WorkWave® Payments FAQ
What You Need To Know
About WorkWave Payments
What is WorkWave Payments?
WorkWave Payments is the exclusive, streamlined payment processing solution seamlessly integrated into WorkWave’s software suite. Specifically designed to securely process to the highest payment-industry standard and manage customer payments, WorkWave Payments also provides businesses with cutting-edge payment enhancements to provide much-needed payment flexibility to their customers.
What are the benefits of joining WorkWave Payments?
Not only does WorkWave Payments enable businesses to easily secure reliable recurring revenue with the ability to securely store customer payment information on file at no added cost, but the majority of customers on WorkWave Payments save money when it comes to their processing costs.
Additionally, WorkWave Payments provides businesses:
- The only fully integrated payment processing solution for WorkWave products (i.e.: WorkWave PestPac, PestPac Lite, and Service)
- Removal of manual, double entry operations due to streamlined payment processing
- One flat processing rate for all card payment types, including American Express
- Elimination of select fees, such as Cards on File, PCI Compliance, etc.
- Simplified daily net payouts for all transactions across all cards
- Option of net or gross fee settlements
- Secure merchant portal where users can dispute chargebacks and review all transactions and fees processed
- An easy, seamless application process
- A single point of contact for all payment and software-related needs
- Aligns with current WorkWave software license agreements (i.e.: co-terminus)
Are my transactions
Absolutely. WorkWave Payments has been certified PCI Level 1 compliant from the very beginning and maintains this accredited status today; you can click here to view our PCI Level 1 Compliance badge. PCI Level 1 is the highest level of the PCI standard mandated by the card brands and administered by the Payment Card Industry Security Standards Council. Additionally, as of April 2020 WorkWave Payments has been added to the Visa Global Registry of Service Providers which acknowledges service providers that have shown their commitment to security by meeting the requirements of the PCI Standard.
What is my rate?
Your WorkWave Payments rate will be based on your credit card volume activity. For a free rate comparison and consultation with our WorkWave Payments expert, Ian Pauline please call (800) 762-0301 x209. Please be prepared to provide six months of prior payment processing statements for reference.
How do I apply for WorkWave Payments?
Contact a WorkWave representative at (866) 794-1658, or simply fill out the form at the bottom of our WorkWave Payments page here.
How long does the WorkWave Payments approval process take?
Approval time is approximately 72 hours or less after all necessary application information is received. Once approved, we will notify you immediately.
Do I need a business license to use WorkWave Payments?
Requirements vary according to the level of risk associated with your business. A business license is one type of item that satisfies the premise inspection requirement. But if you have different acceptable documentation for this requirement, that will suffice.
Do I need a business checking account?
If you are a corporation, then yes. If you are a sole proprietorship, you may use either your business or personal checking account.
What if I have less-than-perfect credit*?
Technically, your personal credit score does not affect your merchant account rates. But if you have a low credit score there is the possibility that you may not be eligible.
Do I have other payment options?
WorkWave Payments is the exclusive integrated payment processing option for WorkWave customers, as WorkWave will no longer be supporting the integration of any outside payment processing or gateway solutions. This allows WorkWave to save on what would otherwise be the upkeep of various payment processors, and by extension be able to pass those savings onto our merchants via competitive rates and reduced processing costs.
What credit cards can I accept with WorkWave Payments?
You will be set up to accept bank ATM debit cards, Mastercard®, Visa®, American Express® and Discover®. In addition, you will be able to accept ACH transactions.
Do I need to have an American Express® or Discover® account before I apply?
No, you do not.
How will I get my money?
In a card payment transaction, WorkWave receives authorization and passes it back to your software so the sale can be completed and a receipt issued to the cardholder. The card issuer bills the cardholder’s account and pays WorkWave, who deposits the transaction proceeds into your bank account, typically within two business days; this deposit timeline may take a bit longer for high risk businesses. Additionally, you have the option with WorkWave Payments to choose whether you would like your fees withheld daily (net fee settlement) or separately withdrawn at the end of each month (gross fee settlement); this provides your business added flexibility with the ability to choose how often you want your processing fees taken out.
Will I receive a statement?
Yes. You will receive a monthly statement which will have a clear breakdown of the transactions that were processed and the processing fees that were assessed.
Does exceeding $1 million change my relationship with WorkWave?
No. This does not change your relationship with WorkWave or the manner in which any of your card transactions are processed (above or below $1 million).
Do I have to sign further agreements if/when my card transaction volume exceeds $1 million?
No, you will not have to sign any further card processing contracts if/when your card transaction volume exceeds $1 million, since the required terms and conditions are already included as a component of the WorkWave Payments Terms of Service.
Where are the latest terms and conditions for WorkWave Payments?
The two forms of agreement that are agreed to in our PO can be found here.
Do you offer Account Updater?
Yes, Account Updater is included with the initial WorkWave Payments proposed rate and is included at no added cost. If a lower rate is provided, Account Updater may no longer be included at no added cost and a 5 BPS rate increase may be required.
I am interested in the discount partnership you have with Target Specialty Products™. How do I sign up?
We are very excited to share this unique offering to our WorkWave customers. To sign up for this discount program, you will need to have an active WorkWave PestPac software account in good standing, as well as an active WorkWave Payments merchant account. Should you have both of these accounts, you can then apply to become a Target Specialty Products member. More information can be found here.
How do I migrate my credit card tokens from WorkWave Payments?
To transfer tokens from your WorkWave Payments merchant account you will need to complete a token transfer request form; your Account Manager will be able to provide this to you. Token migrations can take up to 6 weeks for completion and carry the cost of $3,000 per token migration request per MID. Additionally, should you wish to terminate your WorkWave Payments service ahead of the agreed upon date as specified in the sub-merchant agreement contract, an early termination fee of $500 will also apply.
Is there a customer support number that I can call for help?
Yes, our customer support team is available from 9am-5pm ET. You will have live, toll-free merchant assistance by calling (800) 762-0301. Additionally, support cases can be logged and/or tracked via our Community site.
Do I need to be a WorkWave Payments customer to use check scanning?
Yes, you can get started on WorkWave Payments by contacting your sales representative, or by completing the form on the WorkWave Payments product page and a representative will contact you.
How does mobile check scanning work?
Within the Payments menu of your PestPac Mobile App, select “Check,” enter the check amount, take a photo of the front and back of the customer’s check, and click “Process Check.”
Is there a limit to the dollar amount of checks I can deposit from my mobile device?
From a mobile device, there is a $10,000 limit per check.
Do I need to be connected to the internet to use mobile check scanning?
To process checks with the PestPac mobile app, you will need to be connected to the internet.
Is check scanning included in my WorkWave Payments?
Speak with your sales representative about services included with WorkWave Payments.
How do I apply for check scanning?
To add check scanning to your existing Payments service, a new merchant application must be completed and approved to keep your financial information encrypted and in compliance with federal government requirements.
How does WorkWave Payments back-office scanning work?
Using a desktop-enabled scanner, multiple checks are digitized at once. Payment data details from each check are automatically entered into your PestPac software. No manual entry is required. Once you have verified details and released payments, WorkWave will process the checks and settle payments into your bank account within 2 - 3 business days.
I’m already using back-office check scanning with my bank, how do I make the switch to WorkWave Payments check scanning?
Switching is easy. Whether you already have a compatible check scanner of your own or need to purchase one, the WorkWave Payments team will help you to start scanning and processing checks right away.
What kind of back-office check scanners are compatible with WorkWave Payments?
You will find the full list of compatible scanners below.
- Digital Check CX-30 – 15 docs per minute, single-feed
- Panini VX50.1.FF.IJ – 50 docs per minute, 100 doc pocket, Inkjet
- Panini VX50.1.FF.NJ – 50 docs per minute, 100 doc pocket
- Digital Check TS240-50 with Inkjet – 50 docs per minute, 100 doc pocket, Inkjet
- Digital Check TS240-50 no Inkjet – 50 docs per minute, 100 doc pocket
- Panini VX75.1.FF.IJ – 75 docs per minute, 100 doc pocket, Inkjet
- Panini VX75.1.FF.NJ – 75 docs per minute, 100 doc pocket
- Digital Check TS240-75 with Inkjet – 75 docs per minute, 100 doc pocket, Inkjet
- Digital Check TS240-75 no Inkjet – 75 docs per minute, 100 doc pocket
- Panini VX100.1.FF.IJ – 100 docs per minute, 100 doc pocket, Inkjet
- Panini VX100.1.FF.NJ – 100 docs per minute, 100 doc pocket
- Digital Check TS240-100 with Inkjet – 100 docs per minute, 100 doc pocket, Inkjet
- Canon CR190 – 190 docs per minute, 100 doc pocket, Inkjet
- Digital Check SmartSource Adaptive – 105 checks per minute, up to 78 full-page (8.5” x 14.2”) documents per minute
When can I see the check payment transaction within PestPac?
Once the submission is complete, you will be able to see the check payment referenced in the payment batch within PestPac.
How long does it take to settle check payments to my bank account?
Check payments will settle to your bank account within 2-3 days, making reconciling and reporting easy.
Are checks deposited individually to my bank account?
No, one daily deposit will settle into your bank account.
Is there a check transfer fee charged for each deposit?
No, check transfer fees are never charged.
Do I still need to keep paper checks after scanning?
It is encouraged that you safely store paper checks until processing is complete and payment has been settled. Check with your bank for more information.
What is a Mobile Terminal?
The Mobile Terminal is a POS device that allows payments to be taken anywhere by using a physical card to swipe, dip or tap; it also allows for use of digital wallets like Apple Pay, Google Pay and Samsung Pay.
How does the Mobile Terminal work?
The Mobile Terminal pairs to the PestPac Mobile App using the internet and Bluetooth technology.
Are payment processing fees cheaper using the Mobile Terminal?
Processing fees vary by credit card company but the most secure way for a merchant to collect payments is when a customer uses their card to swipe, dip, or tap, or when a digital card is present. This reduces the risk associated with the transaction, making the fees much less expensive compared to other methods of payment.
Can I use a POS device that I already have?
No; the Mobile Terminal is configured for use with the PestPac Mobile App and will not work with other devices.
Where can I purchase a Mobile Terminal?
You can get started by contacting your sales representative. Alternatively, you can complete the form on the Mobile Terminal feature page and a representative will contact you.
Does the Mobile Terminal work on Android and iPhone?
Yes, the Mobile Terminal is supported by both operating systems.
Do I need an internet connection to use the Mobile Terminal?
When using Mobile Terminal alongside PestPac Mobile, an internet connection for both is needed.
How is the Mobile Terminal powered?
The Mobile Terminal is powered by a rechargeable battery.
Does it take longer for my debit and credit payments to settle using the Mobile Terminal?
No, it does not take any longer to get paid when processing from the Mobile Terminal.
What message will I receive on PP mobile and on the Mobile Terminal when a card is processed?
On the Mobile Terminal, you will receive a screen stating the following: "Credit Card Read Successfully”.
What is PayVus?
PayVus® is the program manager for the WorkWave Business Builder VISA Card, a prepaid and revolving credit card designed to help you maximize your money for purchases related to your business – like equipment, inventory, vehicle and building repairs, gasoline, and other related expenses.
How does the WorkWave Business Builder Visa program work?
A percentage of your daily settled sales is applied to the WorkWave Business Builder Visa. The percentage ranges from 15%-100%. Every business day, the prepaid funds accrue and are always applied first to purchases. If you run out of prepaid funds, you will have access to the credit line for which you were approved during your application process.
As long as you don’t exceed the prepaid funds available on your card, you will never have to make a payment or be charged any interest. If you do access your credit line, you won’t be assessed interest if you pay back the outstanding balance before the end of the billing cycle. [In most cases, the ongoing incoming prepaid funds will cover the outstanding credit line balance – but this will vary based upon your account activities (e.g., outstanding credit line balance, billing cycle end date, the average daily amount of funds loaded onto card account.)] Any month-end outstanding amount due on your WorkWave Business Builder Visa is paid directly by logging into the cardholder online account, which you can access by clicking here.
Where can I use the WorkWave Business Builder Visa?
Anywhere VISA is accepted.
Are there any limitations to what I may purchase with WorkWave Business Builder Visa?
You may purchase anything where Visa is accepted – either in-store or online.
Do I need to be a WorkWave Payments customer to apply?
Yes, WorkWave Payments customers only are eligible to apply.
How do I apply for the WorkWave WorkWave Business Builder Visa?
To get started, click here and select “Apply Today.” You will receive a secured email containing the WorkWave WorkWave Business Builder Visa cardholder application.
Can I get additional cards for my employees to use for business expenses?
Absolutely. You may order as many additional cards as needed from PayVus for a $5 one-time processing fee per card. To order, go to the Manage Cards section of the PayVus cardholder online account and provide the requested information.
How much credit will I qualify for?
Credit line amount ranges from $100 to $10,000, as determined during the WorkWave Business Builder Visa new account application process.
What is the Annual Percentage Rate, Annual Fee, Grace Period and other terms and conditions of the card?
The Annual fee is $95 for the primary cardholder account. This does not apply to additional cards linked to the primary card. APR is 15.75% + prime. Click here to review all terms and conditions.
How long will it take to learn the approval status for the WorkWave Business Builder Visa?
Within 1-2 business days after submitting the application, you will receive an email detailing approval status.
How long will it take to receive the card after my application is approved?
WorkWave WorkWave Business Builder Visa card should arrive within 5-7 business days after receipt of the approval email.
Upon receipt of my WorkWave Business Builder Visa card, may I make purchases right away?
You may begin using the card for purchases upon completion of the initial funds load from your daily settled sales, which takes approximately five business days from card activation.
How do I change the percentage amount of daily settlement funds loaded onto the card?
In the “Accounts” section of the PayVus cardholder online account, you control this feature by moving the sliding bar left or right from a minimum of 15% to a maximum of 100%. Changes made before 4 p.m. ET on a business day will be applied immediately to subsequent fund loads to the card.
If I have a balance due, how do I make payments?
You can make payments within the PayVus cardholder online account or by phone via the customer service number on the back of the WorkWave Business Builder Visa.
Who do I contact if I have questions about transactions conducted on WorkWave Business Builder Visa?
All customer service is handled directly by PayVus. Call the number located on the back of the WorkWave Business Builder Visa. For general inquiries about the PayVus program, contact WorkWave: 800-732-0301 (option 3) or at https://workwave.com/support
*Customers may be ineligible for WorkWave Payments if they have not been approved by WorkWave during its onboarding process, which includes completion, verification and approval of all Know Your Customer (KYC), underwriting (as applicable), and other related documentation.