UltraCart Payments provides simple, user-friendly and secure way for individuals and businesses to accept payments online in the UltraCart StoreFront. At the moment UltraCart Payments is available for merchants from the US and Canada.

Important Announcement

WePay has announced that they will be shutting down their service as of August 29th, 2024.

Important Notes

Prohibited Products and Services

Prohibited Activities (see terms and services here: https://go.wepay.com/terms-of-service)

By registering for WePay as a Merchant (UltraCart Payments), you also confirm that you will not accept payments or use the Service in connection with the activities, items or services set forth below. Please contact activity-inquiry@wepay.com if you have questions about whether these categories apply to you.

Private Prison Operators
Pharmaceuticals – Prescription Opioid Manufacturers and Distributors (majority business)
Post-Acute and Long-Term Care
Life Settlements Providers
Life Settlements Financing
Drug Paraphernalia
Adult Entertainment and Adult Oriented Businesses
Collection Agencies / Consumer Debt Buyers / Collection Litigation Law Firms
Manufacturers of modern sporting rifles (assault-style weapons) with civilian end users
Manufacturers and retailers of 80% lower receivers that are used to create unserialized firearms
Other social risk issues: Clients that have been subject to allegation and impacts related to hate groups, systemic racism, sexual harassment, corporate culture, etc.
Credit Risk Start-up professional sports leagues
Payday and Payroll Lenders (including Small Dollar Lenders)
Products/services solely based on guaranteed rebate, refund or prize
Telecommunication Services, including Local and Long-Distance Calls, Credit Card Calls, and Fax Services
Electric Car Charging
Door to door sales – Unsolicited vendors with immediate payment expected
Lifetime guaranty
Lifetime memberships
Airlines
Car rental agencies
Branded Lodging - Hotels, Motels, Resorts
Timeshares
Travel Agencies
Travel Tour Operators without membership to a Travel Industry Bonding Agency or not an authorized ticket agent
Bail Bonds
Buy Here, Pay Here (In House Financing) – via Debt Repayment Programs
Buy Now Pay Later Providers
For Profit Higher Education (FPHE)
Military and Defense
Multi-level marketing
Repossession Agencies
Pawnbrokers and Pawn Shops
Pharmaceuticals – Prescription Opioid (minority business)
Pharmaceuticals, internet pharmacies
Tobacco / E-cigarettes / Vaping
Direct Marketing – Outbound Telemarketing
Direct Marketing - Inbound telemarketing, negative option, renewal, or continuity subscription practices
Retail Alcohol sales and liquor sales
Casinos and other Gaming establishments
Online Sports Betting (including Daily Fantasy Sports)
FinTechs (e.g., P2P Crowdfunding) / Marketplaces / Payment Facilitators
Foreign Financial Institutions
Funds (i.e. Hedge, Pension, Private Equity, Real Estate Investment Trusts)
Ingestible products containing hemp-derived CBD (e.g., supplements and food additives)
New Banks / Credit Unions
Digital wallet, stored value, top-up wallet, prepaid companies, prepaid phone cards or cash services, sale of mobile minutes, or quasi cash
Cash at Point of Sale
Condo (real estate) down payments
Investment of futures
Commercial leasing merchants
Licensed insolvency practitioners
Mortgage payments
Cannabis

You agree to provide additional documentation upon request for risk assessment purposes and to verify that you have not engaged in prohibited activity.

If WePay determines that you have received funds resulting from fraud or a prohibited activity, those funds may be frozen, returned to the Purchaser, or seized.

In addition, if we reasonably suspect that your Account has been used for an unauthorized, illegal, or criminal purpose, you give us express authorization to share information about you, your Account, your access to the Service, and any of your transactions with law enforcement.

Merchants with existing auto orders prior to integration of Ultracart Payments

IMPORTANT NOTE FOR MERCHANTS WITH EXISTING AUTO ORDERS

UltraCart Payments requires the original order of an auto order be processed with the CVV number.

Due to this requirement, any existing auto orders prior to the integration of UltraCart Payments will not process due to the missing CVV number.

In order to transition from another gateway to the UltraCart Payments gateway, you'll need to reach out to the customer to obtain the CVV number and restart their auto order.

Setup UltraCart Payments

Follow the step below to setup your account:

By default the account is set to the United States and US dollars. You can change the currency type by going to the Multi-Currency section within the account.
From the Main Menu navigate to Configuration > Checkout > Payments. At the top of the page there will be a section for UltraCart Payments.

Important Note Regarding Rotating Gateways Configuration

If your account is configured with rotating gateways, do not use the "Enable UltraCart Payments" in the Payments configuration page.

Instead, you'll need to navigate to the Rotating Gateways configuration page and click the "New Ultracart Payments" button.

Click "Enable UltraCart Payments" to bring up a short enrollment form. This information will be used to create your account and provide some details about your business.
When you have completed the form simply click the "Enroll" button at the bottom. The page will refresh and you should see the following:
You will also get an activation link sent to your email address. Along with the activation link you will get the "UltraCart Payaments via WePay" email to confirm your account. The "Confirm" button in the email will direct you to the control panel to complete the payment method settings.
After setting a Password and agreeing to the Terms of serivce you will need to verify your account information. SImply fill in your account details and click "Submit".
The next step is to connect your bank account. Simply enter your bank account details and click "Add Bank"
UltraCart Payments is now ready to be used for payments on your store.

Important Note Regarding Testing your UltraCart Payments Gateway

Do Not Perform Test Transactions With Your Own Credit Card!

In the event that you have made a payment to your own WePay account, please note that self payments and test payments to your own WePay account are prohibited via Section 7 - Prohibited Activities of our Terms of Service (Financial Services>Cash Advances).

Supported Authorization Model

The WePay gateway supports the "auth and capture" authorization model only. You'll need to change your authorization model settings if you have either the "Auth only" or the "Auth then capture" authorization models enabled.

FAQ and Troubleshooting

What do I need to do to start running real transactions?

It will take 24 hours to verify your account information, after that you are ready to process payments.

When will I get my money?

"The date of your next withdrawal is shown at the top of your dashboard. Once a withdrawal is initiated, it typically takes 2-5 business days for the funds to appear in your bank account. Withdrawals are marked "Processing" before we've sent the money to your bank account. In some situations, we may review your account before sending your withdrawal. This process typically takes up to two business days. You can see an estimate of when you should expect to see funds in your bank account by clicking on Previous Withdrawals in your payment dashboard." (https://support.wepay.com/hc/en-us/articles/203609703-When-will-I-get-my-money-)

What are the fees to accept credit and debit card payments?

The processing fees are taken from the full order transaction amount and depend on the UltraCart Plan you use.

For the US

UltraCart Plan	Transaction Fee
Free	2.90% + $0.30 USD
Small	2.90% + $0.30 USD
Medium	2.85% + $0.30 USD
Large	2.80% + $0.30 USD
Enterprise	2.70% + $0.30 USD

For Canada

Also, please check the UltraCart Payments#Required regulatory disclosure of fees in Canada

UltraCart Plan	Transaction Fee
Free	2.90% + $0.30 CAD
Small	2.90% + $0.30 CAD
Medium	2.85% + $0.30 CAD
Large	2.80% + $0.30 CAD
Enterprise	2.70% + $0.30 CAD

Where do I find information on my transactions and transfers?

From the UltraCart Payments settings page in your Payments Configuration area, you will be able to get to your UltraCart Payments dashboard page where you can view your profile and manage transactions.

If not logged directly into the portal, please navigate to WePay/Chase Login Page:

https://www.wepay.com/login/?mc_redirect_url=%2F&partner=chase

Where do I update my personal information?

"My Settings" page in the merchant center is where you will input anything about your profile on UltraCart Payments via WePay. To get to this page click on ULtraCart Payaments Portal shown on the screen above. From there, click "My Settings". Once there, you'll be able to edit your email address, password, contact information, notifications, credit cards, bank accounts.

How to recover the password for WePay Profile?

If you have lost your password for WePay profile or want to reset it, go to this page https://www.wepay.com/register/recover and type in the profile email you have in WePay. The system will send out further instructions to your inbox.

Is UltraCart Payments compatible with "auth only" and "Auth then capture" authorization model configurations?

No. The only compatible authorization model is the standard "Auth and capture" authorization model. All authorizations will be authorized and flagged for capture.

I am testing the checkout with my real credit card and a $1 item and I'm getting a decline message telling me that the address is incorrect, but its not?

The gateway will not allow a single $1 test purchase amount. You'll need to use a minimum total of your test order of $3.

I want to signup for UltraCart Payments, however, I see that does not support my product type (supplements/nutraceutical), so what are my options?

If your product type is not accepted by wePay, UltraCart has many other 3rd party payment gateway integrations that may accept your product type. In the case of so called "high risk" products and services, you may wish to inquire with gateways that cater to those markets, such as: https://www.paykings.com/

Required regulatory disclosure of fees in Canada

One of the key purposes of the Code of Conduct for the Credit and Debit card industry in Canada is ensuring that merchants are fully aware of the costs associated with accepting credit and debit card payments, thereby allowing merchants to reasonably forecast their monthly costs related to accepting such payments. Below are the fee disclosure for Canadian merchants on each UltraCart plan.

Fee Disclosure for Free and Small Plan users.pdf

Fee Disclosure for Medium Plan users.pdf

Fee Disclosure for Large Plan users.pdf

Fee Disclosure for Enterprise Plan users.pdf