Merchant Support
Questions from our merchants; answered!
13 articles
- 💰 T+1 Funding Schedule (Next Day Deposits)T+1 funding, also known as next-day funding, means that payments processed today are typically deposited into your bank account the next business day.
- ❌ Why Was My Payment Declined? (Card Refusal Reasons)Reference guide to card refusal reason codes and descriptions, including what each payment refusal message means.
- 🏦 Bank Account ChangesStep-by-step instructions for submitting a merchant bank account change request, including required documentation and processing timelines.
- 🔍 Missing a Deposit?Learn the common reasons for a missing deposit, including settlement timing, negative balances from refunds or chargebacks, bank posting delays, compliance reviews, and outstanding processing fees.
- 🏛️ 1099-K FormUnderstanding the 1099-K Process
- 🔐 Network TokenizationLet’s break down network tokenization clearly and thoroughly.
- FAQ: Changing business ownership?This is the process for an ownership change for a Valpay.
- FAQ: What happens when a payment is declined on Valpay, and can further attempts be made?Learn what happens when a payment is declined on Valpay and whether additional attempts can be made to successfully process the transaction.
- FAQ: Why could I be charged fees after discontinuing or stopping usage of Valpay?Learn why fees may still appear after stopping or discontinuing Valpay services and what charges may apply after account closure or inactivity.
- What is a Balance AccountThis explains what the term "Balance Account" means and how it affects payouts.
- 🧾 Understanding Credit Card Processing Fees (Interchange)Learn what interchange fees are, how credit card processing fees are calculated, what affects your transaction rates, and where to find published interchange rates from Visa, Mastercard, American Express, and…
- 📩 ACH Return Notification: What It Means & What to DoLearn what an ACH return notification email means, why you received it, and the steps to take to resolve the returned payment.
- Payment Processing GlossaryA comprehensive glossary of key payment processing terms to help you understand common language used across your Valpay account and payment processing experience.