He said 1. Nielsen data suggests that as recently as 2016, 66% of Kiwis used online shopping, with that figure projected to hit 83% by 2026. New Zealand Transaction Pricing Windcave transaction pricing is designed as a consolidated service package for all popular payment methods and includes a merchant account and payment gateway. We never recommend disclosing your password to any other person or website other than anz. POLi Payments Support teams have been disbursed (as per the Australia Post / SecurePay Pandemic Response Plan) to their home office environments. About POLi Payments. It offers a wide range of sports and events to bet on, including popular Australian sports like AFL and NRL, as well as international sports like soccer and tennis. Key features. Online payment gateways are cloud-based software while in person retail gateway's are often included in POS systems. Currencies. Microsoft is another method to pay with POLi enabling shoppers and merchants to transfer money at their. POLi for Charities & NFPs Make it a breeze to donate to your organisation online without complicated technical setup or high fees, while maintaining ease of use for donors. Merchant Account ID (MAID) 1e11f676-f3f7-4ca2-ad26-e5fe870f676b. The POLi payment service is distributed in New Zealand by local company Merco Ltd. 1. Accepted by over 1,600 merchants New Zealand wide, IE PAY’s customized mobile payment solutions can be accessed anytime, anywhere. How to Pay. POLi Casinos in New Zealand. New Zealand Merchants - Special characters: @-=:?. How does POLi work?What is POLi? The customer logs into their bank account via POLi which automatically fills out the transaction details for them - so there’s no chance they can enter the wrong payment amount or an incorrect account number. Fast Payout Casinos New Online Casinos Real Money Online Casinos Safe Online Casinos Top Payout Casinos Minimum Deposit Casino Sites. so sick of going to shops, even major chains, and "no paywave" stickers on the eftpos machines. Payments They Can Trust. If you do not have a POLi account, please create one using the steps below (See steps below for Australia and New Zealand). Merchant login. 4 million Kiwis. nz registered under . This is a great option for merchants to offer an alternate payment method for. It’s designed to bridge the gap between your bank account and online merchants , making it easy for users to make payments without needing a credit card. How POLi Works If you’re a merchant,. Use Poli to pay for your flights when booking through Alternative Airlines. co. 95. co. Do you use Xero in your business? Did you know POLi is integrated with Xero for invoice payments? This makes reconciling so easy! Find out more and start…5) In the list of payment methods find “POLi Payment Gateway” and add your Merchant Code and Authentication Code and select your chosen countries where POLi Payment is available such as ‘New Zealand’ 6) Scroll up the page and click “Save Config” on the top right hand corner. Reset Password. It is available on many online platforms and merchants, including casinos. This normally occurs within 2 business days. Input your Merchant Code and Authentication code into the Production Credentials section and. Search for POLi using the payment methods or provider search bar. The fees will vary from one bank/provider to another, but watch out for these in particular. In addition, Wheelz rewards players simply for. New Zealand Police: It's essential to clarify that the New Zealand Police isn't directly related to POLi Payments. , located in Melbourne Australia. When opening Payment Page, you can have Payment Page opened with the Poli. POLi is a great alternative for people without credit cards, or for those who have them but would prefer not to use them to shop online or pay a bill online. They offer two types of plans, each type has multiple tiers to choose from, depending on what your business needs. How to Apply for POLi. Worldline (Online EFTPOS). POLi. Polipay. Politics in Nigeria has transformed into an enterprise rather than a platform for social service. POLi allows people to make online payments without a credit card. Each unique visitor makes about 1 pageviews on average. You will receive an email from Sporty support when POLi has been turned on, ready for you to connect. Enter your email address into the field provided and you will be sent a link to verify the reset of your password. POLi Payments Pty Ltd (formerly known as Centricom) is an online payments company based in Melbourne, Australia. OVERVIEW. Shopify Join over 1500 businesses who are reaching more customers with POLi. If it is a POLi mobile casino, you will be able to make a POLi deposit using your mobile device. co. Software Integrations Find a solution using our software integrations that support POLi. Depending on which one you choose, you could be receiving payments instantly or waiting for a number of days. co. This makes it convenient to deposit and play at this renowned online casino. Conclusion. You’ll receive details of your POLi Merchant account by email form POLi, as well as details of the POLi Console which provides full management and reporting functionality. Around 1. Although some merchants add an additional fee, avoiding any online gambling. POLi uses a proxy server between the customer and the internet banking site, which has advanced security against DNS poisoning and other threats. Send the link to your customer via email or txt or embed in your invoice. Operational. Sell with POLi. The payment firm was awarded to be the influential “Payment Provider of the Year” in 2014 during the e-Gaming Review Awards Australia in Sydney. This provides a greatly improved user experience for customers on smart phones or tablets. Select the app ‘POLi – NZ’ Click ‘Activate’. Accepting credit card payments online via PayPal. 14053. As well as offering POLi as a payment option on your e-commerce website’s checkout, you can also: t Connect your Xero account to POLi so customers can pay your invoices using POLi. This may include selecting which account you wish to pay from, and a second factor. Never pay more than $3. nz server is located in New Zealand, therefore, we cannot identify the countries where the traffic is originated and if the distance can potentially affect the page load time. POLi is a great alternative for people without credit cards, or for those who have them but would prefer not to use them to shop online or pay a bill online. Players prefer gambling sites with flexible and swift payout banking options. Successful delivery of the Nudge is mandatory for all POLi transactions and is a requirement in order to complete the QA test and be set live. Some key features we provide are: Post JSON over HTTP (s) to POLi REST endpoints and receive JSON data as response. Read on. This payment gateway has no set up costs, and no recurring service fees. Because you log in to your internet banking via the. How POLi Works If you’re a merchant, increase sales & customer satisfaction with POLi – the simple Internet payment option with low fees. Dedicated account. Our security features are guided by its framework, which means:POLi. As. If you are an enterprise business you might be eligible for tailored pricing. Setup Fee: $149 + bank fees. Its system is designed to handle real-time transactions, batch payments, and also recurring payments. Online casino sites where you can play slots with POLi. Used to specify a New Zealand reconciliation format. TIP – Remember, with a direct bank transfer payment system like POLi, you don’t need a merchant account. Reach more customers: Let them choose how they pay - 40% of POLi users have a credit card but choose to use POLi. Introduction. Besides these global brands, Kiwi's also frequently use POLi and AfterPay when purchasing online. au, Ladbrokes, CanTeen, mHits, Pepperstone, Qantas Cash. There is no credit or debit card required to make a payment using POLi, only a bank account with any of the supported banks within the region. e. Select your country or region. POLi Payments Pty Ltd (formerly known as Centricom) is an online payments company based in Melbourne, Australia. 4% + $0. In addition to having a merchant. It is a prevalent online payment system in Australia and New Zealand and is accepted by different Merchants and customers in both countries. POLi allows consumers to make an online payment for goods and service, or pay a bill online using the security and convenience of Internet Banking. FREE NZ SHIPPING by NZ POST for orders $50+ / AUS SHIPPING by DHL ($40 for order up to $199. POLi is a debit payment system which allows your customers to make immediate payments directly from their bank account. New Payment Processor. Many Australians rely on the POLi payment method because service fees are low so they have an affordable online payment method for all types of gaming activities. 00 (excl. co. 2% per transaction plus Stripe fees. 3. Websites means our websites at and any other website we may have; and “you” and “your” means any Customer, Merchant or other person who uses our Website, the Poli Payments System, any other services we offer or who gives us Personal Information about themselves, as. Merchants can access a significantly greater market. If you would like to update your account information in our Merco Merchant Services (MMS) portal, please follow the instructions below: To view your company information, navigate to ‘Account Settings‘ from the navigation bar. This normally occurs within 2 business days. Founded in 2004, POLi has an extensive set of resources to help clients and merchants make the most of their payments. However, for matters that might necessitate police intervention (fraud, scam. Operational. June 13, 2023. In fact, it is common to merchants online including casinos in New Zealand. Schools To keep your school’s cash flow running smoothly and make it as easy as possible for parents and other parties to make payments. Sell with POLi How POLi Works If you’re a merchant, increase sales & customer satisfaction with. For now, Aussie and New Zealand players can head to one of our recommended casinos and use POLi to start playing the pokies for real money in AUD or NZD. “POLi has been in business for over 17 years and during this time has been a leading Account-to-Account payments solution, providing a fast and cost-efficient way for customers to pay and merchants to receive funds,” Australia Post said in a statement. If you are certain you have, please contact POLi Help desk. POLi Payments. In positive news for online retailers, e-commerce activities have continued to increase in popularity in New Zealand over the past years. [16] [17] [18] The release also claims that ASB has asked. Windcave facilitates seamless ecommerce, retail and unattended transactions for customers around the world. The Issuu logo, two concentric orange circles with the outer one extending into a right angle at the top leftcorner, with "Issuu" in black lettering beside itWhile some of the big social media shops enable in-app payments for users in the USA, here in New Zealand you’ll need to direct customers to your website. It can allow an instant transaction to take place with out as much cost as a credit card transaction. Super low rates: We have some of the lowest transaction fees in New Zealand! POLi is a quick, easy-to-use, low-fees online payment option, helping to improve back office efficiencies for your business at the same time. How Poli Works. If you have suggestions/feedback, or queries regarding your account please contact travelcardadmin@airnz. What is POLi? POLi is a direct online payments tool available to businesses here in New Zealand. About Press Copyright Contact us Creators Advertise Developers Terms Privacy Policy & Safety How. It’s free to use when paying for a WorldRemit. Roughly merchant sends something to your bank saying a an ID like phone number, says amount and if a once,. If a particular online casino is not offering POLi, I am afraid it may not be a trustworthy gaming operator. Payments they can trust: POLi lets your customers pay quickly and easily using their online banking account. POLi is available only for the consumers available in Australia. The most common payment options in New Zealand. The New Zealand Transport Agency was the very first merchant to offer POLi payments to their customers. From this page, you will be able to update: Upon making any changes, please scroll down to the bottom of the page. Create new opportunities to support your customers. AUCKLAND, NEW ZEALAND - - POLi Payments growth in the online travel space continues to gain momentum with the recent announcement of two high profile airlines to their merchant platform. While POLi is supported by many different types of popular merchants, two of its most popular applications for these two activities. The merchant’s account sort code where the funds were to be paid. POLi is a prominent online payment method, especially popular in New Zealand and Australia. Poli casinos are the best sites for gambling online in NZ. Accepting credit card payments online via a payment gateway. When paying, customers just click on the POLi payment method on the merchant’s website and then they will be asked to login to their online bank account. Once you’ve selected POLi as your payment method, you will be redirected to the POLi Landing page. POLi Endpoint. Director. It is highly used in New Zealand and it also carries out financial transactions in New Zealand dollars (NZD). If you are locked out or unable to remember your password, please email support@polipay. What is POLi Payment in NZ . In order to add the Stripe credit card gateway, follow the steps below. Wheelz is a cutting-edge online casino that accommodates New Zealand players by incorporating the well-established POLi payment method, ensuring a seamless and secure gaming experience. 7% + NZ$0. When your customer clicks on the link, they are taken through the POLi. Software Integrations Find a solution using our software integrations that support POLi. Payment processing fees. The 1% fee contributes towards the $5. New Zealand players choose POLi as their main casino deposit method. 2 million Kiwi’s in the last two years. If you do not have a POLi account, please create one using the steps below (See steps below for Australia and New Zealand). If you encounter this issue update your Internet Banking “Online Code Preference Settings” to resolve the issue. Never pay the full price at checkout again. Password. While POLi Pay is free for users, merchants need to pay transaction fees. NZ$20 Min. We believe no one should pay the cost of someone else’s ‘free’. Certified with all the major credit card schemes and PCI DSS. 00 monthly fee. #polipayblog 2The POLi payment service is distributed in New Zealand by local company Merco Ltd. With 2. ANZ SMS Code Support. Shopify Join over 1500 businesses who are reaching more customers with POLi. A merchant account is a holding place for the buyer’s money, where it waits to be deposited into the seller’s business bank account. Founded in 2004, POLi has an extensive set of resources to help clients and merchants make the most of their payments. You can make payments via POLi at numerous well-known brands and established brokers including TransferWise, Western Union, Pepperstone, IC Markets and CMC Markets. You don’t have to register, so no information is stored that can be used to access your bank account. Check other websites in . Scoot Airlines adds POLi as a payment option. When you pay with POLi the transaction is completed within the security of your bank's online banking service and at no time are. We have a wealth of information about New Zealand payment gateways, online payments, and loads of other great tips and information for ecommerce merchants. POLi. Consumers and merchants across New Zealand and Australia use the online payment method. Login. This engaging platform captivates newcomers with an enticing bonus of up to $800, along with 100 free spins. If you wish to discuss this further please contact the FastNet team directly on 0800 327 863 or +64 9 306 3185 (Toll. This payment system ensures a safe and secure way of depositing money online and there’s no need to use a digital wallet because the transaction will be done automatically from the player’s bank account to. 3. 2 ) Enter the information of the account you wish to block Note: Enter BSB for AU accounts and Bank + Branch number for NZ accounts. by offering POLi, Shopify merchants can. POLi is an online payment option you can use to pay directly from your bank account. For example, on a $1000 sale, the merchant may charge their customer $1020 to pay. NZ zone. Operational. A better minimum deposit is $1. By using the POLi™ Service, you agree to be bound by the Terms in respect of POLi™. String: String: MerchantAccountSuffix: The merchant’s account suffix where the funds were to be paid. AUCKLAND, NEW ZEALAND - - POLi Payments growth in the online travel space continues to gain momentum with the recent announcement of two high profile airlines to their merchant platform. How. Currently only available to our New Zealand vendors, POLi charges a minimum monthly fee of $5. POLi is available for Merchants with a bank account in: New Zealand; Features The POLi payment service is distributed in New Zealand by local company Merco Ltd. In fact, you may have already seen us in use by brands like Air New Zealand, PB Tech, MightyApe and Waka Kotahi (NZTA). Conclusion. Two step-verification can be completed using one of the three available channels: ASB. Merco is focused on making POLi the online debit payment method of choice for New Zealand. It is designed for merchants to accept online payments directly into their bank account in real time, by creating a one-off online payment utilising the online banking system. Forgotten password?POLi is available for Merchants located in: Australia; New Zealand; Features. The payment is transferred directly into your bank. Log into your bank account using POLi. AUD, NZD. 7b ii) Input your Australian and/or New Zealand POLi Merchant and Authentication Codes 7b iii) Select the options you would like in your Particulars, Code, and Reference field 7b iiii) Tick the box to enable POLi in the checkout and Click “Save settings“ You are now set up and ready to accept POLi payments on checkout!Select the POLi payment option when you checkout. 1st DEPOSIT 100% UP TO $100 + 100 Free Spins. Accepted by over 1,600 merchants New Zealand wide, IE PAY’s customized mobile payment solutions can be accessed anytime, anywhere. POLi is a technology developed by Australia Post. nz page load time and found that the first response time was 659 ms and then it took 3. It is the developer and provider of POLi, an online payment system that is used by merchants and customers in Australia and New Zealand. nz server is located in New Zealand, but, unfortunately, we cannot identify the countries where the visitors come from and thus it’s impossible to define if the distance can potentially affect the page load time. 1012. This is the Bank and Branch codes respectively. How POLi Works If you’re a merchant, increase sales & customer satisfaction with POLi. 4 sec to load all DOM resources and completely render a web page. POLi is available for Merchants with a bank account in: New Zealand; FeaturesThe POLi payment service is distributed in New Zealand by local company Merco Ltd. PayID will be an additional payment option available to your customers. It offers a very secure alternative to some of the. How to; Basic Authentication; How to offer POLi to your customers {info} Note: For more information on the POLi Console, please refer to POLi Console. Paying with Paypal. Software Integrations Find a solution using our software integrations that support POLi. The only requirement is that you must be banking with one of the many NZD-accepting institutions that are partnered with this service – here is a list of them:. As soon as the customer confirms the payment, POLi notifies you the payment has been successful. The POLi ID to be mapped to the Payee Particulars field and the merchant supplied data (if any) to be mapped to the Payee. 3 million of us using the system over the past few years. POLi Console: Login. Note: The above outlines the transaction related fees under the traditional method of payment and the new PayID method of payment. As merchants of all shapes and sizes continue to embrace the online marketplace (utilising e-commerce store development solutions such as Woocommerce, Shopify. Shopify Join over 1500 businesses who are reaching more customers with POLi. In fact, you may have already seen us in use by brands like Air New Zealand, PB Tech, MightyApe and Waka Kotahi (NZTA). To protect the integrity of the brand, it is important that merchants adhere to all aspects of this document. The fees will vary from one bank/provider to another, but watch out for these in particular. How POLi Works If you’re a merchant, increase sales & customer satisfaction with POLi – the simple Internet payment option with low fees. To find out more or to discuss subscription options, please email: [email protected] Payments Pvt limited was known formerly as Centricom, was founded in the year 2006. 45 per transaction made within New Zealand. co. Online spending in New Zealand is on the rise. e. *. Pay 1/6 today and the rest over five weeks. checking or savings). Air New Zealand | Air Points - POLi - This can't be true, we've not had any Air NZ management defending the changes, pointing out that there is no loss of service to frequent fliers and it offers more choice to all customers. 2; POLi is already trusted by major brands like Air New Zealand and NZTA. 2 million Kiwis trust POLi and have used it in the last three years, with 2800 plus merchants in New Zealand and substantially more in Australia. Communication Formats. for domestic cards. POLi is a major eCommerce payment solution used by more than 1600 Shopify Businesses throughout New Zealand. Land Transport New Zealand (now the New Zealand Transport Agency) was the very first merchant to offer POLi payments to their customers, and since then many other government agencies, airlines, online retailers and billers have joined in to offer their customers a more convenient and safe way. Stripe - $0. 30 per transaction. Latipay now offers Poli-pay for Australian and NZ merchants, along with global merchants wanting to accept payments from NZ and Australia. When paying, customers just click on the POLi payment method on the merchant’s website and then they will be asked to login to their online bank account. POLi. Poli payment nz casino has gained significant popularity and availability in New Zealand. POLi Payments has been acquired by SecurePay Holdings, a fully owned subsidiary of Australia Post. co. Paystation. It is a trusted payment solution used by over 1. A payment gateway is a mechanism that communicates transaction information between the customer and the merchant. Format. online booking with Air New Zealand or Jetstar, paying the New Zealand Transport Agency or The Warehouse on their websites of 4 /4 Match case Limit results 1 per pageMerchant Admin Portal. Tech correspondent Paul Spain spoke to The AM Show about POLiThe POLi payment service is distributed in New Zealand by local company Merco Ltd. POLi has numerous server side transaction integrity checks to ensure no tampering. The InitiateTransaction web service is used to initiate a POLi transaction with details specified by the merchant. Westpac’s Get Paid payment solutions make it easy to do business. polipay. nz presently has a traffic classification of zero (the lower the better). Windows updates, and virus protection updates are applied regularly to POLI's servers. It is a trusted payment solution used by over 1. Or you can opt to receive weekly or monthly payouts. Merco Merchant Services (MMS) URL. Delayed payments may arise where certain financial institutions hold up or delay the settlement or processing of transactions for a period of time due to their internal processes. UNSPLASH. Polipay. co. Transaction Fee: 2. Fair for all. What is a merchant account? A merchant account is a special type of bank account that receives funds that have been authorised by a payment gateway. Shop. Kiwibank. 2 ) Enter the information of the account you wish to block Note: Enter BSB for AU accounts and Bank + Branch number for NZ accounts. for international cards*. The site offers a vast collection of games and attractive bonuses to enhance your gaming experience at one of the top online casinos in New. For customers, using PayPal to purchase from a business is usually free – because the merchant is covering the costs. TSB Bank. Latipay’s online payment gateway integration is available globally via API plugins for all leading e-commerce platforms, meaning Latipay’s online merchants span multiple countries and almost all sectors. We here at POLi are a competing product to BNPL and even we are saying you should look into it. Banks need to tighten up on merchants charging fees, and incidentally they need to make paywave mandatory. AUCKLAND, NEW ZEALAND - - POLi Payments growth in the online travel space continues to gain momentum with the recent announcement of two high profile airlines to their merchant platform. It is down to the merchant (i. When your customer clicks on the link, they are taken through the POLi payment process with the dollar value and payment references provided. POLi is a digital payment option that facilitates online transactions from your bank to a NZD casino. the past 10 years, New Zealand Pure / NZ Gold Merchants is known and respected Dealership. A Completed Transaction, Cancelled Transaction, Receipt unverified and Failed Transaction. Hence you have to have complete trust in the merchant (the owner of the site in the address bar). When you have received your POLi merchant credentials, input these and click Connect. We have a wealth of information about New Zealand payment gateways, online payments, and loads of other great tips and information for ecommerce merchants. Weigh up the pros and cons and decide if the merchant fees are worth the convenience to your customers. Polipay. In 2020, 66 New Zealand businesses earned an ISO 27001 certificate, almost double from the previous year (ISO Survey 2020). The payment option is available in New Zealand and a few other countries. The payment method also allows users to save money by avoiding unnecessary transaction fees. Weigh up the pros and cons and decide if the merchant fees are worth the convenience to your customers. Over 4,000 businesses throughout New Zealand have signed up for POLi. Where to use POLi and more. Complete the POLi application form here to enable POLi to be linked to your Sporty site. Payments every day arrives in Aotearoa New Zealand. Nigel is a director of Merco Ltd who is the master distributor of the POLi payment system in New Zealand. 2 million Kiwis' trust Poli and have used it in the last three years, with 2800 plus merchants in New Zealand and "substantially more in Australia and internationally". You don’t have to register, so no information is stored that can be used to access your bank account. The payment is protected by your bank's authentication and security. To run these test transactions please follow the below instructions: To Start this process, add an item to your cart and select the POLi Payment option at. 2. POLi benefit with instant transactions and high-grade encryption⚡Best POLi online casinos in New Zealand requiring no account 😍The POLi nudge ensures that the merchant receives a real-time notification that a transaction has reached a terminal state. POLi is favoured by customers and merchants as it guides the customer through the seamless payment process. Internet banking continues to be FREE. The primary reason cited for this decision is the reduced acceptance of the POLi platform by three major banks, rendering the business model. This change will impact direct credit transactions, direct debits, automatic payments, and bill payments. It is an online payment method that people and merchants alike like to use because it takes the user through the payment process step-by-step. Pay with Internet banking Log into your bank account using POLi. If you would like to take advantage of our new features within the Merco Merchant Services (MMS) Portal, you will need to upgrade your account. What is POLi ? POLi is an online payment option which facilitates a Pay Anyone internet banking payment from a your bank account to a merchants. Internet banking is a great payment option if you do not have a credit card, or would prefer not to add to your credit card balance. Land Transport New Zealand (now the New Zealand Transport Agency) was the very first merchant to offer POLi payments to their customers, and since then many other government agencies, airlines, online retailers and billers have joined in to offer their customers a more convenient and safe way. It is a fast, convenient and secure way to make deposits and withdrawals online. com. co. 30 fixed. Find out how to get paid quicker, easier and more cost effectively with POLi. What fees do merchant accounts charge in New Zealand? Like all services, there is a fee for establishing and using a merchant account. Note: This is only applicable to New Zealand merchants: String: String: 000: MerchantAccountNumberCheck out what POLi Merchants have to say about POLi payments. Sadly, some banks do have standard charges for payments made using POLi. Our POLi API is created around the REST architecture to be as secure, intuitive and as flexible as possible. Jeff Skidmore. Learn more: NZ consumers’ top 5 ways to pay online; The decision to offer BNPL is a personal one, but definitely worth considering. " * " indicates required fields. The parent company offering POLi payment facility is Centricom Pty Ltd. Most New Zealand banks can provide merchant accounts. Back. co. NZ zone. POLi is a common and familiar online payment method for Australian and New Zealand players. Best alternatives to POLi casino payments. It redirects the customers back to the original website once the transaction is complete. New Zealand Police: It's essential to clarify that the New Zealand Police isn't directly related to POLi Payments. POLi payment is an online payment service in Australia and New Zealand that allows you to make a secure payment from your internet banking portal directly to a business such as WorldRemit. Connecting an Existing POLi Account. You can check for the Nudge delivery status by running a transaction report and drilling. 00 per transaction. : Appears as a result of payment not going through due to incorrect payment amount, checks completed by bank. How POLi Works If you’re a merchant, increase sales & customer satisfaction with POLi – the simple Internet payment option with low fees. These are called commercial payment fees, and are just. Transaction Status. It’s free to use when paying for a WorldRemit. 30. There is no credit or debit card required to make a payment using POLi, only a bank account with any of the supported banks within the region. No hidden fees & no subscriptions, no monthly costs. How POLi Works If you’re a merchant, increase sales & customer satisfaction with POLi – the simple Internet payment option with low fees. To protect our customers from fraudulent transactions, we may ask users to complete two-step verification if we notice something unusual about their POLi or Account2Account login, or they have not used these third-party payment products in a period of time.