How Does this Help the Parallel Economy?
This solution allows you to spend your processing dollars with companies who share your values rather than major monopolies who've hijacked our payment processing sectors. We must first begin to vote with our dollars to cripple these "woke" processing companies while we continue to explore new payment methods that don't contribute to causes we directly oppose.
Why Do I Need To Give You My Login Credentials?
You do not have to use this service. You may register your bank the old-fashioned way, manually.
Also, you are not giving us your credentials. We never have access to your login details. Here is how it works:
1. You choose your bank.
2. We send you to your bank's authorized 3rd party log in partner.
3. You log in to your bank.
4. Your bank passes a token through the 3rd party directly to your device.
5. Each time you process a deposit or payment, we use the token.
The process is much more secure than manually adding your routing and account number. However, that option is available to you.
Don't want to use your credentials? Make sure and manually add your account details.
I Do Not See My Bank Listed, or The System Doesn't Work For Me.
You can add your bank account manually. Watch the Video Tutorial. Why is it not listed? Your bank does not currently work with the software we utilize to process a token with our technology.
Try Registering Your Account Manually:
1. Go to SETTINGS on the menu bar.
2. Click on MANAGE BANK ACCOUNTS.
3. Click ADD NEW BANK ACCOUNT.
4. Click on NO THANKS - ADD BANK MANUALLY.
After completing this step, you will receive two small deposits in the account you provided.
To verify the bank account:
1. Log into your account.
2. Go to SETTINGS on the menu bar.
3. Click on MANAGE BANK ACCOUNTS.
4. Locate the bank account and CLICK ON THE GREEN CHECKMARK.
5. Enter the two deposit amounts you received.
6. Click on VERIFY.
How Can I Protect Myself From Fraud on My Bank Account?
If you have money in a financial institution (bank) that you wish to protect, the best way is to open an account at a completely different financial institution. Transfer small amounts into that new account, and use that account in conjunction with everything you do online; It is the best way to protect your assets.
Why Does Our Bank Login Look Different Than Yours?
We utilize bank-approved software which connects to each bank's secure API for login and tokenization. The colors and style may be different from your bank's login screen. Your bank's login is for full usage. The system we use is for tokenization and single-use verifications. You can manually add your bank account if you prefer not to use our bank login technology.
Why am I Limited to How Much I Can Send and Receive?
Due to Know Your Client (KYC) laws at the State and Federal levels, plus we guarantee funds for all of our recipients, we limit transaction volumes for every account. Upgrading to a higher level User account may increase your ability to send and receive.
How Do I Verify My Email and/or Mobile Phone?
To verify your email or phone number:
Go to SETTINGS on the menu bar.
Click on EDIT PROFILE.
The link to verify your email is under your email.
The link to verify your phone is under the phone number.
If you need to verify your phone number, make sure the number can accept text messages. We will not call. Follow the link in the text message you receive.
If you need to verify your email, look for our email in your inbox. It should arrive within a minute or two. If it does not, check your spam folder.
If you change your email or phone number on file, click SAVE at the bottom of the screen. You will then need to re-verify each changed email or phone number.
Can You Transfer Funds From Bank to Bank?
You may not transfer funds from one bank account to another, as it violates our terms of service. Most banks already offer this service for free. We pay a fee for each debit and credit we perform. Therefore, we do not allow this type of service.
How Much Does This Cost?
With the GabPay App, you pay 1.9% per transaction + $0.15. Users can choose to pay, defer the cost to the other party, or split it.
How Do I Send to a Person or Entity that is Not on GabPay?
When sending, enter their email or mobile number. The receiver will get an email or text letting them know they have money waiting. Your receiver will accept the terms and receive the money in their new, free user account. They can withdraw the funds to almost any bank in the United States or use them to send to others.
FYI: You can pay the fee, split it with the receiver, or make the receiver pay. If the receiver does not accept, the transaction will automatically cancel in 72-hours.
Is There a Cost to Withdraw My Money?
No, at this time there is no cost to deposit (load) or withdraw funds from your user account.
I Cannot Withdraw. What is Wrong?
1. Is your bank account on file and active?
If you manually entered your bank account information, please verify the two micro-deposits we sent to your bank. A single withdrawal will follow two deposits. Only enter the two deposit amounts.
2. Has the balance been available in your User Account for 72-hours?
We require that all transactions be in your account for a minimum of 72 hours before you can withdraw. We do this for security reasons.
3. Have you added your social security number?
We require your SSN before you withdraw. Go to SETTINGS on the menu bar. Update your SSN in your profile and click the SAVE button at the bottom.
4. Have you uploaded your required ID?
We require an ID. Go to SETTINGS on the menu bar and click on MANAGE REQUIRED DOCUMENTS. Make sure each item fully uploads and the screen flashes. The item will then show as Pending Approval. We approve new submissions daily between 9 am and 5 pm Eastern, except on weekends and holidays.
5. Have you verified your email and phone number?
Make sure that you verify both your email address and your telephone number. Go to SETTINGS on the menu bar. Click on EDIT PROFILE. Look under your email address or phone number for the verification link. Your phone number must be able to accept text messages. If it does not, make sure and add one that does. If you do not have a mobile phone, free services such as TEXTFREE allow you to register and use a free text number.
Is the System Secure?
Yes. We use a Level-4, Military-Grade-Encrypted Web Application Firewall. We use the same company that the UK Government and other governments, banks, and major processors use globally. We do regular 3rd-party PEN (penetration) tests.
Do We Perform Security Audits?
Our sponsor bank/s require us to perform regular 3rd party audits. These include NACHA-approved ACH audits, SOC audits, underwriting and compliance monitoring, regular OFAC checks, and more. Our sponsor/s have direct access to our audits, and they, in turn, report them to the federal and state agencies in charge of banking and finance. No, we do not share your personal information with these outside agencies!
How Do I Add My @Name?
2. Go to SETTINGS on the menu bar.
3. Click on EDIT PROFILE.
4. Add your @NAME (Public Username).
5. Click on the SAVE button at the bottom.
You can give that to users so they can pay you. If you take a username that already belongs to someone else on gab social, we reserve the right to remove that @name from your profile.
Do We Offer Plugins for E-Commerce?
We currently only offer plugins for our Dedicated Merchant Account (DMA) services. The GabPay App is a stand alone product and does not yet offer this added service. We may add plugins in the future.
Will Everyone Know I'm Using GabPay?
We understand the world is sensitive about Gab. They don't all understand how awesome we are as a group. So everything we do is designed to look and feel like anything else you encounter in person or online. You can choose to show GabPay to your customers or use our outside name (Got Money). The other party will not know they are paying you through GabPay unless you choose to promote it that way. The choice is up to you. #Freedom
Is GabPay a Payment Aggregator?
No. The gabpayApp and wallet are functions of a software system that work in tandem with sponsor bank/s. Each sponsor bank is responsible for the transactions and other functions.
Can I Apply Outside of the United States?
No. We are currently only accepting applications for merchants and users in the United States. Do we have plans to expand into other countries? Yes, we will expand outside of our borders as soon as possible.
Are Gab Social and GabPay the Same?
No. gab is a separate entity. GabPay is a Joint Venture with Gab AI, Inc. Why is it done this way? For many reasons, including that gab is not a financial company. The structure is entirely different. Is Andrew Torba involved? Yes. He is the head of GabPay, and Gab AI, Inc. and owns GabPay.com.
Does Closing My Account Delete My Information?
Closing your account does not delete your information from our system. We are required to keep a record of your account for a minimum of seven (7) years.
How Do I Close My Account?
Go to SETTINGS on the menu bar and then choose CHANGE PASSWORD. Then, at the bottom, click on CLOSE ACCOUNT. Please be aware that if you have a balance or any incomplete transactions, you may be asked to address those items before your account may be closed.