Sending Credits

Some gateways allow the processing of unreferenced Credits. While similar to unlinked refunds, Credits allow you to send money to a checking account (ACH/Direct Debit) when the transaction is not a refund of a previous payment. Credits may have a different name depending on your gateway provider.

Required Chargent Version

Update to the latest version of Chargent to successfully send credits.

Supported Gateways

Not all gateways support sending credits. Currently supported gateways include:

• Adyen
• Fat Zebra
• Forte
• Linked2Pay
• ModusLink
• PayTrace
• USAePay
• Vantiv eComm (aka Litle, WorldPay eComm)

How To Set Up Credits #

See the following instructions to start sending credits to your customers:

Create a New Gateway Record

We recommend creating a new Gateway record solely for processing Credits. Ensure restricted access to prevent non-privileged users from processing Credits.

Enable Unlinked Refunds

To send Unlinked Refunds, you must enable Allow Unlinked Refunds. If you haven’t already done so, you may need to add the Allow Unlinked Refunds field to your Gateway’s page layout.

Check the Allow Unlinked Refunds Checkbox:

1. Click the App Launcher and select the Chargent app.
2. Click the Gateways tab and select your gateway.
3. Click the Edit button, then Advanced Settings.
4. Check the box for Allow Unlinked Refunds.
5. Click Save.

Enabling ACH for your Gateway

You can enable ACH via the Gateway Setup Wizard. When you reach the page asking to select the payment methods you accept, enable ‘Bank Account’ and choose your preferred Direct Debit Network.

Sending a Credit

First, ensure you have added the Credit Amount field and Credit button to your Chargent Order page layout.

You can send a Credit from a Chargent Order by following these steps:

1. Create or update a Chargent Order, populating these fields:
   • Order Title (optional) – What the payment is for
   • Gateway – Chargent gateway record that has been configured to send payment
   • Account or Contact = The recipient
   • Payment Method – Must be set to ‘Bank Account’
   • Bank Account Name – First & last name or Organization name of the recipient 
   • Bank Name (optional on most gateways) – Name of financial institution
   • Bank Routing Number & Bank Account Number OR Token: The payment method to send the credit to
   • Credit Amount – The dollar amount that is being sent to the recipient 
   • Order Source – Must be set to ‘Prearranged Payment and Deposit’
   • Billing First & Last Name (Optional)
   • Billing Company (Optional)
   • Billing Email (Optional)
   • Billing Address (Optional)
   • Order Information (Optional)
2. Click Save.
3. Click the Credit button.

Success! Chargent has sent the amount in the Credit Amount field to the bank account specified on the Chargent Order.

Note: The ACH network does not settle immediately. We strongly recommend that each Chargent customer set up transaction sync in Chargent. This will ensure that your payments are updated in Chargent when a payment is settled at your gateway.

Suggested Page Layout for Sending Credits

Additional Resources

• Sending Unlinked Refunds
• Gateway Setup and User Guides