Settings Defaults

Type:    Form
Description: Provides access to various default settings of the portfolio.
Items:


Modify Settings

Includes various options to modify default settings.
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Actions
Allows to enable or disable all default settings at once.
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Disable Defaults
Disables a selected default setting represented on the page.
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Enable Defaults
Enables a selected default setting represented on the page.
Save
Saves all changes on the form.
Refresh
Allows to refresh default settings.

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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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.
Multiple files per day
Indicates whether multiple generation of the return files during the day is enabled.

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 portfolio, 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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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 CL
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No Action
Indicates that no action will be taken.
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Notification Only
Indicates that only notification will be sent to the specified email address.
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Notification And Statement
Indicates that both notification and statement will be sent to the specified email address.
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Notification And Statement Detail...
Indicates that notification and statement details will be sent to the specified email address.
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Notification And Returns Details
Indicates that notification and returns details will be sent to the specified email address.
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
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.