Frequently Asked Questions

Kiofe is a payment gateway based in the Netherlands that enables businesses to accept online payments securely. We provide a complete payment infrastructure including checkout pages, payment processing, fraud prevention, and settlement services. Our platform integrates with major payment networks and supports multiple currencies.

You can create a Kiofe account by clicking "Create Account" on our website. You'll need to provide your business details, including your company name, registration number, and business address. After submitting your application, our compliance team will review your information. Most accounts are approved within 1-2 business days.

For KYC verification, you'll need to provide: a valid government-issued ID (passport or national ID card), proof of business registration (Chamber of Commerce extract or equivalent), proof of address (utility bill or bank statement not older than 3 months), and your business's bank account details. Additional documents may be required depending on your business type.

Kiofe currently supports businesses registered in the European Economic Area (EEA), the United Kingdom, and select other regions. We accept payments from customers worldwide in over 135 currencies. Check our website for the most up-to-date list of supported countries for merchant registration.

Kiofe supports a wide range of payment methods including Visa, Mastercard, American Express, iDEAL, Bancontact, SEPA Direct Debit, Apple Pay, Google Pay, and various local payment methods. The available payment methods may vary depending on your country and account type.

Standard settlements are processed within 2-3 business days after the transaction date. For established merchants with a proven track record, we offer next-day or same-day settlement options. Settlements are deposited directly into your registered bank account in your preferred currency.

Refunds can be initiated through your Kiofe dashboard or via the API. You can process full or partial refunds within 180 days of the original transaction. Refunds are typically processed within 5-10 business days and are returned to the customer's original payment method. Transaction fees on refunded payments are not returned.

When a chargeback is filed, Kiofe will notify you immediately via email and through your dashboard. You'll have the opportunity to respond with evidence within the timeframe specified (usually 7-14 days). We provide tools and guidance to help you submit compelling evidence. A chargeback fee applies, which is refunded if you win the dispute.

Kiofe uses a transparent pricing model. Standard transaction fees are a percentage of the transaction amount plus a fixed fee per transaction. Fees vary based on payment method and region. There are no setup fees, monthly fees, or hidden charges. Visit our Pricing page or contact our sales team for detailed rate information tailored to your business.

No, Kiofe does not charge any setup fees or monthly subscription fees for our standard plan. You only pay per transaction. For enterprise businesses with high transaction volumes, we offer custom pricing plans with additional features and dedicated support. Contact our sales team for more details.

Yes, we offer competitive volume-based discounts for businesses processing over €50,000 per month. Our enterprise plans include reduced per-transaction fees, priority support, and dedicated account management. Contact our sales team to discuss pricing options that fit your transaction volume.

Yes, Kiofe is PCI DSS Level 1 certified, the highest level of payment security certification. This means all payment data processed through our platform meets the strictest industry security standards. We undergo annual audits by qualified security assessors to maintain this certification.

Kiofe employs multiple layers of fraud prevention including real-time transaction monitoring, machine learning-based risk scoring, 3D Secure (3DS2) authentication, address verification (AVS), and CVV checks. Our fraud detection system analyzes hundreds of data points per transaction to identify and block suspicious activity before it affects your business.

Customer payment data is encrypted using AES-256 encryption at rest and TLS 1.2+ in transit. Sensitive card data is tokenized, meaning the actual card numbers are replaced with unique tokens and never stored on your servers. Our infrastructure is hosted in secure, SOC 2 certified data centres within the European Union.

Yes, Kiofe is fully GDPR compliant. As a Netherlands-based company, we adhere to all EU data protection regulations. We offer Data Processing Agreements (DPA), support data subject access requests, and ensure all personal data is processed lawfully and transparently. Learn more on our GDPR compliance page.

Kiofe offers multiple integration options: our Drop-in UI for a quick pre-built checkout experience, client-side SDKs (JavaScript, iOS, Android) for custom checkout flows, and a RESTful API for full server-side control. Our documentation provides step-by-step guides for each approach, and our developer support team is available to assist.

Yes, Kiofe offers official plugins and integrations for popular e-commerce platforms including WooCommerce, Shopify, Magento, PrestaShop, and OpenCart. These plugins enable you to start accepting payments in minutes without writing any code. We also support integration through Zapier for connecting with other business tools.

Yes, every Kiofe account comes with a sandbox environment where you can test your integration without processing real payments. The sandbox supports all payment methods and simulates various payment scenarios including successful payments, declined transactions, and chargebacks. Test API keys are available in your dashboard.

Kiofe provides official SDKs and libraries for PHP, Python, Node.js, Ruby, Java, .NET, and Go. Our RESTful API can be used with any programming language that supports HTTP requests. Community-maintained libraries are also available for additional languages. All SDKs are open-source and available on GitHub.

You can update your business information through your Kiofe dashboard under Settings > Business Profile. Some changes, such as your legal business name or registered address, may require re-verification and supporting documentation. Contact our support team if you need help with significant account changes.

Yes, Kiofe supports team access with role-based permissions. You can invite team members and assign roles such as Admin, Developer, Finance, or Support, each with different access levels. Two-factor authentication (2FA) is required for all team members to ensure account security.

To close your account, contact our support team at support@kiofe.com. Before closure, ensure all pending transactions are settled and all outstanding balances are resolved. We'll process any remaining settlements to your bank account. Please note that we're required to retain certain transaction data for regulatory compliance purposes for up to 7 years.