![Logo|400](Pasted%20image%2020240122134548.png)

## Overview 

[BMO](https://www.bmo.com/en-ca/main/personal/) is a Canadian multinational investment bank and financial services company, that offers a wide range of personal banking services including mortgages, credit cards, loans and insurance. You can use BMO with ChargeOver to charge your customers ACH accounts. 

## How to connect

Steps to connect the Bank of Montreal and ChargeOver together are below!

### In Bank of Montreal

Obtain the following details.

- SFTP Username
- SFTP Password
- Originator ID (Payments)
- Originator ID (Refunds)
- Destination Data Centre
- Originator Short Name
- Originator Long Name
- Institutional ID for Returns
- Account Number for Returns

After you have all the information above, you can go to your ChargeOver account.

### In ChargeOver

1. Go to your **Settings** and ==Payment Processing==
2. Click to ==Add or Configure a Payment Method or Merchant Account==
3. Search Bank of Montreal. Click ==Connect==

![](./bank-of-montreal-e30.jpg)

4. Fill out all the required fields. Then scroll down and make sure you have
   selected the correct type of currency you want the gateway to process

![](./bmo-permissions-uge.jpg)

5. ==Save== your changes

## Common questions

Does the integration between Bank of Montreal and ChargeOver support…

|Feature|Supported? ✅|
|---|---|
|[Dynamic Statement Descriptors](https://help.chargeover.com/docs/getting-paid/payment-processors/stripe/#dynamic-statement-descriptors)|✖️|
|[Tokenized Payments](https://help.chargeover.com/docs/getting-paid/payment-processors/#enable-tokenization)|✖️ |
|Credit Card Payments|✖️ |
|ACH (USA Only) Payments|✅|
|EFT (CAD Only) Payments|✅ |
|ACH (AUS Only) Payments|✖️|
|Credit Card Refunds|✖️ |
|ACH Refunds|✅|

#### Can Bank of Montreal send multiple ACH or EFT payments into a single settlement batch?

✅ Yes! The Bank of Montreal does this automatically!

#### Can Bank of Montreal report ACH payment status' to ChargeOver?

✅ Yes!

#### Does Bank of Montreal support same-day refunds for credit cards and ACH?

✖️ No. 

## Supported currencies

Supported currencies include:

**CAD and USD.**

## Supported merchant country

This is the supported merchant country based on where your business is located:

Canada.

## Common decline messages

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

|Error Message|What Bank of Montreal is Trying to Tell You |Next Steps|
|---|---|---|
|ERR_DECLINE|Bank of Montreal told ChargeOver the payment was declined. |You or the customer should contact Bank of Montreal to discuss the reason for the decline. |
|ERR_CREDENTIALS|Bank of Montreal told ChargeOver that your authentication credentials for Forte are incorrect. |You should contact Bank of Montreal and fix the credentials you use to connect to them. |
|ERR_EXPIRED|Bank of Montreal told ChargeOver the credit card has expired. |You should contact the customer and ask them to provide a new payment method.|
|ERR_CVV|Bank of Montreal 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.|
## Bank of Montreal support

If you need to contact Bank of Montreal’s support team, you can use the information below.

**[Support Website](https://www.bmo.com/main/contact-us/?icid=tl-bmo-us-english-popup-en-ca-link)**

**[Help Form](https://www.bmo.com/main/personal/contact-centre-support-tool/)**

**Phone Number - 1-877-225-5266 (CAD)**