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Evolve Credit Card Processor - we've been "downgraded"

Take to the Lake
Mar 1, 2023 10:20 AM
Joined Aug, 2022 15 posts

Hello! We switched to Evolve for our credit card processing in October. Since then, we've been charged over 4% per transaction (except for one, which was under 2%). We understand that different credit cards carry a different processing rate, but this isn't the issue. Evolve is telling us that we are being "downgraded" because "the required information is not being entered. Like the property phone number, Folio code number, etc."

Has anyone else had this problem? They don't seem to want to help us fix this. They say it's "on our end." 

Adria H
Mar 1, 2023 10:34 AM
OR Team Member Joined Aug, 2022 97 posts

Can you write in a ticket to Help@OwnerReservations.com, so we can help you figure this out?

Adria H
Mar 1, 2023 10:38 AM
OR Team Member Joined Aug, 2022 97 posts

I think you mean Elavon/Converge. There is a requirement that you have the payor Zip code, and possibly other address details, be entered, or you can be downgraded to that 4% rate. You would want to reach out to Converge and have them walk you through how to ensure you are requiring the guest answer any required location details in order to qualify for the best rates. It's pretty easy to do, but have Converge talk you through where on your Converge login screen to access all the right locations for that info.

Take to the Lake
Mar 1, 2023 10:40 AM
Joined Aug, 2022 15 posts

Can you write in a ticket to Help@OwnerReservations.com, so we can help you figure this out?

by Adria H – Mar 1, 2023 3:34 PM (UTC)

Done. Thank you.

Take to the Lake
Mar 1, 2023 10:43 AM
Joined Aug, 2022 15 posts

I think you mean Elavon/Converge. There is a requirement that you have the payor Zip code, and possibly other address details, be entered, or you can be downgraded to that 4% rate. You would want to reach out to Converge and have them walk you through how to ensure you are requiring the guest answer any required location details in order to qualify for the best rates. It's pretty easy to do, but have Converge talk you through where on your Converge login screen to access all the right locations for that info.

by Adria H – Mar 1, 2023 3:38 PM (UTC)

Adria, we have been working with them for over a month. They have offered no solutions. As far as we know, each of our guests have filled out all the information when entering their credit card into. Is there any way OwnerRez would accept a booking without all the info? I would hope not!

Ken T
Mar 1, 2023 10:45 AM
OR Team Member Joined Aug, 2019 1324 posts

No, I'm pretty sure that we do indeed require full address information, and pass it along to the payment processor.

Was Converge willing to at least cite a specific booking where a payment request was made without providing the required information?  We can check the logs and prove that it is being sent to them.  Please write the Helpdesk with the ORB number of such a booking so we can investigate.

Take to the Lake
Mar 2, 2023 12:29 PM
Joined Aug, 2022 15 posts

No, I'm pretty sure that we do indeed require full address information, and pass it along to the payment processor.

Was Converge willing to at least cite a specific booking where a payment request was made without providing the required information?  We can check the logs and prove that it is being sent to them.  Please write the Helpdesk with the ORB number of such a booking so we can investigate.

by Ken T – Mar 1, 2023 3:45 PM (UTC)

I just sent a report to help@ownerreservations.com. I'm also on the line with Converge, but no help yet. Thank you.

Take to the Lake
Mar 2, 2023 12:38 PM
Joined Aug, 2022 15 posts

No, I'm pretty sure that we do indeed require full address information, and pass it along to the payment processor.

Was Converge willing to at least cite a specific booking where a payment request was made without providing the required information?  We can check the logs and prove that it is being sent to them.  Please write the Helpdesk with the ORB number of such a booking so we can investigate.

by Ken T – Mar 1, 2023 3:45 PM (UTC)

I just sent a report to help@ownerreservations.com. I'm also on the line with Converge, but no help yet. Thank you.

We will be getting a call next week with a Relationship Manager to perform a Rate Review. I'd love to share with them your findings at that time, if possible.