• What is myCitadel? How does it work?
• What's included in myCitadel?
• Do my customers need a myCitadel account?
• Can I use myCitadel to send money to my remote partners or employees?
• How to get started?
• What is the difference between a Certified and Uncertified merchant account?
• How to Certify my Merchant Account?
• Can I customize my checkout page using myCitadel redirect with my company's look and feel?
• When a consumer completes a transaction, how long does it take for funds to show up in my myCitadel account?
• What if I don't want my customers to leave my website during checkout?

What is myCitadel? How does it work?

myCitadel is a simple and secure mechanism to transfer money online. myCitadel Wallet is a personal web-based cash account that can be instantly funded and your customers then can immediately use the funds to make purchases on your site. myCitadel Wallet can be funded directly from a bank account (via online banking or other methods), credit or debit card (VISA, MasterCard), Electronic Funds Transfer (Electronic Cheques) and other methods available in many countries using local currencies.

Back to top

What's included in myCitadel?

myCitadel is an easy, secure, recognized and flexible one-stop online payments solution. Here is what you get when you signup for your new merchant account:

• No signup fees and no monthly minimums
• Immediate account activation - start processing today
• Multiple integration options to fit your requirements.
• Variety of payment mechanisms for your customers:
  • Instant Online bank transfers - funds are available for use as soon as a bank transfer is complete
  • Standard (bank wire) and electronic bank transfers
  • MasterCard and Visa credit/debit cards
  • Payments supported in many countries using local currencies
  • Seamless currency conversion (if required)
• Industry-leading security and customer protection
  • Undergoes daily security scans and is HackerSafe certified
  • Compliant with strict Payment Card Industry (PCI) Data Security standards
• All Reporting capabilities you need
• Competitive Rates provide for a low-cost solution
• 24/7 support for you and your customers

Back to top

Do my customers need a myCitadel account?

Yes. Customers do need to apply for a myCitadel account before then can pay you. If they do not have an account they can easily get one by visiting www.myCitadel.com or (if redirect integration option is used) they can signup and fund their account during the checkout process.

Back to top

Can I use myCitadel to send money to my remote partners or employees?

Yes. You can send money to your remote partners or employees even if they don't have a myCitadel account. All you need is their email address. Once you've submitted funds, we will send a notification to the specified email address about the pending money transfer along with instructions on how to signup for the myCitadel account if the recipient doesn't already have one. You can cancel the transfer at any time before the funds were accepted by a recipient. A recipient also has the right to reject the transfer. If that happens, funds will be returned to your account. You will need to login into your myCitadel merchant account to be able to submit such payments.

Back to top

How to get started?

You can start accepting payments with myCitadel today in just three easy steps. Sign up today and take advantage of our limited time offer - we will give you free processing for up to € 1000 (or equivalent) in waived myCitadel transaction fees*.

Here are the simple steps to sign up for your own uncertified** myCitadel merchant account:

Step 1. Sign up for a myCitadel Business Account (5-10 minutes)

Click here to start the signup process Enter in the required information: Business/business owner's information Accept myCitadel Merchant Agreement Accept myCitadel Merchant Privacy Policy Save important information about your new myCitadel account

Step 2. Confirmation via email (5-10 minutes)

An email with your new merchant account information will be sent to you including instructions on how to get started.

Step 3. Configure your site to accept myCitadel (30-60 Minutes)

Just put the script we provide on your website and you can start processing immediately.

Step 4. You are ready!

NOTE: Your account will be limited to a total of € 2000 (or equivalent) in processed funds until you certify your account. Please see below on how to certify your account and remove processing limits.

Back to top

What is the difference between a Certified and Uncertified merchant account?

You can get a myCitadel uncertified merchant account instantly by completing a Merchant Registration Form. However, this account will have a maximum of € 2000 (or equivalent) in total funds processed until it is "certified". You can start processing through your new (uncertified) account immediately, but we strongly recommend you to complete the certification process as soon as possible to avoid any service interruptions.

To achieve "Certified" status you must also complete and provide myCitadel with Merchant Certification Form required to certify your merchant account. This will be reviewed by myCitadel staff and you will be contacted within 2-5 days with the result.

myCitadel will also be reminding you to certify your account when you've reached 50% or more of your uncertified processing limit of € 2000 (or equivalent).

Back to top

How to Certify my Merchant Account?

We encourage you to certify your merchant account while configuring your website for myCitadel.  Submit your Merchant Certification Form now and get approved!

Here is the list of additional information required to complete the Merchant Certification Form (where applicable):

• Additional Company Information
  • Business legal and trade Name
  • Business type (Corporation, etc)
  • Place of incorporation and incorporation Date
  • Incorporation/registration number
  • Federal and State Tax ID
• Do you need to be licensed with an official government body to conduct your business activities? If yes:
  • Licensing Government Body
  • Country
  • License Number and date of issue
• Confirm that the myCitadel merchant account will NOT be used by other companies, entities, or websites under your control.
• Specify the location of all administrative and operations staff
• Specify the location of all computer servers
• Describe in detail the type of business, what product(s) or service(s) are sold, and current methods of sales
• Primary Executive/Beneficial Owners
  • List all primary executives include Directors of the Corporation (Name, Title).
  • List all major shareholders owning more than 10% of the outstanding shares (Name, Title).
  • If shares are held on behalf of another individual or corporate body, beneficial owner must be identified.
  • Each Primary Executive and major shareholder is required to complete, sign, and fax a Primary Executive/Beneficial Owner Information Form along with a copy of their passport.
  • Major shareholders (holding 10% or more of shares) must complete a Declaration of Ownership Form.
• Banking Information:
  • Bank name
  • Account and routing numbers
  • Name associated with bank account

NOTE: Your account will be limited to a total of € 2000 (or equivalent) in processed funds until you certify your account. Please see below on how to certify your account and remove processing limits.

Back to top

Can I customize my checkout page using myCitadel redirect with my company's look and feel?

Yes. You can give your customers a seamless checkout experience by customizing your checkout page on myCitadel.com with your Company Name and Company Logo.

Back to top

When a consumer completes a transaction, how long does it take for funds to show up in my myCitadel account?

It depends on how the consumer wallet was funded. If customers used ExpressPay option with credit/debit card, their existing myCitadel balance or a myCitadel instant Bank transfer, the fundswill usually appear in your account instantly, or within a few minutes. This is the most common scenario. If a customer completes the transaction with a standard bank or wire transfer, this can take a bit longer because those funds have yet to clear with the bank ( Usually three to five days).

Back to top

What if I don't want my customers to leave my website during checkout?

myCitadel API integration option allows you to process myCitadel payment "behind the scenes". This means your customers would never leave your website while paying with their myCitadel wallet. However, this is a more complex integration than myCitadel Re-Direct integration option when customers will leave your site (for a short period) to complete the payment. myCitadel will redirect your customers back to your site (optional) to continue their shopping.

Back to top

*Free processing is limited to a maximum of 90 days or € 1000 (or equivalent) in transaction fees which ever comes first. Citadel Commerce reserves the right to cancel this promotion at any time at our discretion.
**Trial account. Your account will be limited to € 2000 (or equivalent) in total processing