Understanding merchant processing
Merchant processing is a feature of WellnessLiving that enables you to accept payments from your clients’ credit or debit cards and transfer the money from those payments directly into your business’s bank account. Merchant processing is available through WellnessLiving by using an associated merchant processor via a gateway. A gateway communicates the approval or denial of transactions between you and your customers.
What you can do with merchant processing
Merchant processing gives you more time and flexibility when it comes to selling your services and products.
Allows you to take credit or debit payments through WellnessLiving.
Every day at a specific cutoff time, the day’s transactions are group together into a batch , and that batch of transactions is automatically submitted for processing.
Getting started with merchant processing
Before you can start processing transactions at your business, follow these steps:
Submit an application – You must submit an application to a merchant process. To process debit transactions, you must also apply for Automated Clearing House (ACH) processing.
Your Account Executive and Onboarding Specialist can provide further assistance with your application. You can also email us at [email protected].
Complete the setup – After receiving the merchant processor’s approval, the Merchant Processing team at WellnessLiving will help you complete your merchant processing setup.
Start making sales – Clients can begin purchasing your services or products using their credit card or debit card.
Merchant processors associated with WellnessLiving
WellnessLiving is associated with the following merchant processors and ACH providers:
Argus Merchant Services
Barclays
First ACH
Nuvei (formerly Pivotal)
Paragon (formerly Direct Connect)
PayArc
Payrix (formerly IntegraPay)
Paysafe (formerly Optimal Payments)
QuickPay (formerly PayChoice)
Key tips
Extra fees
Maintaining and using your merchant processing integration through WellnessLiving requires that you pay certain fees to your processor. For more information, see Merchant processing fees.
PCI compliance
A PCI compliance form will be sent to you as a part of the merchant processing setup process with WellnessLiving. For more information, see PCI compliance.
Transaction times and batches
Refunds for your clients are handled differently depending on whether the batch for the client’s transaction has already been processed. For more information, see Transaction batches and refunds.
Batch times, fees, and other information may differ depending on your merchant processor. For more information, contact your merchant processor directly.
The time at which a batch is processed can affect refund processing times. For more information, see Credit card and ACH/Debit refunds.
During ACH processing, certain notifications may be sent to your clients. For more information, see ACH status notifications.
Paragon offers a paid service upgrade that scans for changes to client credit card information and updates the card details automatically. For more information, see Paragon Card Account Updater (CAU).