Dealer-initiated payments

Overview

Dealer-initiated payments let you capture AR or deposit payments directly through Dealer Admin, using saved customer payment methods (ACH or credit card) or manually entering a new credit card via a virtual terminal. This article walks through both flows.

Before you begin

You must have the "Manually Create and Capture Payments" permission.
This feature must be enabled for your account. Contact your Account Manager if needed.

Step-by-step instructions

To create a dealer-initiated payment:

Go to Accounts > Account Details in Dealer Admin.
Click Create Payment.
Select the customer you are completing the payment on behalf of.
Select the store this payment will be associated with.
Select the payment type:
- Order Deposit (credit card only)
- Accounts Receivable (ACH or credit card)
Choose which invoices, statements, or amounts to pay.
(Optional) Add a surcharge if enabled for your account.
Click Next to continue to the summary screen.
Confirm the amount, review order details, and enter a note if needed.
Click Next.

To select a payment method:

Choose a saved method from the dropdown. ACH and credit cards are supported.

Authorization and confirmation

ACH and credit card payments require explicit confirmation.
You’ll see a summary with legal copy for compliance and a required confirmation checkbox.
Once confirmed, click Authorize Payment (ACH) or Capture Payment (credit card).

What customers and dealers see

Payment appears in Payment Submissions with a new field: Initiated by
Customers see the same in the Payments section of the Customer Portal.
Both dealer and users receive a confirmation email with initiator name.

Troubleshooting & FAQs

Why can’t I capture a payment?

The customer may not have a saved payment method, or your permissions may be restricted.

Is this payment 3D Secure protected?

No. Dealer-initiated transactions are not covered by 3DS and carry higher chargeback risk.