We’ve had a lot of great feedback over the last couple of months which really helps us to see what our users want and drives us to continue improving Paymill so that it can become the best payment solution in Europe and beyond. Please do keep sending feedback and asking us questions, we love to hear from you.

Several questions keep popping up and we want to address them clearly and in detail. The top three questions are:

  1. Why don’t you accept more payment methods?
  2. What are the reasons for being rejected by the merchant (acquiring) bank?
  3. What’s the deal with PCI DSS compliance?

Three great questions! We just try to answer those questions from you, our lovely merchants!

1. We’re working on it!

We’re working really hard to ensure that we broaden our payment method offering. Several new payment methods will be added over the coming months.

While we would love to offer additional payment methods immediately, it’s extremely important that all new payment methods that we add are extensively tested before being released. It’s also critical that any payment method we add is super easy for our clients (and their clients) to use; sometimes this takes a significant amount of work, but we’re happy to take on the task so that you don’t have to!

We know that the European payment landscape is a nightmare and we’re doing all that we can to fix this. Keep a close eye on our blog and on our Twitter account, @Paymill to be on top of the latest Paymill news.

2. Check and Double Check

With Paymill you not only receive the technical payment processing ability but also a merchant account with an acquiring bank. In short, we offer the full payment stack right up to the beautiful API. After registering with Paymill, all of our users need to submit some additional information to activate the merchant account. This is the point where application delays or rejections can occur.

The most common cause of an application being delayed is because of incomplete forms being returned to us. It’s vital that all applications are complete. The most common problems are:

  • Missing signatures
  • Missing passport copies
  • Missing company excerpts
  • Missing company address and contact information on your website
  • Missing terms and conditions on your website

Triple checking that your form is one hundred percent complete before submitting your application will greatly help to improve the chances of your application being successful. If you’re at all unsure about what you need, get in touch.

We realize that the application process can be greatly improved on our side to help to ensure that applications are complete. We are actively working on improving the submission process right now as it’s not nearly as slick as we would like it to be! Any feedback would be fantastic too!

Delays or rejections can also occur if the merchant bank considers the business to be too risky. Risk could be calculated based on credit rating or it may be that your field of business is in a category which cannot currently be accepted, for example, adult and gambling websites.

If you’re at all uncertain about whether your website may fall into a prohibited category, get in touch before spending time integrating with Paymill – we’re here to help.

We do realise that it’s incredibly frustrating to have your application denied and we’re working to improve the current situation to ensure that many more merchants are accepted.

3. We make PCI DSS easy!

Any business accepting credit cards online needs to comply with the Payment Card Industry Data Security Standard (PCI DSS).

PCI DSS is in place to make the internet safer and more secure by ensuring that the sensitive data of your customers is handled in a recognised and secure manner.

One of the beautiful things about Paymill is that we make it super easy for our merchants to be PCI DSS compliant. By using the Paymill Javascript Bridge, your clients’ sensitive data is sent directly to Paymill. The sensitive data never touches your servers and this drastically reduces the scope of your compliance requirements.

While using Paymill you’ll be PCI DSS compliant in no time! You will simply need to complete a short Self Assessment Questionnaire (SAQ). Just fill out the questionnaire, send it back and, if all is done correctly, you’ll be compliant and accepting payments!

We really hope that these we’ve helped to answer some of the top questions about Paymill. Get in touch with us if anything is unclear. We’re only too happy to help.

If you have further feedback please get in touch with us.

Your Paymill Team

Guest Blogger

This is a guest post written by one of our contributors.