Frequently Asked QuestionsFrequently Asked Questions

General FAQs

1. How do I reset my password?

If you have forgotten your password, select the 'Reset Password' button on the Account Login page. The Reset Password page is then displayed, enabling you to reset your password by entering your email address and selecting the Reset button.

An email will then be sent to your stored email address which contains a reset password link. By selecting the link you will be presented with the Change Password page enabling you to enter a new password.

If you have entered an incorrect password 3 or more times your user will be locked to reactive your login, please email customerservices@cashflows.com.

2. How do I change my company information?
Change Type Supplier Legal Entity Type What Is Required from you
Name PLC Copy of your "Change of Name Certificate". Business Registration Number must not have changed. If Business Registration Number has changed then a new, separate application is required. If you do not have a Business Registration Number, then it is not simply a change of name and one of the other options will apply, or a new separate application is required.
LTD
Sole Trader Letter on your letterhead completed by the person(s) who completed the Supplier agreement. If the majority ownership has changed then a new separate application is required. If the person we have on record as authorised signatory has changed please see "Change of Director or other Principal" below in this table.
Partnership
Charity
Club, Society, Other, Etc.
Name and Registered Number PLC A new separate application is required as this is classed as a completely new Supplier.
LTD
Liability Status, e.g., Sole Trader to Ltd Company PLC A new application is required as this is classed as a completely new Supplier.
LTD
Sole Trader
Partnership
Charity
Club, Society, Other, Etc.
Registered Number Only (Same name) PLC A new application is required as this is classed as a completely new Supplier.
LTD
Director or other Principal PLC Letter on your letterhead completed by the person(s) that completed the Supplier agreement. If the majority ownership has changed then a new separate application is required. If the person who completed the Supplier agreement has left we will require a copy of the Board Minutes authorising the new person(s) to sign and KYC documents for the new authorised signatory.
LTD
Sole Trader A new application is required as this is classed as a completely new Supplier.
Partnership
Charity Letter on your letterhead completed by the person(s) that completed the Supplier agreement. If the majority ownership has changed then a new separate application is required. If the person who completed the Supplier agreement has left we need a copy of the Board Minutes authorising the new person(s) to sign and KYC documents for the new authorised signatory.
Club, Society, Other, Etc.
Address PLC Letter on your letterhead completed by the person(s) that completed the Supplier agreement. If the person who completed the Supplier agreement has left, we need a copy of the Board Minutes authorising the new person(s) to sign and KYC documents for the new authorised signatory.
LTD
Sole Trader Letter on your letterhead completed by the person(s) that completed the Supplier agreement. If the person who completed the Supplier agreement has left, a new application is required as this is classed as a completely new Supplier.
Partnership
Charity Letter on your letterhead completed by the person(s) that completed the Supplier agreement. If the person who completed the Supplier agreement has left we need a copy of the Board Minutes authorising the new person(s) to sign and KYC documents for the new authorised signatory.
Club, Society, Other, Etc.
3. How do I change my contact details?

To change your primary or technical contact details or your business address and/or your Customer Services Telephone Number, please email us on customerservices@cashflows.com

We can only accept changes to your contact details if the email requesting the change comes from the primary contact registered for your account.

4. Where can I view my pricing plan and remittance schedule?

To view your pricing plan you will need to login into your account then select 'Pricing Plan' from the Merchant/Business Account's Menu. The pricing plan has been designed to show all the costs and fees as clearly as possible including your remittance schedule.

5. How do I know that my money is safe with CashFlows?

CashFlows Europe Limited is authorised by the Financial Conduct Authority so when your money is held by CashFlows, it is held as "client money" in accordance with the requirements of the E-Money Regulations 2011 and is separate from the bank accounts used for the Company's "non-Client" operations.

6. Can more that one individual from my business use the service?

Yes, the Account Management System enables your business to provide unique login credentials for each user requiring specific access. By having multiple users with different access permissions you can allow your store developers access to only the payment gateway integration configuration, accountants access to your financial reporting and even your call centre staff exclusive access to the standalone Virtual Terminal. To add new users with specific permissions to your account, please contact: customerservices@cashflows.com stating the user's full name, email address and the permissions required.

7. How do I close my account?

You can close your account anytime by sending us a request in writing. Please be aware if you close the account before your contract is up (12 months) some fees may be applicable.


Payments Gateway FAQs

1. How can I accept card payments?

Our Payments Gateway currently supports the following Channels:

  • Online Payment acceptance (with a range of integration types to support your business)
  • Mail & Telephone Orders (MOTO) using our Virtual Terminal (available to multiple users simultaneously)
2. Which card types can I accept?

As a principal member of VISA and Mastercard, we can enable the Payment Gateway to process all the different card types shown below:

Visa Credit Visa Debit Visa Electron Mastercard American Express Verified by Visa Mastercard SecureCode

3. Which currencies can I process transactions in?

Our payment acceptance is available in the following currencies at no additional cost:

  • Pounds Sterling - GBP
  • US Dollar - USD
  • Euros - EUR
  • Canadian Dollar - CAD
  • Hong Kong Dollar - HKD
  • Singapore Dollar - SGD
  • Australian Dollar - AUD
  • Swiss Franc - CHF
  • Danish Krone -DKK
  • Japanese Yen - JPY
  • New Zealand Dollar- NZD
  • Norwegian Krone- NOK
  • Swedish Krona - SEK
  • South African Rand – ZAR
4. Can I accept payments from any shoppers even if I don't price my goods in their currency?

Shoppers can purchase your goods or services even if you price in a different currency than their own providing their card bears the Visa or Mastercard Logo, and that their card-issuers have not applied specific currency restrictions on cross currency purchases.

5. Can I accept payments from more than one website?

Yes you can. We will set-up a different Profile ID for every website - fees and or reserves may change subject to assessment.

If you wish to add another website to your existing facility, you will need to send acceptance@cashflows.com an email from the accounts primary contact, providing us with the following information:

  • Your Account Number
  • The Website URL you wish to use for us to review
  • The (anticipated) added monthly turnover generated by the second website.
  • The new Website's Average Transaction Value
  • The currencies that you wish to trade in.
  • Full details of the Products and Delivery schedule
  • The Card Statement Narrative or DBA Name to appear on the customer's Statements
  • Your new Customer Services Telephone Number
  • The Industry Sector that the website will be selling from
6. How do I connect my website to the payment gateway

To enable your business to accept credit and debit card payments online, your business must connect to a payment gateway. CashFlows provides a range of payment gateway integration methods allowing for different levels of control over the payment process.

For details on each of our integration methods including example code, a purchase token generator and information on all of our response codes, please visit our Developer Section.

7. When can I cancel/void a transaction?

You can only cancel/void a transaction when the funds have not yet been requested from the card issuer. For 'Sale' transactions this has to be done on the same day and is an alternative to refunding the transaction. Indeed if a refund is attempted on a 'Sale' prior to the funds of a transaction being requested from the bank, then we will automatically process it as a Void instead. Voiding a transaction will prevent funds from being requested/settled from/to the issuing bank, for that transaction.

8. Can I defer funds of a transaction being requested from the card issuer?

Yes, prior to the funds of a transaction being requested from the card issuer it is possible to place a transaction on Hold for up to 7 days. To place a transaction on Hold you will need to select the Hold button on the Transaction details pop up screen.

If the transaction is not released within the 7 consecutive days it will expire and will require re-authorisation

9. How do I make a refund?

To process a refund:

  1. Login to your Account Management System via: https://secure.cashflows.com/admin/login
  2. Enter your unique email address and password (Note: Your password is case sensitive) and select the Login button.
  3. Select Transaction Search from the navigation and search for the transaction that you wish to refund.
  4. Select the transaction's reference number. The transaction details will be displayed in a pop up overlaying your search results.
  5. To make a full refund, select the Refund button. An alert box will be displayed enabling you to confirm or cancel the refund request.

You can "partial refund" a transaction by entering a smaller amount than the full sale amount into the input field provided.

Account Management System - Refund Screen
10. Can I block transactions from a specific country?

Yes, we have a range of country controls enabling you to configure the blocking of transactions where either the card billing address, the card issuer country or the consumers IP address match match your Country Blocks.

Account Management System - Country controls Screen
11. What are the reasons for a declined transaction?

To understand why a transaction has been declined, we provide each transaction with a Response Message which you can view via the transaction details' pop up.

The following table provides details on each of the Decline Response Codes:

Response Code Reason for Code
Dx01 Non-specific decline
Dx02 Declined due to funds (insufficient/limit exceeded)
Dx03 Retain card response
Dx04 VoicePrint not matched
Dx05 On our blacklist
Dx06 IVR call failed
Dx07 Live/test mismatch
Dx08 Refund: Insufficient merchant funds in account
Dx10 Card authorisation attempt limit reached
Dx11 Monthly Scheme Decline Rate limit reached
Dx90 Pre-Authorisation anti-fraud block
Dx91 Post-Authorisation anti-fraud block

For a full list of all the Response Codes used by the Payment Gateway, please refer to:Response Codes.


Merchant Account FAQs

1. Is there a minimum transaction amount?

There is no minimum transaction amount applied to any of our Merchant Accounts.

2. Is there a maximum transaction amount?

As standard there is no maximum transaction amount applied to any of our Merchant Accounts.

3. Is there a minimum remittance amount?

There is no minimum remittance amount applied to the Merchant Accounts as when the funds become available they are automatically remitted to your business account or remittance statement allowing you to manage your funds and make external payments.

4. What name will appear on the customers statement?

Your trading name (upto a maximum of 22 characters) will appear on the customers statements. In certain circumstances this may be preceded by "VCL/". If your customer purchased using funds in their business account or Prepaid Card then "CashFlows" will appear on their statements.

5. How do I know when I will be paid?

When your Merchant account has been activated to accept card payments we will send you an email stating the frequency and days of remittance on your account. You can also view your arrear days by logging into the Account Management System and viewing your Pricing Plan.

Your Pricing Plan shows how many days we hold your funds for after they have been cleared by the card issuers. For example, 6 arrears days means: if a payment is authorised on Monday, the card issuer clears the funds on Tuesday, the funds are held for a period of time (Wednesday-Sunday) then made available to business the following day (Monday).

6. How can I view my current financial status and what funds are becoming available?

You can view your real time Merchant Account balances and settlement batches, using the 'Merchant Accounts' section of the Account Management system.

To view your current financial status we provide a statement view providing both an overview and a searchable detailed report of all transfers associated with the Merchant Account.

To reconcile your business payments and view what funds are becoming available, we have provide a daily Settlement Batch Report detailing the total batch and each transaction that makes up the settlement.

7. What is a Rolling Reserve?

A Rolling Reserve is a percentage of total value of sales in a batch which we set aside in respect of liabilities whether present, future, actual or contingent.

The Rolling Reserve is typically held for 180 days after the purchase. A Rolling Reserve may be withheld in order to cover any potential chargeback or return. At the end of 180 days from the purchase, the amount taken into reserve is credited to you on your next remittance day.

8. How do I view the available funds due for remittance?

To help you manage your business's money the Account Management System provides a graphical overview of all your merchant accounts and a detailed statement underpinning each of them.

To view a specific remittance statement, select the Merchant Account from the overview screen then select Remittance Statement from the Merchant Account's Top Menu. The Remittance Statement page displays an overview of your available balance due for remittance and a report of all the payments made to and from the account. The statement enables you to search your payments by date, amount, description and type.

9. How do I setup my Merchant Account to remit to my external business bank account?

You will need to create your remittance Payment Schedule to enable your business to remit it's funds to an external business bank account:

  1. Login to your Account Management System via: https://secure.cashflows.com/admin/login
  2. Enter your unique email address and password (Note: Your password is case sensitive) and select the Login button.
  3. Select the Merchant Account from the overview screen then select Payment Scheduler from the Merchant Account's top Menu.
  4. Enter a either Minimum Remittance balance, and when the remittance funds reach this amount we will automatically remit the full balance or alternatively specify the day(s) of the week that you wish for your full available balance to be paid into your external Business Bank Account minus any fees.
  5. Enter your external Business Bank Account beneficiary's details
  6. Select the 'Create Schedule' button and you will be presented with a confirmation page, which requires you to confirm your schedule details by entering your login password and a selection of characters from your Payments Password.
  7. Select the 'Confirm' button to create the payment schedule; you will then be presented with the schedule result page.
10. What is the Payments Password?

Your Payments Password is created the first time you visit the 'Payment Scheduler' page in the Account Management System. Enter your password and press the Save Payment Password button, you will then receive and email requiring you to verify the password creation.

When you create your Payment Schedule you will need to confirm the payment details by entering your full login password and a selection of characters from your Payments Password. If you have forgotten or you wish to change your Payments Password, please contact customerservices@cashflows.com.

11. What is a beneficiary and what is a beneficiary passcode?

Beneficiary - a person or business that receives payments from the Merchant Account, also known as payee.

If you have created a new beneficiary or have changed an existing beneficiary's details, you will receive an email with a unique beneficiary passcode. The beneficiary passcode has been designed to prevent fraud as all beneficiaries must be authorised by the primary account holder prior to release of any payments.

To confirm the beneficiary details and create the bank payment request you will also need to enter the passcode into the confirmation page display.

11. How do I upgrade my Merchant Account to include the CashFlows Business Account

To take greater control of your business' cash flow, you can upgrade your Merchant Account to include the CashFlows Business Account, enabling your business to accept and make low cost bank payments.

To upgrade your account you must have 6 months trading history with CashFlows and provide our applications team a detailed list of how you wish to use the CashFlows Business Account.


Fraud Prevention FAQs

1. What fraud checks do you carry out?

CashFlows provides your business with details of the industry-standard Card Number LUHN, Address Verification System (AVS) and Card Verification Value (CVV) checks to prevent credit card fraud. We also have run an inhouse Fraud Screening Service that uses a range of data services including TC40 and SAFE reports to flag certain transactions as 'High Risk of potential fraud'.

The Fraud Screening Service provides ongoing analysis of Transaction and Chargeback data enabling us to refine it's decision making rules and a merchants potential exposure of fraud.

2. What tools do you provide to reduce the risk of fraud?

CashFlows provide a range of online fraud management services, to help merchants secure their online payments and reduce fraud.

  • 3D Secure - (the online equivalent of Chip & PIN) is also known as SecureCard (by Mastercard), and Verified by Visa (by Visa). 3D Secure/SecureCard/Verified by Visa can guarantee merchants payment for online transactions.
  • CVV - (also called CVN/CVC) is a three or four digit code on the back of a card that proves the card is a genuine card. When processed along with the transaction details it provides added security to the transaction.
  • Address Verification Service (AVS) - verifies the billing address of the cardholders bank.
  • Country Blocks - enables the blocking of transactions where the card billing address, the card issuer country or the consumers IP address match your Country Blocks. We also maintain a negative database, allowing us to block known fraudulent users.
  • Deferring payment acceptance - allows your business to review the order and payment details for the risk of fraud before releasing the transaction for processing.
3. How do I enable Email Notifications for disputed transactions?

To help you manage your transactions you can receive email notification when a transaction has for the following types been disputed:

  • High Risk Warning
  • Copy Request/ Request for Information (RFI)
  • Chargeback
  • Representment
  • Chargeback reversal

To enable your dispute emails you must contact our Support Team at: support@cashflows.com and provide us with a specific email address that you wish the dispute emails to be sent to.

4. What are High Risk Warnings and what should I do if I receive a warning?

If a cardholder goes to their issuing bank and reports a fraudulent transaction on their account, rather than receiving an immediate chargeback, you may receive a High Risk Warning. This provides your business an opportunity to proactively refund the transaction and maintain low chargeback ratios.

A high risk transaction being refunded does not guarantee there will not be a subsequent chargeback however, it reduces the chance that a subsequent chargeback will be issued. Where a chargeback is received after you have refunded the transaction then we will automatically represent the chargeback.

5. What are Chargebacks and Retrieval Requests?

A chargeback is a full reversal of a transaction by the card issuer. A chargeback is generated when a cardholder disputes a transaction on their credit card statement.

A retrieval request also known as a "Copy request" or a "Request For Information" (RFI) is a request from the cardholder's issuing bank for copies of a signed sales receipt or other suitable documentation to prove the validity of a transaction. This is normally request when the cardholder does not recognise a specific transaction on their card statement or if cardholder's issuing bank has detected the transaction as potential fraudulent.

6. How do Chargebacks affect me and my business?

Visa & Mastercard impose strict chargeback thresholds beyond which substantial fines can be applied and merchant facilities terminated. It is therefore important to keep chargebacks to a minimum.

CashFlows constantly monitors chargeback levels and will alert you when corrective action is required. We will always work with you to help you reduce this risk, by offering guidance and advice on avoiding chargebacks and fighting fraud.

For further information, refer to our Chargeback Guide.

7. How long does a Chargeback/Retrieval Request take?

The time scales vary for each chargeback reason and card scheme. A chargeback may be raised several months after the original transaction. The first chargeback time limit is generally calculated from one of two dates:

  1. The date the transaction is processed by the card scheme, or;
  2. The date of expected receipt of services (e.g., for travel services, the expected date of travel).

The first chargeback time limit begins on the calendar day following these dates, and the issuing bank has typically up to 180 days from this day to raise the chargeback. However, chargebacks and retrieval requests can occur at various time scales depending on the reason for the dispute as well as the financial offers surrounding the transactions.

8. What information is required to represent (dispute) a chargeback?

In order for a representment case to be considered for bank submission, the following details must be provided to us within 5 business days.

  1. A Scanned document (referred to as a "sub draft") showing the card holder's information (name, address, card number, expiry date, cvv response, phone number, email address, IP address, etc.) and a description of the goods or services provided for this transaction.
  2. Any of these additional, optional items, provided to increase your chances of winning a representment case:
    1. A copy of a paper sales draft or fax showing the card holder's signature.
    2. A legible photocopy of the front and back of the customer's credit card.
    3. A legible photocopy of the card holder's passport or driver's licence.
  3. Any additional proof of the order authorisation or merchant fulfilment.
9. How can I reduce the risk of chargebacks?

Avoid chargebacks resulting from payment duplications

In short, only charge the buyer once for any single order. This means only allow your customer to pay for the same order once. If they try to purchase the same order multiple times, please clarify that this is their intent before you charge them for duplicate orders. If you have invoiced the buyer, please be cautious before invoicing them again.

Avoid chargebacks resulting from cancelled or returned orders

Display a clear return and cancellation policy on your website. Check for any communication from the buyer requesting a cancellation or return. Make sure these requests are promptly addressed. Do not wait to issue refunds, if they are appropriate. Keep lines of communication opened with your customers.

Avoid chargebacks resulting from the quality of goods

Include a detailed description of the goods being sold, including their specifications, capabilities, and limitations. Photos, video, or audio may help avoid any confusion over what is being purchased.

Avoid claims of non-receipt of merchandise

Dispatch your items in person or with carriers that provide an online tracking service and signature proof of delivery to protect against claims of services not being provided.

Stay Alert

  • multiple usual separate orders by the same shopper using free email addresses ( Yahoo, Gmail, Hotmail) and mobile phone numbers.
  • Do not despatch goods by whatever means (including online delivery) to a third-party address (that is, an address other than the card holder's address) - this is considered very high risk. When delivering the goods, obtain the card holder's signature to show proof of delivery.
  • Beware of suspiciously impatient customers that request guaranteed next day delivery, especially with high value goods delivered to 3rd party addresses.

For further information and more practical advice, refer to our Chargeback Guide.


Business Account FAQs

1. How do I view my Business Account's available funds?

To help you manage your business's money the Account Management System provides a graphical overview of all your business accounts and a detailed statement underpinning each of them.

To view a specific account statement, select the 'Account Balance' of the business account displayed on the overview screen. The Busines Account statement page displays an overview of your available balance and a report of all the payments made to and from the account. The statement enables you to search your payments by date, amount, description and type.

The account page also displays all your account details including your IBAN, when your next monthly fee is due, how much is overdue and how many free payments are remaining.

2. How do I make a payment from my Business Account?

To make a payment from your Business Account to either another CashFlows Business Account or an external Bank Account:

  1. Login to your Account Management System via: https://secure.cashflows.com/admin/login
  2. Enter your unique email address and password (Note: Your password is case sensitive) and select the Login button.
  3. Select Make a Payment from the Business Account's Top Menu. The Make a Payment page enables you to make one off payments, Standing Orders (recurring scheduled payments) or upload Batch Payments.
  4. To make a one off payment enter the amount of the payment and the beneficiary's bank details.
  5. Select the 'Make a Payment' button and you will be presented with a confirmation page, which requires you to confirm your payment details by entering your login password and a selection of characters from your Payments Password.
  6. Select the 'Confirm' button to make the payment. You will then be presented with the payment result page enabling you to make another payment or view your account's payments.

To create a standing order or scheduled payment, select the Standing Order tab and enter the amount of the payment,the beneficiary's bank details and the payment schedule including the start date of the schedule and a Payment Occurence. The payment occurence is set by stating the number of weeks, months or years between the payments. You must then set when the payments will finish, either until further notice, to a specified end date or by number of payments.

3. What payment types can I make from my Business Account?

You can make the following bank payments:

  • Faster Payments (UK Domestic)
  • CHAPS (UK Domestic – high value)
  • SEPA (Eurozone)
  • International Priority Payments (Rest of World - Swift)

You can make one-off payments, bulk payments when you need to pay multiple beneficiaries and set up standing orders to pay the same recipient on a set schedule.

4. Can I make multiple bulk payments from my Business Account?

Yes, you can upload a set of batch payments by creating either a CSV or XML batch file of your payment requests. An example of a CSV or XML batch payments request file can be downloaded at:

Default Payment Page Inline Style SheeteDownload the CSV Batch Payments Request (CSV 743 KB)

Default Payment Page Inline Style SheeteDownload the XML Batch Payments Request (XML 3.01 KB)

Once you have successfully uploaded your batch file to your Account Management system you will need to authorise the payments using your payment password.

5. What is the Payments Password?

Your Payments Password is created the first time you visit the 'Make a Payment' page in the Account Management System. Enter your password and press the Save Payment Password button, you will then receive and email requiring you to verify the password creation.

When you wish to make a payment from your business account you will need to confirm the payment details by entering your full login password and a selection of characters from your Payments Password. If you have forgotten or you wish to change your Payments Password, please contact customerservices@cashflows.com.

6. What is a beneficiary and what is a beneficiary passcode?

Beneficiary - a person or business that receives payments from the CashFlows Business Account, also known as payee.

If you have created a new beneficiary or have changed an existing beneficiary's details, you will receive an email with a unique beneficiary passcode. The beneficiary passcode has been designed to prevent fraud as all beneficiaries must be authorised by the primary account holder prior to release of any payments.

To confirm the beneficiary details and create the bank payment request you will also need to enter the passcode into the confirmation page display.

7. Can I delete beneficiaries?

At present you are unable to delete beneficiaries. If you require to delete a beneficiary, please contact us at customerservices@cashflows.com, with your Profile Id and the beneficiary name.

8. How can I request a payment from my customer?

You can request that your customers make a bank transfer into your business account by:

  1. Login to your Account Management System via: https://secure.cashflows.com/admin/login
  2. Enter your unique email address and password (Note: Your password is case sensitive) and select the Login button.
  3. Select the Business Account that you wish the bank transfer to go to from the overview screen.
  4. Select 'Payment Request' from the Business Account's Top Menu
  5. To request a bank transfer, enter the recipient details, the amount and the reason for the payment.
  6. Select the 'Request a Payment' button to send the request including your business Account details to the recipient email address.

We would recommend that you contact the recipient prior to the sending the request to confirm their details and to inform them of your request.

9. Where can I view my allocation of Free payments and more details on my pricing plan?

To help you manage your business's money the Account Statement page displays all your account details including your IBAN, when your next monthly fee is due, how much is overdue and how many free payments are remaining.

To view your pricing plan, select Pricing Plan from the Business Account's Top Menu in the Account Management System.

The pricing plan has been designed to show all the cost and fees as clearly as possible.

10. How do I verify the CashFlows Business Account with PayPal?

If you require funds from your PayPal account to be sent to your CashFlows Business Account, PayPal will need to perform a test payment of 0.01 GBP to your CashFlows Business Account. To allow this test to correctly work you must supply PayPal with the correct CashFlows Business Account details for each of your currencies to prevent payment rejection due to a currency mismatch.


Additional Services FAQs

1. What is a Virtual Terminal and how does the Mobile Terminal work?

CashFlows' Virtual Terminal is a simple and secure solution, ideal for accepting payments over the phone or by mail order. You simply need to enter the card and cardholder details into a secure webpage, which connects to the CashFlows for authorisation. Processing transactions takes just a few seconds and a response is sent back to confirming the transaction response. The Virtual Terminal is browser based and provides a high level of transaction security.

The Mobile Virtual Terminal can be accessed at https://secure.cashflows.com/admin/vt

2. How do I submit a payment using the Virtual Terminal?

To submit a payment for authorisation using the Virtual Terminal you must complete the following steps before, selecting the Make Payment button.

  1. Enter a description for the transactions
  2. Enter an invoice number/reference for the transaction
  3. Select the currency
  4. Enter the transaction amount
  5. Enter the consumers card details
  6. Enter the consumers billing details
  7. Select the 'Make Payment' button
3. What is e-Invoicing?

The CashFlows e-Invoicing service is the most efficient way your customers can pay by allowing your business to send both PDF and HTML invoices to your customers by email. They can then instantly settle their invoices via our secure payment pages online using their credit or debit card. The funds from settled invoices are paid directly into your Merchant Account.

4. How do I create an e-Invoice?

To generate an e-Invoice select the 'Create an e-Invoice' from the 'e-Invoicing' menu. The Create an e-Invoice page will be displayed enabling you to enter your invoice details and to state the payment due date. For further advice, please visit our How to create and e-Invoice demo

5. What is a Prepaid CashFlows Card?

The Prepaid CashFlows Card is a prepaid card that offers you a low cost alternative to a corporate credit card facility. The first card is offered FREE for customers who have a Business Account and there is no limit on the number of extra cards that can be ordered and used for your business.

6. Can more than one individual from my business use these services?

Yes, Virtual Terminal and e-Invoicing can be set up with multiple logins allowing for different levels of access. In addition you can order as many Prepaid CashFlows Cards as you require for your business requirements.