Merchant Support
Questions from our merchants; answered!
By Carly and 1 other2 authors12 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.
❓ What Should I Do After an ACH Return?A guide for merchants explaining what ACH returns are, common reasons they occur, and the steps to resolve the payment issue.
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…