Frequently Asked Questions

What is a payment service provider?
NOIRE is a payment service provider. In order to take card payments online, we integrate our payment gateway on to your website. We also provide internet merchant accounts for straight through processing of customers payments to your account.
What makes us different from an eWallet?
An eWallet is, as its name suggests an electric wallet. This creates an extra step in the customers experience when trying to buy something from your site. With NOIRE, your customers don’t need to set anything up, they shop as normal online through your payments page.
What is a payment gateway?
A payment gateway is the technology that communicates in real time your customers payment details between the acquiring bank and  the customers card issuing bank. It sends the encrypted card details securely for authorisation. The bank either authorises or declines the card and the payment gateway transmits this information back. The NOIRE gateway has the highest card industry security standards having  PCI level 1 compliance.
Can I accept payments over the phone from customers?
Yes, NOIRE provides a virtual terminal to accept telephone orders.
How much can I expect to pay per transaction?
Pricing is a fixed transaction fee plus a processing fee. These fees are based on volumes and business model. NOIRE provides competitive rates, we will look to match or beat any offer in the market.
What fraud risk protection included?
NOIRE provides many fraud risk rules which are configured depending on business requirements.
Is NOIRE’s payment gateway easy to integrate?
We provide simple to follow steps and code examples for integration into your payments page. Integration can be completed and tested in minutes. Technical assistance is provided.  NOIRE enables a seamless user experience between you and your customer when taking payments.
Is Integration support offered?
We will advise you on the best way to integrate our payment gateway and offer support throughout the integration process.
Will NOIRE’s payment gateway work with my chosen shopping cart?
Yes, NOIRE’s payment gateway integrates with any shopping cart software.
What payment options are available?
NOIRE has global coverage with over 220 localised payment options. Such as Visa, MasterCard, American Express, CUP, CarteBleue, CarteBancaire, CahsU, GiroPay, Maestro, Paytrail, Visa electron, VPay and many more.
What is PCI DSS?
PCI DSS, or the Payment Card Industry Security Data Standard, is a worldwide standard, a set of 12 rules that any business, no matter how large or small or online or in a physical store, who accepts credit and debit cards must adhere to. These rules were set up to help businesses process card securely, reduce card fraud and to protect customer’s sensitive data.
More on PCI DSS

What about my business’ PCI DSS compliance requirements?
We make it easy for your business and guide you on this. By processing through NOIRE you are compliant straight away.
More on PCI DSS
What is an Internet Merchant Account?
An Internet Merchant Account allows for straight through processing of customers card payments to you. This means you have faster access to your money.
Why get an Internet Merchant Account from NOIRE?
NOIRE provides advanced gateway technology, best merchant accounts for your business and experienced dedicated payments support in one package.
Can a merchant considered high risk have an Internet merchant account?
Yes. High risk merchants are welcome to apply for accounts. However we do not provide merchant accounts to some business models. Please see our list of excluded business models and restricted products list.
Is multi-currency processing available?
Yes. You can take payments from anywhere in the World in any currency and have them settled to you in any of the major 15 currencies. You can also be settled like for like avoiding exchange rate fluctuations.
What is the settlement time?
Typically daily, twice a week, weekly or monthly. This is dependant on business size.
What are application fees for an NOIRE merchant accounts?
There are no application fees for NOIRE merchant accounts however usually there is a setup fee.
Do you process for digital content, virtual goods and download products?
Yes. MMOG, music, video, and online entertainment companies are welcome to apply
Do you process for products that are shipped?
Yes.
What is a rolling reserve?
Standard reserves are between 5-10% based on risk and size of the business.
Is online reporting available?
Yes. All our reports are available online and in real time easily accessed via a secure merchant account login.
What will I need to apply?
Take a look at our Get Started Guide here.