FAQ – PlatformPay.io: Tailor-Made Subscription Payment Programs

📰 FAQ's

Frequently asked questions

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Your Questions Answered

Answers to Your Billing, Security, and Getting Started Questions. If you don’t see your question here, feel free to contact us here.

Our Services

01. What is PlatformPay.io?

PlatformPay.io is a service which helps online advertisers/merchants boost revenue through our innovative “Sidechain Subscription Model,” which helps earn an average of $29.72 more per customer with zero upfront costs, no extra work, and no risk to the current processing stack. We manage the setup, payment processing, and customer support, allowing you to focus on your core business while we enhance your profits through tailor-made subscription payment programs powered by AI and predictive modeling.

Our transparent subscription billing service integrates seamlessly with your existing operations, helping you boost Average Order Value (AOV) and Customer Lifetime Value (CLTV) effortlessly. With PCI DSS Level 1 compliance, we ensure secure transactions while providing bespoke services tailored to your needs. Our experienced team focuses on operational excellence and building long-lasting relationships, contributing to your business’s financial health and stability.

02. What does PlatformPay.io actually do, just payments?

PlatformPay.io goes beyond just payment processing. Our approach allows you to increase profits and grow your ad budget by encouraging customers to spend more on each transaction—all while we handle the setup, processing, and customer support.

We create tailor-made subscription services that seamlessly integrate with your existing business, boosting Average Order Value (AOV) and Customer Lifetime Value (CLTV) effortlessly. Our team of seasoned payment and marketing experts ensures secure, compliant transactions, providing you with a comprehensive solution that enhances your bottom line while allowing you to focus on growth.

03. I don't understand, how does PlatformPay.io work with my business?

PlatformPay.io works with your business by implementing our innovative “Sidechain Subscription Model,” which helps you earn more per customer with zero upfront costs, no additional work, and no processing risk. Our model allows you to increase profits and grow your ad budget by encouraging customers to spend more on each transaction—all without launching new products or altering your fulfillment process.

We take care of everything: from setup and payment processing to customer support. Our tailor-made subscription services integrate seamlessly with your existing operations, enhancing Average Order Value (AOV) and Customer Lifetime Value (CLTV). With our PCI DSS Level 1 compliance, we ensure secure transactions while managing all billing processes. Think of us as an extension of your team, dedicated to elevating your revenue growth effortlessly.

04. What is Billing Support?

Billing support encompasses a variety of services aimed at assisting with, and resolving, any queries or issues related to the billing process. This can include clarification on billing cycles, understanding charges and invoices, resolving payment issues, and addressing any discrepancies or disputes. At PlatformPay.io, our dedicated billing support team is committed to ensuring a transparent and smooth billing process for you. We are here to answer your questions, guide you through our billing procedures, and provide immediate assistance to resolve any billing concerns. Ensuring your satisfaction and trust in our billing process is our utmost priority.

05. How do your Membership Solutions work?

We offer customized membership solutions to our partners at no additional cost. Our team will create, and manage, tailored one of a kind membership programs for your customers, such as, access to a discount membership site for e-commerce merchants, or a members only newsletter subscription.

06. What is Persistent Merchant Transaction Monitoring?

To integrate your existing customers with PlatformPay.io, we can potentially introduce a low-ticket subscription based on your current CRM and gateway setup. Whether your customers need to purchase another item depends on the specific technology components you’re already using. Our team will work closely with you to determine the best approach for implementing subscriptions that fit seamlessly into your existing operations and gauge feasibly while remaining mindful of compliance requirements.

07. How else can I monetize my data with you?

In addition to introducing subscription-based revenue, our team of experienced marketers and payment professionals can provide insights and referrals to specialized firms that focus on data monetization. This includes connecting you with affiliate networks to drive front-end sales, data monetization companies for email marketing, and media buyers who can leverage customer or prospect data to create lookalike audiences for re-marketing. We can also explore potential partnerships with other merchants we work with to identify opportunities for upsells and cross-sells. We’re here to assist you with all aspects of growth and optimization, so please don’t hesitate to reach out!

08. Do you offer remarketing services?

While we primarily focus on introducing subscription-based revenue, our team of experienced marketers can provide suggestions and referrals to firms that specialize in remarketing. This includes connecting you with affiliate networks to drive more front-end sales, data monetization companies for email marketing, and independent media buyers who can utilize customer or prospect data for re-marketing through lookalike audiences. We’re here to support you in maximizing growth and optimization, so don’t hesitate to reach out if you want to make the most of your existing data.

09. What is the average life-cycle of a customer?

The average customer life-cycle is somewhat variable, but based on our experience processing campaigns over the past few years, we estimate it to be around 5.5 months. This figure is dynamic because it depends on factors such as the number of new customers and how long they are retained. For example, when a campaign is just starting, there may be a few long-term subscribers alongside a larger influx of new customers whose retention duration is still unknown. However, as time goes on, the average retention tends to increase.

10. So you create the product for me, but how do my customers receive it?

Your customers can receive access to their custom VIP or Membership area in a few different ways, depending on your preference. First, you can provide login credentials directly on the order confirmation receipt and in the email they receive, just like any standard eCommerce purchase. Second, we can email the customer separately if you prefer to create a stand-alone offer with a separate charge from the initial purchase. Third, customers can contact our customer service team by phone or email, where they will be welcomed and personally provided with their login credentials. Ultimately, how customers receive access is entirely up to you as the merchant.

11. Can I see an example of what you give customers?

Yes, we can provide examples, but we showcase them exclusively through live demos. If you’d like to see examples of VIP or Member Portals customized to different audiences and niches, you can schedule a demo at this link. Our team would be happy to walk you through how we design these portals to offer value that exceeds the monthly cost of a low-ticket subscription, tailored to your specific customer base.

12. I already heard about a similar service, why is PlatformPay.io special?

Your earnings are managed and disbursed on a weekly basis by PlatformPay.io. The particulars of the payment process, including the schedule and method, can be found here. This page provides a comprehensive guide to our payment procedures, ensuring you have all the information you need to understand how and when you will receive your earnings.

Compliance & Security

01. How secure is my data and transactions?

We take data security very seriously. We employ state-of-the-art security measures, including encryption and secure servers, to protect your data and transactions. Our dedicated compliance team regularly conducts audits and compliance checks. They stay abreast of changes in regulations like PCI DSS, PSD2, GDPR, and TCPA, ensuring that our procedures and systems are always up-to-date and compliant.

If you’re interested in learning more about our dedicated security practices, please visit here.

02. What measures do you take to authenticate customers during online transactions?

As part of our commitment to secure online transactions, we implement strong customer authentication protocols as outlined in the Revised Payment Service Directive (PSD2). This approach ensures a high level of security for our customers during online banking and payment transactions.

03. How do you ensure TCPA compliance?

In line with the Telephone Consumer Protection Act (TCPA), we have strict protocols in place for all our communication activities. This includes obtaining prior express consent for promotional calls or messages, maintaining an internal Do-Not-Call list, and promptly honoring opt-out requests.

04. What certifications do you have?

PlatformPay.io holds various third-party certifications through partners such as Kount and G2 Risk Solutions.

We also utilize Secure Socket Layer (SSL) Certificates to authenticate website identities and create encrypted connections, ensuring that customer information is kept private and secure. For businesses handling credit card transactions, we help achieve PCI compliance—an industry standard set by the Payment Card Industry Security Standards Council (PCI SSC)—and go beyond with advanced fraud protection for merchant accounts.

We support 3D Secure payment processing, a system developed by Visa to confirm the authenticity of credit card transactions between merchants and banks. We also work with MaxMind, a database that provides tools like GeoIP and the minFraud Network to identify and alert merchants of suspicious activity, further safeguarding your merchant account.

05. Are you PCI compliant?

Yes, PlatformPay.io is PCI DSS Level 1 Compliant, the highest level of certification for payment processors. PCI compliance is a set of security standards established by the Payment Card Industry Security Standards Council (PCI SSC) to protect credit card transactions. In addition to managing all billing processes securely, our merchant account fraud protection goes beyond basic PCI compliance, ensuring a highly secure transaction environment for our clients.

06. What Anti-Fraud Controls do you have in place?

PlatformPay.io implements robust fraud protection measures to ensure that merchants and their customers are safeguarded during every transaction. We protect merchants from credit card theft, fraud, and unfair chargebacks by leveraging the secure payment gateways of our acquiring banking partners.

Our anti-fraud controls include Telephone Order Verification, the Address Verification System (AVS), a Fraudulent Customer Historical Database, and customer blocking capabilities. We prioritize fraud mitigation to build trust and ensure safe, secure digital transactions for all stakeholders.

07. Since you're the PSP, does that mean you are also the underwriter of the risk as well, or does that work a bit differently for PSPs?

We underwrite the risk for every client and campaign we onboard, similar to other PSPs in the industry. During the onboarding process, we conduct standard applications to better understand the merchant, assess the risks associated with their business, and review how they acquire customers and generate sales. We also evaluate their current performance metrics before proceeding with approval or deciding to move forward with the partnership.

08. What do you do with the data?

How we use the data depends on how it’s provided and the campaign objectives. For instance, if we’re scheduling future subscriptions, the data is securely vaulted on our end and used at a future date—for example, 45 days after a customer’s initial purchase when they gain access to a VIP or Membership portal. In such cases, we keep billing credentials on file to grant access.

In other cases, we may receive a live data feed (potentially hashed) from the merchant to forecast future subscription revenue or help them monetize their data. We also help clients better understand their data using AI, identifying patterns, geographic trends, and customer behavior. This insight allows merchants to introduce new products, enhance customer loyalty, and optimize sales strategies.

09. How do we know you're not reselling the data?

We understand the importance of data privacy, and this concern is addressed directly in our data agreement. Your customers and data are the lifeblood of your business, and we fully respect and protect that. Trust is essential to our partnerships, and maintaining our reputation in the industry is critical to us.

Our focus is on generating value through low-ticket subscriptions and Members Area portals, which are our areas of expertise. We optimize retention and scale campaigns effectively, ensuring the most profitable outcome for both our clients and us—without ever compromising or reselling your data.

10. How do we make sure we're compliant?

We provide access to our in-house counsel for questions on billing compliance, best practices for recurring or subscription transactions, and data storage mechanisms. Additionally, every campaign we support includes key compliance features such as:

SSL Certificates: We ensure your website has a Secure Socket Layer (SSL) Certificate to authenticate your site’s identity and keep customer information private and secure.

PCI Compliance: PlatformPay.io helps you adhere to the security standards set by the Payment Card Industry (PCI) SSC to protect credit card transactions, going beyond PCI compliance with robust fraud protection.

3D Secure Processing: This Visa-created system verifies transactions between merchants, banks, and credit card issuers for enhanced security.

MaxMind Fraud Protection: Using features like GeoIP and the minFraud Network, MaxMind protects your merchant account from suspicious activity.

11. Is there a risk of losing processing, and losing the accrued money in the account, how is this risk covered?

For the merchants and clients we work with, there is no risk of losing or compromising your existing processing, as the low-ticket subscription is fully supported by us. Advertiser clients are also not at risk of losing accrued money from settled transactions, as reserves are released on a rolling basis every six months.

We take on the responsibility of absorbing and managing the risk. This includes underwriting the campaign, analyzing data, making necessary adjustments, and optimizing based on benchmarks and norms within our risk parameters.

12. How do you manage risk (for having some high risk clients versus low risk ones)?

We take full responsibility for absorbing and managing risk with respect to our service and deliverable, whether a campaign or client is classified as high-risk or low-risk. This process involves underwriting every campaign, analyzing data, and making necessary adjustments to optimize performance based on industry benchmarks and our internal risk parameters.

We manage risk by leveraging historical metrics, comparing them to larger data sets when available, and utilizing AI and predictive models to ensure performance stays within acceptable ranges, and using 3rd party industry standard tools. Our team of analysts continuously monitors for patterns or abnormalities, allowing us to address any concerns and mitigate risk proactively.

13. Are there legal issues in relation to this?

PlatformPay.io operates in full compliance with industry regulations and legal standards. We ensure that every subscription service, payment process, and data handling method meets the necessary legal requirements. Our compliance measures include PCI DSS Level 1 certification, which guarantees secure transaction environments for both merchants and customers. We also offer SSL certificates to authenticate websites and protect customer data.

Additionally, we collaborate with in-house legal counsel to ensure all recurring billing practices, data storage mechanisms, and subscription transactions align with best practices and applicable regulations. Our team closely monitors each campaign to maintain legal and compliance standards, minimizing any potential legal risks.

14. What happens in the event of a shut down, how is it handled?

In the event of a shutdown, PlatformPay.io has protocols in place to ensure minimal disruption to merchants and advertisers. We prioritize maintaining a smooth and transparent process, ensuring that funds for settled transactions remain secure and are not at risk of being lost. In such scenarios, our team will immediately communicate with all affected clients, providing guidance and support to navigate the situation.

We will work to resolve any issues promptly, including transferring operations, payments, or data to another compliant processor if necessary. Additionally, funds accrued from subscriptions or transactions would remain in the merchant’s account, as reserves are released on a rolling basis. Our primary goal is to mitigate risk and ensure continuity for all clients. Rest assured, any actions taken will align with industry best practices to safeguard your business interests.

Getting Started

01. How can I get started?

Getting started with our services is a straightforward process. First, contact our customer service team or fill out the form on our website. We’ll set up an initial consultation to understand your needs. After this, we’ll tailor a service package that best suits your business requirements and guide you through the onboarding process. Once you’ve accepted our proposal, we’ll guide you through the rest of the onboarding process, including setting up your account and integrating our services into your existing systems.

02. How long does it take to get started?

The timeframe for getting started varies depending on the complexity of your business needs and the specific services you’re signing up for. However, we strive to make the onboarding process as efficient and seamless as possible, and we’ll provide an estimated timeframe during our initial consultation.

03. What information do I need to provide?

The information required will depend on the services you’re signing up for. Generally, we’ll need basic information about your business, including its size and industry, as well as more specific information related to the services you’re interested in. Our team will guide you through the information collection process.

04. How does it work when I get set up? Do I have an account manager?

Yes, when you get set up with PlatformPay.io, you will have a dedicated account manager assigned to guide you through every step of the process. Your account manager will oversee the onboarding process, ensuring a smooth integration of the subscription models and other services into your existing business structure. They will work closely with you to understand your goals, provide tailored recommendations, and optimize performance.

From setting up payment systems to implementing customer retention strategies, your account manager will serve as your primary point of contact, offering ongoing support and helping to adjust campaigns as needed to maximize revenue and minimize risk. They will also be available to answer any questions you may have and provide data-driven insights to improve your subscription model’s effectiveness.

05. I have other friends / clients that could use this what should I do?

If you have other friends or clients that could benefit from our services, we’d be happy to help them get set up. Simply reach out to your account manager, who can provide a referral link or offer guidance on how to introduce them to our platform. Your account manager can also assist with scheduling a demo, where your referrals can learn more about how PlatformPay.io can optimize their revenue through subscription models, customer retention strategies, and payment solutions.

Referrals are always welcome, and we’re committed to helping new businesses seamlessly integrate and grow their revenue, just like we’ve done for you!

06. How do I get paid?

07. I have a partner, can you pay out to two people?

Yes, PlatformPay.io can accommodate payouts to two people or entities. Simply provide the necessary banking or payout details for both parties, and our team will set up the distribution accordingly. Your account manager can assist with this process to ensure a smooth and accurate payout system that meets your business’s needs.

Dashboard

01. How do I reset my login?

You can reset your login directly from the provided interface if your account has that permission enabled. If you’re having any difficulties or prefer assistance, feel free to reach out to a team member, and they’ll help guide you through the process.

General

01. How do I contact you?

You can contact us through the PlatformPay.io website by using the contact form, emailing our support team, or calling the number provided on your merchant dashboard. Your account manager is also available to assist with any inquiries you may have.

02. What industries do you work with?

PlatformPay.io works with a wide range of industries, including e-commerce, subscription services, direct marketing, health and wellness, and high-volume businesses looking to monetize data and create additional revenue streams through low-ticket subscription models.

03. How much do you usually make per customer?

On average, our clients see an additional $29.72 per customer through our subscription model. This can vary depending on the specific campaign, the nature of your business, and customer engagement.

04. Can I change my bank account?

Yes, you can update your bank account information. Simply reach out to your account manager, and they’ll guide you through the process to ensure the change is made securely.

05. How often does your system update?

Our system updates in real-time every five minutes. All transactions, subscriptions, and data analytics are reflected in your dashboard as they occur, giving you up-to-date insights into your business’s performance.

06. Do you keep a reserve?

Yes, reserves are kept to manage risk and are typically released in a rolling fashion every six months. The reserve amount varies depending on the risk profile of the campaign.

07. Do you accept crypto?

At this time, PlatformPay.io does not accept cryptocurrency for payment processing.

08. Do you payout in crypto?

We currently do not offer payouts in cryptocurrency. All payouts are processed in standard fiat currencies through traditional banking methods.

09. Can you pay me out as a CPA instead?

Yes, we can adjust the payout method depending on your needs. If you’d prefer a cost-per-action (CPA) model, discuss the details with your account manager, and we can tailor the solution accordingly.

10. Do you do 3DS?

Yes, PlatformPay.io supports 3D Secure (3DS) payment processing, providing an additional layer of security for online credit card transactions by verifying the cardholder’s identity with the card-issuing bank.

11. What reductions in fees can you do depending on my volume?

PlatformPay.io offers tiered fee structures based on volume and after a dedicated account review with our internal team. As your transaction volume increases, we can provide fee reductions accordingly. Speak with your account manager to review your specific case and discuss potential savings.

12. Where can I find my statements?

All statements, including transaction reports and reconciliation documents, are available directly within your merchant dashboard or referral partner dashboard as the case might be. If needed, your account manager can help guide you to the appropriate section of the dashboard.

13. Can I see an example of your report?

Yes, examples of our reporting are available during a live demo. You can schedule a demo with us through the PlatformPay.io website to see detailed examples of the types of reports we provide.

14. Can I see an example of your deliverable?

Absolutely. We offer examples of our deliverables, including membership portals and subscription models, during live demos. You can book a demo at PlatformPay.io, and our team will walk you through the customized solutions we offer.

15. Can I see an example of your reconciliation statement?

Yes, reconciliation statements are part of our reporting. Schedule a demo with our team, and we’ll provide you with a clear example of what a reconciliation statement looks like for your business.

16. What is the QBR that you do?

Our Quarterly Business Reviews (QBRs) are in-depth meetings where we review the performance of your campaigns, discuss optimization strategies, analyze growth opportunities, and ensure that everything is aligned with your business goals.

17. What if my competitor is using you, what happens?

PlatformPay.io maintains confidentiality and operates with integrity. Your data and campaigns are handled independently, and we ensure there is no overlap or conflict of interest between you and any other clients, including competitors.

18. What is the difference between the customers, and rebills in the dashboards?

19. What is the difference between the processed & settled transactions?

“Processed” transactions refer to payments that have been authorized, while “settled” transactions are those where the funds have been fully transferred to your account. Settlement typically occurs within a couple of days after the transaction is processed.

20. I can do this myself, why do I need you?

While you could manage some aspects of subscription models and payment processing on your own, PlatformPay.io provides an all-in-one solution that simplifies the process, reduces your workload, and optimizes results. We handle everything from setup, processing, and compliance to customer service, allowing you to focus on growing your business without the additional risk or operational burden.

Ready to Enhance Your Conversions & Subscriptions?

Contact us today to discover how our payment conversion and subscription optimization services can elevate your business growth.