Skip to main content




Paya was acquired by Nuvei Corporation in February 2023 and has built itself around its solid integrations with front-end CRM and back-end accounting systems, to make sure they can serve their customers well. ChargeOver supports connecting to Payato process your credit card and ACH payments.

How to Connect

Steps to connect Paya and ChargeOver together are below!

In Paya

In order to connect to Paya, you will need the following.

  • Public Key (M_ID)
  • Secret Key (M_Key)
  • Originator ID (Only needed if you are planning on accepting ACH payments through Paya)

Once you have obtained these credentials, login to your ChargeOver account.

In ChargeOver

  1. Go to your Settings and select Payment Processing
  2. Select Add or Configure a Payment Method or Merchant Account

  1. Select Paya from the list of payment gateways

  2. Input the required credentials

  1. Once you're done entering the credentials, make sure to select which payment methods you would like to process through your gateway
  2. Click Save when finished

You can now accept credit card and ACH payments through Paya in ChargeOver!

Supported Merchant Country

This is based on where your business is located.

United States.

Common Decline Messages

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

Error MessageWhat Paya is Trying to Tell YouNext Steps
ERR_DECLINEPaya told ChargeOver the payment was declined.You or the customer should contact Paya to discuss the reason for the decline.
ERR_CREDENTIALSPaya told ChargeOver that your authentication credentials for Forte are incorrect.You should contact Paya and fix the credentials you use to connect to them.
ERR_EXPIREDPaya told ChargeOver the credit card has expired.You should contact the customer and ask them to provide a new payment method.
ERR_CVVPaya 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.

Paya Support

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

Support Website

Submit a ticket on Paya's support website.

Email Address -

Phone Number - 800-261-0240