FAQ
Every question from across the site, gathered in one place. If your answer is not here, write to us and we will come back shortly.
Answers about integration
Do I need technical knowledge?
For hosted checkout, the integration is minimal. For the direct API a developer is recommended, but the documentation and examples make the process straightforward.
Is there a test environment?
Yes. We provide a full sandbox, with test cards, where you can verify any flow without real money.
Which platforms are supported?
We offer plugins and SDKs for popular eCommerce platforms, plus a REST API for any custom system.
Answers for auto services and repair shops
Can I send a payment link for a quote or a deposit?
Yes. Payment links can be sent by SMS or email for deposits, work approval or the final payment.
How is a payment matched to the job card?
The job card reference can travel with the transaction, so the payment is matched to the correct quote and customer.
Can I use POS and online payments together?
Yes. All channels can be combined into a single flow, whether the customer pays at reception or remotely.
How does automatic reconciliation work?
Confirmed payments are matched to the related documents and job cards, reducing manual checks.
Is the solution right for a network of workshops?
Yes. The dashboard can centralise transactions from several locations while keeping separate reports per location.
Answers for banks and financial institutions
How does RONPay integrate with a bank's infrastructure?
Integration happens through APIs and configurable flows, letting payments, reconciliation and reporting talk directly to existing banking systems.
Can RONPay unify online payments, POS and Open Banking?
Yes. All channels can be centralised into a single operational flow and a shared dashboard.
How does automatic reconciliation work?
Transactions are matched automatically to settlement reports and internal records, reducing manual checks.
Which security standards are supported?
The solution is designed for PSD2- and PCI DSS-compliant flows, with tokenisation and dedicated security controls.
How long does implementation take?
It depends on the institution's architecture. After a technical assessment, a phased plan is agreed, from testing through to go-live.
Answers about card payments
Which cards can I accept?
Visa, Mastercard, American Express, JCB and the major international networks, plus digital wallets such as Apple Pay and Google Pay.
Are payments secure?
Yes. We use 3D Secure, card data tokenization and a PCI DSS-compliant infrastructure.
Can I offer one-click payment to returning customers?
Yes. Through secure card tokenization, customers can pay faster, in a single click.
Answers for consulting firms
How can I automate collection of recurring invoices?
RONPay supports recurring payments, payment links and notifications for invoices and subscription-based services.
Can it integrate with an ERP or an invoicing platform?
Yes. Transaction statuses can be passed to your management system through APIs, to update invoices automatically.
Can I track projects and clients separately?
Yes. Transactions can carry client, project and invoice references, for easier filtering and reconciliation.
How is payment data protected?
Sensitive data is processed through tokenisation and secure infrastructure, limiting its exposure in the company's systems.
Does it support different billing models?
Yes. Flows can cover retainers, one-off payments, instalments, subscriptions and recurring invoices.
Answers about high-risk processing
What approval rate can high-risk businesses expect?
Well-optimized high-risk businesses, with specialized acquirers, reach approval rates of 80 - 92%. Lower rates usually indicate acquirer or routing problems. RONPay optimizes routing to maximize approval for each category.
How can I reduce chargebacks in my high-risk business?
Implement 3D Secure 2.0, use clear statement descriptors, set up early chargeback alerts, respond quickly to disputes with complete documentation and process refunds promptly. For subscriptions, send renewal notifications before billing.
What is the typical price for high-risk processing?
Pricing follows the IC++ model: the processor margin starts from 0.79%, on top of the card networks' interchange and scheme fees. Interchange varies by card type and geographic region. A rolling reserve of 5 - 15% usually applies to new accounts.
What does MCC mean and how does it affect high-risk processing?
An MCC (Merchant Category Code) is a 4-digit code assigned to the business that identifies its industry. MCCs for gambling, forex and adult content can be blocked by many issuers. An acquirer with MCCs pre-approved for your industry maximizes approval rates.
Answers for hotels and hospitality
Can RONPay connect to the hotel's PMS?
Yes. RONPay can connect to your PMS and booking engine to synchronise bookings, payments and reconciliation.
Can I collect deposits and balances before check-in?
Yes. The hotel can use online payments and payment links for deposits, guarantees and outstanding balances.
How are payments from different channels handled?
Transactions from the website, the POS and payment links can be monitored in a single dashboard, with reports by booking and by property.
Are contactless payments supported?
Yes. Compatible terminals accept contactless cards and digital wallets.
How does the system help reduce chargebacks?
Tokenisation, authentication and transaction traceability provide stronger data for prevention and for handling disputes.
Quick answers about activation
Can I accept payments before my account is activated?
No. Payment processing becomes available only after your account is activated and the integration is complete.
Do I have to restart the process if a document is missing?
No. You can upload the missing document directly in your account, and the review continues where it left off.
My account was activated, but I can't process payments. What should I do?
Check that the gateway integration was completed correctly in your store. If the problem persists, write to us at info@ronpay.ro.
Open Banking FAQ
What is Open Banking PIS?
The payment initiation service lets the customer authorise a bank transfer directly from checkout, through their bank's app.
Why are there no chargebacks?
Once authorised by the account holder, a SEPA Instant transfer is irrevocable by design.
How does automatic reconciliation work?
Every payment carries a unique end-to-end reference, which allows orders to be matched to receipts automatically.
What is AIS used for?
The account information service can verify the IBAN holder, balances and transaction data, with the user's consent.
Can I combine PIS with SEPA Direct Debit?
Yes. A solid setup uses PIS for the first instant payment and SEPA Direct Debit for the recurring payments that follow.
Answers for pharmacies and pharmacy chains
Can RONPay unify counter payments with e-commerce?
Yes. Counter, online and compatible telemedicine payment flows can be centralised into a single infrastructure.
Can it integrate with the pharmacy's management software?
Integration happens through APIs and is adapted to the management platform you already use.
How is a network of several pharmacies handled?
The dashboard provides centralised visibility and reports by location, terminal and channel.
How are transactions protected?
The solution uses tokenisation, authentication and anti-fraud controls to protect sensitive data.
Can the daily reconciliation be automated?
Yes. Transactions can be matched automatically to operational reports, reducing the manual checks at the end of the day.
Frequently asked questions about recurring payments
Can I import existing subscriptions?
Yes. Existing subscriptions can be migrated safely by transferring tokens from another provider, without asking customers for their card details again.
How does the automatic retry flow work?
When a recurring charge fails, the system makes up to 3 attempts the same day. If all fail, it retries periodically over the following days.
What happens if a card expires?
The account updater can try to refresh the card data in the vault. If the payment method still needs attention, the customer is notified.
Can I migrate without interruption?
Yes. Token migration can be supported technically, so the transition happens without any service interruption.
What happens after a subscription is suspended?
The merchant receives the customer's details and can reactivate the subscription from the dashboard or through the API.
Answers for restaurants and food service
Can RONPay unify in-restaurant and online payments?
Yes. POS, online orders, QR-code payments at the table and payment links can all be monitored in a single reporting system.
How are multiple locations handled?
The dashboard centralises transactions and lets you filter reports by restaurant, channel and period.
Are contactless payments supported?
Yes. Compatible terminals accept contactless cards and digital wallets.
How does automatic reconciliation help?
Takings from different channels are centralised, reducing accounting errors and the manual work of closing the day.
Can it integrate with ordering and POS software?
Yes. The integration is configured around the software you use and the connectors available for the restaurant ecosystem.
Answers for retail stores and franchises
Can RONPay unify physical stores and e-commerce?
Yes. In-store and online transactions can be managed in a single ecosystem and dashboard.
How is a franchise network handled?
Each location can have its own reporting, while head office gets a consolidated view of sales and settlements.
Can it integrate with ERP systems and tills?
Yes. The APIs connect payment flows with stock, invoicing, management and reporting systems.
How does automatic reconciliation work?
Payments are matched to the correct location, order and channel before being passed to your internal systems.
Can I see the performance of each store?
Yes. The dashboard can filter transactions and metrics by store, terminal, channel and period.
Answers for shopping centres and large-format retail
Can RONPay manage multiple stores and payment points?
Yes. The platform supports multi-location administration, with detailed reports by store and by terminal.
Can POS, self-checkout and e-commerce be unified?
Yes. Physical and digital transactions can be brought together into a single payment and reporting ecosystem.
How does it integrate with ERP systems and tills?
API integration passes payment statuses and references to the management and reporting systems already in use.
Are gift cards and vouchers supported?
Flows can be configured for compatible payment methods, vouchers and loyalty programmes.
How is reconciliation handled across locations?
Every transaction keeps its store and terminal references, and reports can be viewed separately or consolidated.
Didn't find your answer?
Write to us and a RONPAY consultant will come back with the details for your business.