4Geeks Payments FAQs
This FAQ addresses common questions about 4Geeks Payments. Use the table of contents to navigate to specific topics.
General Questions¶
What is 4Geeks Payments?¶
4Geeks Payments is a Merchant of Record (MoR) solution designed for SaaS businesses. It allows you to accept payments from customers worldwide while handling tax compliance, fraud prevention, and payout processing – so you can focus on building your product.
What does “Merchant of Record” mean?¶
As the Merchant of Record, 4Geeks Payments is the legal entity that sells your product to the end customer. This means we handle tax compliance, VAT, regulatory requirements, and chargeback liability across all jurisdictions where you operate.
What can I do with 4Geeks Payments?¶
- Process charges – one-time and recurring payments
- Create payment links – shareable checkout pages for social media, email, or WhatsApp
- Manage customers and products – catalog and buyer management
- Handle refunds and disputes – full lifecycle support
- Set up subscriptions – recurring billing with flexible intervals
- Receive payouts – predictable earnings on a regular schedule
- Use plugins – out-of-the-box integrations like WooCommerce
Who is 4Geeks Payments for?¶
4Geeks Payments is built for SaaS businesses that need to: - Accept global payments in multiple currencies - Manage subscriptions and recurring billing - Offload tax compliance and regulatory requirements - Reduce fraud and chargeback risk
Is 4Geeks Payments a payment gateway?¶
4Geeks Payments is more than a payment gateway. As a Merchant of Record, we handle the entire payment lifecycle including tax compliance, fraud prevention, chargebacks, and payouts – not just transaction processing.
Can I accept payments from customers worldwide?¶
Yes. Your business can receive payments from customers worldwide, but you can only receive payouts in supported countries.
Do I need a merchant account to use 4Geeks Payments?¶
No. 4Geeks Payments acts as the Merchant of Record, so you don’t need your own merchant account. We handle the merchant relationship with payment processors.
Pricing and Fees¶
How much does 4Geeks Payments cost?¶
Setting up and using 4Geeks Payments is free. You only pay a processing fee when a customer makes a successful payment.
What is the processing fee?¶
The processing fee for all supported countries is 5% + $0.50 USD per successful transaction.
Are there any additional fees?¶
- VAT may apply in some countries
- 1% additional fee if currency conversion is required
- No setup fees, no monthly fees, no hidden charges
Is there a free sandbox environment?¶
Yes. The sandbox environment is free, unlimited, and has no expiration date. You can test your integration thoroughly before going live.
How do I view my pricing for my specific country?¶
Because we are constantly expanding our reach, we recommend checking the official 4Geeks Payments pricing page for the most accurate and detailed rates for your country.
Getting Started¶
How do I activate 4Geeks Payments?¶
- Log in with your 4Geeks account
- Go to Settings > Account Activation
- Select your company’s country
- Provide business information and bank account details
- Complete phone verification
- Wait for approval confirmation via email
What legal entities are supported?¶
We support the following legal figures: - Company / Legal entity - Individual / Natural person - Non-profit entity - Government entity (U.S. only)
How long does activation take?¶
In most cases, review is instant. For some regions, the validation process can take 2-5 days once all correct documents have been received.
What documents do I need to provide?¶
| Individuals | Legal Entity |
|---|---|
| Identity card | Identity document of the legal representative |
| Tax ID number |
Can I change my company country after activation?¶
No. Once confirmed, you cannot change the company country. Make sure to select the correct country during setup.
What is “Proof of Automated Delivery”?¶
Because 4Geeks Payments acts as your Merchant of Record, we require Proof of Automated Delivery for all digital products before account approval. You must demonstrate that your system automatically issues access (e.g., a license key, download link, or account creation) immediately upon successful payment, without manual intervention.
Is merchant account approval guaranteed?¶
No. We consider multiple factors when reviewing merchant accounts, including business history, product type, credit history, location, and payment methods. We do our best to approve accounts that meet our requirements, but approval is not guaranteed.
What happens after my account is approved?¶
Once approved, you will receive an email confirmation (check spam box if necessary). A new production API Key is generated, which you can copy from Settings > API Keys.
Supported Countries and Currencies¶
Which countries are supported for payouts?¶
We support payouts to bank accounts in 80+ countries across Latin America, the USA, Europe, Asia, and Africa.
See the full list of supported countries
What currencies are supported for deposits?¶
We support multiple currencies depending on your country. Common currencies include USD, EUR, GBP, and CAD.
Can I receive payouts in my local currency?¶
Payout currency depends on your country configuration. Some countries receive deposits in their local currency, while others receive USD or EUR.
Can I accept payments in multiple currencies?¶
Yes. Customers can pay in their local currency, and we handle the conversion. A 1% fee applies for currency conversion.
Payments and Subscriptions¶
What payment methods are supported?¶
We support major credit and debit cards. Payment links also provide a shareable checkout experience that works across social media, WhatsApp, and email.
How do I process a charge?¶
Charges can be processed via the API or through the console. You can process one-time charges or set up recurring payments.
How do subscriptions work?¶
4Geeks Payments supports recurring billing with flexible intervals. You can: - Create subscription plans with different billing cycles - Offer a self-service customer portal for plan changes and cancellations - Manage trial periods and proration
Learn more about subscriptions
What is the customer portal?¶
The customer portal is a self-service interface where your customers can: - View their subscription details - Update payment methods - Change plans or cancel subscriptions - Access billing history
Learn more about the customer portal
How do payment links work?¶
Payment links are shareable checkout pages that you can send via social media, WhatsApp, or email. Customers click the link and complete payment without needing to visit your website.
Learn more about payment links
How do I manage customers?¶
You can manage customer information, payment methods, and transaction history from the console or via the API.
How do I manage products?¶
Products can be created and managed from the console or API. Products are used to organize what you’re selling and can be linked to charges, subscriptions, and payment links.
Payouts¶
How often do I receive payouts?¶
Payouts are processed on a predictable schedule. You can view your payout history and manage financial reporting from the console.
Where do payouts go?¶
Payouts are deposited into the bank account you provided during activation, in the currency configured for your country.
Can I track my payouts?¶
Yes. You can view payout history, pending payouts, and earnings reports from the 4Geeks Console.
How do I update my bank account for payouts?¶
Contact support to update your bank account information. Bank account changes may require re-verification.
Refunds and Disputes¶
How are refunds processed?¶
You can issue refunds directly from the console. Refunds are processed through the same payment method used for the original transaction.
How are disputes and chargebacks handled?¶
As the Merchant of Record, we handle customer disputes, process refunds, manage chargebacks, and assume liability for them (including financial responsibility for losses).
Can I dispute a chargeback?¶
Yes. We work with you to gather evidence and submit disputes on your behalf. Contact support as soon as you receive a chargeback notification.
Security and Compliance¶
Is 4Geeks Payments PCI DSS compliant?¶
Yes. 4Geeks Payments is fully PCI DSS compliant, ensuring that all transaction data is handled with the highest security standards.
How is fraud prevented?¶
4Geeks Payments includes built-in fraud prevention tools to protect your revenue, including risk scoring, monitoring, and chargeback prevention.
Learn more about fraud prevention
What is 3D Secure?¶
3D Secure (3DS) is an authentication protocol that adds an extra layer of security for online card transactions. It helps reduce fraud and improves transaction approval rates.
How is my data protected?¶
We use industry-standard encryption and security protocols to protect your data and your customers’ financial information.
Plugins and Integrations¶
What plugins are available?¶
We currently offer a WooCommerce plugin ready to install. More integrations are coming soon.
How do I set up the WooCommerce plugin?¶
See the WooCommerce plugin documentation
How do I integrate with my website?¶
You can integrate 4Geeks Payments using: - No-code tools like payment links - Plugins for platforms like WooCommerce - REST API for custom integrations - Client libraries for Ruby on Rails, Python, .NET, and Go
Where can I find API documentation?¶
API Reference documentation covers all available endpoints with examples.
Troubleshooting¶
My merchant account was not approved. What now?¶
Contact our support team to understand the specific reason for rejection and what steps you can take to reapply.
My payout has not arrived. What should I do?¶
- Check your payout status in the console
- Verify your bank account details are correct
- Allow for standard processing time
- Contact support if the issue persists
A customer’s payment was declined. What can they do?¶
- Verify the card details are correct
- Ensure the card supports international transactions
- Try a different payment method
- Contact their bank to authorize the transaction
I lost my API key. How do I recover it?¶
Go to Settings > API Keys in the console to view your API keys. If you need to regenerate a key, contact support.
My sandbox works but production doesn’t. What should I check?¶
- Ensure you’re using production API keys (not sandbox keys)
- Verify your account is approved for production
- Check that your business information is complete
Support¶
How do I contact support?¶
- Email: support@4geeks.io
- In-Console: Click the ? icon in the bottom right corner
- Documentation: 4Geeks Payments guides
- Community: community.4geeks.io/tags/payments
What information should I provide when contacting support?¶
- Account ID or company name
- Description of the issue
- Transaction ID (if applicable)
- Screenshots or error messages
- Urgency level
What are support hours?¶
Standard support is available Monday-Friday, 9 AM - 6 PM (your timezone). Email response within 24 hours.
Still questions? Ask the community or explore tutorials