By default, all accounts have access to our test mode. To get a live account and receive actual transactions, a few documents must be submitted online for approval.

Merchants are charged the standard Omise fee for accepting internet banking payments. That is 3.65% per transaction + 7% VAT.

To improve security we store all sessions with an IP address and user agent. While you are logged in, we create a new unique session for you. This session can be cancelled (revoked) at any time.

Recurring billing (also known as subscription payments) can be achieved easily using the [Schedule API](https://www.omise.co/charge-schedules-api), or manually setting up a charge schedule on the dashboard.

When the cardholder receives their card statement at the end of the billing cycle, your statement name will appear as `OPN*XXXXXX` where the XXXXXX is your unique identifier (merchant).

Card pre-authorization is commonly referred to as pre-auth. You can think of it as a pre-approval process to ensure that the customer is using a valid credit card.

It’s simple to transfer money from your Omise account to a connected bank account. There are two ways you can do this. You can either implement the [Transfer API](https://www.omise.co/api/transfers.html) or set up a transfer through your dashboard.

Automatic payouts are powered by the Schedule API. You can set up transfer schedules through your Omise dashboard.

Charges can get declined for multiple reasons.

Refunds are the processes by which money is given back to your customer. They can be created by an [API call](https://www.omise.co/refunds-api), or directly via the Dashboard with a single click of a [button](https://www.omise.co/refunding-charges).

The Payment Card Industry Data Security Standard (PCI DSS) is a proprietary information security standard for organizations that handle branded credit cards from the major card brands including Visa, MasterCard, American Express, Discover, and JCB. Private label cards – those without a logo from a major card brand – are not included in the scope of the PCI DSS.

Omise provides 2 sets of API keys, each set contains a public key and a secret key.

The Omise Dashboard offers a central location for business owners and team members to access payment information, carry out day-to-day operations, and configure your Omise account.

Advanced search allows you to combine multiple search parameters for smaller and more precise search results. You can use advanced search to narrow down your search to dates, charges, filter transactions from specific time periods and much more.

Omise charges you per transaction. Aside from the transaction fee, VAT is applied on top of that. With Omise, there are no upfront fees, fixed costs, or monthly minimums. You can start and stop using us anytime at no extra charge.