No, you don’t need a credit or debit card until the end of your free trial. However, once your trial ends, you will need to enter a credit card if you selected one of our paid plans. If you are on the Starter plan, you don't ever need to give us a credit card number. You simply pay us a percentage of each successful transaction.
Sure! There are no contracts required to use PayWhirl (other than our terms of service). You can export your data and cancel your account anytime from within your PayWhirl account settings.
A traditional merchant account is not required to use PayWhirl. However, an account with one of our supported gateways is required to process payments.
Yes, there are several ways you can to do this within PayWhirl. For example, you can create payment plans with only one installment, or you can use our payment form embed code to sell a one time product or service. Additionally, you can add one-time charges (or recurring charges) to any unpaid invoice in your account.
Sure! When you sign up for any paid plan (pro, plus or ultimate), you’ll receive a 14-day free trial. In addition, your account will automatically be setup to use the PayWhirl Test Gateway so you can run test charges and see what everything does before connecting your live payment gateway.
Negative! On the starter plan we just take a larger transaction fee on payments that are processed with your account. All the fees on the starter plan are taken at the time of the transaction. If /when you’d like to lower your transaction fees or if you need priority support you can switch to a paid plan at anytime.
The transaction fee is the percentage you pay on each transaction that is processed by PayWhirl. In addition to our transaction fee, you will pay a processing fee to your gateway service provider (Stripe, PayPal, Authorize.net, etc.).
For example, if you are on PayWhirl PLUS your PayWhirl transaction fee would be 1.00%. If you also live in the United States and use Stripe, your default gateway processing rate would be 2.9% + 0.30¢ per transaction for credit cards. This would make your total fees 3.9% + 0.30¢ per transaction in this example.
PayWhirl supports many different payment gateway providers. If you select one of our paid plans (pro, plus or ultimate) you can use any of our featured payment gateways. We currently offer Stripe, BrainTree and Authorize.net as featured gateway integrations.
We support the following gateways for an additional fee of $10/month and $0.10¢ per transaction: PayPal, Cyber Source, Elavon, Heartland, Moneris, SagePay, Citrus, Bambora, WePay & WorldPay.
During your trial period you will have access to the entire application. All of the features will be enabled for you to use, however gateway and processing fees will still be applied to any LIVE transactions that are processed.