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.
25 topics
Invoices
Bill your customers and get paid online.
15 topics
Recurring billing & subscriptions
Bill on a schedule; the system chases the card so you don't.
11 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 vaulted cards.
10 topics
Virtual terminal
Key in a card from any browser – no hardware needed.
9 topics
Handpoint terminal
A countertop card reader that takes the sale you ring up in Merchant360, or runs on its own with every sale reported back.
12 topics
Merchant360 Payment App
The Merchant360 app on the PAX A920 terminal: keyed sales, an item grid, appointments, cash, gift cards and receipts, with settings and sales kept in Merchant360.
18 topics
Billing settings
One page that shapes every invoice, receipt, and pay page – a card-by-card tour.
15 topics
Surcharge & dual pricing
Offset card costs the compliant way – a surcharge, or a cash discount.
8 topics
Payment links, widget & checkout
Let customers pay you without an invoice.
9 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.
10 topics
Scheduling & online booking
Appointments, work orders, and a book-online page for your customers.
11 topics
Reservations & rentals
Take a deposit at booking, charge the balance to the card on file on a date, and hold a security amount you can charge against with evidence.
16 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.
13 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
Team schedule
Plan your staff's work shifts, publish the week, and let each person see their own schedule and hours from their phone.
7 topics
Account, settings & security
Business profile, tax, discounts, supplies, team, 2FA, and what your rep is up to.
9 topics
Fraud ToolsSign in required
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
Paylytics®
Card activity analytics built from your processing data.
7 topics
Running a restaurant?
TableTurn – the restaurant POS – has its own guide covering the register, table service, kitchen displays, and printers.