Skip to main content




USAePay allows you to accept credit cards and ACH payments in ChargeOver. They were acquired by NMI in 2021.

How to Connect

Steps to connect USAePay and ChargeOver together are below!

In USAePay

  1. Log into USAePay
  2. Go to Settings
  3. Go to Source Keys
  4. Click the button to create a New Source Key
  5. Enter in a name for the key (you can use "ChargeOver" for each reference)
  6. Enter a desired PIN

In ChargeOver

  1. Go to Settings then Payment Methods
  2. Choose USAePay from the choices
  3. Enter in your Source Key and PIN
  4. Scroll to the next section and designate which payment types you accept (Visa, Mastercard, ACH, etc.)
  5. Click Save Settings when finished

Common Questions

Does the integration between USAePay and ChargeOver support…

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

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

✅ Yes, USAePay does this automatically!

Can USAePay report ACH payment status' to ChargeOver?

✅ Yes!

Does USAePay support same-day refunds for credit cards?

✅ Yes!

Supported Currency

ChargeOver accepts this currency with USAePay.

  • USD

Supported Merchant Country

This is based on where your business is located.

United States.

Common Decline Messages

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

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

USAePay Support

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

Support Form

Phone Number - 1 (866) 872-3729