The capture will be processed as usual and you will get your money - even if the payment card expires, is lost or is stolen. In rare cases when the customer changes his bank between authorization and capture, you cannot get your money. The customer’s bank, however, will have to act in good faith and try to collect the transaction before making a chargeback.
NOTE: The more days between the authorization and the capture, the larger risk is for you to receive a chargeback reasoned with “late capture”. If the capture is made within 7⁄30 days, you cannot receive such a chargeback.
Interchange fees are the costs we (the acquirer) pay the issuing bank. Interchange fees are set by the card schemes such as Visa and MasterCard.
Apart from the interchange fees from the card schemes, the merchant, who has an Interchange+ or IC+ agreement, also pays any other additional processing fees related to the transaction.
Finally, on top of that, we add our discount rate e.g. 0.5%.
You can sign up for a merchant account using our online application form. Here you will find the list with all the information required to be provided with a merchant account for a regular business.
If you are running a non-Danish company, a high-risk business, or a business that requires a license granted by a state authority, read this article for more information: What information do I need to provide to get a merchant account?
A gateway/PSP provides the payment window in your online shop and forwards the card information to the acquirer. The acquirer processes this information and makes sure that you will receive your payments. The acquirer collects the money from the cardholder’s bank account, store the money, and then deposit the money on your account.
A gateway is never allowed to hold the money. Instead, they are responsible for the technical set-up of features and payment methods, e.g. 3-D Secure and Apple Pay.
You can start accepting payments 1-3 days after you have submitted your application.
If you own a business that is considered of high-risk, or just have a particular business model, we may need additional time to assess your application.
This depends on your settlement period mentioned in the merchant agreement. Our standard settlement period is weekly, in which your money is paid out on Thursdays.
Read this article for more information: When do you pay out my money?
You can be settled in the following currencies: DKK, SEK, NOK, EUR, USD or GBP.
Read this article for more information: Settlements
We accept transactions in all currencies supported by Visa and Mastercard.
See all currencies here.
If the products sold in your new webshop is in the same category as the products sold in your current webshop and you want to receive your settlements from us in the same currency, you can use the existing agreement. You simply need to send us an email with your new domain name. Remember to include your customer number (MID) or company name.
If the new webshop is selling products in a different category or if you wish to receive the payments from the new webshop in a different currency you will need to make a new agreement with us.
Put simply, you need an additional merchant account if you:
For additional help, send an e-mail to: firstname.lastname@example.org
We are very sorry to hear that you are leaving us.
In order to close your account you have to send us an email with customer number (MID) and company name or CVR-number. You cannot terminate your account over the phone, as it is important that we get this information in written form.
When an order is placed in your webshop it automatically reserves the money on the customer’s card. In order to withdraw the money from the customer’s card you have to make a capture in your shop module or in your gateway. You are not allowed to do this before you ship the order.
Note: We settle your accounts weekly (unless otherwise agreed). Usually you will receive your payments Thursday, sometimes Friday. In case of public holidays, you may receive your money later than usual.
You can find your merchant identification number (MID) on the Settings page in the Dashboard.
The merchant identification number is a 7 digit number. Example: 2000001
Payments can fail for a lot of reasons.
The first thing to do is to go to your Clearhaus Dashboard an find the declined transaction. You can find all your transactions by clicking on the icon in the top right corner. If you cannot find your failed transactions in our Dashboard, the mistake has happened at your gateway. In this case, please refer to your gateway.
If you find the failed transaction in our Dashboard, you will be able to see a status code (the “Status” column). For failed transactions the code will be red. If you hover your cursor over the red code, a reason code will show. This will tell you why your transaction has failed.
Here’s a complete list of our reason codes:
|40110||Invalid card number|
|40111||Unsupported card scheme (we only support Visa, Mastercard and Maestro)|
|40130||Invalid expiry date|
|40140||Invalid currency (list of our supported currencies)|
|40150||Invalid text on statement (the descriptor you used for the transaction is not the one approved by Clearhaus)|
|40190||Invalid transaction (e.g. is you’re not allowed to do credit transfers)|
|40200||Clearhaus rule violation (we set up specific rules for transactions in your webshop, contact support to clarify the rules for your agreement)|
|40300||3-D Secure problem (from the issuers side)|
|40310||3-D Secure authentication failure|
|40400||Backend problem (issuing bank is not responding to approve the transaction)|
|40410||Declined by issuer or card scheme (can be for various reasons, cardholder needs to contact his bank to find out why)|
|40411||Card restricted (restrictions put on the card by issuing bank, e.g. it is not allowed to be used abroad)|
|40412||Card lost or stolen|
|40415||Amount limit exceeded (on the card, e.g. credit limits)|
|50000||Clearhaus error (glitch in system, contact us for more information)|
3-D Secure is an additional security level that protects your business from fraudulent transactions.
By using 3-D Secure, the liability for chargebacks caused by fraudulent transactions shifts from your business to the cardholder’s/customer’s bank (issuing bank).
Please note: The payment gateway Reepay does not support 3-D Secure.
Apple Pay is Apple Inc’s digital wallet. Apple Pay is available on all newer iPhones, iPads, Apple Watches, and Macs. When you register your payment card in the wallet app you can pay by using fingerprint or Face ID. You can pay with Apple Pay in both online shops, apps and as contactless payments i physical stores.
Read more about Apple Pay.
Yes, we do support Apple Pay payments. However, you must have a payment gateway that also supports Apple Pay.
QuickPay, PensoPay, and Paylike support Apple Pay.
MobilePay is a mobile-based app payment method offered by Danske Bank.
Read more about MobilePay here.
Clearhaus automatically enables all customers to accept payments with MobilePay. However, in order to activate MobilePay in your online shop, you need a gateway that also supports the feature. Your gateway will take care of all the practical and technical stuff, and they will also activate MobilePay in your shop. Contact your gateway for further help.
Additionally, you need to sign up for MobilePay here.
A descriptor is the text shown on a cardholder’s bank statement that describes a particular payment. The descriptor must help the cardholder identify the company/website on which the payment was made.
The merchant descriptor is defined when the merchant account is established, and is usually set as the website domain name/URL (e.g. my-shop.com).
Read more about descriptors here.
Send an e-mail to email@example.com and let us know why you would like to change your descriptor.
Remember that the descriptor must identify the merchant/website that initiates a transaction.