Merchant Configuration

The following settings can be configured in your Wise-Pay Merchant account:

How do I get there?

To configure your Merchant account, select Configure > Merchants from the top Menu. Select the Merchant you want to configure by clicking on the Edit this account merchant icon next to the relevant Merchant.

What do I do?

The Account Merchant settings are detailed below.  Don't forget to click Save when you have finished making changes!

Basic Settings
Account Merchant Payment Status

This must be set to 'Enabled' in order to both receive payments through Wise-Pay and to process these payments through the selected payment processor.

Merchant Account TypeWise-Pay supports the following types of payment processing merchants:
You first need to have an account setup with the relevant payment processor. The details of your payment processor merchant account are saved as a part of your Wise-Pay merchant account configuration. Wise-Pay subscription varies with the choice of payment processor. Check for details.
Account for Clearing PaymentsSelect the current asset account from your accounting package to hold payments until they are cleared. Following best practices, this should be set to the Wise-Pay Clearing Account.
This drop-down only displays bank accounts with account codes and Xero accounts for which the Payments Enabled option has been selected.
Bank Account for Prepayments

Select the bank account the prepayments received through Wise-Pay should be allocated to.

Account for Prepayments

Select the revenue account the prepayments received through Wise-Pay should be allocated to.  Following best practices, this should be set to the Wise-Pay Pre-Payments Account.

Overpayment Tax Code

Select the tax code to apply the overpayments received through Wise-Pay. This field is used when prepayments or overpayments are received through Wise-Pay (mainly in the case of batch payments).

AVS information
Enable this if you wish to record information for Address Verification System (AVS) used by certain credit card processors in the United States.
Advanced Option Settings
Maximum Credit Card Transaction Amount
Enter the maximum amount allowed for a single credit card transaction. This limit is imposed through your payment processing merchant. If a credit card payment from your payers is greater than this amount, the transaction would fail.
Approve When PaidSelect this option if you wish to receive payments for invoices in the Draft state (for merchants that do not have their Wise-Sync account set to Post to Approve). The draft invoices would be approved upon payments.
Check Scheduled Payments

Select this option to enable Wise-Pay to automatically cancel a scheduled transaction if any changes have been made to the invoice in the underlying accounting system. When selected, Wise-Pay keeps tracks of the invoices scheduled for payments and changes made to them in the accounting package. For details on this configuration, see FAQ- How To Automatically Cancel Scheduled Transaction When the Invoice is Modified in the Accounting Package.

Append Company NameSelect this option to display a payer's company name in the payment gateway console i.e. the company name will be appended to the surname. Enabling this can help in reconciling payments, as the payer's name is more easily identified. 
Migrate Existing PayersIf you selected to append the company's name in the above step, you then have the option to apply this to all of your payers. 
Base CurrencyThis is the currency used for this merchant account. It is automatically selected based on the locale selected during setup.
Invoice SourceEnables you to select the source application from where the invoice would be fetched for printing. You can select this to be from ConnectWise or from your accounting package.
ConnectWise UserEnables you to specify the ConnectWise user name that is recorded for the payments received through Wise-Pay.
Allow DDR

Check the DDR box if you wish to allow direct debit for your and your payers' Wise-Pay accounts.

Accepting DDR depends on your selected payment processor and its ability to allow direct debits in your region.

Maximum DDR Transaction Amount

Specify the maximum amount that is to be allowed in a direct debit. Once specified, all direct debit transactions through Wise-Pay would be limited to less than or equal to this amount.

This limit is defined during your Wise-Pay Activation, taking into account your payment processor and the service availability in your region. It is recommended not to change this.

DDR Merchant Service Type

When you wish to use a different merchant to process direct debit requests, select the merchant type from this drop-down.

This field is configured during Activation; it is recommended you don't change its value.


Any changes to the advanced settings for the merchant account will affect your Wise-Pay payers. For example, if you reduce the maximum credit card transaction limit, your payers will not be able to pay any amount more than that. Please be mindful when changing any of these settings.

API Keys

When you register with your payment processing merchant such as Payrix or Global, you receive an API key and password in order to obtain API access to your account. Each Merchant has slightly different API Keys. For more information on how to obtain your API Keys, see Payment Providers

Primary Merchant Details 

Enter your Merchant API Keys 

Select if the Account is a Production Account 

Note: When an account is not set to "Is Production Account", only test transactions will be performed.

Secondary Direct Debit Merchant Details 

Optional: Only required when using a secondary Merchant as your DDR Provider. Enter the API username and password 

Select if the Account 'Is Production Account'


The API Key configuration is done during Wise-Pay Activation. You should not be changing this configuration unless there is a change in your API configuration.

Card Details/Surcharges

Wise-Pay allows you to control surcharges by card type, together with flexible options for where to record the surcharge revenues, and even allocation of a payment to an account based on card type.

Surcharge Label

Specify the Surcharge Label that should be displayed in the Surcharge transactions. For example, 'Online Processing Fee'. The default is 'Surcharge'.

Accept Payment 

Click the checkbox for each card type you wish to accept payments for through Wise-Pay.

Transaction Charge
If you wish to charge a fixed fee per transaction, specify it in the Transaction Charge field for each supported credit card.

If you wish to charge a surcharge as a percentage of the whole transaction amount, specify it in the Surcharge field for each supported credit card.

Surcharge Account 

Select the GL account from your accounting package the surcharge revenues are to be posted into.

Surcharge Tax Code 

Select the tax code from your accounting package to apply to the surcharge transaction to. This is the tax code that would be applied to 'service' charges. Generally, these are charged when services are taxable.

Override Payment Account 

Optional: Select the current asset account from your accounting package if you would like Wise-Pay to allocate the payment into a separate clearing account. This is recommended as it allows you to settle the bulk payments into the clearing account.

Credit Card Surcharges

To learn more about Credit Card Surcharges, see Credit Card Surcharges.

New - Pay Now
As a Merchant Administrator, you are able to configure payment options for your Payers when they pay an invoice via a Pay Now link in an invoice.
New - Pay Now experience

Enabling this toggle means that both you and your Payers will be navigated to the newly updated payment flow when they click on a Pay Now link in an invoice. This means that Registered Payers are able to pay by bank debit and also schedule payments for a future date, if your below Merchant settings are enabled.
Please don't disable these toggle.

Accepted Payment Methods

Credit Card: Enable to allow Payers to pay by credit card
Bank Debit: Enable to allow Payers to pay by Bank Debit

Scheduled Payments

Allow Payers to schedule outstanding invoices for a date in the future
Allow Payers to schedule past due/overdue invoices for a date in the future

If the scheduled payment toggle is disabled, payers will only be able able to pay invoices in real time (Note: Bank Debits are usually processed T+1)

As a Merchant Administrator, you can integrate your Wise-Pay account with ConnectWise Sell, ConnectWise Portal, and QuoteWerks as a proxy.
Proxy Type

Select the third-party application being configured.

You can select from either QuoteWerks or Legacy Customer Portal.


'Display' - Displays the Payment Proxy Details

'Regenerate' - Re-Generates the Payment Proxy

'Deactivate' - Makes the Payment Proxy inactive

Configure Wise-Pay as Payment Proxy

To configure Wise-Pay as Payment Proxy, see Configure Proxy Links for Third-Party Applications

PayNow Links
As a Merchant Administrator, you are able to configure PayNow links in your PSA and Accounting Package in order to receive a payment for an invoice through your application interface.

Configure your PayNow Links

To configure your PayNow Links, see Configure PayNow Links

Email Links 
As a Merchant Administrator, you are able to configure a PayNow link in your PSA invoice templates. This allows your customers to pay an invoice quickly via a 'Pay Now' button from invoices you have emailed to them. 
PayNow Link Type 



Event Notification

ConnectWise Customer Portal


Generate the PayNow Link Details


'Display' - Displays the Account Merchant's API Key 

'Regenerate' - Re-Generates the PayNow Link API Key 

'Deactivate' - Makes the PayNow Link inactive

Email Link
Email Button options

Choose the button to have either sharp or rounded corners.

Enter the label you would like the button to display. Example: Pay Now!


Generate the Email Link Details


'Display' - Displays the Email link details

'Regenerate' - Re-Generates the Email Link API Key

'Deactivate' - Makes the Email Link inactive

Configure your Email Links

To learn more about Email Link Configuration, see Configure the Email Link for ConnectWise Invoices

You are able to integrate Wise-Pay to DeskDirector, ConnectWise Sell, ITSupportPanel and CloudRadial


To learn more about our Wise-Pay Integrations, see DeskDirector, ConnectWise Sell, ITSupportPanel and CloudRadial.

 Settlement Groups 
Wise-Pay enables you to configure Bank Reconciliation Groups


To learn more about Settlement Groups, see Configure Settlement Groups to Group Prepayments

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