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1. Introduction

When processing online transactions, it’s important to keep track of your financial operations. Our Merchant Portal is an intuitive dashboard to manage your transactions.

It allows you very easily to

2. Access Merchant Portal

Access the Merchant Portal via the login page. Depending on the environment you want to access, you have to go to the respective URL: 

To clarify which environment you are logged on to, the tab containing the login section will be marked with either the label "Identification(TEST)" or "Identification (Production)": 

UseYourAccount-1.png
The image above shows where to find the label indicating the environment

Before you log on, you still can change the environment by clicking either the "Access to test" or "Access to production" link below the login form.

In each environment you have the possibility to log on with:

  • "PSPID" and "Password". This Login section is displayed by default: 
    UseYourAccount-2.png
    The image above shows the default login screen. 

  • "UserID", "PSPID (Optional)" and "Password". You can display this Login section by clicking the "Login as user" link. Use this possibility if your account has more than one user registered and you want to log on as one of these users
    UseYourAccount-3.png
    The image above shows the "Login as user" login screen. 

Once you have logged in, you have access to the following tabs via the side menu:

If you have lost your password, reset it by following the instructions in our dedicated guide.

3. Understand Dashboard tab

The "Dashboard" tab provides you a condensed overview on your cash flow, with links to other tabs for quick actions.

Module Description/Possible actions
Transaction overview

A graphical representation of incoming transactions per

  • Day/month
  • Currency
  • Settlements by currency
Net pending

Funds linked to the next settlement to be paid out. This amount is subject to changes depending on new transactions processed, refunds, chargebacks etc.

Click on "View settlements" to go to the "Settlements" tab for a detailed overview

My transactions

Combined value of today’s processed transactions, regardless of the transaction status. Hence, this sum also includes unsuccessful transactions (statusOutput.statusCode=0/1/2 etc.), authorisations (statusOutput.statusCode=5) and refunds/cancellations (statusOutput.statusCode=6/7/8 etc.)

Click on "View transactions" to go to the "Transactions" tab for a detailed overview

To capture

Combined value of all transactions in statusOutput.statusCode=5 you still have to capture.
Click on "Capture transactions" to go to the "Transactions" tab to get a list of all impacted transactions and to capture them

Transaction this week
Transactions this month
Transactions this year
Combined value of all transactions within the respective period in the respective currency

MerchantPortal-Dashboard.png
The image shows the Dashboard tab with the available information.

4. Understand Transactions tab

Here you can filter your processed transactions by one or more of the following parameters. This allows you to quickly look up transaction(s) and/or perform actions (i.e. captures, refunds) on them, even on transaction bulks.

Look up transactions

Parameter Description
From...to...

Select a time period up of up to 18 months. The transaction’s timestamp refers to the date/time when it was authorised (statusOutput.statusCode=5 or 9 for direct sales / Status="Authorized" or "Payment requested" for direct sales).

For unsuccessful transactions (i.e. statusOutput.statusCode=0 or 1 / Status="Invalid or incomplete" or "Cancelled by customer", the timestamp refers to the moment you request reached our platform/your customers cancelled the transaction

Transaction ID Your identifier for the order (The value you sent in property order.references.merchantReference)
Payment method The payment method the transactions were processed with. The content of the drop down menu is identical to your active payment methods
Amount Value you sent in property order.amountOfMoney.amount
Status The human-readable, string-based global transaction status description. Find a complete overview of all possible statuses in our dedicated guide, including a mapping for the numeric property statusOutput.statusCode

Learn more about the global transaction status and individual maintenance operations in chapter "Understand transaction overview"

Once you have applied you filter, you can access detailed information for any transaction by clicking on the "Transaction ID"

Understand transaction overview

Find here a detailed overview of individual transactions and the possibility to perform maintenance operations on them.

By clicking on the "Action" drop down button and filling in the amount field, you can perform (partial) captures, refunds and authorisation cancellations. If you want to perform the same action to more than one transaction, learn how to do this in the “Perform bulk actions“ chapter.

The fields displayed in the overview contains valuable information about the overall status and the transaction’s history. Some of them are self-explanatory, but some require a deeper understanding to get a full picture:

Parameter Description
Transaction ID Your identifier for the order (The value you sent in property order.references.merchantReference)
Authorization Date The timestamp the transaction reached status (statusOutput.statusCode=2/5/9)
Fraud score Our Fraud Prevention Module’s risk assessment
Status The human-readable, string-based global transaction status description. Find a complete overview of all possible statuses in our dedicated guide, including a mapping for human-readable, string-based status and the numeric property statusOutput.statusCode

Learn more about the global transaction status and individual maintenance operations in a dedicated chapter in our Webhooks guide
History

Provides a list of individual maintenance operations (i.e. authorisations/captures/refunds) you have performed on the transaction, either via the Merchant Portal or the Direct API. Each maintenance operation shows individual data of

  • The action performed i.e. "Direct sale (payment)"
  • The time stamp of the action performed
  • The result of the of the action performed, i.e. "Status code: 9. Approved". Find a complete overview of all statuses in our dedicated guide, including a mapping for human-readable, string-based status and the numeric property statusOutput.statusCode
Learn more about the global transaction status and individual maintenance operations in a dedicated chapter in our Webhooks guide

Perform bulk actions

If you want to perform maintenance operations on a bulk of transactions at once, the Merchant Portal allows you to do so easily by following these steps:

  1. In the Transactions tab, flag individual transactions for which you want to perform the same maintenance operation. You can apply filter “Status” or any other parameter to help you filter out transactions
  2. From the drop down menu "Bulk actions", select one of the following actions:
    a) "Capture amounts": Capture statusOutput.statusCode=5 transactions to turn them intostatusOutput.statusCode=9

    b) "Refund amounts": Refund statusOutput.statusCode=9 transactions to turn them intostatusOutput.statusCode=8

    c) "Cancel authorizations": Cancel the authorised amount for statusOutput.statusCode=5 transactions to turn them into statusOutput.statusCode=6
Find a complete overview of all possible statuses in our dedicated guide

5. Understand Settlements tab

Processing online transactions can be challenging. Apart from solving the technical aspect, you also want to keep track of your income and spending generated by your transactions.

This tab gives you maximum transparency of what you earn and what you pay for processed transactions either via Full Service or any of your external acquirers. Make sure to select either "Collect" for Full Service or "External acquirers" respectively before you consult the available data.

Understand Net pending

All income / cost counted up to final sum in the respective currency pending to be paid out. Negative figures indicate that the incoming transaction flow (the gross amount) do not cover your costs (fees, refunds, chargebacks)

Understand Settlements history

Each line in the table represents a batch of transactions your acquirer has processed for one settlement. Use one or more of the following parameters to look up individual settlements:

Parameter Description
From...to... Select a time period up of up to 18 months
Acquirer The acquirer processing the settlement. Fixed value "Collect" for transactions process via Full Service
Amount Net amount you receive after deducting all costs for this settlement. Learn more about this in the "Understand Reporting" chapter
Transactions Amount of transactions included in this settlement
Action Download all settlement reports from the current table as one file or individually by clicking on “Download report” in the respective line. Learn more about reports in the "Understand Reporting" chapter

Understand Reporting

The Merchant Portal provides downloadable reports breaking down transactions earnings and costs. Every report from the "Settlements history" table contains the following data in .csv format:

Column Description
Merchant The PSPID on our platform you have sent the transaction to for processing
Channel The channel used to process the transaction
Transaction Id

Unique transaction reference in our system in format id/operations.id (properties id/operation.id received from a GetPaymentDetails request)

Learn more about this reference and these properties in a dedicated chapter in our Webhooks guide

Operation

Beneficiary for the funds related to the transaction. Possible values:

  • TDEB: Funds paid out to you for captured transactions (statusOutput.statusCode=9)
  • TREF: Funds paid back to your customer for refunds (statusOutput.statusCode=7/8)
  • TCBK: Funds paid back to your customer for chargebacks (statusOutput.statusCode=84)

At the end of each file this column breaks down all costs resulting in the net amount:

  • Security Deposit Adjustment: Fees linked to chargebacks
  • Direct Debit: Positive/Negative adjustment to Full Service merchant account balance following a (cancellation) of direct debit to your account
  • Reserve Adjustment: Fees we charge for processing all the refunds
  • Transaction Amount: The sum of all successful transactions (statusOutput.statusCode=9) combined (defined in property order.amountOfMoney.amount and in column “Gross Amount”
  • Transactional Fees: Fees we charge for processing all the transactions
  • Non Transactional Fees: All other fess not listed above
  • Refunds: Fees we charge for processing all the refunds
  • Chargebacks: Fees linked to chargebacks
  • Total: The net amount you receive as payout from this settlement (Gross amount minus costs/fees)
Merchant Ref Your unique reference as sent in property order.references.merchantReference
Order Description Your additional reference as sent in property order.references.descriptor
Order Date Time stamp the transaction request was sent to our platform
Payment Date Time stamp the transaction was settled by the acquirer
Gross Amount Gross amount of the transaction as sent in property order.amountOfMoney.amount
Gross Amount Currency Gross amount's currency as sent in property order.amountOfMoney.currencyCode
Interchange Fee Interchange fee deducted from this transaction from the gross amount
Interchange Fee Currency Interchange fee ISO currency code
Scheme Fee Total Scheme fee deducted from this transaction from the gross amount
Scheme Fee Total Currency Scheme fee ISO currency code
Commission Acquirer/collector commission
Commission Currency Acquirer/collector commission ISO currency code
Net Amount

Net amount to be paid out to you for this transaction: gross amount minus costs/fees as defined in columns

Interchange Fee
Scheme Fee Total
Commission

Net Amount Currency Net amount ISO currency code
Reserve Debit Amount Fees we charge for processing all the transactions
Reserve Debit Currency Reserve Debit Amount ISO currency code
Fx Rate Exchange rate for converting any transaction currency (as sent in property order.amountOfMoney.currencyCode) to your settlement currency
Fx Fee Exchange rate fee deducted from this transaction
Fx Fee Currency Fx Fee ISO currency code
Status

Reconciliation status for this transaction. Depending on the transaction’s status, the following values apply:

  • Payments (transactions in statusOutput.statusCode=9X for all payment methods except Bank Transfer / Sofortüberweisung):

    Transaction processed
    Sent for clearing
    Received by direct.FullServiceLegalEntity
    Paid by direct.FullServiceLegalEntity

  • Refunds (transactions in statusOutput.statusCode=8X for all payment methods except Bank Transfer / Sofortüberweisung):

    Refund pending
    Refund processed
    Refund refused

  • Transactions via payment methods Bank Transfer / Sofortüberweisung:

    Waiting for payment
    Received by Ingenico 
    Paid by Ingenico 
    Expiration initialized
    Expired
Payment Method Payment method / brand used for this transaction
Payout Ref The acquirer's unique reference for this settlement
Payout Date Settlement date in format Month/Day/Year
Payout Account Bank account to which the amount linked to this settlement has been paid

6. Understand Disputes tab

This tab allows you to follow-up on ongoing and past disputes related to fraudulent transactions.

Read our dedicated Dispute management guide to learn more about
  • The dispute process in general
  • Different dispute scenarios
  • The help we offer dealing with them
  • Necessary actions from your side for any dispute scenario

Understand "Total amount to challenge" table

This table sums up all outstanding funds related to unresolved cases that you can still defend. Make sure to follow the established process for the applicable dispute scenario.

Understand "Chargeback rates" tables

Chargeback rates indicates the percentage of disputed funds in relation to the gross/net transaction amounts. The higher the rate, the more likely you will be subject to a card scheme monitoring program.
Make sure to follow our best practices to avoid fraud altogether:

Understand Disputes table

The "Disputes" table provides an overview about pending, ongoing and past dispute cases. Use one or more of the following parameters to filter your disputes:

Parameter Description
Transaction ID Your identifier for the order (The value you sent in property order.references.merchantReference) related to this dispute
Customer name The card/bank account owner linked to this disputed transaction
Dispute

Disputes categorised by their treatment status. Possible values:

  • Not described: These are disputes that have not been treated yet. Column "Status" indicates for each of them how much time you have left to pick them up. Check our dedicated direct.disputeManagement guide to learn how to act accordingly
  • Retrieval request: Dispute cases subject to retrival request. Check our dedicated direct.disputeManagement guide to learn how to act accordingly
Amount Amount linked to this dispute
3DS

The result of the 3-D Secure authentication check linked to this transaction. Possible values:

  • Full 3DS
  • No 3DS
Learn more about authentication results and liability shifts in our dedicated 3-D Secure status guide

7. Understand Developer tab

One of the requirements to process transactions is the configuration of authentication credentials and webhooks in your acccount.
Learn in our dedicated Authentication guide/Webhooks guide how to do this in the Merchant Portal.