Overview of PayMoney PayMoney is an online payment gateway that ensures smooth and secure transactions It will help to keep your account more secure & reliable. Enjoy safe online payments through PayMoney. This system is similar to larger payment services like PayPal or Stripe You can deposit money in a few minutes with multiple currencies and multiple payment gateways like PayPal, Stripe, CoinPayments, Coinbase and much more The main features of the application – Deposit, Payout, Transfer, Exchange, Request Payment, Ticketing system, Revenues, Merchants, Merchant Payment, Crypto Send Receive etc. If a user has any claim against any payment, he/she can claim to the defendant using Dispute. Demo Site info: Admin Login: URL:  https://demo.paymoney.techvill.net/admin username  : admin@techvill.net password   : 123456 User Login: URL: https://demo.paymoney.techvill.net/login username   : kyla@gmail.com passwrod    : 123456 Merchant Login: URL: https://demo.paymoney.techvill.net/login username   : irish@gmail.com passwrod    : 123456 Test Credentials: Stripe credentials (Deposit)  Card number  : 4242424242424242 MM/YY   : 12/29 CVC   : 123 Key Features Deposits Registered users can make deposit into payMoney. With our system payment methods, user can do deposit. User can select in which Wallet they want to deposit the amount. Transfer Amount It is possible transfer money to any registered or unregistered users. Unregistered users can see their money once they signup. Admin can block, refund for any illegal issues. Request Amount Registered users can request money to any Registered or Unregistered users. Request receiver has the option to approve the request or cancel it. Currency Exchange By pay Money, user can exchange any currency ‘From wallet’ to ‘To wallet’. Can set exchnage type as Local/API. Based on each currency exchange rate, amount will be converted and added on user wallets. Admin can see details about exchange in Currency Exchange. Payment Methods Currently, we have 7 payment methods to deposit money – PayPal, Stripe, Payeer, PayUMoney, Coin Payments, Coinbase & Bank. From Currencies->Payment method, admin can activate/deactivate payment methods. Payouts / Withdrawals Money can be easily withdrawn from wallets. PayPal/Bank, how do you want to withdraw your money? To withdraw money, you must first enter your bank details in the withdrawal settings, or if it is PayPal, simply enter your PayPal email address. Withdrawal, on the other hand, is a manual process in PayMoney. Following the withdrawal request, admin will manually send the funds to the bank or paypal email address. Revenues Fixed amount charge & charge percentage is revenue in PayMoney system.For transaction typeseach currency, admin can set few amount of charges from fees that will separately show in Revenues in admin panel. Only admin can see revenues. Roles & permissions As owner of this site you can add other user as admin providing permission to specific role. User Group Admin can add default group for site users. For group users, admin gives specific permission to each group.For example, Users may apply to be Merchant and admin can change his group to Merchant providing extra permission. Preferences From settings-> preferences, admin can set Time zone, Date format, Money symbol, Thousands separator. Activity Logs Admin can see each users login activity from activity logs. Fees & Limits Fees & Limits are the combination of currency and payment methods (Deposit, Transfer, Payout, Request payment & Exchange.). Fees are applicable as charge percentage & charge fixed where limit is the combination of minimum limit & maximum limit. Merchants User can create merchants via this system. We have two types of merchant- Standard & Express. In PayMoney Standard type user can create merchant and generate merchant payment form. By this form user will get the pay now option & do payment to merchant. PayMoney Express Checkout gives your buyers a simplified and secure checkout experience using API that keeps them local to your website or mobile app throughout the payment process. Disputes User can contact with merchant through Dispute option if user have any claim about their product. Administration can take action (Approved or Reject) discussion on both parties. Create Tickets Ticket system is better way to dealing with customer about their issues where user can report or ask questions on various issues. If you have trouble with the site or program, you can use this option as help. Email Templates & settings To send mail we have dynamic email template which is changeable too. If you want you can change the template. It also supports multiple languages. We have two E-mail sending protocols. You can send email via SMTP and another one is default, send mail option. 2-Factor Authentication 2FA is an extra layer of security used to make sure that people trying to gain access to an online account are who they say they are. It is used to control access to systems and data from hackers. 2FA is allowed for By email, By Phone & By Google Authentication. By email & phone: When you verify for email, a 6-digits code will be send to your email to verified your eamil address. By phone, verification process is same as email processing system. By Google Authentication: Set up google authenticator app into your mobile phone before continuing, otherwise you will be unable to verify. Then scan QR code from your systems via phone & enter the 6-digit OTP from your app. Email/Phone verification Email verification services help you to portect your account.This process is helpful to confirming that an email address is valid or not. System automatically send a verification code to the email address used to sign up for the account. Manual Deposits & Payouts/Withdrawals The PayMoney system allows for manual deposits and withdrawals. For every specific user, the administrator can manually deposit and withdraw funds. Additionally, a user can manually deposit money via bank and withdraw funds to a bank or PayPal account. Know your customer (KYC) It is the process of knowing your customers. It helps to verify the identity of any clients either before or during the time you start the business with them. KYC allows companies to protect themselves by ensuring that they are doing business legally or not, and it also protects the individuals who might otherwise be harmed by financial crime. There are two types of verifications- Address verifications Identity verifications Address verifications: Go to user profile and upload appropriate file for address verification. If admin approves it, it will display ‘Address verified’ in users list in admin panel and also in user profile in user panel. Identity verifications: At first, from user panel select the identity type & provide your necessary credentials. When admin approves the user identity, it will show ‘Identity Verified’ in users list in admin panel and also as in user profile. Notification Settings During each transaction admin will get email as transaction notification. Admin will be able to set individual admin email for individual transactions types (Deposit, Send, Request, Payout, Exchange, Payment). To receive email notifications, admin must configure the notification settings from notification settings option. Admin can assign anyone (set email) for each transaction type. User Status Change: Admin can change user status to Active/Inactive/Suspend. Active: Users can do all types of activities from his/her panel. Inactive: Users can’t login to the system. While going to login into the system a message will appear to the user that he/she is inactivated. Suspend: Users will be able to login to the system, but they can’t do any type of transactions (Deposit, Send Money, Request payment, Exchange, Payout, Merchant payment) Send/Request Money via Phone number User can Send/Request money via user phone number ( Registered or unregistered users). While transferred amount or send request to user phone number, user get sms on their mobile number. Update ChangeLog PayMoney v-4.2.2 May 30, 2024 Bug Fixing: Exchange Rate calculate from live api Bug Fixing: Stripe Button active before loading the page Bug Fixing: Duplicate phone issue for registration Improvement: User Panel Sider bar refactor for transaction & addon Improvement: Block.io Crypto Provider remove as block.io discontinue service PayMoney v-4.2.1 April 06, 2024 Bug Fixing: Forgot Password OTP Mail Improvement: On demand feature Agent Module dependency add Improvement: Missing Translation added PayMoney v-4.2.0 March 12, 2024 Bug Fixing: Deposit PDF issue fix Bug Fixing: Stripe Live mood error message Bug Fixing: Withdrawal wallet balance message repeate fix Bug Fixing: Crypto Asset creation via Tatum.io Ethereum mainnet issue fix Bug Fixing: Block.io provider asset list page balance check issue Improvement: Gateway Clear image use Improvement: Phone Verification functionality Improvement: Wildcard functionality Improvement PayMoney v-4.1.1 December 21, 2023 Bug Fixing: Version upgrade item id missing issue fix Bug Fixing: PayPal Live mood issue fix Bug Fixing: Block.io Crypto send receive api add for Mobile app Improvement: Tatum.io Crypto asset create endpoint adjust Improvement: QrCode scanning issue for Dark mode Improvement: Auto Updater page design issue PayMoney v-4.1.0 December 6, 2023 Feature: Tatum.Io added as Crypto Provider for Crypto Send Receive Feature: Coinbase Payment Gateway added for Deposit Feature: Coinbase & CoinPayment Payment Gateway added for Standard Merchant payment Feature: Cache clear menu added on admin panel Improvement: Payment process functionality For Deposit Money Improvement: Payment process functionality For Standard Merchant Payment Improvement: System updater Improvement: Merchant Create Notification Bug Fixing: CoinPayments design issue fixes Bug Fixing: Crypto Transaction sender and receiver name Bug Fixing: Email and Sms template update issue fix PayMoney v-4.0.1 August 21, 2023 Feature: Privacy Page Added Improvement: Removed Unnecessary Tags Improvement: A new design applied to user dashboard and frontend. Improvement: Translation Updated Improvement: Custom Page Dark Mode Support Improvement: Cancel Button Add in Express Merchant Payment Improvement: Removed Unnecessary Files and Directories and Functions Improvement: Settings Menu Renamed to Verifications Improvement: Image Path Refactored in Api Bug Fixing: Merchant Button Link Redirect Issue Fix Bug Fixing: Merchant Section Available in User Issue Fix Bug Fixing: Menu Hover Issue Fix Bug Fixing: Pages Responsive Issue Fix PayMoney v-4.0.0 August 07, 2023 Improvement: Upgraded to latest laravel version 10 and supported with latest PHP 8.1.0 version Improvement: The bootstrap version has been upgraded to 5.0.2 in admin panel, user panel, frontend Improvement: A new designed template applied to user dashboard and frontend. Improvement: In frontend dark version added. Improvement: RTL support added in user dashboard panel. Improvement: Generate PDF document with the newly implemented design. Improvement: Language conversion improved and json file added instead of php array file for easily maintainable and changeable. Improvement: Filter added in withdrawal settings, Merchant payments, Tickets, disputes Improvement: Ticket and Dispute load more option added Improvement: Now admin can choose in whether merchant or user will pay the fee for the payment. Improvement: Code optimized , unnecessary junk code, files and comments erased. Improvement: Emails and SMS templates and code quality improved Improvement: JS and CSS compressed for loading performance Improvement: Public assets refactored. Improvement: Junk packages removed. Bug Fixing: BlockIo status update fail automatically fix. Bug Fixing: Simple bug fixing are also taken care of.