Cart Pay is extremely transparent with its terms & pricing. They do not lock your merchant accounts & neither lock away your away into your contracts with an early termination fee. The amount of integration Cart Pay offers is incredible.

1. Cart Pay Solutions
Overview
Cart Pay was founded in 2012 by a few brilliant minds in United States. This payment gateway company
has since then become the default mode of payment for a large number of business owners, the
entrepreneurs worldwide. It has thus become one of the most widely accepted payment gateway for
merchants.
Utilizing Cart Pay’s services is definitely a no brainer. It is exceptionally easy to setup and use. Cart Pay
has a varied merchant services division that allows businesses & industries of all the sizes to accept
credit/debit card payments, much like the usual merchant account.
Cart Pay is extremely transparent with its terms & pricing. They do not lock your merchant accounts &
neither lock away your away into your contracts with an early termination fee. The amount of
integrations Cart Pay offers is incredible. Merchants can be assured that Cart Pay will assist you in the
transaction process, whether you are using a shopping cart of any retail stores, account applications,
etc. For merchants who are wishing to use an easy way to accept online payments, Cart Pay offers a
basic setup process with countless advantages over other payment gateways.
One of the best things about Cart Pay is that their sales are extremely upfront. All of their rates for the
respective plans, as desired by the merchants are descriptively listed, so there is no hidden agenda in
their policies.

2. Following are few of the positives we noticed in the reviews that we read & thus, we are including them
in our own review:
 Widely Accepted: Cart Pay has a large base worldwide with a reach to over 120 countries
coupled with more than 85 payment types; thereby making it a reliable & trustworthy payment
source for everyone, on a very large scale, globally.
 Easy Setup: A large number of entrepreneurs rave about how easy it is to setup a merchant
account with Cart Pay.
 Multiple products & services: Cart Pay offers you almost everything one needs to process online
or mobile payments. Example: payment gateway, virtual terminal, recurring billing, IVR
payments, international accounts, net banking, etc.
 Transparent pricing: What you see is what you usually get at Cart Pay, so there is a high level of
transparency.
 Flexibility: With the growth of your business, Cart Pay also assists you in growing by making it
easier to scale up. So, if you increase your amount of transactions, Cart Pay will assist you in
getting better discount rates.
Cart Pay currently exists in various continents, including: United States of America, United Kingdom,
Europe, etc. with presence in more than 26 countries. This makes Cart Pay a global player in the
payment processing. The interactions with the merchants are carried out either face to face, online, or
via phone by the use of MOTO terminals, which are Mobile Order, Telephone Order and VT, which is
Virtual Terminal. More than 35,000 clients have been operated by Cart Pay since its inception.
The high risk payment gateway solutions by Cart Pay has been recognized for carrying out high amount
of payment acceptances with multi-currency, as well as multi lingual processing for a humongous variety
of cards like: Visa, Maestro Card, Diner Card, American Express, JCB, Master Card, etc.
Other advantages of Cart Pay include super secure environment, with following characteristics:

3. Security
 Cart Pay offers high level of security, with all transactions being PCI – DSS compliant, which is a
standard called Payment Card Industry Data Security Standard that ensures transactions occur in
a safeguarded environment.
 All the transactions are 3D Secure Transactions; this protects the payment processing from
frauds & intrusions.
 An interactive IVR payment system, called Interactive Voice Response system which transacts
the entire transaction process, by authorizing a given transaction.
 A secure manual voice verification system that filters out & records by carrying out extensive
manual verification of all the transactions.
These ultra-secure features make the process of making transactions via Cart Pay an unbelievably easy
task, thereby making the payment processing as smooth as it is feasibly possible.

4. Services
Not only Cart Pay offers a safeguarded environment for the transactions to take place, but also it offers
a variety of products & services to choose from, which assist the merchants to make the transaction
process easy, as well as acts as an efficient payment gateway. Following are few such features that make
way for perfect payment processing:
 Low MDR: Cart Pay offers a very low and economical Merchant Discount Rate for its merchants
in the payment industry.
 Robust system: The processor of Cart Pay is robust, as it is capable of carrying out more than
500 online transactions in one second and that too simultaneously.
 Short Approval Process: Cart Pay has an extremely simple and short approval process, as it just
takes 3 business days for getting a merchant account approved. This is obviously dependent
upon the subject to availability of the relevant documents required during the time of approval.
 Payment Cycle: The payment cycle of Cart Pay is well suited for low risk merchants as well as
high risk merchants. For low risk merchants it occurs daily, whereas for high risk merchants it
occurs weekly.
Cart Pay services are not just limited to above mentioned services, but it also includes other services
like: Multi Channel Payments. This exclusive service processes the merchant’s sales through face to face
interactions, or online as well as phone interactions. In cases where the merchants do not have their

5. customers with them, Cart Pay has the ability to provide Virtual Terminal payment solutions. This helps
you out to process the card sales diminishing any scope of hassles.
Cart Pay also offers an extensive solution for businesses that are completely reliant on emails &
telephone calls. So, there is a provision for such businesses via MOTO, which is an abbreviated form of
Mobile Order Telephone Order. This terminal is very much reliant on emails as well as calls to process
enormous amounts of sales.
Chargebacks & other payment related anomalies are also handled quite capably by Cart Pay, so there
are minimal chargebacks, with smooth payments for the transaction process.
It would not be wrong to label Cart Pay as a leading payment gateway brand providing great payment
gateway solutions for various businesses, including e-commerce. Cart Pay thus partners with all the
kinds of businesses across the entire globe to increase their overall efficiency of making online sales. So,
whether you are just starting out & establishing a start-up, or you are already working for a globalized
business, you can simply take an advantage of the efficient technology & the robust system by Cart Pay.
So, Cart Pay:
 Serves no halt in its services, thereby providing a 24/7 open business environment, so they can
be contacted whenever it is required by the merchants to need any help.
 Simplifies the payment processing system.
 Operates in more than 120 countries by providing them payments support, thereby making it
reliable.
 Has a world class customer service, and has an easy setup process.
Also, they are very active on social media platforms like: Twitter, Facebook, LinkedIn, etc. which makes
them stand out of the crowd, as they are keeping up with the new era of technical aspects of social
media.
The Final Verdict
Cart Pay is a good payment option to choose for your default payment gateway transactions. Account
set-up is really quick, fast, easy to use, & it is widely accepted. So, whether you are new to a business
that is, an entrepreneur, or you are an old business player, and you need to accept payments quickly,
but in a secure manner, then you can choose Cart Pay as your default payment gateway.
Hence, in a nutshell, we can conclude that Cart Pay is a well trusted name in the payment gateway
industry. They can be completely relied upon for the transaction process to take place.