Merchant FAQs

  • What kind of processing accounts can I set up through Constellation Payments?

    Constellation Payments processes ACH and credit card transactions in the United States and Canada.

  • Which cards can I accept with Constellation Payments merchant services?

    VISA, MasterCard, Discover and American Express.

  • How does the merchant account application process work and how long does it take?

    You can fill out the online application by clicking here. Constellation Payments will prepare the application for your signature. This normally takes one to two business days. Constellation Payments will also assist you in preparing all the supporting documentation prior to submitting for approval. Once returned with all required documents and signatures, the processing of the application can take up to five business days for approval. (Timeframe will vary if additional documents are requested by the processor.)

  • How will I get my deposits and what is the normal funding process for each processor?

    Transactions are batched out daily by Constellation Payments to the various processors. The credit card processors will typically settle your transactions overnight and you can expect to receive your deposits in one to three business days. The timing of the deposits can vary by bank and can be faster or slower. ACH deposits take a minimum of five business days once the batch is received by the ACH processor. The various processors handle and fund all deposits.

  • I want to get my money faster. How can I make this happen?

    Elavon offers next business day funding for an additional monthly fee. If you are interested in the service, please contact your Constellation Payments representative at 888.248.7060. Constellation Payments will prepare a form for your signature and submit the form to Elavon. Processing time is normally one to three business days.

  • Will I receive a statement in the mail?

    You will receive a paper statement in the mail. If you prefer to receive online statements only, you can activate this feature by choosing statement delivery options through your Elavon portal at or by contacting Elavon customer support at 800.725.1243.

  • I’d like to get my statements online. Where do I go to access them?

    You can access the statements on Elavon’s website at You must have your customer account number or MID (Merchant ID) and register online for access. You can also reach Elavon support by phone at 800.725.1243.

  • How do I gain access to an online portal to view my transactions?

    You can log into the Elavon portal at and register. Once you’ve registered, you can access your daily and monthly reports, see deposit information, as well as maintain account features. You must have your MID (Merchant ID) for the initial log in. You can also reach Elavon support by phone at 800.725.1243.

    For Actum and EFT Canada portal access, please contact Constellation Payments at 888.248.7060. Log-in credentials will be supplied.

  • Is there a charge for the online portal?

    Not for one-time transactions. If you are using the recurring billing portal, there is a monthly fee associated with it.

  • I’ve received my statement and I have questions. Who do I contact?

    If you have questions regarding deposits, processing statements, sales and payments, you can contact Elavon directly at 800.725.1243 or at

    For other questions including ACH (Actum or EFT Canada) or gateway accounts, contact Constellation Payments at 888.248.7060 or

  • What is the PCI charge for and I how do I become certified?

    The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that ALL companies that process, store or transmit credit card information maintain a secure environment — essentially any merchant that has a Merchant ID (MID). This is a requirement for all Elavon merchants. There is a monthly PCI charge that will appear on your merchant statement. You are required annually to answer a series of questions to re-validate your PCI certification. Failure to validate will result in higher monthly PCI charges. To learn more about these services, go to Trustwave will notify you via email when it is time to re-validate your PCI compliance.

    You can also call Trustwave directly for assistance at 800.363.1621.

  • I need to change my bank account. What do you need from me to make this change?

    Send your request to, along with your Merchant ID (MID), name of the facility, contact person and a phone number to be reached at.

    Once the request is received, you will be sent a Merchant Change Form to fill out and sign. The person that originally signed the merchant agreement should also sign this Merchant Change Form. You will need to include a voided check or letter from your bank (on bank letterhead) with the account and routing information.

    Once submitted, it can take up to five business days to have the change processed. We recommend that the merchant keep their old bank account open and active until you receive the first deposit into your new account.

  • I want to add new services. What do you offer and how can I get them?

    We offer a variety of payment processing solutions — from gift cards and e-checks, to hosted payment pages and hardware. To learn more, email us at or call us at 888.248.7060.

  • Is there a mobile payment option?

    Yes. Elavon offers Virtual Merchant which can be used as a mobile app with your current Merchant Account. Constellation Payments can supply a card reader for your mobile device. To activate this service, email us at or call us at 888.248.7060.