ANZ eGate Merchant Administration User Manual_v1
Contents
1. 10 Change Password 11 Locked Out USerssisssnsneensennnennennnnennnnnnnnnnennineeiesiss 12 2006 Australia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 vii Australia and New Zealand Banking Group Limited Order D talls tenet ense te ARRE teret Ehe pe ret tiit itti Re R Ee TEE eb eve erede teet ee vetere eet 17 Financial Transactions ccccccsssssssssssssssssssscsssssssssesssssssssssscssssacssssssssesssssacsssessnssesssssassessscsssesscsssssssssessasasscssesesssssssacacsssssssess 22 Financial Transaction Search ire 22 Financial Transaction Details tide dedo e dee iiit teles edet e ue pere ERE 24 Payment Authentications Selection What are Payment Authentications Payment Authentication Search Payment Authentication D etails esse ORDER n M 31 Inn mE 31 Periorming a Card TransacuOn rT 31 B REPORTS nardum cc beste I E IM E C MD IA RI ML UE 35 Ini m 35 Merchant Reports 35 COCO RAT nee M MEM ME 38 LAPPEND IR mr eae 42 Test Cards ssc2. 42 ce nn nana de a dat eine 43 Response COGES M issi 43 CSC Resni DL EM rte ses 45 DC DLL M X 45 AUTHENTICAUON SILICET 46 Verification Security Level 47 SD Secure VE Res emroled sisissisisisssisssscsssssasesossasssissensssecoascssvesscosecosscsceiscessceigesecsaicessbvcosceiscsvcoovccoscanssascantcsssaavcssvcasuesscasvesvien 47 FD Secure 0 c R 48 Sr unio T 48 FD Secure PARES STATUS M 48 2006 Australia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 viii Australia and New Zealand Banking Group Limited Quick Reference Guide Getting Started e Why would I use Merchant Administration Merchant Administration is used by merchant personnel to monitor and manage their on line processing and administration of payments e How doI access Merchant Administration for the first time You need the ANZ eGate Merchant Administration URL your merchant id user name and password to access the MA system these details will be provided by your bank See
3. ANZ eGate ANZ eGate Merchant Administration User Manual Australia and New Zealand Banking Group Limited Copyright The information contained in this manual is proprietary and confidential to Australia and New Zealand Banking Group Limited an ANZ Banking Group New Zealand Limited This material may not be duplicated published or disclosed in whole or in part without the prior written permission of ANZ Trademarks All third party product and service names are trademarks or registered trademarks of their respective owners ANZ Consumer Finance 10 75 D orcas Street South Melboume Victoria 3205 Australia 1800 039 025 69 Tory Street Wellington New Zealand 0800 EFTPOS 338767 2006 Australia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 1 Summary of Changes ANZ eGate Merchant Administration User Manual September 2006 Change Summary Description of Change Where to Look 2006 Australia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 Australia and New Zealand Banking Group Limited nfo In atio n about this Manual Contents This manual contains systematic guidelines on how to use the Merchant Administration facility from Setup to generating Merchant Reports Please refer to Using this Manual for a complete list of the contents of this manual Questions If you have questions about this man
4. for example 654321xxxxxxx123 The full card number is displayed The card number is not displayed e Amount The total value of the transaction e Authentication Type Indicates whether the transaction was authenticated by either Verified by Visa Visa 3 D Secure or ANZ SecureCode e Authentication State A description of the status of the authentication attempt Y Success N Failure e Verification Token A unique identifier returned by the Issuer for the authentication known as the AVV for ANZ and CAVV for Visa 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 29 e Verification Security Level The security level sent in the subsequent authorisation message This could be the Issuer response ECI for Visa or SLI for ANZ values e 3D Secure VERes enrolled The determined enrolment status of the cardholder from the International ANZ or Visa Directory Services Y yes N no U undetermined e g the payment authentications system was unavailable at the time of authentication e 3D Secure XID A unique identifier allocated by ANZ eG ate and is used to trace the authentication e 3D Secure ECI The 3D Secure Electronic Commerce Indicator as returned from the Issuer in response to an authentication request If the authentication response is undetermined this field will be blank If this value is received from th
5. 2 Setup 3 Transactions 4 Orders 5 Reports A Appendix A Glossary 2006 Australia and New Zealand Banking Group Limited Description A list of the manual s chapters and subsections Each entry references a chapter and page number A description of the manual s purpose and its contents An overview of Merchant Administration How tologin into Merchant Administration and how to create new users How to search for existing transactions How to perform card transactions How to create reports detailing transactions ANZ eGate Response Codes A dictionary of terms and acronyms used by ANZ in the ANZ eG ate Merchant Administration system ANZ eGate Merchant Administration User Manual e January 2007 Australia and New Zealand Banking Group Limited Revisions ANZ periodically will issue revisions to this document as we implement enhancements and changes or as corrections are required With each revision we include a Summary of Changes describing how the text is changed Revision markers vertical lines in the right margin indicate where the text is changed and the date of the revision appears in the footer of each page Occasionally we may publish revisions or additions to this document in a G lobal O perations Bulletin or other bulletin Revisions announced in another publication such as a bulletin are effective as of the date indicated in that publication regardless of when the changes are published in this manu
6. APPENDIX A Test E nvironment Test Cards The following table shows the test card numbers and associated expiry dates configured for each card scheme on the ANZ eGate Payment Server PAN Bankcard A ustralian D omestic 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 42 8A ppendix B ANZ eG ate Merchant A dministration R esponse C odes Response Codes The test bank simulator is configured to allow the user to change the response received against the above test card numbers by varying the amount after the decimal point for the transaction The following table shows how the various response codes can be triggered varying the amount after the decimal point Transaction approved XXX 00 OSI Resp 1 Transaction could not be XXX 10 processed Transaction declined XXX 05 contact issuing bank No reply from Processing XXX 68 Host Cr pl Insufficient credit Error Communicating with Not Mapped Bank QSI Caused by Resp Transaction declined Not Mapped transaction type not supported Bank D eclined Transaction Not Mapped Do Not Contact Bank For example to obtain a response of 1 on a ANZ simply send a transaction for xxx 10 against one of the above ANZ numbers D evelopers should use these response codes in exception handling For further detail on the reason for decline the issuer response code should b
7. a single message transaction where the payment is finalized upon authorisation The cardholder s limit is adjusted immediately and the merchant will receive funds automatically e PRE AUTHORISATION is used in cases where the verification of a cardholder s funds is needed before the actual ddivery of the goods or services An authorisation is made to confirm the availability of funds by the card issuer and that amount is later captured by the merchant transferring the funds into the merchant account The authorisation and capture components of this type of transaction are handled in two separate message requests As amerchant you will be set up by the bank to perform in either one mode or the other not both Order administration is carried out in three steps 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 14 1 Order Search Allows you to arch for single or multiple transactions It is important to note that if more than one search criterion is entered only transactions that match all those search fields will be retumed For example if you enter the transaction number of a known failed transaction as one search criterion and enter transaction success as successful as another no transaction will be retumed The search results have to match all the criteria entered You must also ensure that the transaction required is w
8. but also to delete and modify existing ones It is advised that only supervisors have this privilege or a select few to avoid misuse of its function For a description of each function please see the Privilege section below One privilege to note is Advanced Merchant Administration see screenshot below as Payment Client directly O nce this has been selected for an operator they will not be able to log into Merchant Administration via a web browser All operators wishing to log into the MA portal to enter manual transactions or complete administrative tasks should nd enable this privilege 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 7 e perte n vest terere creed internet adorer crowned E EE le e Hut DAD Geen ees Gem UI ve 28 Uu ZE A ea T a Cc EE inum dl D Qn EE D en 8 D n T CD A MA diem ze ue t Administration Operator Details De Un vm foree aom them mmt D Figure 7 Advanced Merchant Administration privilege which should not be enabled for MA portal operators Once all fields have been completed or checked click the Submit button and a screen will be generated confirming the success of creating the new operator This process should be completed for each operator that is to be configured on the system O perator profiles can be edited and deleted by clicking
9. failed transaction as one search criterion and enter transaction success as successful as another no transaction will be retumed The search results have to match all the criteria entered You must also ensure that the transaction required is within the date range specified 2 Financial Transaction List Lists the individual transactions retuned by the search 3 Financial Transaction Details Shows the details and history of an individual transaction Financial Transaction Search 1 Click the Search tab to be presented with the transactions menu 2 Select the Financial Transaction Search from the menu on the left side of the browser 3 Enterthe required search parameters see Figure 15 Entering more than one search option will return transactions that match all the search criteria 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 22 m I eee r 71 or dra a tcm mS s zs 3 tramm a 3 eee tnt Mantes de mutes m tmh teet n Te es osent Dante dome med 60i Lich unen Saoer Meme Ht ade hi eth ME Iud te c Jante bte cinan aux um aa le ture RE Le 4 Figure 15 Financial Transaction Search To select all transactions you can clear the From field in the date range and all transactions up to the current date will be selected 4 Click the Submit button and the Financial Transa
10. for goods or services A financial transaction refers to all transactions the original order and all subsequent actions i e voids or refunds See the Transactions section on page 15 e How do search for a transaction If you are searching for the original purchase transaction see the O rder section on page 14 If you are looking for a financial transaction i e refund completion see the Financial Transactions section on page 24 If you are searching for an authentication transaction i e ANZ SecureCode or Verified by Visa see the Payment Authentications section on page 29 2006 Australia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 ix Australia and New Zealand Banking Group Limited How do search for transactions belonging to a particular ba ch A batch is a group of transactions that are awaiting settlement with the Acquiring bank If you are looking for a transaction within a particular batch you will need the batch number that the transaction was in to enter into the search field See the Financial Transactions section on page 24 Y ou can also search for transactions by transaction type transaction number and by payment method e How dol find a failed transaction All transactions can be searched for by Transactions Success failed successful Additional criteria can be used to narrow down your search To find a failed transaction s
11. for protection against cardholder unauthorized chargebacks Merchant A retailer or any other person firm or corporation that pursuant to a merchant agreement agrees to accept credit cards Merchants can only operate on ANZ eGate if they have signed agreements with ANZ Merchant Administration An internet web browser based portal which allows merchants to monitor and manage their online processing It also provides access to administrative functions on payments ANZ eGate See ANZ Internet G ateway Service MOTO See Mail Order Telephone Order Payment Authentication A process whereby the cardholder authenticates their identity with the issuing bank during the online transaction process This is made possible by a ANZ SecureCode or Verified by Visa password which is requested upon each transaction a similar concept to the use of a Personal Identification Number PIN on Automatic Teller Machines ATMs Payment Client A back end processing tool integrated into the merchant s website which allows the real time sending of secure transactions digital orders to ANZ eGate and the receipt of transaction results digital receipts Payment Server 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 40 The ANZ eGate payment gateway service hosted by ANZ International which provides an interface into the authorisation and authen
12. from the cardholder Cardholder The customer to whom a card has been issued or the individual authorized to use the card This is the customer of the merchant or purchasing goods on behalf of the customer Issuer The issuer is the bank or institution which issues the card to the cardholder In ANZ eGate the issuer or their agent decides on approval or decline of a cardholder request for payment of goods or services from the merchant If a transaction is declined by the issuer the cardholder generally needs to contact their issuing bank 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 39 Mail Order Telephone Order MO TO A generic term referring to any Card Not Present transaction When the cardholder s card is not present the merchant may be allowed to accept the card details from the cardholder by mail or telephone In this type of transaction the merchant collects the card details and supplies all of this information to ANZ eG ate in the request ANZ Intemet Gateway Service AN Z eGate ANZ Internet Gateway Service is the trademark name for the ANZ eG de Intemet Payment Gateway front end Mastercode SecureC ode ANZ SecureCode is a program designed to provide online retailers the added security of having issuing banks authenticate their ANZ SecureCode enabled cardholders and qualify their online transactions
13. in two steps 1 Gateway Report Search Allows you to search for transactions within a specific time frame and choose the time interval for each report 2 Gateway Report List Lists the information generated as determined by the search criteria entered Merchant Reports 1 Click the Reports tab from the main menu Once presented with the Reports menu on the left side of the browser select Gateway Reports The search page will be displayed see below Figure 25 Merchant Reports 2 Enter the dates of the transactions that you wish to include in the report Clearing the From field will select all transactions up to the current date 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 35 3 Choose the time interval that you wish the transaction reports to be displayed in The four options available are daily weekly monthly or yearly each row of data will represent the counts and sums of the transactions for that time interval i e one row per day week month or year 4 Depending on your setup you may be able to choose an Acquirer to view data related to a specific card type If this does not apply leave the default value of All 5 Click Submit to generate the G ateway Report as shown below Figure 26 Merchant daily Report The merchant reports detail the same information regardles
14. menu 2 Select Create Order from the menu on the left side of the browser and the following screen will be displayed nut a Ll O 32 Ge tee jte J YW UT agan qi voies pap wt mmt rd m amenant en LLLL J ao ln I Figure 21 Card Transaction 3 Enterthe transaction details the fields marked with an asterisk are mandatory fields and must be completed Enter the amount card number card expiry and card security code if applicable All other fields are for administrative purposes and therefore may be left blank or completed according to merchant requirements 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 31 e Order Reference A reference assigned to a transaction by the merchant e Amount The total value of the transaction e Cardholder Name An optional field to enter the cardholder s name e Card No The card number to be used for the transaction e Card Expiry The expiry date of the card being used e Card Security Code CSC Although not a mandatory field it is important to populate this field The CSC is found on the back of the card using the last three digits that appear If the code is entered correctly the merchant then has protection against chargeback under certain conditions There may be the option to check the No CSC Printed On Card option if the CSC is
15. on the appropriate link The Administrator operator account cannot be deleted Privileges The privileges set can differ between operators and should be tailored to each user according to their function within MA The privileges available to all users are listed below with a brief description of what they allow the operator to do Security Privileges e Operator Locked Out This will be automatically enabled if the operator repeatedly fails to enter the correct login details This can also be checked to temporarily suspend an operator user An operator has 5 attempts to enter their password correctly before being locked out of the system e Change Their Own Password Allows an operator the ability to change their own password if necessary without having to rely on a supervisor e Must Change Password At N ext Login If enabled this will force the operator to change their password when they next login This should be checked for all new operators for security reasons 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 8 N B All operators will be prompted to change their user passwords every 90 days regardless of the privileges enabled here Transactions e Perform MOTO Transactions This privilege allows an operator to enter manual transactions within the MA portal on behalf of the cardholder e Perform Refunds If checked a
16. purchase amount Both the original and refund amounts will appear on the cardholder s statement Enter the amount to be refunded in the Refund field and click the Refund button The refreshed details page will not display an Action section following a refund as no more actions can be preformed The refunded amount will appear in the O rder D etail section 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 20 History The History section on this page details the information of the financial transactions associated with the original order The following is displayed Response Code The response code for the transaction with a brief description Date The date and time of the transaction within the merchant s time zone Transaction Type Indicates the type of transaction performed including Purchase Capture Refund The actions available depend on your merchant configuration as determined by your bank Amount The total value of the transaction Operator Identifies the operator who initiated the transaction This will appear blank if the cardholder initiated the original transaction themselves via the website Transaction ID The unique number assigned by ANZ eGate for the financial transaction You can click on this number to view the financial transaction details for further information see Page 27
17. 234 6 3 format for example 654321xxxxxxx123 The full card number is displayed The card number is not displayed e Card Expiry The expiry date of the card used in the transaction in mm yy format Your bank may elect not to display the expiry date Action The Action section in the Order Details page allows an operator with the required privileges to perform actions against the original transaction These include Capture Allows an operator to capture any amount up to the full authorized capture amount A smaller amount may also be captured leaving an outstanding amount to be captured at a later stage When an amount has been entered click the Capture button Capture Completed If you do not expect to completely capture an outstanding authorized amount you can mark the transaction as Capture Completed thereby removing it from the Action list Click the Capture Completed button Capture Not Completed If an outstanding amount has been marked as Capture Completed its status can be changed to re activate the remaining funds if they are then expected to be captured Click the Capture not Completed button The refreshed details page is displayed showing the new capture amount The Capture fields will only appear if the merchant is configured with an Authorisation Capture mode of processing as opposed to Purchase Refund Allows an operator to refund any given amount up to the total
18. List Click on the link under the Create an O perator heading This will take you into the O perator Detail screen where the new user s details must be entered see Figure 6 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 perm Oper eter Get ERES E ls Esai ud provided by ANZ f Uh se faete Io tb week 223 Qe Grote RE nt Change Password Al west Lagan 3303 IE li Owe EE Lo Figure 6 Operator Detail Complete all the required fields entering a password that you will later give to that operator The password validity should be set to Must change their password at next login allowing the operator to choose a password they will remember and for security reasons Passwords should be a minimum of eight characters with at least one non alpha character and not including the external operator id All operators will be prompted to change their user password every 90 days There is an additional field in this section Operator Locked Out which will be displayed when the operator has been locked out due to repeated login failure or a supervisor Administrator suspends the operator s privileges The operator s privileges must then be set taking care to set only those that are required by that particular user For example O perator Administration privileges allow those operators to create new users
19. Merchant Transaction Reference This shows the merchant transaction reference entered for the order Transaction Source Refers to the origin of the financial transaction for example MOTO Intemet Card Present etc 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 21 Financial Transactions The Financial Transaction section of Merchant A dministration provides you with detailed information for each transaction You cannot perform any actions in this section Financial transactions are classified as subsequent or administrative actions that are performed against the original order i e refunds Financial transactions Search is important as it allows you to search by settlement date so you can use it to generate a complete list of approved transactions for a settlement date period settlement date is Batch No in YYYYMMDD format when searching by settlement date bear in mind the from date should be the day before so youc an pick up transactions post settlement on this date Financial transaction administration is carried out in three stages 1 Financial Transaction Search Allows you to search for single or multiple transactions It is important to note that if more than one search criterion is entered only transactions that match all those search fields will be retumed For example if you enter the transaction number of a known
20. NZ Vision Plus or AMEX Diners if the Merchant accepts these card types Advanced Merchant Administration A special privilege which can be granted to aANZ eGate Merchant Administration user allowing a merchant to perform administrative functions such as captures refunds and voids via their host system as an alternative to performing these functions via the Merchant Administration Portal Authorisation The process of a transaction by or on behalf of the cardholder s bank the issue according to defined operations regulations ANZ eG ate will return the response to the authorisation request to indicate approval or reason for decline Batch A batch refers to the grouping of transactions by ANZ eG ate into payment groups ANZ eG ate stops each days processing batch at a set time opening a new batch for the next day s transactions It should be noted that the cut over time of the batch may not be in line with the merchant s business hours Contact your bank for details of the cut over time Batch No is equivalent to settlement date in YYYYMMDD format ie no slashes Capture Transaction A capture is only relevant to merchants who perform split Authorisation Capture combinations Most merchants will not use this function as capture of funds will be performed automatically with a cardholder s authorisation on ANZ eG ate If Authorisation Capture is used a separate request by the merchant is performed to capture the funds
21. al Related Information The following documents and resources provide information related to the subjects discussed in this manual e ANZ Gate M edant Produc Guide e ANZ Gate Payment Client Integration G uide e ANZ GateV irtual Payment Client G uide 2006 Australia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 vi Australia and New Zealand Banking Group Limited Table of Contents USING THIS MAN UA L iiiicictescscoccuzuisce cran cun oce Ru E ae ndun cc cascnuweeusteusteceusssueteyscssccuvacuscesseecdocecdeesss V inr M NIIS v OV VT VIEW ETE EE E PE v SUEDE E R d Related Information MERE d Quick Reference CR X ix Getting Started T ix TRANSACTIONS i Card Transactions hin ATTN TROD UC TION sissies ccc conor 0 cc ctuzozcciosoUt mane cu qs a Ge cuve DeC ckad sc ciui aC ck au dnx ex ua nCr E enter oe anne sen NE e Ea tes tue 1 Administrati RR 2 28b D OL SRE Re SRE E PRE DI MTM IL SR ele ER 4 Imnnugtm 4 Creating N ew O perators Privileges erinnern p
22. al D etails Page will be displayed Financial Transaction Details The D etails page displays comprehensive information for each financial transaction and provides a direct link to view the details of the associated O rder transaction Actions can only be performed in the Order Details section see Figure 14 les tee D om Figure 17 Financial Transaction Details 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 24 The information is detailed in a single Financial Transaction D etails section and displays the following fields Acquirer ID Identifying the acquirer that processed the transaction ANZ Vision Plus for Bank Settled cards could also be ANZ Diners or ANZ AMEX if the Merchant accepts these cards Transaction ID A unique number assigned by ANZ eGate to that particular transaction Merchant Transaction Reference A unique merchant specific identifier used in Payment Client or Virtual Payment Client transactions Date The date and time of the transaction within the merchant s time zone Transaction Type Details the particular type of action that was performed for example capture or refund Payment Method Identifies the type of payment processed i e credit or debit Only credit is supported by ANZ eGate at this time Amount The total value of the transaction Order ID A uniqu
23. atedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 11 LI d 5 Figure 10 Change Password Operators with O perator Administration privileges have the ability to change the passwords of other operators Locked out Users When logging into Merchant A dministration you have five attempts to enter your password correctly before your user account will be disabled If you login incorrectly there will be an error message asking you to check your credentials If you repeatedly enter the incorrect login details after five attempts you will be locked out and get the following error message 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 12 Logout nee 5 ommu Figure 11 Repeat Login Failure Error Message If this happens you must contact your Administrator or Supervisor someone who has the O perator Administration privileges who will be able to reset your account The existing password will still be valid To log out at any time simply click the Logout tab and you will automatically be logged out of Merchant Administration The merchant login screen will be displayed You must always log out after using the Merchant Administration portal without doing this an unauthorized user would have the ability to use the back button and re ent
24. bank approving or declining an authorization transaction request The format of authorisation codes vary from bank to bank e Merchant Transaction Source The source of the transaction as selected by the merchant The different options are Internet MOTO Mail Order Telephone Order Call Centre Card Present These are only shown if the merchant is configured with the appropriate privilege on setup e Merchant Transaction Frequency The subtype of the transaction as selected by the merchant The different options are Single and Recurring These are only show if the merchant is configured with the appropriate privilege on setup e Response Code The response code for the transaction with a brief description Address Verification D etails e Card HolderN ame Shows the name of the cardholder involved in the transaction if entered at the time of the order e Country Shows the country of the cardholder s billing address Card Details This section details the following information e Card Type The type of card used for the transaction for example Mastercard Visa American Express e Card Number The number of the card used in the transaction Depending on your profile the format used for displaying card numbers is one of the following 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 19 0 4 format for example xxxxxxxxxxxx1
25. ction List will be displayed showing all transactions that matched the search criteria entered See Figure 16 pe DT pe dont D d 3 De ase dm e c 3 d tese A rene mma tai momies m nm mater i reme oque ram ee Ve eim T aesti cn Owe So Figure 16 Financial Transaction List The transaction list details the following information e Acquirer ID Identifying the acquirer that processed the transaction ANZ Vision Plus for Bank Settled cards could also be ANZ Diners or ANZ AMEX if the Merchant accepts these cards 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 23 e Transaction ID A unique number assigned by ANZ eGate to that particular transaction e Merchant Transaction Reference A unique merchant specific identifier used in Virtual Payment Client transactions e Transaction Type Details the particular type of action that was performed eg purchase or refund e Amount The total value of the transaction e Date The date and time of the transaction within the merchant s time zone e Response Code The response code for the transaction with a brief description e Results Pages If there are more transactions that can be shown on a single page a link is displayed to take you to the next page To view the details of a particular transaction click on the Transaction ID and the Financi
26. e Issuer it will also be returned in the Verification Security Level above e 3D Secure PARes status Indicates the result of the cardholder authentication The available values are Y Yes N No A Attempted Authentication but failed For example the cardholder failed to enter their password correctly after three attempts U Undetermined The payment authentications system was unavailable at the time of the authentication e Time Taken seconds The total time taken in seconds for the authentication to be performed e Financial Transaction ID The number of the associated financial transaction Clicking on the actual number will take you to view the Financial Transaction D etails page See Financial Transactions section on page 24 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 30 H ow to perform manual entry card transactions Introduction The manual transaction entry capability within Merchant Administration allows you as the merchant to process transactions with a cardholder s details This can be used in instances of a customer purchasing goods or services via mail order or telephone order MO TO Card transactions are those where the customer provides their credit card details to an operator who then processes a transaction Performing a Card Transaction 1 Click the Orders tab to access the transaction
27. e checked See Issuer Response Code Mapping 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 43 The following table is a list of relevant returned response codes Please note that response codes may vary depending on your bank Transaction Declined No Reply from Bank Transaction Declined Expired Card Transaction Declined Insufficient funds Transaction Declined Error Communicating with Bank Payment Server Processing Error Typically caused by invalid input data such as an invalid credit card number Processing errors can also occur Transaction Declined Transaction Bank Declined Transaction Do not contact Bank TR LE bed estes Tansacion Fis Return foal espere Ff Secure AtotiatonFalod Card Security Code Failed Shopping Transaction Locked This indicates that there is another transaction taking place using the same shopping transaction number Cardholder is not enrolled in 3D Secure Authentication Only PR Transaction is Pending Retry Limits Exceeded Transaction Not Processed Duplicate Orderlnfo used This is only relevant for Payment Servers that enforce the uniqueness of this field Address Verification Failed 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 44 CSC Result Cod
28. e number assigned by ANZ eG ate to the original order transaction that is associated with this financial transaction Clicking on the actual number will take you to the Order Details page Batch N umber Batch No is the settlement date of the transaction in YYYYMMDD format this indicates which daily settlement credit to your account includes the proceeds of this transaction RRN Identifies the Reference Retrieval Number used to retrieve the original data which allows an Acquirer to uniquely identify a transactions that occurred on a particular day Response Code Indicates the response code from the bank s payment server The code is followed by an explanation in brackets for example 0 Approved Acquirer Response Code The response code from the card Issuer indicating the success or otherwise of the transaction 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 25 e Authorisation Code Identifies the code from the bank approving or denying an authorisation transaction request e Integration Type The method interfacing the ANZ eG ate server and the merchant s host application for example Merchant Administration or Virtual Payment Client e Transaction Source Refers to the origin of the financial transaction for example MOTO SSL VPC Virtual Payment Client through Advanced Merchant A dministration 2006 Mas
29. ee the Financial Transaction section on page 24 and select the search criteria for failed transactions e How do I perform refunds and voids You will be required to have the necessary privileges to perform both refunds and voids You need to find the original transaction and for a refund you can process multiple partial or full amounts A void is the cancellation of the previous action performed or last purchase The void amount is fixed and cannot be altered See the Order D etails section on page 18 e Why is the void option not always available A void is the cancellation of a transaction so that no funds are transferred the transaction will not appear on the cardholder s statement However voids can only be performed on transactions that have not yet been sent to the acquiring bank for settlement If this is the case then the void option for this particular transaction is no longer displayed Card Transactions e How do I perform card transactions on behalf of the customer A manually entered card transaction in ANZ eGate is referred to as MOTO To perform a MOTO transaction you will need the cardholder s details including card number expiry date CSC if applicable and all the details of the transaction i e order no merchant references etc if applicable See the Performing a Transaction section within the Orders chapter on page 34 Reports e How dol get a list of totals for a week s t
30. er the MA portal before your session has timed out All MA sessions will be automatically timed out after 15 minutes after last use 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 13 Searching for and viewing 3 Transactions The Search function within Merchant Administration allows you to view Orders Financial and Authentication Transactions In addition it allows you to complete captures and perform refunds and voids All these functions are subject to the privileges you have been given Orders refer to the original purchase transaction by the cardholder Financial Transactions refer to the original purchase transaction subsequent actions that are performed i e refunds or completions Payment Authentication Transactions refer to any transactions that are processed using authentication i e Verified by Visa or ANZ SecureCode Payment Authentications are detailed later in this chapter Each transaction within ANZ eGate is unique and entered differently Consequently transaction details pages may also differ and whilst certain information may be displayed for some transactions it may not be for others Orders Introduction Orders are payments received by the merchant usually as the result of the purchase of goods or services There are two types of orders e PURCHASE this is the most common type of transaction
31. erators link and the following page will appear 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 2 ner eoromeft Internet ap eres prove by AN7 fe UR ee Portes I ge weet e O 2 21 Qaem Que d v 3d Adhe ME Ne Lapet matercord com mulemsafmerchantOoe ation ANZ eGate ANZ Welcome te Merchant Administration Opero Urt Merchant Administration Operator List Cana aits Mangas Alertes Operates iss HHH redermars austshe ohi Sos Peslend Ranking Gesp Limited ANT 100 Queen feet Malone 3009 ABM 11 509 357 522 1996 2004 tnp me ati iin aat Sie Figure 2 Operator List B rer Figure 2 shows the list of operators Initially the Administrator account will be the only account Click on the Edit link to enter the Administrator profile Once here you will need to enter the operator s description and email address clicking the Submit button to update the details for this account All the available privileges are automatically enabled for the Administrator user and these are 1 being able to perform operator administration tasks and 2 being able to use the transaction search function Once the Administrator account has been configured accordingly the user should then create an alternative operator account for daily use as previously advised This allows the Administra
32. es The CSC result code in order of severity from highest M to lowest N are Code M Ci c N Description Exact code match Merchant indicated CSC is not present MOTO situation Card not processed Card issuer is not registered certified Code invalid not matched By default the Payment Server only accepts a transaction when the CSC result code retumed from the issuer is in the range of M to S D epending on the bank the merchant can nominate a new CSC card acceptance level range Response Code The response code is displayed followed by an explanation is brackets The following response codes may be returned Code 0 p gt c 1 O oc FB CO N Description Transaction Successful Unknown error Bank D eclined Transaction No reply from Bank Expired Card Insufficient Funds Emor Communicating with Bank Payment Server System Error Transaction Type Not Supported Bank D eclined Transaction Do not contact Bank Transaction Aborted 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 45 C Transaction Cancelled F Payment Authentication Failed I Card Security Code verification failed Shopping Transaction Locked please try the L transaction again later Cardholder is not enrolled in Cerified by Visa or N ANZ SecureCode Transaction has been received by the Payment P Adaptor and is being proces
33. he period selected Total This row indicates the grand total of each column as per the report selected If the reports include transactions up to the current date the total will represent the total numbers for all categories up to the current date or totals represented within the chosen date frame To print the report select the File option from the browser toolbar and select Print 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 37 6 Glossary This chapter defines various terms concepts acronyms and abbreviations used in this document These definitions appear for convenience only and are not to be used or otherwise relied on for any legal or technical purpose ANZ specifically reserves the right to amend any definition appearing herein and to interpret and apply all such definitions in its sole discretion as ANZ deems fit In addition the description of terms in this section are in the context of what they mean within the ANZ eGate service rather than any more generic meaning 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 38 Acquirer or Acquiring Bank The bank that maintains the merchant relationship and facilitates the processing of payments on behalf of the merchant This will be either ANZ shown as id A
34. he transaction go to the Order Details page see the Orders section in this manual If you are setup as a pre auth capture merchant you will see the option to Capture Now at this point see Figure 24 below CRT ET Oe aad a Figure 23 Capture N ow The Order response page allows you to capture funds immediately if desired 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 33 If you select this option ANZ eGate will direct you to the Order D etails screen to the Action section where you can perform the capture 1 m mG wwe Phcrosaft DIDIT Figure 24 Order Details page Allows you to immediately capture the funds from the Action section within the Order Details page 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 34 H ow to view daily weekly 5 Reports SR Introduction The Reports facility within Merchant Administration provides you with a search function to generate daily weekly monthly or yearly report summaries Reports include total counts and sums of transactions for the date range specified These reports are also printable from the browser screen Obtaining merchant reports is carried out
35. ield on the screen RARE HE E E N OS SLT RP pen di eve ter ee mere v mr Click on this icon for help in explaining the individual fields ainai Aesteshe end ass osiend Gabun mu Lente ant t h Quoas Sweet Malena M abe Lh SHO DOF DEE HERS pos dau L man sanaaa I D ir Figure 1 Help Icon Certain tabs and functions may not be available to you as a user depending upon the privileges that have been set for your account T herefore you may not see certain features that are documented in this manual Administrator The Administrator account within Merchant Administration is the top level account and the only one created on merchant setup by the bank This is not an operator account for daily use and only has the ability to search for transactions and perform operator administration tasks As such this account should be safeguarded as an operator administration manager s account only It is the only account within MA that is not removable and consequently provides the only access should all other accounts be disabled It should therefore be under the ownership of a Manager Supervisor To initially log on as the Administrator the bank will provide you with access details and you will automatically be granted the privileges as explained above O nce you have accessed the system click on the Admin tab at the top of the page There will be two options in the left hand menu select the O p
36. ithin the date range specified 2 Order List Lists the individual transactions retumed by the search 3 Order Details Shows the details and associated history of an individual transaction This section also allows you to perform transaction Actions refunds voids Order Search 1 Click the Search tab to be presented with the transactions menu 2 Select the Order Search from the menu on the left side of the browser 3 Enter the required search parameters see Figure 12 Entering more than one search option will return all transactions that match the search criteria The criteria are as follows gow D orm Figure 12 Order Search Where the appears hold the cursor over the icon and a field description will be displayed 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 15 To select all transactions you can clear the From field in the date range and all transactions up to the current date will be selected 4 Click the Search button and the Order List will be displayed showing all transactions that matched the search criteria entered See Figure 13 oe 5 om Figure 13 Order List The order list details the following information e Acquirer ID Identifying the acquirer that processed the transaction ANZ Vision Plus for Bank Settled cards could also be ANZ Di
37. n operator may process a refund the transfer of funds from the merchant back to the cardholder Merchant Maintenance e Modify The Merchant Configuration If checked this allows the operator to edit the merchant configuration details These details are preset by the bank and should not need changing Please contact your bank should these details need amending e Perform Operator Administration This privilege allows an operator to perform administrative tasks within MA including creating and deleting other operator accounts Therefore it should only be given to supervisors managers or those with the authority to carry out such changes General e Perform Actions With A Supervisor s Password This privilege allows an operator to perform actions that they are not normally permitted to carry out but only with a supervisor s password So if an operator without the privilege attempts to perform a refund a box requesting a supervisor s password will appear Only if this is entered correctly will the refund be processed In this case a supervisor is any user who has the necessary privileges for these actions It is this user s name that is recorded against the action e View Report Pages Allows the operator access to view the merchant report pages They can be viewed in either a daily weekly monthly or yearly format Importantly these will match the daily settlements to the Merchants bank account e Enable Advanced Merchant Adminis
38. ners or ANZ AMEX if the Merchant accepts these cards e Order ID A unique number assigned by ANZ eG ate for that particular transaction e Order Reference The merchant s unique identifier for each shopping transaction e Amount The total amount of the transaction e Date The date and time of the transaction within the merchant s time zone e Response Code Shows the order response code with a description of the Issuer s response e Status Shows a quick reference reflecting the state of the transaction e g failed authorised captured completed 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 16 Result Pages If there are more transactions that can be shown on a single page a link is displayed to take you to the next page To view the details of a particular transaction click on the Order ID and the Order Details page will be displayed Order Details The Order D etails page displays specific details of a particular transaction including card details This section also allows you to perform certain actions against that transaction for example a refund This page is divided into the following sections Order Detail Address Verification D etails Card D etails Action History 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Adminis
39. not available to enter If you have any concerns with this please contact your bank e Airline Ticket Number Despite its name this is a generic reference field for the merchant to populate for administrative purposes e Merchant Transaction Source The source of the transaction as selected by the merchant The different options are Internet MOTO Mail Order Telephone Order Call Centre Card Present These are only shown if the merchant is configured with the appropriate privilege on setup e Transaction Frequency The subtype of the transaction as selected by the merchant The different options are Single Recurring These are only show if the merchant is configured with the appropriate 4 Once you have checked the details are correct click the Submit button If you realize that the details have been entered incorrectly click the Reset To D efault Values button to clear the fields and start again 5 A Create Order Response page will be displayed confirming the success of the transaction If the transaction failed an error page will be displayed An example is shown below 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 32 etat saree ond tae Desi ud bonbons ders Lente MEET LOD Queen Peet Hulu HOG MB LL OOD MNT MIU RI o FOO ANR dm ariana Figure 22 Card Transaction Response For full details of t
40. nt is disabled 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 4 After changing your password or just entering the system you will be presented with the Welcome Screen see Figure 4 Menu Options Figure 4 Merchant Administration Welcome From here you will see the main menu a set of tabs across the top of the browser screen The options displayed as stated earlier are dependent upon your privileges as a user The screen shot above Figure 4 shows all menu options displayed as tabs along the top of the browser screen From this point you can now enter the various functions of Merchant Administration that are available to you Creating N ew Operators To create new operators on the system select the Admin tab from the main menu Click on the Operators link from the menu options of the left hand side The Operator List will display a register of all operator accounts enabled on the system see Figure 5 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 5 Memes e ANZ eGate ANZ hais enm ha Mac diet Ans sas etr m Teter at Reet ee and See Ceseni Racers deest Love AMT 109 Quest Prest Menere 1009 ARM LE COT TET DIS 1999 D909 Ala seme ane cti a Figure 5 Operator
41. on User Manual e January 2007 10 Virtual Payment Client e Secure Hash Secret 1 Allows you to add another Secure Hash Secret value if desired e 3Party Retum URL This allows you to enter the default return web address where the cardholder is directed back to on completion of the transaction if this is not included in the transaction message Payment Client e Client 3 Party Retum URL This allows to enter the default retum web address where the cardholder is directed back to on completion of the transaction if this is not included in the transaction message Click the Submit button or the Cancel button to either save or revoke any changes made Once final changes have been made click the Submit button After confirming that the changes have been saved you will be directed back to the details page Figure 8 Change Password To change your own password click on the Change Password link from the menu on the left side of the browser Simply enter the old password and then enter the new password and repeat to confirm see Figure 10 Please note that when choosing a new password you may not enter any of the previous 5 passwords used for this particular operator account Click the Submit button to process the change A confirmation screen will be displayed This function will only be available to you if you have the selected privilege set in your operator profile 2006 MasterCard International Incorpor
42. ons directly against the ANZ eG ate live transaction processing system This profile is only activated once testing has been deemed sufficient by the bank The ANZ eGate Virtual Payment Client a piece of clientless software provided by the bank is required to provide the interface between the AN Z eGate Payment Server and your merchant Shop amp Buy application For more information on the Virtual Payment Client VPC please ask your bank for the AN Z eGate Virtual Payment Client Integration Guide There are two methods by which to manage merchant transactions e Merchant Administration using a web browser interface to interactively perform purchases refunds voids transaction searches and setup processes These functions only are detailed in this manual e Advanced Merchant Administration AMA using the Virtual Payment Client to interactively perform administrative functions directly from your host application for example refunds For more information on Advanced Merchant Administration and how to integrate it with your software application please refer to the Virtual Payment Client Guide 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 1 At any time when using the Merchant Administration facility you can click on the icon as it appears and it will display a window giving an explanation of that particular f
43. or Verification Security Level The Verification Security Level field shows the Visa ECI or ANZ SLI value sent in the authorisation message It is shown for all transactions except those with authentication status Failure ANZ SecureCode Values Description 1 Cardholder Not Participating 2 Cardholder Authenticated Verified by Visa Values Description 05 Fully Authenticated 06 Not Authenticated cardholder not participating Not Authenticated usually due to a system problem or 07 invalid password The actual value used may differ for some banks 9D Secure VE Res enrolled This value indicates whether or not the card used was enrolled for 3 D Secure at the time of the transaction The available values are Value Description Y Yes 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 47 3D Secure XID No Undetermined For example the payments authentications system was unavailable at the time of authentication A unique transaction identifier generated to identify the 3 D Secure transaction 3D Secure ECI The 3 D Secure Electronic Commerce Indicator ECI as returned from the Issuer in response to an authentication request This field is informational only for diagnostic purposes and does not represent the ECI value sent to the bank when authorizing the transaction 3D Secure PARes status Indicates the result of
44. or each transaction e Amount The total amount of the transaction e Date The date and time of the transaction within the merchant s time zone e Response Code Shows a general description of the authentication transaction result 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 28 e Results Pages If there are more transactions that can be shown on a single page a link is displayed to take you to the next page To view the details of a particular transaction click on the Authentication ID and the details page will be displayed Payment Authentication Details This page allows you to view the detailed information displayed for the selected authentication transaction and includes the following fields Figure 20 Payment Authentication Details e Authentication ID A unique number assigned by ANZ eG ate for that particular authentication transaction e Date The date and time of the transaction within the merchant s time zone e Order Reference The merchant s unique identifier for each payment authentication transaction e Card Number Displays the card number used in the transaction The card number will be displayed according to the format set by the bank D epending on your profile the format used for displaying card numbers is one of the following 0 4 format for example xxxxxxxxxxxx1234 6 3 format
45. ransactions Reports can be obtained on a daily weekly monthly or yearly basis and can also be selected by Acquirer See the Reports chapter on page38 to access daily weekly monthly or yearly transaction reports 2006 Australia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 X A n overview of M erchant 1 Introduction ANZ eGate Merchant Administration MA is an Internet based portal that allows merchants to monitor and manage their or line processing and administration of payments through a series of easy to use pages Merchant Administration can be accessed via an Intemet browser the appropriate URL will be provided by your bank To use Merchant Administration a merchant profile is required The profile is a record of merchant details and the permitted functionality that the merchant has within the MA portal all details are stored on the ANZ eGate Server Two types of merchant profile are created through the bank s enrolment process e TEST merchant profile this allows merchants within the test facility to perform transactions against an emulator of the bank s transaction processing system This profile will always exist for testing purposes To access this facility precede the merchant id with the word TEST ie MERCHANTO1 becomes TEST MERCHANTO1 e PRODUCTION merchant profile activates merchants within the production system allowing them to process transacti
46. s of the search criteria chosen including the following fields e Payment Method Indicates the type of payment used to process the transactions for example credit debit loyalty Only credit is currently supported by ANZ eGate at this time e Currency Identifies the currency in which the trarsactions are processed will be AUD or NZD e Date The date and time of the transaction within the merchant s time zone In the case of weekly monthly or yearly reports the date will represent transactions up to that date following on from the last report date e Acquirer Identifying the acquirer that processed the transaction ANZ Vision Plus for Bank Settled cards could also be ANZ Diners or ANZ AMEX if the Merchant accepts these cards 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 36 Merchant Shows the ANZ eGate Merchant ID associated with the report summary No of Transactions The number of transactions per report No of Settlements ANZ eGate does not currently support settlements so this column will always show a default value of zero Total Authorisations The number of pre authorisations in the period selected Total Captures The number of captures included in the period selected Total Purchases The number of approved purchases for the period selected Total Refunds The number of approvedrefunds for t
47. sactions retumed by the search 3 Payment Authentication Details Shows the details of the authentication transaction Payment Authentication Search 1 Click the Search tab to be presented with the transactions menu 2 Select the Payment Authentication Search from the menu on the left side of the browser 3 Enter the required search parameters see Figure 19 Entering more than one search option will return transactions that match all the search criteria chosen 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 27 Merchant Administration Payrnent Authentication Sear Figure 18 Payment Authentication Search To select all transactions you can clear the From field in the date range and all transactions up to the current date will be selected 4 Click the Submit button and the Payment Authentication List will be displayed showing all transactions that matched the search criteria entered See Figure 20 Figure 19 Payment Authentication List The transaction list details the following information e Authentication ID A unique number assigned by ANZ eG ate for that particular authentication transaction e Authentication Type Indicates whether the transaction was authenticated by either Verified by Visa Visa 3D Secure or ANZ SecureCode e Order No The merchant s unique identifier f
48. sed Transaction was not processed Reached limit or R retry attempts allowed T Address Verification Failed U Card Security Code Failed V Address Verification and Card Security Code Failed Transaction status is unknown Authentication Status An authentication 3 D Secure specific field that indicates the status of a payment authentication for example Code Description Success The cardholder was successfully Y authenticated Success The merchant has an arrangement with Visa to authenticate cardholders automatically O nly M Supported by Visa in the US Not Enrolled The cardholder is not enrolled N Failed Verification failed Undetermined The verification was unable to be completed This can be caused by network or system U failures Undetermined The cardholder session timed out and the cardholder s browser never retumed from the T Issuer site 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 46 Undetermined Authentication of you Visa Merchant A ID and Password to the Visa Directory Failed Undetermined Error communicating with the Visa D Directory Server C Undetermined Card brand not supported Failed The signature on the response received from the Issuer could not be validated This should be S considered a failure P Failed Error receiving input from Issuer I Failed Internal Err
49. terCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 26 Payment Authentications Selection What are Payment Authentications ANZ SecureCode and Verified by Visa were created to alleviate online security concems for both cardholders and merchants Essentially it verifies that the customer is the genuine owner of the card being used in the transaction For cardholders it provides added security as they are assured that the browser screen is legitimate and belongs to the merchant in question For the merchant it provides greater security against fraudulent chargeback claims as once the Issuer has authenticated the cardholder liability shifts from the merchant to the bank This is guaranteed when A The merchant is fully enabled for Verified by Visa and or ANZ SecureCode B The Issuer authenticated the cardholder using Verified by Visa and or ANZ SecureCode C Following cardholder authentication the Issuer authorizes the transaction and the merchant receives a response code from the acquirer confirming approval For more information on ANZ SecureCode or Verified by Visa please contact your bank Payment Authentications administration is carried out in three stages 1 Payment Authentication Search Allows you to search for single or multiple payment authentications 2 Payment Authentication List Lists the individual tran
50. the Logging In section on page 4 e How doI create additional operator accounts for access to Merchant Administration You need to have the Perform O perator Administration privilege in order to create new users onthe system If you have this privilege you will need the new operator s details including name position and the privileges that they are to be configured with See the Creating New O perators section on page 5 e What happens if I lock myself out of Merchant Administration You have three attempts to correctly enter your password into the MA login screen before your account is disabled If this happens you will need a Supervisor or Administrator someone with the Perform O perator A dministration privileges to enter the system and unlock your account The same password will be valid See the Locked out Users section on page 13 e Why can I not see all the functionality that is described here in this manual All operator accounts are created individually Some users may be set with different privileges to others depending on the purpose of their access to Merchant A dministration The privileges you have are normally set by your A dministrator Supervisor This manual describes the features of all functions within MA some that you as a user may not have TRANSACTIONS e In Merchant Administration what is the difference between an Order and Financial Transaction An Order is the original purchase transaction
51. the cardholder authentication The available values are Values Y N Description Yes No Attempted Authentication but failed For example the cardholder failed to enter their password after 3 attempts Undetermined The payment authentications system was unavailable at the time of the authentication 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 48
52. tication networks The Payment Server accepts incoming secure transactions from the Payment Client and processes transactions in real time Purchasing Transaction A purchase transaction is the most common of ANZ eG ate payments Transactions of this type both authorize the payment request via the Issuer and facilitate payment to the merchant via the Acquirer in one single message Refund A transfer of funds from the merchant back to the cardholder example usages are when goods are retumed or unable to be delivered On the ANZ eGate system refunds must be matched to a purchase capture transaction and must not exceed the original value of the transaction SSL Secure Socket Layer SSL developed by Netscape Communications Company is a standard that encrypts data between a Web Browser and a Web Server SSL does not specify what data is sent or encrypted In an SSL session all data sent is encrypted ANZ eGate only supports SSL connections of 128bit encryption from the cardholder or merchant browser Verified by Visa Verified by Visa is a program designed to provide online retailers the added security of having issuing banks authenticate their VbV enabled Visa cardholders and qualify their online transactions for protection against cardholder unauthorized chargebacks 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 41
53. tor account to be maintained as a supervisory account to perform administration tasks as necessary To create a new operator account see the guidelines in the New Operators section on page 5 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 3 H ow to start using el D Merchant A dministration Logging In To enter Merchant Administration you must have the URL your merchant id operator id and password All these details will be provided by your Supervisor or the bank if you hold the Administrator account ANZ eGate ANZ Meis emen 10 Meer hort Auton istration Va Gore Figure 3 Merchant Administration Login Figure 3 illustrates an example Merchant Administration login page and the required fields to be completed before entry into the system Once the supervisor bank has provided the details enter them into the related fields This will take you into the Merchant Administration system Y ou should be presented with a Change Password screen whereupon you will be required to enter a new password consisting of at least 8 characters including at least one numeric or punctuation character for example operato r01 and not including the external operator id within the password Passwords are case sensitive Please note that you only have 5 attempts to enter your password correctly before your operator accou
54. tration Features This privilege should not be enabled for those operators wishing to function through the Merchant Administration web portal The Advanced Merchant Administration feature is to allow merchants to automatically carry out certain actions directly through the ANZ eG ate software VPC for example to run a QueryD R search for a transaction If this privilege is enabled the operator will not be able to login to the MA web portal 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 9 Configuration Details From the menu on the left side of the browser screen click on Configuration D etails to edit Merchant Configuration See Figure 8 The merchant configuration details are preset by the bank and should not need editing Only the Administrator account needs this privilege and should any changes be needed the bank should be contacted first CCOEEE TETE EE CETTE EE TA ECTTET Consi es Dons EO PTE et 204 m Figure 8 Configuration Details Only limited fields can be edited Having checked the existing details click the Edit button Mwechuwit Ackmewesteataon Cantique ation Detade Figure 9 The Configuration Detail Edit Page You can amend the following fields 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administrati
55. tration User Manual January 2007 17 Tries ctiam Doerater Trem section Tree Source Merchont mowa Tries ID Trans action ID rem vero Figure 14 Order Details Order Details The Order Details section documents general information about the shopping transaction including the following e Acquirer ID Identifying the acquirer that processed the transaction ANZ Vision Plus for Bank Settled cards could also be ANZ Diners or ANZ AMEX if the Merchant accepts these cards e Order ID The unique number assigned by ANZ eGate for the order transaction e Date The date and time of the transaction within the merchant s time zone e Order Reference May contain the merchant s unique identifier for each transaction if entered at the point of transaction e Ticket Number This will show the reference entered by the merchant in the Airline Ticket Number field if populated at the time of the order This is a generic reference field for the merchant 2006 MasterCard International Incorporatedustralia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual January 2007 18 e Amount The total amount of the transaction e Authorised Amount The total amount authorized by the Issuer e Captured Amount The total amount captured by the merchant e Refunded Amount The total amount that has been refunded against the order e Authorisation Code The authorisation code from the
56. ual please contact the Customer O perations Services team or your regional help desk Please refer to Using this Manual for more contact information ANZ is Listening Please take a moment to provide us with your feedback about the material and usefulness of the ANZ eGate M chant A dministration U ser M anual using the following e mail address anzegate anz com Australian ANZ eG ate Help D esk team is eftpos co nz NZ ANZ eGate Help D esk team We continually strive to improve our publications Y our input will help us accomplish our goal of providing you with the information you need 2006 Australia and New Zealand Banking Group Limited ANZ eGate Merchant Administration User Manual e January 2007 iv Australia and New Zealand Banking Group Limited T his chapter contains Sl 1S d d information that helps you understand and use this Purpose document The ANZ eGate Merchant A dministration U ser M anual helps to provide merchant personnel with a wide understanding of the Merchant Administration facility of the ANZ eGate Gateway Service and its functionality Audience ANZ provides this manual for merchants and their authorized agents Specifically the following personnel should find this manual useful Overview Merchant business owners Merchant administration personnel The following table provides an overview of this manual Chapter Table of Contents Using this Manual 1 Introduction
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