As soon as your KYC has been validated, you will be able to configure and deploy online payment methods for your customers starting from your Settings > Payment methods section.

Setup & configuration

Card payments

Once activated, you will immediately be able to collect payments from all major credit & debit card brands. There are 3 main parameters you can set below:

Transaction limit => if you do not intend to pass card fees on to customers when they pay (see below "convenience fees"), you can optionally set a limit for cards on a per-payment basis to re-route customers to another method. Otherwise, we recommend setting this value to "no limit" by inputting e.g. $10m (10000000).   Convenience fees => allows you to specify how much of your card processing fees you want to pass on to your customers when then pay. You can decide to pass all, part, or none of those fees and keep the toggle off. More details here.   Activate for all new customers => card payments will be made available to all new customers imported in Upflow. We recommend leaving that option on by default.

Note on the updated payment amount calculation with "convenience fees"

Card processing fees have a fixed and variable component. When you pass those fees on to customers, the amount they will pay should increase proportionally so as to cover the added resulting processing fees. We apply the following formula to update it, where you specify the fixed ("F_fixed") & variable ("F_percent") inputs as mentioned above:

So for example if you decide to pass 3.50% + $0.30, then the amount paid for a $1,000 invoice ("P_goal") by your customer via their Upflow portal will be: "P_charge" = $1,036.58.

Direct debit payments

Activating direct debits will enable you to collect payments from your regional scheme like ACH in the U.S., SEPA in Europe and Bacs in the U.K.

Depending on your direct debit scheme, you may be presented with a parameter to set a per-transaction maximum value. If so, we recommend setting it as high as possible to maximize your chances to get paid.

Otherwise, you simply need to indicate if you want to enable the option for all new customers (recommended) and you're done!

Enable payment methods for existing customers

Head over to your Customers tab to mass-assign cards as a payment method for your customers. We generally recommend enabling cards & direct debits for all of your customers since you can:

• maximize the chances to get paid now.
• prompt conversations around payment options with customers.
• optimize payment mix through time.

We understand that you may also want to test those new payment methods on a subset of your customers first, so you can filter your base and mass-assign to that specific group as well.

Once enabled, you customers will instantly be able to select an available method when they pay via their portals:

Disabling a payment method

If you wish to disable a payment method for one customer, multiple or all of them, several options are available.

Disable a payment method for one customer

Head to your customer's detail page. Scroll down on the Payments section and untick the payment method you wish to disable for them. Below, you can see that Card payments are available for this customer, when the ACH debit isn't.

Disable a payment method for multiple customers

From the Customers list view, filter your customers on a common condition to identify them.

Check the Customer column box, then click the blue link at the top right of the list to select all. Click Actions > Assign a payment method and uncheck the one to disable before clicking Apply.

Disable a payment method for all customers

You can either disable it for all customers while keeping it in your Settings, or delete it.

Delete it

Head to your Settings > Payment methods. Click on the Edit button next to the method you wish to delete. Then click on Delete payment method below it and confirm.

Disable it

First, head to your Settings > Payment methods. Click on the Edit button next to the method you wish to disable. Untick the Activate for all new customers and Save setting (not avalable for wire transfers).

Now, head to your Customers list view. Filter your customers on "Payment method" and select the one to disable, then Apply. 

Check the Customer column box, then click the blue link at the top right of the list to select all. Click Actions > Assign a payment method and uncheck the one to disable before clicking Apply.

Do you have any questions/feedback? Submit a Support request at the top of this article.