Before you can start to process transactions through our systems you must first obtain a merchant number. We are online payment gateway who provide a secure link between your website and bank. We capture, and carry sensitive information from your shoppers in a secure manner.
A merchant number is required to allow you to accept any transactions through your account. The merchant number is used to process the transactions through your merchant bank and enables the funds to be moved from your shoppers to your own account.
There are 3 different types of merchant number that can be used with our system, for more information you can check out the different types of merchant accounts . Without a merchant number you are not able to use our system, nor are you able to process any transactions through your website.
You can either apply for a merchant number through your own bank, or apply for a merchant account using our own Merchant Account Services.
From time to time we understand that you may change the merchant number on your account.
If you would like to make any changes to the merchant numbers on your account we are able to help you with this.
Once you have been issued with your new merchant number you will need to provide this to us to make the changes on your account.
Now you have your new merchant number, and you are ready to make this change you will simply need to send the new details through to us.
Firstly you will need to complete the merchant number change form and send this to us at firstname.lastname@example.org.
The form you need to complete depends on who your acquirer is. If you’re acquirer is Barclays we’ll need some additional details, you can find a copy of the Barclays merchant services merchant number change form here. If you’re with a different acquirer you can find a copy of our merchant number change form here.
We will then remove the current merchant number that is on your account, and replace it with the new number you have provided.
The details of the new merchant number will then be sent to your merchant bank to be confirmed.
After you have sent your new merchant number to us for the change, we will then remove the current merchant number that is on your account, and replace it with the new number you have provided.
This will first take place on your Opayo test account. This is so the details can be added onto our system, and then submitted to the bank for confirmation.
Once confirmation has been received from the banks, we will then be able to add the merchant number onto your live account.
Once the merchant number on your account has been changed, we must wait for the confirmation from the bank before we can add the new merchant number onto your live account.
The confirmation from the bank can take up to 5 working days.
After we have received the confirmation on the merchant number we will be able to add this onto your live account.
From the first request to change the merchant number, to adding this onto your account can take up to 10 days depending on the response times from your merchant bank.
If your merchant number provider is Elavon Merchant Services then you can expect us to have your merchant number Live and ready to use within a much shorter time range (1 to 3 days).
When requesting a change to the merchant number on your account it is important to remember the following:
For security purposes the request to make the addition on your Opayo account must be sent from the listed billing contact on your account.
The billing contact is the registered e-mail that was added to your account when you first set-up with us.
Keep your current merchant number active:
As changes to the merchant number on your account can take up to 10 days depending on the response times from your merchant bank, you will need to keep your current merchant number active until we have confirmed the change. If you close your current merchant number your account may not be able to process transaction until the change has been made successfully.
If you process E-commerce transactions on your Opayo account each merchant number must be set-up with 3-D Secure individually and this can take up to 15 working days to complete.
You will not be able to take transactions on the merchant number until we have had the neccesary response from your merchant bank.
If you change acquirer then any recurring or repeat transactions you had with your previous merchant bank will most likely fail due to the unique bank trace ID given to those transactions. For these transactions you will need to use the Token for the first time as a CIT to capture the necessary 3DS / CV2 values and receive the CSD back on the new merchant number.
When using Opayo to process your transactions you may want to add another merchant number to your account.
Common reasons for adding merchant numbers are:
Adding more currencies to your account.
You want to accept e-commerce, MOTO and continuous authority through your account.
We can help with adding the new details to your account
After you have spoken to your merchant bank, and obtained your new merchant number you will need to send this onto us.
When sending the new merchant number you will need to complete the merchant number addition form and e-mail this to email@example.com.
The form you need to complete depends on who your acquirer is. If you’re acquirer is Barclays we’ll need some additional details, you can find a copy of the Barclays merchant services merchant number addition form here. If you’re with a different acquirer you can find a copy of our merchant number change form here.
We will also need you to send this request from the listed billing contact on your account.
We always ask that any changes to your account are sent from the billing contact for security.
Also as we are making changes to your account that can impact the cash flow and the destination of funds for your account that the person listed as responsible for the account requests this.
When adding the merchant number on your account this normally takes between 3-5 days, but can be longer depending on the response times of your merchant bank, to be fully active.
If we encounter any problems with your merchant account, or the number you have provided the timescales can change.
Once we have made the addition, and the new merchant number has been added onto your account we will send you an e-mail to confirm this has been done.
You will then be able to process transactions through your account using the new merchant number.
Your merchant bank will provide you with a statement with the activity on the account, or the charges for the month.
Almost all communication you receive from your merchant bank will include your merchant number.
Similar to the above your merchant bank have issued you with the merchant account so the details will be available on their platform.
Within your MyOpayo area you will be able to locate the merchant number that has been used for each transaction.
Simply log into your MyOpayo account and select the transactions tab, click on any transaction to load the transaction detail screen.
Once here select the authorisation details tab and your merchant number will be displayed here.
If you are still having difficulty obtaining your merchant account please contact your merchant bank directly, they will then be able to provide you with the information you require.
Please remember that we cannot provide you with your merchant number.
Every time a shopper processes a transaction through the Opayo system there are 3 steps that are completed in order for the transaction to complete.
After completing all stages the funds for the transaction will then be moved from the shoppers bank account into your merchant account.
A change of merchant number will prevent 3D-Secure checks from being carried out on your account.
Each merchant number must be set up with 3-D Secure individually and this can take up to 15 working days to complete.
When requesting the merchant number change, you will need to also specify on your request that 3-D Secure will need to be added to the new number. This will then delay the change of your merchant account until 3-D Secure has been confirmed.
For more information on 3-D Secure please click here.
Once the shopper has submitted their card details, and completed 3-D Secure the transaction will be sent to the bank for authorisation.
The bank will either approve and authorise the transaction, or decline this. If approved, the value of the payment will be reserved on the shoppers account. The funds will be able to be taken during settlement.
Once reserved, the shopper will not be able to spend those funds elsewhere.
At the end of each day, we will collate all transactions on your account that have been authorised for that day. We will then submit these transactions to the bank during settlement.
This will include the authorisation codes for all transactions processed through your account for the day and will result in the funds being moved from the shoppers account into your own.
It will take approximately 3-4 days for the funds to appear into your account, however this is dependent on the agreement that is in place with your bank when you applied for your merchant number.
If you would like to add more currencies to your account you will first need to speak with your merchant bank.
Your merchant bank will either:
We will then be able to help getting the additional currencies available on your account.
If you would like to accept multiple currencies you must first speak with your merchant bank.
Your merchant bank will either issue you with additional merchant numbers to support the additional currencies you are able to accept, or confirm the currencies your current merchant number is able to accept.
You will then be able to supply the new merchant number through to us following the merchant number addition process or confirm to us via e-mail of the currencies that can be accepted on your current merchant number.
If you want to know more check out our merchant banks and Opayo page.
If your bank have issued you with a new merchant number for the additional currency we will need you to complete a merchant number addition form and send this to us.
You will need to give us the details of the new merchant number, the currency you would like adding, and the account it is to be added onto.
We will then be able to add this to your account and send the request off to your bank to be confirmed.
When adding new currencies onto accounts this normally takes between 3-5 working days to be fully active, but can be longer depending on the response times of your merchant bank.
If we encounter any problems with your merchant account, or the currency you have selected the timescales can change.
Once we have made the change, and the new currency has been added onto your account we will send you an e-mail to confirm this has been done.
You will then be able to process transactions through your account using the new currency.
The first thing you will need to do is speak with your merchant bank to determine what is needed. Your bank will be able to confirm if you are able to use the merchant number over multiple sites, or whether a new merchant number is required.
We are able to support the use of the same merchant number on multiple accounts or websites.
Once you have received the confirmation from your bank that merchant number can be used across multiple websites you are able to either integrate this with your current Opayo account, or set-up another account with ourselves using the same merchant account details.
(Sole trader, or partnership with 3 or less partners)
(All other customers)
(Opayo gateway only)