Skip to main content

Merchant Services Account One-Time Payments

April 24, 2026

Description

How to use a saved customer token to make an on-demand transaction in Merchant Services online banking

What's in this article?

One-time transactions

An on-demand transaction (also known as one-time payment) is a real-time transaction processed using a token. 

Supported on-demand transactions include:

  • Authorization
  • Sale (authorization and capture combined)
  • Credit (refund)
To take a payment using a saved token
  1. Log in to your Merchant Services account in Business Advantage 360 online banking. 
  2. Select the location.
  3. In the left navigation, select Token Management > Token List.
  4. Click Add filter. You can filter by date, card expiration, email address, card number, token ID or ZIP/postal code.
  5. Select the filter criteria from the dropdown list, then click Search.
  6. Click the Token ID hyperlink to open the Customer Details page. 

    click token ID hyperlink
  7. In the Payment Method section, click the More Actions (…)  menu and select  Make Payment.

    select make payment from the more actions dropdown menu
  8. Select Yes to indicate the transaction is cardholder-initiated or No if the transaction is a merchant-initiated follow-on from a previous transaction.
    What is a customer-initiated transaction vs. a merchant initiated transaction?
    • A customer initiated transaction is an ad hoc transaction that uses the stored credentials plus information from the customer's card to complete the transaction. This type of transaction is performed at the customer's request.
    • A merchant-initiated transaction is used when you need to charge a customer as a follow on to an existing transaction. You will need to select a reason for the transaction:
      ReasonDescription
      ResubmissionResubmitting an authorization to recover an outstanding debt from the customer. Requires the original transaction reference number.
      For example, the card was originally declined due to insufficient funds, but the goods or services were delivered to the customer. 
      Delayed ChargesAdding a supplemental charge after the initial charge was processed. Requires the original transaction amount.
      ReauthorizationReauthorizing a transaction when fulfillment extends beyond the original authorization window, such as delayed or split shipments. 
      No ShowCharging an agreed-upon fee when a customer fails to appear for a reservation or appointment. 
      IncrementalIncreasing the authorized amount when the initial authorization does not cover the final cost of goods or services. 
  9. Select a saved payment method from the dropdown list.

    NOTE: You may also initiate a payment by selecting the payment instrument token or identifier and clicking Make a Payment at the top right of the screen. If you use this option, you will not be able to select a payment method or shipping address.

  10. Select a saved shipping address from the dropdown list, then click Proceed.
    The  One-Time Payment page appears with billing information, shipping information, and payment Information pre-populated from the token. You can edit the billing and shipping information, if needed.

    one time payment form
  11. Enter the order or merchant reference number, transaction amount and any other information, such as tax amount or tax exempt status. The total updates automatically. 
  12. In Payment Information, card details are pre-populated. 
    • For customer-initiated transactions,  enter the CVV.  

      enter cvv
  13. Click Submit to process the transaction.

Follow On Transactions

Follow‑on transactions allow you to process additional orders without requiring customers to re‑enter billing, shipping, or payment details. The original transaction information is retrieved and reused to process a new transaction.

  • New orders: Processes a new transaction that is based on, but not linked to, the original transaction. The amount may differ from the original amount.
  • New Authorizations: Similar to New Order, but the transaction is linked to the original transaction. Related transaction details are displayed in the  Related Transaction section.

NOTE:
Expired authorizations cannot be settled and require a new authorization.

To create a new order or authorization from an previous transaction
  1. Search for the transaction and click the Request ID.
  2. On the Transaction Details page, click the More Options (…) menu.

    more options menu
  3. Select New Order or New Authorization.
  4. Click Confirm. The One-Time Payment page opens. 
  5. Edit the billing and shipping information, if needed.

    one time payment form
  6. Enter the order or merchant reference number, transaction amount,  and any other information. The total updates automatically. 
  7. If this is a customer-initiated transaction, enter the CVV for the card in Payment Information. The card information will be pre-populated. 
  8. Click Submit.
Did you find this article helpful?