The Merchant account page is visible in the Accounting and finance>Merchant account subtab. Your organization must have a Paysafe merchant account and administrators require an 'account owner' or 'Finance and reporting-Accounting reports' permission. Franchisees do not have access to the Merchant account page.

If you do not have the required permission, contact the account owner at your organization. If you still cannot see the tab, contact us at support@amilia.com.

Amilia Payment is our deep integration into payment to help simplify your financial operations. Our partnership with Paysafe enables us to bring relevant data from Netbanx into Amilia, so you don't need to open multiple tabs to find the information you're looking for. Netbanx is Paysafe's gateway portal that allows you to track the funds inside your merchant account.

We recommend doing the reconciliation at least once a month. This makes it easier to match your monthly bank statements with deposits made to your organization's bank account and allows you to address any inconsistencies in a timely manner (in the unlikely event they occur).

In addition to your bank statement, you should download the:

To find out for which client a payment was made, use the Payment summary.

To find out what was paid for, use the Breakdown of payments by ledger code.

You can also find out which client and invoice is linked to a payment in the Merchant account subtab. Click here to learn more!

In the Reports tab, you can download the:

To quickly view the ledger code(s) linked to a specific online payment, go to the Accounting and finance > Merchant account subtab. Click on a transfer amount to view all the client payments within the transfer. Under the Reconciliations column, click on View to jump to a client's billing to see which invoice was reconciled to the payment. Click on the Invoice ID to load the invoice on the screen. Click on the invoice to see the ledger code(s). Click here for more information.

Settlements are managed by the merchant account provider, Paysafe. They cannot access invoice and/or ledger code details from Amilia. However, you can easily find out what was paid for by using the Breakdown of payments by ledger code report and/or going to the Accounting and finance > Merchant account subtab and viewing the reconciliations there.

Paysafe batches payments based on the transaction date. Keep in mind a transfer to your bank account can include more than one batch of payments.

For credit cards and eChecks: the batch times are midnight to midnight Eastern Time for all processing regardless of region. Transactions that occur up to 11:59pm that same day will be included in the settlement record the following day in the Account Statement.

In total, it can take up to 5 business days from the time a client makes an online payment to the time it is deposited in your organization's bank account.

When a client makes an online payment, it is held in your merchant account for 2 business days. If you have been using your merchant account for more than 6 months, the holding period may be reduced by contacting us at support@amilia.com.

After the holding period, Paysafe transfers the funds to your bank account. It can take up to 72 hours before the money is deposited in your bank account. This time frame depends on your banking institution (regardless of where you are located).

A chargeback is a reversal of funds made at the request of the client. This cannot be tracked in Amilia's client billing. However, you can view chargeback amounts in the:

Please note there is a Network Assessment fee associated with chargebacks, which appears on the upcoming Amilia invoice.

Refunds are visible in the:

The Accounting and finance > Merchant account subtab displays and breaks down the payment transfers from your merchant account to your organization's bank account. If you can't find the record of a refund, consider the following:

If you cancel a payment on the day it was made, the payment is halted before the money lands in your merchant account. Clients will still see a pending payment on their credit card but the charges will disappear shortly afterwards. There will be no record of this payment on the Merchant account page.

It can take 2-3 business days.

Payments are automatically reconciled to an invoice when purchased via your Amilia store. If you add a payment directly in the client's billing account, Amilia will prompt you to reconcile the payment with the appropriate invoice item(s). You can always check in the Accounting and finance > Unreconciled items subtab to verify if any payments or credits remain unreconciled.

The Merchant account page displays when a bank transfer took place (i.e. funds were sent to your bank account) and more importantly, allows you to break down those transfers to see which client payments were included, as well as which invoice(s) was reconciled to the payment. Paired with the Merchant account settlement & fee report, this is a great tool when doing your banking reconciliation for online payments. In most cases, you do not need to log into the payment processor's portal.

However, if you require more details on your current balance in your merchant account, on chargebacks, pending transactions, failed payments, and/or error codes, you can download additional reports in Netbanx.

An eCheck is an online version of a paper check. Both contain the account holder's bank details and an instruction to the bank to authorize a transfer of funds. Unlike a credit card that taps into the credit card network, an eCheck payment is a transfer between banks only. Since fewer institutions are involved, the payment processing cost is considerably less.

A separate merchant account is required to process eChecks so that clients have the option of paying online with their banking information. Contact us at support@amilia.com for more information!