Processing Settings

Configure payment processing capabilities, pricing, limits, and funding for processing accounts

Processing settings control how processing accounts handle payments, including which payment methods are accepted, pricing structure, transaction limits, fraud prevention features, and funding configuration. Each processing account has a set of processing settings that define its payment processing capabilities and behavior.

Prerequisites

Before configuring processing settings, it's helpful to learn about the following topics.

What are Processing Settings

Processing settings define the complete payment processing configuration for a processing account. They encompass several key areas:

• Card Processing - Enable card payments, set which card types are accepted, configure pricing, transaction limits, and fraud prevention features like AVS
• Bank Account Processing - Enable bank account payments, configure ACH processing, set pricing, enable account verification and balance checking
• Funding Configuration - Control funding style, funding delay, default currency, and statement descriptors
• Billing Configuration - Define how processing fees are collected and billed
• Transaction Limits - Set duplicate transaction detection and global processing limits

Common use cases

• Configure Payment Acceptance: Enable card and/or bank account payments for a processing account with appropriate pricing and limits
• Implement Tiered Pricing: Set default pricing that can be overridden by processing rules for specific transaction types or amounts
• Fraud Prevention: Configure AVS, balance checks, and account verification to reduce fraudulent transactions
• Funding Control: Define how quickly funds are made available and which account receives deposits
• Risk Management: Set transaction limits and duplicate detection windows to manage risk exposure

Card Processing Configuration

Card processing settings control how the processing account handles credit and debit card payments. Configure which card types are accepted, pricing structure, transaction limits, and fraud prevention features.

Bank Account Processing Configuration

Bank account processing settings control ACH and bank-to-bank payment acceptance. Configure pricing, verification features, and transaction limits for bank account payments.

Funding Configuration

Funding settings control how and when funds are disbursed to the processing account after transaction settlement.

Common uses for funding delay:

• Risk management and reserve requirements
• Allow time for chargebacks and disputes
• Provide clearing time to avoid rejected bank transfers

Billing Configuration

Billing settings determine how processing fees are collected and charged.

Querying Processing Settings

Retrieve processing settings to view current configuration for a processing account.

import payload
 
pl = payload.Session('secret_key_3bW9...', api_version='v2')
account = pl.Account.get('acct_processing123')
 
# Get processing account
 
# Get processing settings details
settings = account.processing['settings']
 
print(
    'Card Processing:',
    {
        'enabled': settings.card_processing.enabled,
        'allowed_card_types': settings.card_processing.allowed_card_types,
        'default_pricing': settings.card_processing.default_pricing,
    },
)
 
print(
    'Bank Account Processing:',
    {
        'enabled': settings.bank_account_processing.enabled,
        'default_pricing': settings.bank_account_processing.default_pricing,
    },
)
 
print(
    'Funding:',
    {
        'style': settings.funding.style,
        'delay': settings.funding.delay,
        'default_descriptor': settings.funding.default_descriptor,
    },
)

This example retrieves the processing settings for an account and displays the card processing, bank account processing, and funding configuration.

Transaction Limits and Duplicate Detection

Global transaction limits and fraud prevention rules apply across all payment methods.

Note: Duplicate detection applies to bank account transactions to prevent accidental duplicate charges and certain fraud patterns.

Updating Processing Settings

Processing settings are typically created automatically when a processing account is created. You can update specific fields via the API, while most pricing and billing fields require administrative permissions.

• Funding
• Card Types
• AVS
• Bank Verification
• Duplicate Detection

import payload
 
pl = payload.Session('secret_key_3bW9...', api_version='v2')
account = pl.Account.get('acct_processing123')
 
# Get processing account
 
# Update funding style and descriptor
account.processing['settings'].update(
    funding={
        'style': 'netted',
        'default_descriptor': 'ACME CORP',
    }
)
 
print('Funding configuration updated')

import payload
 
pl = payload.Session("secret_key_3bW9...", api_version="v2")
 
# Get processing account
account = pl.Account.get("acct_processing123")
 
# Update allowed card types and convenience fee allocation
account.processing["settings"].update(
    card_processing={
        "allowed_card_types": {
            "credit": True,
            "debit": True,
            "prepaid": False,
        },
        "default_pricing": {"conv_fee_alloc": 0.5},
    }
)
 
print("Card types and convenience fee allocation updated")

import payload
 
pl = payload.Session('secret_key_3bW9...', api_version='v2')
account = pl.Account.get('acct_processing123')
 
# Get processing account
 
# Enable and configure AVS
account.processing['settings'].update(
    card_processing={
        'features': {
            'avs': {
                'enabled': True,
                'threshold': 'street_match',
                'nonparticipating_regions': 'decline',
            }
        }
    }
)
 
print('AVS fraud prevention enabled')

import payload
 
pl = payload.Session("secret_key_3bW9...", api_version="v2")
account = pl.Account.get("acct_processing123")
 
# Get processing account
 
# Enable balance checking and micro-deposit verification
account.processing["settings"].update(
    bank_account_processing={
        "features": {
            "balance_check": {
                "enabled": True,
                "services": {"plaid": True},
            },
            "enhanced_account_verify": {"enabled": True},
        }
    }
)
 
print("Bank account verification features enabled")

import payload
 
pl = payload.Session("secret_key_3bW9...", api_version="v2")
 
# Get processing account
account = pl.Account.get("acct_processing123")
 
# Update duplicate transaction limit
account.processing["settings"].update(
    limits={
        "duplicate_limit": "24 hours",
    }
)
 
print("Duplicate limit updated to 24 hours")

Schema Reference

The following fields define the processing settings configuration:

ProcessingSetting Schema

Complete configuration object for processing account payment handling:

Refer to the configuration tables above for detailed field descriptions and API updateability. The schema includes nested objects for card processing, bank account processing, funding, billing, and transaction limits.

Next Steps

Fine-tune pricing with rules, implement fraud prevention, and configure advanced processing features

Create Conditional Pricing with Processing Rules

Configure processing rules to apply conditional pricing, funding delays, and processing behavior based on transaction characteristics like amount, card type, or payment method.

Configure Automated Funding

Set up automated funding to control when and how funds are disbursed to processing accounts after transaction settlement.

Enable Fraud Prevention

Implement fraud prevention features like AVS, balance checks, and account verification to reduce chargebacks and failed transactions.