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Getting Started with Chargebee Embedded Payments

Setting up Chargebee Payments

Chargebee Payments is our embedded payment solution. It allows you to manage your payments, subscriptions, invoices, and more using a single app. Our solution is easy to configure and can have you ready to process payments in no time.

Limitations

  • Chargebee Payments is currently available to businesses registered and operating within the United States and Europe.
  • Accepts payments through cards (credit, debit, and prepaid), SEPA/BACS, and ACH Direct Debit methods only.
  • Receive payments in US Dollars and transfer transaction proceeds to a US, European, or UK bank account in the same currency, USD, EUR, and GBP respectively.

Logging in to Chargebee Payments

Login to your Chargebee account and start configuring Chargebee Payments using one of the following options listed below: a. Click Configure Now.

b. Alternatively, navigate to Payments > Payment Gateways then select Chargebee Payments. c. Once you click on Chargebee Payments, a Configure button appears, redirecting you to the screen where you can populate data to activate your payment gateway.

Application for Chargebee Payments

The application process requires you to provide applicable details that are reviewed as part of an underwriting process prior to the Chargebee Payments being approved for use within your Chargebee site. The following details must be provided to initiate the review and approval process:

  • Business Profile
  • Operations and Ownership
  • Transaction and Settlements

Business Profile

  • Provide information in each of the mandatory tabs. The Business Profile tab has two sections namely the Business Profile and the Business Address.
  • Click Business Profile and start adding the required details.

Note:

Fields marked as mandatory cannot be skipped. After entering the valid details the UI prompts you to go to the Next step.

Review the table below for assistance with the Business Profile fields:

Field Name

Mandatory

Description

Legal Business Name

Yes

The Legal Business Name is the name of the entity that appears on all official documents or legal papers.
Note: Enter the individual's name if your business operates as a sole proprietorship.

Doing Business As (DBA)

Optional

Enter the name used for business operations. Doing Business As (DBA), also known as a "fictitious business name" or a "trade name," refers to a company's operating name if it is different from its legal name.

For example, a corporation or entity may choose to operate its business with a more recognizable brand name instead of its own legal name. This is more widely seen within the Franchise Business Model.

Business Description

Yes

Provide a brief description of the business associated with the company

Business website

Yes

Provide a website, social media page, LinkedIn, or other relevant link.

Business phone

Optional

Contact number of the company

Click Next to move to the Business Address section.

Business Address Section

Enter applicable details in the Business Address section.

Note:

Business address must be where your business is located, or where you receive mail associated with the business.

Once you have added the details in the Business Profile Section click Next to move to the Operations and Ownership Tab.

Operations and Ownership

Enter applicable details within the Business Operations section. Refer to the following table that contains the Business Operations field details.

Review the table below for assistance:

Field Name

Mandatory

Description

Type of Business

Yes

Select the applicable business structure from the drop-down list.
Note: You can review these details on your incorporation documents. You can choose from the options listed in the image below:

  1. Sole Proprietorship

  2. Partnership

  3. Limited Liability Company

  4. Corporation

  5. Tax-Exempt Organization

  6. Government Agency

Ownership Type

Yes

Select between Public (Publicly Traded) or Private (Privately Held). If you have selected Sole Proprietorship as your Type of Business, the Ownership Type will be preset to Private.

Employer Identification Number (EIN)

Yes

An Employer Identification Number (EIN), also known as a federal tax identification number, is a nine-digit number provided by the IRS.
Note: Provide only SSN if you do not have an EIN.

Incorporation Date

Yes

Select the date the business was registered or incorporated.

Merchant Category Code (MCC)

Yes

The MCC is used to classify businesses and merchants based on the services and goods provided.
We recommend you reach out to your card partner (Visa/Mastercard) to determine the MCC associated with your business.

  1. Visa

  2. Mastercard

Business Ownership

Review the table below to determine the details to be entered within the Business Ownership section.

IF

THEN

Details

there are individuals or entities with at least 25% equity in the business

update details of the Beneficial Owner/s

  • Beneficial Owner of an entity is an individual who, directly or indirectly, through any contract, arrangement, understanding, relationship, or otherwise (i) exercises substantial control over the entity, or (ii) owns or controls not less than 25% of the ownership interests of the entity.

  • An entity cannot have more than four Beneficial Owners.

  • The Beneficial Owner/s must be at least 18 years of age while onboarding to Chargebee Payments.

there are no entities with at least 25% equity in the business

update the details of the Control Person

  • An individual person with significant responsibility for managing the entity (For example, a Chief Executive Officer).

  • An entity cannot have more than one individual as a Control Person.

  • The Control Person must be at least 18 years of age while onboarding to Chargebee Payments.

Update the following mandatory fields for the Beneficial Owner or Control Person as shown below.

  • Click Add Control Person/Add Beneficial Owner to save your progress.
  • Click Next Step to save your progress.

Transaction and Settlements

Add all the required details to the Transaction and Settlements tab.

Bank Account for Payouts

Enter the following details within the Bank Account for Payouts section:

Refer to the following table for details to be entered within the Bank Account for Payouts section.

Field Name

Mandatory

Description

Bank Account Holder Name

Yes

Enter the name of the account registered with the bank.
Note: It is recommended that you provide the details of the account that is associated with the business.

Bank Account Number

Yes

Enter the number for the account associated with the business.
Note: Input accepts numbers only with a minimum of 6 digits and a maximum of 20 digits.

Re-enter Bank Account Number

Yes

Enter the bank account number again.
Note: The entry in this field must match that on the Bank Account Number field.

Bank Account Routing Number

Yes

  • Enter the 9-digit identifier for the branch that you bank with.
    Note: It is recommended you reference your cheque book or contact your bank for this detail.

  • Your bank account must be able to accept CCD (Cash Concentration and Disbursement) electronic transfers. Check with your bank to confirm to verify.

Account Type

Yes

Select the applicable account type from the drop-down list.

Review the terms and conditions within the pop-up window and click I Accept.

Note:

Click here to learn more about the Fee Schedule.

Your details are now submitted for underwriting review prior to approval to use Chargebee Payments.

Review Application Status

Prior to Chargebee Payments being enabled for your site, Chargebee and its partners carefully review all of the details submitted with the application to ensure accuracy and validity. You can continuously monitor the status of your application and make any required changes.

Stages in Chargebee Payments Onboarding Process

There is a state called the Prospect state, in which you have not yet been onboarded on Chargebee Payments. In this state, you can freely explore and interact with the widgets and features available. Moving on to the next stage, it is expected that you have completed the application draft/submission for Payments. The application status can be in any of the following stages:

  • Draft
  • Review In Progress
  • Needs Attention
  • Declined
  • Approved
  • Accept payments

Draft State

You have saved the onboarding form as a draft and can continue working on it at any time by using the Resume Application.

Note:

The Resume Application is only available if it is in a draft state. Bank account details are not saved in the draft state.

The timeline banner provides an overview of your application's current state and consists of three steps:

  1. Configure: This is where you can fill out the form and submit it.
  2. Review: The application is reviewed by the underwriting teams.
  3. Go Live: Once approved, the application is ready for the next step, which is configuring Smart Routing.

Note:

The Sample Data Banner, Export, Single-Day View, Insights View, and Footer remain the same in the prospect and draft state.

Once the status changes from Review to Go Live, you can start to accept your payments. You can choose to stay on the status page or move back to the Chargebee application until this status change is reflected.

Review In Progress

Once you have completed and submitted the application, it is currently in the review state. The timeline remains the same as described in the previous draft state. The Sample Data Banner, Export, Single-Day View, Insights View, and Footer are the same as described in the Prospect state.

Needs Attention

This means that some of your submitted information was found to be incorrect or incomplete and requires further action for review. At this stage, it is necessary for you to thoroughly review and provide additional information or make necessary corrections to the information requested by the reviewer. The timeline remains the same as described in the previous draft state, with the addition of a warning icon next to the review step.

To proceed, in some cases, you may be asked to provide documentation to complete the review and adjudication of your application. Rather than reloading the entire application, only the sections that require correction will be displayed. Errors will be clearly indicated at the top of the respective sections for your convenience.

Declined

In this state, the application is rejected for multiple reasons. This state usually means we will not be able to board your business at this point. You can explore other payment gateway options from our Settings menu.

Approved

In this state, the application is approved, and you must configure smart routing rules to begin accepting payments.

Accept payments

At this stage, you have successfully configured smart routing and are fully prepared to begin accepting customer payments.

Supported currencies

Chargebee supports a wide range of currencies to accommodate businesses globally. Below is a comprehensive list of the supported currencies, allowing you to easily manage transactions in various regions:

Currencies

AED - Emirati Dirham

AMD - Armenian dram

ANG - Netherlands Antillean guilder

AOA - Angola Kwanza

ARS - Argentine Peso

AUD - Australian Dollars

AWG - Aruban Florin

BAM - Bosnia and Herzegovina Convertible Mark

BBD - Barbadian Dollar

BDT - Bangladeshi Taka

BGN - Bulgarian Lev

BMD - Bermuda Dollar

BND - Brunei Dollar

BOB - Bolivian Boliviano

BRL - Brazilian Real

BSD - Bahamian Dollar

BWP - Botswana Pula

BYN - New Belarussian ruble

BZD - Belize Dollar

CAD - Canadian Dollars

CHF - Swiss Franc

CNY - Chinese Renminbi Yuan

COP - Colombian Peso

CRC - Costa Rican Colon

CZK - Czech Koruna

DKK - Danish Krone

DOP - Dominican Peso

DZD - Algerian Dinar

EGP - Egyptian pound

ETB - Ethiopian Birr

EUR - Euro

FJD - Fiji dollar

FKP - Falkland Islands Pound

GBP - UK Pounds

GEL - Georgian lari

GHS - Ghanaian Cedi

GIP - Gibraltar Pound

GMD - Gambian Dalasi

GTQ - Guatemalan Quetzal

GYD - Guyanese Dollar

HKD - Hong Kong Dollar

HNL - Hunduran Lempira

HUF - Hungarian Forint

ILS - Israeli Shekel

INR - Indian Rupees

ISK - Icelandic króna

JMD - Jamaican Dollar

KES - Kenyan shilling

KGS - Kyrgyzstani Som

KYD - Cayman Islands Dollar

KZT - Kazakhstani tenge

LAK - Lao kip

LBP - Lebanese Pound

LKR - Sri Lanka Rupee

MAD - Moroccan dirham

MDL - Moldovan Leu

MKD - Macedonian Denar

MMK - Myanmar Kyat

MOP - Macanese Pataca

MUR - Mauritius Rupee

MVR - Maldivian Rufiyaa

MWK - Malawian Kwacha

MXN - Mexican peso

MYR - Malaysian Ringgit

MZN - Mozambican Metical

NAD - Namibian Dollar

NGN - Nigerian Naira

NIO - Cordoba Oro

NOK - Norwegian Krone

NPR - Nepalese Rupee

NZD - New Zealand Dollar

PAB - Panamanian Balboa

PEN - Peruvian Nuevo Sol

PGK - Papua New Guinean Kina

PHP - Philippine Peso

PKR - Pakistani Rupee

PLN - Polish Zloty

QAR - Qatari Rial

RON - Romanian leu

RSD - Serbian Dinar

SAR - Saudi Arabian Riyal

SBD - Solomon Islands Dollar

SEK - Swedish Krona

SGD - Singapore Dollars

SHP - Saint Helena Pound

SOS - Somali Shilling

SRD - Surinamese Dollar

THB - Thai Baht

TOP - Tongan Pa anga

TRY - Turkish Lira

TTD - Trinidad and Tobago Dollar

TWD - New Taiwan Dollar

TZS - Tanzanian Shilling

UAH - Ukrainian Hryvnia

USD - US Dollars

UYU - Uruguayan Peso

UZS - Uzbekistan Som

WST - Samoan Tala

XCD - East Caribbean Dollar

ZAR - South African Rand

ZMW - Zambian Kwacha

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