![Logo|150](Pasted%20image%2020240326113210.png)

## Overview

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 [Paya](https://paya.com/)to 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==

![](Pasted%20image%2020240320111343.png)


3. Select Paya from the list of payment gateways
![|350](Pasted%20image%2020240326113722.png)

4. Input the required credentials

![|250](Pasted%20image%2020240326113640.png)


5. Once you're done entering the credentials, make sure to select which payment methods you would like to process through your gateway
6. 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 Message|What Paya is Trying to Tell You |Next Steps|
|---|---|---|
|ERR_DECLINE|Paya told ChargeOver the payment was declined. |You or the customer should contact Paya to discuss the reason for the decline. |
|ERR_CREDENTIALS|Paya 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_EXPIRED|Paya told ChargeOver the credit card has expired. |You should contact the customer and ask them to provide a new payment method.|
|ERR_CVV|Paya 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](https://paya.com/support/client/)**

Submit a ticket on Paya's support website. 

**Email Address - Support.Paya@nuvei.com**

**Phone Number - 800-261-0240**