GrowthZone Pay processing, offered by GrowthZone in conjunction with Stripe, is available in the Plus, Premier, or Pro editions of ChamberMaster. Learn more about GrowthZone Pay and how to use it.
Requirements
What software edition do I need to have?
Plus, Premier or Pro edition is required at this time. Other editions may eventually be supported.
Can I use GrowthZone Pay payment card processing if I have the legacy QuickBooks CQI integration?
No, not at this time.
What country can I be from (my legal entity) in order to set this up?
United States, Canada, Ireland, United Kingdom, and Australia.
Do I need to be using the updated event registration?
Yes. The GrowthZone Pay integrated payment card solution is only available with the updated shopping cart, which is only part of the updated event registration.
If using the ACH and bank account storage feature, what countries are supported for where the bank account can be located?
United States banks only.
What currency types are supported for the amounts that will be charged to their cards?
US dollar, Canadian dollar, Euro, English pound, and Australian dollar. You will select your default currency type that will be used on all transactions on the Account Setup screen.
What payment card types are accepted?
Both debit and credit cards are accepted. U.S. businesses can accept Visa, MasterCard, American Express, JCB, Discover, and Diners Club. Canadian, Australian, and European customers can accept Visa, MasterCard, and American Express. You can also accept gift and prepaid cards that are one of the above types.
Setup Questions
What are the steps involved to get started?
Three easy steps are required to start accepting payments. Click here to watch a short demonstration video or click here for more information on the initial setup process.
- Log in to your database and complete the Account Setup screen.
- Modify any credit card settings if needed.
- Run a quick test.
How long does it take to get set up? Can I process credit card transactions immediately?
Yes. You can receive charges into your bank account immediately for up to ~$2,000 after simply submitting the form with the minimum required fields completed. However, if Stripe needs more information to complete the verification process, transfers of money beyond ~$2K into your bank account will be suspended until after your account has been fully verified.
Will I be notified when my account is verified?
Yes, an email will come to the email address entered when you fill out your Account Setup information. If no email address was entered there, then the email address listed under Billing > Reports > Other Reports, Features, and Settings will be used, or lastly the email address under Setup > Organization Information. You can also check your status under Setup > Billing Options & Settings in the Credit Card section. Details Verified will change to True once you've been verified.
Where do I enter my verification information?
A: Under Setup > Billing Options & Settings in the Credit Card section. Click Account Setup.
If I switch to GrowthZone Pay, does GrowthZone contact my previous processor?
No. Your account with your previous processor is your responsibility to close out or maintain and this should be done promptly.
Are there any businesses, business activities, or business practices that I may not accept payment from?
Yes. As part of your agreement with Stripe and GrowthZone, you agreed to never accept payments in connection with the businesses, business activities, or business practices listed here.
What types of cardholder verification are supported?
CVV and address verification.
Can I have more than one bank account where the transfers are deposited?
Although you can have more than one bank account listed in the Account Setup, only one of those can be active at a time. Indicate which bank account is active by selecting the default account for your currency type when editing the bank account information under Setup > Billing Options & Settings in the Credit Card section.
What type of security do you have in place?
Security is of supreme importance in our implementation and in who we partner with, which is one of the reasons we partnered with Stripe, Inc. GrowthZone does not store, process, and/or transmit cardholder data. GrowthZone has implemented GrowthZone Pay using an API provided by Stripe which provides a method for securely sending sensitive information to Stripe directly from the customer’s browser. Collection, storage, and processing of all cardholder data are all handled by Stripe, Inc.
Security measures provided by both GrowthZone and Stripe meet and maintain the high standards required by PCI-DSS security compliance. GrowthZone conducts and passes monthly PCI compliance scans to ensure we remain in compliance with areas that apply to us. Stripe has been audited by a PCI-certified auditor and is certified to PCI Service Provider Level 1, the most stringent level of certification available. Stripe is also a participant in the PCI Security Standards Council. See Stripe’s website for their answer to their security compliance.
Do I need to create my own cybersecurity policy?
Your organization’s risk and responsibility in regards to the implementation within GrowthZone’s software is minimal due to the security methods in place by both GrowthZone and Stripe however, the source of security breaches are varied and if it came down to an investigation, might be part of your responsibility as well. We never discourage an organization from creating and maintaining its own information and cybersecurity policy for managing risk or obtaining its own cybersecurity liability policy. With vulnerabilities and threats constantly evolving and the future unknown, of course, being prepared is always the best practice. Legally speaking, however, nothing is required on your end. Read more on cybersecurity policies here and view Stripe’s legal conditions here.
Why do I need to agree to Stripe's terms of agreement when signing up?
GrowthZone has implemented GrowthZone Pay payment card processing using an API provided by Stripe. As part of our agreement with Stripe in using their API, our customers (you) need to agree to both our terms of agreement for GrowthZone Pay integrated credit card processing and Stripe agreement. In the agreement, you are considered the Connected Account and GrowthZone is the Connect Platform.
Who is Stripe?
Stripe started in 2009 and is now considered an elite startup company after striking a deal with Apple and Twitter in September 2014.* Stripe stands out from rivals for the amount and ease of code it offers, which lets software programmers quickly incorporate payment features into their apps. They are based in San Francisco with worldwide offices. It is currently implemented in checkout carts of Twitter, Kickstarter, Shopify, Salesforce, Lyft, and others.
Is Stripe PCI compliant?
Yes. See their information listed here. Stripe undergoes a PCI Level 1 Service Provider evaluation each year, the most stringent level of security certification available in the payments industry. You can verify our PCI compliance status in Visa's service provider registry here. You may now download Stripe's latest Attestation of Compliance (AoC) from the PCI Security Standards Council through your dashboard for review here. Typically, sharing this information with your auditor is sufficient to assuage any concerns about our PCI environment.
Any credit card/debit card or banking details are stored through ChamberMaster/MemberZone using GZPay.
Day-to-Day Operations
What types of features are available to me?
GrowthZone Pay processing allows you to start accepting payment cards as payment for event registrations, on your membership application, and for invoices in the Member Information Center. You can also set up features such as recurring payment cards and bank account billing (US banks only). And your members now have the convenient option of storing their payment cards and/or bank account (US banks only) for convenience when paying online.
Where can I find details on how to use these features?
Check out more about GrowthZone Pay here and learn more about the features that come with GrowthZone Pay here.
Does GrowthZone Pay processing allow us to attach a swipe device?
Yes. Check out the resources here.
Is there a minimum purchase that can be made?
Yes - 50 cents.
What is the maximum size for my Statement Descriptor?
The maximum size is 22 characters. This is the phrase that will appear on your customer's credit/debit/bank statement.
Will I know which staff person processed the single, direct transactions that do not create a billing transaction?
Yes. Entries are recorded in the Setup > System Event Log when any transaction is made to the GrowthZone Pay processor. The single, direct transactions specifically mention the name of the staff person who ran the transaction.
Why did my transfer not show up in my bank account?
Check out some possible reasons here.
Will I receive any emails when purchases are made?
Yes. An email from the database will come to the email address listed under Setup > Billing Options and Settings in the Credit Card section.
The person who signed up for this account is no longer with the organization. How do I make sure to update this account with an updated contact name?
Contact GrowthZone support via email with the name of the contact that you’d like to have listed as the contact. An email verification will be sent back to you stating that this change has been made.
How do I issue a refund?
Click the Refund link on the Payment Processing Report or on a fully applied payment. Then follow the steps for creating the appropriate bookkeeping entry.
How do I deactivate/close my account with Stripe and GrowthZone?
Contact GrowthZone Customer Service who will deactivate your Stripe account.
How soon will my customer see the refund in their account?
The customer will receive the funds from a refund in their account approximately 5–10 business days after the date on which the refund was initiated.
Are the fees returned to me when doing a full refund?
No. When you refund a charge, the fees you paid to process the charge are not returned to you. The full amount of the charge, however, is returned to your member.
How soon is money deposited (transferred) into my account?
Your very first deposit may take up to 7 days to be deposited. After that, deposits (transfers) are made daily and are typically composed of the payments that were processed two days prior for most US and Australian customers; and seven days for other countries. Also, keep in mind that transfers that are scheduled on weekends or holidays won’t be accepted by your bank until the next business day. Also, some US and Australian customers may initially be set for a seven-day transfer while business activity is evaluated. On occasion, banks may take 2-3 additional days to post funds.
I did a refund today. Does the refund display on my Payment Processing report?
The Payment Processing report is just that - it shows the payments that have been processed or attempted to be processed (failures). It does not itemize refunds in a line of its own. Refunds are visible in the Monthly statement and then they are detailed in the Bank Account Deposits/Transfers report as a Payment Refund and an Adjustment. When balancing for the month, check the Monthly Statement for refund quantity and total, and then find the adjustment in the Deposits/Transfer report and use the Txn ID (starts with ch_) that is being refunded if you need to locate the original payment.
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NOTE: If you go back to the original payment on the Payment Processing Report, it will display (Refunded: $amount) and the Refund link will no longer be available if fully refunded. |
Why does the date listed on the Deposit/Transfer report not match the date of the actual deposit into my bank?
The Date identified as the Deposit/Transfer date is the intended/scheduled deposit date indicated by Stripe. The actual deposit date could possibly be delayed most commonly because most banks do not process transfers on weekends.
Do all credit card transactions carry over to the Journal Entry Export report?
No. Payments, Receipts, and Refunds (negative Sales Receipts) that are automatically created by the software will be included in the JEE. However, you will need to make a manual adjustment in your accounting software to record processing fees, dispute fees, or chargebacks, as those will not be deducted from the journal entries. Use your Bank Account Deposits/Transfers report to find the totals of each deposit for what will need to be adjusted.
For QuickBooks users using the detail journal entry export option, it is recommended that deposits are handled within QuickBooks. Be sure to select the ‘Exclude Deposits’ option at the time of export. When the deposit is recorded in QuickBooks a line item can be added to account for the total amount of the fees that were withheld from each transaction resulting in a net deposit that will match bank statement activity. View detailed steps here.
How do you recommend I record my transaction fees so that my deposits match what is actually being deposited?
Include the transaction fee amount, which is shown on the Bank Account Deposits/Transfers report, as part of your deposit in your accounting software. View detailed steps for those using the detail Journal Entry Export with QuickBooks desktop.
We want our members to pay off their annual dues by paying 3 equal payments in 3 consecutive months. Can we automatically charge a card for consecutive months in a row and then stop charges for the remainder of that year?
Yes, this can be set up to accommodate any number of consecutive equal payments. How? Assign a monthly epayment fee item to this member and set the Status to Active in Date Range. The Start Date should be the 1st month that you want the payment to be charged and the Expiration to the month of the last payment (inclusive). The amount charged per month will be the Fee Amount / 12 so you will need to inflate the Fee Amount assigned so that when it divides by 12 it will be what you want to charge monthly. The example shown here would charge $400 in April, May, and June totaling a $1200 annual fee but requires putting $4800 in the Fee field. (Note: the Fee field is not visible to members or in your accounting totals)
Can we set our ePayments to charge on a particular day of the month?
If you have enabled Allow Automatic ACH/Credit/Debit Card Charges under your Billing Options & Settings, you will be able to select a particular date for e-payment charges. If you have NOT enabled this setting, your ePayment charges happen on whatever day you log in to the software and click to process the epayment batch. See How to Setup Autopay for further information on implementing automatic charges.
What if I already have automatic credit card processing with a third-party company but want to get set up with GrowthZone Pay recurring charges?
No problem. Follow the steps for Setup Recurring Charges but modify the initial message to indicate that you are changing your processor and need your member's help. In addition, follow these steps:
- If members were assigned a manual epayment fee when set up with your third-party company, switch it to the appropriate epayment selection once the member has entered the new epayment profile into the MIC. You can continue to run your epayment batch with a mix of manual and automatic epayment in the batch.
- If members were not assigned either a manual or epayment fee when set up with your third-party company, no additional steps are needed - just assign the epayment fee once the member enters it into the MIC.
Can I apply a Surcharge to a Credit Card Payment via ChamberMaster/MemberZone?
ChamberMaster/MemberZone does not have the ability to apply a percentage charge to invoices to cover credit card fees. We did investigate the option for a while, but due to the complexity of the implementation, it was decided that it was not a feature we would be able to develop:
Surcharging or the action of passing the credit card fees of a transaction onto the purchaser requires adhering to regulations that can be quite complex. The calculation of the surcharge has to take into consideration potential variables like state laws, shipping address, customer address, and the amount and the type of card used to avoid running afoul of the law and violating the merchant agreement. Several states, including Minnesota, do not allow surcharging practices at all. Trying to simplify the calculated surcharge on a given transaction by using a flat percentage rate for all transactions paid by credit card is not an option for us because it is grossly non-compliant. Given the core competencies of the software we build, we can’t logistically engineer and maintain a surcharge calculation tool accurate enough to remain in compliance. While we are not able to offer this capability at this time, there are emerging technologies in the market to offload these calculations via a third party. We are actively monitoring such services and may be able to take advantage of them when they become more compatible and feasible to integrate with our eCommerce architecture.
Member Use
My member stored a bank account as one of their payment profiles in the Member Information Center but it says "Unverified" next to it. What does that mean?
The member’s bank account needs to be verified as being a valid bank account. To do that, the member needs to check their bank account for two small deposits that will have been made. Then they enter those amounts into their payment profile where indicated. 
The deposit items, labeled "MemberZone TRANSFER VERIFICATION", will typically show on the next business day after the account was created.
My member has entered a payment profile for their bank account in the Member Information Center. Why doesn't it show as an option under "Charge to ACH, debit or credit card" when I go to assign and set up their recurring charges?
The bank account will not show in the "Charge to ACH, debit, or credit card" selection drop-down list until the account has been verified.
Why was a member’s charge declined?
Declines can happen for a variety of reasons. When we submit a charge to your customer’s bank, they have automated systems that determine whether or not to accept the charge. These systems take various signals into account, such as your customer’s spending habits, account balance, and card information like the expiration date and CVC. Since these signals are constantly changing, a previously successful card might be declined in the future. Even if all of the card information is correct, and your customer previously had a successful payment, a future charge can still be declined by a bank’s overzealous fraud systems.
How do I find out more information about a specific decline?
If all of the card information seems correct, it is best to have your customer contact his or her bank, inquire for more information, and ask for future charges to be accepted.
How do I decrease the likelihood of declines?
The correctness of the card number, the expiration date, and the CVC are the primary factors used by the customer’s bank when deciding whether or not to accept a transaction. Collecting the CVC can significantly decrease your decline rates. If you’re not collecting CVCs and you’re having issues with declines, requiring the value can be a quick fix. The influence of other data that you collect, like the address or name, varies by card brand. For example, only American Express considers the customer’s name. If you are still seeing troubles with declines after collecting the more influential fields, it might be worthwhile to collect this additional data.
Disputed Charges
See GrowthZone Pay Dispute FAQs for more information.
What happens if a charge is disputed?
An email notification is sent to the address listed in the Payment Processing Reports/Management Tools that indicates the details of the dispute and gives directions on how to resolve the dispute.
What information does a sample dispute email notification include?
Where do I enter dispute information?
Follow these steps:
- Access the Payment Processing Report under the Billing > Reports tab.
- Select the filter “Unresolved disputed transactions regardless of date”.
- Click Refresh Report.
- Click the link next to the disputed charge.
- Follow the instructions on the next screen. Entering as much evidence as possible prior to the date listed.
- Once evidence is submitted, the link next to the charge will change to “under_review” while it is being reviewed. During this time, you may re-submit evidence up to 4 times before the indicated deadline. Allow 60-75 days for the review to be completed.
- When the review is completed, the status will change to “won” or “lost”.
How long does the dispute process take?
Dispute resolution can take a long time, and we know that’s frustrating. During a dispute, banking entities engage in a series of formal communications that are a rigid part of the process, and we really can’t affect the timeline set in place by the banks and card networks. You can expect a dispute to be finalized approximately 60 days from the date the evidence was due (not the date you provided evidence). If it has been more than 60 days since the bank’s evidence deadline, feel free to reach out to us and we’ll be happy to take a closer look!
What evidence do you suggest that I provide?
The evidence you’ll want to submit will vary depending on the specific case. Web logs, customer service emails, shipment tracking numbers, delivery confirmation, proof of prior refunds or replacement shipments, and so on, can all be helpful. You’ll want to provide evidence appropriate to the type of dispute—we offer suggestions here. Stripe will submit any information you can provide to your customer’s credit card company, and keep you posted afterward.
Note that it is safe to assume that requests to call a contact number, click through to further information, and so on, will not be fulfilled by the institution that is evaluating the dispute. Banks will not follow external links to view your website or files you’ve uploaded elsewhere, so it’s important to include all evidence at your disposal in your initial evidence submission.
It is extremely important to provide evidence for every dispute you hope to win, even if the cardholder/customer has told you they will withdraw the dispute.
What happens when a charge is reported as a “Fraudulent Charge”?
The disputed amount and the fee are deducted from your account the day after a dispute is received. The disputed amount and fee are refunded to your bank account if the dispute is resolved in your favor. This is referred to as a chargeback.
What happens when a charge is reported as an "Unrecognized Charge"?
Basically, an “Unrecognized Charge” is an inquiry or retrieval request that asks for information about a transaction. These usually occur after a cardholder calls their issuing bank about a charge they don’t recognize or another discrepancy on their bill. The disputed amount is not deducted from your account and no fee is charged.
- If you choose to Refund the full amount, the dispute will automatically be resolved. However, if the charge is valid and you do not wish to refund, it is always recommended that you reach out to your customer first to get more information about the reason for the dispute.
- If you reach an agreement with your customer, and they agree to withdraw the dispute, it’s still important to provide evidence (even if it’s simple text evidence indicating that you’ve communicated with them and they’ve agreed to withdraw).
Once you produce sufficient evidence to defend the transaction, this type of dispute can usually be settled in your favor. Many disputes are the result of the cardholder not recognizing the transaction and providing basic info about your business and what was purchased is usually sufficient to close the case. However, if the customer refutes your evidence, or the bank considers it insufficient, the bank might escalate the inquiry into a chargeback and begin the process of returning the customer’s funds—it’s important to resolve the case while it is still in this stage.
What is the difference between an “Unrecognized Charge” and a “Fraudulent Charge”?
Sometimes, a cardholder’s bank may initiate an investigation into a complaint before a formal chargeback. These investigations are displayed as “Unrecognized” charges, but they differ from those marked as “Fraudulent” or full chargebacks in two ways: No funds are moved during an inquiry/retrieval investigation (you retain the funds), and charges are refundable during the inquiry or retrieval investigation.
The customer indicates that the dispute was a mistake. How do I get the dispute reversed?
If you’ve talked to your customer and they’ve agreed to drop the dispute, there are a couple of next steps. First, have your customer call their bank and let them know. This is critical since the bank won’t know your customer has dropped it unless your customer tells them.
Secondly, even though the customer has already agreed to withdraw the dispute through their bank, you must still submit evidence for the dispute. Your evidence should indicate to the bank that your customer wishes to drop the dispute and must include any email evidence you have where the customer may say that. If your customer had specific complaints that led to the dispute, be sure to address those in the evidence. Failing to provide evidence even though the customer agreed to drop the dispute could still result in you losing the dispute.
Once you’ve done those two things, we need to wait for the bank to let us know that the dispute has been closed in your favor. As soon as they do that, we will return the full amount of the charge and the associated fee to you. Do note that this process can take quite a while—it’s not unusual for us to not hear from the bank for 60-70 days after the dispute. As soon as we know that the dispute is closed in your favor we will send you an email.
My customer withdrew their dispute so I could provide a refund but the Refund button is crossed-out and unavailable. What should I do?
Often, customers don’t realize that the dispute process is not simply an “easy refund” - it penalizes merchants. Most merchants are more than happy to provide a regular refund if the customer asks them to. When a charge is disputed, and the customer is willing to withdraw the dispute so you can provide a normal refund, things can get rather complicated because the dispute process generally involves more than one banking entity handling the dispute.
Without intervention, the resolution process still takes approximately 60 days from the date evidence is due - and that’s a long wait for your customer because you can’t process a refund until the dispute is resolved in your favor! There is a way to expedite the process, but it requires very specific evidence. When a cardholder withdraws a dispute, their bank will generally do two things: re-bill their card account for the disputed amount and provide them with a formal letter/communication (it might be a paper letter, an email, or a document in their online account) indicating that the dispute case has been closed. If you are able to obtain a copy of this letter or clear evidence of re-billing, you may reach out to us with this information and we may be able to close the dispute before the 60-day period ends.
Even in cases where your customer withdraws, submitting evidence is vitally important. You should respond just as you would if the customer did not intend to withdraw, but certainly, mention their intention to do so and include any correspondence you have had with your customer that indicates they will withdraw the dispute with their bank. But do respond! Evidence submission is extremely important to the dispute process and a successful resolution in your favor.
I lost a dispute, is there anything I can do?
We know how frustrating it is to lose a dispute, and we’re sorry to say that once a dispute has been lost, that outcome is final.
Disputes are decided by the cardholder’s bank, according to the bank’s process. The steps Stripe follows to help you respond to the dispute and submit evidence are rigidly defined, but the decision made by the bank can be affected by a number of factors, such as the cardholder’s specific complaint, the strength of your evidence, and the specific details of the charge. Often the decision on who wins a dispute comes down to a judgment call by the bank. Stripe has no way to affect this judgment call beyond submitting evidence on your behalf.
For this reason, it’s always best to take measures to avoid disputes. When facing a dispute, it often helps to work with the cardholder (where possible) to withdraw the dispute.
