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In <span class="u-richtext-element">Settings</span> → <span class="u-richtext-element">Team</span> you can add employees as users of your Allpay account.

Access permissions

The <span class="u-richtext-element">Team</span> section is available only to the business owner. Only the owner can add users, edit their details and manage access.

Users you add have access to all other sections of the account. They cannot add other users or edit their details. Custom access permissions are not currently available.

Adding a user

1. Open <span class="u-richtext-element">Settings</span> → <span class="u-richtext-element">Team</span> and click the plus button.
2. Enter the user’s full name and position on the team.
3. Add at least one contact for signing in: an email address, phone number or Telegram.

You can add multiple contacts, including several of the same type, such as multiple email addresses. The same contact cannot be linked to different users.

Verifying contacts

Each contact you add must be verified within 48 hours. To do this, the user must sign in to Allpay using that contact.

Allpay does not send automatic invitations, so let the employee know that they have been given access. You can copy the sign-in link from the user’s profile.

If the user does not verify the contact within this time, the business owner can extend the deadline by another 48 hours by clicking the corresponding button.

Updating details

The business owner can edit a user’s details by clicking “Edit” on the user’s card.

The business owner’s details and contacts can only be updated if the owner personally contacts Allpay Support.

Disabling a user

A user can sign in to the account while the “Account active” toggle on their card is enabled.

If you turn it off, the user will lose access to the account and be automatically signed out. If they previously connected the account to an AI assistant through MCP, that access will also be revoked.

The business owner cannot be disabled.

Activity history

You can view all users’ activity in the “Activity log” tab.

Access to multiple companies

If the same user contact is listed for several companies, the user can switch between them in the settings menu or the “Profile” section.

Contacting support

When contacting Allpay Support about your account, use a contact listed under your name in the “Team” section.

If a request comes from a contact that is not listed for the business owner or an employee in the “Team” section, Allpay Support may decline to disclose sensitive account information.

When creating a payment link, you can enable installment payments and set the maximum number of installments — up to 12. The customer can choose how many installments to split the total into, within the limit you set.

If the customer chooses two or more installments, their card will be charged and you will receive the funds in monthly installments until the full amount is paid.

There is no additional installment fee for either the business or the customer. If you want to receive the full amount upfront, you can activate the “Installments upfront” service, which carries an additional fee.

Installment payments are available only with credit cards issued in Israel.

<span class="u-richtext-counter">1</span> Create a payment link

When creating the link, open the <span class="u-richtext-label">More</span> section, select <span class="u-richtext-element">Installments</span> as the payment type, and specify the maximum number of payments the customer will be able to choose.

<span class="u-richtext-counter">2</span> Send the link to the customer

On the payment page, the customer will see an option to choose the number of payments. If they leave it as one payment, the full amount will be charged immediately.

Example

For a service costing 6,000₪, you enabled up to 5 installments. The customer chose to pay in 3 installments. At the time of payment, 2,000₪ will be charged, another 2,000₪ a month later, and the final 2,000₪ in the third month.

A receipt for installment payments is generated for the full amount immediately. The payment schedule is shown in the receipt.

If the installment payment fails

The most likely reasons are:

1. The customer’s card is not a credit card but a debit card;
2. The card was not issued by an Israeli bank;
3. The card’s credit limit (misgeret) is lower than the total payment amount.

Why installments are not available for foreign cards

Installment payments work only with Israeli credit cards within their credit limit. Since the system cannot manage credit limits of foreign banks, payment splitting on such cards is not supported.

This is a limitation of the financial system. In essence, installments are a form of credit. If the customer doesn’t have sufficient funds in their account, you (the business) still receive the next payment because the bank provides credit to the customer. Managing credit limits and collecting debts in case of nonpayment can only be guaranteed within the country.

If the customer cancels the card

You will continue receiving installment payments even if the customer closes or cancels the credit card that was used for the payment.

Each user can choose the language of emails and notifications from Allpay.

To change the language, go to <span class="u-richtext-element">Settings</span> → <span class="u-richtext-element">Profile</span> and select an option in the “Email and notification language” field.

This setting applies to all emails and Telegram notifications about payments, payouts, and account status, as well as email newsletters.

Recipients outside your team

In the <span class="u-richtext-element">Notifications</span> section, you can specify email addresses and Telegram accounts for people who have not been added as users. They will receive notifications without access to the system.

These messages are sent in the system language selected in the company owner’s profile.

Customer emails

This setting does not affect customer emails. Customers receive payment emails in the language of the payment page.

In addition to shekels, Allpay supports payments in US dollars (USD) and euros (EUR).

Available payment currencies are shown in the <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Permissions</span> section.

By default, only payments in shekels are enabled after registration. To accept payments in USD or EUR, a separate permission must be requested.

Before requesting permission to accept payments in foreign currencies

In many cases, accepting payments in shekels is sufficient for a business. However, if your customers are located in Europe, the US, or other countries, it may be more convenient for them to view prices in USD or EUR.

For this purpose, we offer a special feature — currency display conversion. This means the customer will see the payment amount in, for example, euros, but the actual charge will be made in shekels based on their bank’s exchange rate.

No permission is required to use this feature — it is already available.
‍

More details: How to display the payment amount in USD or EUR.

We recommend using this solution in most cases.

Requesting permission to accept payments in foreign currencies

Go to <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Modules</span> and activate the “USD & EUR” module.

To activate it, you’ll need to upload a bank letter with the details of your foreign currency account. The letter must:

• Include the account number in IBAN format
• Include your name (or company name) and Teudat Zehut number (or company number)

Examples of bank letters:‍ Discount, Leumi, Hapoalim.

The confirmation letter can be downloaded from your bank's online account or obtained by visiting the bank in person. Letters that do not meet the above requirements will not be accepted.

The letter will be forwarded to the relevant credit company (Isracard or CAL — depending on how your business is connected to the Allpay system) with a request to approve foreign currency operations for your account.

The average approval time is 2–4 business days.

Allpay cannot guarantee approval for foreign currency transactions; however, we do everything possible to ensure that all our customers receive the necessary authorization.

When a business website has an English version and clearly displays products or services with prices in USD or EUR, it increases the likelihood of approval.

Once the approval is granted, the module status will change to “Active” and you will receive a notification. Please make sure notifications are enabled under <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Notifications</span>.

How to accept payments in foreign currency

When creating a payment link, you will see an option to switch the payment currency.

When creating payments via API, you can pass the values "USD" or "EUR" in the <span class="u-richtext-element">currency</span> parameter.

Commission and withdrawals

We do not charge any additional commission for foreign currency payments — standard rates apply.

However, your bank may charge a fee for receiving currency withdrawals. These withdrawals are made via the SWIFT system and go through a chain of three banks: our bank, your bank’s foreign branch, and your bank in Israel. The total fee per withdrawal can reach up to $40. We cannot influence this fee, but you can ask your bank for better terms.

For this reason, withdrawals are made starting from 100 USD/EUR. Any amount below 100 USD/EUR will be carried over to the next withdrawal.

Receipts

According to the law, official receipts (kabalot and heshbonit mas) must be issued in shekels.

Therefore, for foreign currency payments, the service price in the receipt appears in the payment currency, while the VAT amount and total are shown in shekels based on the current exchange rate. We use exchange rates from Google Finance.

If your customer needs a receipt showing the total amount in the original payment currency (not in shekels), a copy can be downloaded from the EasyCount or Morning dashboard.

The Google Pay button allows Android users to make quick payments from both mobile devices and computers.

To display the button on the payment page, activate the Google Pay module under <span class="u-richtext-element">Settings</span> → <span class="u-richtext-element">Payment modules</span> → <span class="u-richtext-element">Google Pay</span>.

Exceptions

Since Google Pay does not allow card details to be saved for future charges, the button will be hidden:

• on payment pages offering installments if the customer selects more than one payment;
• on subscription payment pages.

Israeli ID Number

Google Pay does not provide the customer’s Israeli ID number, so it will not appear on the payment document. Asking customers to enter their Israeli ID number before clicking the Google Pay button defeats the purpose of quick payment. If collecting this number is mandatory, it is better not to use Google Pay.

Developers

If Google Pay is enabled in the payment module settings, the button will be displayed by default on payment pages created via the API. To hide the button, use the <span class="u-richtext-element">show_googlepay</span> parameter as described in the documentation.

If you use Hosted Fields to display the payment form directly on your website without redirecting the customer, your domain must be verified by Google before the Google Pay button can be used. Learn more in the Hosted Fields article.

The Google Pay button is not available in test mode.

The Apple Pay button allows customers to pay quickly using an iPhone, Mac, or another Apple device.

To display the button on the payment page, activate the module under <span class="u-richtext-element">Settings</span> → <span class="u-richtext-element">Payment modules</span> → <span class="u-richtext-element">Apple Pay</span>.

The button is displayed only when the payment page is opened on an Apple device with a payment method added.

Exceptions

Since Apple Pay does not allow card details to be saved for future charges, the button will be hidden:

• on payment pages offering installments if the customer selects more than one payment;
• on subscription payment pages.

Israeli ID number

Apple Pay does not provide the customer’s Israeli ID number, so it will not appear on the payment document. Asking customers to enter their Israeli ID number before clicking the Apple Pay button defeats the purpose of quick payment. If collecting this number is mandatory, it is better not to use Apple Pay.

Unsuccessful payments under the name “Applepay Payer”

Apple Pay provides us with the customer’s name only after a successful payment.

Clicking the Apple Pay button initiates the payment process and creates a transaction under the name “Applepay Payer” with the status “Unpaid.” The customer then confirms the payment on their device. Apple Pay processes the payment and returns the customer’s name, which we display instead of “Applepay Payer,” while the transaction status changes to “Paid successfully.”

However, if the payment is not confirmed on the device or is declined by Apple Pay, the customer’s name will remain “Applepay Payer,” and we will not receive the reason for the decline. If the customer proceeds to payment from your website and entered their name during checkout, we will display that name instead of “Applepay Payer.”

Developers

If Apple Pay is enabled in the payment module settings, the button will be displayed by default on payment pages created via the API. To hide the button, use the <span class="u-richtext-element">show_applepay</span> parameter as described in the documentation.

The Apple Pay button is not available in test mode.

If you use Hosted Fields to display the payment form directly on your website without redirecting the customer, you will need to place an Apple certificate on your server before the Apple Pay button can be used. Learn more in the Hosted Fields article.

Weekly (accelerated) payouts let you receive money more often than with the standard once-a-month schedule.

How it works

After a customer makes a payment, it is processed within 3–7 business days. Immediately after processing, the payment is added to your payout balance and becomes available for transfer to your bank account.

Every Monday, an automatic payout of available funds is executed. As a rule, the money appears in your bank account within three business days.

If needed, you can request a payout manually without waiting for Monday.

Examples

• A payment made on Sunday and processed on Thursday will be included in the payout on the nearest Monday.
• A payment made on Friday and processed on Tuesday will skip the Monday that fell within the processing period and will be paid the next Monday, unless you request the payout earlier manually.

Requirements

Before enabling the module, three conditions must be met:

1. Business owner must be at least 21 years old.
2. Using Allpay for at least three months.
3. Total turnover of at least 15,000 ILS during that time.

These criteria help assess your business’s payment activity and reduce chargeback risks — situations where a business receives a large payout and the cardholder reports an unauthorized charge.

The module applies only to payments received after it is activated (it is not retroactive).

Activation

The module is enabled in <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Payment modules</span> ➙ <span class="u-richtext-element">Weekly payouts</span>

After you request activation, we will send documents for signature. Once the acquiring institution approves them, the module will be turned on. The review usually takes 5–7 business days.

After approval, payouts will automatically switch from monthly to weekly.

Deactivation

You can deactivate the module in the same section. Deactivation takes 5-7 business days. After that you will receive e-mail notification.

Reactivation is only possible after 30 days.

Fees

Since weekly payouts are considered accelerated, the credit company charges an additional fee on each payment. The fee amount and the calculation method are shown on the pricing page.

The fee is charged even if you temporarily use the manual payout mode, because the accelerated processing has already been completed and the payment is available for payout.

To stop paying the additional fee and return to the standard monthly schedule, disable the weekly payouts module. The new terms apply only to payments made after the module is disabled.

Notifications and documents

Payout notifications are sent by e-mail and in Telegram if these options are enabled in <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Notifications.</span>

On the 11th day of each month, the payout history shows a monthly payment breakdown and a fee receipt, which can be used for accounting.

Chargeback comes from the English words «charge» (debit) and «back» (return), which literally means «return of funds back». This term refers to the procedure by which a bank refunds money to the payer after funds were mistakenly or fraudulently withdrawn from their account.

It is a consumer protection mechanism that allows the cancellation of credit or debit transactions and the return of funds if the customer did not authorize the purchase, did not receive the goods or services, or if billing errors occurred.

Participants in a chargeback

The chargeback process involves:

• Customer: Initiates the chargeback through the issuing bank (the bank that issued the card).
• Issuing bank: Conducts the investigation and, if necessary, refunds the money to the customer. In Israel, the issuing banks can be Isracard, CAL, MAX and few others.
• Merchant (seller): Must provide evidence of the legitimacy of the transaction. If the chargeback is justified, the merchant refunds the money to the bank.

Possible reasons for a chargeback

• The customer requested a refund because they did not recognize a charge in the bank statement or forgot about an actual payment.
• The goods or services were not provided by the merchant.
• Fraudulent charges were made on the card without the customer’s knowledge (the card was stolen or compromised).

Chargeback procedure

After the customer files a request, the issuing bank opens a case, determines the reason for the chargeback, and decides whether to return the money to the customer or leave it with the merchant. As part of the investigation, the bank will contact the merchant and request proof of service delivery.

In Israel, according to the Payment Services Law of 2020, if a transaction is considered an «insufficient documentation transaction» (i.e., made without the physical presence of the card, which applies to all online payments), the customer receives a full refund if they contact the issuing bank within 30 days of receiving the charge notification.

Thus, the law provides significant protection for the consumer but can also lead to fraud and cancellations of legitimate transactions where the customer actually received the agreed service. Therefore, merchants are advised to collect and keep evidence of goods or services provided to the customer, especially for large amounts (e.g., contracts, receipts, emails, delivery confirmations).

If the bank establishes that the funds were withdrawn from the customer’s card illegally, they will be returned to the customer and deducted from the merchant’s balance.

Risks for merchants

Frequent chargebacks can have serious consequences for merchants. The main risk is financial loss due to refunds to customers. However, that is not the only risk:

• Fines and fees: Banks may impose fines for each chargeback, increasing financial pressure on the business.
• Deterioration of banking relationships: Frequent chargebacks can damage relationships with acquiring banks. This can lead to higher fees, worse cooperation terms, or even termination of the contract.
• Risk of being blacklisted: A high chargeback rate can result in being added to blacklists of payment systems, making it difficult to work with new acquirers and other financial institutions.
• Loss of reputation: Frequent chargebacks can damage the merchant’s reputation, creating distrust among customers and partners.

Tips for prevention

To minimize chargeback risks, merchants should take the following measures:

• Use secure payment methods: Activate 3DS for payments — a two-factor authentication method where the bank asks the customer to confirm the payment via the banking app or by entering an SMS code.
• Improve communication with customers: Quick and transparent communication helps avoid misunderstandings. It is important to respond to customer inquiries promptly and provide full information about goods and services.
• Collect and store evidence: Systematically keep all documents confirming the provision of services or delivery of goods. This will help protect the business in case of a chargeback.
• Clear refund policy: A transparent and easy-to-understand return policy can reduce the number of chargebacks, as customers will know how to return a product or cancel a service.

Fee

A fee is charged by the credit card company for reviewing each chargeback case, in accordance with the pricing.

Display in the interface and documents

If a chargeback was requested for a payment, a new transaction with a negative amount and the label <span class="u-richtext-element" style="background-color: rgba(221, 94, 94, 0.4)">chargeback</span> will appear on the payments screen.

A refund document will also be created: a credit invoice and/or a receipt with a negative amount — depending on the business type and the type of the previously issued document.

If the business disputed the chargeback and the dispute was resolved in favor of the business, the funds will be returned. In this case, a new transaction with a positive amount and the label <span class="u-richtext-element" style="background-color: rgba(68, 203, 138, 0.5)">chargeback reverse</span> will appear on the payments screen.

A new income document will also be created: a receipt or a tax invoice/receipt — depending on the business type and document settings.