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Merchant Account

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.

Top Frequently Asked Questions

How do I know when I will be paid?

When your Merchant account has been activated to accept card payments we will send you and email stated the frequency and days of remittance on your account. If you have misplaced or did not receive this email you can also view your remittance schedule by logging into the Account Management System and viewing your Pricing Plan.

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 businesses 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.

What is a Rolling Reserve and when will it be released?

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.

More Merchant Account Frequently Asked Questions ...

How to Guides & Additional Resources

Account Management System Guide

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.

Account Management System GuideDownload the Account Management System Guide (PDF 3.4 MB)

Payment Gateway

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.

Top Frequently Asked Questions

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

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
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
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
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.

More Payment Gateway Frequently Asked Questions ...

How to Guides & Additional Resources

Account Management System Guide

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.

Account Management System GuideDownload the Account Management System Guide (PDF 3.4 MB)

Business Account

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.

Top Frequently Asked Questions

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)

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.

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.

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

What is a beneficiary passcode?

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.

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 Menu in the Account Management System.

The pricing plan has been designed to show all the cost and fees as clearly as possible. If you accept card payments you can view the full unblended pricing breakdown for each currency, region and payment channel by selecting the 'Full pricing breakdown' link within the Receiving Payments section.

More Business Account Frequently Asked Questions ...

How to Guides & Additional Resources

Account Management System Guide

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The Account Management System Guide provides an introduction to how to use the Account Management System (AMS) to manage your CashFlows Merchant Account including: financial management, transaction management, gateway integration and making remittance payments.

Account Management System GuideDownload the Account Management System Guide (PDF 3.4 MB)

Virtual Terminal

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.

Top Frequently Asked Questions

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

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

How to Guides & Additional Resources

Virtual Terminal Guide

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.

Virtual Terminal GuideDownload the Virtual Terminal Guide (PDF 292 KB)

e-Invoicing

CashFlows' e-Invoicing service allows 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 e-Invoicing service is available via your Account Management System, and can upgraded to your account for free, simply by emailing customerservices@cashflows.com.

Top Frequently Asked Questions

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.

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

How to Guides & Additional Resources

e-Invoicing Guide

The e-Invoicing Guide provides an introduction to how to use the e-Invoicing Service to send electronic quotations and invoices to your customers including: creating a quotation or e-Invoice, reporting of the payments of the invoices sent and customising the invoice to suite you business requirements

e-Invoicing GuideDownload the e-Invoicing Guide (PDF 653 KB)

Fraud Prevention Tools

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.

Top Frequently Asked Questions

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.

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.

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.

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.

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.

More Fraud Prevention Frequently Asked Questions ...

How to Guides & Additional Resources

Chargeback and Anti-Fraud Guide

The Chargeback and Anti-Fraud Guide will give you an overview of what chargebacks are and how to protect yourself against fraud.

Chargeback and Anti-Fraud GuideDownload the Chargeback and Anti-Fraud Guide (PDF 154 KB)