FAQs

XPressProcessing.com frequently asked questions, all gathered nicely in one place
/FAQs

Introductory FAQs

How do I sign up to XPress Processing and how long will this take?

Signing up for an account with XPress Processing is quick and easy, and can have you up and processing within 1-2 business days – once all documentation has been received. To sign-up for an account, please fill in the online merchant application form and a member of our staff will contact you shortly. Alternatively, you can send an email with your business and processing details to [email protected] or call us on +1 (877) 327-8840.

What payment types can I accept with XPress Processing?

XPress Processing merchants can accept payments via eCheck, ACH, Credit Card and Debit Card.

How do I integrate with XPress Processing?

XPress Processing’s dedicated technical support team will help you integrate with our payment system. You will have access to XPress Processing API documentation once your account has been approved for processing. You will integrate XPress Processing payment gateway, with your existing shopping cart or payment page.

Can I be located anywhere in the world?

Yes. XPress Processing processes for low and high-risk merchants from anywhere in the world, offering onshore, offshore and global merchant accounts.

What rates does XPress Processing charge?

XPress Processing uses a unique algorithm to set the lowest possible rates for its high and low-risk merchants.

By assessing your business profile, which takes into account your industry, credit history, processing volumes and location, XPress Processing can provide you with a competitive industry rate, specific to your business.

For more information on XPress Processing’s rates, please visit the rates page on our website or complete an online enquiry form for an obligation free rates quote

What industries does XPress Processing process for?

XPress Processing processes for high and low risk merchants from almost every industry and location worldwide. To see if XPress Processing can process for your business, please contact us today for an obligation free processing assessment.

Does XPress Processing accept high-risk merchants?

Yes. XPress Processing provides premium online processing services to high-risk merchants worldwide. With global banking relationships, sophisticated fraud controls and no stringent processing volume restrictions, XPress Processing is the first choice for high-risk merchants, no matter where they are in the world. For more information about our dedicated high-risk merchant accounts, please click here.

Does XPress Processing enforce volume processing restrictions?

No, XPress Processing does not enforce volume processing restrictions, however some acquiring banks do have set processing guidelines. XPress Processing will work with your business to develop a processing agreement which suits your volume needs, and try to replace volume restrictions (where possible) with routine security checks if your business has a high monthly turn-over.

How do I track my online payments with XPress Processing?

Every merchant receives a secure online account that provides multiple functionality and detailed reporting of all processing and sales statistics. With a Virtual Terminal, full transaction listings, search functionality, in-depth reporting and more, the XPress Processing online account helps merchants manage their growth, revenue and ongoing business success.

How often will XPress Processing pay me?

XPress Processing pays its merchants via a weekly payment cycle, providing settlement by Friday of each week. This convenient payment cycle is also offered to Referral Agents and affiliates to assure the settlement of funds in a timely and professional manner. Settlement payments will be made to the Referral Agent’s Settlement Account Details set out in Appendix “B”.

How will I get paid?

XPressProcessing.com supports global payment solutions. We currently offer two solutions:

  • XPress Processing can send funds to you via global/domestic bank wire
  • Payments can also be transferred to you via our eWallet solution

We are capable of sending funds globally as long as the country of payment is not on the ‘OFAC’ Watch List.

OFAC: The Office of Foreign Assets Control (OFAC) of the US Department of the Treasury administers and enforces economic and trade sanctions based on US foreign policy and national security goals against targeted foreign countries and regimes, terrorists, global narcotics traffickers, those engaged in activities related to the proliferation of weapons of mass destruction, and other threats to the national security, foreign policy or economy of the United States.

What are the hours of operation for processing orders?

Our Office hours of operation are M-TH 9:00 am- 7:00pm EST & Friday 9:00am-6:00pm EST. keep in mind; you are able to submit transactions in our Evolution Gateway 24/7

Accounting Department FAQs

What are the hours of operation for the Accounting Department?

Our Accounting Department Dept. hours of operation are M-TH 9:00 am- 7:00pm EST & Friday 9:00am-6:00pm EST.

What is the phone number for the Accounting Department?

The Accounting Department Dept. communicates by email only. They cannot be reached by phone.

What is your email address?

Our email address for the Accounting Department is [email protected].

What is the payout cycle?

Our processing weeks and merchant reports run from Sunday-Saturday. All Merchant payouts are completed on Fridays. Merchants will receive an email weekly to notify them once the funds have been wired and are available to the Merchant.

In regards to eCheck (Check21) processing accounts, we will hold the first week’s processing in the arrears. Thereafter you will receive your payouts weekly.

In regards to Credit Card processing accounts, the first week’s processing will be held in the arrears. The arrears time will depend on the bank that approves your account (on average 4-5 weeks). Thereafter you will receive your payouts weekly.

How will I receive my settlement payouts?

XPressProcessing.com has partnered up with TruCa$h as our settlement payout option. TruCa$h offers an electronic wallet program that allows fund transfers with no minimum dollar amount required, unlike traditional bank wires that require a minimum dollar amount of $2000. TruCa$h works well for both large and small volume Merchants to receive their settlement payouts weekly. We will wire your weekly payouts to your TruCa$h e-wallet. Your e-wallet will also be attached to a TruCa$h prepaid debit card. The debit card will have a Visa/Mc logo and can be used just like a bank debit card. You have the ability to withdraw the funds from with your debit card at any ATM or use the card to make purchases worldwide anywhere Visa/MC is accepted.

What is the TruCa$h Wallet and Debit Card?

XPressProcessing.com uses the TruCa$h Wallet as our settlement option. TruCa$h Wallet is an electronic wallet that is set up for you to receive your settlement payouts. You will fill out the TruCash Wallet application with your company details. After we receive your completed TruCa$h Wallet Application, we will mail/ship you a TruCa$h debit card that will be attached to the wallet. The debit card will have a Visa/Mc logo and can be used just like a bank debit card. Our Accounting Department will provide you with tracking information and instructions on how to activate your card. Once the wallet and debit card are activated, you are ready to receive your scheduled settlement payouts. Each week as you receive your funds on the card you have the ability to withdraw the funds from with your debit card at any ATM or use the card to make purchases worldwide anywhere Visa/MC is accepted.

Does the TruCa$h Wallet Application have to be completed and signed by the Owner, or can the manager do it?

The TruCa$h Wallet Application must be completed by the Owner of the company. Also, all required documents needed for the application must be of the Owner and must also include the Company’s name.

What documents are required to be submitted for my TruCa$h Wallet?

TruCa$h requires the following documents when applying for an e-wallet and card setup:

  • Letter of Good Standing on Bank Letterhead OR Voided Check.
  • Proof of Domain.
  • Recent Utility Bill for the Principal.

How do I activate the TruCa$h debit card?

Once we receive your completed TruCa$h application, the Accounting Dept. will mail/ship your debit card. You will receive an email with tracking information and instructions on how to activate your TruCa$h debit card.

How will I know my TruCa$h card has been successfully activated?

Once you have received your card in the mail, you will be instructed to contact our Accounting Controller via email. She will then activate your card. Once activated you will receive a confirmation email that this has been done. When you receive the email stating your card has been activated, you will be ready to receive your payouts weekly as scheduled.

Can I transfer my funds from my TruCa$h debit card to my bank account?

The TruCa$h debit card is not able to transfer funds from the card to your bank account because it is a prepaid card. However, after the funds have been loaded to your debit card, you are able to access the funds in the following ways:

  • Withdraw funds at any ATM.
  • Withdraw funds at bank through the Bank Teller.
  • Make purchases with the card anywhere Visa/MC is accepted.

How will I know the balance on my TruCa$h debit card?

You will have access to the balance of your debit card by logging into your e-wallet account.

I still haven’t received my email from the Accounting Department that my payout has been wired and it is Friday, 5:00pm EST. What is going on?

Merchant Payouts are completed on Fridays. Accounting Department services hundreds of merchants, we get to our merchants needs and requests in a timely manner.

I just received an email that my funds were loaded to my TruCa$h debit card. How long does it take for the funds to be available on my card?

Once the funds are loaded to your debit card there is no waiting period for them to be available. The funds loaded to your debit card are available to use immediately.

Why am I charged a $60.00 wire fee weekly when I have the TruCa$h Wallet solution?

Our Bank requires a $60.00 wire fee to transfer your funds to the TruCa$h Wallet. You are only charged this when funds are sent to your wallet.

Why is my eCheck processing account being charged $35.00 every week for a maintenance fee?

All Technical Support and Web Development merchants are charged a monthly maintenance fee of $150.00 per month which is set by the Bank due to your high risk industry. For your convenience, we break the amount down to $35.00 per week and it is deducted directly from your weekly settlement payout.

The monthly maintenance fee is consistent each week, regardless if the Merchant does not process, the fee will still be deducted.

When will I receive my Rolling Reserve?

Rolling Reserves are released 180 days after your first processing date. Our Bank is the holder of your Reserves. Once you have reached the 180 days of processing, we will reconcile your Ledger Balance with our Bank’s Ledger Balance. Once the audit is completed, we will inform you via email.

What is a Summary Report?

A Summary Report is all of the transactions and dollar amounts accumulated in a processing week. These reports are automatically emailed to all merchants every Sunday.

What is a Summary & Detail Report?

A Summary & Detail Report consists of 2 Reports in 1. The summary is all of the transactions and dollar amounts accumulated in a processing week. A detail report shows the breakdown of each transaction from the summary. It will include: customer names, check number (transaction ID number), check date, transaction status (approved, declined, returned, NSF, or refunded), and the check amount. This report is great for merchants with a large processing volume. It is designed to assist with the monitoring and tracking of their individual customers and transactions. This report is only generated upon request of the Merchant and will include a small Accounting Department fee.

How do I read and understand the fees implemented on my weekly Summary Report?

The following is a breakdown and explanation of the fees that are implemented on a weekly Summary Report:

  • Item Fee: This fee is applied for each Approved Transaction submitted to the Gateway.
  • Transaction Fee: This is your MDR (Merchant Discount Rate) applied to each approved transaction.
  • Gateway Fee: This fee is applied to every transaction.
  • Fraud Scrub Fee: The fee that is applied to scrub each transaction to prevent fraud before it comes through our Gateway.
  • Bank Verification Fee: This fee is applied to every transaction by our Bank.
  • Decline Fee: This fee is applied to each Declined Transaction.
  • Return Fee: This fee is what the bank charges for Returned checks.
  • Return Principle: The dollar amounts of the transaction(s) that was returned.
  • NSF Fee: This fee is what the Bank charges for checks that are returned for Non-Sufficient Funds.
  • NSF Principle: The dollar amounts of the transaction(s) that was returned for Non-Sufficient Funds.
  • Refund Fee: This fee is what the Bank charges for refunds.
  • Refund Principle: The dollar amounts of the transaction(s) that was refunded.
  • Accounting Department Fee: This fee is applied to Merchants that have requested to receive a Detail Report

How does XPressProcessing.com handle Refunds?

When a Refund is requested, we require the customer to send either the bank statement showing the dollar amount that was charged for the transaction deducted OR an image of the check that cleared in their bank account. This is to show proof that the eCheck cleared and that the customer will not dispute the charge with their bank.

The refund will be issued electronically via ACH credit to the same checking account that was used to initially make the purchase. Once the refund is issued to the customer, it can take approximately 5-7 business days for the funds to return to the customer’s bank account.

If you have a refund request, please email [email protected] and our Refund Department will contact the customer for the required documentation to issue the refund.

What is the payout cycle for Referral Agents?

Referral Agents, like all Merchants, will have their first week commissions held in the arrears. Thereafter you will receive your payouts weekly, as long as the fund’s total a positive amount after all fees and deductions are taken.

Do I receive commission for each transaction submitted for processing by the Merchants boarded under my agent account or are there stipulations?

As a Referral Agent, you will receive commission on all approved transactions submitted by the Merchants boarded under your account. You will not receive commission on declined, refunded, or returned transactions.

What is the payout cycle for a White Label?

Weekly you will receive the accumulated net payout of your merchants processing funds via bank wire. It is then the responsibility of you, the White Label, to pay your Merchants their settlement payouts.

Will I receive one Summary Report or will the Accounting Department separate it by each of my Sub-Merchants accounts?

All White Label accounts will receive a weekly Master Summary which will be an accumulated total of all their Sub-Merchants combined volume and total net payout. Also, you will receive a separate Summary report for each Sub- Merchant individually which will include volume, fees, deductions and total net payout amounts.

Does XPress Processing hold a reserve on processed funds? Why is this?

Yes. Like all secure payment processors, XPress Processing maintains a minimal processing reserve to help protect your business.

A rolling reserve is a percentage of your overall online processing volume which is held in a secure account by XPress Processing before being released to your business. Rolling reserves or ‘holdbacks’ are common practice across the online processing industry, as they provide security for both the online merchant and payment processing company.

The intention of the rolling reserve is to cover any potential liabilities which can occur in online trading. If your business contravenes legal regulations or engages in fraudulent activity leading to multiple chargebacks, the rolling reserve is available to cover these costs.

XPress Processing holds a 6 month 10% rolling reserve for each of its merchants. Every month, 10% of your processing volume will be held in a secure holding account. After 6 months, you will be refunded your reserves on a month by month basis. This means that on your seventh month of processing, you will receive your first months 10% rolling reserve, and on the eight month you will receive your second months 10% rolling reserve. This will continue for the lifetime of your merchant account with XPress Processing.

Risk and Compliance Department FAQs

What are the hours of operation for the Risk and Compliance Department?

Our Risk and Compliance Department hours of operation are M-TH 9:00 am- 7:00pm EST & Friday 9:00am-6:00pm EST.

What is your toll free number?

Our toll free number is 1- 855- 403-3855.

What is your email address?

Our email addresses for the Risk and Compliance Department are [email protected]

Can we communicate with you on Skype?

Yes, all Merchants will be provided with the Skype addresses of all available employees at XPressProcessing.com that can help with processing needs and inquires. You will find this information with your approval for boarding email labeled “Welcome Letter”.

How do I change my account login password?

If you want to change your logins, you must send your request in writing via email to the Risk and Compliance Dept. requesting the login change along with the reason for the change.

When trying to log in, I keep getting the message “account blocked”?

This is most likely due to too many logs in attempts with the wrong password. Contact the Risk and Compliance Department and they will unblock your account.

Are the rates that the banks have quoted negotiable?

Once you have established a good standing processing relationship for a minimum of 6 months with XPressProcessing.com, your account will be reviewed by our banks and us to consider any changes in rates. The return ratio must be under 2% for our banks and us to consider a review of your account.

Does XPressProcessing.com offer auto approve as an alternative for live verification calls for eChecks?

Eligibility for auto approve is determined on a case by case basis. Once you have established an excellent processing history with XPressProcessing.com and our banks for a minimum of 6 months, we will then visit the option of auto approve for your trusted customers only.

A trusted customer is a repeat customer with you that has no chargebacks, NSFs or returns and a minimum of 3-4 approved transactions with you for 1 year or more. Trusted customers will be determined between both the Merchant and Risk and Compliance Dept.

I just received an email requesting I complete an application for a TruCa$h e-wallet. What is this wallet for?

TruCa$h e-wallet is an electronic wallet that is set up for you to receive your settlement payouts. You will complete the application and send the requested documents and then you will be setup with your wallet. There will also be a TruCa$h Visa/Mc debit card attached to this wallet. Once your wallet and debit card are activated you are ready to receive your scheduled settlement payouts. As you receive your weekly payouts in the wallet, you will then have the ability to withdraw the funds from with your debit card at any ATM or use the card to make purchases worldwide anywhere Visa/ MC is accepted.

What is the payout frequency?

In regards to eCheck (Check21) processing accounts, we will hold the first week’s processing in the arrears. Thereafter, you will receive your payouts weekly. With Credit Card processing accounts, the arrears time will depend on the bank that approves your account (on average 4-5 weeks). Thereafter you will receive your payouts weekly.

What options do I have to submit transactions to XPressProcessing.com?

XPressProcessing.com offers two simple ways to post eCheck transactions:

  • Virtual Terminal: Merchant has a payment page via XPress Processing backend, where they submit a transaction manually by entering the customer’s payment information.
  • Application Programming Interface (API): The API is designed for ecommerce businesses. So you can integrate your existing payment system directly with our gateway allowing your customer to submit transactions electronically. Our easy Integration allows merchants of all sizes to easily connect to XPressProcessing.com Payment Gateway.

Where is the API Merchant Integration Manual found?

The API Merchant Integration Manual is found in the backend of the gateway. Once you log in to the backend, look to the top left of the screen and click the tab labeled “Dashboard”. Under the Dashboard drop down, you will then click “API Information”. It will then instruct you to download the manual.

Does XPressProcessing.com assist with the integration process?

No, by law, the Merchant and the Merchant’s IT team are responsible for the integration process with XPressProcessing.com Gateway. XPressProcessing.com Risk and Compliance Dept. will do our best in assisting to answer any questions in regards to integrating, but we cannot do the integration for you.

Why am I getting an error code D1 when I am trying to integrate with API?

The error code D1 means either the caller didn’t provide the correct API key or that the API key assigned with the merchant is not properly activated.

Can I use Virtual Terminal (VT) to start submitting transactions while I am waiting on the API Integration to be complete?

Yes, you are more than welcome to use VT while waiting for your integration to be completed.

How do I submit my test transaction after integration?

Please refer to the email you received labeled “Welcome Letter” and use the data provided in the blue to submit your test transaction. If the test transaction was successful, you will receive a confirmation email stating that the test transaction was submitted successfully and that you may proceed with live transactions.

How will I know the status of my customer’s transactions after I submit them to the Gateway for processing?

XPressProcessing.com’s proprietary reporting interface provides you with real time information for all of your processing activity. You will have the ability to log in to your own backend interface to monitor your transactions statistics 24/7. You will also receive automated “status change” emails for all transactions.

I offered a 2-year service agreement to my customer for technical support services; can I submit this transaction to XPressProcessing.com to process?

No, it is a requirement that ALL merchants offering service subscriptions agree to a maximum service term of 6 months.

Merchants with a significant processing history that present well, we are able to consider the extended (1 yr. max) service terms once we have approved you and have processed your sales directly for an indefinite probationary period (min 3 months).

Merchant website that still features the annual support plan will be fine if they have another way to accept these payments, but we won’t process these orders via Credit Card or eCheck.

Can I process Canadian customers through my Echeck (Check21) account?

eCheck (Check21) is only available for processing for your US based customers.

What is required to become a Referral Agent with XPressProcessing.com?

The steps to becoming a Referral Agent are quite simple. You must fill out our online application. The documents required to submit are the completed referral agent registration form and a copy of your Photo ID or Passport. All approved Referral Agents receive logins to XPressProcessing.com to board their Merchants.

What does a Referral Agent do?

A Referral Agent brings aboard Merchants to process transactions with XPressProcessing.com and in turn receives a commission for every approved transaction from their merchant they have brought aboard.

What options do I have for boarding clients under my Referral Agent account?

XPressProcessing.com will provide all Referral Agents with their own unique application URL to provide to your clients to use when applying for a processing account with XPressProcessing.com. This unique URL is found in your backend. When your client uses this link to complete their application, it will automatically link them under your account. The unique URL is preferred by most agents.

Another option to board your clients is by doing it yourself manually. To do this you will go to your backend and click “Add Client”.  An application will come up and you will then manually fill out the application for your client.

How do I get paid as a Referral Agent?

As Referral Agent with XPressProcessing.com, you will earn a percentage (% rate is determined upon the approval of your account) of your client’s weekly approved processing volume. You will also earn a dollar amount (determined upon the approval of your account) for each approved transaction submitted by your clients. All Referral Agents will receive their settlement payouts weekly.

What are the supporting documents that I must submit to XPressProcessing.com on the behalf of my clients during their application process?

The list of supporting documents and website requirements for application process at XPressProcessing.com are as follows:

Supporting Documents:

  • Certificate of Incorporation/Commercial Register Excerpt
  • Legible Color Copy of Principal’s Passport/Identity Card
  • Proof of Principal’s Residence (utility bill or council rates)
  • General Terms and Conditions (must be in hard copy form)
  • Refund and Cancellation Policy (must be in hard copy form)
  • Voided check from Depository Account OR Letter of Good Standing on Bank’s Letterhead
  • Min 3 Months most recent processing statements
  • IF MERCHANT SELLS TANGIBLES: copy of fulfillment and supplier agreement required

Website Requirements:

  • Toll Free 800 Number DISPLAYED ON WEBSITE
  • SSL Certificate for company website & payment page
    **BY LAW**

These documents must be sent to XPressProcessing.com Risk Department: [email protected]

What is a White Label Account?

A payment processor integrates their existing payment gateway with XPressProcessing.com gateway. The White Label boards merchants who process transactions through the White Label’s gateway. The merchants do not know that XPressProcessing.com is the payment processor. XPressProcessing.com provides a set rate for the White Label and the White Label then quotes rates to their merchants. XPressProcessing.com does not communicate with the White Label’s merchants at all.

Is there an account set up fee for a White Label account?

Yes, this fee as well as all other rates and fees will be determined during the underwriting process. XPressProcessing.com works on a case by case basis to get the best rates with our banks for your unique business needs and requirements.

What is required to become a White Label with XPressProcessing.com?

Once we receive the completed online application the following documents are required:

Supporting Documents:

  • Proof of Domain Ownership
  • Certificate of Incorporation/Commercial Register Excerpt
  • Legible Color Copy of Principal’s Passport/Identity Card
  • Proof of Principal’s Residence (utility bill or council rates)
  • General Terms and Conditions (must be in hard copy form)
  • Refund and Cancellation Policy (must be in hard copy form)
  • Voided check from Depository Account OR Letter of Good Standing on Bank’s Letterhead
  • Min 3 Months most recent processing statements

Website Requirements:

  • Toll Free 800 Number DISPLAYED ON WEBSITE
  • SSL Certificate for company website & payment page
    **BY LAW**

These documents must be sent to XPressProcessing.com Risk Department: [email protected]

How does the payout cycle work for a White Label Account?

The payout cycle with XPressProcessing.com is done on a weekly basis. Our processing weeks run from Sunday-Saturday. Weekly you will receive the accumulated lump sum of your merchants processing funds via bank wire. It is then the responsibility of you, the White Label, to pay your merchants settlement payouts directly.

Does XPress Processing protect my business against fraud?

Yes. XPress Processing employs a sophisticated security and fraud minimization system to successfully reduce fraudulent and invalid transactions. With a team of dedicated security specialists, superior velocity controls, credit card and IP suppression lists, customizable ticket value, manual verification abilities and more, XPress Processing provides leading fraud protection to its merchants, ensuring the highest number of approved transactions in a secure, real time environment.

Is XPress Processing Level 1 PCI DSS Compliant?

Yes, XPress Processing is Level 1 PCI DSS Compliant and adheres to all payment card and security standards to ensure maximum security for merchants and their cardholders.

Verification Department FAQs

What are the hours of operation for processing orders?

Our Verification Department hours of operation are M-TH 9:00 am- 7:00pm EST & Friday 9:00am-6:00pm EST. keep in mind; you are able to submit transactions in our Evolution Gateway 24/7

What is your toll free number?

Our toll free number is 1 (877) 327-8840.

What is your fax number?

Our fax number is 1 (216) 352-4267.

What is your email address?

Our email address for XPressProcessing.com Verification Department is [email protected].

What is the descriptor that will show up on my bank statement after an eCheck is processed?

After an eCheck payment is processed with XPressProcessing.com, it will show up on the bank statement under JBI/Paymonex.

How long will it take for an eCheck to post to my bank account?

Once you have confirmed your order with our Verification team, please allow 2-3 days for the check to clear out of your account, make sure those funds do stay available.

What is a DocuSign?

A DocuSign is a payment agreement that you will receive via email as part of our verification process, here at XPressProcessing.com. It confirms that you agree to pay the dollar amount and services that you have received on your computer and/or device.

When am I required to send a copy of my ID to XPressProcessing.com in order to get my order verified?

Here at XPressProcessing.com, if an order has a dollar amount totaling $500.00 or more, it is our company policy to require the customer to send proof of their identification. This is for security purposes and is to help prevent fraudulent charges on our customer’s accounts. Once a customer sends this ID proof we will keep it on file for any future orders and they will not be required to send it again.

What type of documents do you accept to prove my identification?

The documents we accept to prove identity are any of the following: picture ID card, driver’s license, or passport.

How do I submit my proof of identification to the Verification Department to complete my order?

You can send your proof of identification by faxing us at 1 (216) 352-4267; email us at [email protected].

When am I required to send both a copy of my ID and Proof of Funds to XPressProcessing.com in order to get my order verified?

Here at XPressProcessing.com, if an order has a dollar amount totaling $1000.00 or more, it is our company policy to require the customer to send both proof of their ID and POF (proof of funds). This is for security purposes and is to help prevent fraudulent charges, overdrafts and returned checks on our customer’s accounts. Once a customer sends this ID proof we will keep it on file for any future orders and they will not be required to send it again, but any future orders placed that exceed $1000.00 will be required to send in a current POF (proof of funds).

What do I need to send to show my POF (proof of funds) in order for my order to be processed?

In order to show POF (proof of funds), we require you to send a current bank statement (no older than 30 days) with your name, last 4 digits of your checking account number, today’s date and the available balance in the account to cover the amount of the transaction. Please note that the account balance on the statement must show a minimum amount of at least $500.00 over the dollar amount of the order being processed.

What process does XPressProcessing.com use to verify my customer’s transaction?

XPressProcessing.com utilizes an in-house, live Verifications Department. When a transaction/order is submitted to be processed, within seconds it is scrubbed by the internal nationwide scrubbing data system that checks for negative bank account data. If the system does not detect any negative data on the bank account, it is passed into the “pending” status. From there, the Verifications Department calls the customer to confirm the validity of the order. Once all is verified, the customer’s bank is called to verify the name on the account matches, the account is open and valid, and the funds are currently available for the eCheck to successfully debit the customer’s account.

This verification process takes place in real time, approximately 1-2 minutes to complete, in the order the transaction was received. In some cases, a DocuSign is sent for the customer to complete. Once the DocuSign is returned to us completed by the customer; we then make a final call to confirm that the customer was the signer of the completed document. If your company is required to include this DocuSign step for Verification calls, the Merchant will be notified of this step upon the boarding of your Processing account. You might wonder, why such a thorough process? These steps are taken to prevent the risk of a “Returned Check.”

Instead of pushing the transactions automatically through to the customer’s bank, our Verification process reduces the chance of a NSF, Stop Payment, Not Authorized payment, etc. It also minimizes the chance of fraudulent activity on a customer’s checking account. This process not only will benefit your business by reducing the chance of a “Returned Check”, but it will also give reassurance to your customers, that they are safe and secure when making payments via eCheck.

How many times does the Verification Department attempt to contact my customer to verify the transaction?

The number of times the Verification Department attempts to contact customers to verify their transactions are as follows:

  • If your customer is a repeat customer with and the number provided is a wrong number or disconnected we will attempt to contact them 3 times, after the 3rd time we decline the order.
  • If your customer does not have a voice mail for us to leave a message we will attempt to call them 3 times, after the 3rd time we decline the order.
  • If your customer is NOT a repeat customer and DOES have a voice mail set up, we will attempt to contact your customer 6 times, after the 6th time with no response, we will decline the order.

Why does the transaction I submitted show as “declined”?

There are several reasons that a transaction declines. Here are the most common:

  • Customer refused to verify and/or not happy with the order.
  • Customer’s account number is invalid.
  • Customer’s name on the order doesn’t match the name on the bank account.
  • Customer’s phone number is disconnected and they aren’t a repeat customer with us.
  • Customer’s order is for services performed on their computer and the dollar amount charged to the customer is over max cap. (set by Risk upon account approval)
  • Customer is blacklisted from another account under the same name. (per Risk Department)

What would make a transaction I submit go to an “on hold” status?

There are several reasons that a transaction can show a status of “on hold”. Here are the most common:

  • Verification Department attempts to contact the customer and only gets voicemail to leave a message.
  • Verification Department reaches the customer but customer states “work was not completed” or not ready to approve yet.
  • Verification Department is awaiting the return of a DocuSign and/or ID proof from the customer.

I have submitted two different transactions for the same customer today but only is approved, why is this?

The guideline set by XPressProcessing.com only allows one approved transaction per day for a single customer.

If my technical support company works on more than one computer/device for a customer can I charge more than $350.00 for the services rendered?

There is a max cap for all technical support and web design based merchants. The max cap is $350.00 per computer/device per order. If your company serviced two computers/devices for the customer, the ticket amount on the order must be $700.00 or less (which is $350.00 per computer/device) AND the customer must also verbally state during the “live verification call” the number of computers/devices that were serviced for the order.

What questions do you ask my customers during the verification call?

During a verification phone call the customer must confirm the following when prompted:

  • Verify the name on the account
  • The website they placed the order with
  • The amount of the order
  • The Bank they used
  • Last 4 digits of their checking account number
  • Their billing address
  • This is their personal account

In addition to the above, when the customer’s order is for a service provided by a technical support merchant for their electronic devices, (computer, laptop, phone, tablet etc.)  The customer must also confirm the following:

  • Number of devices that were worked on
  • The work is completed
  • That they are 100% satisfied with the work provided
  • Their email address to receive the DocuSign

My customer would feel more comfortable if I were on the line with them when XPressProcessing.com calls to verify their order, is that permitted?

No, 3rd party conference calls are NOT permitted during the verification process. All verification calls are performed with XPressProcessing.com and the customer ONLY. Merchants are not permitted to be conferenced in with the customer during the verification call. If your company is caught doing conference calls the order will be declined.

When entering a customer’s information for a transaction I get a message that reads “Negative Data”. What does “Negative Data” mean?

The logical explanation for your customer receiving a “Negative Data” response is due to the following:

Their account number entered is invalid or incomplete – please ensure you are using a personal checking account, not savings or business account. If you are confident your checking account number is complete and correct, this could mean that your specific bank does is not capable of accepting eChecks through XPressProcessing.com. We have experienced this with multiple smaller banks, which are not capable of processing our eChecks for their own internal reasons.

If you have an alternative bank account, with a different bank, you are more than welcome to place an order with the alternative account. Rest assure, we process with hundreds of US banks, and there are only a select few which are not capable of accepting our eChecks.

We utilize a nationwide scrubbing system that checks account information against a nationwide database of checking information. If any data is found to be bad or negative on the account, the scrubbing system returns to us a response accordingly. If any negative data is found on the account, we automatically decline the transaction.

Negative data can be added to an account for many reasons, including but not limited to:  Returned Checks, Non-Sufficient Funds for checks written, stop payments that were placed on a check, etc.

We have no control whatsoever, over this database, and cannot remove or modify information in this scrubbing system.

In order to resolve the issue, you must work with your bank to figure out how you got placed in this database and what you must do to get removed

eChecks FAQs

What is eCheck processing?

A form of payment made via the internet that is designed to perform the same function as a conventional paper check. Because the check is in an electronic format, it can be processed in fewer steps and has more security features than a standard paper check. Security features provided by electronic checks include authentication, public key cryptography, digital signatures and encryption, among others. Electronic checks (eCheck) have been developed in response to the transactions that have arisen in the world of electronic commerce. Electronic checks can be used to make a payment for any transaction that a paper check can cover and are governed by the same laws that apply to paper checks. This is the first form of internet-based payment that the U.S. Treasury uses for making large online payments. Paper checks can be processed electronically so you’ll never have to go to the bank again. The auto-recurring billing feature enables you to automate your entire billing and collections process by charging your customers via eCheck.

How does eCheck processing work?

eCheck processing is a flexible alternative to accepting check payments. XPress Processing electronic check drafting method gives you the flexibility to accept payments securely and economically by phone, fax, mail or internet with greater speed of payment than traditional check methods. XPressProcessing.com uses a technology to utilize the current US check clearing network to debit funds from consumer checking accounts.

Who can pay on my site via eCheck?

Although most merchants (regardless of their locations) can offer eCheck payments, only customers residing within the United States, and using a United States bank account are able to lodge eCheck transactions

Can a customer dispute an eCheck payment?

By using the check clearing infrastructure XPressProcessing.com merchants are limited to a maximum 60-day dispute window for payments. 8 US states offer this and the remaining 42 states only have 30 days to dispute payments.

How do I submit eCheck transactions to XPress Processing for processing?

XPressProcessing.com offers two simple ways to post eCheck transactions:

  • Virtual Terminal: Merchant has a payment page via XPress Processing backend, where they submit a transaction manually by entering the customer’s payment information.
  • Application Programming Interface (API): The API is designed for ecommerce businesses. So you can integrate your existing payment system directly with our gateway allowing your customer to submit transactions electronically. Our easy Integration allows merchants of all sizes to easily connect to XPressProcessing.com Payment Gateway.

What are the hours of operation for processing orders?

Our Office hours of operation are M-TH 9:00 am- 7:00pm EST & Friday 9:00am-6:00pm EST. Keep in mind, you are able to submit transactions in our Evolution Gateway 24/7

What process does XPressProcessing.com use to verify my customer’s transaction?

XPressProcessing.com utilizes an in-house, live Verifications Department. When a transaction/order is submitted to be processed, within seconds it is scrubbed by the internal nationwide scrubbing data system that checks for negative bank account data. If the system does not detect any negative data on the bank account, it is passed into the “pending” status. From there, the Verifications Department calls the customer to confirm the validity of the order. Once all is verified, the customer bank is called to verify the name on the account matches, the account is open and valid, and the funds are currently available for the eCheck to successfully debit the customer’s account.

This verification process takes place in real time, approximately 1-2 minutes to complete, in the order the transaction was received. In some cases, a DocuSign is sent for the customer to complete. Once the DocuSign is returned to us completed by the customer; we then make a final call to confirm that the customer was the signer of the completed document. If your company is required to include this DocuSign step for Verification calls, the Merchant will be notified of this step upon the boarding of your processing account. You might wonder, why such a thorough process? These steps are taken to prevent the risk of a “Returned Check.”

Instead of pushing the transactions automatically through to the customer’s bank, our Verification process reduces the chance of a NSF, Stop Payment, Not Authorized payment, etc. It also minimizes the chance of fraudulent activity on a customer’s checking account. This process not only will benefit your business by reducing the chance of a “Returned Check”, but it will also give reassurance to your customers, that they are safe and secure when making payments via eCheck.

How do I know when my customer has paid or when a transaction has been approved?

XPressProcessing.com notifies you of every transaction status change via email. XPressProcessing.com Accounting Department also provides you with an easy to read summary of all transactions processed and their respective status. Additionally, you can view a payment history for each of your customers within XPress Processing backend gateway.

What is the descriptor that will show up on my customer’s bank statement after an eCheck is processed?

After an eCheck payment is processed with XPressProcessing.com, it will show up on the bank statement under “JBI/Paymonex”.

How long will it take for an eCheck to post to my customer’s bank account?

Once the eCheck transaction has been approved, it takes approximately 2-3 days for the check to clear.

What exactly is auto-recurring billing?

Auto-recurring billing is a process by which you initiate payments from your customers on a regular schedule. This process not only significantly reduces the time and money you spend on billing; it also provides a very convenient way for your customers to pay you on time, every time. The process is easy and all you need to get started is XPressProcessing.com account. You must first get written permission from your customers to start an auto-recurring billing program. We provide you with all the materials you need to do this. You then upload your customer’s payment information only once, eliminating data entry errors and payments are retrieved and processed at regular intervals moving forward. The entire process is customizable. For example, you can choose a monthly bill date, and create a custom receipt. You can even provide your clients access to update their preferences and billing details online.

How will my business benefit from auto-recurring billing?

With auto recurring billing you get your money on-time, every time. The resulting normalization of cash flow can have a significant positive impact on the way you manage your business. You also eliminate the time and money associated with printing and mailing paper invoices. In fact, the entire accounts receivable process can be fully automated–you set it, forget it, and collect your money.

How will auto-recurring billing benefit my customers?

Auto-recurring billing makes doing business with you simple. Customers love auto-recurring billing because it enables them to pay bills automatically without the hassle of receiving invoices, mailing checks or finding the time to deliver payments in person. It is particularly attractive for regular charges of the same amount, such as daycare fees, rental fees, cable service, maid service and many others. Auto-recurring billing also provides significant flexibility for your customers. They can even choose the day of the month they would like to pay. And they are certain that they will not miss a payment, even if they are ill or out of town. It is a win-win for you and your customers!

ACH FAQs

What is ACH Processing?

ACH Payment Processing refers to the moving of money electronically.  Essentially there is a communication network that uses the Federal Reserve Banking system to transfer money to and from checking/savings accounts. The Automated Clearing House is the name given to system that accomplishes the transfers.

NACHA at http://www.nacha.org/ is the agency that oversees and makes regulatory changes to the ACH network. The vast majorities of banks in the US participates in the ACH network and are bound by the ensuing regulations.

The ACH network is only valid in the US and Puerto Rico.

Worldwide ACH processing is a goal of many but the reality is that the technical burdens are overwhelming.

ACH processing allows the typical business to collect a recurring payment without waiting for the customer to mail a physical check. By having the customer authorize the electronic debit to their account the transfer of funds is accomplished electronically.

Who can pay on my site via ACH?

Although most merchants (regardless of their locations) can offer ACH payments, only customers residing within the United States are able to lodge ACH transactions. Due to issues such as language barriers, fluctuating currency exchange and technological impracticality, there is no universal bank-payment system in place today. As the Automated Clearing House (ACH) is part of the United States Federal Reserve Banks, only customers within the United States are able to make payments via this payment options.

How do I submit ACH transactions to XPress Processing for processing?

XPressProcessing.com offers two simple ways to post ACH transactions:

  • Virtual Terminal: Merchant has a payment page via XPress Processing backend, where they submit a transaction manually by entering the customer’s payment information.
  • Application Programming Interface (API): The API is designed for ecommerce businesses. So you can integrate your existing payment system directly with our gateway allowing your customer to submit transactions electronically. Our easy Integration allows merchants of all sizes to easily connect to XPressProcessing.com Payment Gateway.

What are the hours of operation for processing orders?

Our Office hours of operation are M-TH 9:00 am- 7:00pm EST & Friday 9:00am-6:00pm EST. keep in mind; you are able to submit transactions in our Evolution Gateway 24/7.

How do I know when my customer has paid or when a transaction has been approved?

XPressProcessing.com Accounting Department provides you with an easy to read summary of all transactions processed and their respective status. Additionally, you can view a payment history for each of your customers within XPress Processing backend gateway

Credit Card FAQs

What is online Credit Card processing?

A form of payment made via the internet that is designed to perform the same function as a customer swiping their card at a retail location, but rather online.

The customer will provide their credit/debit card details via the merchant’s payment page for processing. The merchant will also have access to a Virtual Terminal to submit credit card transactions for real time processing.

What is the difference between a debit card and a credit card?

Using a credit card is like getting a loan. Every time you charge something, you’re borrowing money until you pay it back later that month, or over time. In exchange for this loan, the credit card company adds interest charges to your account, which you must pay along with the purchase amounts. Debit cards are used to make purchases at retail locations in the same way credit cards are used, however the money comes directly from your checking or savings account.

Can I accept Debit Cards also with XPress Processing?

Yes you can. XPress Processing processes debit card transactions through the same system as credit cards, ensuring full acceptance and payment approval in a real-time environment.

What type of credit cards am I able to accept with XPressProcessing.com?

Our solutions allow you to accept MasterCard, Visa, American Express, Discover, Diners Club, JCB, Eurocard, Carte Bleue, Galeria, Delta, Laser, Solo, Switch, and Enroute.

Who can pay on my site via Credit Card?

Credit/Debit card processing has no restrictions with the location of customers with XPressProcessing.com. Merchants can accept payments from customers all around the world.

What are the hours of operation for processing orders?

Our Office hours of operation are M-TH 9:00 am- 7:00pm EST & Friday 9:00am-6:00pm EST. keep in mind; you are able to submit transactions in our Evolution Gateway 24/7.

How do I submit a Credit Card transaction to XPress Processing for processing?

XPressProcessing.com offers two simple ways to post eCheck transactions:

  • Virtual Terminal: Merchant has a payment page via XPress Processing backend, where they submit a transaction manually by entering the customer’s payment information.
  • Application Programming Interface (API): The API is designed for ecommerce businesses. So you can integrate your existing payment system directly with our gateway allowing your customer to submit transactions electronically. Our easy Integration allows merchants of all sizes to easily connect to XPressProcessing.com Payment Gateway.

How do I know when my customer has paid or when a transaction has been approved?

XPressProcessing.com Accounting Department provides you with an easy to read summary of all transactions processed and their respective status. Additionally, you can view a payment history for each of your customers within XPress Processing backend gateway.

What is the descriptor that will show up on my customer’s credit card statement after the transaction is processed?

As each account is configured separately, please get this descriptor from XPressProcessing.com Risk Department by e-mailing [email protected].

How does XPress Processing help my business reduce chargebacks?

XPress Processing’s Merchant Services Team will work diligently with your business to help reduce the occurrence of chargebacks. Through a proactive approach, our team mentors merchants through the chargeback process, providing support and assistance with retrieval requests, refunds and more. Additionally, XPress Processing employs multiple strategies to reduce the occurrence of chargebacks, including detailed customer email receipts, an online customer transaction-search portal, dedicated customer support website and more.

Prepaid Debit Card FAQs

What are Prepaid Debit Cards?

Prepaid Debit Cards are a great solution if you’re looking for a daily payment alternative to cash. Prepaid Debit Cards work like traditional bank cards and debit cards and provide a helpful alternative for people who are not eligible for bank accounts and credit cards, or who are otherwise uninterested in opening a traditional checking account. Simply open a Prepaid Debit Card account, load the card with cash, and begin using it for daily transactions, such as making online purchases or buying groceries, etc. Prepaid Debit Cards are a smart and cost-effective alternative to carrying cash and paying check-cashing fees. Because it’s a pre-funded card, you only spend the money you load on it.

What is a branded prepaid debit card?

A branded Prepaid Debit Card is a card that is designed with your company name and logo presented on the card. The card is customized by our design team to tailor the card to your needs.

What Prepaid products does XPressProcessing.com offer?

Our full product suite includes branded Prepaid Debit Cards, plus a robust real time points to cash loyalty system that can be implemented globally. XPress Processing reloadable Prepaid Cards provide the perfect vehicle to deliver incentives, payments, disbursements, rewards, rebates and bonuses. We can combine any of these solutions in order to make your program fully customized.

  • Prepaid Incentives, Rebates & Gift Cards
  • Prepaid Customer Loyalty Cards
  • Prepaid Payroll and Commission Programs
  • Prepaid Disbursement Card Services
  • Prepaid Virtual Cards
  • Prepaid and Reloadable Long Distance
  • Prepaid Corporate Cards

What type of services does XPressProcessing.com offer with their products?

Our end-to-end prepaid processing solution includes everything from account set up and management, card production and personalization, inventory management and customized distribution solutions, transaction processing, fraud detection and prevention, funds settlement, call center and IVR/VRU (Interactive Voice Response/Voice Response Unit) customer service, dispute processing, detailed reporting, to Web hosting services.

What makes XPress Processing Prepaid Card Program different from other Prepaid Card Companies?

At XPressProcessing.com, we do more than offer products; we partner with our clients to create business solutions to solve everyday business challenges. We help our clients turn each contact with their customers, partners and employees into an opportunity to enhance their bottom line. Furthermore, to ensure your program’s success, we review its progress on an ongoing basis.

What are the qualifications for the Prepaid Debit Card Solution?

We work to create an easy qualification process where everyone gets approved. Our application is short, simple, and gets straight to the point.

Are my E-Wallet funds protected?

All client funds are held in a dedicated trust account per client. All deposits are insured and bonded and 100% guaranteed (with the purchase of our Guaranteed Deposit Insurance). Insurance covers any type of exposure including theft or fraud.

Does XPress Processing offer a mobile app for my Prepaid Card?

It is the first mobile app for Prepaid Cards. Reload your Prepaid Card anywhere conveniently and securely using your credit card, bank account or set up auto top-up to ensure you always have funds. You can transfer funds from your Prepaid Card to another Prepaid Card instantaneously, for allowance, paying a loan or just being generous. You can also check your card balance in real time and view detailed transaction information.

What is the XPress Processing Mobile Wallet?

XPress Processing Mobile Wallet app turns your phone into a tap and go wallet. Tap your phone to any contactless point of sale device and pay for purchases. Featuring the latest in cloud technology, payments are not only secure but lightning fast. It can be used at thousands of locations and funds are drawn directly from your Prepaid Card Account.

Is XPress Processing Mobile Wallet secure?

Yes, XPress Processing Wallet features multi-layer security backed by network purchase protection. Users are required to provide both password and card information to further eliminate card fraud.

How will Prepaid Cards benefit my business?

Personalized service is what makes our Prepaid Card Solutions unique and it has proven to help businesses grow. We personalize options that fit your business. Our Prepaid Card Solutions will boost sales revenue, as well as acquire and retain customers. With our marketing efforts through our loyalty program you will instantly be able to generate new customers. It also gathers valuable customer data by running monthly reports to assist you in gauging exactly where your client base is from, which is always important.

Is Prepaid Debit Cards program offered in just the US businesses?

We enable companies to issue branded, global & local multi-function Prepaid Cards in multiple countries and currencies around the world. We are one of the only companies in the world that can issue in around the world with multiple networks. We are certified to issue cards in 42 countries and 21 currencies.

How long does the setup process take for a Prepaid Debit Card account?

Once we receive your completed online application and you submit the required documentation, we will set up a “Kick Off Call”. The Kick Off Call consists of customizing a package for your specific needs for your business. This includes the type of cards needed and amount of each card you will need. After customization is completed we will then do a Demo to train you and your business on how the cards work. The entire account setup from start to finish only takes approximately 7 business days.

What is Prepaid “Points to Cash” Loyalty Program?

XPressProcessing.com offers the only Points to Cash Loyalty and Incentive Program in the world. Prepaid “Points to Cash” Loyalty Program delivers on-going loyalty rewards that earn points on their Prepaid Card every time it’s used to make a purchase. These points convert to cash, directly on the card. Once the card holder reaches a certain reward plateau, they login to their E-Wallet account, where they can convert their points and spend them on their card.

How long does it take to setup my customers with their Customer Loyalty card?

The setup for your Customer Loyalty Cards is simple and takes less than 5 minutes. Once setup is completed, the card is ready to use; just add the funds to the card and your customers can start making purchases in your store immediately.

What is a Prepaid Virtual Card?

A Prepaid Virtual Card is designed specifically for making online purchases ONLY. Virtual means that you will not receive a physical card but it will function exactly the same way as a physical card; they can be used at all ONLINE merchants that accept Visa product. Card numbers can be printed on Co-branded coupons, vouchers and MasterCard/Visa Card image.

Is there a dollar amount limit for the Prepaid Virtual Cards?

Yes, there is a balance limit of $2,500.00.

What is a Prepaid Disbursement Card?

Prepaid cards are a fast, inexpensive alternative to recurring paper check disbursements (recurring disbursements are expenses paid each month to run a business; i.e. utility bills, business phones, etc.).

What is a Prepaid Expense Card?

A Prepaid Expense Card makes monitoring and dispersing reimbursements simple. (This card is used to pay expenses for the business such as: office supplies, postage, travel, dinner meetings, etc.) This card is great for businesses to set, control and monitor the company budget and control the business expenses. This card will eliminate paper trails because tracking is automatic and statements are available online.

What is a Prepaid Payroll Card?

Prepaid Payroll Cards provide employers and their employees with a convenient, low-cost alternative to payroll checks. They enable businesses to reduce costs traditionally associated with paper-based payroll processes while helping avoid check-related fraud losses and theft. It also gives employees immediate access to their pay, through direct deposit to their cards.

What is a Prepaid Rebate Card?

Reward, thank, and inspire your best employees and customers with the easy – and personalized – alternative to checks or vouchers for rebates and rewards. More and more companies are realizing the benefits of issuing branded cards for rebates. It allows you to issue instant rebates, virtual rebates and rebate plus programs instantly without any wait time or paper trail.

What does my Customer Loyalty Card do?

There are several benefits in having a Prepaid Loyalty Card which include:

  • Earn points from a wide variety of merchants
  • Donate your points to charity
  • Receive preferred membership services
  • Access your account balance electronically
  • Sign up for electronic partner and information updates
  • Receive meaningful recognition for loyal patronage

How do I earn points on my Prepaid Loyalty Card?

XPress Processing multi-function card allows you to earn points with a wide coalition of national, regional and local retailers across North America and Europe, as well as our on-line network of over 1000 points issuing e-retailers.

How do I redeem my points?

XPress Processing features a unique “real-time” points-to-cash model for unparalleled flexibility and control. Our points earning and redemption platform recognizes your card number when swiped through the POS.

Depending on program specifications, a certain number of points are awarded to the card. Points can be converted to cash on the card to be redeemed at any ATM or POS terminal around the world.

How do I know the balance on my Loyalty Card?

You can access your account balance electronically 24/7.

Is there a limit in the amount of funds that can be loaded to my Customer Loyalty Card?

You can load up to $2,500 in your E-Wallet per occurrence. However, there is no limit to the amount of funds loaded.

What does a Referral Agent do?

A Referral Agent brings aboard Merchants to process transactions with XPressProcessing.com and in turn receives a commission for every approved transaction from their merchant they have brought aboard.

What is required to become a Referral Agent with XPressProcessing.com?

The steps to becoming a Referral Agent are quite simple. You must fill out our online application. The documents required to submit are the completed referral agent registration form and a copy of your Photo ID or Passport. All approved Referral Agents receive logins to XPressProcessing.com to board their Merchants.

How do I get paid as a Referral Agent?

As Referral Agent with XPressProcessing.com, you will earn a percentage (% rate is determined upon the approval of your account) of your client’s weekly approved processing volume. Usually, you will also earn a dollar amount (determined upon the approval of your account) for each approved transaction submitted by your clients. All Referral Agents will receive their settlement payouts weekly.

Referral Agent FAQs

What is a Referral Agent?

A referral agent is a person who makes money by referring customers or clients to a business or individual who can meet their needs. The duties of a referral agent may vary, but for many, the primary focus of the job is to generate leads. This means they spend time looking for individuals or businesses who are interested in a particular service or product and referring them to businesses or individuals who can fulfill their needs.

Does XPress Processing offer a Referral Agent Program?

Yes. XPress Processing offers a lucrative Referral Agent program with multiple commission models to Referral Agents worldwide. For more information about our Referral Agent Program, please visit the Referral Agents page on this website, email us at [email protected] or call us on +1 (877) 327-8840.

What is required to become a Referral Agent with XPressProcessing.com?

The steps to becoming a Referral Agent are quite simple. You must fill out our online application. The documents required to submit are the completed referral agent registration form and a copy of your Photo ID or Passport. All approved Referral Agents receive logins to XPressProcessing.com to board their Merchants.

What does a Referral Agent do?

A Referral Agent brings aboard Merchants to process transactions with XPressProcessing.com and in turn receives a commission for every approved transaction from their merchant they have brought aboard.

What options do I have for boarding clients under my Referral Agent account?

XPressProcessing.com will provide all Referral Agents with their own unique application URL to provide to your clients to use when applying for a processing account with XPressProcessing.com. This unique URL is found in your backend. When your client uses this link to complete their application, it will automatically link them under your account. The unique URL is preferred by most agents.

Another option to board your clients is by doing it yourself manually. To do this you will go to your backend and click “add client”. An application will come up and you will then manually fill out the application for your client.

What are the supporting documents that I must submit to XPressProcessing.com on behalf of my clients during their application process?

The list of supporting documents and website requirements for application process at XPressProcessing.com are as follows:

 Supporting Documents:

  • Certificate of Incorporation/Commercial Register Excerpt
  • Legible Color Copy of Principal’s Passport/Identity Card
  • Proof of Principal’s Residence (utility bill or council rates)
  • General Terms and Conditions (must be in hard copy form)
  • Refund and Cancellation Policy (must be in hard copy form)
  • Voided check from Depository Account OR Letter of Good Standing on Bank’s Letterhead
  • Min 3 Months most recent processing statements
  • IF MERCHANT SELLS TANGIBLES: copy of fulfillment and supplier agreement required

Website Requirements:

  • Toll Free 800 Number DISPLAYED ON WEBSITE
  • SSL Certificate for company website & payment page
    **BY LAW**

These documents must be sent to XPressProcessing.com Risk Department: [email protected]

How can I manage my merchant portfolio with XPress Processing?

XPress Processing provides Referral Agents with a robust online Admin Account, which provides the functionality required to operate a sophisticated Referral Agent business. This account can be used to manage existing merchants, establish new clients and view upcoming payments with detailed breakdowns. This account is referred to as the Referral Agent Admin Account.

Does XPress Processing manage the merchant and cardholder support process?

Yes, XPress Processing offers full merchant and cardholder support services to its Referral Agents. If you would like to manage this process yourself, please inform your Referral Agent Manager when establishing your account with XPress Processing.

How do I get paid as a Referral Agent?

As Referral Agent with XPressProcessing.com, you will earn a percentage (% rate is determined upon the approval of your account) of your client’s weekly approved processing volume. Usually, you will also earn a dollar amount (determined upon the approval of your account) for each approved transaction submitted by your clients.

What is the payout cycle for Referral Agents?

Referral Agents, like all Merchants, will have their first week commissions held in the arrears. Thereafter you will receive your payouts weekly, as long as the fund’s total a positive amount after all fees and deductions are taken.

Do I receive commission for each transaction submitted for processing by the Merchants boarded under my agent account or are there stipulations?

As a Referral Agent, you will receive commission on all approved transactions submitted by the Merchants boarded under your account. You will not receive commission on declined, refunded, or returned transactions.

White Label FAQs

What is a White Label Account?

A payment processor integrates their existing payment gateway with XPressProcessing.com gateway. The White Label boards merchants who process transactions through the White Label’s gateway. The merchants do not know that XPressProcessing.com is the payment processor. XPressProcessing.com provides a set rate for the White Label and the White Label then quotes rates to their merchants. XPressProcessing.com does not communicate with the White Label’s merchants at all.

What is required to become a White Label with XPressProcessing.com?

Once we receive the completed online application the following documents are required:

Supporting Documents:

  • Proof of Domain Ownership
  • Certificate of Incorporation/Commercial Register Excerpt
  • Legible Color Copy of Principal’s Passport/Identity Card
  • Proof of Principal’s Residence (utility bill or council rates)
  • General Terms and Conditions (must be in hard copy form)
  • Refund and Cancellation Policy (must be in hard copy form)
  • Voided check from Depository Account OR Letter of Good Standing on Bank’s Letterhead
  • Min 3 Months most recent processing statements

Website Requirements:

  • Toll Free 800 Number DISPLAYED ON WEBSITE
  • SSL Certificate for company website & payment page
    **BY LAW**

These documents must be sent to XPressProcessing.com Risk Department: [email protected]

Is there an account set up fee for a White Label account?

Yes, this fee as well as all other rates and fees will be determined during the underwriting process. XPressProcessing.com works on a case by case basis to get the best rates with our banks for your unique business needs and requirements.

How does the payout cycle work for a White Label Account?

The payout cycle with XPressProcessing.com is done on a weekly basis. Our processing weeks run from Sunday-Saturday. Weekly you will receive the accumulated lump sum of your merchants processing funds via bank wire. It is then the responsibility of you, the White Label, to pay your merchants settlement payouts directly.

Will I receive one Summary Report or will the Accounting Department separate it by each of my Sub-Merchants accounts?

All White Label accounts will receive a weekly Master Summary which will be an accumulated total of all their Sub-Merchants combined volume and total net payout. Also, you will receive a separate Summary report for each Sub- Merchant individually which will include volume, fees, deductions and total net payout amounts.