Settings Defaults

Type:    Form

Description: Provides access to various default settings of the reseller.

Items:

Modify Settings

Includes various options to modify reseller settings.

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Actions

Allows to enable or disable all default settings at once.

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Disable Defaults

Disables all default settings represented on the page.

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Enable Defaults

Enables all default settings represented on the page.

Save		Saves all changes on the form.

Refresh

Allows to refresh all the settings on the selected reseller.

Processing

Includes various processing settings.

Services

Includes tokenization and proxynization services settings.

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Token Format

Enumeration of possible tokenization policy formats available for the merchant in the system. References: Merchant.Tokenization Format CL

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Simple

Indicates that the Simple (ex. Legacy) token format is selected.

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Extended

Indicates that the Extended token format is selected.

Token Removal

Reference to the entity that represents modes that are used to remove tokenization. References: Merchant.Tokenization Removal CL

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Automatic

Indicates that tokens are removed from the system automatically.

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Manual

Indicates that tokens are removed from the system manually using the untokenization API call.

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Disabled

Indicates that token removal is disabled for the selected merchant.

Account Aggregation

Includes account aggregation settings for payment cards and Direct Debit.

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Cards

Indicates whether account aggregation cards mechanism is used for this merchant or not. References: Merchant.Is Account Aggregation Cards Enabled

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Direct Debit

Indicates whether account aggregation ACH mechanism is used for this merchant or not. References: Merchant.Is Account Aggregation ACH Enabled

Batch

Includes various batch processing settings.

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Batch Review Required

Indicates whether the explicit approval of a user is required to process a batch, submitted into UniCharge. References: Merchant.Is Batch Review Required

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File Hash Validation

Indicates whether duplicate file validation based on file's content (in addition to the existing file name duplicate validation) is active or not. References: Merchant.Is File Hash Validation Enabled

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Processing Optimization

Indicates whether the transaction processing optimization is enabled in the system. References: Merchant.Is Transaction Processing Optimization Enabled

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Custom Field

For internal use only. Indicates whether the certain information should be added to the returns file. References: Merchant.Is Batch Custom Field Enabled

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Batch Processing Policy

Represents the selected (or current) type of batch processing policy. Allows to select policy for batch processing if a validation file was generated by the system. All Or Fail - if there is at least one invalid transaction in the request file, validation error file is generated and the request file is not processed at all. Any Valid - all valid transactions included in a request file are processed by a processor. Invalid transactions are placed into the validation error file and should be re-processed as a separate file after correcting all of the issues. References: Merchant.Batch Processing Policy CL

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All Or Fail

Indicates that if there was at least one valid transaction, validate file should be generated and the main request file would be not processed at all.

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Any Valid

Indicates that any valid transaction in a request file will be processed. Any invalid one will be placed into the validation file. Therefore, all invalid transactions from the validation file will have to be re-processed as a separate file afterwards.

Validation Threshold

Enumeration of possible batch validation treshold options.

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Count

Minimum number of transactions that must be present in a batch in order for this batch to get validated for potential duplicates or inconsistencies. If a batch is lower than indicated number of transactions, it will not be verified for duplicates. References: Merchant.Batch Validation Threshold Count

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Amount

Total amount of a file, necessary for duplicate validation mechanism to get activated. References: Merchant.Batch Validation Threshold Amount

Limits

Includes transaction limits settings.

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Max. Transaction Amount

Maximum amount allowed within the transaction. References: Processing Limit.Max Transaction Amount

Settlement

Includes various settlement settings.

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Cutoff

Shows the time of the day that marks the end of the business day. This time is set according to the server time zone but should be adjusted for merchant/merchant account individually, if needed. For example, if server time zone is set as EST but a particular merchant/merchant account operates according to PST, the cutoff time setting should be set as 3 AM, in case if cutoff processing time should occur at midnight. Any transactions processed before this time are dated as the date-processed, while any transactions processed after this time are dated as being processed the next day. References: Merchant.Processing Cutoff

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Review Required

Indicates whether realtime review is required or not. References: Merchant.Is Realtime Review Required

Validations

Includes various validation settings.

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Expiration Date

Indicates whether expiration date validation is enabled or not. References: Merchant.Is Expiration Date Validation Enabled

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Routing Number

Indicates whether routing number validation is enabled or not. References: Merchant.Is Routing Number Validation Enabled

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Blacklist Policy

Enumeration of possible blacklist policy types available in the system. References: Merchant.Blacklist Policy CL

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Direct Debit Only

Indicates that only Direct Debit transactions with hard declines will be included to the blacklist.

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Cards And Direct Debit

Indicates that both payment cards and Direct Debit transactions with hard declines will be included to the blacklist.

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Cards Only

Indicates that only payment cards transactions with hard declines will be included to the blacklist.

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Not Used

Indicates that blacklist is not used.

Returns

Includes delivery mode for returns.

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Delivery Mode

Represents the type of delivery option for ACH returns and chargebacks for this merchant. References: Merchant.Returns Delivery Mode CL

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Merchant

Indicates that all returns for all merchant accounts will be delivered in a single file.

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Merchant Account

Indicates that all returns will be split into multiple files, one for each merchant account.

Callbacks

Includes various callback URLs.

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Returns URL

URL of a page, where returns and chargebacks are delivered as they are loaded into the system. References: Merchant.Returns Callback URL

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Offline URL

The URL address for offline callbacks. References: Merchant.Offline Callback URL

Deposit

Includes various deposit settings.

Reserve

Includes chargeback and returns reserve settings.

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Chargeback

Includes chargeback reserve rate and period.

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Rate

Percentage of total transaction volume that should be retained as reserve. Using this rate and the Chargeback Reserve Period the requested amount of chargeback reserve is dynamically calculated and adjusted on each remittance. See Reserves definition for additional information. References: Merchant Account Group.Chargeback Reserve Rate

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Period

Time period in days, used to determine the requested amount of the reserve. See Reserves definition for additional information. References: Merchant Account Group.Chargeback Reserve Period

Returns

Includes returns reserve rate and period.

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Rate

Percentage of total transaction volume that should be retained as reserve for ACH returns. Using this rate and the Return Reserve Period the requested amount of return reserve is dynamically calculated and adjusted on each remittance. See Reserves definition for additional information. References: Merchant Account Group.Return Reserve Rate

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Period

Time period in days, used to determine the requested amount of the reserve. See Reserves definition for additional information. References: Merchant Account Group.Return Reserve Period

Funding

Includes various remittance settings.

Settings

Includes basic remittance settings.

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Remitter

Reference to a merchant that contains settings necessary to execute remittance operations. References: Merchant.Remitter FK

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Mode

Represents the type of transaction for which remittance process is going to be applied. See Remittance for additional information. References: Merchant.Remittance Mode Cl

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Batch Only

Indicates that remittance will occur only for batch transactions, statistics will not be calculated for real-time transactions.

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Retail Only

Indicates that remittance will occur only for real-time transactions, statistics will not be calculated for batch transactions.

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Retail and Batch

Indicates that remittance will occur for both real-time and batch transactions, statistics will be calculated for all transactions.

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None

Indicates that no remittance will take place for this reseller, statistics will not be calculated.

Basis

Represents the type of remittance basis that is used for this merchant. Works in conjunction with ACH remittance period, CC remittance period and AmEx remittance period. References: Merchant.Remittance Basis Cl

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Funding Date

Indicates that remittance of funds occurs pre-defined number of days after funds are received from the processor.

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Response Date

Indicates that remittance of funds occurs pre-defined number of days after approval is received from the processor.

Statement Review

Includes merchant and reseller statements review settings.

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Merchant

Indicates whether an explicit approval is required before merchant statement is processed. References: Merchant.Is Merchant Statement Review Required

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Reseller

Indicates whether an explicit approval is required before reseller statement is processed. References: Merchant.Is Reseller Statement Review Required

Period

Includes deposit period and processing cutoff settings.

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Remittance

Shows the time period from the moment when a remittance file is sent to the bank and a physical deposit hits merchant's bank account. References: Merchant.Remittance Period

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Cutoff

Shows the time of the day when all approved statements are submitted to the bank.

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CC

Shows the waiting period in days before bank card funds are remitted back to the merchant. The field depends on a value in the Remittance Basis classifier. See Transaction Processing and Remittance Source definitions for additional information. References: Merchant.CC Remittance Period

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DD

Shows the waiting period in days before ACH funds are remitted back to the merchant. The field depends on a value in the Remittance Basis classifier. See Transaction Processing and Remittance Source definitions for additional information. References: Merchant.ACH Remittance Period

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AMEX

Shows the waiting period in days before Amex funds are remitted back to the merchant. The field depends on a value in the Remittance Basis classifier. See Transaction Processing and Remittance Source definitions for additional information. References: Merchant.Amex Remittance Period

Limits

Includes withholding limit settings.

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Max Withholding

Maximum amount of money that can be withheld in favor of reserves within a single remittance. References: Merchant Account Group.Max Withholding Amount

Remittance

Includes various remittance settings.

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Hold Enabled

Indicates whether remittance process is enabled. When set to true, the balance of all of the newly generated remittance statements is not sent to the merchant, but transferred under the merchant's balance. References: Merchant Account Group.Is Remittance Hold Enabled

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Ignore Source

Controls whether remittance source is ignored or not. If enabled, a single bank account will be used for all types of remittances and they will not be split based on the remittance source. See Remittance Source definition for additional information. References: Merchant Account Group.Is Ignore Remittance Source

Merchant Funds

Includes merchant funds settings.

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Policy

Represents the type of current (or selected) approach used to withhold fees from a merchant. References: Merchant Account Group.Fee Withdrawal Policy CL

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Deduction

Indicates that withdrawal of fees will be deducted as a part of remittance.

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Withdrawal

Indicates that withdrawal of fees will be deducted either from the same deposit account or from a separate bank account that was designated by the merchant for withholding of the fees.

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Deduction Conditional

Automatically switches on if initially merchant funding policy type was withdrawal, and while trying to withdraw fees from merchant account, returns was received for the second time. Such case leads to hold of the account. It can be cancelled by user by unchecking Hold Enabled checkbox on UI.

Merchant Statement

Includes merchant statement settings.

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Export

Indicates whether the content of the Merchant Statements List report is exported to the merchant’s FTP via the data export mechanism. References: Merchant Account Group.Is Merchant Statement Export Enabled

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Archiving

Indicates whether merchant statement archiving process is happening. Copies of statements are archived here: 126. References: Merchant Account Group.Is Merchant Statement Archiving Enabled

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Generation Policy

Enumeration of possible values of statement policy for the merchant account group. References: Merchant Account Group.Statement Policy CL

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Positive Balance

Indicates that statement will be generated for positive balance only.

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Any Balance

Indicates that statement will be generated for both positive and non-positive balance.

Emailing Policy

Enumerates possible values of statement emailing policy for the merchant account group. References: Merchant Account Group.Statement Emailing Policy

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No Action

Indicates that no action will be taken.

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Notification

Indicates that only notification will be sent to the specified email address.

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Statement

Indicates that only statement will be sent to the specified email address.

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Statement and Transaction Details

Indicates that statement and transaction details will be sent to the specified email address.

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Statement And Returns Details

Indicates that statement and return details will be sent to the specified email address.

Deposit

Allows you to choose how exactly receive Deposit Statement notifications.

Monthly Statement

Allows you to choose how exactly receive Monthly Statement notifications.

Statement View Policy

Allows to select what information is included in the merchant statement by default.

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Activity Summary

Indicates whether the Activity Summary information is included in the merchant statement.

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Rejects Summary

Indicates whether information on received Rejects is included in the merchant statement.

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Fees Processing

Indicates whether information on Processing Fees is included in the merchant statement.

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Fees Flat

Indicates whether information on Flat Fees is included in the merchant statement.

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Passthrough Fees

Interchange - Indicates whether information on the Interchange totals received from the processor as a part of processing cost is included in the merchant statement.

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Passthrough Fees

Assessment - Indicates whether information on the Assessment totals received from the processor as a part of processing cost is included in the merchant statement.

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Split Payout Summary

Indicates whether information on split out transactions is included in the merchant statement.

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Reserves

Indicates whether information on Reserves is included in the merchant statement.

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Adjustments

Indicates whether information on Adjustments is included in the merchant statement.

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Statement Summary

Indicates whether the Statement Summary information is included in the merchant statement.

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Submissions Summary

Indicates whether the Submissions Summary information is included in the merchant statement.

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Splits Summary

Indicates whether the Split Summary information is included in the merchant statement.

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Transactions Summary

Indicates whether the Transactions Summary information is included in the merchant statement.

Billing

Includes various billing settings.

Settings

Includes basic billing settings.

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Skip Trace

For UniBill only. Indicates whether skiptracing process is enabled on a customer account. References: Merchant.Is Skip Trace Enabled

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Import Review

Indicates whether the review of import log is required. References: Merchant.Is Import Log Review Required

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Mail Mode

Represents the type of selected mailing mode that is used for this merchant. References: Merchant.Mail Mode CL

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Default Address Only

Indicates that only default address can be used as a mailing option.

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All Good Addresses

Indicates that any of the addresses specified in the customer's profile can be used as a mailing option.

Code Uniqueness Scope

For UniBill only. Represents the type of scope, within which customer account's ID is unique. References: Merchant.Code Uniqueness Scope CL

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Merchant

Indicates that customer account code is unique within the scope of a merchant.

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Merchant Account

Indicates that customer account code is unique within the scope of a merchant account.