Settings reference
Every key an admin can set under Settings, grouped as the screen groups them. Types: text, number, amount in dollars, yes / no, or one of a list. Empty means "use the default". Catalogue tables (statuses, stips, decline reasons…) are managed under Settings → Catalogs and are not listed here.
Company profile
| Key | Type | Default | What it does |
|---|---|---|---|
email | Text | — | The company's main contact address on the profile. Kept for reference; nothing in the app reads it yet — contracts print company.contractEmail and outgoing mail is sent from email.fromAddress. |
login | Text | — | A short company name for the sign-in screen, carried over from an earlier system. Kept for reference; nothing in the app reads it yet — portals, emails and documents show branding.displayName. |
name | Text | — | The company's name on the profile. Portals, emails and documents show branding.displayName when it is set, and contracts print company.legalName. |
Branding
| Key | Type | Default | What it does |
|---|---|---|---|
appearance. | One of a list | Top bar | Where the main navigation lives: a bar across the top or a sidebar on the left; themes restyle either. Set from Settings → Appearance. Choices: Top bar, Sidebar. |
company | Text | — | A brand color (hex, e.g. #1A73E8), carried over from an earlier system. Kept for reference; nothing in the app reads it yet — the app's colors come from the theme under Settings → Appearance. |
company | Text | — | A brand color for email headers (hex), carried over from an earlier system. Kept for reference; nothing in the app reads it yet — email styling is set under Settings → Email styles. |
logo | Text | — | A logo address carried over from an earlier system. Kept for reference; nothing in the app reads it yet — upload the logo under Settings → Branding (branding.logoUrl). |
branding. | Text | — | Company name shown on portals, emails and documents; empty = the registered company name |
branding. | Text | — | Square icon used for the PWA and favicon; set from Settings → Branding |
branding. | Text | — | Logo shown in the sidebar, portals and branded email; set from Settings → Branding |
Localization & formatting
| Key | Type | Default | What it does |
|---|---|---|---|
country | One of a list | — | The company's country; only the United States is offered. Kept for reference; nothing in the app reads it yet. Choices: United States. |
currency | Text | — | The company's currency code. Kept for reference; nothing in the app reads it yet — amounts are shown in US dollars. |
date | One of a list | MM/DD/YYYY (US) | How dates are written across the app, documents and exports. Choices: MM/DD/YYYY (US), DD/MM/YYYY, YYYY-MM-DD (ISO). |
federal | One of a list | — | How a federal tax ID (EIN) is written. Kept for reference; nothing in the app reads it yet. Choices: USA (XX-XXXXXXX), No formatting. |
time | One of a list | — | The company's time zone: "today", due dates and report cut-offs follow it. Stored times stay in UTC. Choices: (UTC-11:00) American Samoa, (UTC-10:00) Hawaii, (UTC-10:00) Aleutian Islands, (UTC-09:30) Marquesas Islands, (UTC-09:00) Alaska, (UTC-08:00) Pacific Time (US & Canada), (UTC-07:00) Arizona, (UTC-07:00) Mountain Time (US & Canada), (UTC-06:00) Central Time (US & Canada), (UTC-05:00) Eastern Time (US & Canada), (UTC-04:00) Atlantic Time (Puerto Rico). |
Advance numbering
| Key | Type | Default | What it does |
|---|---|---|---|
advance | Text | — | Text put in front of every new deal number (e.g. MCA- gives MCA-100042). Existing deal numbers do not change. |
advance | Text | — | Text put after every new deal number (e.g. -NY gives 100042-NY). Existing deal numbers do not change. |
show | Yes / no | — | Show a deal's running number next to its deal number, carried over from an earlier system. Kept for reference; nothing in the app reads it yet. |
Submissions & activation
| Key | Type | Default | What it does |
|---|---|---|---|
iso | Yes / no | — | Require an ISO on a new deal before it can go active, carried over from an earlier system. Kept for reference; nothing in the app reads it yet. |
submissions | Yes / no | — | Require at least one submission on a new deal before it can go active, carried over from an earlier system. Kept for reference; nothing in the app reads it yet. |
Collection defaults
| Key | Type | Default | What it does |
|---|---|---|---|
defaults. | One of a list | — | The collection frequency new deals were meant to start with. Kept for reference; nothing in the app reads it yet — a new deal starts blank and you pick one. Choices: Daily, Weekly, Monthly. |
ach. | Amount ($) | $0.00 | Bounce fee raised as a PENDING BOUNCE_FEE payment when a processor callback returns a debit; 0 = no fee |
ach. | Number | 2 | Days after a credit settles during which a return is still expected before the status poll treats it as final |
ach. | Number | 3 | Days between re-presentments |
ach. | Yes / no | Yes | When a scheduled pull bounces, add a make-up pull for the same amount after the last scheduled pull (never for non-retryable NACHA returns); see ach.bounce.makeupOnCover for what happens when the bounce is re-presented |
ach. | Yes / no | Yes | An extra payment from the merchant comes off the END of the schedule (last pulls cancelled or reduced) instead of the next pull; undone if that payment is reversed |
ach. | One of a list | Cancel the make-up pull | What happens to a bounce's make-up pull when the bounce is re-presented or linked as made up. Choices: Cancel the make-up pull, Keep it — any extra collected becomes an overpayment. |
ach. | Number | 2 | How many times a returned debit is re-presented from the collections queue |
collections. | Yes / no | Yes | Default a deal automatically when its bounces meet the rule below (Settings → Collection defaults); off = deals only default by hand |
collections. | Number | 3 | Bounced payments on a deal that default it |
collections. | Number | 0 | Only bounces on payments dated in the last this many days count toward the default rule; 0 = the deal's whole life |
collections. | Yes / no | Yes | A bounce later marked made up still counts toward the default rule |
collections. | Number | 5 | A bounce on a payment dated more than this many banking days ago is a correction, not a new return: it never defaults the deal on its own — the person making the change is asked instead |
Fees & pricing
| Key | Type | Default | What it does |
|---|---|---|---|
fees. | Amount ($) | $200.00 | The application fee amount |
fees. | Yes / no | Yes | Show the application fee as a distinct line in offers/net-proceeds |
fees. | Amount ($) | $50.00 | The wire fee billed to every merchant at funding, whether the money goes by wire or ACH; new deals open with it filled in. Not the fee for a wire the merchant sends us later |
fees. | Amount ($) | $150.00 | The UCC fee billed to every merchant, filed or not: new deals open with it filled in, and Accounting → Fee review fills it on deals that have none |
payments. | Amount ($) | $15.00 | Charged to a merchant who wires money in (a payoff, a catch-up): Add payment fills it in on a wire and books it as its own ledger line, never a deal fee |
funding. | One of a list | Wire | How fundings usually go out. A deal funded without a Funded by gets this method, and so its sending cost. Choices: Wire, ACH, Leave blank. |
funding. | Amount ($) | $25.00 | What the bank charges the house to send a funding by wire — booked as a house expense on deals marked Funded by Wire; overridable per deal |
funding. | Amount ($) | $0.00 | What sending a funding by ACH costs the house; overridable per deal |
offers. | Number | 5 | Lowest bank fee % the calculator allows |
offers. | Number | 5 | Standard bank fee %; reductions below it come dollar-for-dollar out of the ISO commission |
offers. | Structured (JSON) | 9 tiers, 1.30× → 1.499× | Factor→commission-% bands, lower-bound stepwise (default bands) |
offers. | Yes / no | No | Broker slide-down adjustments apply immediately and move the deal to the contract stage; off = funder re-approves each counter |
offers. | Number | 1.30 | Lowest factor an ISO may sell at in the offer calculator |
Contracts
| Key | Type | Default | What it does |
|---|---|---|---|
contracts. | Number | 50 | A deal's signers must own MORE than this percent of the merchant between them before a contract goes out; 50 means two 25% owners are not enough. A permitted user may override with a note |
contracts. | Yes / no | Yes | Every signer initials the bottom right of every page of a contract generated from a Word template |
company. | Text | — | The funder's legal name as contracts print it (e.g. with "LLC"); empty = the registered company name |
documents. | Structured (JSON) | — | Document design stamped on every document sent for signature — header logo, faded watermark, footer text, page numbers; edited on Settings → Document design |
company. | Text | — | The funder's legal address, line 1 — contracts, notices |
company. | Text | — | The funder's legal address, line 2 |
company. | Text | — | The funder's legal address, city |
company. | Text | — | The funder's legal address, state |
company. | Text | — | The funder's legal address, ZIP |
company. | Text | — | The address merchants write to under the contract (reconciliation requests, notices) |
company. | Text | — | The funder's phone as state disclosures print it |
disclosure. | Text | — | How the state disclosure describes the funder's fees other than the finance charge |
disclosure. | Text | — | The collateral / security the state disclosure describes |
disclosure. | Text | — | Where the contract's reconciliation provision is, as the disclosure cites it, e.g. Section 4 |
wire. | Text | — | Incoming wire / ACH instructions printed on contracts and payoff letters — the receiving bank's name |
wire. | Text | — | The receiving bank's address |
wire. | Text | — | The receiving bank's ABA / routing number |
wire. | Text | — | The name on the receiving account |
wire. | Text | — | The account holder's address as the bank has it |
wire. | Text | — | The receiving account number — change it here and every contract generated afterwards uses the new one |
Syndication & performance
| Key | Type | Default | What it does |
|---|---|---|---|
performance | Yes / no | — | Include a deal's first, partial period in syndicator performance figures, carried over from an earlier system. Kept for reference; nothing in the app reads it yet. |
house. | Yes / no | Yes | Once a day, the house wallet above house.reserve moves into house syndication (an internal move, no bank entry) so it is available to fund deals |
house. | Amount ($) | $500.00 | What stays in the house wallet for the house's own bills — wire sending costs, bank charges, referral cuts |
syndicator | Yes / no | — | Allow a syndicator to be paid more than their share of the payback, carried over from an earlier system. Kept for reference; nothing in the app reads it yet. |
Bounce notifications
| Key | Type | Default | What it does |
|---|---|---|---|
send | Yes / no | — | Email the merchant when a payment bounces, carried over from an earlier system. Kept for reference; nothing in the app reads it yet — the early-bounce rule can email the merchant (bounce.early.notifyMerchant). |
update | Yes / no | — | Apply changed bounce rules for non-ACH payments to every existing deal, carried over from an earlier system. Kept for reference; nothing in the app reads it yet. |
bounce. | Number | 2 | Bounces within the early window that trigger the red flag + clawback-risk alert |
bounce. | Yes / no | Yes | Flag deals with early payment failures — bounces within the first days after funding |
bounce. | Yes / no | No | Also email the merchant when the early-bounce rule fires |
bounce. | Number | 30 | Days after funding that count as "early" (matches the commission clawback window) |
bounce. | Number | 3 | Bounces within the window that trigger escalation |
bounce. | Yes / no | No | Flip a weekly deal to daily collections after repeated bounces |
bounce. | One of a list | CONFIRM | AUTO flips the schedule itself; CONFIRM notifies the underwriter to decide Choices: AUTO, CONFIRM. |
bounce. | Number | 30 | Rolling window for the bounce count |
Accounting
| Key | Type | Default | What it does |
|---|---|---|---|
recon. | Number | 3 | Banking days an unmatched collection may stay outstanding before bank reconciliation calls it stale instead of in transit (0–10; never shorter than the payment channel's own norm). |
API & webhooks
| Key | Type | Default | What it does |
|---|---|---|---|
api. | Number | 0 | Longest an API key may last, in days; a key made without an expiry gets this one, a longer one is refused, and a rotation is cut to it; 0 = no cap |
inbound | Text | — | Shared secret for POST /api/webhooks/inbound/<source>; the sender signs HMAC-SHA256 over "<timestamp>.<body>" into X-Timestamp / X-Signature. Empty = inbound webhooks off |
Other
| Key | Type | Default | What it does |
|---|---|---|---|
apply. | Number | 200 | Submissions accepted per hour across all forms; per-IP stays at 5/hour |
apply. | Text | — | Turnstile secret used to verify each submission server-side; set both keys to turn the captcha on |
apply. | Text | — | Cloudflare Turnstile site key rendered on the hosted application form; empty = no captcha |
compliance. | Text (2-letter state) | — | Fallback jurisdiction for disclosures and UCC filings when the merchant has no state; empty = US |
email. | Text | — | Comma-separated addresses BCC'd on every tenant-facing email (signer invites, reminders, offers, letters, statements); the recipient is never copied |
email. | Text | — | Comma-separated addresses CC'd on every tenant-facing email; merged with any per-message CC, the recipient never copied |
email. | Text | — | From address on tenant-facing mail; empty = the platform gateway's address. Set only a domain verified under Email domains, or the provider rejects it |
email. | Text | — | Display name on the From header of tenant-facing mail (signer invites, offers, letters); empty = the branding display name, else the company's registered name |
email. | Text | — | Shared secret the inbound-email webhook URL must carry (?token=…); empty = inbound email off |
email. | Yes / no | No | Emailed broker applications auto-create ISO + merchant + deal with attachments filed |
email. | Yes / no | No | Send the email templates set to "auto-send on status change" when a deal's submission moves to their trigger status (Settings → Email templates); off = templates are only sent by hand, even with auto-send ticked |
email. | Yes / no | No | Send the email templates set to auto-send on "Payment bounced" when a collection bounces — new returns only (a payment older than collections.default.newReturnDays banking days is a correction and sends nothing), once per payment |
alerts. | Yes / no | No | The "Payment bounced" alert also fires for bounces staff or the API enter on a payment, not only for processor returns (Settings → Alerts, #1205) |
email. | Text | — | Reply-To on outbound mail — point it at the shared intake mailbox so replies flow back through email intake and thread onto their deal |
email. | Number | 0 | Id of a connected, send-enabled mailbox (Settings → Mailboxes) that ALL tenant-facing mail goes out through instead of the platform gateway — signer invites, offers, letters, reminders; 0 = the gateway with the From address above |
esign. | Text | — | Display-only — subject and expiry of the company's own signing certificate installed in Settings → E-signature; the bundle itself lives in the control-plane secret store; empty = platform certificate |
esign. | Text | — | The company's own consent wording shown on the e-sign consent screen, under the standard E-SIGN/UETA disclosure; empty = disclosure only |
esign. | Number | 14 | Days a signature request stays open after sending; then it expires and the links refuse |
esign. | Number | 3 | Days a signer may sit on their turn before the first reminder email, and between reminders |
esign. | Number | 3 | Reminders sent per signer before the platform stops chasing; staff can still send one by hand |
partners. | Yes / no | No | Hide Merchants/Leads tabs; slim deal creation to merchant+ISO |
partners. | Yes / no | No | Allow ISO/broker logins into the partner portal (own deals only) |
partners. | Yes / no | No | Lock product type to MCA; hide product selectors |
partners. | One of a list | HYBRID | Reshapes pipeline/nav/wording to the tenant's business Choices: DIRECT_FUNDER, BROKERAGE, HYBRID. |
partners. | Yes / no | Yes | Show the Commission Reps tab + rep commission splits |
renewal. | Number | — | Minimum days since funding before a deal is flagged renewal-eligible (Settings → Renewals) |
renewal. | Number | — | Paid-down percentage a funded deal must reach before it is flagged renewal-eligible (Settings → Renewals) |
renewal. | One of a list | Roll in-transit pulls into the renewal | How a renewal treats pulls on the old deal that are still clearing: roll them into the payoff (when they clear they become an overpayment to apply or refund), or assume they clear (a bounce reopens the old deal). Choices: Roll in-transit pulls into the renewal, Assume in-transit pulls clear. |
stips. | Yes / no | Yes | Mandatory stips block sending contracts (e-sign) until completed or waived |
stips. | Yes / no | Yes | Mandatory stips block the FUNDED transition until completed or waived |
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