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: 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.

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: 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 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 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: 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 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: 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 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 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 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 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 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 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 Tab

The Fees 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 or merchant.
Amount	The dollar amount of the fee.
Type	The type of fee selected by the referrer.
Repeat Every	How often is the fee 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 below:

Step 1: Click ADD FEES in the upper right hand corner of the Fees tab to open a 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' 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 displaying the group name. A 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.

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 the terminal.
Name	The name of the terminal as designated by the merchant or referrer.
Auto Close	Indicates whether the terminal automatically closes. Choose from the following: Host, Terminal, or None.
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 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 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 the credit card involved in the transaction.
Payment	Indicates whether the payment was submitted at the terminal.
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.
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 the profit share.
Created	The date and time that the profit share was created.
Name	The name of the profit share, generated by the referrer.
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:

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

Step 1: Click ADD PROFIT SHARE to open a 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 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 subscriptions associated with 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:

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 displays a 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 tab displays the scheduled withdrawal table in the top of the box. 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 the withdrawal occurs from.
Delete	Click the purple dots to open a lightbox to delete a withdrawal from the merchants 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 to open a 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 table is displayed at the bottom of the Withdrawals tab.

Costs Tab

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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.

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

Click here to expand...

Merchant Profile

Merchant Profile Features

Merchant Information Banner

Merchant Transaction History Graph

Accounts Overview Box

Business Tab

Business Tab Actions

Owners Tab

Owners Tab Actions

Banking Tab

Banking Tab Actions

Reserves Tab

Scheduled Reserves

Merchant Risks Panel

Transactions In Reserve Panel

Hold Reserves

Fees Tab

Fees Tab Actions

Groups Tab

Terminals Tab

Terminals Tab Actions

Terminal Transactions Tab

Terminal Transactions Actions

Profit Sharing Tab

Profit Sharing Actions

Plans Tab

Plans Actions

Withdrawals Tab

Withdrawal Schedule Actions

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

Related Pages: