Overview of PayMoney
- It is very difficult to remain thousands of miles away from the people you love & care a lot. But it should not be difficult to send money to your nearest & dearest ones. Hopefully, it will be easier now with PayMoney. PayMoney is an online payment gateway that ensures smooth and secure transaction from the pre-payment to the pay-out process.
- PayMoney is a much simpler & convenient way to send money online rather than going to bank or other ways. Just follow the PayMoney documentation to get started.
- It will help to keep your account more secure & reliable. Enjoy safe online payments through PayMoney. This system is similar to larger payment services like PayPal or Stripe.
- You can deposit money in few minutes with multiple currencies and multiple payment gateways like PayPal, Stripe, CoinPayments and much more.
- The main features of the application – Deposit, Payout, Transfer, Exchange, Request Payment, Ticketing system, Revenues, Merchants, Merchant Payment etc. If a user has any claim against any payment, he/she can claim to the defendant using Dispute.
Demo Site info:
Stripe credentials (Deposit)
Card number : 4242424242424242
MM/YY : 12/29
CVC : 123
PayMoney Android Mobile APP:
Registered users can make deposit into payMoney. With our system payment methods, user can do deposit. User can select in which Wallet they want to deposit the amount.
It is possible transfer money to any registered or unregistered users. Unregistered users can see their money once they signup. Admin can block, refund for any illegal issues.
Registered users can request money to any Registered or Unregistered users. Request receiver has the option to approve the request or cancel it.
By pay Money, user can exchange any currency ‘From wallet’ to ‘To wallet’. Can set exchnage type as Local/API. Based on each currency exchange rate, amount will be converted and added on user wallets. Admin can see details about exchange in Currency Exchange.
Currently, we have 7 payment methods to deposit money – PayPal, Stripe, 2Checkout, PayUMoney, Coin Payments, Bank & Payeer. From Currencies->Payment method, admin can activate/deactivate payment methods.
Easily withdraw money from accounts. PayPal /Bank, how you want to payout your money? You have to set the Bank detailsin settings at first or, if it is PayPal just put your PayPal email address to payout money.
Fixed amount charge & charge percentage is revenue in PayMoney system.For transaction typeseach currency, admin can set few amount of charges from fees that will separately show in Revenues in admin panel. Only admin can see revenues.
Roles & permissions
As owner of this site you can add other user as admin providing permission to specific role.
Admin can add default group for site users. For group users, admin gives specific permission to each group.For example, Users may apply to be Merchant and admin can change his group to Merchant providing extra permission.
From settings-> preferences, admin can set Time zone, Date format, Money symbol, Thousands separator.
Admin can see each users login activity from activity logs.
Fees & Limits
Fees & Limits are the combination of currency and payment methods (Deposit, Transfer, Payout, Request payment & Exchange.). Fees are applicable as charge percentage & charge fixed where limit is the combination of minimum limit & maximum limit.
User can create merchants via this system. We have two types of merchant- Standard & Express.
In PayMoney Standard type user can create merchant and generate merchant payment form. By this form user will get the pay now option & do payment to merchant.
PayMoney Express Checkout gives your buyers a simplified and secure checkout experience using API that keeps them local to your website or mobile app throughout the payment process.
User can contact with merchant through Dispute option if user have any claim about their product. Administration can take action (Approved or Reject) discussion on both parties.
Ticket system is better way to dealing with customer about their issues where user can report or ask questions on various issues. If you have trouble with the site or program, you can use this option as help.
Email Templates & settings
To send mail we have dynamic email template which is changeable too. If you want you can change the template. It also supports multiple languages. We have two E-mail sending protocols. You can send an email via SMTP and another one is the default, send mail option.
2FA is an extra layer of security used to make sure that people trying to gain access to an online account are who they say they are. It is used to control access to systems and data from hackers. 2FA is allowed for By email, By Phone & By Google Authentication.
By email & phone: When you verify for email, a 6-digits code will be send to your email to verified your eamil address. By phone, verification process is same as email processing system.
By Google Authentication: Set up google authenticator app into your mobile phone before continuing, otherwise you will be unable to verify. Then scan QR code from your systems via phone & enter the 6-digit OTP from your app.
Email verification services help you to portect your account.This process is helpful to confirming that an email address is valid or not. System automatically send a verification code to the email address used to sign up for the account.
Manual Deposits & Payouts
Manual Deposit can possible by payMoney system. Admin can manually Deposit/payout for any individual users.
Know your customer (KYC)
It is the process of knowing your customers. It helps to verify the identity of any clients either before or during the time you start the business with them. KYC allows companies to protect themselves by ensuring that they are doing business legally or not, and it also protects the individuals who might otherwise be harmed by financial crime.
There are two types of verifications-
- Address verifications
- Identity verifications
Address verifications: Go to user profile and upload appropriate file for address verification. If admin approves it, it will display ‘Address verified’ in users list in admin panel and also in user profile in user panel.
Identity verifications: At first, from user panel select the identity type & provide your necessary credentials. When admin approves the user identity, it will show ‘Identity Verified’ in users list in admin panel and also as in user profile.
During each transaction admin will get email as transaction notification. Admin will be able to set individual admin email for individual transactions types (Deposit, Send, Request, Payout, Exchange, Payment).
To receive email notifications, admin must configure the notification settings from notification settings option. Admin can assign anyone (set email) for each transaction type.
User Status Change: Admin can change user status to Active/Inactive/Suspend.
Active: Users can do all types of activities from his/her panel.
Inactive: Users can’t login to the system. While going to login into the system a message will appear to the user that he/she is inactivated.
Suspend: Users will be able to login to the system, but they can’t do any type of transactions (Deposit, Send Money, Request payment, Exchange, Payout, Merchant payment)
Send/Request Money via Phone number
User can Send/Request money via user phone number ( Registered or unregistered users). While transferred amount or send request to user phone number, user get sms on their mobile number.
WooCommerce Plugin Settings
Go to Settings-> Enable Woocommerce, put the woocommerce plugin purchase code. After verification, if the purchase code is valid admin can upload the woocommerce plugin file.
New Released Features (v-2.7)
CryptoCurrencies: We have used Block.io ( https://block.io/ ) payment method for cryptocurrencies. Block.io supports 3 currencies- BTC, LTC & DOGE (and their TESTNETS!). CryptoCurrencies can be send and received from Pay Money. Users can send cryptocurrency to any valid crypto wallet address. Admin can send and receive cryptocurrencies from users too.
Twilio SMS Gateway: Now, you will get SMS message through Twilio SMS gateway. To configure it, go to Settings->SMS Settings, put the twilio credentials & activate it.
PayMoney v-2.7 March 08, 2020
Bug Fixing: Fixed an issue with user name search filter in admin transactions, admin transfers & admin request money panel Bug Fixing: Fixed an issue with admin email notifications not sending to correct language Bug Fixing: Fixed an issue with system default timezone not setting correctly during user registration Improvement: Social Icons in the footer will now show only those admin has set; not all New Features: CryptoCurrencies (Block.io - https://block.io) New Features: Twilio SMS Gateway (except - signup verification)
PayMoney v-2.5 December 23, 2019
Bug Fixing: Fixed an issue with htaccess causing conflict during installation Bug Fixing: Fixed an issue with mobile API's middleware protection not working Bug Fixing: Fixed an issue with Google reCAPTCHA not working
PayMoney v-2.5 December 12, 2019
Bug Fixing: Fixed an issue with payout settings validation errors remain on modal close (user panel) Bug Fixing: Fixed an issue with bank details not coming in payout edit (user panel) Bug Fixing: Fixed an issue with date displaying incorrectly against user timezone (both user & admin panel) Bug Fixing: Fixed an issue with incorrect merchants PDF data in admin panel Bug Fixing: Fixed an issue with amount min and max validations shows incorrect decimal places (according to preferences) (user panel) Bug Fixing: Fixed an issue with SMS messages displaying incorrect UUID while updating transfers Bug Fixing: Fixed an issue with user panel header responsiveness Bug Fixing: Fixed an issue with confirm page details responsiveness (user panel) Bug Fixing: Fixed an issue with user profile (address & identity) responsiveness (user panel) Bug Fixing: Fixed an issue with exchange money (user panel) Bug Fixing: Fixed an issue with percentage and fixed fees displaying incorrectly on exchange create (user panel) Bug Fixing: Fixed an issue with merchant logo not displaying in transactions list (user panel) Bug Fixing: Fixed an issue with PayUMoney merchant payment (both user & admin panel) Bug Fixing: Fixed an issue with send & request payment phone own validation (user panel) Bug Fixing: Fixed an issue with request payment accept email/phone dynamic labels (user panel) Bug Fixing: Fixed an issue with merchant payment if deposit fee is not active (user panel) Bug Fixing: Fixed an issue with last login details missing in Users list (admin panel) Bug Fixing: Fixed an issue with status missing in transactions list exchange print (user panel) Improvement: Merchant group is made separate by user type in admin user roles (admin panel) Improvement: System payment method logo will now be dynamic in transactions list (user panel) Improvement: Added minimum currency exchange rate validation (admin panel) Improvement: Added Hour, Minute, AM\PM with date (both user & admin panel) Improvement: Added wallet balance validations during confirm (payout, send, request accept, exchange) (both user & admin panel) Improvement: Added redirection to create page(deposit, payout, send, request, exchange) on reload after success (both user & admin panel) Improvement: Added currency (Indian rupee) for PayUMoney payment method (admin panel) Improvement: Added few missing translations (user panel) Improvement: Added amount decimal places restriction according to system preference (both user & admin panel) Improvement: Improved image resizing with recommendations (both user & admin panel) Improvement: Transactions with no fees will be ommited from transactions details and will show only hyphen in transactions list fee column (user panel) New Features: Admin will now be able to suspend/de-activate a user New Features: Dynamic email notification during deposit, payout, send, request, exchange and merchant payment (both standard & express)
PayMoney v-2.3 August 29, 2019
Bug Fixing: Fixed an issue with standard merchant payment form. Bug Fixing: Fixed an issue with express merchant sdk validations. Bug Fixing: Fixed an issue with fees limit payout setting. Bug Fixing: Fixed an issue with email not displaying correctly in request payment acceptance. Improvement: Removed mycrypt extension and added xml,ctype,gd,iconv, extensions check during installation. Improvement: Allowed only three(USD,GBP & EUR) currencies by default. Improvement: Backend Validations for transaction modules. Improvement: If no payout setting is added by users, an alert to setup payout settings will be displayed. Improvement: The system can now calculate values upto 8 decimal places; instead of just 2 decimal places. New Features: User can now change default wallet from his/her profile. New Features: Merchant can now change payment acceptance currency. New Features: Merchant payment fee will now be calculated with both merchant fee and deposit fee of each payment method (if fees limit is active for a currency).
PayMoney v-2.1 May 31, 2019
Bug Fixing: Fixed an issue with head code in admin settings. Bug Fixing: Fixed an issue with local currency exchange rate. Bug Fixing: Fixed an issue with nonexistent wallet not being created in request creation. Bug Fixing: Fixed an issue while updating request payment from cancelling to pending. Bug Fixing: Fixed an issue with currency existence validation in request payment acceptance . Bug Fixing: Fixed a conflicting issue with email and phone vlalidations. Bug Fixing: Fixed a design issue if user's full name is more than 20 characters. Bug Fixing: Fixed merchant standard cannot pay to himself. Improvement: Head code naming changed to Google Analytics Tracking Code in admin settings. Improvement: Removed currencies exchange rate validation in currencies from admin. Improvement: Improved Application Installer. Improvement: Identification of user's default wallet from his/her wallets list New Features: Added Send Money Via Phone. New Features: Added Request Money Via Phone. New Features: Added WooCommerce Plugin Settings.
PayMoney v-1.9 March 17, 2019
Bug Fixing: Fixed an issue with Payout in user panel. Bug Fixing: Fixed currencies not coming in descending order in admin panel. Bug Fixing: Fixed issues with send and request money api's for mobile application.
PayMoney v-1.9 March 12, 2019
Bug Fixing: User's phone number not updating in admin panel. Bug Fixing: Merchant wallet not correctly adding amount while a merchant is receiving payment via System Payment Method. Bug Fixing: After disable email verification from admin panel if enable again, without verification registered users can't login. Bug Fixing: Exchange rate not displaying correctly if exchange from is selected as api in admin->currencies->add/edit. Bug Fixing: Problem fixed while express merchant payments SDK integrations. Bug Fixing: System payment method name not displaying correct while making payments to merchants. Bug Fixing: After logout, redirection to login page instead of home page. Bug Fixing: Fees limits problem in admin deposit and payouts. Bug Fixing: Fixed an issue with Coinpayment deposit. Bug Fixing: Problem fixed with Deposit PayUMoney. Bug Fixing: Fixed an issue with 2Checkout Deposit. Bug Fixing: Charge percentage/merchant fee not correctly displaying in merchant payments. Bug Fixing: Merchant wallet calculation when merchant payment status is updated by admin. Bug Fixing: When user updates his identity and address in admin panel without approving showing approved. Bug Fixing: Admin password change validation. Bug Fixing: Languages and validations in forgot password and reset password in frontend & backend. Bug Fixing: Inactive currencies should not be visible in deposit, exchange and send money currency drop-down in user panel. Bug Fixing: When admin does payout, the payout status will be 'success' instead of ' pending'. Improvement: Users wallet balance displayed from lower to higher. Improvement: Simplified the express payment sdk documentation in developer page. Improvement: Removed alphabets and dot symbol validation from first name as well as alphabets validation from last name to allow certain languages like, (Persian, Arabic, French, etc.). Improvement: Fees Limits and Payment Methods button won't be visible in admin currencies list, if a currency is inactive. New Features: Added Banks payment method in deposit. New Features: Added Payeer payment method in deposit. New Features: Added separate fees limit for payment methods (in deposit and payout only).
PayMoney v-1.7 December 31, 2018
Improvement: Removed outdated package - UniSharp/laravel-ckeditor. Bug Fixing: Fixed an issue with personal id verification in user panel.
PayMoney v-1.7 December 18, 2018
Bug Fixing: 2fa tab visibility according to admin settings in user profile setting. Bug Fixing: Header and navbar alignment when first name consists of more than four letters. Bug Fixing: utf-8 charset encoding issue with mail. Bug Fixing: utf-8 charset encoding issue when creating pages from admin panel. Bug Fixing: Google recaptcha not required in login. Bug Fixing: Editor not coming while creating and editing ticket in admin panel. Bug Fixing: Validation of duplicate phone number. Bug Fixing: Displaying wrong payment method name and image of transactions in user panel. Improvement: Optimized page loading . Improvement: Improved exchange module in user panel. New Features: Added Know Your Customer(Identity and Address Verification). New Features: User can login via phone only.
PayMoney v-1.5 November 05, 2018
Bug Fixing: Transferred and received transaction type email not sending to English language (if email template of other languages are not set), when admin changing their status from transactions menu Bug Fixing: When a person signs up with an email that is almost the same as another email(both user panel and admin panel). Bug Fixing: An issue with status(Active and Inactive) selected in admin->settings->pages. Bug Fixing: Each user transactions details are not displaying in admin panel. Bug Fixing: An issue with payout by bank. Bug Fixing: Currency exchange rate validation when adding a currency. Bug Fixing: Bank details not displaying in admin->payout (csv and pdf). Bug Fixing: An issue while resubmitting same type of 2-FA, in user profile. Bug Fixing: An issue while using system(e.g - Pay Money) as payment method, the payment method name not displaying as system name (e.g - Pay Money) Bug Fixing: An issue with leading zero in Bangladesh phone number input. Bug Fixing: File validation extensions while uploading files(User & admin). Bug Fixing: Issues while searching 'User' and 'Receiver' name in admin panel. Bug Fixing: Languages not setting globally in user panel. Bug Fixing: An issue while creating user or admin without selecting a role. Bug Fixing: Transaction link in each user dispute details in admin panel. Bug Fixing: Dispute discussion admin image position. Bug Fixing: Dispute discussion redirection. Bug Fixing: Dispute discussion admin and user names link-up to their respective profile. Bug Fixing: Ticket reply admin and user names link-up to their respective profile. Bug Fixing: New wallet creation of user when depositing with coinpayments. Improvement: Removed username from users and admins. Improvement: Removed currency name validation of letters only; as some currencies have different symbols in their names. Improvement: Removed currency code validation of letters only; as some currencies have different symbols in their codes. Improvement: Print page will now open up in a new tab instead of existing tab in user panel. Improvement: Revenues will always have values greater than zero. Improvement: Removed libxml checking while creating static pages in admin panel. New Features: Admin can now deposit to any user. New Features: Admin can now payout to any user. New Features: Added Google 2-Factor Authentication. New Features: Added merchant registration.
PayMoney v-1.3 October 05, 2018
Bug Fixing: Unregistered user will get updated of all transfers payment in their wallet. Bug Fixing: Payout balance is accurate when cancels it after a payout is initiated. Bug Fixing: When admin changes a merchant type merchant client id and client secret gives an error. Bug Fixing: Fixed all emails currency symbol, based on admin/setting/preferences - Money Symbol Position. Bug Fixing: Updated user panel meta url for password reset. Bug Fixing: Fixed editing currency in admin (when status is default). Bug Fixing: Client-side validation of first and last name in user profile. Bug Fixing: Merchant payment redirection will be at user dashboard instead of home page. Bug Fixing: Transactions status for merchant payment(Payment sent & payment received) and transfers(Transferred and Received) are now synchronous when admin change the status. Bug Fixing: When transferring money to unregistered user, email won't be null. Bug Fixing: Payment sent and payment received (user and received), both transaction types will have same user and receiver name like transfers(Transferred and Received transaction type. Bug Fixing: Request sender image will show in request receiver account issue fixed. Bug Fixing: (admin/settings/countries)-server-side validation of countries is fixed. Bug Fixing: (admin/settings/languages)-server-side validation of languages is fixed. Bug Fixing: User wallets default status is fixed in admin panel user details. Bug Fixing: User name will be null in merchant payment when paying to a merchant by stripe, paypal or other payment methods instead of pay money system. Bug Fixing: Request creator and request acceptor wallet balance calculation problem is solved, when admin updating transaction status from success to refund from transactions menu. Bug Fixing: Fixed 'user name' when a user is paying to a merchant by payment methods (other than paymoney)without login;Payment Received entry in transactions list in admin panel. Bug Fixing: Company logo not coming in deposit for coin payments. Bug Fixing: Dispute discussion header text changed in user dispute section. Bug Fixing: Dispute discussion admin reply date format fixed in user/disputes. Improvement: Timezone (user profile settings, admin preference setting) will now be called from php default time zones [reference - http://php.net/manual/en/timezones.php]. Improvement: Changed user's phone number from integer to string of size 20. Improvement: Added Chinese Template for both email and sms. Improvement: If a user deletes a payout setting, the payout entries related to that payout setting won't be deleted. Improvement: Added new Table 'withdrawal_details' (Banking details will show in details page when payout is done via Bank,both in admin & user panel) Improvement: Admin cannot refund any transaction once it is cancelled. Improvement: Duplicate phone number check in user profile. Improvement: Creation of new 'client secret' and 'client id', if admin changes a merchant type from 'standard'to 'express'. Improvement: Added last login and ip address for users. Improvement: In fees-limit, default currency will always be set to active for different transaction types that were inactive. Improvement: If admin changes existing default currency to other currency, that new default currency's fees limit will be active for transaction types that were inactive. Improvement: Social Links will not be required. Improvement: Disabled preloader from frontend and user dashboard; enabled only when visiting transaction details. Improvement: Removed payment methods menu from admin/settings; this is not needed as each currency has its own payment method settings. Improvement: At the time of installation, the fees limit of default currency will be automatically set for deposit,payout, transfer,exchange and request payment. New Features: Added email verification on user registration with custom email template. New Features: Added password reset custom email template(user & admin). New Features: Added enabling/disabling of verification mail in admin/settings/preferences. New Features: Mobile Number with International Telephone Input has been added, with validation, flag dropdown and country code. (Added both in admin and user panel) New Features: Added Nexmo Sms Gateway. New Features: Added SMS templates. New Features: SMS will be sent in all transactions in both admin transactions status change and user transactions, according to SMS templates. New Features: Added 2-Factor Authentication. New Features: Added 2-Factor Authentication email template. New Features: Admin can change 2-Factor Authentication types(by email , by phone, by email & phone),based on which user settings/2fa will be displayed. New Features: Admin cannot change 2-Factor Authentication type to (by phone and by email & phone), if sms settings is not configured properly. New Features: Changing the 2-Factor Authentication type to disable, will disable it completely from user panel.. New Features: Added login via in admin/settings;if sms credentials are not set or not active/default, admin can not change login type to (email or phone). New Features: User can now login with email or phone, according to admin (login via) settings.
PayMoney v-1.1 August 17, 2018
Bug Fixing: If currency is not available in sender wallet, that currency wallet will create in receiver wallet only. Bug Fixing: Email Configurations for sendMail. Bug Fixing: When update user info from admin,change password field isn't required. Bug Fixing: Default user will get only which permission is given from admin. Bug Fixing: Accept request button is not working. Bug Fixing: If user is not paymoney register user that time print option is not working in front end. Bug Fixing: When creating any Ticket file didn't uploading with reply both in user & Admin. Bug Fixing: When replied any Ticket with any image, attachment of any image won't come with email. Bug Fixing: Ticket files download issue fixed. Bug Fixing: When Exchange to Other,fees limit was calculated from "wallet to" currencies. Bug Fixing: Admin can put any length password. Bug Fixing: Request sender image will show in request receiver account issue fixed. Bug Fixing: Fixed multiple request and transfer acceptance for unregistered users on registration. Bug Fixing: Fixed dynamic validation to balance check of request acceptance. Bug Fixing: Fixed transactions migrations timestamps. Bug Fixing: Admin header logo will change now instantly, previously coming from session. Bug Fixing: In Transfer/Request, if currency is not activated from Fees limit currency is not come in user drop/down meanu. Bug Fixing: Fixed active/inactive checkbox returning wrong value on currency change from dropdown Bug Fixing: Fixed showing two error message when currency is not available in request payment; one message will be there instantly. Bug Fixing: Payout amount will be added/subtract with fees if admin change status. Bug Fixing: Transparent Paymoney logo now visible in merchant (generated) payment page. Bug Fixing: reCaptch validation issue. Improvement: Developer page installation instruction changed. Improvement: Upload image of Property listing. Improvement: From Fees limit Exchange, admin can disable user wallets when a user converts "To base" currency "From other wallets". Improvement: If "Default currency" is inactive from Fees limit for Exchange for "To Other currency" error message will show usd' fees limit is inactive". New Features: If admin change any status for "payout", user wil be notify via mail. New Features: Added google reCaptch enable/disable functionality. New Features: A mail will be sent to default english languages(subject and body), if other languages(subject and body) is not set. New Features: Modified dispute status from rejected to closed; admin can now close/reject a dispute.
Initial Release v-1.0 August 1, 2018