📊 New Features

• New and prospective merchants in the US and Canada can now complete onboarding entirely within the ValPay portal — no separate redirect. The guided, step-by-step application covers your business and legal details, decision-makers and ownership, and bank account, with document uploads, masked sensitive fields, and electronic signing of the required agreements. You can save your progress and pick up right where you left off, and a welcome screen shows exactly what's left to finish or verify. Sales agents can also send a secure, personalized application link straight to a merchant to complete on their own. This experience is rolling out gradually, so it may not appear on every account right away.

🚀 Improvements

• Onboarding now shows friendlier, easier-to-understand messages (in English and French) when something needs your attention, with the guidance surfaced right on the step that needs fixing.

• Eligible merchants are now shown Terms & Conditions in French when French is their preferred language.

📊 New Features

• Order & Track Payment Terminals in the Portal: You can now order payment terminals directly from the portal and follow each order from placement through shipping and delivery. Browse the terminal catalog, place an order with your shipping details, view all orders in one list, open an order for details, and cancel if needed. You'll receive email updates as your order is placed, shipped, and delivered. This feature is rolling out gradually, so it may not appear on every account right away.

🚀 Improvements

• Edit Store Details While Under Review: Store details — including store name, settlement time, and address — can now be updated while the store is still under review. Previously these changes were locked until the review finished.

🚀 Improvements

• Admin tools for recovering store onboarding now include retry options, an attention badge, and clearer dialogs.

🛠 Bug Fixes

• Payment status cards now show the right currency symbol (for example, £ for GBP) based on your transactions.

• The Disputes tab count no longer overflows for large (4+ digit) values.

🚀 Improvements

• Deposits now show as Completed only once they are fully finalized, improving the accuracy of deposit status.

📊 New Features

• Capital Financing Widget: Eligible merchants can now view and accept business financing offers directly from the portal home page.

🚀 Improvements

• Unified Date Range Picker: The date picker on the Dashboard, Payments, and Deposits pages now uses a single calendar — select your start date, then your end date, and the full range is highlighted.

• Clearer Terminal Error Messaging: When a merchant's stores aren't configured for card-present terminals, the portal now displays a specific, actionable message instead of a generic error.

🛠 Bug Fixes

• ACH Return Reason: The dispute action banner for ACH returns now shows the actual return reason instead of always displaying "insufficient funds."

• Deposit Transaction Date Grouping: Transactions in the Deposit Details page are now grouped by their settlement date, matching the "Settlement Date" column and the deposit's actual date.

🚀 Improvements

• The Payments page now loads reliably for merchants with very large numbers of stores.

• The User Management store selector is no longer limited to 100 stores, and “Select All Stores” now includes every store.

• The merchant Stores grid now loads all stores beyond the first 100, with pagination.

📊 New Features

• Filter by Terminal: A new filter on the Payments page lets you narrow transactions by the terminal device they were processed on.

• Terminal Serial Number on Transaction Detail: The serial number of the terminal used for an in-person transaction is now shown on the transaction detail page.

• 3DS Authentication Details: You can now see 3D Secure authentication details directly on a transaction's detail page.

• Cascading Transaction Filters: New cascading filters let you narrow your transaction view across your organization levels in sequence.

• Terminal Info in Receipts: Transaction receipts now show terminal information for in-person payments.

🚀 Improvements

• Improved Name Search: You can now search for users by first name and last name separately.

• Dispute Notification Improvements: Dispute email notifications now only send for relevant statuses, reducing unnecessary alerts.

📊 New Features

• Pending Payout Info Banner: The portal now explains that deposits and payouts can take up to 48 hours to clear while processing is underway, setting clearer expectations around payout timing.

• Disputes Access Management: Teams can now manage who has access to Disputes features.

🚀 Improvements

• Dedicated Disputes Section: The Disputes tab that previously appeared within payment transaction details has moved to its own dedicated section.

🛠 Bug Fixes

• Rate Field Validation: Fixed an issue where clicking into a rate field for a card type that had never been configured showed a validation error and prevented saving.

🚀 Improvements

• Discounting Form — Scroll to Errors: Submitting the Discounting form with incomplete or invalid information now automatically scrolls to the field that needs attention.

• Commercial Cards Tab Auto-Selected: If required fields on the Commercial Cards tab are missing, the portal now navigates you to that tab when you try to proceed.

• Improved Commercial Card Rate Interface: The Commercial Cards section in Discounting has a cleaner look, with a lock overlay that prompts you to unlock before editing commercial rates.

• Dispute Email Links: Dispute notification emails now include a direct link to the Disputes section. The response deadline shown in emails is now 1 day before the due date (previously 3) for most dispute types.

• Support Reference Codes: Unexpected system errors now show a reference code you can share with the ValPay support team for faster resolution.

• Clearer Deposit Column: The "Outstanding" column in the Deposits Transactions tab is now labeled "Remaining Fees."

• Emails in Preferred Language: Emails to merchant administrators are now delivered in their preferred language (English or French).

• French Verification Pages: Merchants who selected French are now directed to the French version of the account verification pages.

🛠 Bug Fixes

• Language Preference Applied Correctly: Merchants with French as their preferred language now log into the portal in French as expected (previously defaulted to English).

• Dispute Viewing Error Resolved: Fixed an error screen that appeared when opening certain disputes.

📊 New Features

• Disputes Action-Required Badge: The Disputes menu item now shows a count badge of disputes that need your attention.

🚀 Improvements

• Searchable Industry Codes: When choosing an industry code, you can now search by description, numerical identifier, or MCC code, and the list has been expanded.

• "Remaining Fees" in Exports: The column previously labeled "Outstanding" in Single and Multi Deposit Exports is now labeled "Remaining Fees," and the Single Deposit Export value now reflects Fees minus Surcharge when a surcharge applies.

• Broad French Localization — Portal: French translations were added or corrected across the Payments, Deposits, and Merchant Applications grids (including pagination), User Management, Disputes, Void and Refund modals, Security Settings, and more.

• Broad French Localization — Emails: System-generated emails (application reminders, agreement-signed notices, statements, and welcome/account information) now use the correct French templates. Merchant emails default to English unless a language preference is set.

• French Export Support: CSV exports for transactions and deposits now use correct character encoding, and statuses and sources are translated when French is selected.

📊 New Features

• Language Preference Foundation: Backend support for user language preferences (English, French, or auto-detect) has been added, laying the groundwork for upcoming localization across notifications and account statements.

📊 New Features

• Expanded Disputes Access: Disputes are now available to more users as part of a controlled rollout, with access managed per user. Access is not granted by default — it must be enabled explicitly.

• File Attachments on Dispute Responses: When submitting a written response to a dispute, you can now optionally attach a supporting file (combined automatically, up to 2 MB total).

🚀 Improvements

• Dispute Email Links: Dispute notification emails now include a direct link to the relevant dispute.

🛠 Bug Fixes

• Direct Debit Excluded from Disputes: Direct debit transactions are no longer shown in the Disputes section — they aren't eligible for dispute management and were appearing incorrectly.

• ACH Reject Status Corrected: ACH Reject transactions now display the correct status of "Rejected" rather than "Lost."

• File Upload Area Hides After Attachment: After a successful upload, the upload area now disappears, leaving only the uploaded file and its actions.

• ACH Reject Confirmation Message: The success message after marking an ACH Return as handled now reads correctly.

• HKD Fee Limits: Merchants operating in HKD can now enter chargeback and ACH return fees appropriate for their currency (previous limits were calibrated for USD).

📊 New Features

• New guided merchant onboarding: a step-by-step flow covering company details, store details (locations, contacts, banking, and trading), principals and ownership, and an application summary.

• French language support, with in-app language switching.

🚀 Improvements

• Country-specific banking fields: non-US bank accounts now show the right fields (for example, IBAN, Sort Code, and BSB).

🛠 Bug Fixes

• The Virtual Terminal Saved Cards selector now reliably picks the card you choose.

• Generating a PDF transaction receipt no longer resets the portal's branding.

• Fixed an error when approving a merchant application without a comment.

• The in-app support chat button no longer overlaps side panels.

• Corrected incomplete or inaccurate numbers shown in deposit details.

🛠 Bug Fixes

• Fixed deposit calculation inconsistencies between the portal display and exported data.

• Fixed Virtual Terminal saved card selection that could incorrectly select the wrong card.

• Fixed missing or incomplete bank account details for non-US accounts.

• Fixed duplicate or incorrect store names appearing in the Statements page dropdown.

🛠 Bug Fixes

• Virtual Terminal payments are now correctly processed for merchants who take orders by phone or mail, with no website required.

• Resolved an issue where a stored card could fail when processing a Virtual Terminal payment.

📊 New Features

• Launched a new Disputes section with a dedicated page, filterable grid, and detailed dispute drawer (status, financial impact, timeline, issuer comments, and countdown to due date). Supports Accept, Defend, Refund, Void, and Mark as Handled actions with evidence uploads.

🚀 Improvements

• Timezone identifiers across the dashboard now display in user-friendly names.

🛠 Bug Fixes

• Fixed the "All Days" date filter behaviour.

• Fixed an issue where refunds were not correctly deducting from gross totals in Deposit Details.

• Fixed a state/province validation issue affecting certain merchant records.

• Rate and payment method changes now save correctly without needing a page refresh.

🛠 Bug Fixes

• Fixed multiple issues with single deposit exports.

📊 New Features

• Added a visible "Today" filter chip on the Payments page to indicate active date filters.

🚀 Improvements

• Standardized the Stores dropdown across the portal with a consistent, paginated selector.

🛠 Bug Fixes

• Dashboard now correctly shows all stores a user has access to.

• Fixed the Refund Amount field to allow clearing and re-entering partial refund amounts.

• Expired payment authorizations now correctly display an "Expired" status.

📊 New Features

• Added support for merchants operating in China and Hong Kong.

• Added a dashboard checkbox filter to include or exclude authorizations from results.

📊 New Features

• The dashboard now shows summary tiles for Total Transactions, Gross Volume, Processing Fees, and Net Payouts.

• Added quick date presets (Yesterday as default), filter persistence, and PDF export for dashboard reports.

• Added URL-based deep links for merchant tabs, transaction and deposit details, store dialogs, and user management screens.

🚀 Improvements

• Redesigned the mobile dashboard with accordion cards and improved navigation.

• Improved the discounting (fee configuration) layout and added a card-not-present fee column.

• Timezone labels now display in user-friendly abbreviations with accurate daylight saving handling.

🛠 Bug Fixes

• Fixed fee and net deposit discrepancies in exports, and chargeback overcounting in statements.

• Fixed settlement timezone handling, card rate update issues, and incorrect user display names.

📊 New Features

• Users can now search by store name or merchant account for faster lookup.

• Expanded card acceptance configuration options across the portal.

• The Store field has been added to deposit exports, with corrected fee and chargeback calculations.

🚀 Improvements

• Expanded the store dropdown limit to 100 and improved selector behaviour across the portal.

• All users now have access to the dashboard by default.

🛠 Bug Fixes

• Fixed timezone handling on the Payments and Deposits pages for multi-store views.

• Fixed Statements sort order and store balance formatting.

• Fixed saved card payment failures.

🚀 Improvements

• The store dropdown now displays up to 100 stores, improving navigation for merchants with large store lists.

• Improved export error messaging to indicate when an identical export is already in progress.

🛠 Bug Fixes

• Fixed an issue where the Virtual Terminal could show stores from a previous session after logout.

• Fixed phone number editing and validation for US phone numbers in store address forms.

🚀 Improvements

• The updated dashboard is now available to all users, with improved performance, a Today filter for real-time insights, and consistent time zone handling.

• The Statements page has a new design, cascading filters (by organization level and year), and an improved email delivery popup.

• Payments page improvements include faster load times, default date sorting, and a new point-of-sale payment method filter.

🛠 Bug Fixes

• Fixed an issue preventing some users from loading payment methods in the Virtual Terminal.

📊 New Features

• Launched a new Statements page with a modern UI, pagination, and role-based access.

🚀 Improvements

• Statements are now accessible to all users with the appropriate permission.

• After login, users are now routed to the home dashboard for clearer navigation.

🛠 Bug Fixes

• Removed unsupported payment methods for New Zealand merchants to prevent configuration issues.

• Fixed an issue where rapidly clicking export buttons could trigger duplicate export jobs.

📊 New Features

• Refund processing is now available for additional card types.

🚀 Improvements

• Updated payment method labels and dashboard terminology for clarity.

• All fee and rate fields now display with two-decimal precision.

• Improved decimal rendering in Discounting (fee configuration) forms.

• Improved error messaging for account number validation.

🛠 Bug Fixes

• Debit can no longer be accidentally disabled in Discounting Details.

• Fixed navigation and cursor behaviour across dashboard components.

• Fixed duplicate export email notifications when exporting payments.

• Website fields now save correctly on both blur and Enter.

• Store payment method status now refreshes automatically when reopening the Store Details drawer.

• Fixed date filtering for deposits and transactions to correctly respect store time zones.

📊 New Features

• Added in-app live chat support for real-time assistance directly within the portal.

• Added branded error pages to improve the experience when unexpected errors occur.

🚀 Improvements

• Improved footer text visibility on light themes.

🛠 Bug Fixes

• Fixed Canadian phone number validation messaging.

📊 New Features

• Introduced a new data-driven dashboard with filters, sales and payment summaries, visual analytics, and a responsive layout.

• Added Sales Channels and Payment Methods cards, and Payment and Sales Distribution charts.

🚀 Improvements

• Improved phone field behaviour — country codes are now auto-prepended and entries are validated intelligently.

🛠 Bug Fixes

• Fixed sorting, selection, and data propagation issues across the dashboard.

• Fixed a multi-tab login issue after auto-logout; sessions now sync across tabs.

• Fixed multiple issues with rates and payment methods, including additional card types.

📊 New Features

• Added the ability to export deposit details and deposit lists in CSV and Excel format.

🚀 Improvements

• Rebuilt the rates and fee configuration with support for per-card IC+ rates, commercial card rates, and separate card-not-present/card-present rates. Rates now automatically sync with payment methods.

🛠 Bug Fixes

• Fixed an issue preventing certain users from voiding transactions.

• Fixed a data corruption issue that could affect reconciliation.

📊 New Features

• Deposits now have a detailed view with two new tabs: Details (showing deposit summaries, financial breakdowns, and payout timeline) and Transactions (showing grouped transaction data with infinite scroll).

🛠 Bug Fixes

• Interchange values are now only shown for IC+ stores, correcting a display issue on flat-fee stores.

📊 New Features

• Deposits can now be exported as CSV or Excel files using the new "Export Result" button on the Deposits page.

🚀 Improvements

• The Shopper Reference and Saved Cards dropdowns in the Virtual Terminal are now searchable.

• Website field validation has been improved with auto-correction for common formatting issues.

🛠 Bug Fixes

• Fixed an issue where portal branding would revert to the default ValPay theme.

🚀 Improvements

• Users on the legacy portal are now automatically redirected to the new unified portal.

• Decimal input handling in fee and amount fields has been improved for more reliable entry.

🛠 Bug Fixes

• Fixed an issue where the portal would log you out when multiple tabs were open.

• Records beyond the 100th entry now open correctly without losing pre-filled data.

🚀 Improvements

• The Add Store option is now available for pending merchant records.

• Numerous internal performance improvements to data loading.

🛠 Bug Fixes

• Fixed an issue where the Edit User drawer was not displaying merchants, stores, and permissions correctly.

• Fixed a loop in the Virtual Terminal that was causing excessive console errors.

🚀 Improvements

• Branding is now automatically detected based on your domain and user preference.

• Improved validation messages and form stability across the portal.

🛠 Bug Fixes

• Fixed an issue where the checkout screen was not loading.

• Corrected an incorrect Terms & Conditions link in the merchant contract.

• Missing transaction statuses (Settlement Failed, Refund Failed, PREARBITRATION_LOST) are now visible on the Payments page.

📊 New Features

• Rate update functionality is now available in the portal.

🛠 Bug Fixes

• Resolved login stability issues, including idle timeout and unexpected logouts.

• Over 10 bug fixes and improvements across the portal.

• Terms & Conditions now display the correct version for your geography.

• Added surcharge amount and remaining fees to the deposit-transactions list.

• Introduced a new Exports screen.

🛠 Bug Fixes

• Fixed sortBy functionality in Get All Users.

🚀 Performance Enhancements

• Enabled Get All Brands Filtering by brand for Brand Admins.

• Investigated and addressed timeout issues across multiple endpoints.

🏗 Infrastructure & Back-End Enhancements

• Brand Admin back-end: work in progress.

• Backfilled database to support Brand Admin.

📊 New Features

• Added DataGrid Page in Reporting Portal: Admins can now generate PDFs on the fly from statement objects.

• ValPay API:

  • Improved Transactions Endpoint Performance.

  • Updated Get All Users endpoint to support lookups.

  • Updated Get All Users to support Brand Admin.

🛠 Bug Fixes

• Fixed autocomplete component incorrectly propagating empty filters to the API.

• Fixed filtering issues in the Users List.

• Adjusted Filtering by Date in get-transactions (was using transactionDate).

🚀 Improvements

• Increased request timeout and raised merchant limit.

• Enhanced Brand Admin UI.

• Fixed issue where stores were not included in the export request.

• Adjusted Frontend for Updated Brand Data Structure.

• Integrated new APIs for Brand Admin.

• Re-enabled Brand Admin module.

• Integrated new transactions endpoint into the frontend.

🛠 Bug Fixes

• Fixed a validation error for merchants of type 'individual' due to a missing legal name.

• Fixed a rate-limit error when fetching parameters from the param store.

🚀 Improvements

• Increased automated test coverage.

• Enabled merchants to add and edit bank account information from the bank accounts tab.

• Enhanced the refund request process to include split settlement information.