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As Principal Member of Visa Europe and Mastercard, CashFlows provide businesses with a Merchant Account allowing card payment types like Visa, Mastercard or American Express to be authorised and for the settled funds to be easily managed via the Account Management System.
A Rolling Reserve is a percentage of a sales batch total 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.
Watch the 'How to View the balance of your accounts' demo
Watch the 'How to View what will be settled to your account' demo
The Account Management System Guide provides an introduction to how to use the Account Management System (AMS) to manage your CashFlows Merchant and Business Account including: making & receiving payments, financial management, transaction management and gateway integration.
Download the Account Management System Guide (PDF 3.4 MB)
To enable your business to process credit and debit card payments online, your business must connect to a payment gateway. The CashFlows' Payment Gateway enables your business to accept a range of payment cards and currencies on your website.
To connect your business to our Payment Gateway we provide a range of payment gateway integration methods allowing for different levels of control over the payment process.
As a principal member of VISA and Mastercard, we can enable the Payment Gateway to process all the different card types shown below:
Our payment acceptance is available in the following currencies at no additional cost:
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:
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 |
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.
The Account Management System Guide provides an introduction to how to use the Account Management System (AMS) to manage your CashFlows Merchant and Business Account including: making & receiving payments, financial management, transaction management and gateway integration.
Download the Account Management System Guide (PDF 3.4 MB)
Unlike traditional business bank accounts the CashFlows Business Account is consolidated with a merchant account allowing your business to accept both card payments and make bank payments.
The Account Management System provides comprehensive reporting and enables your business to make low cost payments anytime, anywhere.
You can make the following bank payments:
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.
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:
Download the CSV Batch Payments Request (CSV 743 KB)
Download 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.
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 support@cashflows.com
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 transfer request you will also need to enter the passcode into the confirmation page display.
The Account Management System Guide provides an introduction to how to use the Account Management System (AMS) to manage your CashFlows Merchant and Business Account including: making & receiving payments, financial management, transaction management and gateway integration.
Download the Account Management System Guide (PDF 3.4 MB)
CashFlows' Virtual Terminal is a simple and secure solution, ideal for accepting payments over the phone or by mail order.
Our Virtual Terminal is available to multiple users simultaneously and can be accessed via your Account Management System or from any device using the standalone product URL: https://secure.cashflows.com/admin/vt
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
To submit a payment for authorisation using the Virtual Terminal you must complete the following steps before, selecting the Make Payment button.
The Virtual Terminal Guide provides an introduction to how to use the Virtual Terminal to make a Mail Order and Telephone Order payment from your customers.
Download the Virtual Terminal Guide (PDF 292 KB)
CashFlows provide a range of online fraud management services, to help secure online payments and reduce your expose to fraud including: 3D Secure (SecureCard Mastercard, Verified by Visa), Address Verification Service (AVS) checks, CVV (CVN/CVC) checks, and a shoppers country blacklisting process.
To help you manage your transactions you can receive email notifications when a transaction has been disputed against the following types:
To enable your dispute emails, you must contact our Support Team at: support@cashflows.com and provide us with a single email address that you wish the dispute emails to be sent to.
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.
The time scales vary by card scheme and the type of Chargeback/Dispute. A Chargeback/Dispute may be raised several months after the original transaction. The first chargeback time limit is generally calculated from one of two dates:
The first Chargeback/Dispute time limit begins on the calendar day following these dates, and the issuing bank typically has up to 180 days from this day to raise the Chargeback. However, Chargebacks/Disputes 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.
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.
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.
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.
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.
For further information and more practical advice, refer to our Dispute Management Guide.
'How to defend a disputed transaction'
Fighting Fraud and Reducing Chargebacks/Disputes tips and procedures
CashFlows Merchant Monitoring Program & Card Scheme Fee Assessments
Visa Claims Resolutions - Changes to the Visas Chargeback/Dispute processes as of 13th April 2018
The Chargeback and Anti-Fraud Guide will give you an overview of what chargebacks are and how to protect yourself against fraud.
Download the Chargeback and Anti-Fraud Guide (PDF 154 KB)