Find answers to common questions about Virtual Transfer
Creating an account is easy! Simply click the "Sign Up" button, fill out the registration form with your business information, and complete our verification process. Once approved, you can start processing payments immediately.
Most applications are reviewed within 24-48 hours. For faster approval, ensure you provide complete and accurate information during registration. Some businesses may require additional documentation for verification.
Typically, we require a government-issued ID, proof of business registration (EIN or business license), and a voided check or bank statement to verify your bank account. Additional documents may be requested based on your business type.
Settlement times depend on your plan: Starter accounts receive funds in 2-3 business days, Growth accounts in 1-2 business days, and Enterprise accounts can qualify for same-day settlement. Your first few transactions may have longer hold periods for risk assessment.
Virtual Transfer supports all major credit and debit cards (Visa, Mastercard, American Express, Discover), ACH bank transfers, and popular digital wallets including Apple Pay, Google Pay, and PayPal.
Yes! We support international card payments from customers worldwide. International transactions incur an additional 1% fee on top of standard processing rates. Currency conversion is handled automatically.
A chargeback occurs when a customer disputes a transaction with their bank. When you receive a chargeback notification, you can submit evidence to dispute it through your dashboard. We charge a $15 fee for each chargeback, regardless of the outcome.
Yes, Virtual Transfer is fully PCI DSS Level 1 compliant, the highest level of security certification in the payment industry. We handle all sensitive card data so you don't have to worry about compliance requirements.
We use advanced machine learning algorithms to analyze transactions in real-time, detecting and blocking suspicious activity. Our fraud protection includes 3D Secure authentication, address verification (AVS), and customizable fraud rules.
Absolutely. We use bank-level encryption (AES-256) for all data at rest and TLS 1.3 for data in transit. Our infrastructure is hosted in SOC 2 certified data centers with 24/7 monitoring and regular security audits.
No! We believe in complete transparency. The rates shown on our pricing page are exactly what you'll pay. There are no setup fees, no monthly fees for Starter plans, and no cancellation fees.
Yes! Businesses processing over $100,000 monthly may qualify for custom rates. Contact our sales team to discuss volume pricing options tailored to your business.
No long-term contracts required. Our services are month-to-month, and you can cancel at any time without penalties. Enterprise plans may have custom contract terms.
Yes! We offer a comprehensive REST API that allows you to integrate payment processing directly into your applications. We also provide SDKs for popular programming languages including Node.js, Python, PHP, and Java.
Virtual Transfer integrates with all major e-commerce platforms including Shopify, WooCommerce, Magento, BigCommerce, and more. We also offer plugins for popular content management systems.
Yes, all accounts include access to our sandbox environment where you can test integrations and payment flows without processing real transactions. Test card numbers and scenarios are provided in our documentation.
You can update your bank account information from your dashboard under Settings > Payouts. For security purposes, changes to bank accounts may require additional verification.
Yes, Growth and Enterprise plans support multiple users with role-based permissions. You can invite team members and assign them specific access levels from your account settings.
To close your account, contact our support team. Please ensure all pending transactions have settled and there are no outstanding chargebacks or fees before requesting account closure.