1. What is Kimoby Pay?

Kimoby Pay allows businesses to attach invoices and send secure payment requests through text messages. It’s a fast, convenient, and easy mobile checkout solution that simplifies your payment operations.

You can learn more about Kimoby Pay here.

2. Is Kimoby Pay secure? PCI compliant? 

Kimoby Pay’s services are provided by Stripe. Stripe is audited by a PCI-certified auditor and certified to PCI Service Provider Level 1(Highest level of certification available). You can learn more about the technical details of Stripe's secure infrastructure here.

3. Will fraudulent payments or cards be rejected?

Kimoby provides several tools to minimize fraud losses and help businesses determine if a transaction is fraudulent. They allow Kimoby to autoreject suspicious transactions and send notifications when questionable charges are raised.

Additionally, Stripe, our service provider, works with its financial partners and credit card networks to monitor fraud globally. Here is more information on Stripe.

4. What do we need in order to use Kimoby Pay?

Kimoby Pay-As-You-Go installation is quick to install and deploy. You simply need to enter your banking information in our Kimoby Pay request form to start sending secure payment requests and begin receiving your deposits.
For Kimoby Pay Merchant Connect, please verify with your merchant that you have an e-commerce account. You will need your e-commerce Merchant ID credentials to set-up your Kimoby Pay account.

5. Why do I need to provide my Social Security Number?

Part of our responsibilities to our credit card payment processor and financial partners involves verifying your identity while confirming the legitimacy of your business. Collecting your Social Security Number enables us to streamline parts of the identification process so that the business you represent can start running charges immediately and receive earning payouts to its bank account. We do not use your Social Security Number for any other purpose, and we take your privacy and the security of your data very seriously.

6. Does providing my Social Security Number make me personally liable for anything?

Providing us with your Social Security Number does not make you personally responsible nor liable for your company's use of Kimoby Pay and its legal obligations to customers. The only reason we require such fail-safe method of identification is to properly confirm that you are an official representative of the company for which you are setting up the Kimoby Pay account. Providing us with your Social Security Number merely implies that you, as an official company representative, are duly authorized to provide, on the company’s behalf, all the information needed to verify and confirm the legitimacy of the business.

7. When does Kimoby Pay transfer money into my account?

When a payment is processed, you will receive the full amount of the transaction within 2 business days in the United States and 4 days in Canada on a rolling basis and you will be charged the transaction fees on every payment processed, at the end of the month depending on the type of setup you have. The schedule is dependent on your country and whether your business operates in a higher-risk industry or not. Although Kimoby initiates an electronic deposit into your bank account daily, most banks deposit payouts as soon as they are received.

8. Where is Kimoby Pay available?

Kimoby currently supports businesses in the USA and Canada.

Once integrated with Kimoby Pay, you can instantly accept payments from anywhere around the world.

9. How much does Kimoby cost?

Kimoby Pay-As-You-Go: 2.9% card fee for Mastercard and Visa and 3,4% for Amex + $0.30 per successful transaction (including credit card fees). There are no setup fees, installation fees, or monthly ongoing fees. 

Kimoby Pay Merchant Connect: Card rates from your merchant account. 75$/mo fee + plan 0,2% processing fees. No setup costs. 

10. Are there any other fees?

With Kimoby’s simple and transparent pricing there are no hidden fees and you only get charged when you earn money. 

Unlike with other payment services, you’ll never be charged for failed transactions, stored cards, recurring payments or refunds. 

Note that if you accept payments in other currencies, Kimoby charges an additional 2% to automatically convert those funds before depositing them in your account.

11. How do I handle disputes?

You’ll work directly with Kimoby to handle any disputes or refund requests. However, Kimoby is by no means liable for conflicts between you and your clients concerning an amount, non-payment or any other billing-related issue(See sections 3-4 of Kimoby Pay's Account Agreement).

12. How do I keep track of all these transactions?

Your Kimoby Pay menu lets you view payments and customers, manage refunds, transfers to your account, and more. Login here.

Want to get in touch with Kimoby?

If you have any questions, comments, or feedback, please email support@kimoby.com.

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