What is Nexa Merchant Services?

It is the merchant account and payment processing arm of Nexa OFS. It enables businesses to accept card payments online and receive funding to their own bank account.

Do I get my own merchant account?

Yes. Approved sellers are underwritten individually and process under their own merchant account rather than a pooled platform account.

How long does approval take?

It depends on how complete the application is and whether additional documentation is requested. Providing accurate business, ownership, and banking details up front is the fastest path.

How quickly do I receive my money?

Captured transactions are batched and funded on the processor's settlement schedule, typically within a few business days. Expected deposits are visible in the payouts dashboard.

What does payment processing cost?

Cost is driven by interchange set by the card networks, plus network fees and processing margin. Per-transaction cost is shown in reporting so you can calculate true margin.

Can I use my existing payment processor instead?

The integrated experience — real-time margin, automatic rewards accrual, and unified reporting — depends on processing through Nexa Merchant Services. Talk to the merchant team about specific requirements.

What happens if I get a chargeback?

The dispute appears in your dashboard with its deadline and the evidence required. Submitting complete evidence before the deadline gives the best chance of a favorable outcome.

Nexa Merchant Services

Nexa Merchant Services is the payments arm of Nexa OFS. It gives a business the thing that makes commerce possible in the first place: the ability to accept a card payment and receive the money. Unlike marketplace models where sellers live inside a pooled platform account, approved Nexa sellers are underwritten into their own merchant account, so the processing relationship and its history belong to the business.

Key takeaways

Approved sellers process under their own merchant account, not a shared platform account.
Card-not-present processing covers storefront, marketplace, and invoice payments.
Funding goes to the seller's own bank account on the processor's settlement schedule.
Refunds, chargebacks, and recurring billing are handled inside the same dashboard.
Underwriting is required, and approval depends on business type and risk profile.

What merchant services actually are

Accepting a card payment involves more parties than most people expect. There is the gateway that securely transmits card details, the processor that routes the transaction, the card networks that carry it, the issuing bank that approves or declines it, and the acquiring relationship that ultimately deposits money into the business's account. Merchant services is the package that arranges all of that on the business's behalf.

The practical consequence is simple. Without merchant services a business can display prices but cannot collect them. With merchant services, a checkout button turns into deposited funds.

Your own merchant account, and why it matters

Many online marketplaces make the platform the merchant of record. Every seller's sales flow through one account and the platform distributes balances afterward. It is easy to launch on and painful to depend on: payouts can be delayed by decisions made about the platform rather than about your business, and none of the processing history accrues to you.

Nexa Merchant Services takes the other approach. Approved sellers are underwritten individually and process under their own merchant identity. Funding is a direct relationship, the deposit descriptor is the business's own, and the transaction history builds a record the business can carry forward.

What is included

Card-not-present processing: Accept major card brands online for storefront checkout, marketplace orders, invoices, and payment links.
Gateway and tokenization: Card details are captured securely by the gateway. Subsequent captures, refunds, and recurring charges reference the gateway transaction rather than stored card numbers.
Funding to your bank: Captured batches are deposited to the bank account provided during underwriting, on the processor's settlement schedule.
Refunds and voids: Issue a full or partial refund directly from the order screen; voids are available before a transaction settles.
Dispute and chargeback support: Disputes are surfaced with their deadlines and required evidence so responses are not missed.
Recurring billing: Subscriptions and repeat charges run on schedule with invoices generated automatically.
Reporting: Gross sales, processing costs, refunds, and net expected deposit, reconcilable against the bank statement.

The application and approval process

Submit the applicationProvide legal business name, structure, tax identification, ownership details, the products you sell, and expected monthly volume and average ticket.
Provide banking detailsThe account where funding should be deposited. Name on the bank account should match the legal business entity.
Underwriting reviewThe application is reviewed for business legitimacy, product category, and risk. Additional documentation may be requested, such as processing statements for an existing business.
Approval and configurationOn approval, processing credentials are attached to your store and a test transaction confirms the path end to end before you go live.
Go livePublish your catalog, accept your first order, and confirm the first deposit lands as expected.

Understanding your costs

Processing cost is driven mostly by interchange, which the card networks set based on card type and how the transaction is presented. A rewards credit card costs more to accept than a basic debit card, and card-not-present transactions cost more than in-person ones. On top of interchange sit network fees and the processing margin.

Two things make costs manageable. First, transparency: the dashboard shows what each transaction cost so margin is knowable rather than estimated. Second, avoidable waste: reducing refunds, responding to disputes on time, and passing complete transaction data all reduce cost over the course of a year.

Managing risk and disputes

Use a clear billing descriptor so customers recognize the charge on their statement and do not dispute it as fraud.
Keep delivery evidence — tracking numbers, pickup confirmations, and signed acceptances for large orders.
Answer customer messages quickly; most disputes start as an unanswered question.
Publish a clear refund policy and honor it, since a refund is almost always cheaper than a chargeback.
Respond to disputes before the deadline with the evidence the case requests, not with a general explanation.

Who can be approved

Most ordinary retail, food, apparel, home goods, collectibles, and service businesses can be supported. Categories that carry elevated regulatory or chargeback risk may require additional review or may not be supportable. If your category is unusual, ask before building — it is a five-minute conversation that saves weeks.

Staff, permissions, and multiple stores

A business often has more than one person touching orders and more than one brand. Nexa supports both. Staff can be granted narrow capabilities such as fulfillment without financial visibility, and an owner can operate multiple storefronts, switching between them from a single dashboard while each store keeps its own settings and payout configuration.

Frequently asked questions

Short, direct answers to the questions people most often ask about this topic.

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