General Information
GPal, Inc. is a financial payment processing engine that allows its users to pay anyone with an email address.
Funds stored in your GPal account are covered by FDIC pass-through insurance up to $100,000 (see our user agreement for details).
A massive effort several years in the making, GPal offically launched On November 3, 2009 following extensive testing, development, and certification.
GPal, Inc. is self-funded, debt free, and PCI compliant.
Currencies
USD
Countries of use
USA
Users
all
Fees
For Personal Accounts:
* 2.8% + $0.30 for all transactions
For Premier Accounts:
* There are no monthly or setup fees for a Premier account.
* 2.8% + $0.30 with monthly transaction volume below $5,000. (includes access to Virtual Terminal)
* 2.7% + $0.30 with monthly transaction volume above or equal to $5,000. (includes access to Virtual Terminal)
Account Limits
Sending, receiving, and withdrawal account limits generally apply to personal, or Premier accounts (as applicable). We may impose different limits on actual accounts. Actual account limits may be affected by several factors, including without limitation, our assessment of the risk associated with your payment account, the personal information you provide, and our ability to verify information that your provide or we obtain from other sources. We may require evidence of your identity before raising an account limit or initially permitting you to send, receive, or withdraw funds from your payment account. Once you have established a payment account, you may access your account information to see the specific rights and limits that apply to you.
Personal and Premier Accounts
* Personal and Premier accounts may recieve funds under any conditions, even if they have not entered bank account or credit card information.
* Personal and Premier accounts may send money without limitation with any form of payment on file (credit card or confirmed bank account).
* Personal accounts with only a credit card or confirmed bank account on file are limited to withdrawals totaling $1,000 per month. This limit will be raised or removed entirely by adding a credit card or confirmed bank account or upgrading to a Premier account.
* Personal accounts with both a confirmed bank account and a credit card on file may withdraw up to $5,000 per month. This limit will be raised or removed entirely by upgrading to a Premier account.
* Personal and Premier accounts may withdraw funds to verified bank accounts or via paper check (with an additional $1.50 fee) sent to the verified billing address of their credit card.
Integration approaches
- Send Money to anyone with an email address.
- Easily pay for anything using the web.
- Sign-up is free, quick, and easy.
GPal is an alternative to PayPal™, Google Checkout™, Amazon Payments™ and OfferPal™ that does not discriminate based on the nature of your transaction, requiring only that the merchandise or services you purchase be legal. See our User Agreement and About Us for more.
("PayPal" "Google Checkout" "Amazon Payments" and "OfferPal" are Trademarks of their respective companies, with which we have no affiliation. )
Information for developers
GPal Subscription Payment System
The GPal Subscription System
With the GPal subscription system, you can accept regular subscription payments from your customers using our gCheckout or gClick API payment methods (documentation provided separately). Simply use the standard payment API fields and a few special subscription fields to provide GPal with the necessary information to begin the subscription and schedule the payments.
In addition to the regular payment API fields, send the following fields with your request:
Required Fields
Below are the fields that are REQUIRED by the API to initiate the subscription.
sub_id
Data Type: String
Maximum Length: 50 Characters
Description: A unique string generated by the merchant to identify a particular subscription. Passing this subscription ID will allow you to retrieve information about the subscription after it's created.
sub_term
Data Type: Integer
Maximum Length: 4 Digits
Description: Numerical component of the payment frequency. For example, a subscription premium to be paid every 30 days would get a value of 30 for this field.
sub_term_unit
Data Type: String
Maximum Length: 1 Character
Accepted Input: D, W, M, Y
Description: The payment frequency unit component to indicate day, week, month or year. For example, a subscription premium to be paid every 3 months would get a value of M for this field.
Optional Fields
The following fields are OPTIONAL. They can be used to provide additional information about the subscription to the API.
sub_length
Data Type: Integer
Maximum Length: 4 Digits
Description: The numerical component of the lifetime of the subscription. For example, for a subscription that would be active for 2 years and then expire, pass a value of 2 for this field.
sub_length_unit
Data Type: Integer
Maximum Length: 1 Character
Accepted Input: D, W, M, Y
Description: The subscription lifetime unit component to indicate day, week, month or year. For example, for a subscription that would be active for 90 days and then expire, pass a value of D for this field.
sub_auto_renew
Data Type: Binary
Maximum Length: 1 Digit
Accepted Input:1 or 0
Description: To automatically renew the subscription after its lifetime has expired (as defined by 'sub_length' and 'sub_length_unit'), pass a value of 1 for this field. Default is no automatic renewal.
NOTE: If the optional fields are not passed, the subscription will be ongoing and will never expire. The subscriber will continue to get charged the subscription premium until they cancel the subscription. A subscriber can deactivate their subscription to you at any time in their GPal "My Account" view.
