

Fee charged to the merchant for a chargeback (lost dispute)

Settings

At the bottom of the window, you can configure various settings for payment methods and currencies:

Configuring payment methods and currencies in Payrexx Pay Plus

1. Currencies: Currencies can be activated or deactivated with a simple click.

2. Request New Payment Methods: By selecting the checkbox and clicking "Apply", new payment methods (e.g., SEPA Debit Direct) can be requested. Once the request is approved, the merchant will receive a notification, and the payment method can be activated under "Payment Methods".

3. Payment Methods: By checking or unchecking the boxes, you can determine which payment methods are displayed to customers during checkout. The order of the payment methods can be adjusted via drag & drop.

4. Statement Descriptor: The name that will appear on the customer’s credit card statement (between 5 and 18 characters).

5. Payout Bank Accounts: Click "Change settings" to access the payout settings.

6. Deactivate: Deactivate the payment provider Payrexx Pay Plus.

7. Save: Save the changes you have made.

The payment provider Payrexx Pay Plus is now fully configured.

Avoiding duplicate activation of payment methods

Visa, Mastercard, and Google Pay can be activated in both Payrexx Pay and Payrexx Pay Plus. Please ensure that you enable these payment methods in only one of the two payment providers. Otherwise, they will appear twice during checkout, which may confuse customers:

Duplicate payment methods displayed (Example: Visa and Mastercard)

Further Information

• If you have activated payment methods within Payrexx Pay or Payrexx Pay Plus that were previously enabled as external payment providers, you can now deactivate them under the external payment providers.

• If you are using one or more e-commerce tools, activate Payrexx Pay and/or Payrexx Pay Plus in the settings of the respective tool.