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Overview helps make it simple to accept electronic and credit card payments in person, online or over the phone. They accept a variety of payment methods and have advanced fraud protection, that could protect your business. Primarily, this gateway is used for ACH and credit card processing and they serve businesses located in 3 countries, using 12 different currencies.

One of the many great things about ChargeOvers integration is how easy it is to migrate current customer payment tokens into ChargeOver. This means there’s no need to recollect customer payment data!

How to Connect

Steps to connect your gateway and ChargeOver are below!


  1. Log into your Merchant Interface
  2. Click Account from the main toolbar
  3. Click Settings in the main left side menu
  4. Click API Credentials and Keys in the Security Settings section
  5. You will see your API Login ID at the center of the page
  6. may prompt you to create a new transaction key. If so, go ahead and do that and enter your "Secret Answer"
  7. Click Submit
  8. The Transaction Key for your account is displayed on a confirmation page

Now, it's time to go back to ChargeOver and get the two connected!

In ChargeOver

  1. Go to your Settings and select Payment Processing
  2. Then select Add or Configure a Payment Method or Merchant Account
  3. Search or find it in the listed options
  4. Enter in your API Login ID and Transaction Key
  5. Click Save Settings when finished

Common Questions

Does the integration between and ChargeOver support…

Dynamic Statement Descriptors✖️
Tokenized Payments
Credit Card Payments
ACH (USA Only) Payments
EFT (CAD Only) Payments✖️
ACH (AUS Only) Payments✖️
Credit Card Refunds
ACH Refunds

Can send multiple ACH or EFT payments into a single settlement batch?


Can report ACH payment status' to ChargeOver?


Does support same-day refunds?

For credit cards, supports same-day full refunds, but NOT same-day, partial refunds.

If you want to refund the whole amount, you can do that the same day. If you want to refund a partial amount, you have to wait until the payment settles.

For for ACH, does NOT support same-day refunds at all.

Supported Currencies

ChargeOver accepts these currencies with

CAD and USD.

Supported Merchants Countries

These are based on where your business is located.

Canada and United States.

Keep in Mind

Any limitations may have with ChargeOver are listed here.

Email Receipts Sent by

By default, payment gateways sent their own email receipts to your customers. This may be confusing to your customers if they are also receiving email receipts from ChargeOver.

  1. Log in to your account
  2. Choose the Account menu option
  3. Click the Email Receipt link
  4. To turn off receipts, uncheck the checkbox labeled Email transaction receipt to customer (if email address is provided)

ChargeOver will, by default, send email receipts to your customers. These email templates are far more customizable than the receipts.

Held for Review Transactions

You might be seeing an error message that says something like "This transaction is Held for Review." Below is what the error message looks like in ChargeOver.

Why is This On a Transaction? is either holding a transaction for fraud review or another customer service review process, or something is misconfigured.

What Should I Do?

Contact to ask why they are holding your transactions. Then, if successfully processes the transactions, go into ChargeOver and manually mark all of the failed payments as successful.


New accounts by default come with a very low rate limit. If you do recurring payments, you will almost certainly bump into this and will mark your payments as Held for review. To prevent this, you should ask to turn off the rate limits in your account or you should whitelist ChargeOver's IP address.

Export CIM or Payment Profiles to ChargeOver

Do you need to export your payment profiles from to your ChargeOver account? The steps below will show you how to export your customer and payment method data from to ChargeOver.

First, login to your merchant account. Once you are logged in you can do the following.


  1. Click Tools

  2. Click Customer Information Manager from the menu on the left hand side of the page

  3. Click Advanced Search

  4. Enter any relevant search criteria and click Search

  5. A list of customer profiles will be generated. Next, click Download To File

  6. Click Download File when the pop-up window appears

  7. Save the file

Now you have the data from to import into your ChargeOver account!

To get your data imported, contact us and attach the file that you downloaded from to your support ticket or email.

Does ChargeOver Support AIM Emulation URLs?

If you are using a payment processor which has an AIM emulation mode, ChargeOver can work with this and support your gateway.

Please contact us for assistance setting the Emulation Mode URL.

Common Decline Messages

If you are unsure what an decline message means or what to do next, the most common error messages you might encounter are explained below.

Error MessageWhat is Trying to Tell YouNext Steps told ChargeOver the payment was declined.Contact the cardholder and ask them for another form of payment, or have the cardholder contact their credit card issuer. told ChargeOver that your authentication credentials for Forte are incorrect.You should contact and fix the credentials you use to connect to them. told ChargeOver the credit card has expired.You should contact the customer and ask them to provide a new payment method. told ChargeOver the credit card was declined due to an incorrect CVV/CVC security code.Your customer should provide a correct CVV/CVC security code, or provide a new payment method. told ChargeOver this transaction has been held for review.Contact for more details on the held transaction.

Troubleshooting Connecting

Sometimes you will have typed in the wrong password or credentials when connecting your gateway to ChargeOver. This is an error message might throw when this occurs.


This error messages can either be found on the object, like the payment or refund, or the connection page in ChargeOver.

Error Message

There was a problem connecting to Are you sure that information is correct?

What is Trying to Tell You

Your API Login ID or API Passcode Key has been incorrectly entered into ChargeOver.

Next Steps

Make sure that your information you entered is correct. As a reminder, do not use your email as the API Login ID.

Fetch Declined Transactions

ChargeOver can automatically fetch and follow-up on ACH or eCheck transactions that are declined or returned due to insufficient funds.

In ChargeOver

  1. Log on to the merchant interface at
  2. Select Settings under Account
  3. Click the Transaction Details API link in the Security Settings section. The Transaction Details API screen displays
    • If you have not already enabled the Transaction Details API, enter the answer to your Secret Question, then click Enable Transaction Details API
  4. When you have successfully enabled the Transaction Details API, the Settings page will display it

All set!

ChargeOver will automatically pull returned ACH/eCheck transactions from and keep ChargeOver's data in sync. Support

If you need to contact the support team, you can use the information below!

Support Website

Email Address - Fill out the form on their website to email support!

Phone Number - 1-888-323-4289