Frequently Asked Questions

If we missed anything below, please do not hesitate to reach out to any of our reps. Go to the search bar on gab social and search "gabpay" and send us a private message. We also offer video tutorials for the gabpayApp. Click Here to see them.

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. 

Where Can I Find the Account Level Limits?

You can see the limits by doing the following:

 

1. Log into your account at www.gabpay.live.

2. Go to SETTINGS on the menu bar.

3. Click on ACCOUNT LEVEL.

We have three levels. Level 1 is a non-verified personal user account with limited send and receive capabilities. Level 2 is a verified personal user account with a much broader use of funds. Business Level limits are based on underwriting but generally have the same or much higher limits than Level 2.

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 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:

 

STEP 1: Make Sure Your Email and Phone Number are Verified

To verify your email or phone number:

 

  1. Go to SETTINGS on the menu bar.

  2. Click on EDIT PROFILE.

  3. The link to verify your email is under your email.

  4. 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.

 

STEP 2: Watch the Video or Follow the Instructions

Click Here for Video Instructions, or do the following:

 

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. 

 

 

STEP 3: Verify With the Two Micro Deposits

1. Log into your bank account on your bank's app or website.

2. Go to your account ledger.

3. Locate two small micro-deposits (under $1 each).

4. Write both of them down somewhere.

5. Log into your gabpay account at www.gabpay.Live.

6. Go to SETTINGS on the menu bar.

7. Click on MANAGE BANK ACCOUNTS.

8. Locate the bank account and CLICK ON THE GREEN CHECKMARK.

9. Enter the two deposit amounts you received.

10. Click on VERIFY.

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:

 

  1. Go to SETTINGS on the menu bar.

  2. Click on EDIT PROFILE.

  3. The link to verify your email is under your email.

  4. 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.

How Do I View My Balance?

To view your balance:

 

1. Log in at www.gabpay.live.

2. Go to DASHBOARD on the menu.

How Do I Add 2FA to My Account?

1. Log in to your user account at www.gabpay.live.

2. Go to SETTINGS on the menu bar.

3. Click on EDIT PROFILE.

4. Scroll down to ENABLE TWO-FACTOR AUTHENTICATION.

5. Press the button on the right.

6. Click the SAVE button at the bottom.

 

The next time you log in, we will ask you to authenticate your session.

How Do I Change My Email on File?

If you need to change your email address on your account, do the following:

 

1. Log into your account.

2. Go to SETTINGS on the menu bar.

3. Click on EDIT PROFILE.

4. Change your email address.

5. Click SAVE at the bottom.

6. Then, go back to the email address and verify it.

How Do I Change My Telephone Number?

If you need to change your mobile number on your account, do the following:

 

1. Log into your account.

2. Go to SETTINGS on the menu bar.

3. Click on EDIT PROFILE.

4. Change your phone number.

5. Click SAVE at the bottom.

6. Then, go back to the phone number and verify it.

Make sure you use a mobile number that can accept a text message. If you do not have one, try TEXTFREE or any other texting service.

How Long Does a Transfer Take (Deposit, Withdraw, or User to User)?

Deposits to your gabpay balance post immediately and are generally available for use within seconds. 

 

Withdrawals from your gabpay balance to your bank account on file usually take one (1) to two (2) banking days, depending on the time you initiate the withdrawal. Bank days do not include Saturdays, Sundays, or Federal bank holidays.

 

For example, if you initiate a withdrawal on a Monday at 9 am, expect to see the money post to your bank account on Tuesday. If you initiate a withdrawal on Friday at 9 am, expect to see the money post to your bank account on Monday.

 

We have begun the process of joining the RTP (Real Time Payments) network. When completed in 2023, our payment times will speed up and become real-time.

Transfers within the network (user to user) are nearly instant.

Do I Need to Deposit Money to My Balance Before Sending to Someone?

No, we will use the bank account you have on file for any unavailable balance when you initiate a transfer to another user. There is no need to deposit the money first.

I Do Not Have a Cell Phone. How Can I Verify Via Text?

There are services you can use, such as TEXTFREE, that will allow you to receive a free number and text messages.

Can I Use My Desktop or Laptop Computer?

Yes, our system runs online in the cloud so that you can use it from any device with an internet connection, almost anywhere on the globe.

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. 

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 Do I Send to a Person or Entity that is Not on GabPay?

Send money to a non-gabpay user:

 

​1. Log into www.gabpay.live.

2. Go to SEND/RECEIVE on the left menu bar.

3. Add the Amount you want to send.

4. Select the Source (if you do not have enough in your balance to cover this transaction*).

5. Scroll down and click on Manually Enter Recipient.

6. Enter their First Name, Last Name, and Email. Do NOT enter a Public Username.

7. Click Next.

8. Click on and Select who Pays the Fee.

9. Click on Goods and Services or Friends and Family.

10. Add a note.

11. Press the CONFIRM button.

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. 

How Do I Request Money/Send an Invoice?

1. Log into www.gabpay.live.

2. Go to SEND/RECEIVE on the left menu bar.

3. Click on REQUEST MONEY.

4. Add the Amount you want to send.

5. Scroll down and click on Manually Enter Recipient.

6. Enter their First Name, Last Name, and Email. Do NOT enter a Public Username.

7. Click Next.

8. Click on and Select who Pays the Fee.

9. Click on Goods and Services or Friends and Family.

10. Add a note.

11. Press the CONFIRM button.

 

You will receive a confirmation notice once the transaction processes.

 

*If this does not work, click on the DASHBOARD on the left menu bar and check your Account Limits.

How Do I Cancel a Transaction?

1. Login at www.gabpay.Live.

2. Go to the DASHBOARD on the menu bar.

3. Locate and click on the transaction.

4. Click the red CANCEL button.

 

We cannot cancel transactions by email support. You must log into your account at www.gabpay.live, locate the transaction you wish to cancel, and do so on your user account. If the transaction has already processed, there is no cancellation available. 

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.

I Cannot Verify My Phone via Text (Not Working)

We use Twilio for all of our texts. This way, we ensure a third party is involved, and we can track every message.

 

Mobile phones are incredibly complex these days. Carefully review the following known issues:​

 

1. Make sure you enter a mobile number, not a landline or business line.

2. If you recently changed your number, make sure you clicked SAVE at the bottom of the profile screen.

3. If 1 and 2 do not apply, check your Unknown Senders file in your text messages. 

4. Check your phone's Security and Privacy settings.

5. Check your PUSH settings on your mobile phone. Make sure this is set to ALWAYS.

6. Make sure you are not blocking Unknown Senders.

7. Make sure your phone is not set to Night or Private Mode. New mode settings can silence text messages.

8. Make sure you are not running any of the following programs: (Anti-spam call systems can completely stop calls and texts from being seen, making them seem as though they never happened.)

Call Control, Call Blocker, Call Protect, CallerHQ, Calls Blacklist, Don't Text, Hiya, Key Messages, Robokiller, SMS Blocker, SMS Management, SMS Shield, SpamHound, TextKiller, TrapCall, Trend Micro, TrueCaller, VeroSMS

 

Also, as an added alternative, there are services you can use, such as TEXTFREE, that will allow you to receive a free number and text messages.

If all else fails and you cannot verify using your mobile number, try textfree or a similar text number service. 

I Cannot Verify My Email Address (Not Working)

If you haven't seen the verification email come through, it may be because it is being flagged as spam! Be sure to check your spam folder. If the verification email is not in your spam folder, you may need to check your security settings to ensure it isn't being blocked before reaching your inbox. 

 

If the email is not in your spam folder and you are confident it is not being blocked by security settings, we would recommend trying an alternative email address.

 

If the above trouble-shooting tips are unsuccessful, please let us know so that we may look further into it!

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 Signup for a Business Account?

In order to enroll your business:

 

1. Apply for a personal account. Every company has a responsible party. That is the person who should enroll.

2. Once the personal account is live, add your company bank account.

3. Upgrade to the Business Level. This can be done in SETTINGS.

During the upgrade process, if you do not have one of the required documents, no problem. Upload a document explaining why you cannot provide the requested information. Our underwriting team will work with you to approve the business.

How Do I Change My SSN to My Tax ID?

When you upgrade to a Business Level account, you can add your Tax ID. From then on, we will use your Tax ID on any reporting required with the IRS.

How Do I Add My @Name?

1. Login

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. 

How Do I Download the App?

The app stores all hate our guts, so we do not have a downloadable version for you. However, you can create a shortcut on your mobile device:

To create a shortcut (app) on your mobile device, do the following:

 

Apple iPhone:

1. Go to the Safari web browser and type in www.gabpay.live.

2. Click on the Square with the Up Arrow at the bottom of the screen.

3. Click on ADD TO HOMESCREEN.

4. Click on ADD.

5. Verify that the shortcut is on your home screen.

 

Android:

1. Open the Chrome web browser and type in www.gabpay.live.

2. Tap the menu icon (3 dots in the upper right-hand corner).

3. Tap ADD TO HOMESCREEN.

4. Choose the name for the website shortcut.

5. Verify that the shortcut is on your home screen.

How Do I Reset My Password?

To reset your password:

1. Go to www.gabpay.live​.

2. Click on FORGOT PASSWORD under the Login button.

3. Enter your email address.

4. Click on RESET PASSWORD.

How Do I Add My Contacts?

You can add customers by Sending or Receiving. You can also add them by doing the following: 

1. Login

2. Go to SETTINGS on the menu bar.

3. Click on MANAGE CONTACTS.

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.

Do We Accept PayPal Transfers or Payments?

You can only transfer from PayPal to gabpay by withdrawing your money to a bank account and then loading (Deposit) those same funds into your gabpay account.

 

PayPal donated millions to Black Lives Matter, a well-known organization wrought with fraud. They partnered with the ADL to scan your transaction data for possible antisemitism. They implemented a policy in their terms and conditions that allowed for a $2,500 fine per occurrence for "misinformation" and wrong or harmful speech. We would never accept a payment or direct transfer from such an incredibly awful, anti-free speech company.​

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 in early 2023.

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.

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.