Payment Methods

We accept all major credit and debit cards:

• Visa: All Visa credit and debit cards
• MasterCard: All MasterCard credit and debit cards
• American Express: All Amex credit and charge cards
• Discover: All Discover credit and debit cards
• JCB: JCB credit cards (international)
• Diners Club: Diners Club credit cards

Direct bank transfer options:

• ACH Transfers: Direct bank account transfers (US only)
• Wire Transfers: International wire transfers (Enterprise customers)
• SEPA Transfers: European bank transfers (EU customers)
• Processing Time: 3-5 business days for ACH, 1-2 days for wires
• Fees: No fees for ACH, $25 fee for wire transfers
• Minimum Amount: $100 for ACH, $1,000 for wire transfers

Coming soon - digital wallet support:

• Apple Pay: Secure payments via Apple devices
• Google Pay: Google's digital wallet solution
• PayPal: PayPal account integration
• Venmo: Venmo account payments
• Zelle: Bank-to-bank transfers
• Availability: Rolling out Q2 2025

Cryptocurrency payments for Enterprise customers:

• Bitcoin (BTC): Bitcoin payments via Coinbase Commerce
• Ethereum (ETH): Ethereum payments
• USDC: USD Coin stablecoin payments
• Processing: Real-time conversion to USD
• Fees: 1% processing fee
• Eligibility: Enterprise customers only

Step-by-step guide to add a credit card:

1. Log into your Bionoryx account and navigate to Billing
2. Click "Add Payment Method" in the Payment Methods section
3. Select "Credit Card" as your payment method
4. Enter your card details: number, expiry date, CVV, and billing address
5. Verify your billing address matches your bank records
6. Click "Save Payment Method" to securely store your card
7. Your card will be verified with a $1 authorization (refunded immediately)

Setting up ACH bank transfers:

1. Navigate to Billing → Payment Methods
2. Click "Add Payment Method" and select "Bank Account"
3. Enter your bank account details: routing number and account number
4. Verify your account with micro-deposits (2 small deposits)
5. Check your bank account for deposits within 2-3 business days
6. Enter the exact amounts of the micro-deposits to verify
7. Your bank account will be active for payments

Understanding payment verification:

• Credit Cards: $1 authorization charge (refunded immediately)
• Bank Accounts: Micro-deposits of $0.01-$0.99
• Verification Time: Instant for cards, 2-3 days for bank accounts
• Failed Verification: Contact support for assistance
• Multiple Attempts: Up to 3 verification attempts allowed
• Security: All verification is secure and encrypted

How to update your payment information:

• Card Updates: Update expiry dates and billing addresses
• New Cards: Add new cards before old ones expire
• Bank Changes: Update bank account information
• Billing Address: Keep billing address current
• Notifications: Receive alerts for expiring cards
• Backup Methods: Always maintain a backup payment method

Setting your primary payment method:

• Primary Method: The default method for automatic payments
• Backup Methods: Secondary methods for failed payments
• Automatic Fallback: System automatically tries backup methods
• Manual Selection: Choose specific method for one-time payments
• Priority Order: Set priority order for multiple methods
• Notifications: Alerts when primary method fails

How to remove payment methods:

• Requirements: Must have at least one active payment method
• Primary Method: Cannot remove if it's the only payment method
• Active Subscriptions: Ensure no pending charges
• Confirmation: Confirm removal to prevent accidental deletion
• Immediate Effect: Removed methods cannot be used for new payments
• Data Security: Payment data is securely deleted

How we protect your payment information:

• PCI DSS Compliance: Level 1 PCI DSS certified
• Encryption: 256-bit SSL encryption for all transactions
• Tokenization: Payment data tokenized and never stored
• Fraud Detection: Advanced fraud detection and prevention
• 3D Secure: Additional authentication for card payments
• Audit Logs: Complete audit trail of all payment activities

Your payment data protection:

• No Storage: We never store your full payment details
• Tokenization: Sensitive data replaced with secure tokens
• Access Control: Strict access controls and monitoring
• Regular Audits: Quarterly security audits and penetration testing
• Compliance: SOC 2 Type II and PCI DSS compliance
• Breach Protection: Comprehensive breach detection and response

What happens when payments fail:

• Automatic Retry: System retries failed payments automatically
• Retry Schedule: 3 retry attempts over 7 days
• Backup Methods: Automatic fallback to backup payment methods
• Grace Period: 7-day grace period before service suspension
• Notifications: Email alerts for failed payment attempts
• Manual Resolution: Contact support for manual payment processing

Troubleshooting common payment problems:

• Insufficient Funds: Ensure adequate account balance
• Expired Cards: Update expired credit card information
• Billing Address: Verify billing address matches bank records
• Bank Restrictions: Check for bank-imposed payment restrictions
• International Cards: Ensure international payments are enabled
• Fraud Alerts: Contact bank to clear fraud alerts

Handling payment disputes and chargebacks:

• Dispute Process: We handle disputes through payment processors
• Documentation: Provide detailed transaction documentation
• Response Time: Respond to disputes within 7 days
• Resolution: Work with customers to resolve disputes amicably
• Chargeback Fees: $15 chargeback fee for disputed transactions
• Prevention: Clear billing descriptions prevent disputes