Merchant Platform Operation Guide
1. Operation Guide
You can get your admin account from PayerMax, and your account information could be changed by PayerMax only as well.
You can create operator accounts by your admin account (or other operators with “Users” function). You will receive an activation email from PayerMax, please make sure that you have activated your account before starting to use.
The top right corner displays the bound merchant number, which can be switched.
1.1 Create Operator Account
You can create your operator accounts by your admin account (or other operators with “Users” function) as follows:
Enter → page.
Click the button in the upper right corner of this page.
Input a valid email address as login name.(Note: Please confirm that the email address is correct. The email address will be used as the member's login account.)
Choose the functions which will be authorized by the operator.
- Change or Delete Administrator Accounts：Super administrator accounts do not support self-modification of permissions by merchants. To request changes, please contact the PayerMax platform.Operators with administrative privileges can navigate to the → page to modify or revoke permissions for standard operator accounts. Deletion is allowed regardless of activation status.Upon deletion, the operator will receive a termination notification email.
2. Multi-currency fund management services
2.1 Top Up
PayerMax supports 2 ways for top-up: top-up directly and settle to top-up.
2.1.1 Top-up directly
Top-up directly is divided into two types: ordinary top-up and local collection account top-up.
Ordinary Top-up: Provide the merchant with the recharge master account information, and after the merchant has successfully transferred funds and submitted the transfer voucher, the payermax staff will operate the crediting;
Local Collection Account Top-up：When a merchant chooses the local collection top-up channel, the system will automatically open a local collection top-up account for the merchant during the first top-up, and the system will automatically credit the account for the merchant after a successful transfer.(No additional operation is required in MMC merchant platform)
Operation Path:
Go to the → page or → page of the merchant management platform, and click the → button in the upper right corner;
Select the currency you want to top up (supported currencies are as shown on the page);
Obtain payee account information;
Completing the offline payment;
Ordinary top-ups need to be submitted with a transfer voucher, but not if the top-up is made to a local payee account.
Some companies need to apply in advance for top-ups; top-up details can be generated in advance through requisitions, and the process of reimbursement or application can be carried out.
Wait for the financial audit;
Get the recharge result;
2.1.2 Settlement to Disbursement
Go to the → → ，select ，you can initiate a transfer of the acquiring amount to the disbursement account of either the same merchant or another merchant under the same entity.
Select the transfer merchant as well as the amount and currency
If all your currencies have enabled the automatic settlement to top-up function or automatic withdrawal to bank card function for acquiring account balances, the settlement to top-up button will be grayed out and cannot be operated.
If some of your currencies have enabled the automatic settlement to top-up function or automatic withdrawal to bank card function for acquiring account balances, you will not be able to select these currencies when performing settlement to top-up or withdrawal operations.
The tab currently displays all settlement to top-up transactions.
Status：
Pending: After the merchant has made a successful offline payment and uploaded the proof of bank transfer on PayerMax merchant platform, the top-up order is being reviewed by our company;
Success: The audit was approved and the funds have been credited to the merchant's available balance;
Failure: The top-up fails. You can check the reason for failure on the top-up order details page or contact PayerMax staff for enquiry.
2.2 Transfers
Go to the → → page, select button;or go to → page, select button to enter the transfer process;
Select the recipient merchant number;
Confirm the transfer information (outgoing currency/amount, incoming currency/amount);
Get the transfer result;
Status：
Pending: After the merchant initiates the transfer, the system carries out the intermediate process of processing. If this process is too long, please contact PayerMax staff to confirm;
Success: System processing is complete and funds flow successfully between sell/buy currencies;
Failure: The transfer fails. You can check the reason for the failure on this page or contact PayerMax staff to confirm.
2.3 Withdrawals
2.3.1 Withdrawal Operation
After entering the merchant platform, go to the → → page, click the button, or on the → page, click the button to enter the withdrawal process.
You can choose
Available Settled Payment AmountORAvailable Disbursement Amountto withdraw cash to the merchant bank card.At present, cash withdrawals are charged, but no charge for charging and transferring money.
Currencies supported:
USD：Standard withdrawal currency
The remaining special currencies are based on the configuration in the contract
When initiating a withdrawal, if you have balances in both the acquiring and issuing accounts and both are available for operation, you will be prompted to choose the account.
- If you choose to withdraw from the acquiring account balance, you can only withdraw in the same currency. If the settlement currency does not support withdrawal, you can convert the currency to recharge the issuing account and then withdraw through currency exchange.
- If you choose to withdraw from the disbursement account balance, you can initiate withdrawals in different currencies, and the currency exchange will be completed simultaneously. The funds in the designated payment account are usually obtained through settlement to top-up, top up, VA receipts and so on method.
Status：
Pending: After a merchant submits a withdrawal request, our company reviews the withdrawal order;
Success: Approved and funds reach the recipient's bank account;
Failure: The withdrawal transaction fails. You can check the reason for the failure on the withdrawal details page, or contact PayerMax staff to confirm.
2.3.2 Withdrawal Approval
If merchants wish to control and approve fund operations, they can enable the switch on the → page.
Enabling the switch will display the tab on the → page. All withdrawals based on acquiring account balances will require approval from administrators or operators with withdrawal approval permissions before the final withdrawal operation is triggered.
2.4 onversions
After entering the merchant platform, go to the → → page, click the button, or on the → page, click the button to enter the conversions process.
Select the currency and amount to sell/buy.
Confirm the information you have entered for the conversions.
Get the result of the conversions.
Status：
Pending: After the merchant initiates the conversion, the system carries out the intermediate process of processing. If this process is too long, please contact PayerMax staff to confirm;
Success: System processing is complete and funds flow successfully between sell/buy currencies;
Failure: The conversion fails. You can check the reason for the failure on this page or contact PayerMax staff to confirm.
2.5 Balance Inquiry
Go to the PayerMax Merchant Platform → menu to view your current account balance. The amount of each account is displayed in US dollars converted at the PayerMax exchange rate.
Note：
- The account amount is only used as a reference for viewing the amount and is not used as a basis for settlement;
- The USD unit amount of non-USD currency accounts is for display purposes only.
2.6 Amount Alerts
Go to → → → in the merchant platform to configure the balance alert rules. PayerMax will send an email notification when your account balance is less than or equal to the warning value. Regarding the , the alert amount only includes the available balance, and the alert is for each currency account amount, not for the total account balance.
3. Signing Management
3.1 Signing Operation
When PayerMax pushes the corresponding signing information to you, you will receive the message pop-up window in the lower right corner, click .
After jumping to the detail page:
Click and the Fee Table and Service Agreement go into effect.
By clicking , you can contact PayerMax to discuss and correct the nonconforming content.
3.2 View Signing Information
3.2.1 Signing List
The pending list will show the Fee Table and the name of the ServiceAgreement, etc, which you need to sign. Please click the button on the right side of the list to view details and accept.
3.2.2 Contract Details
Details of the contract can be seen the contract overview and corresponding fee information and agreement information.
- Overview
- Details of Fee Table
- Details of Service Agreement
3.3 View Contract Information (Settlement Cycle and Payment Method)
Enter → , Click for details.
3.4 4. Configure Callback Address
Enter → , set the callback address
4. Payment
4.1 Order Search
PayerMax supports three ways to check order status:
- You can enter → page to search the status. Click on details to view the order details.
You can check the order status by receiving Notification Callback .
You can get the transaction status by using Result Query .
4.1.1 Check orders across time zones
In → page, the time dimension of order search depends on the global time zone. If you need to search orders across time zones, you can change the global time zone. To avoid other search services being affected, please be careful to switch back to the original global time zone after you finish searching for orders across time zones.
4.2 Batch export orders
Go to → page, after filling in the filter items, click button, you can export the order information under the filter item into a summary table, which is convenient for statistics and analysis. When exporting orders, you can customise the desired time zone, and all the time in the order will be converted according to the selected time zone.
5. Refund
5.1 Refund Initiation
PayerMax supports two refund initiation methods：
- Login to the merchant platform to initiate a refund. Please go to → channel, search for the transaction order that needs to be refunded, enter the detail page of the order, and click the button.
Note:
The merchant platform manually initiates a refund without callback notification by default. If you need to activate it, please contact our liaison personnel.
- You can initiate a refund request via a API. More Details.
5.2 Refund Search
Click on Details for detailed refund information
5.3 Refund Approval
As shown in the figure, you can reject/approve the refund approval and view the details.
6. Local Bank Collection
6.1 Initiate collection
- Go to → , view the list of local collection accounts opened, and click on the collection account
Note：
Only accounts with
Activestatus can receive payment normally;Accounts with the account status of
Processing/Closedmay fail to receive payment.
- Merchants click to provide account information to users for use as the "payee" of the transfer
The "Account Nickname" is only used to facilitate merchants to distinguish accounts and is not used as transfer information.
User completes offline payment
Payermax receives bank deposit notifications and confirms deposits
Merchants can check the order status through MMC - Local Bank Collection - Transaction Summary
If the risk control review passes, the merchant will be credited normally;
If the risk control review fails, the merchant will be required to provide additional risk control materials.
6.2 Supplementary Information on Risk Control Materials
If the risk control review fails, the merchant needs to click the button to supplement the risk control materials;
Merchants supplement risk control materials based on the payee type (this step is not required if risk control passes), and select the corresponding option for
Individual/Companybased on the payee role.After submitting the supplementary materials, the risk control department will review it again (until successful). You can check the Local Bank Collection payment results through →
In Merchant Platform (MMC) , you can view the fund details (the merchant's actual deposit amount = our bank deposit amount - handling fee)
PayerMax will push the transaction result to the merchant's email address via email;
Email setting path: → →
6.3 Payment status description
| Status | Description |
| Collection successful | Local collection funds have been successfully credited |
| Failed, refunded | If the local payment is rejected, PayerMax will return it to the payer |
| Risk control materials to be supplemented | This means that the funds need to be supplemented with additional materials to advance the funds into the account |
7. Disbursement
7.1 Disbursement Initiation
Currently supported payment methods: API, Single Disbursement, Batch Disbursement
API operation flow：Disbursement Request；
Single Disbursement operation flow：MMC Single Disbursement
Batch Disbursement operation flow：MMC Batch Disbursement
7.2 Download disbursement information in batches
Enter the → page. After filling in the filter items, click the button to export the order information under the filter item into a summary form for easy statistics and analysis. When exporting orders, you can customise the desired time zone, and all the time in the order will be converted according to the selected time zone. At the same time, you can download the payment voucher for a single order and select the download time zone on the page for time conversion.
7.3 View and download batch details
Enter the → page and select tab. Choose the specific batch order, and click the “Export” button after completing the filter items. Or you can export disbursement information via page. Please notice that you can set the time zone as you need on this page and the time of the transactions will be updated accordingly.
8. Risk Management
8.1 Merchant blacklist management
Risk control configurable blacklist, merchants can blacklist users (ToC consumers) and prohibit their transactions
- Blacklist Overview：This page mainly provides merchants can customize the blacklist blocking function in the platform and view the order blocking status.
- Blacklist Config：Supports merchants to upload or edit 5 types of blocking information: user number, card number (first 6 and last 4), IP, card BIN country, card BIN.
- Blocked Order：The specific records of interceptions support filtering by merchant order number, order status, country, etc.
8.2 Local Bank Collection List
After the merchant uploads the configuration on this page, it requires OMC review and approval by PayerMax's Risk Control Operations before it takes effect.
8.3 Acquiring whitelist management
The whitelist can only be configured with the card number OR the user ID.
- Acquiring whitelist overview TAB：
- Acquiring whitelist configuration TAB：
- Add whitelist：
9. Chargeback
9.1 Chargeback Search
Enter → ，filtering time, click to view the details of the dispute：
9.2 Uploading of defence materials
Upload Path： → , click to upload materials
Required uploads for disputes: Response materials are listed in the body of the dispute email and are usually:
User information (user registration information, such as name, UID, cell phone number, email, IP, etc.)
Order ticket (transaction content, quantity, payment amount, payment currency, user name, etc.)
Consumption information (detailed flow of recharge and consumption that has not been disputed in the user's history as well as the current recharge and consumption records)
Shipping records (if any) (logistics list, etc.)
Communication records (if any) (records of communication with users, etc.)
Any other materials that can prove that you have faithfully provided the goods/services on time Depending on the reason for the initiation of the dispute, the materials to be submitted by the merchant may be more focused, as shown in the body of the dispute email/the template of the defense materials provided by the merchant platform.
Required uploads for disputes：Response materials are listed in the body of the dispute email and are usually:
User information (user registration information, such as name, UID, cell phone number, email, IP, etc.)
Order ticket (transaction content, quantity, payment amount, payment currency, user name, etc.)
Consumption information (detailed flow of recharge and consumption that has not been disputed in the user's history as well as the current recharge and consumption records)
Shipping records (if any) (logistics list, etc.)
Communication records (if any) (records of communication with users, etc.)
Any other materials that can prove that you have faithfully provided the goods/services on time
Depending on the reason for the initiation of the dispute, the materials to be submitted by the merchant may be more focused, as shown in the body of the dispute email/the template of the defense materials provided by the merchant platform.
9.3 Chargeback Alert Search
9.3.1 Privilege opening
Administrator: default open the permission of refusal to pay warning function;
Operator: not open by default, need to be visible in the menu after the administrator assigns the authority;
9.3.2 Search path
- Login to MMC, click → menu. When the merchant has not activated the chargeback alert function, enter the chargeback alert search will show the initialization page;
After the merchants open the Chargeback Alert function, click → menu, you can view the Chargeback Alert order.
- Support searching Platform Order Number, Platform Refund Order Number, Alert Order Number, User ID, and also support filtering Refuse Alert Orders according to Refund Status, Refund Processor, Country/Region, and Time.
- Click on the to view the original transaction order details of the rejected warning order；
- Click on the to quickly filter out the alerts to be processed by the merchant.
- After filtering the order, click to download the corresponding chargeback alert order detail file.
10. Settlement Service
10.1 Get the settlement cycle
You can go to the → page and check the contract details. Here are the settlement cycles based on different payment methods:
For wallets and bank-transfer type, the settlement cycle is typically T+2 weeks, starting from Monday.
For carrier-billing payment methods, the settlement cycle is usually T+2 months.
If you have applied for a special settlement cycle, the platform will settle according to the specific cycle. We will also update the settlement account period feature in the future to help you better understand the settlement situation on the Payermax platform.
10.2 Settlement Statement Generation
The system generates multiple settlement statements based on the dimensions of [settlement cycle × transaction country × settlement currency], you can go to → page to view the details. Support querying settlement overview based on transaction completion time/settlement time. The query includes settlement amount statistics, settlement date (billing date), settlement status, etc. You can select multiple settlement statements and export a summary of settlements and corresponding settlement details.
By clicking on the settlement statement details, you can also view the specific details of the settlement, including the settlement amount, exchange rate, transaction quantity, and the breakdown of the amount calculation.
- If you withdraw funds by amount, the Settlement view only displays the Settlement TAB.
- If you follow the statement to settle to top-up or settle to the card, the settlement view can provide the Settlement Payment Order TAB
10.3 Settlement Funds Inquiry
When the settlement statement is generated, funds are deposited into the acquiring account (for integrated merchants, it goes into the acquiring balance in the local currency, for non-integrated merchants, it is converted to USD and then deposited into the acquiring balance).
The funds are settled into the acquiring × currency account corresponding to each settlement statement based on the amount and currency of each statement.You can view the specific fund movements by accessing the Income and Expense Details page, as shown in the following figure:
Note：
To view the details of funds deposited into the balance, you can use the following filters: select Acquiring Account for the account, select All for the currency, and select Settlement for the business.
10.4 Settlement Fund Operations
Merchants can open the → page to view the actual amount in the Settled Payment account under the section (this amount is an estimated value in USD calculated based on real-time exchange rates for all currencies converted to USD, the actual amount is still in respective currency accounts). At the same time, merchants can perform Settlement to top-up or Withdrawal operations for this acquiring amount.
10.5 Settlement Report
View Settlement bill.