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’s name, 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.

The Merchant Transaction History Graph supports the following actions:

View more details about the merchant's recent transactions by clicking VIEW TRANSACTIONS at the top right hand corner of the graph to open the Merchant Payment History.
Access the Merchant Transaction Risk by clicking TRANSACTION RISK at the top right hand corner of the graph.
Access information about Merchant Underwriting by clicking UNDERWRITING at the top right hand corner of the graph.

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 box. The tabs contains editable details about the 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 businesses associated with the merchant account. It is divided into a Business Details section and an Account Details section. Click either BUSINESS or ACCOUNT at the top of the 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 documentation of a transaction.
EIN Type	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: Sole Proprietor Corp LLC Partner Nonprofit Gov.
Public Company	Identifies whether 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 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 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 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 where the business operates: Retail Storefront Warehouse Private Residence Other 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 portion of the merchant’s mailing address.
Address 2	The suite number or other information associated with the merchant address.
City	The city portion of the merchant’s mailing address.
State	The state portion of the merchant’s mailing address.
Zip	The zip code portion of the merchant’s mailing address.
Country	The country portion of the merchant’s mailing address.
Time Zone	The time zone at the location of the merchant’s mailing address.
Phone	The merchant’s phone number.
Customer Service Phone	The phone number used to reach the business' customer service department.
Fax	The merchant’s fax number.

The Account section contains the following editable fields:

Account Details Section Field Name	Description
Merchant ID	The Payrix-generated ID of the merchant.
Entity ID	The Payrix-generated ID 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 of the merchant’s division.
Division Name	The name of the portfolio of a Referrer.
Fund ID	The Payrix-generated ID 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 for 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 merchant account’s AMEX credit card number.
Discover	The merchant account’s Discover credit card number.
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: 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 methods by which the batch is closed: Time Initiated 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(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 of the 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 portion of the primary owner’s mailing address.
Address 2	The suite number or other information associated with the primary owner address.
City	The city portion of the primary owner’s mailing address.
State	The state portion of the primary owner’s mailing address.
Zip	The zip code portion of the primary owner’s mailing address.
Country	The country portion of the primary owner’s mailing address.
Citizenship	The primary owner’s citizenship.
Timezone	The time zone at the primary owner’s mailing address.
Phone	The primary owner’s phone number.
Fax	The primary owner’s fax number.
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, or cancel by clicking CANCEL to close the lightbox.

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 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 your editing 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 revert 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 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 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 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 of the terminal.
Name	The name of the terminal as designated by the merchant or referrer.
Auto Close	Indicates whether the terminal is 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: Authorize.net PAX Terminals DEJAVOO NMI Cybersource Core 610 Verifone UIC Var - Freedom Pay 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 Approved, Pending, or Failed.
Cardholder	The name of the cardholder whose credit card is 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 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 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 actions:

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 with subscriptions 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 actions:

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 box, 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 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 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 that the withdrawal was made from.
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.

Withdrawal History Actions

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

Costs Tab

The Costs tab displays any costs associated with the merchant.

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 Dispute Details 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	Multi-Merchant ID, indicating that the platform is associated with multiple merchants.
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 bank account linked with the platform funding mechanism.
Currency	The type of currency that the platform processes transactions using.
Funding Currency	The type of currency for the transactions.

The VCore Platform IDS section contains the following information:

VCore Platform IDS Field Name	Description
MID	Multi-Merchant ID, indicating that the platform is associated with multiple merchants.
Funding ID	The ID number of the bank account linked with the platform funding mechanism.
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 that the platform processes transactions using.
Funding Currency	The type of currency for the transactions.

The Wells Fargo Platform IDS section contains the following information:

Wells Fargo Platform IDS Field Name	Description
MID	Multi-Merchant ID, indicating that the platform is associated with multiple merchants.
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 that the platform processes transactions using.
Funding Currency	The type of currency for the transactions.

The First Data Platform IDS section contains the following information:

First Data Platform IDS Field Name	Description
MID	Multi-Merchant ID, indicating that the platform is associated with multiple merchants.
Chain ID	The ID number of the chain of stores where the payment platform is used.
Currency	The type of currency that the platform processes transactions using.
Funding Currency	The type of currency for the transactions.

Note: The merchant selects the active and default settings for each platform.

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 a 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 description of the note.
Status	The status of the note: 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.

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	The float time of the billing schedule interval.
Currency	The currency that the billing schedule transaction will occur in.
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 a 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 the a micro-service process for decisions is enabled for the merchant. For more information about micro-services, see Microservice Projects.
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 Processors 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 that the entities available funds will be brought back to. 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 Master Card 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	Indicates whether a surcharge is applied to the merchant’s fee or payout.
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 Actions

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

Step 1: Click ADD FUNDING PARAMETER to open a 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:

Click 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

Click 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

Click 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

Click 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: