The following settings can be configured in your Wise-Pay Merchant account.

How do I get there?

To configure your Merchant account, click Configure from the top Menu then select Merchants.

What do I do?

Check out the settings below and what you need to do with them. Click Save when you're done!

Basic Settings
Account Merchant Payment Status

This must be Enabled to receive payments through Wise-Pay and process them through the selected payment processor.

Merchant Account TypeDescribes the type of payment processor merchant account used. Wise-Pay supports the following types of payment processing merchants:
  • IntegraPay
  • Stripe
  • Braintree
  • Authorize .Net
You need to have an account setup with the payment processor. The details of your payment processor merchant account are saved as a part of your Wise-Pay merchant account configuration. Wise-Pay subscription varies with the choice of payment processor. Check for details.
Account for Clearing PaymentsSelect the current asset account from your accounting package to hold payments until they are cleared. Following best practices, this should be set to the Wise-Pay Clearing Account.
This drop-down only displays bank accounts with account codes, and Xero accounts for which the PaymentsEnabled option has been selected.
Bank Account for Prepayments

Select the bank account to which the prepayments received through Wise-Pay should be allocated.

Account for Prepayments

Select the revenue account to which the prepayments received through Wise-Pay should be allocated.  Following best practices, this should be set to the Wise-Pay Pre-Payments Account.

Overpayment Tax Code

Select the tax code to apply to the overpayments received through Wise-Pay. This field is used when prepayments or overpayments are received through Wise-Pay (mainly in the case of batch payments).

AVS information
Enable this if you wish to record information for Address Verification System (AVS) used by certain credit card processors in the United States.
Advanced Settings
Maximum Credit Card Transaction Amount
Enter the maximum amount allowed for a single credit card transaction. This limit is imposed through your payment processing merchant. This limits your capacity to receive payment from your payers as the credit card transactions more than this amount would fail.
Approve When PaidSelect this option if you wish to receive payments for invoices in the Draft state (for merchants that do not have their Wise-Sync account set to Post to Approve). The draft invoices would be approved upon payments.
Allow Payment When Scheduled

Select this option if you wish to allow real-time payments (using the Pay Now by Credit Card action in Outstanding Invoices pod) for the already scheduled invoices. When selected, a real-time payment will automatically cancel the scheduled payment transaction for that invoice.

Check Scheduled Payments

Select this option to enable Wise-Pay to automatically cancel a scheduled transaction if any changes have been made to the invoice in the underlying accounting system. When selected, Wise-Pay keeps tracks of the invoices scheduled for payments and changes made to them in the accounting package. For details on this configuration, see FAQ- How To Automatically Cancel Scheduled Transaction When the Invoice is Modified in the Accounting Package.

Append Company NameSelect this option to display payer's company name in the payment gateway console. This would help you in reconciling payments as payers name could be easily identified.
Migrate Existing PayersEnter your preferred name for Surcharges if they are being charged for accepting of Credit Card transactions
Base CurrencyThe currency used for this merchant account. It is automatically selected based on the locale selected during setup.
Invoice SourceEnables you to select the source application from where the invoice would be fetched for printing. You can select from ConnectWise or accounting package options.
ConnectWise UserEnables you to specify the ConnectWise user name that is recorded for the payments received through Wise-Pay.
Allow DDR

Select to allow direct debit for your and your payers' Wise-Pay accounts.

This value depends on the selected payment processor and its ability to allow direct debits in your region.

Maximum DDR Transaction Amount

Specify the maximum amount that is allowed in a direct debit. Once specified, all direct debit transactions through Wise-Pay would be limited to less than or equal to this amount.

This limit is defined during onboarding, considering your payment processor and service availability in your region. It is recommended not to change this.

DDR Merchant Service Type

When you wish to use another merchant to process direct debit requests, select the merchant type from this drop-down.

This field is configured during onboarding. It is recommended not to change its value.


Any changes to the advanced settings for the merchant account would affect your WIse-Pay payers. For example, if you reduce the maximum credit card transaction limit, your payers won't be able to pay any amount more than that. It is suggested to be mindful while changing these settings.

API Keys

When you register with your payment processing merchant such as IntegraPay, you get an API key and password to get API access to your account. Each Merchant has a slightly different API Keys. For more information on how to obtain your API Keys, see Payment Providers

Primary Merchant Details 

Enter Merchant API Keys 

Select if the Account 'Is Product Account' 

Note: When an account is not set to "Production" only test transactions will be performed.

Secondary Direct Debit Merchant Details 

Optional: Only required when using a secondary Merchant as your DDR Provider. Enter the IntegraPay API username and password 

Select if the Account 'Is Production Account'


The API Key configuration is done during Wise-Pay on-boarding. You should not be changing this configuration unless there is a change in your API configuration.

Card Details/Surcharges

Wise-pay allows you to control surcharges by card type, together with flexible options for where to record the surcharges revenues, and even allocation of payment to account by card type. .

Surcharge Label

Specify the Surcharge Label that should be displayed in the transactions. For example, Online Processing Fee. The default is Surcharge.

Accept Payment 

Click the checkbox, for each card type that you want to accept payments for through Wise-Pay.

Transaction Charge
If you wish to charge a fixed fee per transaction, specify it in the Transaction Charge field for each supported credit card.

If you wish to charge a surcharge as a percentage of the whole transaction amount, specify it in the Surcharge field for each supported credit card.

Surcharge Account 

Select the GL account from your accounting package for the surcharge revenues to be posted into.

Surcharge Tax Code 

Select the tax code from your accounting package to apply to the surcharge transaction. This is the tax rate that would be applied to 'service' charges. Generally, these are charged when services are taxable.

Override Payment Account 

Optional: Select the current asset account from your accounting package, if you would like Wise-Pay to allocate the payment to a separate clearing account. This is recommended to allow you to settle the bulk payments into the clearing account.

Credit Card Surcharges

To learn more about Credit Card Surcharges, see Credit Card Surcharges.

As a Merchant Administrator, you can integrate your Wise-Pay account with ConnectWise Sell, ConnectWise Portal, and QuoteWerks as a proxy.
Proxy Type

Select the third-party application being configured

Either QuoteWerks, ConnectWise Sell or ConnectWise Portal Integration.

Proxy User

Select the User, this will be the user that will be linked to the proxy access.


Display - Display a popup where the Payment Proxy Details can be obtained

Regenerate - Re-Generate the Payment Proxy

Deactivate - Make the Payment Proxy inactive 

Configure Wise-Pay as Payment Proxy

To configure Wise-Pay as Payment Proxy, see Configure Proxy Links for Third-Party Applications

PayNow Links
As a Merchant Administrator, you can configure PayNow links in your PSA and Accounting Package to get a payment for an invoice through your application interface.
PayNow Link Type



Event Notification

ConnectWise Customer Portal

PayNow Link User

Select the User, this will be the user that will be linked to the PayNow link.


Generate the PayNow Link Details


Display - Display a popup where the Account Merchant's API Key can be obtained

Regenerate - Re-Generate the PayNow Link API Key 

Deactivate - Make the PayNow Link inactive

Configure your PayNow Links

To configure your PayNow Links, see Configure PayNow Links to Get Payment

Email Links 
As a Merchant Administrator, you can configure a PayNow link in your PSA invoice templates to allow your customers to pay an invoice quickly via a Pay Now button from invoices you have emailed to them. 
Email Link
Email Link User

Select the User, this will be the user that will be linked to the proxy access.

Email Button options

Choose either sharp or rounded corners

Enter the label you would like the button to say. Example: Pay Now!


Generate the Email Link Details


Display - Opens the Email link details where the email link details can be obtained (copied)

Regenerate - Re-Generate the Email Link API Key

Deactivate - Make the Email Link inactive

Configure your Email Links

To learn more about Email Link Configuration, see Configure the Email Link for ConnectWise Invoices

You can integrate Wise-Pay to DeskDirector, ITSupportPanel and CloudRadial


To learn more about Wise-Pay Integration, see DeskDirector, ITSupportPanel and CloudRadial.

 Settlement Groups 
Wise-Pay enables you to configure Bank Reconciliation Group


To learn more about Settle Groups, see Configure: Bank Reconciliation Groups for IntegraPay