Your Account Reference Number can be found on your invoice.
Find out more hereYour Merchant Number (MID) can be found in MySagePay by following the below steps:
1. In MySagePay, select on the Transactions Tab.
2. Find a successful transaction and select the customer’s name to bring up the transaction view.
3. Select the section in the transaction labelled ‘Authorisation details’.
4. Here you’ll see the Merchant account labelled ‘Merchant number’.
To view your settled transactions:
- Navigate to the 'Transactions' tab within MySagePay
- Select 'Settlement' from the left hand navigation bar
Here you can see the batch files that have been sent for settlement
Selecting the required line will display all individual transactions within that settlement batch.
The fraud screening platform offers your business several benefits:
- Helps to avoid fraud and chargebacks by providing you with information to identify fraud before it takes place.
- Available to you as soon as your account is live within My Sage Pay with no integration required.
- Provides you with the reason behind a fraud score to aid your decision making on whether you wish to allow a transaction to proceed or reject a transaction.
Opayo’s fraud screening service provides you and your business with additional information to help prevent fraudulent activity.
When a transaction is processed through the Opayo system, the details of that individual payment are passed through to Opayo’s fraud screening service which uses adaptive behavioral analytics to identify and highlight fraud.
Our solution continually improves and adapts to new risks, analysing the details against a fraud and risk ruleset to build a risk score for each transaction.
Each transaction is provided with a fraud score and the reason behind this to aid your decision making on whether you wish to allow a transaction to proceed or reject it.
When a transaction is reviewed by the Fraud Screening system it uses the information submitted with the transaction to build the score.
Each piece of information that is submitted with the transaction is individually ran against a set of rules.
The transaction will then be provided with a score, and a risk level that you can breakdown to see the impact each indicator has had on the transaction.
To view the scores that have been provided simply log into your MySagePay. Once logged into MySagePay navigate to the 'Transactions' tab.
You will then see your transaction list along with the Fraud Screening rating. To view the scoring breakdown further you will need to select on the individual transaction followed by 'Fraud Results' tab. Once on this screen you will see the fraud screening results at the bottom of the page – you will see both a score and a rating. Selecting the rating will open the full breakdown on the screen for you.
You will then be able to see all of the rules that have been triggered for the account and you will then be able to make a decision on the transaction and what is best for your business.
All accounts set-up with Opayo are able to use the AVS and CV2 fraud checking tools.
AVS is the Address Verification Service that verifies the billing address details provided by your shopper matches the address the card is registered to.
CV2 is Card Verification Value which verifies the 3-digit security code is correct for the card used.
These fraud prevention tools offer you security on the transactions that have been processed through your account.
The ACI Fraud Management prevention system is an additional service that is available to all Opayo customers.
ReD Shield provides you with real time transactional analysis that can be used to automatically manage all transactions that are processed through your Opayo account.
The 3D Secure authentication is an additional fraud prevention scheme that is available to all companies using the Opayo system to process transactions.
It allows a consumer to prove they are the cardholder to the card issuer, typically by entering a one time password, or via biometrics (a facial or fingerprint scan etc.) or via the card issuers own risk based authentication system.
If 3D Secure authentication is successful, you will have fraud liability protection for that transaction as this liability is now passed back to the card issuer, however always check with your merchant bank to get confirmation of this.
American Express SafeKey is a fraud prevention tool that is offered to all customers who use this card type. SafeKey, like 3d Secure offers additional protection to you as a shopper and as a company.
Just like Verified by Visa and MasterCard Secure code, American Express SafeKey is there to offer password protection to shoppers who have an American Express card.
A chargeback is a claim from a Cardholder’s card issuing bank to obtain funds that have been paid to you for a transaction to be credited back to the Cardholder.
The Cardholder’s bank will usually contact your merchant bank to notify them of the chargeback claim, your bank will then get in touch with you to notify you of the chargeback and any action they expect you to take to resolve this.
Chargebacks can be raised for a number of reasons. Usually a chargeback request is raised by the Cardholder or their bank due to fraud, or a dispute with the business they have purchased from.
Every transaction that is processed through your Opayo account will be screened by your fraud prevention tools - if you have them active on your account.
This includes checks on the –
• Address
• Postcode
• CV2 (3 digit security code)
• 3D Secure
You have the ability to apply rules on your account that will either accept or reject transactions based on the results.
If the transaction does not pass the rules you have in place the transaction will not be processed, to confirm what rule the transaction has triggered you will need to check the fraud results for the transaction and then compare them with the rules you currently have active on your account.
Alongside the fraud rules that you have applied to your account there is a further, internal Opayo rule that can cause a transaction to fail.
Before any Payment, Authorise or Deferred transaction can be successfully processed through the Opayo system we must connect to the bank in order to obtain authorisation. Each transaction is allowed up to 3 attempts to connect to the bank. If a connection is unable to be established within 3 attempts the transaction will fail due to being REJECTED by the rules you have in place as the transaction exceeded more than 3 attempts to contact the bank for authorisation
To view your settled transactions:
- Navigate to the 'Transactions' tab within MySagePay
- Select 'Settlement' from the left hand navigation bar
Here you can see the batch files that have been sent for settlement
Selecting the required line will display all individual transactions within that settlement batch.
At the end of each day (around midnight) Opayo collate all transactions ready to settle into a “Batch” file, this is then sent to your merchant bank for funds to be transferred.
A batch is a collection of all of your transactions for that day, only successfully settled transactions will be given a batch number; transactions that have not settled will not be part of a batch.
You can find your settled transactions by
- Navigating to the 'Transactions' tab within MySagePay
- Selecting 'Settlement' from the left hand navigation bar
As we settle transactions after midnight each day the settlement date is the day after the original transaction/s are placed.
Your merchant bank then settle these funds into your business bank account; if you have any questions about the time it takes to receive your funds please contact your merchant bank and they will able to answer any questions you may have about this.
If you select a batch file within My Sage Pay and it contains no transactions this is the result of a failed settlement.
This means we have attempted to send the transactions to settle however an issue has occured which has prevented this from completing.
The transactions will be resent in the next batch attempt and recorded against that days total, to align with the payments made by your merchant bank. If you see an empty batch there is nothing that needs to be done by yourself.
Batch files contain transactions that share the same currency with the same merchant bank.
If you use two different merchant banks to process different types of cards such as American Express, both organizations have different files as they are separate to each other.
If you see two files of the same type one of the files will contain no transactions, this is the result of a failed settlement and we have attempted to send the transactions but this was prevented by an issue at the time. The transactions will be resent in the next batch attempt and recorded against that days total, to align with the payments made by your merchant bank. If you see an empty batch there is nothing that needs to be done by yourself.
Every time a cardholder processes a transaction through the Opayo system there are 3 steps that are completed in order for the transaction to complete.
- 3D Secure,
- Authorisation,
- Settlement.
After completing all stages, the funds for the transaction will then be moved from the cardholder bank account into your merchant account.
3D Secure only applies to ecommerce transactions (not MOTO) and must be activated on your account. Once the cardholder has submitted their card details and completed 3d Secure verification the transaction will be sent to the card issuing bank for authorisation. The bank will either approve and authorise the transaction or decline the transaction. If approved, the value of the payment will be reserved on the cardholder’s account and the funds will be taken during settlement. Once reserved, the cardholder will not be able access those funds.
To locate a specific transaction in My Sage Pay :
- Navigate to the 'Transactions' tab
- Select 'Transactions' from the left hand navigation bar.
This page will detail all transactions that have been processed through your account during the selected period of time.
You can refine the search by selecting a time or date range and filter by All Successful or Failed transactions.
If you would like to refine your search further select the advanced button which will allow you to narrow your search, there is also the option to enter the amount, last 4 digits of the card, and the vendor Tx code (your transaction reference). Along with this you can also specify the card used (Payment Type), the Transaction Type (deferred, authenticate, payment, refund), and if the transaction was processed through your website, or taken over the phone (Account Type). Once you are happy with all of the information entered select 'search' and the results will be displayed for you.
The transaction section has the ability to produce a CSV compatible spreadsheet based on the selection/range of transactions you are currently viewing; to do this select the 'Export to CSV' button at the bottom of the screen.
This will then load the report for you in excel and is ready to be either saved, or added to your own system.
If you do not want to export the report, you are able to print. To do this select the Print Friendly button, this will prepare the report to be printed for you.
A summary report allows you to view all transactions that have been processed through your account, it does not show individual transactions but provides you with an overview of the activity on your account.
To view a summary report:
- Navigate to the 'Transactions' tab
- Select 'Summary' from the left hand navigation bar.
You can refine the dates of the summary report you would like to run, once the specified date range has been entered the report will then be created for you.
Once created the summary report will provide you with a full breakdown of all transactions both successful and failed that are processed through your account. You are then able to expand each selection to obtain a complete overview of the transactions, card types, how they were processed, and the collective value of the activity on your account allowing you to identify trends on your account.
The summary reports cannot not be exported, or printed; this information is only available to you within MySagePay.
If you have not received your money from the Opayo transactions, and My Sage Pay confirms they have been settled you would first need to speak to your Merchant Bank. If your Merchant Bank has stated that settlement requires re-submitting, we require them to confirm in writing the following information to either us or you:
- The reason the settlement failed,
- Confirmation the problem has been fixed and that your merchant account can receive settlement,
- The FULL list of individual transactions that need re-submitting.
As the Merchant Bank did not inform us of settlement failure at the time, this information is required.
This process applies to refunds as well. In some occasions the Merchant Bank may temporarily remove the ability to process refunds from your account, if they have confirmed that refunds can be processed again, we need the above written confirmation before we request a re-submission. This information is required to be sent to support@opayo.io.
An Acquirer Reference Number (ARN) check is used to trace funds from a merchant bank to a customer’s bank account. To perform a ARN check please call your merchant bank and provide the following information:
- Merchant number,
- Amount of the transaction,
- Last four digits of the card used,
- Date of the transaction,
- Card holders name.
Once the merchant bank has this information they will be able to check whether they have received the specific transaction in the settlement file we have sent to them. The ARN number can then be given to the shopper to provide to their issuing bank who can use it to track the funds.
Opayo offer you a wide variety of transaction types that you can process through your account with ourselves. The transaction types that are available to you when setting up your account are:
- Payment,
- Deferred- Release - Abort,
- Authenticate - Authorise - Cancel,
- Repeat,
- Refund,
- Void.
Each of the types differ in the way they process transactions through your account.
A Payment is the standard transaction type that is processed through our systems.
When the card information is captured on the payment pages, and the payment has been passed through to the bank for authorisation, a payment will simply automatically send the transaction for settlement at the end of each working day.
A payment requires no action from you in order to receive the funds into your account, once the payment has been processed successfully the funds will be moved into your account.
The Deferred – Release – Abort transaction type is a 2 step process for accepting a transaction through your account.
Step 1 - Deferred
The Deferred transaction when captured is sent to the bank for authorisation and will then allow you to take the funds within the 30 days.
Step 2 - Release
In order to receive the funds for a Deferred transaction, you must Release this either remotely, or through your My Sage Pay admin area. Releasing the transaction instructs us to send the transaction for settlement at the end of the day. If you do not want to process the release you can Abort this which will prevent any funds from being taken from your Cardholder’s account.
The Deferred – Release – Abort transaction type is commonly used when your business prefers to take the transaction prior to accepting the funds. Made to order goods businesses use this transaction type to good effect. If you want this setup on your account please send an email from the registered billing contact email address on your account to support@opayo.io.
An Authenticate – Authorise – Cancel transaction is a 2 step process for accepting transactions through your Opayo account.
Step 1 - Authenticate
This transaction type allows you to register the cardholder’s details with ourselves and store the transaction for 90 days before taking the funds. Unlike the deferred transaction type, an Authenticate simply registers the transaction with ourselves and does not contact the bank for authorisation.
Step 2 - Authorise
Once you're ready to take the funds from your Cardholder’s account you can then perform an Authorise. An Authorise submits the transaction on your account to the bank to obtain authorisation. You can perform an Authorise in 2 ways, either manually completing an Authorise within your My Sage Pay, or remotely through your own system.
As there is no contact with the bank when the authenticate transaction is processed you are able to store the transaction for far longer than you are able with the deferred transaction type. If you want this setup on your account please send an email from the registered billing contact email address on your account to support@opayo.io.
The Repeat transaction type allows you to take multiple payments from your Cardholder’s account without having to capture the card details each time. Repeating allows you to specify an amount that you need to charge the cardholder and this can differ from the original amount.
In order to be able to use the Repeat transaction type you are first required to get a Continuous Authority merchant account facility from your merchant bank.
To inform us if you need for this payment type on your account please send an email from the registered billing contact email address on your account to support@opayo.io.
A Refund allows you to credit the funds that have already been taken for a transaction, back to your Cardholder.
Refunds can be completed up to 2 years after the original transaction has been processed, or until the card has expired; you are only able to credit your Cardholder the total of the original transaction, and no more.
To complete a Refund you can either process this through My Sage Pay, or through your own back office system.
The Void transaction type allows you to cancel any payments, released Deferred, authorized Authenticated transactions and Refunds.
Once a transaction has been processed through our system and authorised the transaction will be sent to the bank for settlement.
A Void allows you to prevent any transaction from being settled through our system, and the funds moving from your cardholders account to your own. Or in the case of a refund, from your account back to your Cardholder.