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PaymentTrust User Guide

1. Tm zi et Explo ABl x Edt Favorites Tools Heb ae Qa x Search Favortes m LJ Address 1805 PaymentTrust Settlement e Transaction Terminal Settlement List Allows you to view all authorised transactions that are eligible for settlerns eu may then select the ones you wish to settle settlement list Settlement Search Allows you to seartinfe transactions that are eligible for settle en selectthe ones you wish to sel lick here ta perform settlernent search Settlement Deposit Search allows you to Settlement Deposit search for a specific Listdisplaysall transaction eligible for authorised transactions Report deposit eligible for deposit RBS 2006 CE T 4 Figure 5 8 Settlement Deposit Screen Trust 5 28 5 3 1 Settlement Search To search for a specific transaction you must use the Settlement Deposit Search tool see Figure 5 9 Using the drop down list in the Selection box select from the following search criteria to identify your transaction Order Number First Name Last Name Transaction Date Currency ID Currency ISO Code Card Name Card Type Card Number MOP Type Store ID Request Type Response Code BatchID Batch Time PTID BTID Year Month and Day These terms are defined in the Help section 5 Click the button for more details In the Value box specify a value in relation to the search criteria you select To p
2. Y Firewall Firewall E GENK T Customer Purchasing Online I gt gt gt H Customer 3 Purchasing E Online Internet Firewall PaymentTrust Authorizing Bank or Merchant Payment Gateway Payment Processor A Customer Purchasing Online rw L J Merchant Bank 1 It starts with an online purchase The client submits his purchase information to the Merchant s web site 2 The credit card is submitted for authorisation to the client s credit card bank Prior to approving a purchase a credit card authorisation number must be obtained from the bank that issued the client his credit card issuing bank A request for authorisation is sent securely to the Payment Processor via the PaymentTrust gateway system The Payment Processor then routes the request to the correct issuing bank An authorisation confirms the validity of the client s card and places holds on the funds for the amount of the purchase Trust 2 2 2 3 The authorisation results are returned to the Merchant The client s issuing bank either declines or authorises the purchase according to pre established credit card regulations If authorised the bank will transmit an authorisation code to the Merchant via the PaymentTrust gateway 4 The authorisation is completed and the order is fulfilled After having received the authorisation via the PaymentTrust gateway the Merchant can then proceed to
3. p PaymentTrust HOME CONTACTUS HELP B LOGOUT Q ADMIN Search Tools Forced Order Number Refund FER Authorisation ue Code 7000007 authcode must be obtained ie from the bank State Region and fill in with eun Other H Counter pon all other Zip Postal Code Address 2 required fields Phone Number 5 E Mail Store ld 9 Currency British Pounds Card Type Visa z Credit Card Number 4002120005402918 Expiration Date cC vv 10 Authorization Code RBS 2006 1 Done LEET E 5 29 Forced Refund Screen Refund requests are submitted to the bank processor once daily The status will remain pending until the bank processes and approves the refund request To view the refund still pending return to the Search Details screen see Figure 4 2 and re create steps in Section 4 2 1 The results should yield the following screen Figure 5 30 Trust 5 46 Z PaymentTrust Microsoft Internet Explorer File Edit Favorites Tools Search Tools e Transaction Terminal Authorise Forced Authorise Settlement nic Credit action BTS Confirmation Reports HOME CONTACT US HELP Forced Refund Merchantld 100625 TransactionType PT OrderNumber 2764943648 Strid 87041257 PTID 1
4. ECI CAU Secure ID Search Details screen Comments Request Pending a appears under the Response column PTID Order Request Batch ID Batch Card Amount Date Responge Number Type Time Type 100433840 3597737821 5 Visa Delta 1 00GBP 2007 01 11 Transaglign Approved 13 11 24 100433841 3597737821 D 100000049 Visa Delta 1 00GBP 2007 01 11 ransaction Approved 13 11 24 100433862 1792047696 R 100000049 Visa Delta 1 00GBP 2007 01 11 Request pending 14 08 04 RBS 20 gt ii Done FE Internet 9 5 27 Search Details Screen Trust 5 43 Once a refund request has been approved the pending status will automatically change to approved in the Search Details section under the Response column see Figure 5 28 Trust 5 44 Merchants must submit their refund requests by 8 00 in order for transactions to be refunded on the same day Any requests pending after 8 00 P M will be sent to the banking processor on the following day File Edit View Favorites Tools Help Back gt A A Reach xgFavortes meda A B 5 K3 HoME tj CONTACTUS 8 LOGOUT 2 HELP Search Tools Search Details e Transaction Terminal Store ID 1 Name Torn Gerry Phone Number 0 Address E Mail support trustmarque com Card Number 491677777321 Auth Code BEBEFE The status of a pending transaction will change to ap
5. Searches by the card issuer name Data entry format Card Name Visa 7 1 5 Request Type Searches for a specific request type Data entry format Choose from the following request types A Authorisation S Sale C Cancellation D Settlement R Refund P Payback A 7 1 6 Card Type Searches for a specific Card Type Data entry format VI for Visa MC for Master Card SW for Switch SO for Solo NT for Neteller VD for Visa Delta VI 7 1 7 First Name Searches by cardholder s first name Data entry format First Name John 7 1 8 Last Name Searches by cardholder s last name Data entry format Last Name Smith 7 1 9 Store Id Searches by the store ID Data entry format Merchant assigned Store Id 34417876 Trust 7 73 7 1 10 Currency ID Searches by the currency ID ISO standard numeric Ids See Appendix ii Currency Codes for complete list Example 840 For US Dollars Data entry format 7 1 11 Currency ISO Code Searches by the currency ISO code ISO standard alpha Ids See Appendix ii Currency Codes for complete list Example USD For US Dollars 7 1 12 MOP Method of Payment Type Searches by the method of payment CC Visa Mastercard debit amp credit cards DS UK Maestro debit cards CQ Cheques EC Data entry format Electronic cheques or credit DC Debit Card PIN enabled cards PC Purchasing cards NT NetTeller P2 Pay2 Example CC 7 1 13 Trans
6. SS El pone E EE I8 fp ene Figure 5 5 Authorise Screen Transaction Approved 5 1 2 Refused Transaction In the event of a refused transaction the system will display a transaction refused response screen The reason for the refusal will be noted on the response screen see Figure 5 6 Ele Edit View Favorites Tools ay Q O ig D yere O C 239355 083 Address z E ws PaymentTrust HOME CONTACTUS HELP LOGOUT Q ADMIN Search Tools Authorise e Transaction Terminal Merchantld 100625 TransactionType PT OrderNumber 123456789 Strid 87018494 PTID 100433699 MOP CC 826 MessageCode 2212 E In the event of a refused transaction the reason will be displayed on your screen BTS Contain along with a response code see Appendix I El pore IB p nene 4 Figure 5 6 Authorise Screen Transaction Refused Trust 5 26 5 2 Forced Authorise The Forced Authorise authcode is where you can submit an Authorise transaction with an authcode This authcode will have been previously obtained from your authorisation call centre of your bank In the event of a refused transaction with Message Code 2958 Call Bank Issuer wants voice contact with cardholder you can still process the transaction by obtaining the authcode Note that the figure 5 7 will not appear when you click on Forced Authorise By selecting Card Type
7. 2006 T 8 fg internet Figure 5 23 Refund Search Screen Selection Click on the arrow to the right of the Selection box and scroll down the list to select Order Number Condition In the Condition box select is equal to from the drop down list This permits you to narrow your search to match the information entered in the Value box Value Enter the order number for which you want all transactions displayed In this example we will use a hypothetical order number 9 89A93F In the Value box type 9189A93F 9 The order number must be entered correctly otherwise your search will not produce favourable results Your screen should now resemble Figure 5 23 above Please ensure that the information you entered is correct before clicking on the submit button The Refund Search returns transactions previously deposited and therefore eligible for refund as shown below in Figure 5 24 Trust 5 41 o x es Tools ae amp Q x 2 fn JO sexes Sie Favortes 5 E s Address AdE jus PaymentTrus Refund List e Transaction Terminal Transactions Found 1 Page 1 Store ID Order Number Name Card type Amount Date 1 3597737821 PaymentS VD 1 00 GBP 2007 01 11 13 11 24 lt lt lt lt 1 gt gt gt gt For additional information click on the Details button RBS 20 gt 2 4 Kio T T 18 Mp meet 5 24 Refund List Screen Click on Det
8. The Refund Search works the same way as the regular Search Tools see Section 4 Using Search Tools T igi x File Edit Favorites Tools Help 2r Omi O d A eremo OS a JAS Address bd Boa Links El PaymentTrust HOME CONTACTUS HELP 5 106007 9 ADMIN Search Tools Refund Search e Transaction Terminal Authorise Selection Condition Value Refine 0 Order Number is equal to H AND submit BTS Confirmation Reports RBS 2006 vile f tenet Figure 5 22 Refund Screen 5 7 1 Illustrative Example Refunds Search by Order Number The following example illustrates a Refund search for a specific order number To learn more about the Conditions available in the Refund search please refer to Chapter 4 Section 4 2 3 Description of Search Conditions For an illustrative example on generating a Refine search please refer to Chapter 6 Section 6 6 1 Using Multiple Search Criteria with Or Trust 5 40 PaymentTrust Microsoft Internet Explorer loj xl File Edit view Favorites Tools Help a Q 9 g 2 O 1 0 Address Ede PeymentTrust HOME CONTACTUS HELP LOGOUT 8 ADMIN Search Tools Refund Search e Transaction Terminal Selection Condition Value Refine Authorise Order Number is equalto 1 9 89 93 BTS Confirmation Reports RBS
9. x 2 Seach G 0 02 a Address z HOME CONTACTUS HELP 5 LOGOUT amp ADMIN Search Tools Search Tools e Transaction Terminal Reports PaymentTrust offers the merchant easy to use tools for conducting up to date online transaction searches The merchant can retrieve detailed information on specific transactions by selecting from a series of search criteria Click here for more information Selection Condition Value Refine First Name is greater than or equal to BO AND Transaction Date z fis equal to z 01 11 07 AND submit RBS 2006 pone B meret 2 Figure 4 6 Search by First Name concurrently with Transaction Date Screen Selection Click on the arrow to the right of the Selection box and scroll down the list to select Transaction Date Condition In the Condition box select is equal to from the drop down list This permits you to search for only those transactions that occurred on a specific date concurrently with all first names containing the letters BO Value Enter the date for which you want transaction information In this example we will use a hypothetical date January 11 2007 In the Value box enter 01 11 07 The date must be entered in the following format MM DD YY If the date is entered incorrectly an error message will appear on your screen or your search will not produce favourable results Your screen should now resemble F
10. Click on the Preview Report button and the following report will be displayed Trust 6 64 File Edit Favorites Tools Q O 3d OS Address HOME CONTACT US 2 LOGOUT Report List example Merchant ID 100000 Custom Report Wizard Amount Order PTID Request Response Response Store ID Number Type Code Message Request 18 00 123456 341884 B 2050 2500 123456 341885 B 2100 Trangacion Approved 17 00 157725601 341886 B 2100 WEE IS Approved 18 00 123456 341887 B 2100 Approved Request 1500 305131744 249 B 2050 QUEE 20 00 305124744 250 B 2050 pRequest pending 2500 305131744 251 B 2050 RENT pending 30 00 305134744 252 B 2050 pending Request 17 00 9905475806 253 B 2051 Pending with Errors Request 18 00 2871826574 254 B 2051 Pending with Errors Request 222 6428837185 323 B 2051 Pending with Errors 33 33 30513174 324 B 2050 Request pending Request 10 00 305131744 325 B 2050 HAT 15 00 305131744 326 B 2050 Reauest pending 20 00 305131744 327 B 2050 SUE pending 25 00 305131744 328 B 2050 pending Request 15 00 305131744 348 B 2050 HATE 20 00 305131744 349 B 2050 Retest pending 25 00 305131744 350 B 2050 RONAN pending 30 00 305131744 351 B 2050 Renuest pending lt lt 1 2 gt gt Confirm Confirm and Activate Modify Restart RBS 2006 j Done nemet 2 Now you have thr
11. O Z 4 LIBS Address PeymentTrust HOME CONTACTUS 2 LOGOUT Report List Custom Report Wizard Report List There are 2 reports in total Name Interval Last Execution Next Execution example Hourly 28 10 2004 00 00 00 Edit Deactivate Execute Now Delete test Daily 03 11 2004 11 49 17 04 11 2004 11 45 00 Edit Download Deactivate Execute Now Delete lt lt 4 gt gt RBS 2006 z 18 Internet 2 Now click on Execute Now button to run the report and the following screen will appear Office Reporting Service ms Sere Talat iBixi File Edit View Favorites Tools Help T Qa O x 2 2 2 wv Address PeymentTrust HOME CONTACTUS Z LOGOUT Report List x Custom Report Wizard Reporting Report generation is in progress A notification e mail if activated will be sent when report is available for download RBS 2006 z Bi ap tenet As shown on the screen you will receive a notification e mail will be sent when report is available for download Once you receive the email notification as shown below Trust 6 67 alexetest Message Plain Text File Edit View Insert Format Tools Actions Help Reply Reply to All Add to salesforce com From PaymentTrust Reporting Service Live support trustmarque ca Sent Wed 10 11 2004 23 15 To Alex Eden Cc Subject alexetest alexetes
12. Order Number Name Card type Amount Date Forced Sale 123456789 Payment Trust VD 1 00 GBP 2007 01 11 10 08 33 Cancel lt lt lt lt 1 gt gt gt gt Refund Settle To select transactions for To deposit a transaction Settlement deposit click on m or multiple transactions the corresponding check box click on the Settle You can select more than one button Figure 5 10 Settlement Deposit List Screen Results For more details on a specific transaction click on the Details button For example if you want more information on Order Number 136F6D5D click on the Details button to generate the following detail description on your screen see Figure 5 11 File Edit Favorites Tools Help a Ox x 2 t5 search See Z wl 1 3 mes z ws PaymentTrus Terminal Semement settle Authorise Name Payment Trust er 1 Forced Authorise Address House 2 dal deposit Settlement Green Street Card Number 77772918 Sunbury Auth Code E24E48 directly from the ECI Forced Sale United Kingdom Settlement Cancel Secure ID Details screen inno 2 select the d desired MEE _ Submit settlement BTS Confirmation deposit Reports PTID Order Number Request Type Batch ID Batch Time Card Type Amount Date Response 100433693 123456789 A Visa Delta 1 00GBP 200 01 11 10 08 33 Tr
13. PaymentTrust HOME CONTACTUS HELP S LOGOUT 8 Search Tools Merchant ID 100719 Search Tools e Transaction Terminal Reports PaymentTrust offers the merchant easy to use tools for conducting up to date online transaction searches The merchant can retrieve detailed information on specific transactions by selecting from a series of search criteria Click here for more information Selection Condition Value Refine Request Type 1 is equal to z AND submit RBS 2006 2 Figure 4 2 Search by Request Type Screen Please ensure that the information you entered is correct before clicking on the submit button Once the information is submitted the search will yield the following results see Figure 4 3 Zi Payment Trust Microsoft Internet Explorer Ele Edit View Favorites Tools Help a amp Q O A 5099 O 2 3 Address HRE Links PaymentTrus f HOME CONTACTUS HELP S LOGOUT 8 ADMIN Search Tools Search List e Transaction Terminal Reports Transactions Found 4 Page 1 Store sf Order 5 Response ld PTID Number Amount Date Code 125897753 070107235857 50 00 GBP 2007 01 07 22 59 12 2100 125897751 070107235857 50 00 GBP 2007 01 07 22 59 11 125799559 070107141924 50 00 GBP 2007 01 07 13 19 39 125799554 070107141924 50 00 GBP 2007 01 07 13 19 38 lt lt lt lt 1 gt gt gt gt RBS 20 Eiere T T T 18 f rene 2
14. ay Ox O x 2371 seach Yerevorts ME 1 Address Links gt PaymenttTrust HOME E23 CONTACT US HELP 2 LOGOUT ADMIN bet PayBack With Electronic Credit e Transaction Terminal Authorise PTID 10422978 The status of a Forced Authorse Tuc pending transaction Settlement Amount 1 00 sale RequestType P will change to Forced Sule MessageCode 2050 h Message Request penging approved once the Refund request is processed Forced Refund aA and approved by the PayBack Credit Card PacNet PayBack C BTS Transaction BTS Confirmation Reports RBS 2006 Ej bone fep internet 2 5 35 PayBack Electronic Credit Screen Trust 5 52 5 12 BIS Transaction The BTS enables PaymentTrust merchant clients to offer their customers an alternative method of funding their accounts through the use of a domestic funds transfer from their local checking or savings bank accounts to a local bank account operated on behalf of the merchant client PaymentTrust Microsoft Internet Explorer ioj xj t Q O x 01 erem L S LIB Adress HOME CONTACTUS HELP 2 LOGOUT 2 ADMIN Search Tools T BTS Order Number 12345678 e Transaction Terminal Transaction Currency meme 1 Suma Jae wet a PaymentTrust RBS 2006 Xl 1 neme 2 5 36 BTS Transaction Screen As shown in the figure 5 36 input the order nu
15. or other credit card problem PT 2212 Invalid credit card Credit card has expired or incorrect date entered PT EC expiration date Confirm date LY PH and BV 2214 Credit card expired Credit card has expired AX FS LY and PH 2216 Invalid amount Amount sent was 0 or unreadable PT 2218 Invalid method of payment Method of payment is invalid for this account PT number 2219 Credit card is not valid for The specific credit card will not accept payment BACS this transaction 2220 Invalid method of payment Method of payment is invalid for this merchant PT for merchant account number 2222 Invalid field data Invalid information entered LY and PH 2223 No Sort code or Account No Sort code or Account Number in Payback BACS Number in Payback system system 2224 Data is inaccurate or Specific and relevant data within transaction is PT missing inaccurate or missing 2226 Duplicated transaction Same transaction had been submitted FS PH and BV 2228 Invalid transaction Issuer does not allow this transaction PT 2229 Invalid transaction Processor permits only one deposit request per PT authorization 2230 Invalid merchant account Invalid merchant account number AX number 2232 Invalid issuer Invalid issuer or institution FS 2234 Invalid response code Invalid response code PH 2235 Invalid Currency Code Currency code submitted is different than code PH Entered submitted with original authorization request 2236 Invalid for credit Invalid for
16. 2 2 Report List nentTrust 6 68 E Back Office Reporting Services Microsoft Internet Explorer m ol xj Ele Edit view Favorites Tools Help ay Q Q ixl ig 0 verme D 24178 3 Address v EJ Go 18 PaeymentTrust CONTACTUS 2 LOGOUT Report List Custom Report Wizard Download There are 3 files available File Created Size Mb 1 06 110 il 04 11 2004 05 28 02 0 6841 1000006 2004 1104 0527 TMX zi 04 11 2004 05 27 48 0 6841 1 06 2004 1104 05 il 04 11 2004 05 25 57 0 6841 lt lt 1 gt gt RBS 2006 18 p internet 2 Figure 6 2 3 Download List Office Reporting Se oso erne plore i Dl xl File Edit View Favorites Tools Help ay Q O B E JO search 0 Favortes Ol 22 NC Ades 9 PaymentTrust HOME CONTACT US 2 LOGOUT Report List Custom Report Wizard Download There are 3 files available Cy 2 4000006 2004 Some files can harm your computer If the file information below 1000006 2004 gt looks suspicious or you do not fully trust the source do not open or ene save this file 1000006 2004 File name 0006 20041104 0528 1 TMX zip File type WinZip File From amp This type of file could harm your computer if it contains malicious code Would you like to open the file or save it to your computer Open Save Iv Always ask before opening
17. 7 1 3 CREDIT CARD NUMBER 7 72 7 14 CARD NAME 7 73 7 1 5 REQUEST TYPE 7 73 7 1 6 CARD TYPE 7 73 7 1 7 FIRST NAME 7 73 7 1 8 LAST NAME 7 73 7 1 9 STORE ID 7 73 7 1 10 CURRENCY ID 7 74 7 1 11 CURRENCY ISO CODE 7 74 7 1 12 METHOD OF PAYMENT TYPE 7 74 7 1 13 TRANSACTION TYPE 7 74 7 1 14 BTID 7 74 7 1 15 BATCH ID 7 75 7 1 16 BATCH TIME 7 75 7 1 17 7 75 7 1 18 RESPONSE CODE 7 75 7 1 19 YEAR 7 75 7 1 20 MONTH 7 75 7 2 7 3 10 1 7 1 21 DAY 7 76 HELP E TRANSACTION TERMINAL ccccosssccsscccsscsccscccesccccccscesscccsscscsssccesscscses 7 76 7 2 1 TRANSACTION TYPE CODES 7 76 HELP REPORT SEARCH TOOLS e eee eee eee eee e eoo o eee eese eeeeeseossseeeeeeeeeeeeeeeess 7 7 7 3 1 TRANSACTION AMOUNT 7 77 7 3 2 AUTHORISATION CODE 7 77 7 3 3 CREDIT CARD NUMBER 7 77 7 3 4 CURRENCY CODE 7 77 7 3 5 DAY 7 77 7 3 6 CREDIT CARD EXPIRY DATE 7 78 7 3 7 MONTH 7 78 7 3 8 ORDER NUMBER 7 78 7 3 9 RESPONSE MESSAGE 7 78 7 3 10 RESPONSE CODE 7 78 7 3 11 TRANSACTION ID 7 78 7 3 12 TRANSACTION TYPE 7 78 7 3 13 YEAR 7 79 Appendix I message response COodes seesesesseseseesesessosossosesoesesossosossesossesosossesossesossesessese 8 80 Appendix currency codes eeeeeeeeee eese esee esent ttn etos tn sensns stas ta senses sens tn senses sene 9 86 Appendix III how to contact US eruere eese eere eene eterne enata sns tn stats stas ta senses saeua 10 88 Glossary of payment processing te
18. Currency Card Type Credit Card Number Expiration Date CC Amount vss a a929500009994426 udo s 1 00 submit RBS 2006 Done ap internet 2 5 31 PayBack Credit Card Screen Fill in all the requested fields and click on the submit button The payback request has been accepted and the Merchant has received a 2050 request pending response see Figure 5 32 The transactions has gone off in the file to BACS and processed without any problem Trust 5 48 1 Edit View Favorites Tools a Qe O 01 me Com HOME CONTACTUS HELP LOGOUT ADMIN PayBack Credit Card e Transaction Terminal Authorise Merchantld 100 TransactionType PT OrderNumber 6747402821 Strid 87042901 PTID 100433891 MOP CC Currencyld 826 Amount 1 00 Authorise Refund RequestType Forced Refund MessageCode 2050 Message Request pending Final fund Credit Card Electronic Credit BTS Transaction BTS Confirmation Reports PaymentTrust The status of a pending transaction will change to approved once the request is processed and approved by the BACS RBS 2006 5 32 PayBack Credit Card Screen PeymentTrust Tf mee 5 49 5 10 Payback Cheque PaymentTrust in conjunction with its banking partner will process these payback requests promptly issuing chequ
19. Data entry format MM DD YY Example 08 25 00 Trust 4 7 4 1 3 Search by Credit Card Number A credit card number search will return all transactions on a specific credit card number Data entry format Client s credit card number no spaces Example 4000000000000002 4 1 4 Search by Request Type Searches for a specific type of transaction Data entry format Choose from the following transaction types A Authorisation S Simultaneous Authorisation and Settlement Deposit Cancellation D Settlement Deposit R Refund Example A 4 1 5 Search by Credit Card Type Trust Searches for a specific credit card type Data entry format VI for Visa MC for Master Card AX for American Express DI for Discover JC for JCB SW for Switch CB for Carte Blanche BE for Beneficial Example VI 4 8 4 1 6 Search by First Searches by the cardholder s first name Data entry format Example 4 1 7 Search by Last Name First Name John Searches by the cardholder s last name Data entry format Example 4 1 8 Search by MOP Type Searches by the method of payment Data entry format Example 4 1 9 Search by Store Id Searches by the Store ID Data entry format Example 4 1 10 Search by Response Code Last Name Smith CC Visa amp Mastercard debit amp credit cards DS UK Maestro debit cards CQ Cheques EC Electronic cheques or credit DC Debit Card PIN enabled c
20. Figure 4 3 Search List Screen PaumentTrust 4 13 The details button to the left of each row permits you to view additional information about a specific transaction For example if you want more information on Order Number 070107235857 double click on the Details button to the right of Order Number 070107235857 and the following details will appear on your screen A Ele gdt view Favorites Tools t Q O x 2 JO sexe Sg Favortes e6 2 2 J43 Address HOME CONTACTUS HELP 2 LOGOUT Q ADMIN Search Tools Search Details e Transaction Terminal Reports Store ID 4 Name Phone Number Address E Mail Card Number Auth Code ECI CAV Secure ID Comments i Submit PTID Order Request Batch ID Batch Time Card Amount Date Response Number Type Type 125897751 070107235857 5 Switch 50 00GBP 2007 01 07 Transaction 22 58 11 Approved 125897753 070107235857 D 100036750 2007 01 08 Switch 50 00GBP 2007 01 07 Transaction 14 43 56 22 59 12 Approved wi Ld Done CET T T8 eg internet 2 Figure 4 4 Search Details Screen ntTrust 4 14 4 2 2 Search for all transactions by First Name occurring on a specific date In this example you will learn how to search for all transactions by First Name occurring on a specific date For example if you want to search for all first names that contain the letters BO whose purchase amount was authorised on July 20 20
21. Franc German Mark Hong Kong Dollar Irish Punt Italian Lira Japanese Yen New Zealand Dollar Norwegian Krone Portuguese Escudo Spanish Peseta Swedish Krone Swiss Franc and U S Dollar 1 4 Processors supported PaymentTrust supports payment transactions from Merchants possessing a Merchant Identification Number issued from a range of international Acquiring Banks 1 5 Use our easy to use search tools Our search tools offer easy to use utilities for conducting real time online transaction searches The Merchant can retrieve detailed information on specific transactions by selecting from a series of search criteria Trust 1 1 1 6 PaymentTrust a simple solution How simple is the process It s as simple as 1 2 3 7 The client clicks the buy button 2 The Merchant s storefront establishes a connection to the PaymentTrust system 3 The PaymentTrust system then establishes a connection with the credit card processor and a credit card authorisation is completed in real time E Transactions are always logged in the database for easy retrieval P The entire process takes only a few seconds Trust 2 OVERVIEW OF THE PAYMENT PROCESS 2 1 Flow of an Internet transaction lli i Issiting 155 155
22. ICC A chip card that only contains track 2 information on it Draft Capture Refers to Deposit ECR See Electronic Cash Register EFT See Electronic Funds Transfer Electronic Cash Register The combination of a cash register and a POS terminal often PC based Trust 11 94 Electronic Funds Transfer The paperless act of transmitting money through a computer network External Sales Agent Amex term for ISO or MSP Floor Limit A preset limit established by an issuer that allowed merchants to accept credit card sales without authorization provided the merchant verifies the card number on a warning bulletin for lost or stolen cards Floor limits are now rarely used Fraudulent User An individual who is not the cardholder or designee and who uses a card to obtain goods or services without the cardholder s consent Fraudulent Transaction A transaction unauthorized by the cardholder of a bank card Such transactions are categorized as lost stolen not received issued on a fraudulent application counterfeit fraudulent processing of transactions account takeover or other fraudulent conditions as defined by the card company or the member company HTTP Protocol Hardware and or software that connects computer networks and allows them to communicate ICC Integrated Circuit Card See chip card Independent Sales Organization Visa term for a company that is sponsored by an acquiring bank to solicit and sometimes support me
23. Mail Reports Store Id 1 Currency British Pounds Card Type Credit Card Number 4002120005402918 Expiration Date CQ 07 yy 10 z 1 00 Search Tools Submit button Amount FXID ECI CAV Secure ID CVN AVS RBS 2006 d B Done T T T 8 teret 2 Figure 5 4 Authorise Screen Completed fields Please ensure that the fields are completed correctly before clicking on the submit button on the bottom of the screen 5 1 1 Authorised Transaction If an authorisation request is successful the system will display a transaction approved message A numeric response code assigned by PaymentTrust see Appendix I and an authorisation code assigned by the issuing bank will be indicated on the response screen see Figure 5 5 Trust 5 25 DIS TIVE E Bl xl Ele Edt View Favorites Tools f Qe x 2 seach Sle Favortes O2 27 LJ 3 Address E co Links PaymentTrust m co 2 LOGO Q SEPUR Authorise Tari reri Authorisation A Merchantld 100625 TransactionType PT code assigned by OrderNumber 123456789 Strid 87017770 e Card Issuer MOP CC Currencyld 826 Amount 1 00 AuthCode 24 48 RequestType A MessageCode 2100 Message Transaction Approved CVNMessageCode 2 CVNMessage No Data Matched Message code assigned by PaymentTrust RBS 2006
24. Present A merchant environment where the cardholder and the card are physically present at the time of purchase Card present transactions account for the majority of credit card transactions in the world Card Verification Value A unique verification value encoded on the magnetic strip of a card to validate card information during the authorization process The card verification value is calculated from the data encoded on the magnetic strip using a secure cryptographic process This method is used by Visa and Master Card CAV Cardholder Authentication Value used by PaymentTrust and Acquirer Base64 encoded data structure containing 3D Secure authetication results provided by the 3D Secure 1 usally Visa s CAVV or MasterCard s UCAF CAVV Visa s Cardholder Aunthentication Verification Value Base64 encoded data structure containing 3D Secure authentication results provided by the 3D Secure MPI CGI See Common Gateway Interface Chargeback The act of taking back funds that have been paid to a merchant for a disputed or improper credit card transaction The issuer can initiate this procedure 30 days after the deposit Chargeback Period The number of calendar days in which a card member may charge sales back to the merchant beginning with the day after the date the record is first received by the member or agent and continuing until the end of the day on which it is dispatched as a chargeback item Chargeback Reason Code A two dig
25. Report Wizard Data Click on titles marked in bold for help Fields Unselected Selected Amount Average Amount of amount Transaction Count 4 Account Name Address Address2 gt v Address3 Authorization Code Batch ID zi Filter Field Expr Value Operator Add Filter Period Covered Optional zi Group By Get Clear Grouping Options Note A limit of 15 fields maximum is applied per Group By and Order By section When Group By fields are used ensure to apply Order By fields to get expected results Order By Unselected Selected A E V Preview Report Save Now without Preview RBS 2006 18 2 Figure 6 1 6 Fields Fields or Parameters that will be included in the report file Examples PTTID Amount RequestType etc Filter Set the criteria here Filter may be applied to break down the data into smaller more specific chunks of information Field Data to be set for criteria Expr Click on the arrow to the right hand of the Expr box and select the condition Trust Value Enter the value of the field for which you want information For the example Response Code 2100 is selected In the Value box enter 2100 See table 1 1 for filter conditions Operator The Operator option allows to perform an And or Or for each filter condition Delete Allows to delete any unwanted filter Add
26. and PH 2370 Allowable PIN tries Allowable PIN tries exceeded PH and BV exceeded 2372 PIN required PIN required BV Trust 8 82 Description Explanation equines 2374 Card failed MOD 10 check Card failed MOD 10 check verification BV 2380 On negative file Account number appears on negative file LY PH and BV 2382 Stop Payment Issued Stop Payment Issued PN 2400 PTLF full PTLF full BV 2401 Fraud suspected Fraud suspected NA 2402 Unable to process Unable to process transaction NA transaction 2403 Duplicate transaction Duplicate transaction LY 2404 Cutoff in progress Cutoff in progress PN 2405 Incorrect PIN Incorrect PIN FS LY NT and BV 2406 PIN tries exceeded PIN tries exceeded FS and LY 2407 Exceeds withdrawal Exceeds withdrawal frequency FS and LY frequency 2410 Invalid 3D Secure Data Invalid 3D Secure Data BMS ST and LY 2610 Timeout error Timeout waiting for host response FS AX BV ST and LY 2611 Timeout error Internal timeout PT 2612 Authorization host system Authorization host system is temporarily unavailable ST PH and down or unavailable BV 2614 Acquirer Issuer unavailable Authorization host network could not reach the BMS ST Resend bank which issued the card or Acquirer LY EC AX and PH 2616 Invalid issuer Invalid issuer or institution LY and PH 2618 Unidentified error Unidentified er
27. batch ID Every transaction in the batch shares this ID If a transaction does not have a batch ID associated with it the transaction has not been deposited Batch Processing A type of data processing where related transactions are transmitted as a group for processing Batch Deposit An electronic bookkeeping procedure that sends all funds from captured transactions to the merchant s acquiring bank for deposit PaymentTrust automatically submits all captured transactions for deposit on a daily basis The time span in which funds reach the merchant account after deposit is 1 5 days but varies by acquiring bank BIN See Bank Identification Number Binary Executable A universal character coding system Bundled Rate A discount rate that includes communication costs as well as transaction fees Also referred to as a flat rate Cancellation Reversal of a partial or an entire authorization charge prior to the deposit process It prevents a transaction from being deposited A Cancellation does not remove any hold on the cardholder s open to buy Capture The process of capturing funds from an authorized transaction Card Issuer See Issuer Issuing Bank Trust 11 91 Card Not Present A merchant environment where the cardholder and the card are not physically present at the time of purchase The following are typical card not present transactions mail telephone order business to business and internet based transactions Card
28. credit PH 2237 Invalid refund not allowed Invalid refund not allowed CFT LY BC CFT ST FS 2238 Invalid for debit Invalid for debit PH 2240 Invalid SEC code Amex Amex CID is incorrect PH 2280 Incorrect start date Switch Solo Incorrect start date or requires an PH BMS issue number Please correct ST and LY 2282 Invalid issue number Switch Solo 1 digit number submitted when 2 digit PH BMS number should have been sent Please correct ST and LY Trust 8 81 Message Acquirer Code Description Explanation 2284 Invalid transaction Switch Solo a format issue re examine transaction PH BMS layout Please correct ST and LY 2286 Bank not supported by Bank not supported by Switch PH Switch 2300 Card does not exist No card record NA 2302 Invalid transit routing Invalid bank routing number PH number ABA code 2304 Missing name Missing the check writer s name PH 2306 Bank account closed Bank account has been closed PH 2308 Invalid account type Account type is invalid or missing Deposit PH transactions only 2310 Account does not exist Account does not exist PH 2312 No account Account number does not correspond to the PH individual 2314 Account holder deceased Account holder deceased No further debits will be PN accepted by the bank 2316 Beneficiary deceased Beneficiary deceased No further d
29. data encoded on a magnetic stripe Includes credit card account number cardholder name and expiry date This magnetic strip is read only and its contents are defined in ISO 7813 Track 2 Bank discretionary data encoded on a magnetic stripe Track 2 includes credit card account number and expiry date This magnetic strip is read only and its contents are defined in ISO 7813 Transaction The action between a cardholder and a merchant that results in activity on the cardholder s account Transaction Fee A per transaction charge in addition to the percentage discount fees incurred by merchants who are on scale pricing Transaction Date Trust 11 102 The date on which a transaction between a cardholder and a merchant an acquirer or a carrier OCCUIS Transaction ID A is a 16 character numeric string that PaymentTrust assigns to every transaction that it processes Transaction Type A specific financial detail transaction activity that can be submitted to the clearing system Travel and Entertainment Card Credit cards that typically require payment in full each month e g American Express Diner s Club and Carte Blanche UCAF MasterCard s Universal Cardholder Aunthentication Field Base64 encoded data structure containing 3D Secure authentication results provided by the 3D Secure 1 Undeposited Transactions PaymentTrust automatically deposits deposit transactions on a daily basis Please note that authorization
30. during the next settlement period Merchants who do not ship goods immediately should use this transaction type after fulfilling their sales obligation 2 2 3 Simultaneous Authorisation amp Settlement Deposit S Charges the specified amount against the cardholder s account and marks the transaction for immediate funds transfer during the next settlement period Trust 2 2 2 24 Reversal of a partial or an entire authorisation charge prior to the settlement process It prevents a transaction from being settled A cancel does not remove any hold on the cardholder s open to buy 2 2 5 Refund R A transaction that returns a specified amount to the cardholder s account 2 2 6 Payback P A transaction that returns any amount to the cardholder s account This can be processed by Cheque CQ Credit Card CC or Electronic Credit EC 2 2 7 Bank Transfer Service BTS B A transaction that transfers any amount to the cardholder s bank account 2 2 8 Foreign Exchange Service FX X A transaction that gives an exhange rate between two currencies 2 2 9 3DSecure Service 3D V This enable to enrolled 3DSecure with CardIssuer Trust 3 1 3 2 Glossary 3 HOW TO USE PAYMENTTRUST Please note 6 Warning Introduction We welcome you to this tour of the PaymentTrust system a world class online real time payment processing solution In this section we will provide you with a ste
31. eeeeeeeeeeeessees Overview of the payment process ceres eene eee ener e nente ernst natns ens ta sens eas tn stas tns tasas 2 1 FLOW OF AN INTERNET TRANSACTION ssssssssscccccccccccssssscsccccccccccsssssscccccceesesees 27 L TRANSACTION TYPES WITH THE PAYMENTTRUST SYSTEM e eee eeeeeeeeeees 2 2 N 2 2 1 AUTHORISE A 2 2 2 22 SETTLEMENT DEPOSIT D 2 2 22 3 SIMULTANEOUS AUTHORISATION amp SETTLEMENT DEPOSIT S 2 2 2 24 CANCEL 2 3 2 2 5 REFUND R 2 3 2 2 6 PAYBACK P 2 3 2 2 7 BANK TRANSFER SERVICE BTS B 2 3 2 2 8 FOREIGN EXCHANGE SERVICE FX X 2 3 2 2 9 3DSECURE SERVICE 3D V 2 3 How to use paymenttrust esee sees eese eee eene seen setas tesa tens esses sess tesa sess esses sena 3 4 INTRODUCTION RETIRER IE n m t PAYMENTTRUST SETUP 5 a eoo nonno o eo Ponens En oo seen eoo ge aa sore ao gods Deoa naso suo o dieu 3 2 1 THE MERCHANT LOGIN SCREEN 3 5 NAVIGATING THROUGH PAYMENTTRUST eee ee eee eese esee ee oss osse ee eeeeeesessssss 2 5 Using th iciqda 4 6 SEARCH CRITERIA DEFINITIONS esssssssssseeccccocssssseececocoosssseeecccossssssececeosssssseceeeees 4 7 4 1 1 SEARCH BY ORDER NUMBER 4 7 4 1 2 SEARCH BY TRANSACTION DATE 4 7 4 1 3 SEARCH BY CREDIT CARD NUMBER 4 8 4 1 4 SEARCH BY REQUEST TYPE 4 8 4 1 5 SEARCH BY CREDIT CARD TYPE 4 8 4 1 6 SEARCH BY FIRST NAME 4 9 4
32. fulfil the client s order 5 The settlement process begins A settlement is a process that converts data related to a purchase purchase amounts and authorisations into funds for the Merchant The Merchant must consolidate transactions for a specified period of time i e daily and transmit them to his bank via the PaymentTrust gateway 6 The Payment Processor settles with the Issuing Bank The Payment Processor transmits the transaction information to the corresponding Issuing Bank The Issuing Bank levies a fee against the transaction and transmits funds back to the Payment Processor 7 The funds are transmitted to the Merchant s bank The Merchant receives the funds owed to him for the transactions that were sent for settlement Transaction Types with the PaymentTrust System PaymentTrust supports various transaction types that are fundamental to the payment process These transactions can be executed either directly through the Merchant s storefront application or manually using the PaymentTrust e Transaction Terminal Merchants can perform the following types of transaction requests 2 2 1 Authorise A Reduces the cardholder s open to buy credit limit but does not actually capture the funds A deposit Settlement D transaction must be issued in order for the transaction to be settled and for the funds to be transferred 2 2 2 Settlement Deposit D It marks a previously authorised transaction for funds captured
33. how quickly a transaction is deposited the type of industry and other specific information RDFI See Receiving Depository Financial Institution Receipt A hard copy description of the transaction that occurred at the point of sale Minimum information contained on a receipt is date merchant name and location account number type of account used e g Visa MasterCard Amex etc amount reference number and or authorization code and action code Receiver A consumer customer employee or business who has authorized ACH payments by Direct Deposit or Direct Payment to be applied against a depository account Receiving Depository Financial Institution A financial institution that provides depository account services to customers employees and businesses and accepts electronic debits and credits to and from these accounts Recurring Transaction A transaction in which a cardholder has given a merchant permission to periodically charge the cardholder s account Trust 11 100 Refund A transaction that returns the specified amount to the cardholder s account Response Code A numeric code that indicates whether a transaction was approved or declined Response codes are used in the PaymentTrust system to indicate transaction responses to merchants Retrieval See Retrieval Request Retrieval Request A request to a merchant for documentation concerning a transaction usually initiated by a cardholder s dispute or suspicious s
34. in the Value box Value Enter the month for which you want all transactions displayed In this example we will use a hypothetical month July In the Value box type 07 The last name must be spelled correctly otherwise your search will not produce favourable results Your screen should now resemble Figure 5 17 above Please ensure that the information you entered is correct before clicking on the submit button Once the information is submitted the search will yield the following results see Figure 5 18 Trust 5 36 PaymentTrust Microsoft Internet Explorer File Edit view Favorites Tools Help amp cus 4 Q O a 010 vr O 5 Address 18 2 g LOGO 2 AD Cancel List e Transaction Terminal Transactions Found 2 Page 1 Store ID Order Number Name Card type Requesttype Amount Date 1 3597737821 PaymentS VD D 1 00 2007 01 11 13 11 24 Details 1 3597737821 PaymentS VD 5 1 00 2007 01 11 13 11 24 Details lt lt lt lt 1 gt gt gt gt RBS O20 ie 1 ep internet 4 5 18 Cancel List Screen To view additional information specific to the search results click on the Details button Transactions may be voided on an individual basis only Edt yew Favorites Tools Help ay Q O x 2 Z Se Favorites O2 8 J Address bd links PaymentTrus f HOME CONTACTUS HELP S LOGOUT 8 ADM
35. issues cards and acquires transactions unlike Visa and MasterCard which are bank associations American Express processes their own transactions through their network Amex See American Express Trust 11 89 The Application Programming Interface API is the interface by which an application program accesses the operating system and other services An API is defined at source code level and provides a level of abstraction between the application and the kernel to ensure the portability of the code Approval Any transaction that is approved by the cardholder or the check issuer s bank Approvals are requested via an authorization An approval is the opposite of a declined transaction Arbitration The procedure used to determine the responsibility for a chargeback related dispute between a merchant and buyer Asynchronous A method of transmitting data in which the data elements are identified with special start and stop characters An asynchronous modem cannot communicate with a synchronous modem Compare with Synchronous e g standard Hayes compatible modem ATM See Automated Teller Machine Auth Only A transaction in which the merchant does not intend to charge the cardholder until a later time if at all See Prior Authorized Sale Authorization An authorization is a request to charge a cardholder It reduces the cardholder s open to buy but does not actually capture the funds An authorization is the first transacti
36. to refund matches the amount displayed in the Amount to be refunded box File Edit Favorites Tools Help amp Qe 0 2 f 0 Favorites ZI 3 Address Ede tints PaymentTrust f HOME CONTACTUS HELP B LOGOUT 8 ADMIN Search Tools e Transaction Terminal Renan dietus Submitted refund Authorise Merchantld 100625 TransactionType PT requests will remain Settlement Mg pending until the PTID 100433862 request is processed ee and approved by the Refund RequestT k E ROT MessageCode 2050 bank processor Message Request pending BTS Transaction Forced Authorise BTS Confirmation Reports RBS 2006 18 internet 5 26 Refund Status Screen Request Pending Refund requests are submitted to the bank processor once daily The status will remain pending until the bank processes and approves the refund request To view the refund still pending return to the Search Details screen see Figure 4 2 and re create steps in Section 4 2 1 The results should yield the following screen Figure 5 27 250 E se OOS a L2 S 185 PaymentTrus f HOME CONTACTUS HELP S LOGOUT ADMIN Search Tools Search Details e Transaction Terminal Reports Name Payments Phone Number 0 You can view all cuwme m pending refund Auth Code B2599F transactions in the Address 1 Green Street
37. you select a currency type from wes2 the drop down list State Region LOGOUT Q ADMIN Search Tools Authorise redit Card heque Zip Postal Code Electronic Credit Phone Number BTS Confirmation Reports Card Type redit Card Number Expiration Date CC Amount FXID ECI CAV Secure ID RBS 2006 E Done CIT T BIE 2 Figure 5 2 Authorise Screen Additional Fields Credit Card Type Required Field Select from the drop down list the credit card type your client will be paying with The drop down list will only display those credit card types as configured specifically for your payment processing needs by your PaymentTrust representative see Figure 5 3 ntTrust 5 23 et Explore ET Edit View Favorites Tools Help gv Qe O 9 A Ds drm OC n LI Address z Links PaymentTrust B LOGOUT Q ADMIN CONTACTUS HELP E Authorise Order Number e Transaction Terminal mem First Name Credit card type drop down Forced Authorise Middle Name list Please refer to Chapter EE Last Name 1 Section 1 2 All major Forced Sale Address 1 credit cards supported Address 2 City Em State Region Credit Card Country ore M od Zip Postal Code PhoneNumber BTS Confirmation EMak Repone
38. 00433874 MOP CC Currencyld 826 Amount 1 00 Reque pak MessageCode 2050 Message Request pending Back to Forced Refund 2 LOGOUT 9 ADMIN PaymentTrust The status of a pending transaction will change to approved once the request is processed and approved by the hank nrocessor RBS 2006 5 30 Forced Refund Screen PaymentTrust 18 qp internet 5 47 5 9 Payback Credit Card Payback request sent to Payment Trust system from merchant servers via STLink using PaymentTrust APT Transaction requests can be sent individually or in a batch The Card Number is used to identify the UK Credit Card Issuers bank collection account and sort code details from the PaymentTrust Proprietary Database PaymentTrust sends the transaction onto the BACS network each day where this is processed by BACS within the normal clearing cycle 3 business days Simply fill in the required fields as shown below see Figure 5 31 15 5 5 Edt view Favorites Tools Search Favorites 2 39 Address Eco jue PaymentTrust HOME CONTACTUS HELP Q ADMIN Search Tools PayBack Credit Card n Order Number e Transaction Terminal First Name Middle Name These are required fields Last Name Address 1 Address 2 City State Region Country Othe ZipPosalCode SCS Phone Number E Mail Store Id z
39. 04 you would follow the steps below ET E Ele Edit Favorites Tools Help ay Q x E JO sexe sie Favorites gt 23 Address Eco Links gt 2 HOME CONTACTUS HELP LOGOUT 8 ADMIN Search Tools Search Tools e Transaction Terminal Reports PaymentTrust offers the merchant easy to use tools for conducting up to date online transaction searches The merchant can retrieve detailed information on specific transactions by selecting from a series of search criteria Click here for more information Selection Condition Value Refine i is greater than or equal to BO AND submit RBS 2006 i Done LEE B meme 4 Figure 4 5 Search by First Name Screen Selection Click on the arrow to the right of the Selection box and scroll down the list to select First Name Condition In the Condition box select is similar to from the drop down list This permits you to search for all first names containing the letters BO Value Enter the letters BO in the Value box The condition must be set to is similar to otherwise if set to is equal to the search will produce all BO first names Your screen should now resemble Figure 4 5 above Trust 4 15 To narrow the search to all transactions that occurred on January 11 2007 click on the Refine button and follow the steps below Paying plo inl x Edt Favorites Tools ay O
40. 1 7 SEARCH BY LAST NAME 4 9 4 1 8 SEARCH BY MOP TYPE 4 9 4 1 9 SEARCH BY STORE ID 4 9 4 1 10 SEARCH BY RESPONSE CODE 4 9 4 1 11 SEARCH By PTID 4 9 4 1 12 SEARCH BY CURRENCY ID 4 10 4 1 13 SEARCH BY CURRENCY ISO CODE 4 10 4 1 14 SEARCH BY BATCH ID 4 10 4 1 15 SEARCH BY BATCH TIME 4 10 4 1 16 SEARCH BY BTID 4 10 4 1 17 SEARCH BY YEAR 4 11 4 2 52 5 3 5 4 5 5 5 6 5 7 5 8 5 9 5 10 5 11 5 12 5 13 6 1 6 2 4 1 18 SEARCH BY MONTH 4 11 4 1 19 SEARCH BY DAY 4 11 ILLUSTRATIVE SEARCH EXAMPLES e e eee eee eee ee ee ooo eee esee eeeeeesess sees eeeeeeeeeees 4 12 4 2 1 SEARCH BY REQUEST TYPE 4 12 4 2 2 SEARCH FOR ALL TRANSACTIONS BY FIRST NAME OCCURRING ON A SPECIFIC DATE 4 15 4 2 3 DESCRIPTION OF SEARCH CONDITIONS 4 18 Using the e transaction terminal c eeeee esee ences eese restet tatnen senatus snas tn stas tns sna sa sea 5 20 AUTHORISATIONS 6 caer ea o reae eaa ana ca a aee coser Fuere eaa cos D720 5 1 1 AUTHORISED TRANSACTION 5 25 5 1 2 REFUSED TRANSACTION 5 26 FORCED AUTHORISE 5 500 ree eroe eee PE n a SEE ERAN FEN Ebo a ERE BAN E PRA ea Ce ege e eR EN Pere aee e iseis sis SETTLEMENTS DEPOSITS 5 3 1 SETTLEMENT SEARCH 5 29 5 3 2 SETTLEMENT DEPOSIT LIST 5 30 NBI UBI FORCED SALE eire aao Iona e aao a Ero dao rarae on Va los aeo Vaga Dn 5 6 1 ILLUSTRATIVE EXA
41. 43 RUB SAUDI ARABIA SAU SAUDI RIYAL 682 SAR SINGAPORE SGP SINGAPORE DOLLAR 702 SGD SOUTH AFRICA ZAF RAND 710 ZAR SPAIN ESP SPANISH PESETA 724 ESP SWEDEN SWE SWEDISH KRONA 752 SEK SWITZERLAND CHE SWISS FRANC 756 CHF TAIWAN TWD NEW TAIWAN DOLLAR 901 TWD THAILAND THA BAHT 764 THB Trust 9 86 Country ry Currency Code Code TURKEY TUR TURKISH LIRA 792 TRL TURKEY TUR NEW TURKISH LIRA 949 TRY UNITED ARAB EMIRATES UAE ARE UAE DIRHAM 784 AED UNITED KINGDOM GBR POUND STERLING 826 GBP UNITED STATES OF AMERICA USA US DOLLAR 840 USD UZBEKISTAN UZS UZBEKISTAN SUM 860 UZS VENEZUELA VEN BOLIVAR 862 VEB PaymentTrust 9 87 10 APPENDIX lll HOW TO CONTACT US Our product support specialists provide technical assistance to current customers or maintenance customers prospective customers who are evaluating our products and services Our support specialists handle questions on the use configuration and functionality of our products and services and are committed to providing timely responses to your enquiries Contact us at support paymenttrust com Supportline office hours Dialing from within the UK 0845 3007567 Dialing from outside the UK 44 0 1932 690237 Trust 10 88 11 GLOSSARY OF PAYMENT PROCESSING TERMINOLOGY ABA See American Bankers Association ABA Routing Number The American Bankers Association
42. 77 Visa Delta 1 00GBP 2007 01 11 Transaction cancelled 13 33 24 successfully Ls 5 21 Search Details Screen Trust 5 38 The following transactions can be cancelled Please note that you can only cancel a transaction which has a status 2050 Request Pending you cannot cancel a transaction once it has been settled with the financial institution i e 2100 Transaction Approved Trust Unsettled Authorisations Pending Sales Pending Forced Sales Pending Deposits Pending Refunds Pending Paybacks 5 39 5 7 Refunds If you want to refund see Section 2 2 for definition a specific amount to a client that was previously deposited you must perform a refund search see Figure 5 22 Using the drop down list in the Selection box select from the following search criteria to identify your transaction Order Number First Name Last Name Transaction Date Currency ID Currency ISO Code Card Name Card Type Card Number MOP Type Store ID Request Type Response Code BatchID Batch Time PTID BTID Year Month and Day These terms are defined in the Help section 8 Click the button for more details In the Value box specify a value in relation to the search criteria you select To perform a multiple criteria search click on the Refine button and choose amongst And and Or For additional information about the Refine option please see Chapter 6 Section 6 6 Generating a report using the Refine Option
43. A 840 GBP 826 JPY 392 Conversion Rate The conversion rate applied to the transaction amount in U S dollars Copy Request See Retrieval Request Credit Also known as a refund A credit is a transaction that transfers funds from the merchant s account back in to the customer s credit card This type of transaction is usually performed when a product is returned to the merchant A credit can be performed through the e Transaction Terminal area of PaymentTrust Payment Manager or through a merchant s storefront application Check refunds can only be issued via credit card or through a non electronic paper check A credit can only be issued to an account that has not had a previous authorization Credit Limit The limit of credit a cardholder is approved to borrow Credit card purchases are loans to the cardholder by the issuer Currency ID ISO standard numeric ids of the converted currency Example USA 840 GBP 826 JPY 392 See Card Verification Code CVV See Card Verification Value CVV2 See Card Verification Value DDA See Demand Deposit Account Debit Card An ATM bank card used to purchase goods and services and to obtain cash A debit card debits Trust 11 93 the cardholder s bank account and requires a Personal Identification Number PIN Debit cards branded with a bank card logo e g Visa can be accepted without a PIN for Internet transactions Decline A transaction in which the issu
44. ABA routing number is a unique bank identifying number that directs electronic ACH deposits to the proper bank The routing number precedes the account number printed at the bottom of a check and is usually printed with magnetic ink Account Number A unique sequence of numbers assigned to a cardholder s account which identifies the issuer and type of financial transaction card ACH See Automated Clearing House ACI See Authorization Characteristics Indicator Acquirer A bank or financial institution that acquires data relating to transactions from a merchant or card acceptor for processing The acquirer enters this data into interchange either directly or indirectly See Interchange Acquiring Bank A bank that receives credit card transactions and then deposits them with the issuing banks This is an acquirer Address Verification Service A service that verifies the cardholder s billing address in order to help combat fraud in card not present transactions e g mail order telephone order internet etc Used only in the United States Agent Bank A bank that participates in another bank s acquiring program usually by turning over its applicants for bank cards to the bank administering the acquiring program American Banker s Association The trade association of American bankers This body also has the responsibility of assigning the registration authority for identification numbers American Express An organization that
45. CQ 4 A Curenoy 40 pending transaction will change to TT Message Request pending approved once the request is processed and approved by the Pacnet BTS Confirmation Reports RBS 2006 a EE TT fb ee Z 5 34 PayBack With Cheque Screen ntTrust 5 51 5 11 Payback Electronic Credit PaymentTrust in conjunction with its banking partner will process these payback requests promptly transferring electronically to the bank appropriate currency with customer names and reference numbers that you provide As shown in figure 5 34 fill in all the fields and click on the submit button plore ziBixi File Edt view Favortes Tools Help ay Ox O x 357 seach pravos ME JOS adress 18 ws PaymentTrust HOME CONTACT US HELP LOGOUT ADMIN sa T PayBack i Order Number e Transaction Terminal Electronic Authorise Credit First Name Tom Forced Authorise Last Name ey Settlement These are required fields Payee Bank Number ow o Forced Sale Payee Account Number 123456789 Cancel Payment Reference Refund SR Phone Number ize Refund E Mail Credit Card Store Id 100 j Currency Singapore Dollars v BTS ctic Amount 1 00 BTS Confirmation submit Reports RBS 2006 fp 2 5 34 PayBack Electronic Credit Screen ini x Edt View Favorites Tools Heb
46. Currency followed by Store Id will show as in figure 5 7 Paymentrrust Microsoft Internet Explorer Ele Edit Favorites Tools Qa O x Ble Search Sie Favortes Dd Address PaymentTrust HOME CONTACTUS HELP 8 ADMIN Search Tools e Transaction Terminal AE s Order Number Authorisation Authorise aati Code which These are Middle Home is provided by required fields Last Name the Acquiring Address 1 sz Bank AII Address 2 other fields this screen is Country Other z same as ip Postal Code x Authorisation Phone Number LL E Mail Reports Store Id 1 Currency British Pounds X Secure ID submit RBS 2006 LT T7 18 fen Z Figure 5 7 Forced Authorise Screen This is service can be used directly without going through the Authorise procedure as mentioned in section 5 1 Make sure that you have the AuthCode is ready to input Trust 5 27 5 3 Settlements Deposits To collect your clients payments following a successful authorisation request you must perform a settlement deposit request for all authorised transactions You may either search for a specific transaction eligible for deposit via the Settlement Search tools or view a list of authorised transactions entitled for deposit by clicking on here in the Settlement Deposit List section see Figure 5 8
47. Data entry format 3 digit code assigned to processing currencies Example 840 for U S dollars 7 3 5 Day Searches for transactions by the corresponding numeric day value of any given month Data entry format 1 digit number corresponding to day of the week Example 1 for August 1 2 for August 2 5 31 for August 3 17 Trust 7 77 7 3 6 Credit Card Expiry Date Searches for all transactions with a specific credit card expiry date Data entry format MM YYYY Example 092000 7 3 7 Month Searches for transactions by month of the year Data entry format 2 digit number corresponding to month of the year Example 01 for January 02 for February 12 for December 7 3 8 Order Number Searches a specific order number that is associated with a series of transaction types all of them related to one original authorisation code This number is unique and assigned by the Merchant Data entry format Merchant assigned order number Example 00800120 7 3 9 Response Message Searches for all transactions having a specific response message returned by PaymentTrust Data entry format Text corresponding to message Example Transaction approved 7 3 10 Response Code Searches by a specific transaction result code Data entry format 4 digits see Appendix I Example 2100 7 3 11 Transaction ID Searches for a specific transaction identification number assigned by PaymentTrust Data entry format Numeric ID assigned by
48. Hours GroiLast 48 Hours ns Last 6 months Last Month Last Week Last Year Month to Date Today Year to Date Yesterday Order By Unselected Selected Preview Report Save Now without Preview RBS 2006 2 Figure 6 1 7 Custom Report Selection For the above example the following information are selected as shown in the figure 6 2 8 ntTrust 6 63 1815 File Edit Favorites Tools Q O ix 12 Do seach 0 Favorites B iwl LJ d 3 Address tins PaymentTrust f HOME CONTACTUS 2 LOGOUT Report List Custom Report Wizard Data Click on titles marked in bold for help Fields Unselected Average Amount Selected Amount Sum of amount Order Number Transaction Count lt PTID Account Name Request Type Address Response Code Address2 Response Message Address3 gt Store ID v Authorization Code Batch ID Batch Time zi Filter Field Expr Value Operator Response Code bd equal to Ed zoo z Delete Add Row Period Covered Period Covered Options zi Group By Get Clear Grouping Options Order By Unselected Selected Amount Store ID ASC Order Number 4 PTID Request Type Response Code ASC Preview Report Save Now without Preview RBS 2006 v fel DOT B internet 2 Figure 6 1 8 Example of custom report
49. IN Search Tools Cancellation Details Amount to be cancelled is displayed on the Card Number 2818 pe MG Cancellation Details Olher Es screen Transactions penne Io can only be cancelled on an individual basis To erum cancel an amount click k Cheque the submit button PayBack Electronic Credit Submit BTS Transaction e Transaction Terminal Authorise Name PaymentS Phone Number 0 Forced Authorise Address 1 Green Street E Mail Comments BTS Confirmation Reports PTID Order Number Request Batch ID Batch Card Amount Date Response Type Time Type 100433840 3597737821 5 Visa Delta 1 00GBP 2007 01 11 Transaction 13 11 24 Approved 100433841 3597737821 D 100000049 Visa De Request pending 2007 01 13 11 Afnount to be cancelled 1 00 submit ig fur 5 19 Cancellation Details Screen Amount to be cancelled B ap internet Trust 5 37 If the transaction information matches your Cancel requirements click on the Submit button to execute the cancellation request If the Cancellation request is approved the following screen will be displayed Fie Edt view Favontes Tools Help 29 d se do 1 5 Ede PaymentTrust HOME CONTACTUS HELP LOGOUT S h Tool e die ncellation Sta e Transaction Terminal Authorise erchantld 100 ADMIN Transac
50. INAR 48 BHD BELGIUM BEL BELGIAN FRANC 56 BEF BERMUDA BMU BERMUDIAN DOLLAR 60 BMD BRAZIL BRA BRAZILIAN REAL 986 BRL CANADA CAN CANADIAN DOLLAR 124 CAD COLOMBIA COL COLOMBIAN PESO 170 COP CYPRUS CYP CYPRUS POUND 196 CYP CZECH REPUBLIC CZE CZECH KORUNA 203 CZK DENMARK DNK DANISH KRONE 208 DKK EUROPEAN UNION EUR EURO 978 EUR FINLAND FIN MARKKA 246 FIM FRANCE FRA FRENCH FRANC 250 FRF FRENCH POLYNESIA PYF CFP FRANC 953 XPF GERMANY DEU DEUTSCHE MARK 280 DEM GREECE GRC DRACHMA 300 GRD HONG KONG HKG HONG KONG DOLLAR 344 HKD HUNGARY HUN FORINT 348 HUF ICELAND ISL ICELAND KRONA 352 ISK INDIA IND INDIAN RUPEE 356 INR INDONESIA IDN INDONESIAN RUPIAH 360 IDR IRELAND IRL IRISH POUND 372 IEP ISRAEL ISR SHEKEL 376 ILS ITALY ITA ITALIAN LIRA 380 ITL JAMAICA JAM JAMAICAN DOLLAR 388 JMD JAPAN JPN YEN 392 JPY JORDAN JOR JORDANIAN DOLLAR 400 JOD KOREA REPUBLIC OF KOR WON 410 KRW KUWAIT KWT KUWAITI DINAR 414 KWD LUXEMBOURG LUX LUXEMBOURG FRANC 442 LUF MALAYSIA MYS MALAYSIAN RINGGITT 458 MYR MALTA MLT MALTESE LIRA 470 MTL MEXICO MEX MEXICAN NUEVO PESO 484 MXN MOROCCO MAR MOROCCAN DIRHAM 504 MAD NETHERLANDS NLD NETHERLANDS GUILDER 528 NLG NEW ZEALAND NZL NEW ZEALAND DOLLAR 554 NZD NORWAY NOR NORWEGIAN KRONE 578 NOK OMAN OMN RIAL OMANI 512 OMR PANAMA PAN BALBOA 590 PAB PHILIPPINES PHL PHILIPPINE PESO 608 PHP POLAND POL NEW ZLOTY 985 PLN PORTUGAL PRT PORTUGUESE ESCUDO 620 PTE QATAR QAT QATARI RIAL 634 QAR RUSSIAN FEDERATION RUS RUSSIAN RUBLE 6
51. MM Example 07 Trust 7 75 7 2 7 1 21 Day Searches by the date Data entry format DD Example 07 Help e Transaction Terminal PaymentTrust Limited PaymentTrust system supports transaction types at various stages of the payment process You can authorise deposit credit sales to your Merchant accounts and retrieve report information in real time PaymentTrust can execute the following transaction types either online directly from the your storefront or manually using the PaymentTrust e Transaction Terminal 7 2 1 Transaction Type Codes Authorise A Reduces the cardholder s open to buy credit limit but does not actually capture the funds A deposit Settlement D transaction must be issued in order for the transaction to be settled and for the funds to be transferred Settlement Deposit D It marks a previously authorised transaction for funds capture during the next settlement period Merchants who do not ship goods immediately should use this transaction type after fulfilling their sales obligation Simultaneous Authorisation amp Settlement Deposit S Charges the specified amount against the account and marks the transaction for immediate funds transfer during the next settlement period Cancel C Reversal of a partial or an entire authorisation charge prior to the settlement process It prevents a transaction from being settled Refund R A transaction that returns a specified amount to
52. MPLE CANCEL SEARCH BY CLIENT S LAST NAME 5 36 REFUNDS Tm 5 7 1 ILLUSTRATIVE EXAMPLE REFUNDS SEARCH BY ORDER NUMBER 5 40 FORCED REFUNDS weesssessissescstseessncevesesessscoosasevevsccsdscooecsaseenssessesesccdsesvesecssescassesss D 46 PAYBACK CREDIT CARD ee eeeeeeeeeeeeo see eese eee ees osss eee ese eeeee sesso s eese seeeeeseeesss 9 48 PAYBACK CHEQUE e eee eese eese sooo o eese eee eessooos eese ee eeeeeesoos sees eeeeeeeeesesseessss 9 50 PAYBACK ELECTRONIC CREDIT e eeeeee eese e eee eee eee eeeeeoos s eese eeeeeeesesss sees 9 52 BTS TRANSAGCTION ee eost oscu eee aao o eee eee ee ee na ae e raa aree ee ee va ces ea veo pee dea aeree NFDS BTS CONFIRMATION icsscosctessssssessssesstessnnssessssessoccsensaessssessesceasbonssssessees asseessss D D4 USitig The 6 55 CUSTOM REPORT WIZARD cccsssssccsssssccccccsscccccccsccccccesccccccessccccssescscccsesscsceses 0 56 6 1 1 ILLUSTRATIVE EXAMPLE CUSTOM REPORT 6 56 REPORT LIST 3i5 3ssicccessesadscsscssssetsessssssesssontacesvsessecssecseastesesseesssetsaacvssssecs sessessss O OO 6 2 1 DISPLAY TYPES 6 70 6 2 2 DESCRIPTION OF SEARCH CONDITIONS 6 70 The T3 OI DUE 7 72 HEEP SEARGH 7 1 1 TRANSACTION DATE 7 72 7 1 2 ORDER NUMBER 7 72
53. PaymentTrust Limited Example 120000 7 3 12 Transaction Type Searches for a specific transaction type Trust 7 78 Data entry format Choose from the following transaction types A Authorisation S Simultaneous Authorisation and Deposit Settlement V Void C Cancellation D Deposit Settlement R Refund Example A 7 3 13 Year Searches for transactions by year Data entry format 4 digit number corresponding to year Example 2000 Trust 7 79 8 APPENDIX I MESSAGE RESPONSE CODES The following list reflects all currently defined PaymentTrust response codes One of the following codes is returned with each transaction that is submitted into the PaymentTrust system Many of these codes will never be returned in your output PaymentTrust Result Codes ST Streamline BMS Barclays LY Lloyds PH PaymentTech PT PaymentTrust EC EuroConnex PN Pacnet NT Neteller P2 2 FS Swedish Acquirer BV Bank of Valleta FX Foreign Exchange 3D 3DSecure Authentication NA Not applicable to any Acquirer P Description Explanation Acquirer 2000 No answer Received no answer from banking network Resend PH transaction 2001 Dropped the transaction No need to do this transaction NA 2040 Pending to be finalized Request submitted and waiting for processing to be ALL completed next cycle 2050 Request pending Request submitted and wait
54. Paymenttrust AM PaymentTrust User Guide Version 2 4 January 2007 Copyrights Copyright 2006 PaymentTrust Limited rights reserved Version 2 4 Issue Date January 2007 Prepared by PaymentTrust Ltd Trademarks Payment Trust logo is trademark or service marks of Payment Trust Limited All other marks listed in this document may be trademarks of their respective owners and are mentioned for identification purposes only This User Manual is protested by the copyright laws and treaties and may not be reproduced without permission from Payment Trust Limited You may not use this guide to reverse engineer the Payment Trust Limited PaymentTrust software 1 1 1 2 1 3 1 4 1 5 1 6 2 1 2 2 3 1 32 3 3 4 1 ontents What can paymenttrust do for your 1 OVERVIEW PO ALL MAJOR CREDIT CARDS SUPPORTED ee eee eere eere noo ossssssssssssssesseee L TRADE AND SETTLE YOUR TRANSACTIONS IN 22 CURRENCIES e ee eeeeeeeeeeees 17 PROCESSORS SUPPORTED 5 5 eie ar eee een ea oo a aao ke ee aee dana eda d USE OUR EASY TO USE SEARCH TOOLS e eee eee esee eoe eee eese eeeeeeoso ssec eeeeeeeeeeeesese PAYMENTTRUST A SIMPLE SOLUTION eee eeeeeeeeeo oo eee esee eeeeesosss sse
55. Row Allows to add more than one filter for a report Period Covered Time based filter these are preset filters to return data from a specific time Period Example Last Month will return data from the last month only Month to Date will return data from the beginning of the month until now The period covered can be used with filter to return specific data for a period of time Click on the drop down to select see figure 6 1 7 Group By Get Clear Allows to group the report with either all the fields or some of the fields selected in the Fields To get all the fields from the Fields click on the Get and to clear all the fields click on the Clear Order By Allows ordering the fields to be reported in that order Also you can set the report to be ordered in Ascending ASC or Descending DESC order by selecting from the drop down list See figure 6 1 7 Trust 6 62 gdt vew Favortes Tools Hep ay 1 A Ds rmm 1 0 JOB Address z Eco inks PaymenttTrust CONTACTUS 8 LOGOUT Report List Custom Report Wizard Data Click on titles marked in bold for help Fields Unselected Selected Amount Average Amount Sum of amount Transaction Count 4 A Account Name Address Address v Address3 Authorization Code Batch ID a Filter Field Expr Value Operator Add Filter Period Covered Optional Last Year E Last 24
56. Store Id h Search Tools Settlement MasterCard Visa Delta Visa Electron Visa Secure ID CVN AVS submit RBS 2006 M 1 Bg 2 Figure 5 3 Authorise Screen Additional fields Expiration Date Required Field Enter the expiration date shown on your client s credit card For your convenience drop down lists are provided for both the month and year of the expiration date Amount Required Field Enter the amount of your client s purchase Do not include a currency symbol to the front or at the end of the amount entered If the information is entered incorrectly an error message will be displayed on your screen Your completed screen should resemble Figure 5 4 below Trust 5 24 PaymentTrust Microsoft Internet Explorer _ 10 x Ele gdt Favorites Tools amp Gee O x D D O Z 2 143 ERE PaymentTrust HOME CONTACTUS HELP LOGOUT Q ADMIN Authorise Order Number 123456789 e Transaction Terminal Authorise First Name Payment These are Sais iors aquired fields Midde Settlement Last Name Trust Address 1 Benwell House Address 2 Green Street City Sunbury State Region NA Country United Kingdom E Zip Postal Code TWIB BTS Transaction Phone Number 01932 BTS Confirmation E
57. US 2 LOGOUT Report List Custom Report Wizard Schedule Start Date d Fields with are End Date f mandatory Start Time Hrs 00 gt mins Click on titles marked in bold for help Frequency Type Choose E Frequency Value Next RBS 2006 LT T BB internet Z Figure 6 1 3 Start Date Click on this button amp amp which will pop up the calendar You can now select the start date see figure 6 1 4 End Date Same as above Start Time Select the start time from drop down of Hrs and Mins Interval Type How often you want to run this report see figure 6 1 5 Interval Length Works in conjunctions with Interval Type If the type is Month and the length is 2 then the report will execute every 2 months If the Type is Hour and the length is 6 then the report will execute every 6 hours This is true for all types except Once which will execute only Once Trust 6 58 0 porting Service oft Inte la xl File Edit View Favorites Tools Help ay O 1x 2 75 seach Address 18 PaymentTrust Report List Custom Report Wizard lt lt lt Clear gt gt gt Date ERI 1 8 January 2007 8 Time Hrs 00 gt mins 00 gt Sun JWed Thu Fri Sat Type Choose one RBS 2006 gt B internet 2 Figure 6 1 4 Office Reporting Service osoft Inte plo
58. a MasterCard transaction Merit III is the highest discount followed by Merit Il Merit and then Standard MICR Number See Magnetic Ink Character Recognition MO TO Mail Order Telephone Order credit card transactions MPI Merchant Plugin 3 party software used by a merchant to authenticate 3D Secure transactions MSP See Member Service Provider Network See Processor Also used to refer to communication networks like AT amp T or CompuServe Non Qualified A broad term that describes a transaction that did not interchange at the best rate because it was entered manually was not deposited in a timely manner or the data set required for the best interchange was not provided Trust 11 97 See Originating Depository Financial Institution Open to buy The amount of credit available at a given time on a cardholder s account Operator A central clearing facility that provides distribution and deposit of ACH transactions ACH operators clear debits and credits electronically rather manually Currently four ACH Operators exist the Federal Reserve System which clears approximately 80 of all ACH transactions Visanet ACH New York ACH and American ACH Original Draft The original copy of the forms and signatures used in the transaction Also referred to as the hard copy Originating Depository Financial Institution A financial institution that initiates and warrants electronic payments through the ACH networ
59. a first name search entering J in the Value box with the Condition set to is similar to will produce all first names containing the letter J Table 4 0 Search Conditions Table Trust 4 19 5 USING THE E TRANSACTION TERMINAL In this section you will learn the basics of performing manual transaction requests using the e Transaction Terminal The e Transaction Terminal allows you to perform Authorisations Settlements Deposit Simultaneous Authorisations amp Settlements Deposits Cancellations Refund Forced Refund PayBack Credit Card PayBack Cheque PayBack Electronic Credit BTS Transaction and BTS Confirmation You can also perform online transaction searches and retrieve detailed information on specific transactions by selecting from a series of search criteria see Section 4 1 Search Criteria Definitions E ini xi File Edit Favorites Tools Help a y gt 3 4 Q Q 29 2 010 y 2 2 LI 3 Address 2 us HOME CONTACTUS HELP 9 LOGOUT Q ADMIN Too e Transaction Terminal e Transaction Terminal Authorise The PaymentTrust system supports transactions types at various stages of the payment Forted EE process Merchants can authorise deposit and credit sales to their merchant accounts and za retrieve report information in real time Settlement PaymentTrust can execute the following transaction types that can either be submitte
60. account number 3D number 4210 Invalid credit card number Invalid credit card number 3D 4212 Invalid credit card Invalid credit card expiration date 3D expiration date 4216 Invalid amount Invalid amount 3D 4224 Data is inaccurate or Specific and relevant data within transaction is 3D missing inaccurate or missing 4228 Invalid transaction Invalid transaction 3D 4240 Cardholder enrolment failed Enrolment process failed 3D 4242 Cardholder authentication Authentication process failed 3D failed 4614 MPI not available MPI not available 3D 4616 Directory server not Directory server not available 3D available 4618 Internal MPI error Internal MPI error 3D 4626 Invalid Secureld Invalid Secureld 3D Trust 8 85 9 APPENDIX Il CURRENCY CODES The ability to accept new currencies will enable you to attract a larger customer base Processing in multiple currencies eliminates your customers foreign exchange risks and issues which typically stem from local charges to foreign credit cards PaymentTrust currently processes Visa Master Card and American Express transactions in the following currencies Count Country Name ry Currency Name Currency Code Code AUSTRALIA AUS AUSTRALIAN DOLLAR 36 AUD AUSTRIA AUT SCHILLING 40 ATS BAHRAIN BHR BAHRAINI D
61. action Type Searches for a specific transaction type Data entry format Choose from the following transaction types A Authorisation S Simultaneous Authorisation and Deposit Settlement V Void C Cancellation D Deposit Settlement R Refund Example A 7 1 14 BTID Searches by the BTID which is generated by PaymentTrust Data entry format BTID is a unique number generated by PT It s stored by the merchant and given to the client together with bank account details to pay into When the funds have cleared the account and reported in PT and BTID is matched in the system to proved the transaction is authentic Trust 7 74 Example 12345678 7 1 15 Batch ID Searches by the unique number BatchID Batchid is a unique number that is generated for Data entry format each batch that is sent to financial institutions any bank either natwest Barclays bacs pacnet etc Example 08 01 04 7 1 16 Batch Time Searches by the date Data entry format MM DD YY Example 08 01 04 7 1 17 PTID Searches by the reference number called PTID Reference Number from PaymentTrust system generated for each transaction Example 12345678 Data entry format 7 1 18 Response Code Searches by a specific transaction result code Data entry format 4 digits see Appendix I Example 2100 7 1 19 Year Searches by the year Data entry format YYYY Example 2004 7 1 20 Month Searches by a month Data entry format
62. ails to view additional information on a specific transaction targeted for refund see Figure 5 25 Edt view Favortes Toos a Om O xd 010 erem E Address Be unis gt PaymentTrus HOME CONTACTUS HELP 9 LOGOUT Q ADMIN Search Tools Refund Details e Transaction Terminal Amounts to be refunded Authorise Name PaymentS Phone Number 0 Address 1 Green Street E Mail are displayed on the Card Number 2918 Auth code 82 Refunds Details screen ECI Authorise Other ed cav To submit an amount for Secure ID refund click on the submit mm Comments hutton redit Card k Cheque lectronic Credit Submit BTS Confirmation Reports PTID Order Request Batch ID Batch Card Amount D te Response Number Type Time Type 100433840 3597737821 S Visa Delta 1 00GgfP 2007 01 11 Transaction Approved 13 11 24 100433841 3597737821 D 100000049 Visa D PGBP 2007 01 11 Transaction Approved Afnount to be refunded 1 00 submit ET Done 5 25 Refund Details Screen The Refund Details screen displays the amounts available to be refunded Select the amount you want to refund and click on the submit button amp The maximum refundable amount is limited to the total deposited amount Refunds are not permitted for deposit amounts still pending Trust 5 42 Please ensure that the amount you want
63. ain 101 cannot be modified User Name Password Your password can The user name can include a i uw combination of both digits include a combination of and letters and must not both digits and letters exceed 50 characters T and must not exceed 50 TTE 3 characters 3 3 Navigating through PaymentTrust After logging on to the site you will automatically be directed to the Home Page screen as shown below Trust 3 5 ayme oso ernet Explore 0 xl File Edit View Favorites Tools Help ay Qu 2 5 JO sexes Sip Fevortes raa w J 3 Address z Ee Links PaymentTrust i HOME CONTACTUS HELP B LOGOUT ADMIN Menu Bar Search Tools Home XXXXXX e Transaction Terminal Reports Pay NEENA SRAN ATS A SAEIA SCAN AAAS BENEA A online businesses Pay nentTrustTM enables Internet businesses to authorise process and manage credit card debit card transactions in real time PaymentTrust offers nerchants easy to use tools to effectively manage their online paynjent activities Merchants can benefit from global business opportunities through the ability to trqde in 59 countries and settle payments in 25 different currencies Once the customer clicks on the buy button the merchant s storefront establishes a confection Reports to the PaymentTrust system PaymentT
64. ale return A retrieval request can lead to a chargeback Return Code Any of the codes returned by PaymentTrust when a transaction is processed Secure Sockets Layer An encryption system that allows merchants to securely process electronic transactions Deposit The process by which transactions with authorization codes are sent to the processor for payment to the merchant Deposit is a sort of electronic bookkeeping procedure that causes all funds from captured transactions to be routed to the merchant s acquiring bank for deposit PaymentTrust automatically submits all captured transactions for deposit on a daily basis The time that it takes for these funds to reach the merchant account after deposit is 1 5 days but varies according to the merchant s agreement with their respective card processing company Also referred to as Deposit SIC Code Refers to Standard Industry Classification These codes are 4 digit numbers used to identify a business type Simultaneous Authorization And Deposit Charges the specified amount against the account and marks the transaction for immediate funds transfer during the next deposit period Smart Card A credit or debit card embodying a computer chip with memory and interactive capabilities used for identification and to store additional data about the cardholder cardholder s account or both Also called an integrated circuit card or a chip card SSL See Secure Sockets Layer Standard The
65. ansaction Appro amount and Amount to be Settled 1 00 then click on the Submit button RBS 20 Ls 3 3 i Dore T p rene 4 Figure 5 11 Settlement Details Screen Amount to be deposited Trust 5 30 You can settle deposit one or multiple transactions directly from the Settlement List screen see Figure 5 8 by clicking on the Settle button or deposit settle a single transaction directly from the Settlement Details screen see Figure 5 9 by clicking on the Submit button The following message will appear on your screen for all valid entries see Figure 5 12 PaymentTrust Microsoft Internet Explorer 101 x Ele Edit Favorites Tool 7 seah ferwe Z JAB 18 HOME CONTACTUS HELP 2 LOGOUT Q ADMIN Search Tools Settlement Status e Transaction Terminal Merchantld 100625 TransactionType PT OrderNumber 4205990497 Stild 87021613 Submitted settlement deposit requests will remain pending until PTID 100433767 MOP CC Currencyld 826 D the request is equi MessageCode 2050 Message Request pending processed and approved by the bank BTS Confirmation Reports RBS 2006 Figure 5 12 Settlement Status Screen Settlement deposit requests are submitted to the bank processor once daily The status will remain pending until the bank processes and approves the settlement mm reques
66. ards PC Purchacing cards NT Net Teller P2 Pay 2 CC Merchant assigned Store Id 34417876 Searches by the response code assigned by PaymentTrust Data entry format Example 4 1 11 Search by PTID Four digit numeric is provided for each transaction by TM See Appendix i Response Codes for complete list 2100 Searches by the reference number PTID Data entry format Trust Reference Number from PaymenTrust system generated for 4 9 Example 4 1 12 Search by Currency ID Searches by the currency ID Data entry format Example each transaction 10003606 ISO standard numeric ids See Appendix ii Currency Codes for complete list 840 For US Dollars 4 1 13 Search by Currency ISO Code Searches by the currency ISO code Data entry format Example 4 1 14 Search by Batch ID ISO standard aplha ids See Appendix ii Currency Codes for complete list USD For US Dollars Searches by the unique number BatchID Data entry format Example 4 1 15 Search by Batch Time Searches by the batch date Data entry format Example 4 1 16 Search by BTID Batchid is a unique number that is generated for each batch that is sent to financial institutions any bank either natwest barclays bacs pacnet etc etc 100009186 MM DD YY 07 27 04 Searches by the BTID which is generated by PaymentTrust Data entry format Trust BTID is a unique number generated by PT It s sto
67. ayBack Credit Card PayBack Cheque PayBack Electronic Credit BTS Transaction BTS Confirmation Reports RBS 2006 lal EET T8 p 2 Figure 5 38 BTS Confirmation Screen To view list of BTS Confirmation click on the as shown in the fig 5 39 Ele Edit View Favorites Tools Help a zw a Q O ig 0 seh 1 52 23 Address Links gt HOME CONTACT US HELP LOGOUT ADMIN Search Tool ate BTS Confirmation List e Transaction Terminal Authorise Transactions Found 6 Forced Authorise Page 1 Settlement Bank Order Customer Response Sale Select BTID Reference N 5 Amount Date umber Name Forced Sale 1D Cancel bank 7600759516 Milton 500 00 SGD 2051 20 04 2004 Details R transfe Victor efund ERU r bank 7103287077 Milton 40000590 2051 20 04 2004 Details transfe Smith Finalize Refund mi bank 9140197902 Milton 300 00 SGD 2051 20 04 2004 Details transfe cook eee m 9037758320 9037758320 1 John 600 00 HKD 2050 20 04 2004 Details PayBack Electronic Credit Miller BTS Transaction reference5 5720784130 John 500 00 HKD 2051 20 04 2004 Details BTS Confirmation Cooker uS m 9035518616 9035518616 898877937 John 400 00 HKD 2050 20 04 2004 Details Cooker lt lt lt lt 1 gt gt gt gt Confirm RBS 2006 la EE fap trtemet 2 5 39 BTS Confirmation List Screen Tick each of the transaction that needs to be
68. aymentTrust e Transaction Terminal The entire transaction is completed within seconds RBS 2006 18 Internet Click on Reports and following screen will popup Jack Office Reporting Services Microsoft Internet Explorer ioj xj Ele Edit Favorites Tools Q 0 Aa 2 JO Search Je Favontes O S 25 jw Imre 3 Report List Custom Report Wizard Address ue PaymenttTrust f HOME CONTACTUS 2 LOGOUT Back Office Reporting Services With Back Office Reporting Services custom reports can be created and scheduled to execute on specified limes Custom reports are created through the custom report wizard The wizard allows you to set e mail notification choose an export format set the report shcedule select fields from a predefined list group your data set the filter criteria order your data Once you have created a scheduled report the Back Office Reporting Services engine will generate your report based on your settings and inform you by e mail when the reportis ready RBS 2006 J Done Figure 6 0 Back Office Reporting Services ntTrust E ECT B internet 2 6 55 6 1 Custom Report Wizard Custom reports are created through the custom report wizard The wizard allows you to set e mail notification choose an export format set the report schedule select fields from a predefined list group your data and set the filter criteria
69. column see Figure 5 12 7 Merchants must submit their settlement requests by 8 00 P M in order for transactions to be deposited on the same day Any requests pending after 8 00 P M will be sent to the banking processor on the following day De Edt Yew Favorkes Tools Help a Q O A 1 2 7 3 Adress 185 PaymentTrus HOME CONTACTUS HELP LOGOUT 2 ADMIN Search Tools quae Scarch Details The status of a Reports Store ID 1 y Name Payment Trust Phone Number 01932 pending transaction ress Benwell House E Mail Sieen Me Card Number 2918 will change to Auth Code B24E48 NA i approved once the IT Meee Secure 10 request is processed Comments bank processor Submit PTID Order Number Request Batch ID Batch Card Amount Date Respor se Time Type 100433693 123456789 A Visa Delta 1 00GBP 2007 01 11 Traneed 10 08 33 Approved 100433767 4205990497 D 100000049 Visa Delta 1 00GBP 2007 01 11 11 05 54 Approved RBS 20 Y Done CET internet 4 Figure 5 12 Search Details Screen The system will not perform a settlement deposit transaction for an amount greater than the authorised amount An authorised amount that has been partially cancelled will reduce the maximum amount eligible for settlement deposit A refund request cannot be performed unle
70. d online directly from the merchant s storefront or submitted manually using the PaymentTrust e Transaction Terminal Click here for information Refund Forced Refund Refund Credit Card ctronic Credit BTS Transaction BTS Confirmation Reports RBS 2006 Pf LL B ep internet 4 5 1 Authorisations The authorise transaction see Section 2 2 for definition is the first transaction executed as part of the online sales cycle Using the e Transaction Terminal you can perform a manual authorisation by filling in appropriate transaction information in the fields provided see Figure 5 0 Descriptions of the fields in the Authorise screen are listed below Figure 5 0 Trust 5 20 PaymentTrust Microsoft Internet Explorer Ele Edit View Favorites Help Qw x 4 Ally Search 5 Favorites m w LJ M X L n ins PaymentTrust HOME CONTACTUS HELP 9 LOGOUT amp ADMIN Search Tools Authorise Order Number e Transaction Terminal Authorise First Name Burs required fields Middle Name Last Name Address 1 Address 2 City State Region Country Chooseone ZipPosalCode SS Phone Number E Mail Store Id Choose one v submit RBS 2006 2 Figure 5 0 Authorise Screen Information Input Screen Order Number Optional Field Enter an order number The order numb
71. e you must be registered with PaymentTrust Limited Please refer to our web site for the nearest location at www PaymentTrust com Upon registration you will receive a To register with PaymentTrust assigned Merchant ID user name and temporary PaymentTrust contact us password at www paymenttrust com amp You can change your password at any time via the Admin Login button To enter the PaymentTrust web site enter the URL specified by your PaymentTrust Limited representative and follow the instructions as shown below in Figure 1 0 Trust 3 4 E Edit murum Tools Es i Qa x Bras Search Favortes 3 Address 18 ws Merchant ID Merchant Login Ser Name Your ID cannot exceed 6 digits This number is Merchant D Uso _ Submit Name and Password issued by a PaymentTrust Limited representative and 3 2 1 The Merchant Login Screen This 18 the first screen you will encounter before entering the PaymentTrust site Enter your PaymentTrust Limited assigned Merchant ID User Name and Password in the appropriate boxes Follow the arrows in Figure 3 0 below to the box you require more information about Should your workstation remain idle beyond 15 minutes or should you enter the incorrect information the following message will appear You have been idle for more than 15 min or you have entered incorrect login information Please try ag
72. ebits will be NA accepted by the bank 2318 Account frozen The funds in this account are unavailable No further NA debits will be accepted by the bank 2320 Customer opt out Customer has refused to allow the transaction NA 2322 ACH non participant Banking institute does not accept ACH transactions PH For US ECP 2324 Invalid account number Account number is incorrect FS LY NT P2 and PH 2326 Authorization revoked by Customer has notified their bank not to accept these PH customer transactions 2328 Customer advises not Customer has not authorized bank to accept these PH authorized transactions 2330 Invalid CECP action code Pertains to Canadian ECP only PH 2332 Invalid account number Format of account number does not pass check PH format digit routine for that institution For CDN ECP 2334 Bad account number data Invalid characters in account number PH 2350 Card surpassed daily limit Card has surpassed daily transaction amount limit PH 2352 Times card used limit The limit of number of times used for the card has PH been surpassed 2354 Over credit limit Card has surpassed its credit limit LY and PH 2356 Enter lesser amount Enter a lesser amount NA 2358 No credit amount No credit amount NA 2360 One purchase limit Card is limited to one purchase PH 2362 Over Sav limit Over Sav limit BV 2364 Over Sav frequency Over Sav frequency PH 2366 Card not supported Card not supported LY 2368 Invalid PIN Invalid PIN EC FS
73. ed Transaction cancelled successfully FX successfully 3171 Transaction refunded Transaction refunded FX 3200 Rate expired Rate requested has expired and no new rate is FX available 3203 Cancellation cannot be The deposit refund transaction being cancelled FX performed cannot be because it has already been submitted 3204 Cancellation not enabled Cancellation disabled in merchant set up FX 3206 Invalid currency Invalid currency of record FX 3207 Exchange currency not Exchange currency not setup in merchant account FX supported 3208 Currencyld matches Conversion to same currency redundant FX ConvertedCurrencyld 3209 Currency pair not supported Cannot convert to requested currency FX 3210 Currencyld does not match Currency submitted does not match the original FX FX request rate request 3216 Invalid amount Invalid amount FX 3217 Invalid FXID Invalid FXID FX Trust 8 84 E d Description Explanation Acque 3218 Issuer is not available Unexpected error FX Please try again 3219 Credit card is not valid for Credit card is not valid for this transaction FX this transaction 3220 Currency Not Supported Currency of card not supported FX 3224 Data is inaccurate or One or more required parameters are not present FX missing 3226 Duplicated transaction Duplicated transaction FX 3228 Invalid transaction Generic er
74. ed for batch Not supported for batch PT 2712 Mandatory field is invalid or Mandatory field is invalid or missing PT missing 2714 Total line items do not add Total line items do not add up PT up 2716 Line items missing Line items missing NA 2718 Commodity code is invalid Commodity code is invalid or missing AX or missing 2720 Cross border information is Cross border information is invalid or missing PT invalid or missing 2722 Invalid purchase card Not a purchase card PT number 2802 Invalid ICC parameter One of the ICC parameters submitted was invalid PT 2952 Pick up card Card issuer wants card returned Call issuer EC LY PH and BV 2954 Card stolen Card reported as lost stolen FS LY PH and BV 2956 Do not honor Generic decline No other information is being FS LY and provided by the issuer PH 2958 Call Bank Issuer wants voice contact with cardholder AX ST BMS EC FS LY BV and PH 2960 Insufficient funds Insufficient funds FS LY NT P2 and PH 2962 CVV2 failure Issuer has declined request because CVV2 edit LY and PH failed 2964 Delinquent account Delinquent account BV 2990 Cancellation Cancellation is going to reverse the authorization NA 3050 Transaction pending Transaction pending FX 3051 Transaction pending with A new rate is assigned for the transaction FX rate escalated 3100 Transaction approved FX transaction approved FX 3111 Rate escalated Transaction rate escalated FX 3170 Transaction cancell
75. ee options which are as follows Confirm By clicking on this button you are confirming the report is correct Confirm and Activate Allows confirming the report and activating at the same time Modify to modify the report Restart Allows to restart the report from the beginning Confirm For the example click on the button Trust 6 65 6 2 Report List You will be moved into Report List automatically where you can see the list all reports are created by different users More importantly you can activate the report at any time by clicking the Activate button as shown in figure 6 2 1 Back Office a serve osoft g 1 5 x Ele Edit View Favorites Tools Help 47 Qa O x Bel Search Favorites ec jw Address HOME CONTACTUS 2 LOGOUT Report List z Custom Report Wizard Report List There are 2 reports in total Name Interval Last Execution Next Execution example Hourly 28 10 2004 00 00 00 Edit Activate Delete test Daily 03 11 2004 11 49 17 04 11 2004 11 45 00 Edit Download Deactivate Execute Now Delete lt lt 1 gt gt RBS 2006 18 f mene 2 Figure 6 2 1 Report List Now click on the Activate button to activate the report and the following screen will appear Trust ack Office Reporting Service m LXVI RE ziii File Edit View Favorites Tools Help T Q O 9
76. er can include both digits and letters and must not exceed 16 characters First Name Optional Field Enter your client s first name Middle Name Optional Enter your client s middle name if applicable Last Name Optional Field Enter your client s last name Address 1 Optional Field Enter the street number and name where your client resides Address 2 Optional This field is provided for additional information such as apartment number City Optional Field Enter the name of the city where your client resides State Region Optional Field Enter the two characters for the State Region where your client resides Should this field not apply to you enter V A Country Optional Field Select from the drop down list the country where your client resides Should your country not appear in the list select Other Zip Postal Code Optional Field Enter the client s Zip Postal Code No spaces are required Phone Number Optional Field Enter the client s Phone Number No spaces required E Mail Optional Field Enter the client s E mail address StoreID Required Field Select from the drop down list Each StoreID belongs to one or more currency Currency Required Field Select from the drop down list the currency your client will pay with Note that not all the currency will be available to select from the drop down list as this is depends on the StoreID field Trust 5 2 The drop down list wil
77. erform a multiple criteria search click on the Refine button and choose amongst And and Or For additional information about the Refine option please see Chapter 6 Section 6 6 Generating a report using the Refine Option PaymentTrust Microsoft Internet Explorer 101 File Edit View Favorites Tools 2 Q 9l d seo verme ecu 4143 Address PaymentTrust HOME CONTACT US HELP LOGOUT Q ADMIN Settlement Search e Transaction Terminal Selection Condition Value Refine Order Number z is equalto zi AND Order Number Transaction Date Currency ID RBS 2006 E l Done TTT 2 Figure 5 9 Settlement Deposit Search Screen Selection Drop Down List Trust 5 3 2 Settlement Deposit List To view a list of authorised transactions eligible for settlement Deposit click on the Settlement Deposit List The deposit list allows you to view all transactions eligible for settlement Deposit see Figure 5 10 101 xl Edt Favorites Tools ay x 18 P OL 3 Address JBE PaymentTrus HOME CONTACTUS HELP LOGOUT ADMIN For more detailed information on a transaction click the Details Search Tools Settlement List e Transaction Terminal Transactions Found 1 Forced Authorise Page 1 Settlement Sale Store ID
78. es in the appropriate currency with customer names and reference numbers that you provide PaymentTrust can return the completed cheques to you by courier for the fastest possible disbursement to the individual beneficiaries zox E E E view are E zu x Q x Bay Search Se Favorites Imr Address gt PaymentTrust HOME CONTACTUS HELP B LOGOUT 8 ADMIN Search Tools PayBack Cheque e Transaction Terminal Authorise These are required fields Authorise Settlement Order Number Store 14 Choose one z Currency Choose one z Sale EEEEERERERRERREREREREERRRRRRERRRRRRRERRE Forced Sale E PaymentTrust Cheque payTO FIRST NAME LAST NAME PAYMENT REFERENCE BTS Confirmation E ROLES ERR EEE BERR REE RE RR Reports Shipping Method Detaut gt Address 1 Address 2 D State Region Country Chooseone s Zip Postal Code Phone Number L EMi submit RBS 2006 nene 5 33 PayBack Cheque Screen Trust 5 50 lol xi View Favorites Tools Ow O x 29 s57m 26 2 z5O L5 Address 10 links gt PaymentTrust HOME CONTACT US HELP 2 LOGOUT ADMIN Secr PayBack With Cheque e Transaction Terminal E PTID 10422985 The status of a MOP
79. g 500 in the Value box with the condition set to is less than will produce all transaction amounts Trust 6 70 Condition Results less than 500 Is less than or equal to a partial Produces a ess than or equal to match to search what you entered in the Value box For a search by month entering 12 in the Value box with the condition set to is less than or equal to will produce all transactions occurring before and in the month of December Is greater than a partial search Produces a greater than match to what you entered in the Value box For a search by order number entering 100200 in the Value box with the condition set to is greater than will produce all order numbers whose sequence is greater than 100200 Is greater than or equal to a partial Produces a greater than or equal to match to search what you entered in the Value box For a search by month entering 5 in the Value box with the condition set to is greater than or equal to will produce all transactions occurring in and subsequent to the month of May Is similar to a partial search Produces a similar match to what you entered in the Value box For search by first name entering J in the Value box with the condition set to is similar to will produce all first names containing the letter J Table 6 1 Search Conditions Table Trust 6 71 T THE HELP SECTION The Help section of
80. igure 4 6 above Please ensure that the information you entered is correct before clicking on the submit button Once the information is submitted the search will yield the following results see Figure 4 7 Trust 4 16 Edit View Favorites Tools ay Dee OC BS PaymentTrus f HOME CONTACTUS HELP 9 LOGOUT 8 ADMIN Search Tool 3 Search List e Transaction Terminal Reports Transactions Found 3 Page 1 Store Order ld PTID Name Amount Date Response Number Code 100433669 7541831181 Bond 2 00 GBP 2007 01 11 08 56 06 2100 Details Bs Dess 100433668 2434898364 Bond 2 00 GBP 2007 01 11 08 55 54 2100 Details Test Desi 100433667 457603706 m 1 00 GBP 2007 01 11 08 55 41 2100 Details lt lt lt lt 1 gt gt gt gt RBS 200 Figure 4 7 Search List Screen The details button to the left of each row permits you to view additional information about a specific transaction see Figure 4 4 PaymentTrust 4 17 4 2 3 Description of Search Conditions Condition Results Is equal to an exact search Produces an exact match to what you entered in the Value box For a date search entering 07 24 04 in the Value box with the Condition set to is equal to will produce all transactions that occurred on July 24 2004 Is not equal to an exact search Produces a match to what you not entered in the Value box For a da
81. ing bank will not authorize the transaction Delayed Capture A delayed capture is a transaction type that uses the information from an authorization transaction to capture funds This is the second step in the delayed deposit process and should be used by merchants who do not provide immediate shipment of goods Delayed Deposit This is a two phase process that utilizes an authorization and a delayed capture transaction to process customer orders This procedure is recommended when the merchant delivers goods or services after a 48 hour period Demand Deposit Account A standard checking or savings account into which electronic funds can be transferred Deposit The process of transmitting a batch of transactions from the merchant to the acquiring institution for deposit preparation It marks a previously authorized transaction for funds capture during the next deposit period Merchants who do not ship goods immediately should use this transaction type after fulfilling their sales obligation Discount fee Fee paid by the merchant to the merchant bank or other contracted party for processing the merchant s credit card sales transactions Discount Rate Amount charged to a merchant by the acquiring bank for transaction processing It usually represents a percentage of the transaction amount The rate is typically based on monthly transaction volume total dollars and average ticket The discount fee is the dollar amount charged Downgraded
82. ing for processing to be ALL completed next cycle 2051 Request Pending with Cannot find the BTID for the original request PN Errors 2053 Notification Received Notification Received PN 2100 Transaction Transaction Authorized Approved ALL Authorized Approved 2101 Validated Validated NA 2102 Verified Verified NA 2103 Prenoted Prenoted NA 2104 Transaction approved Transaction was approved Base 24 NA 2105 Notification Cleared Notification Cleared PN 2150 Funds deposited Deposit request previously submitted has been NA successfully processed successfully 2160 Funds refunded Refund request previously submitted has been NA successfully processed successfully Trust 8 80 ane Description Explanation 2170 Transaction cancelled Cancellation request has been processed PT successfully successfully 2200 Transaction Declined Transaction Declined Not Authorized Not Settled ALL 2202 Cancellation Declined Cancellation Declined by Acquirer LY 2203 Cancellation cannot be Cancellation transaction failed PT performed 2204 Soft AVS Card was authorized but AVS did not match PH Contact client 2206 Invalid currency Incoming record currency type does not match PT system stored currency 2208 Invalid merchant account Invalid merchant account number PT number 2210 Invalid credit card number Bad check digit length
83. it code identifying the specific reason for the chargeback Check Guarantee A service which guarantees check payments up to the limit defined for the account provided that the merchant follows correct procedures in accepting the check The service determines whether the check issuer has previously written delinquent checks Companies like TeleCheck provide this type of service Chip Card Also known as a smart card A chip card holds details on a computer chip which can store and process information It usually also has a traditional magnetic stripe Clearing The process of exchanging financial details between an acquirer and an issuer to facilitate posting of a cardholder s account and reconciliation of a merchant s deposit position Common Gateway Interface An interface program that enables an Internet server to run external programs to perform a specific function Also referred to as gateways or CGI scripts these programs generally consist of Trust 11 92 a set of instructions written in a programming language like C PERL that process requests from a browser executes a program and formats the results in HTML Gateway scripts often add interactivity to a Web page by enabling users to fill out and submit forms for processing Confirmation Letter A letter sent by a processor to a merchant on a daily or weekly basis to verify batch deposits Converted Currency ID ISO standard numeric ids of the converted currency Example US
84. k on behalf of its customers Originator A company or other business entity that creates entries for introduction into the ACH network For example a billing company produces debit entries from customers financial institution accounts who have authorized direct payment for products and services Trust 11 98 See Primary Account Number PIN Personal Identification Number used by a cardholder to authenticate card ownership for ATM or debit card transactions The cardholder enters his her PIN into a keypad The PIN is required to complete an ATM debit card transaction Point Of Sale The place and time at which a transaction occurs Point of Sale POS also refers to the devices or software used to capture transactions POS See Point Of Sale Post Authorization A transaction for which a voice authorization was received See Prior Authorized Sale Post Auth See Post Authorization Posting The process of recording debits and credits to a cardholder s account balances Pre Auth Same as Auth Only Prenote See Pre Notification Pre Notification Prior to the initiation of the first ACH entry to an ACH receiver or the ACH receiver s account with an RDFI an ACH originator may at its option deliver or send a pre notification through an to its ACH operator for transmittal to the appropriate RDFI The pre notification shall provide notice to the RDFI that the originator intends to initiate one or more entries t
85. l Merchantld 100 arise TransactionType PT OrderNumber 3597737821 Strid 87031829 PTID 100433840 MOP CC Currencyld 826 Amount 1 00 AuthCode B2599F Refund RequestType S MessageCode 2100 Message Transaction Approved md CVNMessageCode 2 Credit Card CVNMessage No Data Matched d Authorise Forced Refund Cheque BTS Confirmation Reports RBS 2006 18 Internet 5 14 Sale Status Screen Trust 5 33 5 5 Forced Sale You may choose to perform a single forced transaction request that combines both an authorisation and a settlement deposit request Simply fill out the transaction screen see Figure 5 15 with authcode The Forced Sale authcode is where you can submit a Sale transaction with an authcode This authcode will have been previously obtained from your authorisation call centre of your bank Z PaymentTrust Microsoft Internet Explorer 3 ini x File Edit View Favorites Tools Help Om O dum Vemm OE od JAS Address r le ws PaymentTrust S LOGOUT ADMIN f HOME CONTACTUS HELP Search Tools Forced e Transaction Terminal Order Number Sale Authorise FirstName Forc Authorise These are 3 CO required fields Middle Name Settlement Last Name Sale Address 1 can Address 2 Refund Forced Refund ciy Finalize Refund State Region Pa k Credit Card Country orne 7 z Zip Postal Code L 1 a
86. l only display those currencies as configured specifically for your payment processing needs by your PaymentTrust representative see Figure 5 1 Fie Edt wew Favortes Toos ay Q 010 irm O Cz LIE S Address PaymentTrust HOME CONTACTUS HELP LOGOUT Order Number First Name ADMIN Search Tools Authorise Currency drop e Transaction Terminal Ried gente Midde down list Lastttame Please refer to Appendix for Cancel Addres 7 as the currencies suateResion presently k Credit Card Country available Cheq Zip Postal Code Phone Number tronic Credit Store 14 1 one Indonesian Rupiah UA Dirham British Pounds RBS 2006 Done T ECECE 8 p nene Figure 5 1 Authorise Screen Currency Drop Down List Once you select a currency from the drop down list additional fields will appear on your screen These are required fields Please refer to Figure 5 2 Trust alls 5 22 For osoft Internet Explore 15 xl Ele Edit View Favorites Tools av Qm O 6 pes dre OG oA S Address z Eco PaymentTrust f HOME CONTACTUS HELP e Transaction Terminal Hox dd Authorise FistNam 7 Additional required Forced authorise fields will appear Settiome LastName when
87. led information specific transactions by selecting from a series of search criteria Click here for more information Refine AND Selection Order Number submit is equal to is not equal to is less than is less than or equal to is greater than is greater than or equal to is similar to For a definition of Conditions available in Search Tools please refer to Table 4 0 e Figure 4 1 Search Tools Screen Selection Click on the arrow to the right of the Selection box and scroll down the list to select Request Type Condition In the Condition box select is equal to from the drop down list This permits you to search for a specific request type See Table 4 0 Value Enter the abbreviated form of the transaction you are searching for Please refer to the Section 4 1 Search Criteria Definitions In this example you are searching for all Settlement Deposit D transactions therefore enter D in the Value box The abbreviated form of the transaction you are searching for must be entered correctly otherwise an error message will appear on your screen or your search will not produce favourable results Your screen should now resemble Figure 4 2 below Please refer to Table 4 0 at the end of Chapter 4 See footnote above Trust 4 12 Ele Edit Favorites Tools a Qm O 010 verme 2 15 9 83 Address 18 Links gt
88. lo x Ele Edit View Favorites Tools Help ay O x se Favorites olg Address PaymentTrust HOME CONTACTUS 2 LOGOUT Report List Custom Report Wizard Schedule 10 11 2004 Fields with are End Date 10 11 2004 mandatory Start Time Hrs 23 Y mins 00 Click on titles marked in bold for help Frequency Type Choose one Frequency Value RBS 2006 18 internet 2 Figure 6 1 5 ntTrust 6 59 Z Back Office Reporting Services Microsoft Internet Explorer loj xl gdt Mew Favorites Tools 2 Q O x E ejs Search Sp Favorites 3 Address X Ee Links PaymentTrust f HOME CONTACTUS LOGOUT Report List Custom Report Wizard Schedule Start Date 10 11 2004 Fields with are Romeo mandatory End Date 10 11 2004 8 Start Time Hrs 23 gt mins 00 gt Click on titles marked in bold for help Frequency Type Hour pd Frequency Value Ho Nex Figure 6 1 6 After filling all the details as shown in the above figure 6 2 5 click on the Next button ntTrust 6 60 i Back Office Reporting Services Microsoft Internet Explorer d ABl xd Ele Edt Favorites Tools ay Qax x 1 Lo seach OZ gt wj LJE 3 Address Fe mw PeymentTrust HOME CONTACTUS 2 LOGOUT Report List Custom
89. lowest qualification level at which a Visa or MasterCard transaction may interchange This occurs when a transaction is deposited several days after the original authorization Trust 11 101 Surcharges Any additional charges to a merchant s standard processing fee They are a result of non qualified transactions of different communication methods Suspense A state in which a batch of transactions is not released to interchange because of problems noticed by the host computer Requires human intervention to fix the problem and deposit the batch Swiped Card Credit card information that is transferred directly as a result of swiping or sliding the credit card through a card reader Swiped cards are used in retail and other card present situations The information magnetically encoded in the magnetic strip includes confidential data that helps validate the card Synchronous A method of transmitting data in which the data elements are sent at a specific rate so that start and stop characters are not needed Used by older modems such as Amex PIP terminals See Asynchronous T T amp E Card See Travel and Entertainment Card Tender Type The type of money used when processing a transaction for example credit card check ACH Purchase Card etc Third Party Processor A non member agent employed by an acquiring bank which provides authorization deposit and merchant services to the bank s merchant Track 1 Bank discretionary
90. mber and select the currency and click on the submit button PaymentTrust Microsoft Internet Explorer Edt View Favorites Tools 51 t Q O 92 6 elc zwi Jae wet Bl HOME CONTACTUS HELP LOGOUT 2 ADMIN BTS Transaction Merchantld 100761 TransactionType PT OrderNumber 12345678 Strid 86793664 BTID 9110513337 RequestType AccountNo 69 BankAddress HSBC Currencyld 702 PaymentTrust The status of this transaction will be request pending RBS 2006 ale 18 memet 5 37 BTS Transaction Screen In order to process this transaction use the BTS Confirmation which is explained in section 5 13 Trust 5 53 5 13 BTS Confirmation To confirm BTS Confirmation you must perform a BTS Transaction as mentioned in section 5 12 This allows you to view all BTS transactions that are eligible for confirmation You may then select the ones you wish to confirm see Figure 5 38 T e T Favorites Tools a 2 At a Q O 9g Ds verme eo uw Dads Address AE gt PaymentTrust f HOME CONTACTUS HELP LOGOUT Q ADMIN Search Tools BTS e Transaction Terminal Confirmation Authorise Authorise BTS List Allows you to view all BTS transactions that are eligible for confirmation You may then select the ones you wish to confirm Click here to view BTS list P
91. nal Selection Condition Value Refine Order Number x fis equal to zf AND submit RBS 2006 E Done lf BIO internet 2 5 16 Cancel Search Screen 5 A transaction eligible for cancel will include only those transactions that have been authorised without any subsequent transaction activity Trust 5 35 5 6 1 Illustrative Example Cancel Search By Client s Last Name The following example illustrates a Cancel search for all transactions corresponding to a client s last name To learn more about the Conditions available in the Cancel search please refer to Chapter 4 Section 4 2 3 Description of Search Conditions For an illustrative example on generating a Refine search please refer to Chapter 6 Section 6 6 1 Using Multiple Search Criteria with Or Ele Edit view Favorites Tools m Q O ha tx e 1 8 Address PaymentTrust HOME CONTACTUS HELP 9 LOGOUT ADMIN Search Tools Cancellation Search Selection Condition Value Refine Month Dis equalto zl oi AND submit BTS Confirmation Reports RBS 2006 T 8 fp internet 5 17 Cancellation Search Screen Selection Click on the arrow to the right of the Selection box and scroll down the list to select Last Name Condition In the Condition box select is equal to from the drop down list This permits you to narrow your search to match the information entered
92. o that receiver s account in accordance to the receiver s authorization Primary Account Number commonly called PAN The number that is embossed encoded or both on a plastic card that identifies the issuer and the particular cardholder account The PAN consists of a major industry identifier issuer identifier individual account identifier and check digit Prior See Prior Authorized Sale Prior Authorized Sale A transaction for which authorization was obtained before a transaction takes place e g when a merchant has to call for authorization before services are rendered The approved authorization request may be held for an extended length of time before a card is present or not Trust 11 99 Prior Auth See Prior Authorized Sale Private Label Card A bank card that can be used only in a specific merchant s store Typically not a bank card Processing Date The date on which the acquiring bank processes the transaction Processor A large data center that processes credit card transactions and deposits funds to merchants A processor connects to the merchant on behalf of an acquirer via a gateway or POS system to process payments electronically Processors edit and format messages and switch to bank card networks They provide files for clearing and deposit and other value added services Qualification A level at which a transaction interchanges The level of qualification is dependent on how a credit card number is entered
93. on searches The merchant can retrieve detailed information on specific transactions by selecting from a series of search criteria Click here for more information Selection Condition Value Refine Order Number is equal to z AND First Name Last Name Transaction Date Currency ID Currency ISO code Card Name Card Type Card Number MOP Type Store Id PTID Request Type Response Code Transaction Source Batch ID Batch Time BTID The Selection box Day PxID displays all criteria BTS Customer Name available to generate a BTS Credit Date 2 customised search BTS Bank Reference ID RBS 2006 B internet Figure 4 0 Search Tools Screen 4 1 Search Criteria Definitions Choosing from the following search criteria you can customise your search according to your specific needs To select a criterion click on the arrow to the right of the Selection box and scroll down the list highlighting the criterion by which you want to search The search criteria definitions are as follows 4 1 1 Search by Order Number Searches a specific order number that is associated with a series of transaction types all of them related to one original authorisation code This number is unique and assigned by the Merchant Data entry format Merchant assigned order number Example 00800120 4 1 2 Search by Transaction Date Searches a transaction date in which specific transactions occurred
94. on in the delayed deposit process It does not bill the card until a delayed capture transaction is issued The authorization must be deposited in order to charge the account If it is not used within a certain time period it will drop off The issuing bank determines the time period for drop off Authorizations can only be used for credit card transactions Authorization Code Approved sale and authorization transactions always receive a numeric or alphanumeric authorization code referencing the transaction for processing purposes Automated Clearing House The Automated Clearing House ACH network is a nationwide wholesale electronic payment and collection system It is a method of transferring funds between banks via the Federal Reserve System Most but not all financial institutions use it Average Ticket The average dollar amount of merchant credit transactions AVS See Address Verification Service Trust 11 90 Bank card A debit or credit card issued by a bank Bank Identification Number The digits of a credit card that identifies the issuing bank It is sometimes the first six digits and is often referred to as a BIN Also referred to as Issuer Identification Number Basis Point One one hundredth of a percent Discount rates are expressed as basis points Batch A collection of transactions submitted for deposit Usually a merchant has one batch per day or per shift Batch ID Once a batch is deposited it is assigned a
95. order your data Once you have created a scheduled report the Back Office Reporting Services engine will generate your report based on your settings and inform you by e mail when the report is ready 6 1 1 Illustrative Example Custom Report The illustrative example below shows the required steps to building a summarised report based on an equal to transaction processed successfully with response code 2100 Response Code 2100 Click on the Custom Report Wizard and the following screen will appear 15 5 File Edit Favorites Tools ay 1 1 2 2 m JB Address PaymentTrust HOME CONTACTUS 2 LOGOUT Report List Custom Report Wizard Report Info Name Fields with are Notification E Mail mandatory Notification Status Activated gt Click on titles marked in Export Format Choose one bold for help Next RBS 2006 il fip internet 2 Name Name of the report in this case Example Notification E Mail An e mail address where you want to the report to be sent Notification Status Click on the arrow to the right Notification Status box and scroll down the list to select Activated or Deactivated Export Format You can select what format you want the report see figure 6 1 1 For this example xml selected as shown in figure 6 1 2 Trust 6 56 Z Back Office Reporting Services Microsoft In
96. p by step tour of how to use PaymentTrust for the first time We will be reviewing the following sections Login Merchant information Search e Transaction Terminal Reports and Help Should you need information on a specific topic we have included for your convenience thick horizontal bars with the name of the section at the right side of each page for quick access We now begin our tour of the PaymentTrust system We hope you enjoy it and we would appreciate feedback at following email address support PaymentTrust com Your feedback will help us to improve our future editions of the PaymentTrust user manual PaymentTrust Setup Before using the PaymentTrust processing system you must have the following An e commerce web site used to link directly to the You will need the PaymentTrust system following an e commerce web site an An HTML editor used for inserting HTML code that we will HTML Editar web provide into your web site This code provides the link browser and an necessary from your web site to the PaymentTrust system Internet Merchant A web browser to navigate into the PaymentTrust web site Identification Number either Internet Explorer 4 and higher or Netscape 4 75 An Internet Merchant Identification Number provided by your financial institution that will allow you to accept credit cards Logging into the PaymentTrust web site Before you can enter the PaymentTrust web sit
97. pecified amount to the cardholder s account MasterCard An association of banks that governs the issuing and acquiring of MasterCard credit card transactions and Maestro debit transactions Member A financial institution that is a member of Visa USA and or MasterCard International A member is licensed to issue cards to cardholders and or accept merchant drafts Merchant A retailer or any other entity pursuant to a Merchant Agreement that agrees to accept credit cards debit cards or both when properly presented Trust Merchant Agreement A written agreement between a merchant and a bank or possibly between a merchant a bank and ISO summarizing their respective rights duties and warranties with respect to acceptance of the bank card and matters related to bank card activity Merchant Bank A bank issuing an agreement to a merchant to accept acquire deposits generated by bank card transactions Merchant Category Code A code assigned by an acquirer to a merchant to identify the merchant s principal trade profession or line of business This 4 digit code is also know as the SIC code Merchant Discount Compensation received by a bank from a merchant for processing and accepting credit card risk on the merchant s credit card sales Merchant Number A series or group of digits that uniquely identifies the merchant to the merchant s signing bank for account and billing purposes Merit Refers to the qualification levels for
98. processed and click on Confirm button Trust 5 54 6 USING THE REPORTS PaymentTrust provides you with the ability to produce user friendly reports detailing each transaction that has passed through your account on a daily basis You can retrieve detailed report information by selecting from a series of search criteria Ele Edt Favorites Tools 4 ix i J search 0 Favorites o tum Search Tools e Transaction Terminal Reports PaymentTrust HOME CONTACTUS HELP 2 LOGOUT Q ADMIN Merchant ID Home PaymentTrust provides cost effective reliable and secure transaction processing solutions for online businesses PaymentTrustTM enables Internet businesses to authorise process and manage credit card and debit card transactions in real time PaymentTrust offers merchants easy to use tools to effectively manage their online payment activities Merchants can benefit from global business opportunities through the ability to trade in 59 countries and settle payments in 25 different currencies Once the customer clicks on the buy button the merchant s storefront establishes a connection to the PaymentTrust system PaymentTrust then establishes contact with the credit card processor and a credit card authorisation is completed in real time The transaction is logged in the database for recovery The merchant can verify and perform multiple transactions using the P
99. proved once the request is processed and approved by the bank processor Other Comments Submit PTID Order Number Request Type Batch ID Batch Time Type Amount Date Response 10422208 80DB976F 5 Visa 1 00GBP 02 08 2004 Tran Approved 10422209 80DB976F D Visa 1 00GBP 02 08 2004 T proud 10422294 9522F0A6 R Visa 1 00GBP 02 08 2004 Transaction Approved B internet 5 28 Search Details Screen Trust 5 45 5 8 Forced Refunds The Forced Refund is where you can submit a Refund transaction for same as deposit or less than deposit amount with an authcode This authcode would have been previously obtained from your authorisation call centre of your bank Simply fill out the transaction screen see Figure 5 29 with authcode For Internet transactions this doesn t apply For Internet refund transactions which are above the original deposit amount you use Forced Refunds Please note you don t need an auth code for this type of transaction as it doesn t go for online authorisation However you need to use the correct Bank MerchantID this is called StoreID in PaymentTrust as this StoreID will be different from the deposit transaction StoreID You can only process refunds back to Visa Credit Visa Electron and Visa Debit cards Pa T 101 Edt View Favorites Tools t O O 2 Z uL 23
100. rchants Interchange The flow of information between issuers and acquirers e g transactions retrieval requests chargebacks Trust 11 95 Interchange Fee The fee charged by Visa and MasterCard for each credit card transaction This fee is part of the discount rate Internet Merchant Bank Account A special account required for merchants who wish to sell goods and services over the Internet and accept credit cards as payment This type of account is different than a typical merchant account and is considered similar to a card not present transaction Internet Service Provider A company that offers access to individuals or companies to connect to the Internet ISO See Independent Sales Organization ISP See Internet Service Provider Issuer An institution that issues plastic cards to cardholders Issuing Bank See Issuer Magnetic Ink Character Recognition MICR The process used to read the string of numbers on the bottom of a check The MICR characters 0 9 and 4 special characters are printed in special toner or ink When the check is passed through a reader sorter it passes through two magnetic heads The first one magnetizes the MICR character and the second one reads the now magnetic MICR character Also referred to as Magnetic Ink Check Reader Manual Entry Credit card information that is entered via the e Transaction Terminal of PaymentTrust Payment Manager Manual Refund A transaction that returns the s
101. red by the merchant and given to the client together with bank account details to pay into When the funds have cleared the account and reported in PT the B TID is matched in the system to proved the transaction is authentic 4 10 Example 4 1 17 Search by Year Searches by the year Data entry format Example 4 1 18 Search by Month Searches by the month Data entry format Example 4 1 19 Search by Day Searches by the date Data entry format Example Trust 12345678 YYYY 2004 MM 07 DD 24 4 2 Illustrative Search Examples The following examples illustrate three commonly used transaction searches 1 Search by Request Type using the condition is equal to 2 Search for all transactions by First Name occurring on a specific date using the condition is similar to 4 2 1 Search by Request Type In this example you will perform a search for all Settlement Deposit D transactions Click on Search Tools in the menu bar see Figure 4 1 The following screen will be displayed Ele Edit Favorites Tools Help ay O 1 18 seach 2 2 om 1J a Address 18 gt PaymentTrust HOME CONTACTUS HELP LOGOUT Search Tools Search Tools e Transaction Terminal Reports PaymentTrust offers the merchant easy to use tools for conducting up to date online transaction searches The merchant can retrieve detai
102. rminology eeeeee teen eene nennen etna enata atn enaens 11 89 1 WHAT CAN PAYMENTTRUST DO FOR YOUR BUSINESS 1 1 Overview Selling online presents its own set of dilemmas Secure cost effective and reliable payment processing solutions are a constant concern With PaymentTrust Merchants can rest assured and offer their clients a worry free payment facility with the added benefit of an enjoyable shopping experience Merchants can benefit from the following features with our world class payment processing solution 1 The ability to authorise process and manage debit and credit card transactions in real time 2 The ability to attract a larger client base by processing orders in 22 currencies 1 2 All major credit cards supported PaymentTrust supports all major credit cards including Visa Master Card American Express Discover Diner s Club JCB Carte Blanche Beneficial and non PIN based debit card UK Maestro 1 3 Trade and settle your transactions in 22 currencies Processing in multiple currencies eliminates your clients foreign exchange risks and issues which typically stem from local charges to foreign credit cards PaymentTrust currently processes Visa Master Card and American Express transactions in the following 22 currencies Australian Dollar Austrian Schilling Belgian Franc British Pound Sterling Canadian Dollar Danish Krone Dutch Guilder Euro Finnish Markka French
103. ror Unable to process transaction BMS ST PH and BV 2620 Unable to process Unable to process transaction due to system FS LY and malfunction BV 2622 Unable to authorize Unable to authorize due to system malfunction LY and BV 2624 Merchant information Merchant information incomplete NT and P2 incomplete 2626 Invalid CVN value Invalid CVN value FS and LY 2627 Invalid track2 data The track2 format information is incorrect PT 2628 Transaction not supported Merchant not Support this transaction LY 2630 Invalid store ID No such store ID for the merchant PT 2632 Invalid authcode Invalid authcode NA 2634 Invalid format Invalid format AX and LY 2636 Invalid message type Invalid message type NA 2638 Invalid POS system type Invalid POS system type NA 2640 This transaction has been A message has be sent to reverse previous time out AX and LY cancelled transaction 2642 This TrxSource is not This TrxSource is not supported by the bank PT supported by the bank 2644 Insufficient Terminal IDs Not enough terminal ID at the time of transaction ST please try again 2700 Invalid file General error for PC card NA 2702 Amounts do not compute Amount is invalid PT 2704 Line items do not add upto Line items do not add up to summary total PT summary total Trust 8 83 binas Description Explanation Scu 2706 Not support
104. ror message for invalid transactions FX 3321 Invalid account data Invalid account data FX 3341 Non executable rate Quoted rate is not executable FX 3354 Refund amount over limit Refund is over the original value of the deal FX 3361 Rate quote invalid Quoted rate is invalid FX 3362 Rate expired not escalated Expired rate cannot be escalated FX 3371 Rate revoked Rate has been revoked FX 3381 Transaction exceeds Transaction min max limits reached FX amount limit 3391 Batch size exceeds the Batch size exceeds the Maximum allowable size FX maximum allowed transaction payment not written to database 3614 FX system unavailable FX system cannot be reached FX 3781 Refund not enabled Refund disabled in merchant set up FX 3783 Refund not possible Refund cannot be processed FX 3785 Refund period expired Refund period expired FX 4050 Cardholder enrolled Cardholder enrolled for 3D Secure 3D 4100 Cardholder authenticated Cardholder answered password challenge question 3D correctly 4200 Cardholder not enrolled Cardholder not enrolled for 3D Secure 3D 4202 Card not participating in 3D Credit card is not recognized as a 3D Secure card 3D Secure 4204 Cardholder not Cardholder failed to answer password challenge 3D authenticated question 4206 Invalid currency Invalid currency 3D 4207 Invalid merchant setup Invalid merchant setup Please call support 3D Please call support 4208 Invalid merchant account Invalid merchant
105. rust then establishes contact with the credit dard processor and a credit authorisation is completed in real time The transaction is loggdd in the database for recovely The merchant can verify and perform multiple transactions using he PaymentTrust Terminal The entire transaction is completed within secqnds To access our user friendly reports You can generate the following reports Summary Full Detail Authorisations amp Deposits Settlements Refunds and Voids amp Cancellations Figure 3 1 Home Page Screen e Transaction Terminal Search Tools To utilise our easy to use To perform manual tools for conducting real time online transaction searches transactions through our electronic transaction terminal 4 USING THE SEARCH TOOLS In this section you will learn the basics of using our search tools Due to the ease with which our tools allow you to conduct real time online transaction searches we will only illustrate two examples of frequently used searches You can retrieve detailed information on specific transactions by selecting from a series of search criteria see Figure 4 0 Trust 4 6 Edit View Favorites Tools ay Qm O Ope Yr OE 3 L 8 Address Ede tints PaymenttTrust Search Tools Search Tools PaymentTrust offers the merchant easy to use tools for conducting up to date online transacti
106. ss preceded by a deposit request that has been processed and approved by the bank processor Trust 5 32 5 4 Sale You may choose to perform a single transaction request that combines both an authorisation and a settlement deposit request Simply fill out the following transaction screen see Figure 5 13 Once the transaction is submitted for authorisation and approved the system will flag that transaction for settlement deposit during the next settlement deposit cycle et Explo 5 x Edt Favorites Tools e Q O 4 0105 Xr Ol BS wl LMS Address z Links PaymentTrust HOME CONTACTUS HELP LOGOUT Q ADMIN Se hh Tool Sale Order Number e Transaction Terminal These are First Name required fields Middle Name Last Name Address 1 Address 2 Refund Forced Refund City State Region Credit Card Country Choose one Cheque Zip Postal Code Electronic Credit Phone Number E Mail Store Id Choose one v submit a https paymenttrust eu trustmarque com Test manual dep asp BOn E 5 13 Sale Screen APaymentTrust microsoft Internet Explorer OO EX 151 File Favorites Tools ay Q O A swe elc 2 43 Address 180 we PaymentTrust i CONTACTUS HELP 2 LOGOUT 2 ADMIN Search Tools Sale e Transaction Termina
107. t To view the settlement deposit still pending click on the LL and enter the criteria to locate the transaction Then to access full details of the transaction click on the Pesis button See the Settlement Details screen see Figure 5 11 Z PaymentTrust Microsoft Internet Explorer File Edit View Favorites Tools zigixi ay Q QO ig Gl Psat yr OL 249a 148 3 Adress 180 us Search Tools Search Details e Transaction Terminal Reports Store ID 1 Name Payment Trust Address Benwell House Green Street Sunbury NA United Kingdom TWIB Comments Phone Number 01932 E Mail Card Number 2918 Auth Code B24E48 ECI CAV Secure ID PaymentTrus You can view all pending transactions in the Settlement Details screen Request Pending appears under the Response column 100433693 123456769 A 100433767 4205990497 D z Submit PTID Order Number Request Batch ID Batch Card Type Time Type Visa Delta 1 00GBP 2007 01 11 10 08 33 100000049 Amount Date Visa Delta 1 00GBP 2007 01 11 Y Response Transaction Approved Request pending 11 05 54 pone CEE i meme 2 Figure 5 11 Search Details Screen Request Pending Trust 5 31 Once a settlement deposit request has been approved the pending status will automatically change to approved in the Search Details section under the Response
108. t was generated on Nov 10 2004 11 07PM Please login to the TMI PaymentTrust Reporting Service Live Services site https paymenttrust eu trustmarque com PTRSLive to download the report This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed If you have received this email in error please notify the system manager This message contains confidential information and is intended only for the individual named If you are not the named addressee you should not disseminate distribute or copy this e mail E Paymenttrust Mic 5 TrustMarque s B alexetest Messag PT Back office repor You can download the report see figure 6 2 3 by clicking on the Report List see figure 6 2 2 Back Office Reporting Service oso e plo loj xj Ele Edit Favorites Tools f Qa 75 She Favorites C 27 wi 3 addres S le gt PaymentTrust HOME CONTACT US 2 LOGOUT Report List e Custom Report Wizard Report List Merchant ID 100000 There are 2 reports in total Name Interval Last Execution Next Execution example Hourly 04 11 2004 05 28 02 04 11 2004 07 27 11 Edit Download Deactivate Execute Now Delete test Daily 03 11 2004 11 49 17 04 11 2004 11 45 00 Edit Download Deactivate Execute Now Delete lt lt 4 gt gt RBS 2006 x 18 qp Internet 2 Figure 6
109. te search entering 07 24 04 in the Value box with the Condition set to is not equal to will produce all transactions that occurred not on July 24 2004 Is less than an exact search Produces an exact match to what you entered in the Value box For a date search entering 07 24 04 in the Value box with the Condition set to is less than will produce all transactions that occurred before the July 24 2004 Is less than or equal to an exact search Produces an exact match to what you entered in the Value box For a date search entering 07 24 04 in the Value box with the Condition set to is less than or equal to will produce all transactions that occurred before and on the July 24 2004 Is greater than an exact search Produces an exact match to what you entered in the Value box For a date search entering 07 24 04 in the Value box with the Condition set to is greater than will produce all transactions that occurred after the July 24 2004 Is greater than or equal to an exact search Produces an exact match to what you entered in the Value box For a date search entering 07 24 04 in the Value box with the Condition set to is greater than will produce all transactions that occurred after and on the July 24 2004 Is similar to a partial search Produces a similar match to what you entered Trust 4 18 in the Value box For
110. ternet Explorer Ele Edit Favorites Tools 215 5 ay Q O 2 A Sig Favortes gt 3 Address 18 Report List Custom Report Wizard HOME Report Info Fields with are mandatory Click on titles marked in bold for help CONTACT US 2 LOGOUT Name Notification E Mai SS Notification Status Activated gt Export Format Chooseone Choose one CSV Comma Delimited Tab Delimited XML PaymentTrust RBS 2006 2 Figure 6 1 1 iix Ele Edit View Favorites Tools ay Q x 2 H JO sen Favortes 6L 3 Address x Be Links gt Report List Custom Report Wizard HOME Report Info Fields with are mandatary Click on titles marked in bold for help CONTACT US 2 LOGOUT Name E Notification E Mail D en Notification Status Activated gt Export Format z Next PaymentTrust RBS 2006 Figure 6 1 2 4 PaymentTrust After filling all the details as shown in the above figure 6 1 2 click on the Next button and the following screen will appear 6 57 ETA ice Reporting Services Microsoft Internet Explorer 5 xj File Edit View Favorites Tools Help a Q O A 0 O Z IA S Ce gt wes a PaymentTrust HOME CONTACT
111. the PaymentTrust web site offers you a comprehensive detailed explanation of the tools available to you to manage your daily transactions effectively To use the section either click on the here link in the section you need more help with or click utton in the title bar to access the Help Menu see Figure 3 1 The information below is also available for viewing on our PaymentTrust site 7 1 Help Search Tools PaymentTrust offers you easy to use tools for conducting up to date online transaction searches You can retrieve detailed information on specific transactions by selecting from a series of search criteria 7 1 1 Transaction Date Searches a date or range of dates in which specific transactions occurred A date search may return multiple order results Data entry format MM DD YY Example 08 25 00 For Custom Report the format is shown as below Data entry format DD MM YYYY Example 13 12 2005 7 1 2 Order Number Searches a specific order number that is associated with a series of transaction types all of them related to one original authorisation code This number is unique and assigned by the Merchant Data entry format Merchant assigned order number Example 00800120 7 1 3 Credit Card Number A credit card number search will return all transactions on a specific credit card number Data entry format Client s credit card number no spaces Example 4000000000000002 Trust 7 72 7 1 4
112. the cardholder s account Payback P A transaction that returns a specified amount to the cardholder s account by cheque CQ or credit card CC or electronic transfer EC BTS Bank Transfer Service B A transaction that returns a specified amount to the cardholder s account electronically via bank Trust 7 16 7 3 Help Report Search Tools PaymentTrust offers you easy to use tools for conducting up to date online transaction searches You can retrieve detailed information on specific transactions by selecting from a series of search criteria 7 3 1 Transaction Amount Searches for a specific transaction amount Data entry format 00 00 Example 150 25 7 3 2 Authorisation Code Searches by a specific authorisation code This number may not be unique Data entry format 6 digit authorisation code specified by financial institution Example 021305 7 3 3 Credit Card Number A credit card number search will return all transactions on a specific credit card number For privacy and security reasons only partial credit card numbers are kept in our system To search for credit card numbers use only the first four digits or the last 3 digits with the similar to condition Data entry format Client s credit card first four numbers or last three numbers and condition similar to Example For credit card number 4000000000000002 use 4000 or 002 7 3 4 Currency Code Searches by currency used for processing transactions
113. this type of file RBS 2006 gt 8 internet 2 Trust 6 69 6 2 1 Display Types Display type options are available for the following reasons l Itpermits you to view your data in a format suitable to your needs 2 Itpermits you to choose a display type compatible to your browser version and pre set properties for optimal viewing Results are not affected by the display type you select only the data is displayed in a different format Excel Compatible Formats CSV Comma Delimited TAB Delimited Suitable for Reconciliation Internet Explorer Compatible Formats XML Not suitable for Reconciliation Table 6 0 Display Types Table 6 2 2 Description of Search Conditions Condition Results Is equal to an exact search Produces an exact match to what you entered in the Value box For a search by date entering 10 12 00 in the Value box with the condition set to is equal to will produce all transactions that occurred on October 12 2000 Is not equal to a partial search Produces a not equal to match to what you entered in the Value box For a search by response code entering 2100 in the Value box with the condition set to is not equal to will produce all transactions whose response code is not equal to 2100 Is less than a partial search Produces a less than match to what you entered in the Value box For a search by amount enterin
114. tionType PT OrderNumber 8794146177 Strid 87033923 PTID 100433853 MOP CC Currencyld 826 Amount 1 00 Nass din 25 Subsequent to the Cancel request a Message Transaction cancelled successfully Cancellation Status k Electronic Crea will appear on your ara screen Reports RBS 2006 Eie 2 5 20 Cancellation Status Screen Transaction Approved To ensure the cancellation process was performed correctly return to Search Tools via the Menu Bar see Section 3 4 Re create the steps in Section 5 4 1 Your search will produce the following screen ayme oso plo 1 x gdt Favorites Tools Q 8 Olp e 3m Us Address us JBL PaymentTrus HOME CONTACTUS HELP LOGOUT ADMIN Search Tools Search Details To certify the Store ID 1 success of the Name Phone Number F E Mail cancel request Card Number 2918 Auth Code return to Search Coin NA e Tools and perform Secure ID a basic search The cancel request will be displayed B as shown in figure 5 21 Comments PTID Order Request Batch Batch Card Amount Date Response Number Type D Time Type 100391910 245736010 A Visa Delta 1 00GBP 2006 11 01 Transaction cancelled 09 28 47 successfully 100433720 3374095432 D Visa Delta 1 00GBP 2007 01 11 Transaction not supported 10 44 03 100433853 87941461
115. transactions are not captured until they are completed by a deposit transaction PaymentTrust transaction types that are automatically flagged for capture include simultaneous authorization deposit and refund V Visa An association of banks that governs the issuing and acquiring of Visa credit card transactions Trust 11 103
116. y ectronic Credit BTS Transaction Phone Number BTS Confirmation E Mail Reports Store Id 1 hd Currency British Pounds Card Type Choose one Authorization Code D i Amount L 1 7 Secure ID D submit J RBS O 2006 ie TFT T8 fp 2 5 15 Forced Sale Screen Trust 5 34 5 6 To cancel an authorisation you must use the Cancel Search tool see Figure 5 16 Using the drop down list in the Selection box select from the following search criteria to identify your transaction Order Number First Name Last Name Transaction Date Currency ID Currency ISO Code Card Name Card Type Card Number MOP Type Store ID Request Type Response Code BatchID Batch Time PTID BTID Year Month and Day These terms are defined in the Help section 8 Click the button for more details In the Value box specify a value in relation to the search criteria you select To perform a multiple criteria search click on the Refine button and choose amongst And and Or For additional information about the Refine option please see Chapter 6 Section 6 6 Generating a report using the Refine Option The Cancel Search works the same way as the regular Search Tools see Section 4 Using Search Tools 101 s Edit Favorites Tools Help ay Q O A 01 Teme OS d JAS Address Eco ws PaymentTrust Cancellation Search e Transaction Termi

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