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27/10/2013. Interview with the Admin of CrestFunds

Hello everybody! It’s been a slow enough day as regards news stories in the industry today, but I guess that’s almost to be expected being Sunday. And I hope you all remembered to put your clocks back an hour last night and enjoyed an extra hour in bed this morning. As it launches the official start of winter for most of us maybe it’s the best place to be on a Sunday morning anyway! Maybe it’s just as well I don’t have anything else to distract you with though, as just yesterday I received the following interview with the admin of CrestFunds that I had been waiting on. That’s a mostly longer term investment program that’s been running for about a month or so, offering terms of 1.4% for 30 business days, 1.6% for 60 business days, 1.8% for 90 business days, all with your principal back on expiry. The admin’s name is Gary, and he’s going to explain how CrestFunds works to you plus their main features below. If you like what he has to say and are interested in hearing a bit more on the program then I’ll just remind you first that you can read a more detailed description of CrestFunds in the original review published here.



“1. Hi Gary, please introduce yourself to the readers of MNO and tell us please about your own involvement in CrestFunds. What is your role in the day to day running of the program?

Hello Paul. First of all, I would like to thank you for giving us the opportunity to be interviewed on MNO. Secondly, I’d like to greet all your readers.

My name is Gary Harrow and my job is to oversee the day to day operations of CrestFunds. That includes planning and organizing, public relations and marketing, financial administration and the development of new markets, in my opinion the key factors of business administration.

2. Can you give us some background information on CrestFunds? How many others are involved with the program or are you operating alone? How long have you been online?

CrestFunds was incorporated as an IBC in late 2010. The philosophy behind our venture is to pool and trade funds invested by small retail investors with a minimal amount of funds.

We are online since September 2013 and apart from me five other individuals are involved in CrestFunds.

3. Explain the investment plans in detail to us. What ROIs are on offer. What are the minimum and maximum amounts to invest?

As said before, our target group comprises of small retail investors. That are usually people who don’t want or can’t tie up capital in the long term. Thus we have created rather short terms.

We pay 1.4% for 30 business days, 1.6% for 60 business days and 1.8% for 90 business days. Obviously, all our plans return the principle at the end of the term.

The minimum amount to invest in our 1.4% for 30 business day plan is $10 only, while the maximum amount in our 1.8% for 90 business days is $10,000. The given figures are per investment only. Between them are various minimum and maximum amounts, depending on the chosen investment plan. For more information please refer to our website at CrestFunds.

4. What payment options are you currently accepting? What is the payment schedule, ie how long after making the payment request before the money is received by the member?

We are currently accepting SolidTrustPay, PerfectMoney, BitCoin, EgoPay, PexPay and OKPay.

Withdrawals are processed on business days only [Monday until Friday] between 8am and 4pm GMT. We process withdrawal requests multiple times daily and usually a request is received by the member within a few hours at max.

5. How secure is the website of CrestFunds? What are you doing to protect it and members’ accounts from hackers? Are you on a dedicated server? Who is your host? What kind of anti-DDoS protection do you have?

Security is the be-all and end-all for any website involved in e-commerce. One of our staff members is a professional sys admin with years of experience. His main task is to monitor our server security and performance.

We are hosted on a dedicated server at Phoenix NAP and Cloudflare is our anti DDoS provider. The main reason choosing Cloudflare over their competitors is, that in addition of protecting our website from DDoS attacks, their services include the optimization of the delivery of webpages. Visitors get the fastest page load times and best performance possible. Plus their references are impressive: Among their clients are companies and organizations like Eurovision Song Contest, World Economic Forum, Spamhaus and The Franklin Mint Group.

6. What kind of script is CrestFunds running off? Where did you get it, how safe is it, and why do you think this one is most beneficial for you as an admin and your members?

We went for the best available: Shadow Scripts. The reason is that it has proven for many years to be secure and reliable and it’s developer Chris is offering a superb and very timely support.

We even consider it as more secure than any custom written script, due to its track record. Any custom written script needs to go through months if not years of trial – before it can be considered that safe.

In addition, we consider it user as well as admin friendly, all tasks are properly organized.

7. Can we see any statistics regarding CrestFunds? How many members have joined since the beginning and how many are active at the moment? Are you pleased with the support from the members so far? How important a role do they play in bringing in new members?

Sure Paul! We have currently just around 600 active members and are very pleased with their support. The majority of our active members are referred by others, so their role is significant to say the least.

8. How can members contact you if they have any questions or support related issues?

The easiest way to contact us is through the support ticket system in the members area. Our support staff member is gladly attending all requests in a punctual manner during our business hours.

9. What have been the most common questions and problems you’ve had to deal with so far? Is there anything you wish to say here so that members can avoid having to contact you later?

99% of support requests received are related to issues properly explained in our FAQ, i.e. funding e-wallet first before investing or concerns that withdrawal requests are pending for more than 24 hours during the weekend.

We like to advise all our current and future members to please take the time and browse through our FAQ, before contacting our support department.

10. How have you been promoting CrestFunds so far? What advertising strategy have you been using? How are you getting new members to join?

We have bought some banners on a selected choice of investment portals, with mixed results, I have to admit. Until today the best marketing tool for us is the word-of-mouth advertising by a happy member. Also, in the coming weeks we are planning to add banners on a very few monitoring sites — those who did a great job in referring new members.

11. What exactly are you doing with investors money? How are you investing it and how are you generating the profits being made to members?

CrestFunds is hedging funds in frontier and less liquid emerging market economies. Frontier and emerging markets have been one of the hottest investment areas since the early 2000s, with new ways to invest popping up all the time.

12. And finally is there anything else you wish to say not covered in this interview? Also please feel free to comment on the review of your program published on MNO. If there was anything you felt was unfair, mistaken, or in any way in need of clarification then you are welcome to explain this in your own words here.

I’d just like to emphasize my satisfaction with the progress of CrestFunds. We’ve planned slow but steady growth, as this will ensure the longevity and sustainability of our project and this goal was achieved. Now we are looking forward to mark our brand presence in the online investment community and to serve our members for a long time to come. For all who are not with us yet, please visit our website – and remember, you can join us from as little as $10. Try us, we do our best and you won’t regret it!

Concerning your review all we have to say is that it was fair, neutral and unbiased and we thank you for your unparalleled services in the online investment arena.”

That’s all for today, guys. I just want to finish by saying thanks to Gary for taking the time and effort to answer the questions I sent him and wish the best of luck to him and all the CrestFunds investors in making a profitable experience for all those involved. I’ll see you all tomorrow with the first news update of the new business week tomorrow, however I do want to get an early warning about one potential scam out to you. SabroTechnology has for the moment been moved to Waiting Status on the MNO monitor because of overdue payments which don’t look as if they are going to be completed. I’ll have further details on that tomorrow and whether or not the program is going to be moved to Scam Status or returned to Paying, but for now it’s best to avoid SabroTechnology until further notice. Thanks for reading, everyone. Enjoy what’s left of the weekend and I’ll see you all again tomorrow.

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21/10/2013. Interview with the Admin of KeystoneLoansDivision

Hello everybody! I hope you’re all keeping well after the weekend and are looking forward to a brand new week of possibilities and potential opportunities to come. It looks like being a busy start to the new business week here on MNO as I’m going to be publishing two updates this Monday. As usual I’ll have a full round up of all the important news events going on in the HYIP industry over the last couple of days a little later this evening at the usual time, and there’s plenty to catch up on so remember to check back then. First on the list of updates for this week however is going to be the following interview with Kali, the admin of one of the more unusual projects to launch in recent weeks called KeystoneLoansDivision.

It’s a tricky enough program to summarize without simply repeating the entire review of KeystoneLoansDivision (which if you like the interview you can then read here), so maybe it’s best to just leave the admin describe it below in his own words. I’ll just tell you that it’s a sort of HYIP/autosurf hybrid website that requires most of it’s members to view a certain number of online advertisements each day in order to receive an interest payment on the money they have invested. This can start from a $10 minimum and can bring potential returns of 1.4% for 105 business days, 1.6% for 95 business days, or 1.9% for 80 business days, depending on which of KeystoneLoansDivision‘s plans you opt for. So let’s hear what the admin has to say about it all and whether you think they might be suitable for you or not.



“1. Hi Kali, please introduce yourself to the readers of MNO and tell us please about your own involvement in KeystoneLoansDivision. What is your role in the day to day running of the program?

Good day MNO readers, my name is Kali and I’m the administrator of KeystoneLoansDivision. My role is making sure everything functions as smooth as possible daily on the website, as well as the marketing side of things.

2.Can you give us some background information on KeystoneLoansDivision? How many others are involved with the program or are you operating alone? How long have you been online?

KeystoneLoansDivision is a project, which I worked on for over two months before bringing it to the public. I have two staff members who assist in their specialized fields namely security and programming. The site was opened to the public on 23 September.

3. What are the different categories of membership, how do they differ from each other, what kind of investor is each most suited to, and what is required of them to get paid?

Our free membership is the most popular as it was specifically designed for the largest group of members. The Vacation membership is for those who are unable to view sites daily for a limited time for instance when going on vacation, while the Premium and Elite memberships cater more towards those who have other opportunities they want to advertise at a great rate.

The different membership levels are as follow.

FREE Membership

Cost – Free

1 site in exchange surf

View up to 50 sites a day

Rate 10 sites for 10 seconds each on weekdays

Earn 1 credit after rating 5 sites

Vacation Membership

Cost – $3.95 a week

1 site in exchange surf

View up to 50 sites a day

No surfing requirements

Premium Membership

Cost – $9.95 a month

3 sites in exchange surf

View up to 100 sites a day

Rate 3 sites a day for 10 seconds each on weekdays

Earn 1 credit after rating 3 sites

Ad perk 1 month 125×125 banner in members area

Elite Membership

Cost – $24.95 a month

5 sites in the exchange surf

View up to 200 sites a day

Rate 5 sites for 10 seconds, one time per week

Earn 1 credit for rating 1 site

2nd level referral commission – 2%

Can transfer funds for purchases to other members (PIF)

Ad perk one rotating 728×90 banner in members area for one month

4. Explain the deposit and withdrawal process in detail to us. What ROIs are on offer. What are the minimum and maximum amounts to invest?

To make a deposit with KeystoneLoansDivision you should click on the deposit link at the top of their account. The next page will allow you to select your preferred processor and list the fees charged for depositing, if any. Next enter the amount you wish to deposit. Just below this field you will see the net amount of funds, which will be credited to your account. Click on the Fund E-Wallet button and you will be taken to your chosen processor to complete the transaction. Once the deposit has been made into your E-Wallet you need to purchase an ad token to be eligible for any earnings after completing the requirements of your membership. To purchase an ad token you need to go to the “add to account” section on the left side of your members area and click on the first option called ad token. Once on the ad token screen you have to select the plan you wish to purchase in, followed in the next field by the amount, and finally select which processor balance you wish to use for the purchase.

To withdraw you can click on the withdraw button at the top of your members area. The withdraw menu allows you to select which processor you want to withdraw to as well as shows the balance for that processor. Next you can choose whether to withdraw to your processor or back to your E-Wallet. If you’ve made a deposit from the processor that you have selected to withdraw to then your processor ID will already be entered in the field, otherwise it can be entered manually. Next you need to enter the amount that you wish to withdraw and then enter your secondary password, and click the Request Cashout button.

5. What payment options are you currently accepting and what is the payment schedule (ie how between asking for a payout until I actually receive it)? I said in my review that passing on your own processor fees to be paid for by your members would not help your popularity. So why is it necessary to do this? Why can’t you absorb them, or else just adjust the interest rates so people don’t feel like they are the ones picking up the charge?

Currently we are offering SolidTrust Pay, EgoPay, and Perfect Money to our members and advertisers. As per the FAQ please allow up to 72 hours for a withdrawal to be processed but we strive to process them within 12 hours whenever possible.

I thought about the processors fees for quite some time and in the end to me at least it came down to KeystoneLoansDivision first and foremost being an advertising opportunity.

6. How secure is the website of KeystoneLoansDivision? What are you doing to protect it and members’ accounts from hackers? Are you on a dedicated server? Who is your host? What kind of anti-DDoS protection do you have?

Before starting the actual work on KeystoneLoansDivision I personally interviewed several security persons in the industry before placing one on retainer to ensure any problems that do arise are dealt with in a swift and appropriate manner. KeystoneLoansDivision is currently hosted on a dedicated server with Black Lotus communications with adequate DDoS Protection.

7. I know some people are extremely wary of any surf related websites, saying (or at least certainly believing) that they picked up viruses and malware from the admin failing to monitor the websites that were opening on peoples computers during the surfing process. What do you say to that?

So far we have not had a single member raise this question and I appreciate finally being able to share my view on it. Firstly, it should always be a persons own responsibility to keep their system updated and with the proper software installed to protect themselves. Secondly, I do however, understand that not everyone is as informed and as such each and every website is checked through at least three individual online scanners before being approved whether it’s a surf site in the exchange or a paid for banner advertisement. Unfortunately some individuals out there, still find joy in submitting malicious material over the internet, and even use third party websites to do so. I recommend that scripts are turned off by default in the browser you use and only allow for trusted sites. NoScript for Firefox is an excellent extension to safeguard yourself with ease.

8. Some of the terms are quite long. I know you have the Vacation option, but what happens if a member accidentally misses a few days surfing from time to time? Do they simply not get paid and continue as normal? Or will the plan be extended by the number of days they missed so they can make up for it before requesting their principals back?

The plans are setup as such that every ad token returns a set percentage instead of a certain amount of days. If a member does forget to surf then they will still earn the full amount it will just take longer.

9. What kind of script is KeystoneLoansDivision running off? Where did you get it, how safe is it, and why do you think this one is most beneficial for you as an admin and your members?

KeystoneLoansDivision is running on ShadowScript. During my initial research it was determined that it was the most secure and feature rich software on the market for my needs. The script is licensed and members may verify this by visiting the ShadowScript site and using the license validation page. I believe this was the best script because of security and secondly because of the features and growth it will allow us in the future as we expand our operations.

10. Can we see any statistics regarding KeystoneLoansDivision? How many members have joined since the beginning and how many are active at the moment? Are you pleased with the support from the members so far? How important a role do they play in bringing in new members?

At present we have over 600 registered members of which over 250 are currently active. I am very pleased with the support from the current members and know it will take time to win many investors trust and confidence. Based on the tracking implemented members are currently responsible for driving over 50% of the new visitors to the website daily.

11. How can members contact you if they have any questions or support related issues?

Members are welcome to use the contact page on the website or the support ticket system. Soon there will be a Facebook and Twitter option for members to communicate with us.

12. What have been the most common questions and problems you’ve had to deal with so far? Is there anything you wish to say here so that members can avoid having to contact you later?

The most common problem thus far would definitely be members using the surf function on outdated browsers. I believe the extensive FAQ covers most questions that members may have and do appreciate those that do make use of the FAQ.

13. How have you been promoting KeystoneLoansDivision so far? What advertising strategy have you been using? How are you getting new members to join?

I believe KeystoneLoansDivision requires a unique approach with its promotion as it isn’t your everyday run of the mill opportunity. So far I have enlisted the services of a few monitors and purchased some banner space on a few forums where we already had a good amount of traffic coming in from prior to the advertising. My main goal for getting new members to join would be to prove to them that KeystoneLoansDivision is a serious opportunity, which will not disappear overnight.

14. And finally is there anything else you wish to say not covered in this interview? Also please feel free to comment on the review of your program published on MNO. If there was anything you felt was unfair, mistaken, or in any way in need of clarification then you are welcome to explain this in your own words here.

I would just like to notify the MNO readers that on the day the review was published we have implemented Instant Withdrawals to all processors. Since then it has come to our security departments attention that there is currently a security concern with the Perfect Money payment processor and we have disabled instant withdrawals to that processor until we have more information as well as a solution. In the rare occurrence that a withdrawal to any processor is not instant it will be processed manually and there is no need for concern.”

Thanks a lot to Kali for taking the time out from running his program to answer my questions. If you are already a member or just thinking about it then I hope it was in someway useful for explaining how KeystoneLoansDivision works and helps you decide if you think it might be worth taking a chance on or not. I’ll just wrap it up by wishing the best of luck to everyone involved and hope for a profitable outcome for as many members as possible. Anyway, that’s it for the moment but I’m not finished for today just yet. As I said at the beginning I’ll be back later tonight with a full news update from the rest of the HYIP industry, so stay tuned for that and see you all then!

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12/10/2013. Interview With PexPay Payment Processor

Hello everybody! I hope your weekend’s been going well so far. For today’s update on MNO I have something a little different for you which I think you might find interesting. Over the years I’ve had, as longer term readers will know, quite a lot of interviews. Generally speaking these tend to be with HYIP admins looking to talk about whatever program they are running at the time, but occasionally I’ve been lucky enough to talk with people involved with other fields. Forum owners, script developers and programmers, and online payment processor managers amongst others. So today I’m pleased to have an interview with a representative of PexPay, which is still a relative newcomer in the world of online payment handlers. Not just a representative exactly, his name is Ralph and he’s a managing partner. It’s a pretty tough business to crack as must surely be apparent by the fact that in the months following the closure of LibertyReserve there’s been no really serious challenger to the remaining three processors that still dominate the HYIP industry. It’s only a matter of time before that changes in my opinion, and PexPay is one of the service providers poised to take advantage of that. So read on to hear Ralph talk us through the recent history of the company, what services they provide, and how owning an account can be advantageous to online investors.



“1. Please introduce yourself to the readers of Money-News-Online and tell us what your role is in PexPay.

My Name is Ralph Connor, and I am one of the Managing partners of PexPay. I help handle the day-to-day operations of PexPay including but not limited to Customer support, Verification Support, and Live Chat Support. I also sit in on programming topics to help filter what we need and how we get that from a programming standpoint to a live functioning feature on our site.

2. Can you give us some background information on PexPay? Who owns it and why did he decide to start PexPay? How long have you been in operation? How many people work there? Do you have any kind of official sanction or license from the government or financial authorities in your own jurisdiction?

There are several silent partners that own PexPay. There are many reasons why we started PexPay in June 2012. Giving a better online payment processing option to customers with lower fees is the main reason. We currently have 11 staff members. One of which has been involved with different processing companies over the past 10 years. There is a big movement coming with legal online gaming, and we will be a part of that as well. That was one of the main reasons for starting PexPay, but we realized quickly that there are many more industries that can use our services. Because we are new or newer it has taken some time to get in with some of these merchants or industries, but we are seeing more and more movement every quarter.

You can also visit our “about us” page to see our FinCEN MSB Registration, which is something LR could never obtain the way they operated.

https://www.pexpay.com/about.php

3. What are your thoughts on the recent seizure of LibertyReserve and the related accounts by the US federal authorities?

I would also like to ask, a) how will you avoid the same mistakes and facing the same fate, given that you essentially offer a very similar service?

And b) in the months following the LR closure I can’t say I’ve noticed any significant increase in activity from PexPay and you don’t seem to have taken any real share of the business left behind. Why not?

LibertyReserve’s corporation structure cannot be compared to PexPay, and I am surprised they lasted as long as they did with the way they processed transactions and their lack of KYC and many other policies that all payment processors or gateways are required to have in place.

We are registered and structured properly so from the very start we will not have the issues that LR had. We also just recently completed our title 31 audit that is required of all financial institutions, payment processors and gateways serving U.S. customers. FinCen performs this audit, and we passed the audit without issue.

The biggest reason we did not push in your industry right after was because of all the business that LR issues would effect from merchants to customers. We wanted to wait until all of that settled down. We do not operate the way LR did so many of their customers would not use us as we require verification and bank information that they would never submit as the majority of the clients wanted to be anonymous which violates many rules and regulations that we must follow.

We are starting to reach out to your industry more, and I think people will see more and more merchants adding PexPay in the coming weeks and months.

4. What are the different types of account you have available? How does one then open their chosen account? What charges apply to transactions made with these accounts?

We offer two types of accounts for all customers: Personal Accounts and Business Accounts. Our fees are the lowest of any verified processor that we know of. Here are the basic fees:

Sending Funds: Free

Receive Funds: 1.29% +0.24

A complete list of all fees can be found on our fees page at:

https://www.pexpay.com/fees.php

5. Assuming that PexPay is the only online account that I have:

a) How do I go about funding it? Will it be possible to fund it using a Visa or MasterCard credit/debit card?

b) How do I withdraw any money I earn there? Can I withdraw directly to my bank account?

You can fund your PexPay account by Wire, Check, Money Order and ACH (U.S. bank account required). You can withdraw using the same options. All funds are received and sent in USD. We are looking to add credit card funding options that will work with our business model long term. Many credit card processing providers do not work with payment processing services. This is why you have seen other providers start and stop credit card options over the years.

6. How widely accepted is PexPay as a payment processor now? What kind of businesses are using it?

We are a newer payment option so it takes time to get businesses to use us, but we are seeing growth in some different industries including affiliate marketing, multi level marking, bill pay companies, as well as your industry. Once complete we will also have merchants adding us in the online gaming industry, but only regulated sites once the final laws are passed.

7. Many activities are, for obvious reasons, named on your prohibited activities list. Others though while of an adult nature are perfectly legal, such as gambling for example. So why are there restrictions (and what exactly are they) if the clients are legally registered business entities that comply with the laws of your jurisdiction?

Many of the industries listed are usually not in compliance. If they are in compliance, we will work with those industries that do not deal with things such as firearms and adult sites that list under age material for example. For other industries, we can provide them details of what we need from them as it relates to their industry.

8. For the benefit of non-members, where can we view a list of verified merchants that accept PexPay?

We are working on making a list for people in the future. We want to make sure when we release this feature that we keep it current, and allow our customers a way to inform us of changes to the merchants that may be listed. Once we feel good about the workings of this feature we will release it and let everyone know the link as well as how to submit a listing to us. We will also have a way for merchants to advertise with us in the near future.

9. Do you have a referral program? How does it work?

We always get very excited when we talk about our Customer Loyalty Program as we feel we have the best program of all payment processors. We allow our customers to earn over and over again on the people they bring to us, and the best part is our program pays you every time a person that you refer to us sends funds to any PexPay account. As long as they are using PexPay to send funds, you are getting paid instantly every time.

Our program pays you 10% of the processing fee we charge to receive funds every time that someone you introduce to us and is signed up under you uses their PexPay account to transfer funds to another PexPay account.

There is a section within your account that allows you to see how many people you have introduced to PexPay and how much you have earned from each person. That same section also allows you to access your banners and Customer Loyalty Program link that can be used any place online.

Here is a link for more info on our Customer Loyalty Program:

https://www.pexpay.com/loyalty-program.php

10. How safe is PexPay? How do you protect members from identity theft? What measures have you taken to prevent hackers and DDoS attacks from bringing the site down?

PexPay is very safe as our site is custom built. We have a small team of IT folks that handle everything related to the security of the site as well as the everyday function of the site. We use 256 bit-encryption verified by Rapid SSL. We also have DDOS protection in place and have had from day one as we take the security of our site very serious. All of our customer’s verification information is stored electronically on a separate server. All information on this server has multiple encryption features including MD5 Encryption to protection all information. We do not sell or share any customer information with anyone.

11. Under what circumstances would you freeze a member’s account? If the subsequent investigation proves that the member was indeed guilty of some offense, what then happens the money?

We try to never get involved with customer disputes, as all transactions are final as covered in our terms of service. There have been a few cases that we have been forced to take action upon. Most of the time, it’s because of false documents or bad banking information. We handle these situations on a case-by-case basis. If we freeze an account with a balance, we wait for the investigation to be completed on the account and issue partial refunds to any people that had transaction with said account. This would be after we recover any loses incurred.

It is important to realize that all transactions are final, and we do not get involved in disputes. We will always note complaints on an account, but it is the customer’s responsibility to resolve any conflicts with the other person/account.

12. If I am the victim of fraud, what course of action should I take? Is it possible to get refunded? What is your policy on that?

This falls under the same answer as the last question. We do not get involved in disputes between customers.

13. Most of the readers here will be primarily concerned with HYIP related websites. What’s your policy on HYIP and autosurf sites that want to use PexPay as a payment processor?

We review all websites for approval and go into a detailed process on the verification of merchant accounts. We do allow HYIP and autosurfs, but it is important for the customer to do research on any merchant before they decide on doing business with them.

14. If I have several accounts with different processors do you have a list of approved exchange providers for transferring funds between them?

If people are looking for ways to exchange their funds in or out of PexPay, they can open a support ticket asking for a list. We only work with a select few exchangers. We have turned down many and require even more paper work for exchangers. Please open a support ticket with us for more info.

15. Tell us in detail about your PexPay‘s customer support network. How can clients get in touch with you if they have questions or problems? Is there phone support, or Live Chat? Is it a 24 hour service? Can non-English speakers contact multi-lingual operators? Do you have an actual physical office address which you are prepared to share with us like STP do?

We do have live chat. There are no set hours as of today. As needs increase, we will increase the amount of staff available for live chat. We also have a support ticket system for people with accounts and a contact us link for non-PexPay customers. These are answered within 2 days and usually much quicker. At this time, we do not offer multi-lingual support. We do not have phone support as we have seen how it has failed with other processors. We do not have a physical address to come in and see us as we handle everything online, but our FinCEN registration does supply our physical address. This is used for meetings with regulators and business appointments, not for customer service.

16. What are your plans for the near future? What other features and options do you plan to introduce to make PexPay even more competitive and attractive to customers? As I said in an earlier question you don’t appear to have made any obvious in-roads towards capturing a bigger share of the market before now, but what exactly are you going to do about it? Considering that it took the likes of STP and PerfectMoney many years to build up their client bases, how are you going to challenge them?

Growing all starts with great customer service. Once people see how we take care of our customers, it will be an easy choice for them to tell everyone about PexPay. We are also going to roll out some new features in the coming months including the merchant listing section and improvements to our private message system that is already live and ready to use. We also have plans to add our own debit card in the future. The time frame for this is not yet known. As more information is available, we will make an announcement.

We are also looking to add more funding and withdraw options in 2014 allowing even more choices. These additions will be great for international customers.

Lastly, we are working to increase the amount of merchants that are using PexPay services. We are contacting merchants directly in different industries, as well as expanding on the industries where we already have customers. It is important for our customers to remember our Customer Loyalty Program. If they get a merchant to signup under them they will get paid every time that merchant sends funds. Getting a merchant account under their Customer Loyalty Program is a great way to make extra money with PexPay.

17. Thanks a lot for taking the time to answer my questions. Is there anything else you want to mention? Anything at all you feel readers should be aware of not covered here?

I think your questions covered a wide range of topics. Thank you for taking time to conduct this interview with us. If you or your readers have any questions after this, please feel free to open a support ticket or use the “contact us” link if they do not have an account with us. Lastly, in case your readers do not know, they can catch us on the MNO shout box as well.”

Thanks a lot to Ralph for taking the time and effort to answer my questions, and best of luck to him in promoting the company. I hope you all found it both interesting and useful, and maybe something you might make a note of and use as a reference point you might like to check again in the future. That’s all for today guys, but remember to tune again over the weekend for further news and updates. Thanks for reading and see you all then!

The post 12/10/2013. Interview With PexPay Payment Processor appeared first on MNO Blog.

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