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Navigate to the Merchant Profile by following the steps below:

  • Step 1: Click Merchants in the Management category in the left hand navigation panel.

  • Step 2: Click on the merchant’s name in the table located in the Merchants page to open the Merchant Profile page.

...

Merchant Profile Features

Amount
Expand
titleClick here to view the features of the Merchant Profile page.

Merchant Information Banner

The Merchant Information Banner contains information about the merchant, including the merchant merchant’s name, their category code, address, and boarding information. The merchant Account Balance, Next Withdrawal date, and Risk Score are also displayed in the Information Banner. The Information Banner supports the following actions:

Merchant Transaction History Graph

The graph located below the Merchant Information Banner displays the merchant’s recent transaction history, including payments and refunds. Click the black triangle at the top left hand corner of the graph to toggle the view between the last 7 days and the last 30 days.To view

The Merchant Transaction History Graph supports the following actions:

  • View more details about the merchant's recent transactions

, open the Merchant Payment History

  • by clicking VIEW TRANSACTIONS at the top right hand corner of the graph

.

Accounts Overview Box

The lower half of the Merchant Profile page contains the Accounts Overview Box,

Accounts Overview Panel

The lower half of the Merchant Profile page contains the Accounts Overview Panel, which includes tabs on the left hand side of the boxpanel. The tabs contains editable details about the merchants merchant profile, banking information, and other account details. The following sections of this page cover descriptions of the contents of each of the tabs:.

Business Tab

The Business tab contains information about business businesses associated with the merchant account. It is divided into a Business Details section and an Account Details section. Click the either BUSINESS tab or the ACCOUNT tab at the top of the box panel to view each section.

The Business section contains the following editable fields:

Business Details Section Field Name

Description

Legal Business Name

The legal business name of the merchant.

IRS Filing Name

The name control established by the IRS and associated with the merchant EIN.

Statement Descriptor

The business name that appears on customer credit card statements.

Preview

The business name that appears as the distribution line in on a customer’s bank statement or other documentation of a transaction.

EIN TypeIndicates if the EIN being used is a TIN or SSN or "other/unknown" number.

The type of EIN:

  • TIN

  • SSN

  • Other/Unknown

EIN

The Employer Identification Number assigned by the IRS.

TIN Validation Status

Tax Identification Number validation status: Approved, Pending, or Denied.

Business Type

The type of business associated with the merchant. Choose from the following:

  • Sole Proprietor

,

  • Corp

,

  • LLC

,

  • Partner

,

  • Nonprofit

, or

  • Gov.

Public Company

Whether or not Identifies whether the company is publicly listed. Choose Yes or No.

Custom Description

A description entered by the merchant or referrerReferrer.

Secondary Payout Descriptor

In order to customize the descriptor that appears on a Merchant Disbursement, Payrix clients can add a Secondary Statement Descriptor on the entity or a payout/withdrawal schedule. This will append be appended to the end of the Disbursement Descriptor (before the Merchant Name) to help merchants differentiate disbursements from Payrix. See the Implementation Guide page for more information: https://resource.payrix.com/resources/secondary-statement-descriptor

Industry

The type of industry associated with related to the merchant’s business activity.

Percent B2B Sales

The percentage of transactions that occur due to Business To Business sales.

Percent EComm Transactions

The percentage of transactions that occur due to internet commerce.

Percent Keyed Transactions

The percentage of transactions that occur when the credit card information was manually keyed at the terminal or point of sale.

Website

The business’s website.

Email

The business’s email address.

Advanced Billing Indicator

Indicates whether the merchant accepts pre-purchase for products that are shipped at a later date or not currently available. Choose from the following: None, Yes, or No.

NDX Shipping Days

The number of days to ship/deliver the product.

Seasonal Status

Indicates if the merchant is a seasonal merchant or operates year-round. Choose Yes or No.

Location Type

Description of the type of address that where the business operates at. Choose from the following:

  • Retail Storefront

,

  • Warehouse

,

  • Private Residence

,

  • Other

, or

  • Res-Prof/Construction

.

New

Indicates whether this merchant is new to processing Credit Cards. Choose Yes or No.

Annual Processing Volume

The total amount of sales processed in the previous year.

Average Transaction Amount

The average credit card sale amount in the previous year.

AMEX Volume

The sales volume involving transactions with AMEX cards for the merchant location.

Total Volume

The expected total volume for all credit card and ACH payments that the merchant will process for the current year.

Address

The street address associated with the merchantportion of the merchant’s mailing address.

Address 2

The suite number or other information associated with the merchant address.

City

The city associated with portion of the merchant merchant’s mailing address.

State

The state associated with portion of the merchant merchant’s mailing address.

Zip

The zip code associated with portion of the merchant merchant’s mailing address.

Country

The country associated with portion of the merchant merchant’s mailing address.

Time Zone

The time zone at the location associated with of the merchant merchant’s mailing address.

Phone

The merchant’s phone number associated with the merchant contact information.

Customer Service Phone

The phone number used to reach the business' customer service phone numberdepartment.

Fax

The merchant’s fax number associated with the merchant contact information.

The Account section contains the following editable fields:

Account Details Section Field Name

Description

Merchant ID

The Payrix-generated ID associated with of the merchant.

Entity ID

The Payrix-generated ID associated with of the entity.

Login ID

The Payrix-generated ID used by the merchant to log in to the portal.

Login Name

The name associated with the merchant account.

Division ID

The Payrix-generated ID associated with of the merchant’s division.

Division Name

The name of the Referrer’s portfolio associated with a Referrer.

Fund ID

The Payrix-generated ID associated with fund that receives of payouts received from the merchant.

Boarded

The date that the merchant was boarded to the portal.

Created

The date that the merchant profile was created.

Platform

The payment processing company that performs transactions associated with the merchantplatform linked to the merchant’s account details.

Boarding Status

The boarding status of the merchant: Successfully Boarded, Pending, or Denied.

Status

The status of the merchant: Active or Inactive.

AMEX

The merchant account’s AMEX credit card number associated with the merchant account.

Discover

The merchant account’s Discover credit card number associated with the merchant account.

Merchant Category Code

The four-digit numerical code that describe a merchant's primary business activities.

Merchant Type

The primary means by which the merchant accepts payments. Choose from the following:

  • Merchant accepts cards in person primarily.

  • Customers enter their payment information online primarily.

  • Merchant is a fuel, petrol, or gas station.

  • Merchant takes payment information over the phone or mail primarily.

  • Merchant is a restaurant.

  • Service Station.

  • Merchant is a supermarket.

Express Batch Close Method

The method through methods by which the batch actions are closed. Choose from the following: is closed:

  • Time Initiated

or

  • Merchant Initiated

.

T&C Version

The Payrix Terms and Conditions version.

T&C Date Accepted

The date on which the merchant accepted the Payrix Terms and Conditions.

T&C Time Accepted

The time at which the merchant accepted the Payrix Terms and Conditions.

T&C IP Accepted

The IP address of user that accepted the Payrix Terms and Conditions.

Annual Sales

The dollar amount of annual sales for the merchant’s account.

Average Ticket

The average amount for the merchant's business environmentof all transaction amounts across a single merchant.

SAQ Type

A PCI Self-Assessment Questionnaire (PCI SAQ) is a merchant's statement of PCI compliance. This field marks the type of SAQ type completed by the merchant.

Last SAQ Completion Date

The date that the SAQ was completed.

QSA

The name of Qualified Security Assessor that validated the SAQ for the merchant.

VISA Disclosure

Did the user accept the Visa Regulation Disclosure. Choose Yes or No.

T&C Attestation

Did the merchant provide an attestation that the information they have provided is correct and accurate to the best of their knowledge. Choose Yes or No.

Member Bank Disclosure IP

The IP address of the user that accepted the Member Bank Disclosure.

Member Bank Disclosure Date

The date that the user accepted the Member Bank Disclosure.

Establish

The date when the merchant’s business was established.

ApplePay Active

The activity status of ApplePay for the merchant. Choose Yes or No.

ApplePay Status

The status of ApplePay for the merchant.

Google Pay Active

The activity status of Google Pay for the merchant. Choose Yes or No.

Business Tab Actions

The Business tab contains information that can be edited by the Referrer. To edit information, follow the steps below:

  • Step 1: Click the EDIT icon at the top right hand corner of the Business tab, in either the Business section or the Account section.

  • Step 2: Edit the information in the form.

  • Step 3: Save the edited information by clicking the CHECK MARK at the top right hand corner of the page, or cancel and revert to the previous information by clicking the X.

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Note: More information about Business form descriptions can be found here: https://resource.payrix.com/resources/boarding-form-definitions

Owners Tab

The Owners tab contains information about the owner or owners (s) of the merchant account, and allows you to add new owners, add authentication steps, or create or add to watch lists.

The Owners tab contains the following editable fields for the Primary Owner:

Primary Owner Tab Field Name

Description

ID

The Payrix-generated ID associated with of the primary owner’s account.

First Name

The primary owner’s first name of the primary owner.

Middle Name

The primary owner’s middle name of the primary owner.

Last Name

The primary owner’s last name of the primary owner.

Date of Birth

The primary owner’s date of birth.

SSN

The primary owner’s social security number.

Business Title

The primary owner’s business title.

Ownership %

The percentage of the business owned by the primary owner.

Drivers License

The primary owner’s drivers license number of the primary owner.

Drivers License State

The drivers license state of that issued the primary ownerowner’s drivers license.

Address

The street address associated with portion of the primary ownerowner’s mailing address.

Address 2

The suite number or other information associated with the primary owner address.

City

The city associated with portion of the primary owner owner’s mailing address.

State

The state associated with portion of the primary owner owner’s mailing address.

Zip

The zip code associated with portion of the primary owner owner’s mailing address.

Country

The country associated with portion of the primary owner owner’s mailing address.

Citizenship

The primary owner’s citizenship.

Timezone

The time zone at the location associated with the primary owner’s mailing address.

Phone

The primary owner’s phone number associated with the primary owner’s contact information.

Fax

The primary owner’s fax number associated with the primary owner’s contact information.

Email

The primary owner’s email address.

Significant Responsibility

Check the Significant Responsibility box if the owner has significant responsibility for managing the merchant and/or significant responsibility to enter the company contractually with Payrix, such as an executive officer or senior manager (e.g., Chief Executive Officer, Chief Financial Officer, Chief Operating Officer, Managing Member, General Partner, President, Vice President, Treasurer, or any other individual who regularly performs similar functions).

Politically Exposed Person

A politically exposed person (PEP) is a person with a prominent public position such as an elected government position. Due to their position, they are considered financially risky because they may be more susceptible to bribery, corruption, or other illegal activities.

Owners Tab Actions

The Owners tab contains information that can be edited by the Referrer. supports the following actions: edit information and add an owner.

To edit information, follow the steps below:

  • Step 1: Click the EDIT icon at the top right hand corner of the Business tab, in either the Business section or the Account section.

  • Step 2: Edit the information in the form.

  • Step 3: Save the edited information by clicking the CHECK MARK at the top right hand corner of the page, or cancel and revert to the previous information by clicking the X.

To add an owner, follow the steps below:

  • Step 1: Click ADD OWNER to open a the Add Owner lightbox in the page.

  • Step 2: Enter the information for the new owner into the required fields.

  • Step 3: Save the new owner information by clicking ADD at the bottom of the lightbox. To cancel, click , or cancel by clicking CANCEL to close the lightbox.

The following options are available what are these? merchant owner scores are displayed at the bottom of the owner’s tab. The owner scores are a group of risk metrics calculated when a business owner is onboarded and undergoes Payrix risk-assessments. The following merchant owner scores are available in the Owners tab:

  • Advanced Owner Authentication

  • Ownership Authentication

  • Owner Authentication

  • OFAC Watchlist

  • Custom Watchlist

Banking Tab

The Banking tab contains information about bank accounts associated with the merchant , and allows you to edit account information or add a new bank account.

The bank accounts associated with the merchant are listed in a table on the Banking tab, which contains the following fields:

Banking Table Field Name

Description

Name

The name of the bank account as described by the referrer Referrer or merchant.

Primary Bank Account

Indicates whether the account is the primary account associated with the merchant.

Routing Number

The routing number of the bank account.

Account Number

The account number.

Plaid

Indicates whether Plaid is connected to the account.

Banking Tab Actions

The Banking tab supports the following actions: edit a bank account and add a new account.

To edit a saved bank account, follow the steps below:

  • Step 1: Click EDIT ACCOUNT in the right hand side of the table row associated with a specific account, and a the Edit Account lightbox will open in the page.

  • Step 2: Relink the account by clicking RELINK ACCOUNT, or click EDIT ACCOUNT MANUALLY to reenter account information.

  • Step 3: Click NEXT to verify the account information, then SAVE, or else cancel the account your editing by clicking CANCEL.

To add a new account, follow the steps below:

  • Step 1: Click ADD NEW ACCOUNT to open a the Add Account lightbox in the page.

  • Step 2: Relink the account by clicking RELINK ACCOUNT, or click EDIT ACCOUNT MANUALLY to reenter account information.

  • Step 3: Click NEXT to verify the account information, then SAVE, or else cancel the return to the previous page without adding the new account by clicking CANCEL.

Reserves Tab

The Reserves tab contains information about reserve funds associated with the merchant. The top of the tab contains the Reserves Bannerbanner, which shows the total dollar amount of reserves for the merchant, transactions, and the total amount of reserves.

Scheduled Reserves

The Scheduled Reserves panel displays a table with information about funds that are held and released on a set schedule. The Scheduled Reserves table contains the following fields:

Scheduled Reserves Table Column Name

Description

Name

The name of the reserve fund, given by the referrer Referrer or merchant.

Percent

The percent of the balance to reserve.

Release Every

The schedule for the reserve release.

Finish Date

The date of the last reserve release.

Status

The status of the reserve.

Created By

The entity who created the reserve.

To schedule a new reserve, follow the steps below:

  • Step 1: Click SCHEDULE RESERVE in the upper right hand corner of the Scheduled Reserves panel to open a the Reserves lightbox in the page.

  • Step 2: Enter the reserve information into the fields in the lightbox.

  • Step 3: Add the new reserve to the merchant profile account by clicking ADD, or cancel the new entry by clicking CANCEL.

Merchant Risks Panel

The Merchant Risks panel displays a table with information about funds currently in reserve due to merchant risk. The Merchant Risk table contains the following fields:

Merchant Risk Reserves Table Column Name

Description

Created By

The entity who created the reserve.

Amount

The dollar amount in the reserve.

Actions

The actions available for the funds in the reserve.

To add a new reserve fund to the Merchant Risk Reserve, follow the steps below:

  • Step 1: Click RESERVE in the upper right hand corner of the Merchant Risk Reserves panel to open a the Reserve lightbox in the page.

  • Step 2: Enter the reserve information into the fields in the lightbox.

  • Step 3: Add the new reserve to the merchant profile account by clicking ADD, or cancel the new entry by clicking CANCEL.

Transactions In Reserve Panel

The Transaction Transactions In Reserve panel displays a list of transactions held in reserve due to Transaction Risk.

Hold Reserves

The Hold Reserves section displays the total dollar amount of funds held in reserve. To manage the hold reserves, follow the steps below:

  • Step 1: Click MANAGE HOLD RESERVES to open the Risk Management page.

  • Step 2: Follow the instructions on the page to move select funds to reserve.

Fees and Pricing Tab

The Fees and Pricing tab contains a table of fees associated with the merchant account. The table contains the following fields in the default setting:

Fees Table Column Name

Description

Name

The name of the fee, given by the referrer Referrer or merchant.

Amount

The dollar amount of the fee.

Type

The type of fee selected by the referrerReferrer.

Repeat Every

How often is the fee is charged to the merchant account.

Start

The date that the fee was implemented

Owner

The user that oversees the fee implementation.

Fees Tab Actions

The Fees tab supports the following actions:

To add a new fee to the merchant profile, follow the steps

Pricing Banner

The Pricing banner indicates the pricing structure the Merchant is enrolled in for processing costs. Either Interchange Plus or Flat Rate:

  • Interchange Plus - Interchange Plus is the actual interchange fee set by Card Networks and charged to the merchant, plus a transparent markup fee.

  • Flat Rate - Flat rate is a fixed percentage and set dollar amount fee for every transaction, regardless of the card used. Businesses do not pay interchange fees directly in a Flat Rate structure.

Fees Tab Actions

The Fees tab supports the following actions: add a new fee, remove a fee, or view more information.

To add a new fee to the merchant profile, follow the steps below:

  • Step 1: Click ADD FEES in the upper right hand corner of the Fees tab to open a the Add Fees lightbox in the page.

  • Step 2: Enter the information into the fields in the lightbox.

  • Step 3: Add the new fee to the merchant profile account by clicking ADD, or cancel the new entry by clicking CANCEL.

To remove a fee from the merchant profile, click the TRASH CAN icon on the right hand side of the row of the table.

View more information about the fee by following the steps below:

  • Step 1: View the Payrix-generated ID number associated with a specific fee by clicking the grey triangle on the right hand side of the row of the table.

  • Step 2: Access the Fees page by clicking any information in the row.

Groups Tab

The Groups tab displays any groups associated with the merchant. To assign a merchant to an existing group, follow the steps below:

  • Step 1: Select the 'plus' PLUS icon, and choose a group from the dropdown menu.

  • Step 2: Click the CHECKMARK icon to confirm the selected group.

Once the merchant is assigned to a group, a table displaying associated fees will appear in the Group tab.

To remove a merchant from a group, follow the steps below:

  • Step 1: Click the grey X in the top right hand corner of the box panel displaying the group name. A The Delete Merchant lightbox will appear on the page.

  • Step 2: Confirm that you are removing the merchant from the group by clicking REMOVE in the lightbox, or cancel the removal request by clicking CANCEL.

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Note: More information about creating and managing your groups can be found in the Groups section of the Management category.

Terminals Tab

The Terminals tab displays a table listing terminals associated with the merchant, and allows you to add a new terminal. The table contains the following information:

Terminals Table Column Name

Description

ID

The Payrix-generated ID associated with of the terminal.

Name

The name of the terminal as designated by the merchant or referrerReferrer.

Auto Close

Indicates whether the terminal automatically closes. Choose from the following: Host, Terminal, or Noneis set to auto-batch close. When Auto-Close is selected, the batch close is automatically engaged at a preset time each day.

Type

The type of terminal. Choose from the following:

  • Authorize.net

,

  • PAX Terminals

,

  • DEJAVOO

,

  • NMI

,

  • Cybersource

,

  • Core 610

,

  • Verifone

,

  • UIC

,

  • Var - Freedom Pay

, or

  • Datacap E-Pay REPRO

.

Status

The status of the terminal. Choose Active or Inactive.

Terminals Tab Actions

To access more information about a specific terminal, click on any information in the table row to open the Terminal page.

To add a new terminal, follow the steps below:

  • Step 1: Click ADD TERMINAL to open a the Add Terminal lightbox in the page.

  • Step 2: Enter the terminal information in the lightbox fields.

  • Step 3: Save the new terminal by clicking ADD TERMINAL, or cancel by clicking CANCEL.

To remove a terminal from the merchant profile, follow the steps below:

  • Step 1: Click the TRASHCAN icon in the row of a specific terminal. A The Delete lightbox will open in the page.

  • Step 2: Confirm removing the terminal by clicking YES in the lightbox, or cancel by clicking NO.

Terminal Transactions Tab

The Terminal Transactions tab displays a table of recent terminal transactions by the merchant. The terminal transactions table contains the following information in the default view:

Terminal Transactions Table Column Name

Description

Amount

The dollar amount of the terminal transaction.

Status

The status of the transaction. Choose from Approved, Pending, or Failed.

Cardholder

The name associated with of the cardholder whose credit card is involved in the transaction.

Payment

Indicates whether the payment was submitted at the terminalThe payment method or contactless option used for the transaction.

Created

The date that the terminal transaction was created.

Arrow Icon

Click on the grey triangle in any row to view additional details for a specific transaction, or click on the grey triangle in the table header to view additional details for all transactions.

Terminal Transactions

Actions

The Terminal Transactions page supports the following actions:

  • View additional details about a terminal transaction by clicking on any row in the Terminal Transactions table.

    • Action

    Access additional details about a specific terminal transaction by clicking any information in the table row to open the Terminal Transactions page for the merchant transaction.

    Profit Sharing Tab

    The Profit Sharing tab displays a table of profit shares associated with the merchant, and allows you to add new profit shares to the merchant's profile. The Profit Sharing table contains the following information:

    Profit Sharing Table Column Name

    Description

    ID

    The Payrix-generated ID associated with of the profit share.

    Created

    The date and time that the profit share was created.

    Name

    The name of the profit share, generated by the referrerReferrer.

    Type

    The type of profit share: Income, Expense, or Both.

    Amount

    The amount of the profit share, displayed as a percentage.

    Profit Sharing Actions

    The Profit Sharing tab supports the following action: actions: add a new profit share and remove a profit share.

    To add a new profit share, follow the steps below:

    • Step 1: Click ADD PROFIT SHARE to open a the Profit Share lightbox in the page.

    • Step 2: Enter the required information in the lightbox fields.

    • Step 3: To add the profit share to the merchant profile, click ADD PROFIT SHARE, or to cancel click CANCEL.

    To remove a profit share from the merchant profile, follow the steps below:

    • Step 1: Click the three purple dots on the right hand side of the row of the specific profit share to open a the Delete lightbox.

    • Step 2: Remove the profit share by clicking DELETE in the lightbox, or cancel by clicking outside the lightbox on the Merchant Profile page.

    Plans Tab

    The Plans tab displays a table of subscription payment plans associated with the merchant, and allows you to add a new plan to the merchant profile. The plans table contains the following information in the default view:

    Plans Table Column Name

    Description

    Name

    The name of the subscription plan.

    Schedule

    The payment schedule for the subscription plan.

    Amount

    The dollar amount of each scheduled payment.

    Status

    The status of the subscription: Active or Inactive.

    Subscriptions

    The number of customer with subscriptions associated with under the plan.

    Arrow Icon

    Click on the grey triangle in any row to view additional details for a specific transaction, or click on the grey triangle in the table header to view additional details for all transactions.

    Plans Actions

    The Plans tab supports the following action: actions: access plan details and add a new payment plan.

    To access the Plan Details page, click any information in a row of the Plans table.

    To add a new payment plan, follow the steps below:

    • Step 1: Click ADD PLAN to open a lightbox in the page.

    • Step 2: Enter the required information in the lightbox fields.

    • Step 3: To add the plan to the merchant profile, click ADD PLAN, or to cancel click CANCEL.

    Withdrawals Tab

    The Withdrawals tab contains two sections, the list of scheduled withdrawals and the withdrawal history for the merchant account. The tab also allows you to add a new scheduled withdrawal to the merchant profile.

    The scheduled withdrawal section is located in the top of the boxpanel, and displays a table of scheduled withdrawals. The table contains the following information in the default view:

    Withdrawal Schedule Table Column Name

    Description

    Name

    The name of the scheduled withdrawal.

    Frequency

    How often the withdrawal occurs.

    Amount Type

    The type of withdrawal amount: Actual, Percentage, or Surcharge.

    Amount

    The amount of the withdrawal.

    Float

    The dollar amount that will be withheld from the Referrer's payout.

    Account

    The account that number linked to the withdrawal occurs frompayment.

    Delete

    Click the purple dots to open a the Delete lightbox to delete a withdrawal from the merchants merchant's profile.

    Arrow Icon

    Click on the grey triangle in any row to view additional details for a specific transaction, or click on the grey triangle in the table header to view additional details for all transactions.

    Withdrawal Schedule Actions

    To add a withdrawal schedule to the merchant account, follow the steps below:

    • Step 1: Click ADD WITHDRAWAL SCHEDULES at the top right hand corner of the box panel to open a the Add Withdrawal Schedules lightbox in the page.

    • Step 2: Enter the required information in the lightbox fields.

    • Step 3: To add the withdrawal schedule to the merchant profile, click CREATE WITHDRAWAL, or to cancel click CANCEL.

    To access more information about a specific withdrawal, click any information in a row to open the Withdrawal Schedule.

    The Withdrawal History section is displayed at the bottom of the Withdrawals tab, and displays a table that contains the following information in the default view:

    Withdrawal History Table Column Name

    Description

    ID

    The Payrix-generated ID of the specific withdrawal.

    Date Created

    The date and time that the withdrawal transaction occurred.

    Account

    The last four digits of the account linked to the withdrawal payment.

    Status

    The status of the withdrawal: Requested, Pending, Approved, Denied.

    Amount

    The dollar amount of the transaction of the withdrawal.

    Arrow Icon

    Click on the grey triangle in any row to view additional details for a specific transaction, or click on the grey triangle in the table header to view additional details for all transactions.

    Costs Tab

    xxx find later

    Disputes

    Withdrawal History Action

    Access additional details about a specific withdrawal by clicking any information in the table row to open the Withdrawal Details.

    Costs Tab

    The Disputes Costs tab displays a table with information on any disputes related to any platform or payment facilitation fees associated with the merchantmerchant’s transactions. The Disputes Costs table contains the following information:

    Disputes

    Costs Table

    Column Name

    Description

    Name

    Amount

    The

    name of the customer associated with the disputed transaction.

    TXN ID

    The Payrix-Generated transaction ID.

    amount of the cost or fee, displayed as a negative dollar amount.

    Description

    A description of the fee.

    From

    The name of the payment facilitator.

    Type

    The dollar amount of the

    transaction

    cost or fee shown as a positive increment.

    Account

    Schedule

    The

    account associated with the disputed transaction.

    Created

    The date that the dispute was created.

    Return Code

    The reason for the disputed payment.

    Platform IDs Tab

    Notes Tab

    Documents Tab

    Billing Schedules Tab

    Setup Details Tab

    Funding Parameters Tab

    Payment Updates Tab

    Customize Your Merchant Table View

    You can customize your view using the options found at the top of the table. View the Table Search and Sort Instructions for instructions on customizing, sorting, or searching tables.

    Expand the section below to view a complete list of the data that you can display on the :

    Fees Tab

    Terminal Transactions tab

    Plans

    ...

    Related Pages:

    schedule of when the cost is incurred. The cost may be a one-time payment scheduled, such as those that occur during onboarding, or it may be a recurring payment option fee.

    Disputes Tab

    The Disputes tab displays a table with information on any disputes associated with the merchant. The Disputes table contains the following information:

    Disputes Table Column Name

    Description

    Name

    The name of the customer associated with the disputed transaction.

    TXN ID

    The Payrix-Generated transaction ID.

    Amount

    The dollar amount of the transaction.

    Account

    The account associated with the disputed transaction.

    Created

    The date that the dispute was created.

    Return Code

    The reason for the disputed payment.

    Disputes Table Actions

    Access the /wiki/spaces/PAL/pages/23128440887 for a specific dispute by clicking on any information in the table.

    Platform IDS Tab

    The Platform IDS tab contains information about any payment platforms used by the merchant. There are four platform types displayed on the tab: Vantiv, VCore, Wells Fargo, and First Data.

    The Vantiv Platform IDS section contains the following information:

    Vantiv Platform IDS Field Name

    Description

    MID

    The alphanumeric ID of the specific merchant.

    Legal Entity ID

    The ID number of the merchant business.

    Sub-Merchant ID

    The ID number indicating that the merchant was boarded under another merchant.

    Funding ID

    The ID number of the transaction in which funds are deposited to an account.

    Currency

    The type of currency for the transactions.

    Funding Currency

    Money borrowed in one currency to fund another currency.

    The VCore Platform IDS section contains the following information:

    VCore Platform IDS Field Name

    Description

    MID

    The alphanumeric ID of the specific merchant.

    Funding ID

    The ID number of the transaction in which funds are deposited to an account.

    Store ID

    The ID number of the storefront where the payment platform is used.

    Chain ID

    The ID number of the chain of stores where the payment platform is used.

    Create

    The date that the platform ID was added to the portal.

    Express Sub-Account

    Indicates whether the platform is associated with a VCore Express Sub-Account.

    Account Token

    The tokenized ID of the payment platform.

    Account ID

    The ID number of the bank account connected to the payment platform.

    Acceptor ID

    The ID number of the location from which a money transfer originates.

    Default Terminal ID

    The ID number assigned by default to the platform terminal.

    Currency

    The type of currency for the transactions.

    Funding Currency

    Money borrowed in one currency to fund another currency.

    The Wells Fargo Platform IDS section contains the following information:

    Wells Fargo Platform IDS Field Name

    Description

    MID

    The alphanumeric ID of the specific merchant.

    AMEX Charge ID

    The ID number associated with AMEX transactions.

    Frontend ID

    The ID number associated with the terminal where the merchant requests a transaction authorization and where all configuration and settings are set for the payments process.

    Store ID

    The ID number of the storefront where the payment platform is used.

    Chain ID

    The ID number of the chain of stores where the payment platform is used.

    Currency

    The type of currency for the transactions.

    Funding Currency

    Money borrowed in one currency to fund another currency.

    The First Data Platform IDS section contains the following information:

    First Data Platform IDS Field Name

    Description

    MID

    The alphanumeric ID of the specific merchant.

    Chain ID

    The ID number of the chain of stores where the payment platform is used.

    Currency

    The type of currency for the transactions.

    Funding Currency

    Money borrowed in one currency to fund another currency.

    Notes Tab

    The Notes tab displays Merchant and Transaction Notes associated with the Merchant Profile. You can add or edit notes found in the tables on this tab.

    Merchants Notes

    Navigate to the Merchant Notes section by clicking on MERCHANTS NOTES in the top left hand corner of the tab. The Merchants Notes table contains the following information:

    Merchants Notes Table Column Name

    Description

    Created

    The date and time that the note was added to the portal.

    Created By

    The entity that created the note.

    Type

    The type of note:

    • Note

    • Risk

    • Approved Risk

    • Pending Risk

    • Cancelled Risk

    • Denied Risk

    • Closed Risk

    • Investigation Risk

    • Pending Data

    • Risk Funds

    • Released Risk

    • Activity Approved

    Public

    Indicates whether the note is public.

    Source

    The source of the note.

    Note

    The contents of the note.

    Merchant Notes Action

    To add a new note to the Merchants section, follow the steps below:

    • Step 1: Click ADD NOTE in the top right hand corner of the tab to open the Add Note lightbox in the page.

    • Step 2: Select the type of note from the drop down menu and enter the note contents into the Note field.

    • Step 3 (Optional): To make the note public, click MAKE NOTE PUBLIC.

    • Step 4: To add the note to the table, click ADD. Otherwise, cancel the note and delete any information entered by clicking CANCEL.

    Transaction Notes

    Navigate to the Transaction Notes section by clicking on TRANSACTION NOTES in the top left hand corner of the tab. The Transaction Notes table contains the following information:

    Transaction Notes Table Column Name

    Description

    Created

    The date and time that the note was added to the portal.

    Created By

    The entity that created the note.

    Type

    The type of note:

    • Note

    • Risk

    • Approved Risk

    • Pending Risk

    • Cancelled Risk

    • Denied Risk

    • Closed Risk

    • Investigation Risk

    • Pending Data

    • Risk Funds

    • Released Risk

    • Activity Approved

    Public

    Indicates whether the note is public.

    Source

    The source of the note.

    Payment

    The type of payment associated with the transaction.

    TXN Amount

    The dollar amount of the transaction.

    Note

    The contents of the note.

    Documents Tab

    The documents tab contains downloadable documents associated with the merchant profile, and allows you to upload new documents. The Documents table contains the following information:

    Documents Table Column Name

    Description

    Type

    The type of document:

    • General

    • Personal ID

    • Company ID

    • Voided Check

    • Bank Statement

    • Bank Letter

    • Contract

    Name

    The name of the document.

    Note

    A note that describes the document.

    Status

    The execution status of the document: Processed, Pending, or Failed.

    Documents Actions

    Click on the three dots in the right hand side of the table row to open a drop down menu with the following options:

    • Download: Download a copy of the file containing the document.

    • Edit: Edit information associated with the document.

    • Remove: Remove the document from the portal. See below for more information.

    • Copy ID: Copy information associated with the document.

    To remove a document from the Documents table, follow the steps below:

    • Step 1: Click on the three dots in the right hand side of the table row to open a drop down menu in the page.

    • Step 2: Click REMOVE in the drop down menu.

    • Step 3: To delete the document, click CONFIRM. To keep the document and return to the Documents table, click CANCEL.

    Panel
    panelIconIdatlassian-note
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    NOTE: Once a document is removed from the portal, its contents will be permanently deleted.

    Billing Schedules Tab

    The Billing Schedules tab contains information about subscription payments associated with the merchant profile, and allows you to add new billing schedules to the profile. The Billing Schedules table displays the following information:

    Billing Schedules Table Column Name

    Description

    Schedule

    The billing schedule for the subscription payment.

    Interval

    The frequency of the billing schedule.

    Start

    The start date of the billing schedule.

    Finish

    The end date of the subscription.

    Collection Factor

    How often the payment is collected:

    • Daily

    • Weekly

    • Monthly

    • Annually

    Collection Offset

    A set interval of time in which bill collection may be delayed or initiated early.

    Currency

    The type of currency used by the billing schedule transaction.

    Description

    A description of the billing schedule entered by the Referrer or the Merchant.

    Billing Schedules Action

    Add a new billing schedule by following the steps below:

    • Step 1: Click ADD BILLING SCHEDULE to open the Add Billing Schedule lightbox in the page.

    • Step 2: Enter the information in the lightbox fields.

    • Step 3: To save the new billing schedule, click ADD. To cancel and delete the entered information, click CANCEL.

    Setup Details Tab

    The Setup Details tab contains details of the merchant’s parameters as dictated by the Referrer. The parameters are divided into six sections, located at the top of the Setup Details tab.

    General

    The General section of the Setup Details tab displays information related to the merchants abilities in the portal, including the following information:

    General Section Field Name

    Description

    Account Verification Disabled

    Indicates whether the account verification feature is enabled.

    Setup Details Enabled

    Indicates whether setup parameters are visible by the merchant.

    Decision Micro-Service Enabled

    Indicates whether a micro-service process for decisions is enabled for the merchant. For more information about micro-services, see /wiki/spaces/PPM/pages/22987505821.

    Transaction Decisions Micro-service Enabled

    Indicates whether the a micro-service process for transactions is enabled for the merchant.

    Boarding

    The Boarding section of the Setup Details tab contains information related to the merchant’s boarding capabilities, including the following information:

    Boarding Section Field Name

    Description

    Opt Blue Enabled

    Indicates whether boarded merchants should be acquired for Amex processing through the OptBlue Program.

    Discover Acquired Enabled

    Indicates whether boarded merchants should be acquired for Discover processing through the Discover Acquired Program.

    Verify for Boarding Not Required

    Requires bank account verification before a merchant is boarded.

    Auto Reboard Days

    The number of days after the merchant's onboarding request is submitted to attempt reboarding in the event that the account went through a manual review on the processor's end. This will resubmit the boarding request to attempt to board a merchant that has not yet boarded. The default setting is 60.

    Whether to Disable Merchant Boarding to Processors

    Allows you to disable merchant boarding to processors.

    Minimum Boarding Ownership

    The minimum percentage of ownership required for merchant onboarding over all members.

    Boarding Exemptions Disabled

    Indicates whether certain API requirements to submit requests without all the required fields are disabled.

    Transaction Limits.

    The Transaction Limits section of the Setup Details tab contains information related to the merchant’s transaction limits, including the following information:

    Transaction Limits Field Name

    Description

    Maximum Total Transaction

    The dollar amount of the maximum total amount for a single transaction to be processed through the merchant.

    Maximum Daily Transaction Total

    The dollar amount of the maximum total volume that the merchant can process per day.

    Maximum Daily Transaction Number

    The maximum number of transactions that the merchant can process per day.

    Maximum Monthly Total

    The dollar amount of the maximum total volume that the merchant can process per month.

    Maximum Monthly Transaction Number

    The maximum number of transactions that the merchant can process per month.

    Maximum Subscription Failures

    The maximum number of attempts allowed on a subscription payment.

    Amex Enabled

    Allows the merchant to accept AMEX payments.

    Discover Enabled

    Allows the merchant to accept Discover payments.

    MC 3DSecure Enabled

    Allows the merchant to process Mastercard 3DSecure.

    VISA 3DSecure Enabled

    Allows the merchant to process VISA 3DSecure.

    AMEX 3DSecure Enabled

    Allows the merchant to process AMEX 3DSecure.

    DISCOVER 3DSecure Enabled

    Allows the merchant to process Discover 3DSecure.

    eCheck Enabled

    Allows the merchant to process eChecks.

    Auto Tax Exempt Enabled

    Indicates whether a transaction is assumed to be tax exempt if no tax is set for level II processing.

    Google Pay Exempt Enabled

    Allows the merchant to accept Google Pay payments.

    Apple Pay Exempt Enabled

    Allows the merchant to accept Apple Pay payments.

    Minimum Total Transaction

    The minimum total dollar amount required for a single transaction to be processed.

    Payouts

    The Payouts section of the Setup Details tab contains information related to the merchant’s payout limits, including the following information:

    Payouts Field Name

    Description

    Maximum Payout Credit Total

    The maximum credit allowed to the merchant for payout, shown as a dollar amount.

    Minimum Payout Debit Total

    Minimum debit allowed to the merchant for payout, shown as a dollar amount.

    Funding Enabled

    Allows the boarded merchant to make withdrawals.

    Vendor Fees External

    Allows the merchant to disburse vendor fees through an external facilitator operating account.

    Verify For Payout Not Required

    Indicates whether account verification is required before merchant is allowed to make withdrawals.

    Include ACH Holidays and Weekends In Payout Delay

    Indicates whether to include ACH holidays and weekends in payout delay.

    Payout Include Pending

    Allows the merchant to withdraw a payout if pending funds cover the negative balance.

    Minimum Debit Processing Delay

    The minimum number of business days before a debit is processed and made available for funding. The default setting is 5.

    MC Instant Payouts Enabled

    Indicates whether instant payouts (Push To Card) for Mastercard transactions are enabled.

    VISA Instant Payouts Enabled

    Indicates whether instant payouts (Push To Card) for VISA transactions are enabled.

    Same Day Payouts Enabled

    Indicates whether same day payouts enabled.

    MC Instant Payout Max

    The maximum amount disbursed for instant payout (Push To Card) for Mastercard transactions, shown as a dollar amount.

    VISA Instant Payout Maximum

    The maximum amount disbursed for instant payout (Push To Card) for VISA transactions, shown as a dollar amount.

    Maximum Same Day Payout Credit Total

    The maximum amount of credit transactions allowed for same day payout, shown as a dollar amount.

    Minimum Same Day Payout Debit Total

    The minimum amount of debit transactions required to create a same day payout, shown as a dollar amount.

    Same Day Payouts Daily Max

    The maximum dollar amount allowed daily for same day payouts.

    Minimum Payout Credit Total

    The minimum credit dollar amount allowed for payout.

    Maximum Payout Debit Total

    The maximum debit dollar amount allowed for payout.

    Minimum Available Funds

    The minimum available dollar amount of funds an entity must have. If the entity is below this threshold credit payouts won't be processed and a debit will be processed to bring the entity's funds up to this threshold amount.

    Minimum Payout Delay

    The minimum number of days the payout will be delayed from date of request until it is processed.

    Minimum Statement Debit Payout Delay

    A delay that is set on the payout related to a statement. Set to 0 if it should operate the same as credit payouts.

    Minimum Funds Payout Total

    The minimum total debit allowed for payout, shown as a dollar amount.

    Minimum First Payout Delay

    The number of days the first payout will be delayed from date of request until it is processed.

    Min eCheck Capture Delay

    The number of days to delay funds processing for an eCheck sale. The default setting is 1.

    MC Instant Payout Min

    The minimum dollar amount required for instant payout (Push To Card) for MasterCard transactions

    VISA Instant Payout Minimum

    Minimum amount required for instant payout (Push To Card) for VISA transactions

    Minimum Same Day Payout Credit Total

    The minimum dollar amount of credit transactions required to create a same day payout.

    Maximum Same Day Payout Debit Total

    The maximum dollar amount of debit transactions allowed for same day payout

    Minimum Debited Available Funds

    Defines the threshold to which the entity's available funds will be returned. This event is triggered when an automated Debit disbursement is requested, due to the Minimum Available Funds falling below the defined setting,

    Extra

    The Extra section of the Setup Details tab contains the following additional information about the merchant profile:

    Extra Field Name

    Description

    Vendor Fees Enabled

    Allows vendors to create and assess fees on merchants.

    Refund Releases Reserve

    A refund processed for a reserved transaction will automatically release that reserve.

    Account Updater Enabled

    Indicates whether payments will be checked for updates. Payments will be checked and updated if enabled

    Update all tokens enabled

    When enabled, this parameter will send all tokens. When NOT enabled, this will only send subscription tokens (tokens associated with recurring billing schedules).

    Account Updater Frequency

    The frequency to check for payment updates.

    Visa Misuse Settlement

    The number of days before an auth misuse fee should be charged on a VISA transaction that has not settled. The default setting is 10.

    Visa Misuse Travel Auto Settlement

    The number of days before an auth misuse fee should be charged on a VISA transaction that has not settled. Applies only to merchants with a Travel & Entertainment merchant category code (MCC).

    Visa Misuse Card Present Reversal

    The number of hours before an auth misuse fee should be charged on a card-present VISA transaction that was not reversed within the timeframe. The default setting is 24.

    Visa Misuse Card Not Present Reversal

    The number of hours before an Auth Misuse fee should be charged on a card-not-present VISA transaction that was not reversed within the timeframe. The default setting is 24.

    MasterCard Misuse Settlement

    The number of hours before an Auth Misuse fee should be charged on a card-not-present Mastercard that wasn't reversed within the timeframe. The default setting is 168.

    MasterCard Misuse Card Present Reversal

    The number of hours before an Auth Misuse fee should be charged on a card-present Mastercard transaction that wasn't reversed within the timeframe. The default setting is 24.

    MasterCard Misuse Card Not Present Reversal

    The number of hours before an Auth Misuse fee should be charged on a card-not-present Mastercard transaction that wasn't reversed within the timeframe. The default setting is 72.

    MasterCard Misuse Travel Auto Reversal

    The number of hours before an Auth Misuse fee should be charged on a Mastercard transaction that wasn't reversed within the timeframe. Applies only to merchants with a Travel & Entertainment merchant category code (MCC). The default setting is 480.

    Advanced

    The Advanced section of the Setup Details tab contains the following additional information about the merchant profile:

    Advanced Field Name

    Description

    surchargeEnabled

    This field confirms with VAP/Vcore that the sub-merchant can send surcharging with their transaction https://developerengine.fisglobal.com/apis/express/features/surcharging

    payoutCutoffTime

    The time before which payout must occur in order to receive funds that day.

    debtRepaymentEnabled

    Related to cash advances or other funding mechanisms available to the merchant.

    declineNotificationEmail

    Indicates the email message settings for declined payouts.

    holdMessagesDisabled

    Indicates the portal message settings for declined payouts.

    omniTokenEnabled

    Indicates whether Omni Token-related transactions are enabled for the merchant.

    passTokenEnabled

    Indicates whether Pass Token-related transactions are enabled for the merchant.

    Funding Parameters Tab

    The Funding Parameters tab contains details of the merchant’s funding parameters as dictated by the Referrer, and allows you to add new parameters to the merchant profile. Each established funding parameter is displayed in a table, which includes the following information:

    Funding Parameter Table Column Name

    Description

    Name

    The name of the funding parameter.

    Created

    The date that the funding parameter was created.

    Type

    The type of funding parameter:

    • Delay

    • Off Day Additional Delay

    • Custom Batch Close Time

    • Settlement Account Transfer Delay

    • Settlement Account Transfer Enabled

    • Settlement Account Transfer Float

    • Settlement Account Transfer Maximum

    • Settlement Account Transfer Minimum

    • Settlement Account Transfer Percent

    Value

    The funding parameter value as a dollar amount.

    Funding Parameter Action

    To add a new funding parameter, follow the steps below:

    • Step 1: Click ADD FUNDING PARAMETER to open the Add Funding Parameter lightbox in the page.

    • Step 2: Enter information about the new funding parameter in the lightbox fields.

    • Step 3: Save the new funding parameter by clicking ADD, or click CANCEL to discard the parameters information and return to the Funding Parameters tab.

    Payment Updates Tab

    The Payment Updates tab contains information about updated payment methods associated with customers that have made transactions through the merchant’s account. The updated payments are displayed in a table which contains the following information in the default view:

    Payment Updates Column Name

    Description

    Customer

    The name of the customer.

    Order Number

    The order number for any orders that were placed using the payment method.

    Token

    The cryptographically-generated token representing the payment method.

    Last 4

    The last four digits of the credit card.

    Expiration

    The expiration date of the credit card.

    Updated Date

    The date that the payment was updated.

    Status

    The status of the payment: Active or Inactive.

    Last Payment Made

    The date and time that the last payment was made using the updated payment method.

    Payment Updates Action

    You can download a complete list of information contained in the Payment Updates table by clicking either .CSV or .XLS in the upper right hand corner of the page.

    Customize Your Merchant Table View

    You can customize your view using the options found at the top of the table. View the Table Search and Sort Instructions for instructions on customizing, sorting, or searching tables.

    Expand the sections below to view a complete list of the data that you can display on each customizable table on the Merchant Profile page:

    Expand
    titleClick here to view the list of Fees Tab customizations:

    Fee Data

    • ID

    • Date Created

    • Created by

    • Date Modified

    • Modified By

    • For Entity ID

    • Schedule Factor

    • End

    • Description

    • Collection

    • Collection Factor

    • Collection Offset

    • Currency

    • Status

    Entity Data

    • Entity ID

    • Login ID

    • Parameters ID

    • Type

    • Address

    • City

    • State

    • Zip

    • Country

    • Phone

    • Fax

    • Email

    • Website

    • EIN

    • Currency

    • Status

    • Custom

    Expand
    titleClick here to view the list of Terminal Transactions Tab customizations:

    Terminal TXN Data

    • Terminal TXN ID

    • Currency

    • Date Created

    • Created by

    • Date Modified

    • Modified By

    • Type

    • Description

    • Order Number

    • Tax Amount Status

    • Approved

    • Card Referrer

    Entity Data

    • Custom Entity ID

    • Login ID

    • Parameters ID

    • Type

    • Name

    • Address

    • City

    • State

    • Zip

    • Country

    • Phone

    • Fax

    • Email

    • Website

    • EIN

    • Currency

    • Status

    Customer Data

    • Company

    • Zip

    • First Name

    • Last Name

    • Address

    • City

    • State

    • Country

    • Phone

    • Email

    Merchant Data

    • Merchant ID

    • DBA - Statement Descriptor

    • MCC

    • Date Created

    • Created by

    • Date Modified

    • Modified By

    • Date Boarded

    • Last Transaction Date

    • Date Established

    • Status

    Expand
    titleClick here to view the list of Plans Tab customizations:

    Plan Data

    • Name

    • Schedule

    • Amount

    • Status

    • ID

    • Date Created

    • Description

    • Created by

    • Date Modified

    • Modified By

    • Merchant ID

    Expand
    titleClick here to view the list of Payment Updates Tab customizations:

    Payment Update Data

    • Token

    • Last 4

    • Expiration

    • Status

    • ID

    • Date Created

    • Created by

    • Modified By

    • Payment Update

    • Group Payment

    • Account Message

    Customer Data

    • Phone

    • Email

    • ID

    • Created

    • Created by

    • Date Modified

    • Modified By

    • Login

    • First Name

    • Last Name

    • Company

    • City

    • State

    • Zip

    • Country

    Related Pages:

    Click the links in the Merchant Profile to access any of the following pages: