In order to onboard the credit card payment method, a company must be registered in one of the countries listed below.

Austria	Guernsey	Netherlands
Belgium	Hungary	Norway
Bulgaria	Ireland	Poland
Croatia	Isle of Man	Portugal
Cyprus	Italy	Romania
Czech Republic	Jersey	Slovakia
Denmark	Latvia	Slovenia
Estonia	Liechtenstein	Spain
Finland	Lithuania	Sweden
France	Luxembourg	Switzerland
Germany	Malta	United Kingdom
Greece	Monaco	United States

Note: This does not apply to other payment methods such as wires, FX conversions, and Instant payments. To view the list of countries that we can onboard on Paynode go to Country Requirements.

Card Processing Currencies

Overview of card payments

Paynode makes business aviation payments seamless

Paynode provides quick and easy credit card payments, a secure system and simple interface, and transparent payment tracking.

How do card charges work on Paynode?

Create a Payment Request
You start the process by sending a payment request to your customer.
How to create a Payment Request
Credit card fees

Percentage fee based on card type for each credit card payment

(Credit card fees are dependent on the card used.)

Paynode Fee Schedule
Your client pays
Your client receives an email with a link to submit payment and pays.
How your customer pays
Each transaction is checked for fraud
The transaction is authenticated using 3D Secure and checked for potential fraud.
What is 3D Secure
If the cardholder is not a passenger, then one passenger name is collected and screed against sanctions lists.
Confirm Services Rendered
Funds are held in your name until you self-certify that the first leg of the journey has begun.
How to Confirm Services Rendered
Get paid
Funds are disbursed to your Paynode account.
When to expect receipt of funds

Track the status of a card payment

Payment Status

The current status of a Payment Request is shown in your list of Payment Requests.

Or you can find the status in the upper left-hand corner of the Payment Request.

Payment History

You immediately know what has happened to your Payment Request every step of the way when you look at its History.
Go to the Payment Request, and click on History.

Payment Status and flags

Credit Card Processing Time Frames

When will I receive my card payment?

Funds are disbursed to your bank account once two conditions are met:

You have Confirmed Services Rendered
AND
Paynode has received the funds from the card issuer

If payment is received for an air charter service that has already taken place and Confirm Services Rendered is clicked immediately, it takes approximately 2 - 4 business days for funds to be disbursed and 0 to 1 day to arrive in your Paynode account.

How can I check the status of my card payment?

Below is an example from the History Tab on a Payment Request that shows when payment was received, when there was confirmation of services rendered, and when disbursement happened. Please note - the Payment Request does not show when the funds were received into the member's Paynode account.

Why is my card payment taking so long? How does card processing work?

The diagram below shows how card processing generally operates step-by-step.

In a successful scenario, neither you nor your client should be aware of it. It all happens quickly to confirm payment.

As you can see, there is a lot of activity along the payment channel, and the payout is dependent on each of these routes. The payout is opposite to payment confirmation. The card issuer transmits your payment request, who is then responsible for sending your payout through the original payment channels (as shown in the image above) to you. The payout process may take between 2 to 5 business days to complete.

The following describes how Paynode processes card payments:

You request payment from your client.
The payment link is sent to the client via a secure email.
They pay by entering their payment information through the secure or checkout link.
The transaction is reviewed by the risk management system (3DS) to make sure it is not fraudulent.
The payment request is routed via the card schemes (Visa, Mastercard, Amex (US only), etc.) to your client’s bank and requests authorization.
You receive a response from Paynode, and either processes the payment or tells you it was declined.
If the payment is authorized, the payment is confirmed for your business. It all happens very quickly.
Now, funds are routed back from the Issuer to you (the Merchant). See the image above. The card Issuer sends the payment to you.
The payout is received, and your Paynode account is credited.

Track the status of card payments

How the Cardholder Pays

This is how your client submits payment with a card.

Once you publish a Payment Request, an email is sent to the address you included in the Payment Request.
Your client receives the email, along with a link to pay.
When your client clicks on the payment link, they arrive at a web page that provides the details of the charges

4. Your client must click to accept your documents, as well as Paynode' s Terms of Use and then click to Proceed to Payment Details

5. Your client is then presented with a screen to submit their credit card details.

6. The transaction is screened through 3D Secure. Click here to learn more about 3D Secure.

7. Once payment has been processed, the screen shows that it has been paid and your client will receive a receipt via email which includes copies of the documents they accepted.

3DS (3D Secure) and How it Works

3D Secure - Authentication in order to reduce card fraud.

At Paynode, security is front and center. This is why we apply 3D Secure to each card payment.

What is 3D Secure?

3D secure is a security protocol that helps prevent fraud in online credit and debit card transactions. The purpose of 3DS is to authenticate that person using the credit card is in fact who they say they are.

Every time a transaction is authenticated with 3DS, you will have the assurance that the person using the card is actually the card holder. 3DS also protects customers while paying online, as it prevents other people trying to process a transaction without being authenticated.

How does 3D Secure work?

It is up to the card issuer to determine how the card holder will experience 3D Secure.

"Frictionless"
In some instances, the card issuer will opt to deliver a "frictionless" 3D Secure experience for the card holder. This means that the card issuer's logo and messaging may be displayed while the transaction is authenticated, but the card holder is not prompted to enter any credentials. This most often happens for repeat purchases.
"Authentication required"
In other instances, the card issuer will require the card holder to input their credentials. The cardholder is redirected to a "3D Secure" page (served by the issuing bank) and asked to authenticates themselves to the issuing bank by confirming their identity.

When 3D Secure is successful, the transaction is approved and the liability from fraudulent chargebacks (stolen or counterfeit cards) shifts to the issuing bank.

While Paynode applies 3DS to all transactions, not all cards are enrolled in 3DS.

Confirm Services Rendered

What is “Confirm Services Rendered”?

By clicking the “Confirm Services Rendered” button, you self-certify that you are verifying services have either been delivered, the service is on track to be delivered, or that the funds are allowed to be released according to your Terms and Conditions and Cancellation Policy. When your customer has authorized the card transaction, the funds are held with our card payment provider until you Confirm Services Rendered. Once you have confirmed services have been rendered and payment has been received, Paynode will disburse the funds to your bank account.

Why does Paynode hold the funds until I Confirm Services Rendered?

Credit card charges for air charter and charter-related services are considered higher risk because they are typically for “future services” (i.e you buy for a service today that will be delivered in the future) and they are for large amounts. In order to help mitigate this risk, the “confirm services rendered” feature helps our members (you) reduce their (your) credit card risk exposure while also reassuring end clients that their money is protected in case something comes up that prevents the takeoff of the flight.

How to Confirm Services Rendered?

When you expand the transaction to see further detail, you will have the option to click on Confirm Services Rendered.

I want to Confirm Services Rendered but I don't see the button. How can I confirm it?

The Confirm Services Rendered button becomes available within 7 days (168 hours) of the first leg of the trip.

What happens if I don’t Confirm Services Rendered?

Paynode will hold the funds received in your name until you Confirm Services Rendered. If you do not Confirm Services Rendered, the funds will not be disbursed to your Paynode account.

Refunds

What is a refund?

A refund allows you to send an amount charged on a credit card back to the original form of payment. You can refund the full amount or a partial amount. You can issue multiple refunds, up to the original amount charged on the card.

Best practice tip: ALWAYS refund money back to the original form of payment. If a payment was received via credit card then ONLY refund it back to the same credit card. Never provide a refund by sending a wire to a cardholder. By returning the funds back to the card, you eliminate any possibility of the cardholder requesting a chargeback for funds you have already returned.

How to request a refund

In order to issue a refund for an American Express, Visa, or Mastercard charge, click on the Request a Refund button on the Payment Request.

Refund fees

The cost of the refund depends on which type of card was used for the original transaction.

	Amex	Visa / Mastercard
Refund Fee	Original fees are reversed Refund fee of .2% is applied	Original fees are not reversed

Requesting a refund may result in a negative balance that is owed by the Paynode Member.

Refund time frames

If the funds have not yet been disbursed, the refund will be actioned within 1 business day.

If the funds have already been disbursed, then Paynode will provide you with wire instructions on where to send the funds. Upon receipt of the funds, the refund will be actioned. This timing of this process can vary, but may take up to 7-10 business days.
Once the refund has been processed, the Payment Request for the original payment will be updated.

Card Processing Currencies

Supported card processing currencies

Paynode members whose company is registered in Europe can process card transactions in five currencies: EUR, GBP, SEK, CHF and USD.
Paynode members whose company is registered in the United States can process card transactions in USD only.

Why card processing currencies vary by region

In order for process cards in a specific currency, the following criteria must be met:

Paynode must support the currency by establishing it within its house account.
The member's company must be legally registered in the currency's region / country (Europe or United States).
The member must hold a bank account in that currency that is located within the currency's region / country (Europe or United States).
The member's Paynode bank account for the specified currency must be registered with Adyen (the card processor).

Paynode accounts have banking details located in the UK, so all European based members can process cards in the 5 supported currencies.

Paynode accounts also have banking details for USD in the US which enables US based members to process cards in USD.

Request additional currencies

Is your company legally registered in Europe and you'd like to process card transactions in a currency not listed above? Please reach out to your CSM or contat us at support@paynode.com with your request.

Credit Card Payments Requirement

Cap on card charges

Card limits

There is a maximum amount you can request on Payment Request for a card charge or hold. There is a default cap of 100,000 USD (or currency equivalents in EUR, GBP and SEK) per credit card transaction and trip.

This cap is in place, along with a number of other measures, in order to limit some of the risks associated with credit card charges, such as chargebacks and card fraud.

The limit applies to the total value of the trip. It is therefore not allowed to split individual trips into multiple Payment Requests as a workaround to exceed the transaction limit. For example: if you have a trip for 150,000 USD, you cannot simply split the payment into 2 x 75,000 USD Payment Requests.

No cap on all other payment methods

Only credit card transactions have a cap. Paynode does not apply a cap on wires, domestic bank transfers, currency conversions, or instant payments.

Request an increase

If you need to process card charges or holds in amounts greater than 100,000 USD (or currency equivalents), you can request an increase. Please read more here (you must be a logged in member to review information regarding increases).

Volume limits for card charges

Viewership of this page is limited to members only.

30 day rolling volume limit for card charges

By default, Payment members are allowed to transact up to 500,000 USD (or currency equivalents) in card charges within a rolling 30 day period.

Why there is a volume limit

Our industry is deemed to be high risk by credit card schemes due to:

the high value (dollar amount) of individual transactions
charges are for services to be rendered in the future
high volume of holds that are not captured
card fraud and chargebacks

By establishing a rolling 30 day volume limit, Paynode is seeking to reduce the shared risk with members who have above average transaction activity.

How to request a volume increase

Paynode members who exceed 500,000 USD in credit card volume over any 30 day period must provide a minimum of 5,000 USD as a Paynode Member Reserve. The minimum reserve balance of 5,000 USD would allow the member to transact in monthly volumes up to 600,000 USD. There would be an additional requirement of 5K for every additional 100,000 USD in monthly card volume.

Click here for more information on how to set up a Paynode Member Reserve.

Once a member has reached a reserve of 20,000 USD or more, they also qualify for an increase in the limit on individual card transactions.

Paynode Member Reserve

Viewership of this page is limited to members only.

What is a Paynode Member Reserve?

A Paynode Member Reserve contains funds that are provided by the member and held by Paynode to act as security for members who expect to:

Process card transactions greater than 100,000 USD (or currency equivalents
and/or
Process card volumes greater than 500,000 USD (or currency equivalents) per month (6 million annually).

These funds are held by Paynode in a non-interest-bearing account.

Why are Paynode Member Reserves needed?

Our industry is deemed to be high risk by credit card schemes and with that, any transaction carries an elevated risk for a chargeback. By establishing a reserve we help to ensure that funds are available to cover any future refunds or disputes in the event a Paynode member is unable to cover the cost themselves.

How to establish a Paynode Member Reserve

Work with your Customer Success Manager to determine if you are eligible to establish a reserve.
Your Customer Success Manager will provide you with an Instant Payment request for you to pay.
Upon receipt of the reserve funds, Paynode will provide a statement showing the funds are held on behalf of the member.

How to cancel a Paynode Member Reserve

Please contact your Customer Success Manager or Paynode Support at support@paynode.com.

If a Paynode Member Reserve was established to allow a member to exceed the default monthly volume limit, then Paynode will make funds in reserve available to the member 90 calendar days after the last month that exceeded the default monthly limit. This delay is to ensure the risk of potential chargebacks has sufficiently passed.

Increasing card processing limits

Viewership of this page is limited to members only.

To prevent some of the risks associated with card processing, such as chargebacks and fraud, all Paynode members have a transaction limit on card charges and holds.

Criteria to increase card limits

To qualify for a limit increase up to 200,000 USD (or currency equivalents), Paynode members must meet the following criteria:

Avinode Group member for 1+ years
Paynode member for 3+ months
No chargeback losses over the last 12 months
Establish a Paynode Member Reserve of 20K USD

Once the Paynode Member Reserve is created, it also qualifies the member to have larger monthly card processing volumes.

How to request a limit increase

If you need to process card charges or holds up to 200,000 USD (or currency equivalents), please contact your Customer Success Manager directly or contact Paynode Support at support@paynode.com.