![Logo|150](Pasted%20image%2020240314130001.png)
## Overview 

[USAePay](https://secure.usaepay.com/login?type=res) allows you to accept credit cards and ACH payments in ChargeOver. They were [acquired by NMI](https://www.nmi.com/resources/news/podcast-nmi-acquires-usaepay-to-optimize-sales-opportunities/) 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**

![](./0ce59e80-18f1-45a0-8e27-1ebf7a15ab6d-jdm.jpg)

### 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…

|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) 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 Message|What USAePay is Trying to Tell You |Next Steps|
|---|---|---|
|ERR_DECLINE|USAePay told ChargeOver the payment was declined. |You or the customer should contact USAePay to discuss the reason for the decline. |
|ERR_CREDENTIALS|USAePay 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_EXPIRED|USAePay told ChargeOver the credit card has expired. |You should contact the customer and ask them to provide a new payment method.|
|ERR_CVV|USAePay 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](https://usaepay.zendesk.com/hc/en-gb/requests/new)**

**Phone Number - 1 (866) 872-3729**