Merchant360 User Guide
How to run your business tools – invoicing, recurring billing, estimates, customers & saved cards, checkout, gift & loyalty, vendor & contractor payments, bookkeeping, and following every dollar from batch to bank.
Getting started
Your free business hub – what Merchant360 is and how to get in.
6 topics
Mobile terminal app
Take a card or cash payment anywhere, from your phone.
10 topics
Invoices
Bill your customers and get paid online.
13 topics
Recurring billing & subscriptions
Bill on a schedule; the system chases the card so you don't.
10 topics
Estimates & e-signatures
Quote it, get it signed, turn it into an invoice – no back-and-forth.
3 topics
Customers & cards on file
One directory, with securely vaulted cards.
7 topics
Virtual terminal
Key in a card from any browser – no hardware needed.
8 topics
Billing settings
One page that shapes every invoice, receipt, and pay page – a card-by-card tour.
12 topics
Surcharge & dual pricing
Offset card costs the compliant way – a surcharge, or a cash discount.
7 topics
Payment links, widget & checkout
Let customers pay you without an invoice.
8 topics
Pay with Vault
Your customers save a card once and pay you in seconds – verified by a text message, settled to you like any card sale.
6 topics
Bank payments (eCheck / ACH)
Get paid straight from a customer's bank account, with full visibility.
8 topics
Scheduling & online booking
Appointments, work orders, and a book-online page for your customers.
9 topics
Products & services
The catalog behind your invoices, estimates, and payment links – built for retail and service businesses.
6 topics
Gift cards & loyalty
Sell stored value online and in-store; reward the regulars.
11 topics
Messages, marketing & referrals
Talk to your EPI team in-app, turn happy customers into reviews, stay ahead of your to-dos, and earn for referrals.
4 topics
Vendor & contractor payments
Pay the people you owe, keep their W-9s, and roll up 1099-NECs.
7 topics
Bookkeeping & documents
The money paperwork, kept for you.
10 topics
Business credit reporting
Let your on-time payment history build your business credit file with Experian.
3 topics
Batches, deposits & chargebacks
Follow every dollar from batch to bank.
5 topics
Winning chargebacks
A chargeback is an accusation with a deadline – here's the evidence that beats each kind, and how to send it.
11 topics
Integrations
Connect Merchant360 to the other tools you run your business with – accounting, your online store, and automated sales tax.
20 topics
Account, settings & security
Business profile, tax, discounts, supplies, team, 2FA, and what your rep is up to.
9 topics
Fraud Tools
Automatic fraud screening on every card payment you take online - address checks, security-code checks, spending limits, and velocity rules.
11 topics
Team & User Permissions
Invite your staff, give each person exactly the tools their job needs, and keep the money views scoped to what they should see.
6 topics
Embedded Terminal
Put your full virtual terminal inside another software product - your team charges cards and checks without ever leaving the program they already work in.
5 topics
Running a restaurant?
TableTurn – the restaurant POS – has its own guide covering the register, table service, kitchen displays, and printers.