Merchant Profile

The Merchant Profile page contains information about a specific merchant boarded through your Referrer account, including the merchant account’s balance details, payment activity, and editable account details.

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

Click 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 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:

Access the Merchant Dashboard View by clicking on the DOOR ICON below the merchant name.
View the Merchant Balance Details by clicking the in the Account Balance icon.

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 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, which includes tabs on the left hand side of the box. The tabs contains editable details about the merchants 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 associated with the merchant account. It is divided into a Business Details section and an Account Details section. Click the BUSINESS tab or the ACCOUNT tab at the top of the box 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 documentation of a transaction.
EIN Type	Indicates if the EIN being used is a TIN or SSN or "other/unknown" number.
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 the company is publicly listed. Choose Yes or No.
Custom Description	A description entered by the merchant or referrer.
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 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 the merchant’s business.
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 the business operates at. Choose from the following: Retail Storefront, Warehouse, Private Residence, Other, or Res-Prof/Construction.
New	Indicates whether this merchant 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 merchant.
Address 2	The suite number or other information associated with the merchant address.
City	The city associated with the merchant mailing address.
State	The state associated with the merchant mailing address.
Zip	The zip code associated with the merchant mailing address.
Country	The country associated with the merchant mailing address.
Time Zone	The time zone at the location associated with the merchant mailing address.
Phone	The phone number associated with the merchant contact information.
Customer Service Phone	The business customer service phone number.
Fax	The 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 the merchant.
Entity ID	The Payrix-generated ID associated with 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 the merchant’s division.
Division Name	The name of the portfolio associated with a Referrer.
Fund ID	The Payrix-generated ID associated with fund that receives payouts 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 merchant.
Boarding Status	The boarding status of the merchant: Successfully Boarded, Pending, or Denied.
Status	The status of the merchant: Active or Inactive.
AMEX	The AMEX credit card number associated with the merchant account.
Discover	The 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 which batch actions are closed. Choose from the following: 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 environment.
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: To save the edited information, click the CHECK MARK at the top right hand corner of the page, or cancel and revert to the previous information by clicking the X.

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 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 primary owner’s account.
First Name	The first name of the primary owner.
Middle Name	The middle name of the primary owner.
Last Name	The 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 drivers license number of the primary owner.
Drivers License State	The drivers license state of the primary owner.
Address	The street address associated with the primary owner.
Address 2	The suite number or other information associated with the primary owner address.
City	The city associated with the primary owner mailing address.
State	The state associated with the primary owner mailing address.
Zip	The zip code associated with the primary owner mailing address.
Country	The country associated with the primary owner 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 phone number associated with the primary owner’s contact information.
Fax	The 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. 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: To save the edited information, click 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 lightbox in the page.
Step 2: Enter the information for the new owner into the required fields.
Step 3: To save the new owner information, click ADD at the bottom of the lightbox. To cancel, click CANCEL to close the lightbox.

The following options are available

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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 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:

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 lightbox will open in the page.
Step 2: To relink the account, click 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 by clicking CANCEL.

To add a new account, follow the steps below:

Step 1: Click ADD NEW ACCOUNT to open a lightbox in the page.
Step 2: To relink the account, click 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 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 Banner, which shows the total dollar amount of reserves for the merchant, transactions, and the total amount of reserves.

Scheduled - Funds that are held and released on a set schedule.

Merchant Risks - Funds currently in reserve due to Merchant Risk.

Transaction - Transactions held in reserve due to Transaction Risk

Hold

Manage Hold Resevres

Fees Tab

Groups Tab

Terminals Tab

Terminal Transactions Tab

Profit Sharing Tab

Plans Tab

Withdrawals Tab

Costs Tab

Disputes Tab

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 :

Click here to expand...

Related Pages:

Management
Merchants