How do I find a transaction?
How do I find a transaction?
Go to the DesignPay portal by clicking on Accounts Receivable in the navigation bar to the left and then click on DesignPay.
Click on the Payments tab to expand all payments received. Using the filters in the table, you can filter to the date of the transaction in the Created column. You can also use sort on columns like Amount for easier viewing.
Once you’ve located the transaction, click the line item to expand the payment panel. Here you will see additional information related to your payment like AVS/CVC checks, card details, customer information, and metadata.
When will I receive my deposit?
When will I receive my deposit?
Deposits are created on each US banking day, for every merchant who has payment volume that has been released. Card transactions are deposited into the merchant’s bank account on the following business day (T+1) while ACH transactions are deposited four business days following the transactions (T+4).
Additionally, ACH transactions are not processed over weekends or banking holidays, which means the Transaction Date (“T”) does not equal the date of the purchase for transactions initiated on a Saturday, Sunday, or banking holiday. Click here to see bank recognized holidays.
Take a look at some transaction examples and their associated deposit date below.
Card Transactions (T+1) - 11pm ET Cutoff
Transaction Date: Monday - Deposit: Tuesday
Transaction Date: Tuesday - Deposit: Wednesday
Transaction Date: Wednesday - Deposit: Thursday
Transaction Date: Thursday - Deposit: Friday
Transaction Date: Friday - Deposit: Monday
Transaction Date: Saturday - Deposit: Monday
Transaction Date: Sunday - Deposit: Monday
ACH Transactions (T+4) - 9pm ET Cutoff
Transaction Date: Monday - Deposit: Friday (Includes Transactions entered on Saturday, Sunday, or Monday
Transaction Date: Tuesday - Deposit: Monday (following week)
Transaction Date: Wednesday - Deposit: Tuesday (following week)
Transaction Date: Thursday - Deposit: Wednesday (following week)
Transaction Date: Friday - Deposit: Thursday (following week)
What if I don't receive my deposit?
What if I don't receive my deposit?
If you’ve noticed a delay in your deposit, there are a few things that could impact the timing. First, double check the timing of your deposit, ACH can take up to 5 days to deposit in your account. If the timing is correct and you’ve confirmed that the expected deposit hasn’t been offset by refunds or chargebacks, please contact us at support@designmanager.com so our support team can assist you.
Why was my transaction declined?
Why was my transaction declined?
Additional information on each transaction is available in your DesignPay portal. Follow the below steps on how to locate a transaction and identify the decline reason.
Go to the DesignPay portal by clicking on Accounts Receivable in the navigation bar to the left and then click on DesignPay
Click on the Payments tab to expand all payments received. Using the filters in the table, you can filter to the date of the transaction in the Created column. You can also use sort on columns like Amount for easier viewing.
Once you’ve located the declined transaction, click the line item to expand the payment panel. Under Related Info, locate the Refusal Code for details around the decline.
How do I initiate a refund?
How do I initiate a refund?
In your DesignPay portal (Under Accounts Receivable and DesignPay), you will have access to view all of your payments. You will need to locate the transaction in your payments tab of the portal. Using the filters, you can quickly narrow down the transaction list to find the transaction you’d like to refund. Click on the payment to expand the details. Here you will see a green refund button at the top of the transaction panel. After clicking refund, a pop up will appear asking you to confirm how much you’d like to refund. You can issue a refund for the full or partial amount. Note: If you attempt to refund a transaction the same day it’s initiated, it will be canceled.
What will my customer see on their bank statement?
What will my customer see on their bank statement?
Your billing descriptor will display what you provided as the DBA (Doing Business As) name during your initial account setup. Because billing descriptors have a character limit, there may be a chance that your name is shortened. So it’s important to keep it short and clear. The goal is to have your customer recognize that it’s your business.
How can I change my billing descriptor?
How can I change my billing descriptor?
To change your billing descriptor, email support@designmanager.com and tell us what your existing billing descriptor is and what you want to change it too. Note: a confusing or unclear descriptor can lead to chargebacks. They are also limited on how many characters are displayed.
What if I need to change my bank account for deposits?
What if I need to change my bank account for deposits?
To change the bank account for deposits, email support@designmanager.com and tell us what your billing descriptor is and what the new bank account you want to use for bank deposits. We will need new the routing and account number. If the details can’t be automatically validated, we may ask for a bank statement or voided check. Note: To expedite the request, submit a voided check or bank letter with the updated account details.
What are my payment processing fees?
What are my payment processing fees?
Cards: $0 + 3.5% per transaction
Bank Transfers: 1% up to $35 per transaction
No transaction caps means you can process large transactions with ease.
How do I cancel my account?
How do I cancel my account?
To cancel your account, email support@designmanager.com and let us know you want to cancel your DesignPay account.
How am I charged payment processing fees?
How am I charged payment processing fees?
Fees are assessed on each transaction and netted from each deposit. For example, if you process a $100 transaction at a 5% processing rate, you will receive $95 on your next deposit.
What is an ACH Return/Dispute?
What is an ACH Return/Dispute?
Just like a credit card transaction, ACH transactions can be declined. When an ACH is declined, it’s called a return. An ACH return is most often initiated by the user's bank and can be divided into two categories:
Administrative Returns
Disputes
Administrative returns typically result from errors in the submitted payment information or issues with the account that cannot be resolved. For instance, combinations of routing and account numbers that are incorrect should not be resubmitted. Some administrative returns can be resubmitted, like insufficient funds, because nothing was incorrect about the details, there just weren't funds at the time of the debit.
Disputes are ACH payins that are determined to be invalid or unauthorized by the user. These are similar to a card chargeback, but unlike a chargeback, ACH disputes can not be challenged and are final. Because these are final, disputed routing and account number combinations should not be re-attempted.
Most Common ACH Return Codes
R01 - Insufficient Funds
R02 - Account Closed
R03 - No Bank Account/Unable to Locate Account
R04 - Invalid Account Number
R08 - Payment Stopped
R13 - Invalid ACH Routing Number
R16 - Account Frozen
Most Common ACH Dispute Codes
R05 - Unauthorized Consumer Debit using Corporate SEC Code, Account: Consumer
R08 - Payment Stopped, Account: Consumer or Business
R10 - Originator not known and/or not authorized to Debit Receiver’s Account, Account: Consumer or Business
R11 - Customer advises not within Authorization Terms, Account: Consumer or Business
R29 - Not Authorized by Corporate Customer, Account: Business
What is CVC?
What is CVC?
CVC or Card Verification Code, also known as CVV (Card Verification Value) or CVV2, is a three- or four-digit number printed on credit and debit cards. This code helps to verify that the cardholder has the physical card in their possession during transactions, especially for online or phone purchases.
Visa, MasterCard, and Discover: The CVC is the three-digit number located on the back of the card near the signature strip.
American Express: The CVC is the four-digit number located on the front of the card, usually on the right side above the card number.
CVC Codes:
M - Match
N - No Match
P - Not Processed
S- Should be on card but not so indicated
U - Issuer Not Certified
X - No response from association
Blank - No CVV2/CVC data available for transaction
Can I export the reports as a CSV?
Can I export the reports as a CSV?
You can easily export your payments and deposit reports directly from your portal. Follow these steps for both the transaction or deposit report.
Go to the DesignPay portal by clicking on Accounts Receivable in the navigation bar to the left and then click on DesignPay.
Depending on which report you'd like to pull, click on the Payments or Deposits tab. Click on the Download button to the right and a pop-up will ask you to select a date range for the data you’d like to pull. Note: You can only pull a range of 31 days at a time. For multiple months of data, you will have to repeat this process. Once you’ve defined your range, click export.
What is AVS?
What is AVS?
AVS or Address Verification System is a security measure used to verify the address provided by the cardholder during a transaction against the address on file with the credit card issuer. AVS checks the numerical part of the billing address, such as the street number and ZIP code.
AVS Codes
A - Street address matches, ZIP does not
B - Street address matches. Postal code not verified due to incompatible formats
C - Street address and postal code not verified due to incompatible formats
D - Street address and postal code both match (international-only)
E - Information invalid or not allowed for this card type
F - Street address and postal code both match (UK-only)
G - Not verified for international transaction, or issuer does not support verification
I - Not verified
M - Street address and postal code both match (international-only)
N - Neither street address or postal code matches
O - Card member name and street address match
P - Postal Code matches, street address unverifiable due to incompatible formats (international-only)
R - Retry due to system not being available
S - Not supported. If present, replaced with U (for domestic) or G (for international)
U - Address information is unavailable
W - 9-Digit ZIP matches, street address does not
Y - 9-Digit ZIP and street address both match
X - 5-Digit ZIP and street address both match
Z - 5-Digit ZIP matches, street address does not
I received a Lien Notice, what does that mean?
I received a Lien Notice, what does that mean?
A lien notice is a formal document that informs an individual or entity that another party claims a legal right or interest in their property due to an outstanding debt. The notice is usually sent by contractors, suppliers, or sometimes the government.
If a lien notice is received, all money movement must stop until the issue is resolved. This includes collecting money, refunding transactions, and receiving your deposits. It is crucial to remedy liens as quickly as possible to avoid too much disruption to your day to day operations.
To resolve a lien notice, you can contact the lender to pay the debt in full or work out a payment plan to get back in good standing. Once resolved, the lender will provide you with a lien release document. Send us that lien release to support@designmanager.com. To resolve the lien release, we may need additional information from you for a risk review to complete the resolution.
What if my customer has an international zip code?
What if my customer has an international zip code?
The zip code field is required and does not accept letters and some international postal codes. International buyers should enter “00000” or “11111” in the zip code field to submit a payment.
How do I know my payments are secure?
How do I know my payments are secure?
We leverage a third party payment provider to securely collect sensitive data and to keep our network out of PCI scope when processing your transactions. Our provider is held to the highest standard of security and is annually audited under SOC2 and PCI-DSS programs for compliance.
Where is my account information stored?
Where is my account information stored?
Your information, including SSNs, banking information, and card numbers, are securely collected and stored securely by our payments partners. Our providers comply with the highest industry standards and have been third party vetted by both PCI and SOC2 auditors. Your sensitive information is collected and encrypted upon entry and never touches our internal systems. Your data is only used to confirm your identity in compliance with regulatory requirements.
Who do you share personal data with?
Who do you share personal data with?
Service providers: Our payment partner shares your data, including underwriting and onboarding data, with third-party service providers (such as identity verification providers and fraud services).
Financial partners: In order to provision and provide payment processing services (such as provisioning a merchant identification number, providing tax reporting, and deposit funds), our payments partner shares your with financial institutions, processors, payment card associations, and other entities that are involved in the payment process, such as our sponsor bank.
Your data is only utilized for required compliance verification purposes.