Like virtually all low-cost wholesale VoIP carriers we operate on very narrow margins. This means we can only apply the net amount we receive to your account. Depending on the payment method you choose, a variable small fee will be deducted before adding funds to your account. We discount the amount you pay to defray the amount charged to us by the payment processor(s) and the discounts taken by our own underlying vendors and carriers. (In other words, WE pay these fees TOO.) EXAMPLE: If you pay $100 with a Visa card, we deduct the processing fee (usually 2.9% and apply $97. 10 to your account. We discount your payment by the exact amount we are charged by our payment processor. The following percentage are a guideline and are subject to change without notice.
CREDIT/DEBIT CARD PAYMENTS ORIGINATING FROM WITHIN THE USA:
- 2.9% deducted when you pay with a Visa credit or debit card.
- 2.9% deducted when you pay with a MasterCard credit or debit card.
- 2.9% deducted when you pay with a Discover credit card.
- 4.9% deducted when you pay with an American Express card.
PAYPAL PAYMENTS ORIGINATING WITHIN USA
- 2.9% to 5% deducted when you pay with PayPal through this site or directly.
- 2.9% to 5% deducted when you pay with PayPal via email (Send email to email@example.com.)
ALTERNATE PAYMENT METHODS
- 0.0% deducted (NO FEE) for direct bank wires.*
- 0.0% deducted (NO FEE) for direct ACH transfers.*
- 0.0% deducted (NO FEE) for Cashier’s Check (Pre-Approval is required, email us for details).*
- 0.0% deducted (NO FEE) for Cash or Cash Transfer (Cash in person, Western Union, Money Gram, etc.)*
TIMING EXCEPTION FOR CREDIT TO YOUR ACCOUNT
Our standard policy is to credit your account within 1 business day of receipt of funds. However, ESPECIALLY when we receive funds from ALTERNATE PAYMENT METHODS, if one or more of our underlying carriers are in non-USA jurisdictions, the time to credit your account may be extended by up to a week or more. This is because of time delays imposed on us and our ULC’s by the International banking system while transfering funds via bank wire or alternate methods approved by our ULC’s. In all cases, we credit your account at the soonest possible time after receipt. In the event credit to your account will be delayed beyond 1 business day, we will advise you by email.
*For instructions on bank wires, ACH, Cashier’s check and/or cash/cash transfers, send email to firstname.lastname@example.org.
SPECIAL CONDITIONS ON PAYMENT VIA WESTERN UNION, MONEYGRAM, ETC.
When delivering funds via money transfer services such as Moneygram and Western Union, the following additional conditions apply:
- Minimum payment required is $500
EXCEPTIONS TO POLICY FOR CREDITING ACCOUNT WITHIN 1 BUSINESS DAY:
- If one or more of our ULC’s is outside the USA banking system, or if they require unusual payment methods or otherwise delay crediting the Company’s ULC account on behalf of our customer(s), there may be a delay of up to 1 week or more before we can credit your account due to such restrictions and time delays which are outside our control. In such case of additional delay we will notify you via email of the reason for the delay.
PAYMENTS ORIGINATING OUTSIDE THE USA:
We add an additional the greater of 1% or the actual amount charged by our processor fees above and deduct that amount from your payment before adding the net amount to your Voifone Carrier account. There are no adjustments for foreign exchange rates for non-USA-based payments.
MINIMUM & MAXIMUM CARD TRANSACTION AMOUNTS & FEES: $5,000.00 (Use alternate methods for larger amounts.) Minimum payment is $25; payments accepted in multiples of $25. Minimum card processing fee is $1.25 per transaction.