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1. (Optional) Let your members know that changes are coming and in the meantime, they temporarily will not be able to pay invoices with stored cards/bank accounts while you clear out the old profiles and switch to the new GrowthZone Pay.

2. Run and keep a copy of the “ePayment Profile Report”, to view a list of members that have epayment profiles stored with Authorize.net.

3. Run and keep a copy of the “ePayment Fee Assignment“ report to see those that are assigned for automatic payment with Authorize.net during your epayment batch.

   • Remove the automatic epayment assignment from your member fees. (This means they would temporarily be included in the regular Monthly Renewals batch and would receive an invoice.) Note: Contact customer support to have this done globally for you.

   • Delete the Authorize.net epayment profiles by impersonating the rep and deleting the profile. Note: contact customer support to have this done globally for you.

   • Contact Support or call 800-825-9171 option 4 (the fastest option) to switch to GrowthZone Pay and complete the quick setup steps.

   • Follow the steps for setting up recurring billing.

 

Do you have a video I can watch to explain the things I need to consider before switching?

Yes. This video shows how to determine if you have anything special to consider before switching and explains the FAQs in this section.

 

What if I want to switch to GrowthZone Pay but I have an automatic billing setup with a third-party processor and have manual epayments assigned to my members which automatically create my transactions for me each month when I run my monthly epayment batch?

There are two ways to approach the transition to GrowthZone Pay for automatic recurring billing that is currently done outside of the database with a 3rd party processor.

• Gradual: Continue using your 3rd party processor for the recurring billing. Whenever a member successfully enters their account info as a new payment profile in the Member Information Center (MIC), change their fee assignment from Manual epayment to the Automatic epayment associated with their newly entered profile. When running your monthly epayments batch, it will include both the manual epayments and automatic epayments in the same batch. Remember to disable the automatic billing in your 3rd party processor whenever you assign the member to the new automatic epayments.
• Immediately: After the last 3rd party batch has been processed, stop using it for the recurring billing and do not use it for your next batch. Next, remove the manual epayment assignment from your member fees. (This means they would temporarily be included in the regular Monthly Renewals batch and would receive an invoice.) Once the member has successfully entered their account info as a new payment profile in the Member Information Center (MIC), you can enable the automatic epayment of the member fee. When at least one member is set up with an automatic epayment assignment, then you will need to begin running the monthly epayment batch.

 

What if I want to switch to GrowthZone Pay but I have an automatic billing setup with Authorize.net and CIM with automatic epayments assigned to my members which automatically create my transactions and bill the customers each month when I run my monthly epayment batch?

No problem but there are a few steps to do before switching over. Switching over to GrowthZone Pay means that all transactions within the database will be processed with this new processor. Consequently, the Authorize.net epayment profiles will no longer work if those profiles are processed with GrowthZone Pay. Due to PCI compliance rules and other security concerns, these profiles may not be transferred from one processor to another – they must be re-entered.

 

My members have a credit card and bank accounts stored with my third-party processor and I use their recurring billing with no transaction automatically created in the database (not using Manual epayments). Can I have these accounts transferred to GrowthZone Pay or will my members have to re-enter them?

They need to be re-entered. Due to PCI compliance rules and other security concerns, these profiles may not be transferred from one processor to another – they must be re-entered.

 

 If I switch to GrowthZone Pay, does GrowthZone contact my previous processor?

No. Your account with your previous processor is your responsibility to close out or maintain. However, you want to handle it.

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Does GrowthZone Pay allow us to attach a swipe device?

Yes. See the info on Mobile Card Readers.

 

Is there a minimum purchase that can be made?

Yes - 50 cents.

 

What is the maximum size for my Statement Descriptor?

Yes, 22 characters. This is the phrase that will appear on your customer's credit/debit/bank statements.

 

Will I know which staff person processed the single, direct transactions that do not create a billing transaction?

Yes. Entries are recorded in the Setup ➝ System Event Log when any transaction is made to GrowthZone Pay. The single, direct transactions specifically mention the name of the staff person who ran the transaction.

 

Will I receive any emails when purchases are made?

Yes. An email from the database will come to the email address listed under Setup ➝ Billing Options and Settings in the Credit Card section.

 

The person who signed up for this account is no longer with the organization. How do I make sure to update this account with an updated contact name?

Contact GrowthZone support via email with the name of the contact that you’d like to have listed as the contact. An email verification will be sent back to you stating that this change has been made.

 

How do I deactivate/close my account with Stripe and GrowthZone?

Contact GrowthZone Customer Service who will deactivate your Stripe account.

 

How do I issue a refund?

Click the Refund link on the Payment Processing Report or a fully applied payment. Then follow the steps for creating the appropriate bookkeeping entry.

 

How soon will my customer see the refund in their account?

The customer will receive the funds from a refund in their account approximately 5–10 business days after the date on which the refund was initiated.

 

Are the fees returned to me when doing a full refund?

Yes. When you refund a charge, the fees you paid to process the charge are returned to you. That is, after charging and then completely refunding a payment, the net cost is zero. If you partially refund a charge, the pro-rated portion of the percentage cost is returned but the fixed fee of .35 is not.

 

How soon is money deposited (transferred) into my account?

Your very first deposit may take up to 7 days to be deposited. After that, deposits (transfers) are made daily and are typically composed of the payments that were processed two days prior for most US and Australian customers; and seven days for other countries. Also, keep in mind that transfers that are scheduled on weekends or holidays won’t be accepted by your bank until the next business day. Also, some US and Australian customers may initially be set for a seven-day transfer while business activity is evaluated. On occasion, banks may take 2-3 additional days to post funds.

Standard payout timing: 2 business days  (applies to Australia, and the United States (except businesses in higher-risk industries))

Payouts of your available account balance are made daily and contain payments processed two business days prior (this is how long it takes for your pending account balance to become available on this schedule). For example, payments received on a Tuesday are paid out by Thursday, and payments received on a Friday are paid out by Tuesday. If your business operates in a higher-risk industry, this schedule may not be immediately available. We require a short period to monitor your business activity before it can be enabled, in which case a 7 calendar day schedule would apply instead. This delay protects your business, customers, and Stripe from the increased risk of fraudulent activity.

4 business days (applies to New Zealand)

Payouts are made daily and contain payments processed four business days prior. For example, payments received on a Monday are paid out by Friday.

5 business days (applies to Malaysia)

Payouts are made daily and contain payments processed four business days prior. For example, payments received on a Monday are paid out by the following Monday.

7 calendar days (applies to All countries except Japan, and high-risk businesses in Australia or the United States)

Payouts are made daily and contain payments processed seven calendar days prior. For example, payments received on a Tuesday are paid out by the following Tuesday.

30 calendar days (applies to Brazil)

Payouts are made daily and contain payments processed thirty calendar days prior. For example, payments received on July 1st would be paid out on July 31st.

Weekly (applies to Japan)

Payouts are made once a week (on a day of your choosing) and include payments processed between 4-11 days prior. For example, if payouts are scheduled on Wednesdays, your account balance from Sunday of the previous week until Saturday of the previous week is deposited every Wednesday.

Alternative payout schedules

If you would prefer to receive payouts on a fixed schedule, you can choose to have them sent either weekly or monthly in your account’s payout settings.

When selecting a weekly schedule, you can specify the day of the week that payments should arrive in your bank account.  For a monthly schedule, you can specify the day of the month. Payouts scheduled between the 29th and 31st of the month are sent on the last day of shorter months. Selecting either a weekly or monthly schedule does not change how long it takes for your pending balance to become available. If your account was previously operating on a two-business-day daily payout schedule, it still takes two business days for your pending balance to become available. For instance, if a Stripe account changes from two business days rolling to weekly on Fridays, the available balance includes payments made in the last week before Wednesday.

 

Why does the date listed on the Deposit/Transfer report not match the date of the actual deposit into my bank?

The Date identified as the Deposit/Transfer date is the intended/scheduled deposit date indicated by Stripe. The actual deposit date could be delayed most commonly because most banks do not process transfers on weekends.

 

Do all credit card transactions carry over to the Journal Entry Export report?

No. Payments, Receipts, and Refunds (negative Sales Receipts) that are automatically created by the software will be included in the JEE. However, you will need to make a manual adjustment in your accounting software to record processing fees, dispute fees, or chargebacks, as those will not be deducted from the journal entries. Use your Bank Account Deposits/Transfers report to find the totals of each deposit for what will need to be adjusted.

For QuickBooks users using the detail journal entry export option, it is recommended that deposits are handled within QuickBooks. Be sure to select the ‘Exclude Deposits’ option at the time of export. When the deposit is recorded in QuickBooks a line item can be added to account for the total amount of the fees that were withheld from each transaction resulting in a net deposit that will match bank statement activity. View detailed steps.

 

How do you recommend I record my transaction fees so that my deposits match what is actually being deposited?

Include the transaction fee amount, which is shown on the Bank Account Deposits/Transfers report, as part of your deposit in your accounting software. View detailed steps for those using the detail Journal Entry Export with QuickBooks desktop.

 

We want our members to pay off their annual dues by paying 3 equal payments in 3 consecutive months. Can we automatically charge a card for consecutive months in a row and then stop charges for the remainder of that year?

Yes, this can be set up to accommodate any number of consecutive equal payments. How? Assign a monthly epayment fee item to this member and set the Status to Active in Date Range. The Start Date should be the 1st month that you want the payment to be charged and the Expiration to the month of the last payment (inclusive). The amount charged per month will be the Fee Amount / 12 so you will need to inflate the Fee Amount assigned so that when it divides by 12 it will be what you want to charge monthly. The example shown here would charge $400 in April, May, and June totaling a $1200 annual fee but requires putting $4800 in the Fee field. Note: the Fee field is not visible to members or in your accounting totals.

Can we set our ePayments to charge on a particular day of the month?

If you have enabled Allow Automatic ACH/Credit/Debit Card Charges under your Billing Options & Settings, you will be able to select a particular date for e-payment charges. If you have NOT enabled this setting, your ePayment charges happen on whatever day you log in to the software and click to process the epayment batch. See Set Up Autopay of Payment Profiles for further information on implementing automatic charges.

 

Can I charge certain members on the 1st and others on the 15th?

If you have enabled Allow Automatic ACH/Credit/Debit Card Charges under your Billing Options & Settings, you will be able to select a particular date for e-payment charges. If you have NOT enabled this setting, your ePayment charges happen on whatever day you log in to the software and click to process the epayment batch. So, when creating your batches, you can create a batch on the 1st of the month, and choose the members that you wish to bill. Then on the 15th of the month, you can create a batch for those you wish to bill on the 15th. See Set Up Autopay of Payment Profiles for further information on implementing automatic charges.

 

Why are so many of my members' cards being declined?

One reason, besides the normal variety of reasons that charges are typically declined, would be if you are trying to use the stored cards from your previous solution with Authorize.Net. Previously stored cards from another processor will not work with any other credit card processor. See the steps in Switching from Another Processor.

 

What if I already have automatic credit card processing with a 3rd party company but want to set GrowthZone Pay recurring charges?

No problem. Follow the steps for Setup Recurring Charges but modify the initial message to indicate that you are changing your processor and need your member's help. In addition, follow these steps:

• If members were assigned a manual epayment fee when set up with your 3rd party company, switch it to the appropriate epayment selection once the member has entered the new epayment profile into the MIC. You can continue to run your epayment batch with a mix of manual and automatic epayment in the batch.

• If members were assigned an epayment fee with Authorize.net, those epayment profiles will no longer work and must be deleted before notifying the customers to add their new payment profile.

• If members were not assigned either a manual or epayment fee when set up with your 3rd party company, no additional steps are needed - - just assign the epayment fee once the member enters it into the MIC.

 

I did a refund today. Does the refund display on my Payment Processing report?

The Payment Processing report is just that - it shows the payments that have been processed or attempted to be processed (failures). It does not itemize refunds in a line of its own. Refunds are visible in the Monthly statement and then they are detailed in the Bank Account Deposits/Transfers report as a Payment Refund and an Adjustment. When balancing for the month, check the Monthly Statement for refund quantity and total, and then find the adjustment in the Deposits/Transfer report and use the Txn ID (starts with ch_) that is being refunded if you need to locate the original payment.

 

NOTE: If you go back to the original payment on the Payment Processing Report, it will display (Refunded: $amount) and the Refund link will no longer be available if fully refunded.

 

 

Note that it is safe to assume that requests to call a contact number, click through to further information, and so on, will not be fulfilled by the institution that is evaluating the dispute. Banks will not follow external links to view your website or files you’ve uploaded elsewhere, so it’s important to include all evidence at your disposal in your initial evidence submission.

 

It is extremely important to provide evidence for every dispute you hope to win, even if the cardholder/customer has told you they will withdraw the dispute.

 

What happens when a charge is reported as a “Fraudulent Charge”?

The disputed amount and the fee are deducted from your account the day after a dispute is received. The disputed amount and fee are refunded to your bank account if the dispute is resolved in your favor. This is referred to as a chargeback.

 

What happens when a charge is reported as an "Unrecognized Charge"?

An “Unrecognized Charge” is an inquiry or retrieval request that asks for information about a transaction. These usually occur after a cardholder calls their issuing bank about a charge they don’t recognize or another discrepancy on their bill. The disputed amount is not deducted from your account and no fee is charged.

• If you choose to Refund the full amount, the dispute will automatically be resolved. However, if the charge is valid and you do not wish to refund, it is always recommended that you reach out to your customer first to get more information about the reason for the dispute.
• If you reach an agreement with your customer, and they agree to withdraw the dispute, it’s still important to provide evidence (even if it’s simple text evidence indicating that you’ve communicated with them and they’ve agreed to withdraw)

Once you produce sufficient evidence to defend the transaction, this type of dispute can usually be settled in your favor. Many disputes are the result of the cardholder not recognizing the transaction and providing basic info about your business and what was purchased is usually sufficient to close the case. However, if the customer refutes your evidence, or the bank considers it insufficient, the bank might escalate the inquiry into a chargeback and begin the process of returning the customer’s funds—it’s important to resolve the case while it is still in this stage.

 

What is the difference between an “Unrecognized Charge” and a “Fraudulent Charge”?

Sometimes, a cardholder’s bank may initiate an investigation into a complaint before a formal chargeback. These investigations are displayed as “Unrecognized” charges, but they differ from those marked as “Fraudulent” or full chargebacks in two ways: No funds are moved during an inquiry/retrieval investigation (you retain the funds), and charges are refundable during the inquiry or retrieval investigation.

 

The customer indicates that the dispute was a mistake. How do I get the dispute reversed?

If you’ve talked to your customer and they’ve agreed to drop the dispute, there are a couple of next steps. First, have your customer call their bank and let them know. This is critical since the bank won’t know your customer has dropped it unless your customer tells them.

 

Secondly, even though the customer has already agreed to withdraw the dispute through their bank, you must still submit evidence for the dispute. Your evidence should indicate to the bank that your customer wishes to drop the dispute and must include any email evidence you have where the customer may say that. If your customer had specific complaints that led to the dispute, be sure to address those in the evidence. Failing to provide evidence even though the customer agreed to drop the dispute could still result in you losing the dispute.

 

Once you’ve done those two things, we need to wait for the bank to let us know that the dispute has been closed in your favor. As soon as they do that, we will return the full amount of the charge and the associated fee to you. Do note that this process can take quite a while—it’s not unusual for us to not hear from the bank for 60-70 days after the dispute. As soon as we know that the dispute is closed in your favor we will send you an email.

 

My customer withdrew their dispute so I could provide a refund but the Refund button is crossed-out and unavailable. What should I do?

Often, customers don’t realize that the dispute process is not simply an “easy refund” - it penalizes merchants. Most merchants are more than happy to provide a regular refund if the customer asks them to. When a charge is disputed, and the customer is willing to withdraw the dispute so you can provide a normal refund, things can get rather complicated because the dispute process generally involves more than one banking entity handling the dispute.

 

Without intervention, the resolution process still takes approximately 60 days from the date evidence is due - and that’s a long wait for your customer because you can’t process a refund until the dispute is resolved in your favor! There is a way to expedite the process, but it requires very specific evidence. When a cardholder withdraws a dispute, their bank will generally do two things: re-bill their card account for the disputed amount and provide them with a formal letter/communication (it might be a paper letter, an email, or a document in their online account) indicating that the dispute case has been closed. If you can obtain a copy of this letter or clear evidence of re-billing, you may reach out to us with this information and we may be able to close the dispute before the 60-day period ends.

 

Even in cases where your customer withdraws, submitting evidence is vitally important. You should respond just as you would if the customer was not intending to withdraw, but certainly mention their intention to do so and include any correspondence you have had with your customer that indicates they will withdraw the dispute with their bank. But do respond! Evidence submission is extremely important to the dispute process and a successful resolution in your favor.

 

I lost a dispute, is there anything I can do?

We know how frustrating it is to lose a dispute, and we’re sorry to say that once a dispute has been lost, that outcome is final.

 

Disputes are decided by the cardholder’s bank, according to the bank’s process. The steps Stripe follows to help you respond to the dispute and submit evidence are rigidly defined, but the decision made by the bank can be affected by several factors, such as the cardholder’s specific complaint, the strength of your evidence, and the specific details of the charge. Often the decision on who wins a dispute comes down to a judgement call by the bank. Stripe has no way to affect this judgment call beyond submitting evidence on your behalf.

 

For this reason, it’s always best to take measures to avoid disputes. When facing a dispute, it often helps to work with the cardholder (where possible) to withdraw the dispute.