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Referrers & Merchants can:
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Note: Referrers can submit Change Requests on behalf of Merchants. This includes:
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Front End User Interface for Facilitators & Referrers
We recommend that Facilitators and Referrers with whitelabeled Portals and custom sites take additional steps to map and configure their front-end user interface (UI) to maximize user (Merchant) transparency and minimize communication times. Read more about these specific tips below:
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We recommend Facilitators that use the Change Requests workflow above with an API integration to incorporate the following into your front-end user interface development: Tip: Display Change Request Messages
Real-Time Status Updates
Communicate Decline Reasons
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Prevent Funding to an Existing Bank Account
To prevent funds from being sent to an existing account while the change request is being reviewed and approved, either as an optional feature for merchants to choose when submitted submitting the bank change or as the default process for your software
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The Merchant’s bank account being has been closed by their bank due to reported fraudulent activity.
The Merchant’s bank account was closed by the merchant prior to before the change request being approved.
The Merchant added incorrect bank account information by mistake that they do not want to use.
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To learn more about the specifics of adding or updating a bank account, see our Account Maintenance articles: |
The processes outlined below will outline how to submit a Change Request to update your or your Merchant’s bank account information.
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a note added to the Referrer or Merchant account, and;
an email to the user that submitted the Change Request with more detail explaining the review result and reason.
Read more about Declines below.
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Decline Responses
When a submission is Declined, a reason and accompanying note will be added to your entity account by the reviewer. Declines can occur for one of the following reasons:
Decline Reason | Description |
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Unable to validate | The information provided doesn't allow risk analysts to validate your information. |
No Response | Analysts have followed up with additional questions and received no response. |
Invalid Document | The document provided for review was not sufficient. |
Unable to read | The document provided was unreadable. |
Expired Document | The document provided has expired. |
Other | Custom reason, filled out by reviewing Risk Analyst as needed. |
These declines will be accompanied by a note added to your account from the risk reviewer.
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View Your Pending Change Requests
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From the Change Requests Queue, you can:
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You can also view previously declined Change Requests by clicking the Declined filter on the Change Requests tab. | ||
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Declines can occur for one of the following reasons: | ||
Decline Reason | Description | |
Unable to validate | The information provided doesn't allow risk analysts to validate your information. | |
No Response | Analysts have followed up with additional questions and received no response. | |
Invalid Document | The document provided for review was not sufficient. | |
Unable to read | The document provided was unreadable. | |
Expired Document | The document provided has expired. | |
Other | Custom reason, filled out by reviewing Risk Analyst as needed. |
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Test Bank Account Change Requests in the Sandbox Environment
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