Have Questions? We Have Answers.
Q: Who is nCourt?
A: nCourt is a government services technology company that through arrangements with courts and government agencies allows people to pay traffic citations, court fines, and fees, file small claims, and pay utility bills online. We have been in operation since 2002, serving thousands of jurisdictions, and have safely processed hundreds of millions of dollars in citizens’ payments to government entities.
Q: How are nCourt’s services useful?
A: Many government agencies do not have the resources to build, host, and maintain e-commerce websites. nCourt, as a private entity, is able to provide services for the government that allows them to bridge the technology gap that exists and offer citizens the convenience of both online and over the counter payments.
Q: Why should a county, municipal government, or court partner with nCourt?
A: By offering 24-hour online payment and a toll-free number staffed by bilingual service professionals nCourt reduces the workload through fewer phone calls and reduced foot traffic. nCourt also helps increase the funds collected by the government as people who were previously unable to pay on time are able to take advantage of the convenience of online payments.
Q: What is the cost for the nCourt solution?
A: nCourt’s solution is provided at no cost to our clients. We charge a nominal fee to citizens using our electronic payment processing services. Fees are clearly displayed prior to the citizen proceeding with the transaction and are detailed on each transaction statement and receipt. Our service-fee based solution allows us to absorb all fees and expenses associated with processing credit and debit card transactions.
Q: Are payments made to nCourt secure?
A: nCourt is a Comodo site and takes information and payment security extremely seriously. Your information is protected using Secure Socket Layer (SSL).
Q: What is nCourt’s refund policy?
A: Any payment made by a citizen via the nCourt website or by phone using the Citizen Payment Center is non-refundable, in whole or in part, once the payment has been submitted, confirmed and accepted by the court. If the submission is rejected, refunds will be processed via credit card, ACH or paper check. Any processing fees associated with the transaction are non-refundable.
Q: What is the Visa Government & Higher Education program?
A: nCourt participates in the Visa Education and Higher Education program, which allows a government or education merchant to assess a fixed or variable service fee for processing a Visa card transaction. With this program the service fee must be clearly disclosed before the completion of the transaction and the cardholder is given the opportunity to cancel. The service fee is also processed as a separate transaction, which allows all funds to be 100% guaranteed. For more information on the Visa Government & Higher Education program please click here.
Q: Does nCourt handle past-due collections?
A: nCourt does not handle past-due collections. There are different regulations when dealing with collections. nCourt is a payment processing service for courts and government entities and not a collections agency.
Q: If you don’t store credit card information, how do you process recurring payments?
A: Tokenization. When card information needs to be retained for future transactions, tokens are used instead of cardholder data. Since each transaction is unique, encrypted card data stored from a previous transaction is unusable. So, when a transaction is performed, the bank or payment processor may return a token, which can be stored and used at a later date for subsequent transactions.
Q: What is the difference between nCourt’s integrated and non-integrated solution?
A: An integrated solution allows transactions to be recorded, updated, and managed in real-time using a customized Payment Dashboard. Transactions in a non-integrated solution are managed manually in your CMS or financial software system.
Q: What is EMV?
A: EMV chip technology is the global standard for credit card and debit card payments. Named after its original developers (Europay, MasterCard® and Visa®), this technology features payment instruments (cards, mobile phones, etc.) with embedded microprocessor chips that store and protect cardholder data. This standard has many names worldwide and may also be referred to as: “chip and PIN” or “chip and signature.”