GET STARTED!

Merchant guide for:

  • Taking Applications
  • Logging in to the Merchant Portal
  • Invoicing and Completing Transactions
SCHEDULE 1:1 TRAINING
APPLICATIONS | LOGGING IN | INVOICING | RELEASING MERCHANDISE | MERCHANT FAQ

HOW IT WORKS

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Customer applies in-store or online using your unique Customer Application Link or QR Code.

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The Terrace Finance platform works to match the customer with a payment solution provider.

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Notification of approval status is sent to both you and the customer. The status is also visible in your Merchant Dashboard.

send invoice icon

You check the customer’s ID against their application info. Complete the invoice form in your Merchant Dashboard and submit.

The contract and first payment are initiated by the assigned provider. The customer reviews thier offer and eSigns the contract.

Funded Icon

You receive confirmation from the lender that the transaction is complete and you can release the goods. Funding will follow.

TAKING APPLICATIONS

Our application is PAPERLESS! All you need is your unique Customer Application Link to get started. We included it in your Welcome Email at onboarding. Request it again if you’ve lost track of it.

REQUEST LINK

3 Ways to Deploy Your Customer Application Link

Embed it on Your Site

Example of banner and link on website

Your unique link can be easily embedded in a button, image, or menu item. Tech-savvy? Go for it! Not so much? It’s an easy add for your web developer. Find the official banner and other marketing assets in our marketing toolkit.

Looking for a true ecommerce integrated checkout?

GO TO MARKETING TOOLKIT

Share it Online

Email or text your link to customers or post it to your social channels. Keep it saved so it’s easy to find when you want to copy and paste it into social posts or emails.

Post it In-Store

TFC in-store collateral

In-store point-of-sale collateral customized with your QR code are available! Request fliers, table tents, etc below. DIY printable items available too.

REQUEST COLLATERAL

MERCHANT PORTAL LOGIN

Once customers begin submitting applications using your application link, the deals will be visible on your merchant dashboard within the Terrace Finance Merchant Portal. Log in to monitor the status of each of your applicants and complete transactions.

Login Steps

Click the Log In Button

TFC Login Button

The Login button is located in the top right corner of this website. This is the login location for both merchants and existing customers.

Sign In With Username & Password

username-password

Your username is the email address you provided us during registration.

Use the temporary password assigned in your Welcome Email for your initial sign-in, or click Forgot Password to set a new one now.

Get One-Time Password

check the box

Check the box next to “Email ID” and click Continue to receive a 6-digit code to complete your secure sign-in.

If an email with the code does not arrive within 1 minute from the sender “info@terracefinance.com”, check your junk folder.

Complete the Validation

enter code

Input the 6-digit code from the email and click Validate OTP to gain access to your merchant dashboard.

For your security, these steps must be repeated each time you log in.

MERCHANT DASHBOARD

Navigating the Dashboard

  • Information such as the customer’s address, phone, and email are accessed by clicking the application number next to their name.
  • A red exclamation point in the stipulation column indicates a missing piece of info is needed for the transaction to move forward. Click on it for details so you can prompt your customer.
  • To access the invoicing screen, click the upload symbol on the far right of the customer’s row in the invoice column.
  • For your security, reset your password to something unique. Click the “person” symbol in the upper right of your dashboard screen and follow the prompts.

SUBMITTING INVOICES

An invoice must be submitted through the system in order to complete a transaction and receive funding from a lender. When Customer Status is “APPROVED” you are ready to submit an invoice.

Invoicing Steps

Click the Upload Symbol

MERCHANT DASHBOARD

Within your dashboard, to the far right of each customer, is an upload icon. When you are ready to create the invoice for a customer, click the upload icon next to them.

Click the “+” Sign

Invoice step 2

Certain fields within the invoice will be auto-populated. You will need to fill in the rest. Click the “+” sign to enter the product information of the item(s). Keep clicking the “+” to add more items.

You can upload your own invoice from your computer, but it must contain the same required info such as brand, SKU, etc. To upload your own, click the “+” sign, then below it hit the blue “select file(s)” button to import.

Submit

Submit Invoice

In order to submit the final invoice, fields in red should be auto-populated by the system. Fields in green* should be completed by you.

If the lender has not issued an approval yet, the Approval Amount field will be blank. You can click Save and come back to the invoice when the customer receives their approval.

Click Save or Save & Submit (if available) when all fields are complete.

RELEASING MERCHANDISE

IMPORTANT

Once the customer has signed their contract and made any required down payment, Terrace Finance will notify you via email that the transaction is complete. DO NOT release the merchandise to the customer until you have our confirmation.

FREQUENTLY ASKED QUESTIONS

A: Yes! We offer merchant training sessions which you may take advantage of as many times as you need. Whether you are brand-new or just need a review, make an appointment here for a 1:1 with a specialist.

Just have a quick question? You can always contact our Customer Care Team at 888-509-1370 if you need immediate assistance.

A: Absolutely! In fact, educating your entire team will increase the success rate of the program, netting you more approved customers!

Request a group appointment for your team here. We can even accommodate special topic requests, conduct refresher training and more! Contact our Customer Care Team at 888-509-1370.

A: No worries, we’ve got you covered! You can request it here or contact our Customer Care Team at 888-509-1370.

Additionally, if it’s been a while since you onboarded, we now have shorter links that are more appropriate for sharing via social media and email. Get yours today!

A: Embedding the link is not difficult if you have access to and are accustomed to making edits in the back-end of your site. If not, your website developer can easily handle this task.

A few things to consider:

  • Do you already have a dedicated financing page with your other providers listed, or will that need to be created? This is a good place to place a banner embedded with your unique Customer Application Link.
  • Are there other locations on your site where you might like to add a button or logo? Your link can be embedded in a logo or a button similar to the other buttons on your site.

Our official banner, logo, and compliant language are available for download at https://demo.terracefinance.com/.

Give us a call at 888-509-1370 if you need more guidance.

A: Once your link is installed, go to your live site and click on it as a customer would. If you arrive at the Terrace Finance application as expected and the last 4 digits of the string of characters that appear in the address window match your store number, then the installation is a success.

If you have any questions or require assistance, call our Customer Care Team at 888-509-1370.

A: We provide a pdf flyer customized with your link at the time of onboarding. Simply print it out from the file on your own printer or forward it to your favorite copy shop for printing. If you need us to resend it, request it here.

A: Yes! You can request a version of the point-of-sale flyer with a space to insert your logo. Use a pdf editing program such as Acrobat to add your logo or use a stamp or sticker.
Click here to request it, or call our Customer Care Team at 888-509-1370.

A: You will need to log in to the portal to access your Merchant Dashboard. Once the customer has input their personal information, they will appear in your Merchant Dashboard.

You can monitor their status through your Merchant Dashboard. You will be able to see their progress throughout the application process and provide assistance in the event that they appear to be stuck.

A: Look for the small “person” icon in the upper right-hand corner of the screen. Click the icon and choose “change password” from the dropdown menu and follow the prompts.

A: Yes. If you serve commercial, as well as consumer customers be sure to let us know so that we can assign a commercial application link.

Please call the Customer Care Team at 888-509-1370, and we will set you up with the proper commercial application link and updated materials.

A: Commercial applicants are currently handled through a different process due primarily to the wide variety of programs that our commercial lender network offers. Our Commercial team works directly with your customer. They in-turn will notify you directly when it’s time to submit the invoice.

For commercial application assistance, call Francine Reading at 502-413-5444 or email at FrancineR@TerraceFinance.com.

A: The payment amount due at signing varies by lender and is handled by the lender directly.

Q: The exclamation point means there is a piece of required information missing (stipulation) from the customer before their approval can be finalized. You may “Click” the exclamation point to learn what information is missing.

We send a series of communications to the applicant via email and sms text to alert them of the missing information. However, we also encourage you to take the opportunity to alert them, as well.

A: Almost! Once the customer is approved two things still remain to be completed before you release the merchandise.

  1. You must complete an invoice and submit it within your merchant dashboard, and
  2. The customer must read and agree to the lender’s offer and terms and e-sign the documents. We will email you with confirmation.