General FAQ's

• When can I expect funds from a sale to settle into my bank account?
• Where are my transaction funds deposited?
• Which credit cards will I be able to accept?
• How do I change my address and /or phone number?
• How do I change the checking account that is linked to my merchant account?
• How do I change the business name on my merchant account?
• How do I increase my processing limit?
• How do I close my merchant account?
• How do I change the ownership information if I've recently acquired or sold the business?

When can I expect funds from a sale to settle into my bank account?

If you have a terminal, you will need to close your batch at the end of the day. If you use our WonderPay software, it will automatically batch out for you. Once your sales are batched out, funds from your credit card transactions will typically settle into your account within 2 to 3 business days. If you have ACH (Online Checks) with our WonderPay software, the amount of time it takes to settle a online check into your checking account is 8 banking days.

Where are my transaction funds deposited?

The funds from your electronic transactions are deposited into the checking account that you specified on your Applied Merchant Systems merchant application.

Which credit cards will I be able to accept?

Applied Merchant Systems will initially set you up to accept Visa and Mastercard. We also have special enrollment programs for Discover and American Express. Please ask your sales representative about this. Any additional card (i.e. Diners Club, JCB) can be added by submitting a Card Addition/Change Request Form. You can find this form on our web site under Customer Support>Forms.

How do I change my address and /or phone number?

Complete, and fax as indicated, the Address/Phone/Fax Change Request Form. You may obtain this form on our web site under Customer Support>Forms. The change will be completed within five (5) business days of receipt.

How do I change the checking account that is linked to my merchant account?

It is extremely important to notify Applied Merchant Systems immediately upon any change in the checking account that is linked your merchant account. Failure to notify Applied Merchant Systems may result in the delayed deposit of funds to your checking account. Complete, and fax as indicated, the Checking Account Change Request Form with all required information. You may obtain this form on our web site under Customer Support>Forms. A voided check from the new account must be provided with the change request. The change will be completed within five (5) business days of receipt. The original checking account should be left open with funds available during the transition to the new account.

How do I change the business name on my merchant account?

If there is a change in the business name and/or the DBA, either the Fictitious Name filing statement or the Articles of Incorporation must be provided to Applied Merchant Systems. To make this change to your merchant account, please complete, and fax as indicated, the Business Name Change Form. You may obtain this form on our web site under Customer Support>Forms. The change will be completed within five (5) business days of receipt.

How do I increase my processing limit?

This request must be submitted in writing with the new requested average ticket amount and average monthly volume amount. To make this change to your merchant account, please complete, and fax as indicated, the Processing Limit Change Form. You may obtain this form on our web site under Customer Support>Forms. Additional documentation may be required.

How do I close my merchant account?

To close your merchant account, please complete, and fax as indicated, the Account Closure Form. You may obtain this form on our web site under Customer Support>Forms.

How do I change the ownership information if I've recently acquired or sold the business?

The new owner must complete a new application and agreement. Contact your Sales Representative for assistance.


 

WonderPay FAQs

• What is Wonderpay?
• Will I need to install Wonderpay on my computer?
• Do I need to pay for upgrades in the future?
• Does your service automatically come with a merchant account?
• Can I use my existing merchant account and process my credit cards through Wonderpay?
• How do I log into the Online Merchant Center?
• How long does it take to integrate the Wonderpay Online Commerce Suite into my website?
• I don't have a website. Can I still use Wonderpay?
• Can I view a report of fees charged against my account by Wonderpay?
• How long does it take for a transaction to take place?
• How will I know when the setup of my account is complete?
• What are Wonderpay Online Checks?
• What is the Recurring system?
• What is the Membership system?
• How secure is my transaction information?
• What is AVS?
• How do I process a voice authorization?
• I don't have access to any of the menus on the left-hand frame. It says I need to contact my administrator for access.

What is Wonderpay?

Wonderpay is a web-based payment gateway that allows you to process electronic transactions securely over the Internet.

Will I need to install Wonderpay on my computer?

No. Because Wonderpay is web-based, you will not have to install new software on your computer. You can access all of the Wonderpay tools from any computer connected to the Internet.

Do I need to pay for upgrades in the future?

No. Periodic upgrades will be made available to all Wonderpay users free of charge.

Does your service automatically come with a merchant account?

Yes. Unless otherwise specified, Applied Merchant Systems will provide a custom merchant account and integrate it into your Wonderpay Online Commerce Suite.

Can I use my existing merchant account and process my credit cards through Wonderpay.

Yes, if your bank supports Internet transactions and uses an authorizing network that is recognized by Wonderpay.

How do I log into the Online Merchant Center?

Go to https://secure.wonderpay.com/admin/login.taf and fill in the following fields: Acct Id, User Id, and Password. This information is sent via email once your account has been set up.

How long does it take to integrate Wonderpay into my website?

The actual time required to begin processing transactions from your web site depends on the integration method you select and the technical expertise of your staff. Many web solutions companies already have Wonderpay integrated into their sites. If this is the case, you can simply go to the administrative controls page for your website and enter in your Wonderpay account information and the linking will be complete within minutes.

I don't have a website. Can I still use Wonderpay?

Absolutely. You can log into the Wonderpay Online Commerce Suite and choose one of the virtual terminal options. Many of our merchants use Wonderpay to process transactions for their non-website businesses (i.e mail order, phone order, and home-based).

Can I view a report of fees charged against my account by Wonderpay?

Your fee invoices are available online 24 hours a day, 7 days a week. Simply login to Wonderpay and select the Invoices/Fee Report under the Accounting menu in the left-hand frame.

How long does it take for a transaction to take place?

Transactions submitted to the Wonderpay payment gateway engine are processed in real time, and take approximately 1-3 seconds to return a response.

How will I know when the setup of my account is complete?

Once your account has been completed, you will receive notification via email. This email will contain all the information you need to start processing transactions right away.

What are Wonderpay Online Checks™?

Wonderpay Online Checks™ provide your customers with the convenience of making online purchases by debiting their personal checking accounts. A customer simply fills in a form at your website with bank information printed at the bottom of his or her personal check. The information is processed as an Electronic Funds Transfer (EFT) to the customer's account via the Automated Clearinghouse (ACH) payment system. This is the same system used by the Federal Government to distribute pension, insurance, retirement payments and to collect taxes.

What is the Recurring system?

The Recurring System in Wonderpay enables you to automatically rebill your customers' credit card or checking account on a scheduled basis (i.e. weekly, monthly, quarterly, etc.). Recurring billing can be configured via the Online Merchant Center Virtual Terminal, or one of the other integration methods. Refer to the Online Documentation for information on how to submit recurring transactions.

What is the Membership system?

The Membership System in Wonderpay enables you to establish and manage a membership site to manage password-protected web sites and recurring billing. The Membership system requires no additional third-party software if your server runs on a UNIX-based platform. Wonderpay Technical Support remotely installs and tests the software scripts on your Merchant e-Commerce server. During setup, Technical Support configures the user interface, checks paths, sets up templates and sends links to you for Sign Up pages. The membership system allows you to easily create unlimited subscription profiles for the different price and duration combinations you intend to offer. You can configure how many times to retry declined recurring transactions, download your member database to your PC and even generate retention reports. If your Web site is hosted on a Windows NT/2000 server running IIS Web Server, you will need additional third party software to interface with Wonderpay. For details, contact Customer Service.

How secure is my transaction information?

Wonderpay protects consumer payment information while in transit over the Internet. Security mechanisms use mathematical algorithms to encrypt data before it is sent and decrypt the data as it is received. Wonderpay uses RSA or Triple DES for secured network transactions. For more detailed information refer to the Wonderpay Integration Guide documentation.

How do I process a voice authorization?

Login to Wonderpay and scroll down to the Virtual Terminal in the left-hand frame. Select the Process Online Charge screen. Enter the transaction information and select the Voice Auth Capture radio button. Enter the authorization code and submit the transaction.

I don't have access to any of the menus on the left-hand frame. It says I need to contact my administrator for access.

• If you're using Internet Explorer, please do the following:
• Select Tools
• Click on Internet Options
• Under Temporary Internet Files, select Delete Files.
• Next box will prompt you to select, Delete all offline content, and select OK.
• You will be taken back to the Internet Options box, select OK.
• If you're using Netscape Navigator, please do the following:
• Click on Edit
• Select Preferences
• Under Category files, select Advanced
• Next select on Cache
• Select Clear Memory Cache
• After you have cleared the Memory Cache, select Clear Disk Cache
• Now select OK.
• After following these instructions you should be able to access all the Menus in Online Merchant Center.

What is AVS?

Address Verification System (AVS) matches the known address information on file at the cardholders issuing bank's AVS database against the billing address information provided by the consumer/merchant.

If the information does not match, the transaction is declined. Transactions declined due to non-match of AVS are still pre-authorized (reserved/hold amount that will decrease the consumers limit) by the credit card network, but the sale amount will not be charged to the credit card holder's account and will not be deposited to your bank account.

Merchants have the option of selecting the level of match required for an approved transaction. Refer to the FRISK™ section of the Online Documentation for more information regarding configuring AVS options.

The service only applies to credit card transactions.