Collins Pay & Card Authentication FAQs

How long does it take for us to get the money on Collins Pay?

If you are using the API Collins Pay (Option 1), the money, when taken from the client, goes straight into your account. If you are using our Collins Pay (Option 2) the money takes 1-2 working days to appear in your account. (Options can be found here http://www.collinsbookings.com/pay)

If you hold the money on Collins Pay Option 2, is it all secure?

Yes, we use secure client bank accounts for Collins Pay. While the money is taken by DesignMyNight, we have no access to the funds in these accounts. Our automated system then fires off the funds to your bank account(s) within 1-2 working days.

Do we get charged for using the card authentication system?

To authenticate your client's card is a completely free service within Collins. If you do then need to claim the money from your client, there is a transaction fee applied for taking the money from the client's account and putting it into your account. Fees can be found here http://www.collinsbookings.com/pay.

How quickly do we get the claimed money from a card authentication?

For claimed money from a card authentication, we will include these in our normal Collins Pay bank transfers.

If you are using the API Collins Pay (Option 1), the money, when taken from the client, goes straight into your account. If you are using our Collins Pay (Option 2) the money takes 1-2 working days to appear in your account. (Options can be found here http://www.collinsbookings.com/pay)

Do you put a shadow on our clients' cards with card authentication?

No, there is no shadow and the funds aren't held. Our system checks that the card belongs to the holder, does a risk check and checks they have the funds available. If the client does close their card/account, you would not be able to claim the money.

The customer can see on their app that payment has been taken, but we never received it?

If the customer used an app-based mobile bank card to pay (e.g Monzo, Revolut, Starling etc) and the payment was not successful, the payment may initially still appear as having left the account (some banks do not have a 'pending transactions' section but show all payments pending or confirmed in the same transaction list.) If the payment has not been taken, the record will either automatically update or disappear from the transactions list after a short period of time. If this has not happened after a few days and the payment still remains, please contact your online bank directly.

With Collins Pay and card authentication, who holds the card details?

We use Stripe, a secure payment system, to run both. Therefore, neither you nor we get access to the card details. These are securely stored in Stripe's cloud. The card details are stored for up to 3 months by Stripe.

Are both systems PCI compliant?

Yes, they are both fully PCI compliant. WFL Media LTD T/A designmynight.com has a PCI compliance certificate issued by World Pay. See guide for more details on this.

What happens if the customer emails their card details to us?

Collins will automatically mask any emails containing a valid card number - See guide.

What security is involved when a customer makes a payment or authentication?

When a customer makes a payment or authentication, various checks will be made on the card, including; Card Verification Code Check CVC (also referred as CVV) & Address Verification based on the postal code. If the postal code given does not match the postal code that the card is registered, the customer will be taken through 3D Secure. This allows the customer's bank to make the decision on whether the payment will be allowed or declined.

How do we reconcile our Collins Pay accounts?

For claimed card authentications, you will get statements sent to you. For Collins pay transactions, there is a full report you can pull within Collins in the Reports section > Collins Pay Payments.

How do the Collins Pay funds appear in our bank account?

We do daily bulk transfers of the funds. These will appear in your account from WFL Media LTD. In your Bank Transfers report in Collins, it will break the payment down by customer ref for you, so you can see the make up of the transfer.
  



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