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Merchant Console User Manual

1. Q What do need to do in order to accept eChecks A In order to accept eChecks you need to have an eCheck account You can set one up directly with our check processing platform or contact your sales rep and they can help you set one up Merchant Console User Guide 100 SECTION 24 Commonly Asked Questions and Answers Cont Q Does the gateway support Retail Swiped transactions as well as Mail Order eCommerce A Yes the system does allow retail transaction to be passed into the gateway along with mag data to receive retail rates with your merchant bank Q Who would I call about questions regarding my monthly merchant statement A You would have to call your merchant service bank s customer service number which is usually located somewhere on your statement Q How do I know if a sale credit has closed successfully A You can tell if a sale credit has been officially full processed if the Status of the transaction within its Details says Settled This means it has been successfully sent to your merchant service bank Q When do recurring billing transactions run A The transactions for the credit cards in recurring billing run on the Next Date day at 11 50pm Pacific Standard Time Q What does it mean if the person is highlighted in Orange in Recurring Billing A This means the card has been declined for some reason and the system will retry it tonight again at 11 50pm PST Q How many times does the system r
2. validation payment processing via traditional credit card payment processors and generation of elec tronic receipts Fulfillment may be made of electronic goods or physical goods See also electronic com merce Commercial Card Commercial cards are the broad definition of a special class of credit or bank card They differ from con Sumer cards in that they frequently offer Level 3 level III line item detail information and special usage controls to the corporate or governmental user Another frequently used term is corporate card Commercial Cards A general name for cards typically issued for business use and may include Corporate Cards Purchase Cards Business Cards Travel and Entertainment Cards Cookie A small amount of information stored on a client computer by a Web site that is sent back to the site each time the user visits it The use of cookies to maintain persistent client side state information signif icantly extends the capabilities of Web based client server applications Corporate Card Corporate cards are essentially the same as commercial cards The broad definition encompasses specific types of card programs such as travel cards fleet cards and purchasing cards or purchase cards or procards Corporate Procurement Card Corporate procurement cards are one type of corporate card They are typically issued to individuals that have the authority to make purchases on behalf of their organization The cards are
3. 00027 Gateway temporarily offline Please try again shortly 2 Error communicating with the processing backend Retry transaction 00028 Unable to verify source VerifySource couldn t find the source or the source was disabled 00029 Unable to generate security key VerifySource wasn t able to create a source on the fly Trouble finding a key 00030 Source has been blocked from processing transactions Merchant has disabled the specified source key 00031 Duplicate transaction wait atleast minutes minutes before trying again The duplicate transaction fraud module detected a dupe 00032 The maximum order amount is amount Fraud module response 00033 The minimum order amount ts amount Fraud module response 00034 Your billing information does not match your credit card Please check with your bank AVS Response fraud module blocked this transaction Merchant Console User Guide 87 SECTION 21 ERROR CODES Cont 00035 Unable to locate transaction Was not able to find the requested transaction for voiding 00036 Gateway temporarily offline for maintenance Please try again in a few minutes VeriCheck link has been brought down for maintenance Retry transac tion 00037 Customer Name not submitted Cardholder field was blank 00038 Invalid Routing Number Check Routing number did not meet requirement of 9 digits 00039 Invalid Checking Account Number Check Account number is not atleast 4 digits long 000
4. E E FR F B A W N E A Declines Heeagntwae Se amp amp W m m E E E E E uiae E E E E E E E E E E E E Ue Optional 2 Recommended Mandatory Merchant Console User Guide 44 SECTION 13 REPORTS Cont CUSTOM REPORTS Custom Reports allow the merchant to create custom tailored specific reports Unlike the Pre made reports custom reports have to be made from scratch Mostly any kind of report with the exact informa tion fields and transactions totals can be generated within custom reports CREATE CUSTOM REPORT Click on the Create Report An Edit Report such as the one on the right will be displayed This is where all the selections for a customized report will take place The Reports Menu is broken down into four 4 categories Filter Transactions Select Fields Choose Sort Order and Enter Report Title Step 1 FILTER TRANSACTION Transaction Types There are two 2 types of transactions Sales and Credits Check the proper box s to select what type of transactions to be displayed in the report Edit Report Reports Menu Step 1 Filter Transactions Transaction Types Sales MV Auth Only Shown in Queued Transactions Screen V Pending Shown in a Open Batch V Settled Shown in a Closed Batch F voided Credits MV Pending Shown in a Open Batch V Settled Shown in a Closed Batch voided Transaction Result V Approvals l Declines Errors Fi
5. SECTION 17 SETTINGS Source Keys Cont CUSTOM TEMPLATE Payment Form To customize the payment form template lt meta Http equiv Content Language content en us simply click on the Customize ePay ce content text html charset windows r ctitle U054 ePay Demo Wireless lt title gt Form Beta leap button and a lt head gt lt hody link 000080 vlink 000080 alink 000080 text 000000 Source Editor will be displayed In the aise ease Can Custom Template modify code as need lt form name epayform action UNformURL method POST onsSubmit document cpaytorm submithutton value Please Wait Processessing gt ed type hidden nanme UMNsubmit vyalue 1 gt type hidden name UMNkey vyalue UMNkey gt type hidden name UMNredirbeclined vyalue UNredirbeclined gt type hidden name UMNredira pproved vyalue UNredirapprovedy gt type hidden name UMindsShash value UMmdShash gt PAYMENT FORM SETTI NGS Transaction Result Click on the drop down box to select on of two 2 transaction result options Redirect pman Result Display Result amp Approved URL Customer to URL GET or Display Result and POST to peclined urL URL Recommended Homepage URL Payment Form Settings Redirect Customer to URL GET Redirects the cus tomer to a specific URL depending on the transaction Display Res
6. Visa V Diners Master Card JCB American Express E Check Discover needed for Client Side API his template is displayed to the customer if UMredirApproved is set but UMredirDeclined is not There is no restriction on length The template must be in html ormat reason will be replaced with a text description of the error l Optional 2 Recommended 3 Mandatory Merchant Console User Guide 56 SECTION 17 SETTINGS Source Keys Cont Payment Form Template Form Title 1 USA ePay Demo Wireless PAYMENT FORM TEMPLATES 2 Page Background E J D4D7E4 Links Color EET 6 Form Titl 1 Enter a company name that will 3 leader Background P 9999FF Header Text Color __ FFFFFF 7 be displayed in the header of the form template 4 Section Header E cacrp4 Form Background FoFoFo 8 Custom Color s 2 8 Enter the desired Hex color code to change from default color scheme to a custom color scheme A color preview is located next to each Hex color code text box To preview save the color settings click the Apply C Apply O button To save the new color scheme click the Save C Save O button To view preview the payment form template click the Preview ePay Form Sa LTE button A tem b plate similar to the one on the right will be displayed Order Summary The order summary information is passed directly into the form and cannot be e
7. As Uploads Manager Import Another File Import Saved Your field mappings have been saved Next time you import this file you can select this mapping from the list If you change the layout of your file you will have to create a new Import Uploads Manager Import Another File fa Optional 2 Recommended 3 Mandatory Merchant Console User Guide 3 SECTION 12 UPLOAD BATCH Cont I MPORT FILTER Import filter is a list of previously save batch upload Map Field templates Upload New Batch Merchant Console User Manual Step 1 Choose File The first step in importing your transactions is to select the file you would like to import It is recommended that you use a comma seperated text format for importing If you have already setup an Ste 1 import filter you can save time by selecting it from the list below p n Please note if you are using Excel to create your batch field make sure to set the cell format of the ccnum colum to text before entering Click on the g mport Filter drop down numbers Switching the format after entering cardnumbers could corrupt numbers File to Upload Browse Import Filter Mew Import gt Continue to proceed with batch upload Continue menu and select a template Click NOTE By selecting a template Map Field selection windows will be bypassed NOTE When uploading a batch through the Batch Upload if a transaction with the same Dup
8. E gt Merchant Console User Manual INDEX 1 SECTION SECTION SECTION 1 2 3 SECTION 4 SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION 8 9 Logging into USAePay Merchant Console Sale vTerminal Credit vTerminal Void vTerminal Auth Only vTerminal Post Auth vTerminal Quick Sale Recurring Billing Batches Batch Summary Charts Queued Transaction Upload Batch Reports Search Settings Users Source Key Change Password Fraud Center Stopper Glossary Error Codes AVS Codes CVV2 CVS Codes Commonly Asked Questions And Answers Merchant Console User Guide Page 1 Page 3 Page 4 Page 5 Page 6 Page Page 8 Page 9 Page 16 Page 30 Page 33 Page 35 Page 39 Page 48 Page 51 Page 52 Page 55 Page 60 Page 61 Page 66 Page 85 Page 95 Page 96 Page 97 INDEX 2 SECTION 1 SECTION 2 SECTION 3 SECTION 4 SECTION 5 SECTION 6 SECTION 7 SECTION 8 Logging into USAePay Merchant Console USAePay website Entering username and password Sale vTerminal Entering credit card information Required fields Credit vTerminal Entering credit card information Required fields Void vTerminal Entering credit card information Required fields Auth Only vTerminal Entering credit card informat
9. Heruer Card Expirati Date hh To select a form of payment pat oa ae Card ID C 2 CID Number check the box next to the card What is the Gard 1D type DECLINED TEMPLATES Declined Template Only needed for Client Side API his template is displayed to the customer if UMredir4pproved is set but This template is displayed to the customer if ee on ene a UMredirApproved is set but UMredirDeclined is not There is no restriction on length The template must be in html format reason will be replaced with a text description of the error SSL CLIENT CERTIFICATE Optional If the SSL Client Certificate is available simply SSL Client Certificate Optional paste it into the SSL Certificate box for an extra layer of security fa Optional 2 Recommended 3 Mandatory Merchant Console User Guide 59 SECTION 18 SETTINGS Change Password Master CHANGE PASSWORD To change the master login password simply enter the current password in the Current Password and then enter new password in to the New Password text box and then enter the password again into the Confirm New Password to confirm Click Change Password Change Password button to finalize the master password change Change Password N OTE a Change Password Due to Visal Mastercard regulations the following requirements must be met for account passwords To change the master password Passwords must be atleast 6 cha
10. Page 41 Page 42 Page 43 Page 44 Page 45 Page 45 Page 45 Page 45 Page 46 Page 46 Page 4 7 Page 4 7 Page 48 INDEX 2 SECTION 14 Search Search database Advanced search SECTION 15 Settings System settings Batch settings Auto close batch every Expire authorization after Send batch report to Receipt settings Email from Reply to Subject prefix SECTION 16 Users Users Add user User Info User New password Start page Permissions Delete user Change password User Merchant Console User Guide Page 48 Page 49 Page 50 Page 51 Page 51 Page 51 Page 51 Page 51 Page 51 Page 52 Page 52 Page 52 Page 52 Page 52 Page 52 Page 52 Page 53 Page 53 Page 53 Page 53 Page 53 Page 54 Page 54 INDEX 2 SECTION 16 Cont Users Edit user SECTION 17 Source Key Source Key Source Info Name Pin Disabled Test Mode Allowed Commands Email merchant receipt to Payment form templates Payment form template Form title Custom colors Order summary Credit card information Billing information Shipping information Custom templates Payment form settings Transaction result Redirect Customer to URL Merchant Console User Guide Page 54 Page 55 Page 55 Page 56 Page 56 Page 56 Page 56 Page 56 Page 56 Page 56 Page 56 Page 57 Page 5 7 Page 57 Page 57 Page 57 Page 57 Page 57 Page 58 Page 58 Page 58 Page 58 INDEX 2 SECTION 17 Cont SECTION 18 SECTION 19 Transaction result Display re
11. whith chack tha CVWACWC values of the card and allows you fo Set whidh Cus mecults you WON to Sootet or dtdint 2 yemail Blacker whieh Mow you to block miraion brid on the amal address of the qustomert J Country Mocker wheth blocks transactio depending on the country the transaction is coming from based on the IP of the customer 4 fip Code Verifier which warhed the zip onde matches the state and city the Guster Gut mi for th order Mew Look te Fraud Stopper Finally on this update is the mew look to the Fraud Stopper How you can easily see all the modules for avery source key one screen Management is made easier this way 34 well as making an sachin of modules fo pour fount keys Vs Optional 2 Recommended 3 Mandatory Merchant Console User Guide SECTION 2 The Sale window of the vTerminal is where a basic credit card trans actions are processed In this portion of the sale only the minimum required information to process the sale will be asked for Virtual Terminal Sale AuthiCrily Post4uth cl Expiration i CMe YY Charge Amount ht Invoice Po Tax Amount fo PO 4 7 Po Description E Billing Street PO i Code Illegibl Billing Zip C V2 CVC ode Illegible No Code on Card Merchant Receipt Customer Receipt Step 1 Enter the Card Holder Name Card Number Expiration Date3 Charge Amount3 These fields are required and must be entered to process a transaction cvv2 cvcl 2 Tax A
12. 00 Approved my Dela A 01 25 05 06 16 12345 John Doe 4 ooo 64 A LOU neciiware Appana EM Detali ETEEN E 06 15 12345 John Goa W Kuan S64 fy LOO nsoftware Approved my Gebalis o1f2o 05 15 05 12545 John Doe NEEESE EPEE ES aTa 19 1 00 approved Takai To O cate t h e b atc h W h ere t h e PETENTE 15 05 12546 James as Y R EET 4 00 Approved S Details o1 f2o os 15 05 2348 Junior Gow soMeHOOLS A 1 00 Approved y Detalla 1 1 oa f20 05 15 04 12545 John Goa Y MACNN 1 1 00 Approved Detalh tra nsaction resides click the FETEI TE 15 04 12347 Jarn Gow yna 0 L A 1 00 approved y Detalla o1 20 05 15 04 12545 James Doe Y MENEE IT 1 00 Approved FY Detail D etal a Detalls b utton an d O15 15 04 SEa48 Junior Dag veea A 1 00 approved Py Detaili o1 20 05 1407 12345 John Doe Y MERRER IET 1 00 Approved FY Detail then cl ick the Batch num ber imi cited 12347 Jane Dot MMe 1a A 1 00 Approved Py Detaili i L al j aL J j La J ozons 13 14 12345 John Goe uf monnonnece C12 A 1 00 Approved fa Optional 2 Recommended Mandatory Merchant Console User Guide 49 SECTION 14 SEARCH Cont ADVANCED SEARCH Step 1 Select Match ALL of the following or Match ANY of the Following in the 1 drop down menu Match ALL will search for the exact spelling and or numerals for the search criteria Match ANY will search for any of the letters or numeral entered as the criteria Step 2 Select the field to search
13. Card Number Amount Source Auth 02 16 05 Add Printer Adobe PDF See Microsoft ies 15 36 1700 Wendy XXXKKXXKEEKK2222 150 00 Kramer 000065 Office Doc 1693 Wendy wsonocosccnK2222 150 00 Kramer 000064 x 15 32 1700 Wendy XXXXKXEXEXKXK2222 150 00 Kramer 000063 an ee T Printo fle Preferences 15 28 1700 Wendy XOKKKKKR2222 150 00 Kramer 000062 RE Find Printer 10 45 666 Smith ssoooosococn2224 1 00 EPP 000053 10 44 666 Smith wsoocooococn2224 1 00 EPP 000052 Page Range 10 35 666 Smith S224 1 00 EPP 000049 All Number of copies 1 24 10 34 666 Smith KOK 2224 1 00 000048 5 2 09 44 Richard XXEXKEEEEE2224 100 00 000047 Pages fi F h A lel 09 43 Richard EXKXEEKKRENX 2224 100 00 000046 Enter either a single page number or a single l 5 06 30 John Doe XXKKEEKEREEKI564 1 00 nsoftware 000043 page range For example 5 12 06 28 John Doe XXXEXEEEEEEE 964 1 00 nsoftware 000042 000001 000168 07 59 12345 000167 07 59 12345 000166 07 52 12345 000164 Step 3 Select the proper printing device and click the Print button Step 4 Click the back button in your browser to return to the Batch Summary fa Optional 2 Recommended 3 Mandatory Merchant Console User Guide 41 SECTION 13 REPORTS Cont E MAIL TRANSACTION REPORT This feature allows a currently viewed Transaction Report to be e mailed Step 1 At the top of the Transaction Report click the e mail button Step 2 wa PO a a Email To An e m
14. Digit Zip Match Address Match amp 9 Digit Zip Match Address No Match amp 5 Digit Zip Match Address No Match amp 9 Digit Zip Match Address Match amp 5 Digit Zip No Match Address No Match amp 5 Digit Zip No Match Card Number Not On File This module allows you to select which trans a 4 x actions to accept based on the address verifi cation system response Check off the Address Information not verified for domestic transaction responses that you will accept All others will Retry System Unavailable Service Not Support be d ecl In ed Address Verification Not Allowed For Card Type Global Non 4VS participant International Address Match amp Zip Not Compatible International Address Match amp Zip Match NMOoOoOoOonaAnAoaaonogo International Address No Compatible amp Zip Match BLOCK BY HOST or IP This module will block transactions based on a single IP Fraud Settings HostBlocker address 192 0 0 1 a range of IPs 192 0 0 0 Block By Host or IP This module will block transactions based on a single IP address 192 0 0 1 a range of IPs 192 0 0 0 192 0 0 255 a host address hacker fraud com or an entire tld jpj domain 1 92 0 0 2 5 5 a host add ress hacker fra u d com Or an fraud jp or subdomain more fraud jp To use this module your shopping cart software must pass the client ip correctly To check if your cart is passing the client ip v
15. News is the default start up page when you log into the Merchant Console v Terminal NOTE To change the default start up page refer to page 53 erchant Console v Termina aaa mit ok a Haha Marchant Console Merchant Con ole Weer Manual What s the Q Stand For 06 24 2004 4 new feature has been added to the Batch Manager for merchants processing credit cards The column hat been added for mawing frantachans front the Batch Manager deer to On Guha Fraracharns soe Simple by dicking on thd krie can in the G ohne thie Syshem wil ask pou to garnir Bee mowerent of the Gaonsachen mie the Qudued porten A good use for this feature is if pou need to settle a batch but have transactions in there you don t want dosed yet itu Gon M r thee m rs di ns me the Quauad siren amd bHan move them back to tee Bokeh Manager Uiir arn New Fraud Preventions EREE Pine We are messed bo announce the release of same new improvements and additions to the USA afar system regarding fraud prevention IP Flags Merchants who ore sending m the IE address of the quetemer will mow motigt J Hag of the country whech the IF belongs to located near the card heoider s mame in the Batch Manager as well as the details screen for every Gansaction This allows you the merchant to quickly stay which country the mansion was placed in based on thn IP of bret caigui bet rington was pld on Mew Fraud Modules VSA ePay has added afew new fraud modules 1 Card 1D Checker
16. ac5fca42 9 Tim XXXXXXXXXXXX2224 25 00 ti O n z 07 15 3d7987cc a jksdjjk sdkfhsdkfj xxxxxxxxxxxx2224 25 00 Total for 01 06 05 50 00 NOTE Refer to page 28 for Transaction a 47a0e0fi c fdds fdsf XXXXXXXXXXXX2224 25 00 i 0000s1 08 48 b5ae700a 2 sdgdsgf dsfg sdf xxxxxxxxxxxx2224 25 00 i 000079 Details 08 27 b6 icb661 1 dfgdfgfd XXXXXXXXXXXX2224 25 00 i 000078 07 42 3418e4c6 8 Tim XxXXKXXKXXKXKXZZ224 25 00 i 000074 Total for 01 03 05 100 00 Every transaction report has a time frame feature and can also be printed e mailed and exported either in tab or comma delimited format TIME FRAME Time frame allows for specific date s searches Step 1 At the top of the report are two fields Start and End To display Start i ofl 1 f2004 End aw OF2005 the transaction report for a specific date or dates enter the start date and end date in Step 2 Click the View my View button to display transactions for the dates indicated Ws Optional 2 Recommended 3 Mandatory Merchant Console User Guide 40 SECTION 13 REPORTS Cont PRINTING REPORTS This feature allows the printing of currently viewed transaction report Step 1 At the top of the Transaction Report click the print button Step 2 A print window will open along with a printable version of the currently viewed transaction report TI I General Options Approvals 01 18 2005 02 16 2005 Grouped By date Select Printer Time Invoice Customer
17. and delivering the PO to the supplier Merchant Console User Guide 72 SECTION 20 GLOSSARY Cont Expired Card A card on which the embossed encoded or printed expiration date has passed Fleet Card Fleet Cards are a specific type of commercial card or corporate card used to purchase goods and servic es for automobile vehicle aviation or marine fleets Floor Limit An amount that Visa and MasterCard have established for single transactions at specific types of mer chant outlets and branches above which authorization is required Fraudulent Transaction A transaction unauthorized by the cardholder of a bankcard 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 compa ny Fraudulent User An individual who is not the cardholder or designee and who uses a card or in a mail phone order or recurring transaction an account number to obtain goods or services without the cardholder s consent Government Card A generic term for commercial purchasing cards purchase cards issued to federal state or local gov ernment agencies It can refer to a Purchase Travel or Fleet card Government Payments An inexact term used to describe either payment received from citizens or businesses by the govern ment or payments from a government age
18. exporting C a pel ted Tab Delimited File Download Do you want to save this file Name export tsy era Type Unknown File Type Step 3 A confirmation window will appear asking if the file From www usaepay com File Download should be download saved Do you want to open or save this file Name export csv Type Microsoft Office Excel Comma Separated Values File From www usaepay com Open Save While files from the Internet can be useful some files can potentially harm your computer If you do not trust the source do not open or save this file What s the risk Step 4 When the Save As window opens select where the bath file will be saved to and click the Save but ton ta Optional 2 Recommended 3 Mandatory Merchant Console User Guide 26 SECTION 9 BATCHES Batch Manger Cont CLOSING THE BATCH The current open batch MUST be closed to receive processed funds When closing a batch you are inturn giving the processing merchant bank the go ahead signal to withdraw funds from the customers account and place those funds into the merchants account A batch MUST be closed to do so Is the Close This Batch button SEY 11 20 04 11 30 04 1 00 000183 Total Sales 140 2611 80 EJ Close This Batch Total Credits 3 10 00 PMI Batch Total 2601 80 11 30 04 Max Powers Vio XXXKKXKKKKKK2224 Ay WY M 1 00 000175 SES 11 30 04 asdad
19. for accounting or tracking purposes Overlimit This refers to a cardholder s account that has surpassed its credit limit with a transaction Their out Standing balance is beyond their credit limit Paper Draft Sales slips credit slips cash disbursement slips drafts vouchers and other obligations indicating use of a card or a card account Password A sequence of characters which allows users access to a system Although they are supposed to be unique experience has shown that most people s choices are highly insecure Humans tend to choose Short words such as names which are easy to guess Pcard Pcard is an abbreviation for Purchasing Card Purchase Card Procurement Card or Purchasing Card P Card Pcard is an abbreviation for Purchasing Card Purchase Card Procurement Card or Purchasing Card Per Transaction Fees Fees paid by the merchant to the merchant bank or other contracted party on a per transaction basis PIN Personal Identification Number A sequence of digits used to verify the identity of the holder of a token It is a kind of password Plaintext Data before the application of a cryptographic algorithm Plastic Card This is a generic term used to identify any of the various cards issued to cardholders Point Of Sale POS Location in a merchant establishment at which the sale is consummated by payment for goods or servic es received Merchant Console User Guide 78 SECTION 20 GLOSSARY Con
20. for in the 2 drop down menu Step 3 Select the search method in the 3 drop down menu Step 4 Enter the search criteria in the 4 and click amp lt BVANGED SEAREH the Find Find button T atch ALL of The Following em Select Field Equals Select Field oe Equals l Select Field Equals 3 4 NOTE Refer to page 49 for search i Select Field w Equals result display Select Field z Equals lt lt Select Field Match ALL of The Following Match ANY of the Following Contains Is Greater Than Is Less Than Dioes Not Equal Starts M ith Ends vith Billing Phone shipping Company shipping First Hame ta Optional 2 Recommended 3 Mandatory Merchant Console User Guide 50 SECTION 15 Settings allows the console user to customize the settings within the Merchant Console Batch settings adding deleting users source key and changing passwords are all done from the settings menu SYSTEM SETTINGS ITINGS Settings Merchant Console User Manual In the Merchant Email enter the email System Settings address where a receipt will be sent automati Merchant Email Use Compact Mode cally after every transaction processed the the v terminal or quick sale Auto Close Batches Every S ocfictime gt a AME pst NOTE Once the email is entered in the sys Banke Aitieateatione Ais i0 Dny Send Batch Reports To P Receipt
21. info Merchant Console User Guide Page 20 Page 20 Page 21 Page 22 Page 23 Page 23 Page 23 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 28 Page 28 Page 28 Page 28 Page 29 page 29 Page 29 Page 29 Page 29 INDEX 2 SECTION 9 Cont SECTION 10 SECTION 11 Merchant Console User Guide Transaction info Date Time Invoice PO Description Amount Tax Cardholder Card number Expiration date AVS street AVS zip User Source Server IP Client IP Billing address Shipping address Batch summary charts Printing batch summary E mail batch summary Queued transaction Page 29 Page 29 Page 29 Page 29 Page 29 Page 29 Page 29 Page 29 Page 29 Page 29 Page 29 Page 29 Page 29 Page 29 Page 29 Page 29 Page 30 Page 30 Page 30 Page 31 Page 32 Page 33 INDEX 2 SECTION 11 Cont SECTION 12 SECTION 13 Queued transaction Adjusting amp posting transactions Upload batch Import batch file Select map fields Save as template Import filter Reports Pre made credit card reports Time frame Printing reports E mail transaction report Export batch Credit card transaction summary Custom reports Create custom report Filter transactions Transaction types Transaction results Filter on Field Select fields Choose sort order Enter report title Merchant Console User Guide Page 34 Page 35 Page 36 Page 36 Page 37 Page 38 Page 39 Page 39 Page 40
22. key The command must be checked on source key settings screen to be accepted by the gateway 02034 Your billing address does not match your credit card Please check with your bank The AVS result received from the platform was blocked by the Merchants fraud preferences Funds were not held for this transaction 10001 Processing Error Please Try Again Error from FDMS Nashville Invalid Transaction Code 10003 Merchant does not accept this type of card 1 Error from FDMS Nashville Terminal ID not setup for settlement on this Card Type 10004 Merchant does not accept this type of card 2 Error from FDMS Nashville Terminal ID not setup for authorization on this Card Type 10005 Invalid Card Expiration Date Error from FDMS Nashville Terminal ID not setup for settlement on this Card Type 10006 Merchant does not accept this type of card 3 Error from FDMS Nashville Invalid Process Code Authorization Type or Card Type 10007 Invalid amount Error from FDMS Nashville Invalid Transaction or Other Dollar Amount 10008 Processing Error Please Try Again 08 Error from FDMS Nashville Invalid Entry Mode Merchant Console User Guide 89 SECTION 21 ERROR CODES Cont 10009 Processing Error Please Try Again 09 Error from FDMS Nashville Invalid Card Present Flag 10010 Processing Error Please Try Again 10 Error from FDMS Nashville Invalid Customer Present Flag 10011 Processing Error Please Try Again 11 Error from FDMS Nashv
23. of transporting the data from the merchant s systems to the operator of the payment gateway Merchant Console User Guide 74 SECTION 20 GLOSSARY Cont ISO Independent Service Organization In the payment systems industry a third party organization that facil itates merchant registration to accept charge or credit cards Issuer Any association member financial institution bank credit union or company that issues or causes to be issued plastic cards to cardholders Key When used in the context of encryption a series of numbers which are used by an encryption algorithm to transform plaintext data into encrypted ciphertext data and vice versa Large Ticket Rate Visa and MasterCard have created special interchange rates that incent the merchant to process higher dollar credit card transactions Large ticket transactions are often greater than 100 000 00 and may exceed several million dollars Level Ill Level III purchase card information refers to the ability to process detailed purchase information with the financial credit card transaction The supplemental information typically includes data elements like a Customer Code Invoice and Order number Part Number Item Description Quantity Unit of Measure Unit Price etc Level III Level 3 is a feature associated with purchase card or purchasing card pro grams Level 3 Level 3 purchase card information refers to the ability to process detailed purchase information w
24. reduced by the authorized amount Authorization Amount Dollar amount approved Authorization Code A code that an issuer or its authorizing processor provides to indicate approval or denial for an authoriza tion request Authorization Date Date and Time that transaction was authorized Authorization Only A transaction created to reserve an amount against a credit card s available limit for intended purchases the settlement may occur within three to five days depending on the card type Authorized Amount Dollar amount approved Authorized Transactions Transaction that has been approved AVS See Address Verification Service Bank Account Bank account number for the merchant to which funds will be deposited Bank Identification Number Bin The first six digits of a Visa or MasterCard account number This number is used to identify the card issu ing institution Merchant Console User Guide 67 SECTION 20 GLOSSARY Cont Card Issuer Any association member financial institution bank credit union or company that issues or causes to be issued plastic cards to cardholders Card Reader A device capable of reading the encoding on plastic cards See Magnetic Stripe Reader Cardhholder Information Security Program CISP An information security standard sponsored and promoted by Visa USA that applies to any organization that stores or handles their credit card account numbers Cardholder An individual to whom a
25. s the difference between the Quick Sale and the vTerminal Sale A The functionality of the two screens is exactly the same they process sales The only difference is the Quick Sale form allows you to input more information about the transaction to be stored in the gateway s databases You will notice the form allows you to include things like full billing and ship ping address for the transaction and more This is beneficial for future reporting through the gate Way Q What does it means when it says Voice Authorization Required A A voice authorization is when a card needs to be called in for authorization directly with your mer chant bank This is sometimes required when the card is being held or when the card Is reaching its spending limit You the merchant have two choices as to what you can do in this case The first is rule it as a Decline and tell the customer that the card has been declined The second is to call in the card to your merchant service bank s voice authorization line IF the card gets approved over the phone you must then go into the vTlerminal and post the transaction in your PostAuth tab This will then place the transaction into your batch ready for closure Q Does the AVS Result and CVV Result Effect the Transaction Being Approved A Most of the time the AVS and CVV Results do NOT effect whether or not the card is being approved or declined So if you receive a decline and the CVV says something like No Data Ava
26. that wasn t found in the system 10121 Wireless key disabled Please contact support The install id submitted has been deleted disabled 10122 Wireless key mismatch The wireless key submitted does not correspond to the source id created for this installation Merchant Console User Guide 93 SECTION 21 ERROR CODES Cont 10123 Success Operation was successful 10124 Unsupported transaction type Only authonly sales and voids may be captured An attempt was made to settle a transaction that can not be captured This error will occur if you attempt to capture an echeck transaction 10125 Original transaction not approved You are trying to capture settle a transaction that was declined or resulted in an error You can only capture approved transactions 10126 Transactions has already been settled You are trying to capture a transaction that has already been settled 10127 Card Declined Hard decline from First Data 10128 Processor Error response Unknown reponse code from First Data Nashville 10129 Invalid transaction data PHP Library detected missing or invalid fields 10130 Libary Error CURL support not found PHP Library was not able to find curl support You must compile php with curl and openssl 10131 Libary Error Unable to initialize CURL PHP Library was unable to initialize CURL SSL support may be missing or incor rectly configured 10132 Error reading from card processing gateway PHP Li
27. their organization expenses are centrally billed to the cardholder s organization Receipt A hard copy document recording a transaction that took place at the point of sale with a description that usually includes date merchant name location primary account number amount and reference num ber Recurring Billing Transactions for which a cardholder grants permission to the Merchant to periodically charge his account number for recurring goods or services Reference Number Number assigned to each monetary transaction in a descriptive billing system Each reference number is printed on the monthly statement to aid in retrieval of the document should it be questioned by the cardholder Refund Create a credit to a cardholder account usually as a result of a product return or to correct an error Merchant Console User Guide 80 SECTION 20 GLOSSARY Cont Request Authorization auth Submits a transaction for Authorization Only See Authorization Retail Merchant A merchant that provides goods and or services in the retail industry but is not a mail phone merchant a recurring services merchant or a T amp E merchant Retrieval Request An issuer s request for a transaction receipt which could include the original a paper copy or facsimile or an electronic version thereof Reversal An online financial transaction used to negate or cancel a transaction that has been sent through inter change in error Sales Draft
28. 40 Merchant does not currently support check transactions The merchant doesn t have a valid tax id or password entered for check processing 00041 Check processing temporarily offline Please try again shortly Internal system error encountered while communicating with check processor Please contact USAePay Support 00042 Temporarily unable to process transaction Please try again shortly A corrupted response unparsable was received from vericheck 00043 Transaction Requires Voice Authentication Please Call in Processor returned a referral 00044 Merchant not configured properly CardAuth The merchant has payment authentication enabled but does not have a processorid merchantid entered 00045 Auth service unavailable Internal system error was encountered while connecting to authentication platform Contact USAePay Support 00046 Auth service unavailable 6 A corrupted response was received from the authentication platform Merchant Console User Guide 88 SECTION 21 ERROR CODES Cont 00050 Invalid SSN Social Security number must be 9 digits 00070 Transaction exceeds maximum amount Transaction exceeds the maximum allowable amount of 99 999 00071 Transaction out of balance Transaction does not add up correctly subtotal tip tax shipping discount must equal the amount 00080 Transaction type not allowed from this source The requested command sale authonly etc was blocked by the merchant s source
29. A paper record evidencing the purchase of goods or services by a cardholder SDP SDP Program SDP is an acronym for Site Data Protection program An information security standard sponsored and promoted by MasterCard that applies to any organization that stores or handles their credit card account numbers Settlement The reporting of settlement amounts owed by one member to another or to a card issuing concern as a result of clearing This is the actual buying and selling of transactions between the merchants proces sors and acquirers along with the card issuing entities Settlement Bank A bank including a correspondent or intermediary bank that is both located in the country where a member s settlement currency is the local currency and authorized to execute settlement of interchange on behalf of the member or the member s bank SIC Code Standard Industry Classification Code A system used to categorize businesses by industry group This system is being replaced by the NAICS Coding system Site Data Protection Program SDP An information security standard sponsored and promoted by MasterCard that applies to any organization Merchant Console User Guide 81 SECTION 20 GLOSSARY Cont that stores or handles their credit card account numbers Smart Card A plastic card containing a computer chip with memory and CPU capabilities Such a card may be used for identification to store information or financial amounts or oth
30. C cannot be validated To help reduce fraud in the card not present environment acquirers merchants and issuers can use the CVV2 or CVC2 program Visa MasterCard amp Discover It is the three digit number printed in the signature space on the back of most credit cards such as Visa Mastercard and Discover cards The CVV2 number is always the last group of numbers in the Signature space on the back of the card American Express It is not part of your regular credit card number It is a four digit ciD number on the front of American Express cards It is printed flat not embossed like the card number The CVV2 CID Customer Card ID number enhances fraud protection and helps to CID validate two things 1 The customer has the credit card in their possession and 2 That the credit card number is legitimate CID My Optional 2 Recommended Mandatory Merchant Console User Guide 20 SECTION 9 BATCHES Batch Manger Cont This column displays the total amount of a transaction Transactions are color coded to repre sent type of transaction Black Sale Red Credit Green Void This column displays an authorization number of a transaction and the type of transaction If it is a sale then and authorization number will be displayed If it is a credit a Credit message will be in place of an authorization number and if it is a void a Void message will be displayed oid This colum
31. Contact USAePay customer service 00008 Unable to retrieve current batch Failed to get the id of the current batch Typically this indicates that the merchant account is not active or batches are out of sync Verify all merchant account info provided to usaepay 00009 Unable To Create Transaction Please Contact Support Internal database error system may be in the process of failing over to backup database server Retry transaction 00010 Unable To Allocate Transaction Slot Please contact support Internal database error system may be in the process of failing over to backup database server Retry transaction Merchant Console User Guide 85 SECTION 21 ERROR CODES Cont 00011 Invalid Card Number 1 The cardnumber contains illegal characters A card number may only include numbers 00012 Card Number was not between 13 and 16 digits Cardnumber was not between 13 and 16 digits 00013 Invalid Card Number 3 Cardnumber failed Luhn Mod 10 Checkdigit Method ISO 2894 ANSI 4 13 00014 Invalid Credit Card Number 1 Cardnumber passed length format and checkdigit tests but didn t match any of the cardnumber profiles enabled in the system Contact USAePay to verify support of cardtype 00015 Invalid expiration date Must be in MMYY format Expiration contains invalid characters nothing but numbers allowed 00016 Invalid expiration date Must be in MMYY format Could not guess format of date It wasn t MMYY or MMYYYY or MMDDY
32. E2 224 v 000109 YYY M 25 00 Total Sales 13 166 91 Total Credits 0 0 00 Batch Total 166 91 Step 3 Select the proper printing device and click the Print button Step 4 Click the back button in your browser to return to the Batch Manager E Optional 2 Recommended 3 Mandatory Merchant Console User Guide 24 SECTION 9 BATCHES Batch Manger Cont E MAIL BATCH This feature allows a currently viewed batch to be e mailed Step 1 At the top of the Batch Manager click the e mail button Step 2 emails Fo Email To An e mail windows will be displayed ki Subject Batch ID 166940 00 Message P E Step 3 Attachments Attach FileName lt Jsir Enter the merchants e mail and also enter the Sr re eer ony e mail address where the batch will be sent to Send Email Recent Step 4 Click Send Email to send the e mail A con Email sent to info usaepay com firmation will be displayed Return to Reports ta Optional 2 Recommended 3 Mandatory Merchant Console User Guide 25 SECTION 9 BATCHES Batch Manger Cont EXPORT BATCH This feature allows a batch to be exported to a third party software ex Microsoft Excel Quicken Quick books A batch can be exported in two 2 formats comma or tab delimited Step 1 Click on the export drop down menu Tab Delimited Step 2 Select the proper format for batch
33. EARCH Cont SEARCH DATABASE Enter search criteria in the search field and click Find E lt 5 SEARCH DATABASE NOTE When entering search criteria any 0 Find transaction matching or contain the entered criteria will be displayed Every search result window will display the date and time of the transaction invoice if one was pro vided during a sale and the customers name Also displayed is the type of credit card used for the transaction the card number as 120 05 a7 12346 James Doe W eee eT 1 00 approved oO1eo os 14 37 1249 Junidr Goe i HHENAKHEKHENINII S 4 1 00 Apprawad i i Data Tinia Invoice Customer Typa Card Number Amount Source Auth W el aS t h e t ransa cti on d O ar Oe 16 05 06 30 12345 John Bae Vo pea L00 necware Approved LE 02 16 05 06 20 12343 John Ooe Y momo T F 100 neoltware Approved Debate n2f0305 13 57 12345 John Das W TATEA 64 e LOO software Approved Py Cebails a mM O u n t t h e S O u rce W h e re t h e panas 06 09 12345 John Doe momo So Fa 1 1 00 m oltware Approved i Detalh n2fo2 05 Ce 12345 John Das 1 noone S64 Ay 1 00 ngoftwane Approved Py Cebails transa cti on or j g in ated fro m an d p1 29 05 12 31 12345 John Doe wesneacese0019 dl 1 00 approved A Detail za Zl 1lz347 Jane Goe i aaaea py 1 00 Approved 5 Detalla n n 01 29 05 12 31 12346 James Doe if KHKKMONHKMONOO LS A 1 00 Approved Taniel the authorization status ne N a pam PENENT Ziad liza Junior Doe MEMO 1 a 1
34. Failed Disabled have taken place transaction details and other options are available Customers information can be edited at any time from within recurring billing ex update cus tomer information update credit card information add notes and enable or disable recurring billing for specific customers NOTE Recurring billing takes place at 11 55pm Pacific Standard Time PST on the date specified fa Optional 2 Recommended 9 Mandatory Merchant Console User Guide 12 SECTION 8 RECURRING BILLING Cont RECENT BILLING HISTORY Recent Billing History As mentioned previously Recent Billing History list 10 of the most recent recurring billing transactions The main recent billing history window lists simplified transac tion details for each customer A Date When a transaction occurred B ID A unique number generated by USAePay for each transaction The ID can be used as a search variable to locate a specific transaction C Company Customer s company name as entered in the Customer Information D Last Name Customer s last name as entered in the Customer Information E Amount Amount entered for recurring billing F Result These are a set of transaction result codes A Approved D Declined E Error G Details By Detalls Refer to page 28 for Detail description H Complete History Displays a complete history of all t
35. ID P optional entries Merchant Receipt and Customer First Name Last Name Receipt should be entered if an e mail confirming the Company Street sale is requested Billing info and Shipping info fields are ces available for a more detailed transaction The billing and State Zip Shipping info are store in the detail of a transaction Country Phone NOTE For e mail receipt settings refer to page 52 NOTE Refer to page 16 for Batch Manager Fist Name OSOCOCSCSOSOSS Last Name FN Company Street Street2 City State Zip Step 2 cme Phone Once all the proper information is entered click the Process Process button to process the trans action f Email Receipts l Merchant Receipt M Customer Receipt Me Optional 2 Recommended 3 Mandatory Merchant Console User Guide 8 SECTION 8 Recurring Billing is the ability to bill a customer on a regular basis without having to input the customers credit card and billing information Recurring Billing has the ability to bill daily weekly bi annually and annually Recurring Billing Recent Billing History Date ID Company Last Name Amount Result No history Complete History gt gt All Customers Company Last Name Amount Due Next Key Enabled Running Declined i Retrying P Failed Disabled Add Customer When first entering the recurring billing windows it will look ve
36. N 9 BATCHES Batch Manger Cont Every batch open or closed will con a peat as sales sale Ba rea tain two 2 basic reports A Batch cars E Visa 137 2 356 359 1 00 nsoftware YoU 0 Summary by Card Type and F Batch naa 5 100 41 5 BobHadaya 7o41 0 EscapeVacation olil z z4 O Discover 1 153 00 0 O0 TimMckendrick 650 00 O Summary by Source Perr nd nee a vterm 0 00 1 crystaltech 25 00 2 osCommerce 336 00 0 Batch Summary by Card Type TurnKeyCompSys i602 o KramerInc 472 607 0 report breaks down the number of serge test key 233 00 oO sales dollar amount number of credits and credit amount transaction s by credit card type Batch Summary by Source report displays the source s where the transaction originated from It also displays by number of sales dollar amount number of credits and credit amount VIEW PREVIOUS BATCH To view a previous batch that has already been closed Step 1 From the Batch Manager click on the Batch drop down menu box Batch Current Batch Step 2 Current Batch A list of previously closed batches will be displayed Click on the batch to be aa T on viewed The list is formatted with year first then month and date Last is the 2004 05 13 OUT 2 004 08 12 00 00 12 time when batch was closed 2004 08 10 00 00 10 e00d 07 30 12 25 50 2004 07 18 21 52 36 Step 3 2004 06 25 00 00 05 2004 06 24 00 00 03 When the proper batch is sele
37. Obtaining authorization for use of a credit card by electronic means as via computer equipment and tele phone line Electronic Commerce A system of integrated communications data management and security services that allow business applications within different organizations to automatically interchange information Electronic Draft Capture EDC EDC is a point of sale terminal that reads the information encoded in the magnetic stripe of bankcards These terminals electronically authorize and capture transaction data eliminating the need for a paper deposit Enciphering Conversion of plain data into encrypted data plaintext into ciphertext Encryption Encryption is the process of disguising a message using mathematical formulas called algorithms in such a way as to hide its substance a process of creating secret writing Encryption Key When used in the context of encryption a series of numbers which are used by an encryption algorithm to transform plaintext data into encrypted ciphertext data and vice versa End To End Security Application of security measures consistently across a whole data system or process leaving no weak points E Procurement Or Eprocurement Electronic procurement or electronic purchasing refers broadly to the technology that automates some or all of the processes related to creating a requisition document obtaining purchase approval locating or sourcing a supplier creating a Purchase Order PO
38. Settings Email From Reply To quick sale is no longer nessasary Subject Prefix tem settings entering the email address in the merchant receipt in the v terminal or BATCH SETTINGS Auto Close Batches Every allows the console user to have their batch close automatically at either a specific time or on a predefined schedule Drop down the menu selection box Never and select when the batch should be closed Default is set to Never veal NOTE If the batch is set to auto close the batch can still be closed 5 Tai manually To close batch refer to page 27 36 Hours 40 Hours ad Expire Authorizations After tells USAePay gateway how long to display a transaction in the Queued Transactions Default is set to 10 Days Send Batch Report To By entering an e mail in the text box a notification of a batch closure will be e mailed automatically la Optional 2 Recommended 9 Mandatory Merchant Console User Guide 51 SECTION 15 SETTINGS System Cont RECEIPT SETTINGS The receipt settings allows the user to config System Settings ure the header of a customers e mail receipt Merchant Email m Use Compact Mode m Batch Settings Email From Displays the company name Auto Close Batches Every Specific Time a 1A TAMIN pst from where the transaction took place from Expire futhortcations After 10 Doys il Send Batch Reports To Email F
39. TOPPER Cont MULTIPLE CARD TRIES Block transactions where more then a specified num Block transactions where more then a specified number of different card numbers are attempted on the same order number or from the same ip address This is useful for blocking ber of d ifferent ca rd num bers are attem pted on th e people from using your merchant account to test stolen credit card numbers Time Period 30 minutes Number of Cards 3 Block by Order Block by IP Same order number or from the same ip address This is useful for blocking people from using your merchant account to test stolen credit card numbers TICKET AMOUNT This module allows the merchant to define allowable tra nsa cti on amou nts i Any tra nsa ctio ns th at are n ot This module allows the merchant to define allowable transaction amounts Any transactions that are not within the defined amounts are blocked If you only want to specify a minumum but no maximum enter a in the maximum field Like wise if you only want to specify a maximum but no minimum enter a in the minimum field within the defined amounts are blocked If you only want to specify a minimum but no maximum enter a Minimum Amount Maximum Amount in the maximum field Like wise if you only want to specify a maximum but no minimum enter a in the minimum field ZIP CODE verifier Verifi Es that the bi l ng a nd or sh l Pp Ng
40. This is where user rights are assigned to a new user or changed to for an existing user Check the proper box to assign a specific right to the user Mater Account has the right to perform all func tions in the console and should be reserved only for the administration Step 4 Click the Save C Save O button to activate the user or Cancel Cancel button to cancel the activation ta Optional 2 Recommended 3 Mandatory Merchant Console User Guide 53 SECTION 16 SETTINGS Users Cont DELETE USER To delete a user from the merchant console omza sim click on the Delete i Delete button A User Master Account Last Login pa Demo x 12 02 2004 V Edt Poeier Change Password confirmation window will be displayed click Okay to delete user or Cancel to cancel the deletion process Delete Record Are you sure you want to delete record id 3633 All data in this record will be lost CHANGE PASSWORD To change the users password simply click on the Change Password A Change Password windows will open where a new password will be entered Click Change Password Chenge Password button to com plete the change Change Password Due to Visa Mastercard regulations the following requirements must be met for account passwords Passwords must be atleast 6 characters long Must include atleast one letter and one number Can not be th
41. Voice Authorization An approval response obtained through interactive communication between an issuer and an acquirer their authorizing processors or stand in processing through telephone facsimile or telex communica tions Void Transaction Delete the transaction information Void Ed Nullifies a transaction that has been recorded for settlement but not yet settled This removes the trans action from the batch of transactions to be settled Merchant Console User Guide 84 SECTION 21 ERROR CODES ID End User Message Technical Description 00001 Password Username Incorrect Sent by login screen when the username and or the password are incorrect 00002 Access to page denied The user has attempted to access a page they don t have permission to access 00003 Transaction type type not supported Please contact support Is returned by console vterm php when an unknown transaction type sale cred it etc is attempted 00004 Processing gateway currently offline Please try back in a few moments Return by processing engine when the gateway cannot establish a connection with the processing backend 00005 Error in verification module module Please contact support The given fraud module was did not load correctly An upgrade may be in progress 00006 Merchant not found The system was not able to locate the requested merchant 00007 Merchant has been deactivated Merchant account has been marked as deactivate
42. YYY or even MMDDYY format 00017 Credit card has expired The credit card expiration date has passed 00018 Gateway temporarily offline Please try again shortly Unable to contact processor backend Failed bank link maybe in the process of coming back up Retry transaction 00019 Gateway temporarily offline for maintenance Please try again in a few minutes Processor backend is offline for maintenance Retry transaction 00020 User not configured correctly please contact support User not configured correctly Remove the user and readd 00021 Invalid username The merchant didn t type in a valid username when adding a new user 00022 You do not have access to this page The user tried to access a page they don t have permission to access Merchant Console User Guide 86 SECTION 21 ERROR CODES Cont 00023 Specified source key not found The source key provided did not match any of the currently active keys 00024 Transaction already voided The transaction was already marked as voided and wasn t going to be settled anyway 00025 Unable to find transaction in batch The batchid on the transaction references a batch that doesn t exist If there isn t a valid batch then try ing to void a transaction isn t going to do much 00026 The batch has already been closed Please apply a credit instead The specified transaction has already been settled Once a transaction has been sent in for settlement it can not be voided
43. Zi p code Verifies that the billing and or shipping zipcode matches the state city and or area code entered This will block any garbage data and force customer to enter accurate address information Fraud Settings ZipCodeerification matches the state city and or area code entered This will block any garbage data and force customer to Verify Billing Zipcode Against verify Shipping Zipcode Against State Mv State v enter accurate address information aa B as 5 rea Code I 4rea Code I To accept international credit cards and skip state Accept transactions with zipcode not in database ie non us postal codes I city and or area code check check the box next to Save C Apply Accept transactions with zip code not in database ie non us postal codes Ws Optional 2 Recommended 3 Mandatory Merchant Console User Guide 65 SECTION 20 GLOSSARY Access Control The process of ensuring that systems are only accessed by those authorized to do so and only in a man ner for which they have been authorized Account Number A unique number assigned by a fina ncial institution to a customer On a credit card this number is embossed and encoded on the plastic card Acquirer A bank or company that acquires data relating to transactions from a merchant or card acceptor for pro cessing Acquiring Bank A bank that receives the credit card transactions and then settles with the issuing banks Bank that sign
44. ab Emirates To remove the country s from the list simply select the county and Afghanistan click the Remove Selected link to remove the country from the accept or deny list Netherlands Antilles Ws Optional 2 Recommended 3 Mandatory Merchant Console User Guide 63 SECTION 19 FRAUD CENTER STOPPER Cont DUPLICATE DETECTION This module detects and blocks duplicate transactions slicate Detection This module detects and blocks duplicate transactions This is useful for shopping carts that do not catch when a user has accidentally double clicked on the order button The system i i i uses the last 4 digits of the card number the transaction amount and the invoice number to Th IS IS usefu for shoppi Ng Ca rts that do not catch when determine if a duplicate transaction has been submitted You must sepecify the length of time the system will check back for a duplicate transaction a user has accidentally double clicked on the order Time Period 5 minutes Ignore Invoice button The system uses the last 4 digits of the card number the transaction amount and the invoice number to determine if a duplicate transaction has been submit ted You must specify the length of time the system will check back for a duplicate transaction Fraud Settings EmailBlocker E MAI L B LOC KE R Blocks transactions coming from free webmail servers such as Hotmail and Yahoo It can also E be config
45. ail confirming a credit is request ed NOTE For e mail receipt settings refer to page 52 Step 2 Once all the proper information is entered click the Credit Credit button to process the transaction M Optional 2 Recommended 3 Mandatory Merchant Console User Guide 4 SECTION 4 Void is a cancelation of a transaction If a batch with a to be voided transac tion has not been closed settled and funds were not transferred from the cus tomers account to the merchant account then a void can be performed NOTE A credit must be issued if the batch has been closed settled Refer to page 4 process a Credit virtual Terminal void Sale Credit Auth ornby Post4uth Card Number Yoid Amount Authorization Code Step 1 Enter the Card Holder Name3 Card Number Expiration Date Charge Amount These fields are required and must be entered to process a void Invoice and Description are optional entries Merchant Receipt and Customer Receipt should be entered if an e mail confirming a credit is requested NOTE For e mail receipt settings refer to page 52 Step 2 Once all the proper information is entered click the Void button to process the trans action a Optional 2 Recommended 3 Mandatory Merchant Console User Guide 5 SECTION 5 AuthOnly is a pre authorization of funds The funds are not actually deducted from the card hold ers account but are reserved for a specific transaction AuthOn
46. ail windows will be displayed ter Subject BatchID188930 i st lt sS Message Step 3 Enter the merchants e mail and also enter the e mail address where the batch will be sent to Send Email Recent Step 4 Click Send Email to send the e mail A con Email sent to info usaepay com firmation will be displayed Return to Reports ta Optional 2 Recommended 3 Mandatory Merchant Console User Guide 42 SECTION 13 REPORTS Cont EXPORT BATCH This feature allows a batch to be exported to a third party software ex Microsoft Excel Quicken Quick books A batch can be exported in two 2 formats comma or tab delimited Step 1 Click on the export drop down menu Tab Delimited od Step 2 Select the proper format for batch exporting PES ECUMIEE Comma Delimited File Download Zz Do you want to save this file Name export tsy Step 3 A confirmation window will appear asking if the file Type Unknown File Type From www usaepay com File Download should be download saved Do you want to open or save this file Name export csy Type Microsoft Office Excel Comma Separated Values File From www usaepay com oen soe _ ee While files from the Internet can be useful some files can potentially harm your computer If you do not trust the source do not open or save this file What s the risk Step 4 When the Save As window opens select w
47. amount refer to page 34 Queued Transactions Ue Optional 2 Recommended 3 Mandatory Merchant Console User Guide 16 SECTION 9 BATCHES Batch Manger The Batch Manager allows merchants to backtrack charges and easily Void or Credit charges with a click of the mouse The Batch Manager also allows merchants to view complete details of their eCommerce sales such as which website it came from complete customer information e g billing shipping amp email address and which sales person ran the transaction Batch Manager USA ePay Demo Wireless 11 19 04 Pay Me XXXXXKXXXXXX2224 1 00 000034 cessful It will NOT be placed into a 11 19 04 Pay Me Y KXXXXXXXXXXX2224 1 00 000035 BATCH MANAGER Batch CurentBetch F SAA RGN a Tob Deimtea Sam The Batch Manager will store all N Details 11 16 04 John Doe Y XXXXXxxxxxxx5564 raed 1 00 void N Details 11 16 04 John Doe Y KXXXXXKXXXXx5564 1 50 000002 P successful transactions ex Sales PEI 11 13 04 SS Robert M Hadaya M xxxxxxxxxxxxt740 75 41 000856 l P 11 14 04 Test T Jones Vo XXKXRXKXKXRKK2229 amp 1 00 000857 D A ce ee 11 17 04 MXXKXRXRKKRKS SOF P 4 99 000025 11 17 04 MXRXRKRKXKKKS SOF P 4 99 000026 T i 11 18 04 John Doe XXXXXKXXXXXx5564 NA 1 00 Credit F NOTE If 2 transaction has NOT 11 19 04 XXXXXXXXXXXX2939 P 25 00 000032 P been approved declined errored JEJ 11 19 04 XXXXXXXXXXXX2939 NA 3 00 Credi
48. ashville Invalid Payment Service data found in summary process trans level Merchant Console User Guide 91 SECTION 21 ERROR CODES Cont 10098 Processing Error Please Try Again 98 Error from FDMS Nashville General System Error 10099 Session timed out Please re login Session timed out checkout timeout setting 10100 Your account has been locked for excessive login attempts The user failed login too many times Their account has been locked for 60 minutes 10101 Your username has been de activated due to inactivity for 90 days Please contact support to re activate your account VISA Cisp requires locking of accounts that have not been accessed in the past 90 days 10102 Unable to open certificate Unable to load reqired certificate Contact Support 10103 Unable to read certificate Unable to load regired certificate Contact Support 10104 Error reading certificate Unable to load required certificate Contact support 10105 Unable to find original transaciton A capture or void operation was not able to locate the original transaction 10106 You have tried too many card numbers please contact merchant The transaction was blocked by the MultipleCardTries module 10107 Invalid billing zip code The ZipCodeVerification module was not able to locate the billing zip code 10108 Invalid shipping zip code The ZipCodeValidation fraud module was not able to find module 10109 Billing state does not match bil
49. bled f Running Recurring billing for customer is active and without any errors Recurring billing for customer is active but transaction was not successful T Declined f Retrying NOTE Transaction will be retried for up to 3 times If transaction is not success ful after 3 retries recurring billing will be automatically disabled Recurring billing for customer is disabled F Failed Disabled NOTE Transaction has failed to be processed 3 times or scheduling has been dis abled NOTE To Reactivate recurring billing click the Edit 2 button and check the Schedule Enabled Schedule Enabled box in the cus tomers billing schedule Ue Optional 2 Recommended 3 Mandatory Merchant Console User Guide 14 SECTION 8 RECURRING BILLING Cont DELETE Step 1 To delete remove a customer from the recurring billing click the Delete T Delete button Step 2 A Delete Record confirmation will be displayed To continue with PESSSSK Are you sure you want to delete recordid 166647 All data in this record wall be lost the deletion click the Okay but okay ton To cancel the the deletion click the Cancel button CAUTION Once a customer has been deleted from recurring billing they cannot be undeleted To set for recurring billing all information must be reinterred la Optional 2 Recommended 3 Mandatory Merchant Console User Guide 15 SECTION 9 Think o
50. brary was received a bad response from the gateway Merchant Console User Guide 94 SECTION 22 AVS CODES AVS Code Description YYY Address Match amp 5 Digit Zip Match YYX Address Match amp 9 Digit Zip Match NYZ Address No Match amp 5 Digit Zip Match NYW Address No Match amp 9 Digit Zip Match YNA Address Match amp 5 Digit Zip No Match NNN Address No Match amp 5 Digit Zip No Match XXW Card Number Not On File XXU Address Information not verified for domestic transaction XXR Retry System Unavailable XXS Service Not Support XXE Address Verification Not Allowed For Card Type XXG Global Non AVS participant YYG International Address Match amp Zip Not Compatible GGG International Address Match amp Zip Match YGG International Address No Compatible amp Zip Match XXY Address Information not verified for domestic transaction Merchant Console User Guide 95 SECTION 23 CVV2 CVC CODES CVV2 CVC Code Description M Match N No Match P Not Processed S Should be on card but not so indicated U Issuer Not Certified X No response from association NA No CVV2 CVC data available for transaction Merchant Console User Guide 96 SECTION 24 Commonly Asked Ques
51. card is issued or who is authorized to use an issued card Certificate A digital identifier linking an entity and a trusted third party able to confirm the entity s identity Certification Authority CA A trusted entity issuing certificates confirming the identity of or given facts associated with the certifi cate s subject Chargeback A transaction returned through interchange by an issuer to an acquirer A transaction may be returned because of it was non compliant with the association rules and regulations or because it was disputed by a cardholder Chargeback Period The number of days from the processing date or endorsement date transaction during which the issuer may initiate a chargeback CISP CISP is an acronym for Cardholder Information Security Program An information security standard spon sored and promoted by Visa USA that applies to any organization that stores or handles their credit card account numbers Commerce Service Provider CSP Supplies the system and services to establish the back office infrastructure for businesses Major aspects include the processing of secure transactions the developing and managing of customer relationships the collecting of payment and the delivering of products or services over the Web A CSP may provide the following services buyer authentication order taking details of what is for sale in an electronic offer Merchant Console User Guide 68 SECTION 20 GLOSSARY Cont
52. centrally billed to the card holder s organization Corporate Purchasing Card Corporate Purchasing Card is another name for corporate procurement card or procard CPS See Custom Payment Service Credit Card Gateway Credit card or internet payment B220 Credit Card Number Unique number assigned to credit card Merchant Console User Guide 69 SECTION 20 GLOSSARY Cont Credit Card Processing The general term for processing transactions against bankcards according to terms defined by Visa and MasterCard Credit Card Processor A company that performs authorization and settlement of credit card payments usually handling several types of credit and payment cards such as Visa MasterCard and American Express If merchants wish to sell their products to cardholders they retain the services of one or more processors who handle the credit cards that the merchant wishes to accept When a merchant retains the services of a credit card processor it is issued a merchant ID Credit Limit The dollar amount assigned to a cardholder to which they are approved to borrow Cryptographic Key A mathematical term or other parameter used to define how a given algorithm will transform data into ciphertext Cryptography The art or science of transforming clear meaningful information into an enciphered unintelligible form using an algorithm and a key Currency Default is USD for U S dollars This feature will be used when non U S dol
53. cted click the View button 2004 06 21 00 00 02 to view the selected batch fa Optional 2 Recommended 9 Mandatory Merchant Console User Guide 23 SECTION 9 BATCHES Batch Manger Cont PRINTING CURRENT BATCH This feature allows the printing of content in a currently viewed batch Step 1 At the top of the Batch Manager click the print button Step 2 A print window will open along with a printable version of the currently viewed batch General Options Select Printer w2 Date E mean Cardholder Cardnumber Auth AVS Amount Office Doc 12 24 2004 MARK A LOA 722 v 000077 irr P 1 08 a i 12 28 2004 Y MINK zoma 1014 A 000002 YYY P 10 83 Status Ready T Prittofile Preferences 12 28 2004 John Doe ssonooononoer 111 v 1 00 A Find Pinter f 12 28 2004 John Doe sopnoanonoonrd 949 y 000003 YYY P 12 29 2004 Smith Bob moomoo 224 v 000004 YYY M 1 00 Page Range 12 29 2004 John Doe moona 5564 v 000005 YYY P 1 00 f A 3 Number of copies fi 12 29 2004 John Doe OE5 564 v 000006 YYY P 1 00 eee ae F 12 30 2004 John Doe moomoo 111 v 000007 YYY P 1 00 ie i pi alel Bo 01 03 2005 John Doe HXXEKREXRERR2224 V 000074 YYY M 25 00 oo ene Ere 01 03 2005 John Doe sponooooKnnK2224 v 000073 YYY M 25 00 01 03 2005 John Doe mooom 224 v 000079 YYY M 25 00 01 03 2005 John Doe LOOK 2224 v 000081 YYY M 25 00 01 06 2005 John Doe OE2 224 v 000108 YYY M 25 00 3257430 01 06 2005 Tim O
54. ctions information in a file to be processed at a later time The Batch Uploader allows the merchant to just upload this file and have the sys tem run the transactions through without the merchant having to run them through manually Once all the transactions in the file have been processed the USAePay system will automatically generate a report which will include details on which transactions in the file have been approve declined and errored out All approved transactions will be automatically added to the Batch Manger of the console where they can be settled for the funds to transfer into the merchant s account Declined and Errored transactions will have details describing why it was not approved e g Invalid Card expired Card Note Refer to page 17 for Batch Manager Upload New Batch Merchant Console User Manual UPLOADI NG A BATCH Step 1 Choose File The first step in importing your transactions is to select the file you would like to import It is recommended that you use a comma seperated text format for importing If you have already setup an import filter you can save time by selecting it fram the list below Step 1 Please note if you are using Excel to create your batch field make sure to set the cell format of the ccnum colum to text before entering i ii B numbers Switching the format after entering cardnumbers could Click on Browse POWSE button to corrupt numbers open the Chose File window Impor
55. der Transaction A transaction where a cardholder orders goods or services from a merchant by telephone mail or other means of telecommunication and neither the card nor the cardholder is present at the merchant outlet MasterCard MasterCard International Inc and all of its subsidiaries and affiliates MasterCard Acquirer A member that signs a MasterCard merchant or disburses currency to a MasterCard cardholder in a cash disbursement and directly or indirectly enters the resulting transaction receipt into interchange MasterCard Card A card that bears the MasterCard symbol enabling a MasterCard cardholder to obtain goods services or cash from a MasterCard merchant or an acquirer MasterCard Issuer A member that issues MasterCard cards Merchant An entity that contracts with merchant banks or ISO s to originate transactions Merchant Agreement A written agreement between a merchant and a bank containing their respective rights duties and war ranties with respect to acceptance of the bankcard and matters related to the bankcard activity Merchant Console User Guide 76 SECTION 20 GLOSSARY Cont Merchant Bank Bank that has a merchant agreement with a merchant to accept acquire deposits generated by bankcard transactions Merchant Category Code Four digit classification codes used in the warning bulletin authorization clearing and settlement sys tems to identify the type of merchant business in various stages of t
56. dited once passed NOTE The UM field names listed in the payment form template are there only to show what UM field is used to pass for that particular value Credit Card Information This section of the payment form deals with the customers credit card information Billing Information This section of the payment form deals with the customers billing information Shipping information This section of the payment form deals with the customers shipping information Ve Optional Merchant Console User Guide N Preview ePay Form 2 _ Recommended O 000000 1 Order Summary Order Datt 5 irda Amount Order Humber Customer IF Descenption Credit Card Information Card Type Hame a on Cord Card Eding Address Card Alling Zpoode Card Murit Card Expeation Date Card ID EYY A CiD Number harhet da the Sard 17 Billing Information Company Mame First Mere L st N m Addas sddrniss Lat i City State cipi Country Phone Miuri r Email Address Shipping Information Company Name First Name Last Name Address Address Ling 2 Clty Stabe ip Country Phone hunts 3 Mandatory Customize ePay Form USA ePay Demo Wireless cal gt ib UMorderdate Menant UMinveace UMi UMderenpion viaa Mneme Mereen Ma MMYY UMbilisteat Mbise TUMbiliphona Process Payment gt gt 7 57
57. djusted in Queued Transactions To place a transaction in to queued transactions refer to page 22 Step 1 In the Amount field of the transaction to be adjusted enter the new adjusted dollar amount 1 00 The Post box will then automatically be checked iw Step 2 Click Process Changes to post the transaction with a new adjusted dollar amount Confirm Transactions You are about to capture 1 transaction for a total of 34 99 A confirmation will be displayed before Cardholder Cardnumber Authcode Orig Amount Capture Amount jason lebaron HERERMMMMERE RS 1111 000108 34 99 134 99 posting to the Batch Manager This transaction will be moved into the batch manager Are you sure you would like to continue NOTE Adjustment of the dollar amount should be done just before posting the transac tions from Queued Transactions to the Batch Manager If not posted after dollar amount change and exiting Queued Transactions menu then the new value will not take place and will default to the original dollar amount ta Optional 2 Recommended 9 Mandatory Merchant Console User Guide 34 SECTION 12 UPLOAD BATCH The Batch upload feature allows the merchant to upload a comma or tab delimited file which can contain an unlimited number of transactions to be automatically processed by the system when uploaded through the USAePay Merchant Console Usually used by ful fillment centers which collect transa
58. e chart representing the current open batch Step 1 Click on the Batch drop down menu and select the batch for which to view the graphs Step 2 A list of previously closed batches will be displayed Click on the batch to be viewed The list is formatted with year first then month and date Last is the time when batch was closed p3 Sasaz B lt 555555 Ons Paes Br a a Qa 2 By Bos 3 a a ac TH Step 3 When the proper batch is selected click the View button to view the selected batch Ws Optional 2 Recommended 3 Mandatory Merchant Console User Guide 30 SECTION 10 BATCHES Batch Summary Cont PRINTING BATCH SUMMARY This feature allows the printing of graphs in a currently viewed Batch Summary Step 1 At the top of the Batch Summary click the print button Step 2 A print window will open along with a printable version of the currently viewed Batch Summary General Options M Select Printer Add Printer Adobe PDF aseteiieeiir Microsoft Snaglt 7 Office Doc Source Tranaitis Count Status Ready Printtofile Preferences Location Comment Find Printer M Page Range All Number of copies f a Selection Curent C Pages f M Colle I I 1 2H l3 Enter either a single page number or a single pi Bi Bi page range For example 5 12 User Tranyarctisa Count Step 3 Select the proper
59. e same as any of the previous 4 passwords used Passwords must be change atleast once per 90 days Username New Password Confirm New Password Change Password Ws Optional 2 Recommended 3 Mandatory Merchant Console User Guide 54 SECTION 16 SETTINGS Users Cont User Editor Demo User Demo EDIT USER Start Page News m Edit user allows for user name change startup page V Edit change and user rights change Click on the Edit button in the User Editor to make a modification Click the Save C Save button to activate the user or Cancel Cancel button to cancel the any changes SECTION 17 SETTINGS Source Keys V Master Account full access Virtual Terminal Sale Checks void Credit E Auth Only Postauth i Quick Sale E Recurring Billing Batch Manager 7 close Batches Transaction Details E Queued Transactions Check Manager Transaction Details E Upload Manager Reports A source key is the source of a transaction and also allows an outside e commerce or P O S system to connect to the gateway SOURCE KEY S To add a source key s click on Add Source Source Key Disabled button Add Source Source Editor Pin fa Optional 2 Recommended Mandatory Merchant Console User Guide 55 SECTION 17 SETTINGS Source Keys Cont SOURCE INFO Name enter a name for the source ke
60. e the system will check back for a duplicate transaction 4 Email Blocker Blocks transactions coming from free webmail servers such as Hotmail and Yahoo It can also be configured to allow or block specific email addresses or domains Multiple Credit Cards Block transactions where more then a specified number of different card numbers are attempted on the same order number or from the same ip address This is useful for blocking people from using your merchant account to test stolen credit card numbers gt Transaction Amount This module allows the merchant to define allowable transaction amounts 4ny transactions that are not within the defined amounts are blocked If you only want to specify a minumum but no maximum enter a in the maximum field Like wise if you only want to specify a maximum but no minimum enter a in the minimum field Zip Code Verifier Verifies that the billing and or shipping zipcode matches the state city and or area code entered This will block any garbage data and force customer to enter accurate address information 2 Recommended Mandatory 61 SECTION 19 Fraud Settings ASresponse AVS Response This module allows you to select which transactions to accept based on the address verification system response Check off the responses that you will accept All others will be declined AVS RESPONSE et gS e AVS Code Allow Description Iv Address Match amp 5
61. elds A Yes you can put multiple emails separated by a comma eg email email com email2 email2 com Q When do I use Credit vs Void A You can Void ONLY when a transaction is in your Current open batch If the transaction has already been settled closed then you must use Credit to refund your customer s funds Q What does AuthOnly do vs a Sale A A Sale will authorize the card AND place the transaction into your Current batch for settlement An AuthOnly on the other hand will authorize the card and place the transaction into your Queued Transactions screen where the transaction will sit until it is captured A transaction will not be charged fully until it has been settled closed in a batch Merchant Console User Guide 97 SECTION 24 Commonly Asked Questions and Answers Cont Q What is the maximum amount of time a transaction which has been AuthOnly d sit in the Queued Transaction screen A The system allows the transaction to sit in there for a maximum of 30 days BUT usually transactions expire on the bank s end in 7 10 days Check with your merchant bank to be sure Q When would I use the PostAuth option A PostAuth is used for offline transactions Any transaction that did NOT originate on the gateway can be Posted in the PostAuth tab Most common to these types are the Voice Authorization trans actions which need to be Posted through this screen in order for the money to transfer into your account Q What
62. elect Field Ascending These are the options for how the informa Then by Select Fiat z Ascarin Then by 5electf ki Asc nding j a Hie tion in the custom reports is sorted and dis played Drop down each of the menu s and select the Ascending Descendine proper field which to sort by and which order ascending or descending Billing Phone shipping Company shipping First Name fa Optional 2 Recommended 3 Mandatory Merchant Console User Guide 47 SECTION 13 REPORTS Cont Step 4 ENTER REPORT TITLE The final step is to enter a name for the custom report Step 4 Enter Report Title This is the name they will be displayed under custom reports Click the Save dez button to com plete the custom report SECTION 14 SEARCH There are two 2 parts to the Search Transaction windows Search Database and Advanced Search QP SERCH DATABASE o m Search Database is an all in one search It ADVANCED SEARCH will search through all transactions for the Match ALL of The Following gt es a O E Equals z specified criteria o nae Equa E O Select Field Equals O Select Field v Equals Advance Search allows the user to define and O Select Field a Egas rif Find minimize the search result to a specific crite ria fa Optional 2 Recommended Mandatory Merchant Console User Guide 48 SECTION 14 S
63. ent ond seoufity and the most flexible and comprehensive MasterCard VERIFIED Seveloper s toolldts SecureCode by VISA i Lesm more F flash interactive gateway demo o GATEWAY SOLUTIONS 23 RESELLERS AND DEVELOPERS x 3 Offer your merchants the most efficient and secure payment gateway without the heavy costs Get them online today with at y d no hassles and free 24 hour tech support a Whether you need a backend processor for your company s shopping cart or need credit card processing abilities for your Pye software our full range of developer s toolkits can help a DEVELOPERS support COMPA CENTER CENTER INFORMA Mion Step 2 Click the Merchants Login button in the upper left corner to access the merchant login window RESELLERS Merchant Console User Guide SECTION 1 Logging into USAePay Merchant Console Cont VERIFIED MasterCard byVISA SecureCode USA Stepa O gt Merchant s Login In the Merchant s Login window enter your username and password and click the Log In button Username Password NOTE The username and password are case sensitive Login News Console Info Sian Up Home Lost Password E mail support ussepay com Step 4 Once logged in successfully you will be directed to the first page in the Merchant Console News News is where the merchant would read up on any new features updates or any other news concerning USAePay
64. er forms of data Also called an inte grated circuit card or a chip card SSL Secure Sockets Layer an encryption standard devised by Netscape Communications for secure commu nication over the World Wide Web Standard Floor Limit A floor limit that varies by merchant type This refers to a dollar limit on transactions above which authorization requests are required Statement A written record prepared by a financial institution usually once a month listing all transactions for an account including deposits withdrawals checks electronic transfers fees and other charges and inter est credited or earned The statement is usually mailed to the customer Stored Value Card A stored value card is a credit card sized device implanted with a computer chip with stored money value A reloadable stored value card can be reused by transferring value to it from an automated teller machine or other device A disposable card cannot be reloaded TCP IP Transport Control Protocol Internet Protocol A standard format for transmitting data from one computer to another TCP deals with the construction of the data IP routes the data from one computer to another Terminal ID In the payment card industry a number provided to a merchant by a credit card processor when that merchant retains the services of that credit card processor to uniquely identify a terminal Also some times called the terminal number A credit card processor may assign severa
65. etry a recurring transaction which is being declined A 3 Times before the person gets marked Red and the schedule for the transaction ts disabled Q Can add recurring billing for customers signing up through my website A Yes you can so by through the Gateway API s http www usaepay com devlibrary htm Q Can download reports A Yes you can download any reports within the system in Tab or Comma Delimited format Q I need more information on my reports how can I get it A You can create a report in the Custom Reports section of the Reports section Custom reports can have any fields in them can be sorted in any way you d like and can display reports for different date and time ranges They can also be downloaded and emailed at any time Q Why Am I getting an Invalid Amount error A This error occurs when you are trying to process a sale or authorization for 0 00 or less You can NOT process for less than 0 01 A transaction must be at least 1 cent to process through the sys tem Merchant Console User Guide 101 SECTION 24 Commonly Asked Questions and Answers Cont Q How does one close an account A To close an account email info usaepay com or fax 323 931 2231 a letter of cancellation which has 1 Company Name 2 Your Name 3 Date as of which the account should be closed 4 Reason for Cancellation Merchant Console User Guide 102
66. f a Batch as a register Once a transaction is authorized approved it is placed into the batch Just like a register a batch needs to be closed on a daily basis to receive the funds When closing a batch you are inturn telling the processing merchant bank to go ahead and transfer the funds from the cardholder account into your account Batch Manager Batch Summary Queued Transactions Upload Batch Upload Manager Batches also has sub categories Batch Manager Merchant Console User Manual which offer many additional fea Batch Current Batch Ey View E Print Ez E mail Tab Delimited t Export Details Date Cardholder Type Cardnumber avs cvv2 amount Auth void Q tures such as Batch Manger Batch No Transactions Found Summary Queued Transactions Total Sales 0 0 00 No batch open currently Total Credits 0 0 00 MTY Batch Total 0 00 Upload Batch and Upload Manager Each sub category provides the merchant with additional features and options b Batch Summar Card Type i by Source Source To access any of the other sub cate Batch Manager Batch Summary Gueuecd Transaction Check Manager Upload Batch Upload Manager gories within the batch roll the mouse over the sub tab tab will highlighted and click the left mouse button NOTE If a transaction was run for an incorrect amount it can be adjust ed only if the current batch has not been closed To adjust change the transaction
67. fers to a transaction processed There are three 3 types of transactions Sale Credit and Void Status This is the current result of a transaction e Approved transaction authorized e Declined transaction not authorized not enough funds card expired credit card number not valid e Error error took place during transaction card entered is not 16 digits O value for dollar amount expiration date not entered e Authorized Pending Settlement transaction authorized but not settled transaction has been pre auth raised and is pending settlement 11 16 04 John Doe 1 16 04 John Doe 11 13 04 Robert M Hadaya 11 14 04 Test T Jones 11 14 04 Test T Jones 11 14 04 Test T Jones 11 14 04 Test T Jones 11 15 04 Y MINKOVITCH Transaction Details Billing Address Customer ID First Name Last Name Company Street Street 2 City State Zip Country Phone Email Shipping Address First Name Last Name Company Street Street 2 City State Zip Country Phone e Settled transaction sent to merchant bank for processing Y KXXXXXXxxxxx5564 KXXXXXKXXXXx5564 XXXXXXXXXXXX 1740 8 XXXXXXXXXXXX2229 XXXXXXXXXX 2 220 i RXXXKXKKRXKKK2LLO XXXXXXXXXXXN2 220 ay XXXXXXXXXXXX1014 8 P 1 00 Void P 1 50 000002 75 41 000856 1 00 000857 1 00 000858 1 00 000859 1 00 000860 1 08 Void USA ePay Demo Wireless Transac
68. he functionality of the system Merchant Console User Guide 99 SECTION 24 Commonly Asked Questions and Answers Cont Q How do I create a Source Key A To create a key Go to Settings il Go to Sources Keys iii Click Add Source IV Give Your Source a Name eg Cart eStore Website V Click Save vi Copy and Paste the Key into your Shopping Cart eCommerce toolkit Q How many users can I have for my company A Unlimited Q Can each user have different access to parts of the system A Yes when setting up a user you can restrict them to different parts of the console only Master account are MAIN users which can do ANYTHING Q How many sources keys can I have A Unlimited Q How many websites can I have connected to my account through the keys A Same as the keys unlimited Q Should I use a separate key for every website store that have A Yes doing this will allow you to do reports on each key and allow you to see what transaction came from what website within the system Q What do need to do to change the company name address phone for my company A Our accounting department is the group which changes that please call in to 866 872 3729 to change or email your customer service rep Q I have a new bank account what do I do to change it with you A You contact sales at 866 872 3729 x302 You may also need to change your account information with your merchant service bank
69. here the bath file will be saved to and click the Save but ton fa Optional 2 Recommended 3 Mandatory Merchant Console User Guide 43 SECTION 13 REPORTS Cont CREDIT CARD TRANSACTION SUMMARY Annual Summary sll Mar Ape May Jun Jul Aug Sep Oct Nouv Dec Jan Feb tistical overview of all credit card transac Credits tions The report can be viewed as annual Declines Voids monthly or as daily credit card transaction Errors details Sales E Amount To view the monthly transaction details sim Te on 2003 December 63 2003 November 426 Totals 67 081 E Month Dollars Errors Declines Credits ply click on the month for which you want to 2005 February 16 233 47 36 0 1 2005 January 4 515 103 27 F Il x 2004 December 3 617 141 64 8 6 VIEW the details 2004 November 21 453 TAF 86 8 14 2004 October 1 764 47 6 7 2004 September 8 184 122 6 2 2004 4ugust 4 239 13 6 A i i A i 2004 Jul 2 656 13 Ti To view the daily transaction details simply SASER ee os 2004 May 239 5 o click on the date for which you want to view 2004 April 1 533 1 o 2004 March 1 4 n the details 2004 February 23 19 1 2004 January 98 18 20 4 2 oO 0 j j on K Ropar vitwer Monthly Summary February 2005 USA ePay Diri Winkliess Daily Summary Report Viewer Hourly Summary w rors B 7 25 ono 100 11 205 1 316 2 448 1 t9 1 16 233 j F 7 wW Hi E n
70. iew the details on a transaction If an ip is listed next to Client IP then you will be able to use this module entire tld jp domain fraud jp or subdomain Blocked Hosts eee more fraud jp To use this module your shopping cart Sic ae ie own line To block an entire network you may enter just the class c or class b For example to block 192 168 1 0 you would enter software must pass the client ip correctly To check if aao oe au woulk aniar domain com you would enter 1 a a a 1 a domain com Please note that your cart is passing the client ip view the details on a blocking on host or domain is strongly discouraged as this lookup will add significant time to each transaction transaction If an ip is listed next to Client IP then you will be able to use this module Enter each ip or host to block on its own line To block an entire network you may enter just the class c or class b For example to block 192 168 1 0 you would enter 192 168 1 To block the domain domain com you would enter domain com Please note that blocking on host or domain is strong ly discouraged as this lookup will add significant time to each transaction Optional 2 Recommended 9 Mandatory Merchant Console User Guide 62 SECTION 19 FRAUD CENTER STOPPER Cont CVV RESPONSE This module allows you to select which transactions to accept based on the result of the card This mod
71. ilable then it just means there was no response data available for the CVV since the card was decline Q Why would I get an Unable to Verify Card ID error A This error is caused when the card you are trying to process does not pass the Card ID Fraud filter you have set on your account in the Fraud Center Check your settings and the CVV result of the transaction to see why it didn t pass your criteria Merchant Console User Guide 98 SECTION 24 Commonly Asked Questions and Answers Cont Q Why would get an Your Billing Information Doesn t Match with your Card Please check error message A This error message is caused when the card you are trying to process does not pass your AVS Address Verification System fraud module which you have set in your Fraud Center inside the Merchant Console Check the AVS result of the transaction and then check your settings on the AVS Module to see if the result would pass your modules criteria for passing Q What does Unable to Retrieve Current Batch Mean A Unable to retrieve current batch means that either your account is no longer active with your mer chant bank OR if you are a new account then this message is happening due to a misconfiguration of your account in our system It is best to call our tech support and or merchant bank to make Sure your account is active and properly setup on our system Q What are my costs for the transactions A Every merchant bank charges differe
72. ille Invalid Transaction Count Value 10012 Processing Error Please Try Again 12 Error from FDMS Nashville Invalid Terminal Type 10013 Processing Error Please Try Again 13 Error from FDMS Nashville Invalid Terminal Capability 10014 Processing Error Please Try Again 14 Error from FDMS Nashville Invalid Source ID 10015 Processing Error Please Try Again 15 Error from FDMS Nashville Invalid Summary ID 10016 Processing Error Please Try Again 16 Error from FDMS Nashville Invalid Mag Strip Data 10017 Invalid Invoice Number 17 Error from FDMS Nashville Invalid Invoice Number 10018 Invalid Transaction Date or Time 18 Error from FDMS Nashville Invalid Transaction Date or Time 10019 Processing Error Please Try Again 19 Error from FDMS Nashville Invalid bankcard merchant number in First Data database 10020 Processing Error Please Try Again 20 Error from FDMS Nashville File Access Error in First Data database 10026 Merchant has been deactivated 26 Error from FDMS Nashville Terminal flagged as Inactive in First Data database Merchant Console User Guide 90 SECTION 21 ERROR CODES Cont 10027 Invalid Merchant Account 27 Error from FDMS Nashville Invalid Merchant Terminal ID combination verify numbers are accurate 10030 Processing Error Please Try Again 30 Error from FDMS Nashville Unrecoverable database error from an authorization process usually means the Merchant Terminal ID was already in
73. ion Required fields Post Auth vTerminal Entering credit card information Required fields Quick Sale Entering credit card information Required fields Recurring Billing Adding new customer Merchant Console User Guide Page 1 Page 1 Page 2 Page 3 Page 3 Page 3 Page 4 Page 4 Page 4 Page 5 Page 5 Page 5 Page 6 Page 6 Page 6 Page Page Page Page 8 Page 8 Page 8 Page 9 Page 9 10 INDEX 2 SECTION 8 Cont Recurring Billing Customer information Billing schedule Schedule enabled Schedule Start End Num left Amount Source User Credit card payment Send customer receipt Notes Recent billing history All customers Sorting Key Legend Deleting customer SECTION 9 Batches Batch manager Viewing Unlocking credit card number AVS CVV2 CID Merchant Console User Guide Page 10 Page 10 Page 10 Page 10 Page 10 Page 10 Page 10 Page 10 Page 10 Page 11 Page 11 Page 11 Page 12 13 Page 12 14 Page 14 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 SECTION 9 Cont INDEX 2 Batches Visa MasterCard Discover American Express Void Quick Queued transaction placing into Batch summary transactions Summary by card type Batch summary by source View previous batch Printing batch E mail batch Export batch Closing batch Transaction details Transaction results Transaction ID Type Status Batch Auth code AVS result CVV2 result Transaction
74. ith the financial credit card transaction The supplemental information typically includes data elements like a Customer Code Invoice and Order number Part Number Item Description Quantity Unit of Measure Unit Price etc Level 3 Level Ill is a feature associated with purchase card or purchasing card pro grams Line Item Detail Line item detail is the specific information that is carried in a Level 3 Level III purchase card or pur chasing card transaction The supplemental information typically includes data elements like a Customer Code Invoice and Order number Part Number Item Description Quantity Unit of Measure Unit Price etc Merchant Console User Guide 75 SECTION 20 GLOSSARY Cont Magnetic Stripe A stripe of magnetic information affixed to the back of a plastic credit or debit card It contains customer and account information required to complete electronic financial transactions The physical and magnetic characteristics of this stripe are specified in the International Organization for Standardization standards 7810 7811 and 7813 Magnetic Stripe Reader A device that reads information from the magnetic stripe and transmits that information to a transaction processor or computer terminal Also referred to as card reader Magnetic Stripe Terminal A terminal that reads the magnetic stripe on a plastic card Mail Phone Order Merchant A merchant that transacts business by mail or phone Mail Phone Or
75. ivity that can be submitted to the clearing system User Authentication Process of validating that a user is who they represent themselves to be User ID The identity of the person authorized to log on to the system Validation Code A unique 4 character value that VISA includes as part of the CPS ATM program in each authorization response to ensure that key authorization fields are preserved in the clearing or settlement record Visa Visa International Service Association and all of its subsidiaries and affiliates Visa Acquirer A member that signs a Visa merchant or disburses currency to a Visa cardholder in a cash disbursement and directly or indirectly enters the resulting transaction receipt into interchange Visa Card A card that bears the Visa symbol enabling a Visa cardholder to obtain goods services or cash from a Visa merchant or an acquirer Merchant Console User Guide 83 SECTION 20 GLOSSARY Cont Visa Commerce Visa Commerce is a newly released offering by Visa to Support corporate card programs by allowing the buyer and seller to establish the trading rules supporting their businesses Visa Issuer A member that issues Visa Cards Visa Merchant A merchant that displays the Visa symbol and accepts all Visa cards Visanet The systems and services including the V I P system and BASE II through which Visa delivers online financial processing authorization clearing and settlement services to members
76. l terminal IDs to a given merchant s terminals although that merchant has a single merchant ID with that processor Third Party Transaction Processor An entity that validates and authorizes credit card purchases They may also service the actual accounts on behalf of the issuers emboss cards and mail cards to cardholders Merchant Console User Guide 82 SECTION 20 GLOSSARY Cont Transaction 1 any agreement between two or more parties that establishes a legal obligation 2 the act of carry ing out such an obligation 3 all activities that effect a deposit account that are performed at the request of the account holder 4 All events that cause some change in the assets liabilities or net worth of a business 5 Action between a cardholder and a merchant or a cardholder and a member that results in activity on the cardholder account Transaction Identifier A unique 15 character value that VISA assigns to each transaction and returns to the Acquirer in the authorization response VISA uses this value to maintain an audit trail throughout the life cycle of the transaction and all related transactions such as reversals adjustments confirmations and chargebacks Transaction Processor An entity that validates and authorizes credit card purchases They may also service the actual accounts on behalf of the issuers emboss cards and mail cards to cardholders Transaction Type A specific type of financial detail transaction act
77. lars are used in a transaction Custom Payment Service CPS Visa s regulations for the information that must be submitted with each transaction Transactions must meet CPS criteria in order to qualify for lowest transaction processing fees available Similar to MasterCard s Merit system Customer Code A 17 character alphanumeric field that is used with Purchase Card transactions The code is typically defined by the customer cardholder and used for accounting or project tracking purposes Data Capture Also known as electronic draft capture EDC or draft capture A data processing term for collecting for matting and storing data in computer memory according to predefined fields for example customer name account number and dollar amount of purchase When a terminal reads this information from a plastic card or from entries at a terminal the information is stored in computer memory for later output as a hard copy printout or as soft copy on a CRT display See Electronic Draft Capture Merchant Console User Guide 70 SECTION 20 GLOSSARY Cont Data Encryption Standard DES DES A cryptographic algorithm adopted by the National Bureau of Standards for data security The algo rithm encrypts or decrypts 64 bits of data using a 56 bit key See also Triple DES Data Integrity Measures to prevent unauthorized alteration of data Debit A charge to a customer s bankcard account A transaction such as a check automated teller machi
78. licate Records information is detected a Duplicate The system found 4 records that match previously approved l l l records This represents 100 of your batch and may Records window will be displayed To cancel indicate a duplicate batch Are you sure you would like ta continue the upload DO NOT click the Continue button just select any other tab to exit out of the Batch Upload Ws Optional 2 Recommended 3 Mandatory Merchant Console User Guide 38 SECTION 13 USAePay s built in reports and statistics are some of the most complete detailed and user friendly part of the console Whether you need a report for the year month day or just an hour the USAePay reporting system can display the information you need numer ically and graphically Reports can be printed or exported via e mail and fax Report Yiewer Reports Menu I gt PRE MADE CREDIT CARD REPORTS The report viewer is broken down Credit Card Transaction Summary i i Errors by Date Declines by Date Sales by Date Into two 2 sections Pre made Errors by Source Declines by Reason Sales by Source Errors by Reason Declines by Source Sales by Cardtype cred it Ca rd re po rts a nd Custom O Errors by User Declines by User Sales by Users reports CUSTOM REPORTS Test Report i i PRE MADE CREDIT CARD REPORTS Pre made credit card reports are broken down into three 3 categories Errors Decline
79. ling zip code ZipCodeVerification database came up with a conflict Merchant Console User Guide 92 SECTION 21 ERROR CODES Cont 10110 Billing city does not match billing zip code ZipCodeVerification database came up with a conflict 10111 Billing area code does not match billing zip code ZipCodeVerification database came up with a conflict 10112 Shipping state does not match shipping zip code ZipCodeVerification database came up with a conflict 10113 Shipping city does not match shipping zip code ZipCodeVerification database came up with a conflict 10114 Shipping area code does not match shipping zip code ZipCodeVerification database came up with a conflict 10115 Merchant does not accept transactions from country pCountry module blocked transaction 10116 Unable to verify card ID number CVV2 CID etc result was blocked by CVVresponse fraud module 10117 Transaction authentication required The merchant has set a pin for this transaction but the api did not receive a UMmd5hash They need to either upgrade their software to send the hash or they need to remove the pin on the source 10118 Transaction authentication failed The UMmd5hash did not match the hash that was calculated for the transaction 10119 Unable to parse mag stripe data Could not determine the mag data format that was sent in 10120 Unable to locate valid installation Please contact support A wireless transaction came in with an install id
80. lter on Field Match ALL of The Following Select Field Equals Select Field Equals Select Field Equals Select Field Equals Select Field Equals Step 2 Select Fields Available Choices Your Selections Selected Fields Error Message v Step 3 Choose Sort Order Sort first by Select Field v Ascending Then by Select Field Ascending Then by Select Field Ascending Then by Select Field Ascending Step 4 Enter Report Title A fa Optional 2 Recommended Mandatory Merchant Console User Guide 45 SECTION 13 REPORTS Cont Transaction Results Select one or all options in the transaction result to display approvals declines or and errors in the custom report Filter on Field This option allows the search to be fine tuned for specific transaction detail The Filter on Field drop down menu allows for the following two 2 options Match ALL of The Following Match ANY of the Following Match ALL of The Following will search for exact fields when searching the database Match ANY of the Following will search for any specified field when searching the database Click on the Select Field drop down menu and pick the field for which a search will be per formed Then pick the proper value from the Equals field menu In the empty box field enter the field key work to search fo
81. ly is used mostly with products that are not given shipped directly after a transaction sale has taker place ex Custom order back order special order NOTE Use caution when using AuthOnly Every time an AuthOnly is used the amount pre authorized will be reserved from the customers account therefore limiting their available balance on their credit card account Yirtual Terminal AuthOnly Sale Post4uth Card Holder Card Number Expiration Authorization Amount Invoice Description Billing Street Billing Zip CY 2 C C Step 1 Auth Only is similar to entering a Sale Enter the Card Holder Name Card Number Expiration Date and Authorization Amount charge amount These fields are required and must be entered to process an AuthOnly Invoice Description Billing Street 2 Billing Zipl 2 and CVV2 CVC 1 2 are optional entries NOTE For e mail receipt settings refer to page 52 Step 2 Once all the proper information is entered click the Process Process button to process the transaction When successfully processed the AuthOnly transaction will be stored in Queued Transactions NOTE Refer to page 34 for Queued Transactions a Optional 2 Recommended 3 Mandatory Merchant Console User Guide 6 SECTION PostAuth is the post process of AuthOnly Once a transaction has been pre authorized Auth Only Post Auth function allows the merchant to manually finalize the
82. mount Invoicet po Descriptiont Billing Address 2 and Zip Codel 2 are optional entries Merchant Receipt and Customer Receipt should be entered if an e mail confirming the sale is requested NOTE For e mail receipt settings refer to page 52 Step 2 Once all the proper information is entered click the Process Process button to process the transaction NOTE Entering Street Address Zip Code and CVV2 CVC fields are strongly recom mended to get the best possible transaction rate from your processing bank t Optional 2 Recommended 3 Mandatory Merchant Console User Guide 3 SECTION 3 Credit is a refund Credit only applies if a transaction has previously taken place and the funds have been transferred from the customers account in to the merchant account A credit can only take place if a batch has been closed settled NOTE If a batch has not been settled close then the transaction can be voided Refer to page 21 to void a transaction Yirtual Terminal Credit 4uthonly Post4uth Card Holder Card Number PO Expiration in MINTY Credit Amount PO Invoice Po Description Pe Merchant Receipt Customer Receipt Credit Step 1 Enter the Card Holder Name Card Number Expiration Date3 Charge Amount3 These fields are required and must be entered to process a credit Invoice and Description are optional entries Merchant Receipt and Customer Receipt should be entered if an e m
83. ms are man aged by Visa and MasterCard associations according to their requirements and are very standardized so banks and merchants worldwide can use them Interchange Fee A fee paid by the acquiring bank merchant bank to the issuing bank The fee compensates the issuer for the time after settlement with the acquiring bank merchant bank and before it recoups the settlement value from the cardholder Interchange Rate Interchange rates are baseline costs established by the two bankcard associations Visa and MasterCard on behalf of their member banks that set the foundation costs which makeup the merchant s bank card processing fees Additional fees may be added by the merchants acquiring bank to reach a final rate called the discount rate Interchange Reimbursement Fee One of the following A fee that an acquirer pays to an issuer in the clearing and settlement of an inter change transaction based on either the standard paper based rate or electronic rate A fee that an issuer pays to an acquirer for making a cash disbursement to a cardholder or check purchaser Internet A global public network consisting of millions of interconnected computers all linked together using the Internet Protocol Internet Payment Gateway An Internet payment gateway is a centrally managed service that offer merchants the ability to process credit card transactions into the credit card networks Typically the credit card data uses the Internet as a method
84. n is used ONLY for voiding transactions A transaction can ONLY be voided if the batch that contains the to be voided transaction has not been closed To void a transaction Step 1 Click on the box for which a transaction is to be voided Step 2 Click on the Process Changes button to continue a void Confirm Transactions Step 3 You are about to Yoid 1 transaction Are you sure you would like to A Confirmation will be displayed ewe Okay Step 4 Once a void is complete an orange circle with a curved arrow will be placed in place of the check box which was used to select a void NOTE Once a batch has been closed only a Credit can be issued A transaction cannot be un voided from a previously closed batch Ms Optional 2 Recommended Mandatory Merchant Console User Guide 21 SECTION 9 BATCHES Batch Manger Cont ol This column allows a transaction to be placed into Queued Transactions To place a transaction Into Queued Transactions Step 1 Click on the to be Queued Transaction icon for which a transaction is to be Queued Confirm Transactions YOU are about to queue the transaction id 2919218 This will place Step 2 the transaction in your Queued Transactions screen Are vou sure EID CZD Step 3 To proceed with the Queuing of the transaction click the Okay button Okay O ta Optional 2 Recommended Mandatory Merchant Console User Guide 22 SECTIO
85. ncy to a supplier Http Hypertext Transfer Protocol HTTP is a client server protocol for delivering hypertext material across an internet HTTP is stateless when a client makes multiple requests to a single HTTP server each request is treated independently HTTP servers do not remember the earlier requests The stateless protocol allows HTTP servers to respond to requests quickly Https Hypertext Transfer Protocol Secure A variant of HTTP for handling secure transactions Browsers that support the URL access method https connect to HTTP servers using SSL https is a unique protocol that is simply SSL underneath HTTP Use https for HTTP URLs with SSL and http for HTTP URLs without SSL The default https port number is 443 Merchant Console User Guide 73 SECTION 20 GLOSSARY Cont Hyperlink An active cross reference from one resource to another The cross reference is called active because it is presented in a medium which allows the reader to follow it for example by mouse clicking it A reader can follow hyperlinks in an HTML document using a Web browser or navigate through online help or fol low hyperlinks between terms defined in a Independent Service Organization ISO ISO In the payment systems industry a third party organization that facilitates merchant registration to accept charge or credit cards Interchange The exchange of information transaction data and money among banks Interchange syste
86. ne ATM withdrawal or point of sale POS debit purchase that debits a demand deposit account Deciphering Conversion of ciphertext back into plaintext Decryption Decryption is the process of transforming ciphertext back into plaintext It is the reverse of encryption Decryption Key See key Deposit Process of transmitting a batch of transactions from the merchant to the acquiring institution in prepara tion for settlement DES Data Encryption Standard A cryptographic algorithm adopted by the National Bureau of Standards for data security The algorithm encrypts or decrypts 64 bits of data using a 56 bit key See also Triple DES Digital Signature A data element allowing the recipient of a message or transaction to verify the content and sender 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 This is the percentage rate that a merchant institution charges the merchant giving deposit credit for handling merchant sales drafts or electronic sales transmissions The discount fee is the dollar amount charged Merchant Console User Guide 71 SECTION 20 GLOSSARY Cont Draft Capture The act of electronically capturing transactions See Electronic Draft Capture DSA Digital Signature Algorithm the algorithm used in creating the digital signature for a given message or transaction Electronic Authorization
87. nt fees We recommend you check with your merchant bank to find out your fees Q After process a sale is there anything else need to do A Yes at the end of the day once you are done processing your sale you do need to close or settle your batch You may do so in the Batches screen of your console by clicking the Close This Batch button Once the batch is closed the funds go to your merchant bank for deposit You may also set your batches to auto close in the Settings section of your console Q Once the batch is closed how long till get the monies in my account A Usually banks take 2 3 business days for a batch to deposit Every merchant bank is different so you may want to check with yours for more details Q Dol have to manually close the batch or can I set it to auto close A You can do either Our system allows you to set it to auto close in the Settings window of the con sole or you can set it to Never auto close and close it manually Q Can I get a report every time my batch closes A Yes You can set it to email you a report under Settings by putting in an email or multiple emails in the Send Batch Reports to field available Q What is the Compact Mode under the Settings A Compact mode is what would turn off any confirmation screen messages on the console Message that are something like Are you Sure will not show up in Compact Mode We do NOT recommend you check this box unless you are VERY familiar with t
88. pping First Hame fa Optional 2 Recommended 3 Mandatory Merchant Console User Guide 36 SECTION 12 UPLOAD BATCH Cont Step 5 An upload confirmation window will be displayed summarizing number of columns transactions to import and errors if any Click the Finish Upload Finish Upload button to continue Step 6 An Import Completed window will be displayed after the batch has been uploaded An option of sav ing a Map Fields template is available and is recom mended for quicker future batch uploads To save Map Fields as a template simply enter the name for the template in the Save Import As and click save Save Import PO Save as Once the template is saved an Import Saved win dow will be displayed From here the merchant has an option of either importing another file for batch processing or go directly to the Uploads Manager Step 3 Confirm Import The folowing is a preview of what will be Imported Please confirm the information and click finish to import your transactions Na data has been imported yet Text Tab Delimited File Size Ok 4 products Columns 7 Transactions To Import 4 Errors g Finish Upload File Type Your import has completed Below are the results of the import If you are going to Import another file with this format you may want to save your field mappings Transactions Imported 4 Errors 0 Save Import PO eee
89. printing device and click the Print button Step 4 Click the back button in your browser to return to the Batch Summary E Optional 2 Recommended 3 Mandatory Merchant Console User Guide 31 SECTION 10 BATCHES Batch Summary Cont E MAIL BATCH SUMMARY This feature allows a currently viewed Batch Summary to be e mailed Step 1 At the top of the Batch Summary click the e mail button Step 2 ma Po a a Email To An e mail windows will be displayed ai Subject Batch ID 188930 tt t lt i lt CSs Message Step 3 Enter the merchants e mail and also enter the e mail address where the batch will be sent to Send Email Recent Step 4 Click Send Email to send the e mail A con Email sent to info usaepay com firmation will be displayed Return to Reports Ue Optional 2 Recommended 3 Mandatory Merchant Console User Guide 32 SECTION 11 O10 SC DE EVS Queued transactions stores preauthorized transactions The gateway will authorize the charge but instead of putting the charge into the merchant s batch the charge is placed on the Queued Transactions screen The merchant then has up to 30 days day s vary by bank to post the transaction This allows a merchant to verify that the customer s card is good and that they have the funds available The merchant then post the charge once they have shipped the merchan dise Queued transactions also allows
90. r Transaction Types 4uth Only Shown in Queued Transactions Screen W Pending Shown in a Open Batch M Settled Shown in a Closed Batch 0 voided Credits W Pending Shown in a Open Batch M Settled Shown in a Closed Batch voided ransaction Result Wo Approvals Declines Errors ilter on Field Match ALL of The Following Select Field Equals Select Field Equals ZN ZN Select Field Equal X A 5elect Field Equals po Equals Contains Is Greater Than Is Less Than Does Not Equal starts vyvith Billing Phone shipping Company shipping First Hame fa Optional 2 Recommended Mandatory Merchant Console User Guide 46 SECTION 13 REPORTS Cont Step 2 Select Fields Step 2 Available Choices Your Selections Selected Fields SELECT FIELDS From the Available Choices select the field s that will be displayed in the report for i CWZ Result each transaction displayed Error Message Click the Add button to add the selection to Your Selections or Remove button if you want to remove the selection from Your Selections box To change the order of the displayed information select the field to be moved up or down and click Q the up or down arrow to move the field to its proper locations Step 3 CHOOSE SORT ORDER Step 3 Choose Sort Order Sort first by S
91. racters long Must include atleast one letter and one number the user must have master user Can not be the same as any of the previous 4 passwords used Passwords must be change atleast once per 90 days rights enabled N OTE 7 Usemame Current Password New Password Cc h ara cte rs lo n g n Confirm New Password Must include atleast one letter Change Password and one number Passwords must be atleast 6 Can not be the same as any of the previous 4 passwords used Passwords must be change atleast once per 90 days ta Optional 2 Recommended 3 Mandatory Merchant Console User Guide 60 SECTION 19 The Fraud Stopper allows merchant to block out suspicious transactions and customers through an advanced easy to use control panel It also allows the fraud filter to be applied universally across the board or to a specific source FRAUD SETTI NGS If a transaction has never been run through the USAePay Merchant Console then only the Universal Fraud Modules will be displayed Fraud settings contains displays any source that is connected to the gateway Transaction run through directly through the merchant console Sale Credit Quick Sale Recurring will automati cally generate a source key and will be placed into the fraud settings For an outside source to be listed in the fraud settings a source key must be generated first and a name for the source key must be assigned Once a
92. ransaction processing Merchant Depository Account Demand deposit account established by a merchant with the acquiring bank to receive payment for sales drafts submitted to the bank card plan Merchant ID In the credit card industry a merchant ID is a number provided to a merchant by a credit card processor when that merchant retains the services of that processor Also sometimes called the merchant number Merchant Number A series or group of digits that uniquely identifies the merchant to the merchant signing bank for account and billing purposes Merit MasterCard s requirements for obtaining favorable interchange rates Similar to CPS requirements by Visa MO TO See Mail Order Telephone Order Multiple Transaction Processing Multi Trans Electronic communications process where multiple authorization requests and responses are exchanged during a single phone connection with the third party transaction processor On Us Transaction A transaction where the issuer and the acquirer are the same An on us check would be one in which a depositor s check is presented for payment at the same financial institution that carries the account on which the check is written Open To Buy Amount Dollar amount of credit remaining for customer at the time of authorization Merchant Console User Guide 77 SECTION 20 GLOSSARY Cont Order Number A 17 character alphanumeric field that may be used between the Cardholder and the Merchant
93. ransactions processed from recurring billing Unlike recent billing history which only displays the most recent transactions billing history will display every recurring transaction Billing History Date CompanyAmount Result Reason from day one Billing history also defines an 11 17 04 4 99 A 11 17 04 4 99 error code so to let the merchant know why a 11 17 04 69 99 11 17 04 4 99 11 12 04 69 99 Card Declined 11 11 04 469 99 Card Declined 08 10 04 49 95 Invalid Card Number 3 FN Details 08 09 04 49 95 Invalid Card Number 3 FN Details credit card was not processed Ws Optional 2 Recommended 3 Mandatory Merchant Console User Guide 13 SECTION 8 RECURRING BILLING Cont All Customers AL L C U STO M E R S Company Last Name Amount Due Next Doe Jane Doe 4 99 12 17 2004 This is a list of all customers that are set for recurring billing Customers Man Spider Man 69 99 12 17 2004 Rabit Roger Rabit 4 99 12 17 2004 are color coded for easy reference of Key Enabled Running Declined Retrying F Failed Disabled the status of their account SORTING Last Name Amount Due Next To sort all customers by their Company Last im Name Amount or the Due Next next scheduled billing date roll the mouse over the field which to sort by the field will then be highlighted and click the mouse nd KEY A legend Key is provided to define the status of the customers account Ena
94. red during a transaction Amount Dollar amount of the transaction Tax Amount of tax charged NOTE used for commercial credit cards ONLY Cardholder Customers first and last name as appears on the credit card Card number Credit card number used in the transaction Displays only the last 4 digits Also displays type of credit card used for transaction NOTE to view full credit card number refer to Section 9a Card number Expiration Date Displays credit cards expiration number NOTE to view full credit card number refer to Section 9a Card number AVS Street Customers address entered as appears on credit card statement AVS Zip Customers zip code as appears on the credit card statement User User name of individual processing the transaction Source Displays where the transaction originated from NOTE Refer to page 55 for Source Keys Server IP The merchant server Client IP IP address where the order was placed from fa Optional 2 Recommended 9 Mandatory Merchant Console User Guide 29 SECTION 9 BATCHES Batch Manger Cont Billing Address Displays the billing address as entered in to Quick Sale Shipping Address Displays the shipping address as entered in to Quick Sale SECTION 10 BATCHES Batch Summary Batch Summary is a set of graphs used to represent credit card transactions These graphs can be printed and e mailed By default the Batch Summary will always display th
95. rom o Reply To o customer is able to reply directly to the mer Subject Prefix Reply To By entering an e mail address the chant if nessasary Subject Prefix The information entered into the subject prefix will be displayed as the e mails subject SECTION 10 Habis osor caror M In this portion of the settings console users Demo x 12 02 2004 AE E AN can be created edited assigned user rights and deleted ETA ADD USER Step 1 Click on Add User button fa Optional 2 Recommended 3 Mandatory Merchant Console User Guide 52 SECTION 16 SETTINGS Users Cont Step 2 USER INFO User Enter the user name O Master Account full access New Password Virtual Terminal Start Page News Sale Checks New Password Enter a password Start Page Displays the start up page once a Void Credit user is logged into the Merchant Console Drop Auth Only down the selection box to choose a different pean Quick Sale start up page Default start up page is News Recurring Billing Batch Manager Close Batches Virtual Terminal Sale irtual Terminal Credit Virtual Terminal PreAsuth Virtual Terminal Post4uth Transaction Details Queued Transactions Check Manager Transaction Details Virtual Terminal oid Quick Sale Reports Batch Manager Recurring Billing Upload Manager Upload Manager Reports Step 3 PERMISSIONS
96. ry similar to the image above There are two parts to recurring billing one is the recent billing history and the other is all customers Recent billing history will display the most recent transactions done within recurring billing and all customers will display just that all customers billed through recurring billing and the status of the account Step 1 To set up a customer for recurring billing click the Add Customer led ery 9 Button te Optional 2 Recommended Mandatory Merchant Console User Guide 9 SECTION 8 RECURRING BILLING Cont Step 2 CUSTOMER INFORMATION Company Schedule Enabled V i i A P Schedul v For the customer information fill in all available Perey chedule Monthly z LastName Start 12 02 2004 information This information is kept for your address et fieyoeeon Address2 TO Num Left all records and will also be available in the details of a City T amount State o Source Recurring transaction a use aan NOTE Refer to page 28 for transaction details ee Phone Card Num p00 Fax Expiration hoo step 3 Web Site LD BILLING SCHEDULE mil S Gor Send Customer Receipt Schedule Enabled If box is checked then recur Receipt Message ring billing will take place for that particular cus tomer Schedule In the schedule drop down menu select Monthly the rate at which the customer will be billed Monthly billing is set as defaul
97. s up enables the merchant to process transactions Address Verification Service AVS A method of reducing fraud in mail order telephone order transactions by using cardholder billing address information in the authorization request American Express A financial organization that issues their own charge and credit cards American Express also performs their own transaction processing within their own processing network API Application program interface Application Layer The layer of the ISO Reference Model which provides communication between applications Application Security The provision of security services within user applications running above the Application Layer of the ISO model Approval Response An authorization response received when a transaction Is approved ASCII American Standard Code for Information Interchange The standard system for representing letters and symbols Each letter or symbol is assigned a unique number between 0 and 127 Merchant Console User Guide 66 SECTION 20 GLOSSARY Cont Authentication The process of assuring that data has come from its claimed source or of corroborating the claimed identity of a communicating party Authorization The act of insuring that the cardholder has adequate funds available against their line of credit A positive authorization results in an authorization code being generated and those funds being set aside The cardholder s available credit limit is
98. s and Sales Each category is then broken down to four 4 sections User Reason Source and by Date By clicking on any of the pre made report categories the reports will be filtered to display only the desired information To view a pre made report simply click on the desired report option fa Optional 2 Recommended 9 Mandatory Merchant Console User Guide 39 SECTION 13 REPORTS Cont The format for all of the transaction reports will Transactions Report Approvals 12 11 2004 01 10 2005 Grouped By date Start 12 11 2004 End 01 10 2005 UE apie SNe Tab Delimited A look very similar to the one displayed on the right All pre made reports will display the Time Maliki Customer Card Number Amount Source Auth i 07 13 12345 John Doe XXXXXXXXXXXXI564 1 00 nsoftware 000141 Invoice Cardholder Card Number Amount O7F 11 12345 John Doe XXXXXXXXXXXXI564 1 00 nsoftware 000140 Total for 01 10 05 2 00 Source and the Auth Authorization Number dpI GC1 6 Test Tester XXXXXXXXXXXX2223 54 52 Total for 01 09 05 54 52 Next to each authorization number IS a transaction eee Test User XXXXXXXXXXXX2223 57 60 EscapeVacation 000138 10 31 Gius XXXXXXXXXXXXIIE4 12 99 Wireless B42CFGE5F 000124 detail icon j By clicking on the icon transaction Total for 01 08 05 70 59 01 07 05 15 56 XXXXXXXXXXXXLO1L4 1 08 Wireless ec9eccaacd 000111 detail will be displayed for that particular transac Total for 01 07 05 1 08 01 06 05 07 26
99. s the type of credit card during a transaction V Visa M Mastercard DS Discover A American Express VIEWI NG UNLOCKING CREDIT CARD NUMBER cardnumber The Card number column displays the credit card number used in the transaction The credit number will be concealed except for the last 4 digits for security purpose To unlock and view the full credit card number including the expiration date Step 1 Click on the pad lock Step 2 You will then be asked to enter your master pass word to access the credit card information This is Please enter your password for verification the same password used in logging into the Continue Merchant Console Step 3 Click the Continue button The full credit card number along with the expiration date will be displayed Ws Optional 2 Recommended 9 Mandatory Merchant Console User Guide 18 SECTION 9 BATCHES Batch Manger Cont avs Address Verification Service This is a credit card fraud prevention system which was developed to assist merchants by verifying the address of American customers By submitting the credit card billing address and the corresponding Zip code with the authorization request payment processing systems which use AVS can compare existing records with the order If the billing address and the zip code in the card issuer s records matches the billing address and the zip code submitted a degree of certainty is crea
100. sas Vo XXXXXXRKXKXK1111 9 Yyy P 233 00 000176 M ES 11 30 04 Vo XXXXKXXXRKRK2224 YY M 1 00 000178 M Step 1 g ei 11 30 04 Y XXXXXXXXXXXX2224 YY M 1 00 000179 Located at the bottom of the Batch Manager aii A ee Tk EE 11 30 04 Y XXXXXXXXXXXX2224 YY M 2 00 000181 T V MXRXRXRKRKRKZZ24 YY M 1 00 000182 P Y rr E XXXXXXKXXXXX2224 z b v v v v amp v v Step 2 To close the batch click on the Close This Batch button Close This Batch Step 3 g Close Batch Result Once a batch has been closed a Close Batch Report Batch Closed Succesfully Total Sales 294 02 18 Total Credits 0 00 0 will be displayed NOTE To view a previously closed batch refer to page 23 ta Optional 2 Recommended 3 Mandatory Merchant Console User Guide 27 SECTION 9 BATCHES Batch Manger TRANSACTION DETAIL Cont Transaction details is just that details of a transaction Transaction details can be viewed from various screens in the Merchant Console and its icon may vary Details or Batch Manager USA ePay Demo Wireless Batch CurrentBatch Dee atm sat Tab Delimited JSS To view the transaction details from the gil batch manager click the details button Transaction Result Transaction ID This is a unique number assigned to each transaction It is a randomly generated number which allows the merchant to track a transaction Type Type re
101. se is used by some organizations as an abbreviation for Procurement Card ProCard uppercase is the name of a company that provides software and services to some issuing banks Processing Date The date on which the transaction is processed by the acquiring bank Merchant Console User Guide 79 SECTION 20 GLOSSARY Cont Procurement Card Procurement Card s or purchase cards purchasing cards are one type of corporate commercial card They are typically issued to individuals that have the authority to make purchases on behalf of their organization expenses are centrally billed to the cardholder s organization Public Key A cryptographic key which is used for data encryption and which cannot be used for decryption Public keys can be freely published Public Key Cryptography A form of asymmetric encryption where all parties possess a pair of keys one private and one public for use in encryption and digital signing of data Purchase Card Purchase Card s or procurement cards purchasing cards are one type of corporate commercial card They are typically issued to individuals that have the authority to make purchases on behalf of their organization expenses are centrally billed to the cardholder s organization Purchasing Card Purchasing Card s or purchase cards procurement cards are one type of corporate commercial card They are typically issued to individuals that have the authority to make purchases on behalf of
102. source is placed into the fraud settings it will fall under below the Universal Fraud Modules A fraud module added to the Universal Fraud Modules will affect all sources below NOTE It is recommended that fraud fil ters are applied directly to the source instead of the universal fraud modules Weg Optional Merchant Console User Guide Fraud Settings pmen 4 Universal Fraud Modules Fraud Settings E gt DA No Modules Found In Stack i AVS Response This module allows you based on the address off the responses that declined Block By Host or IP This module will block t address 192 0 0 1 a a host address hacker domain fraud jp or g this module your shopp ip correctly To check if the details on a transal IP then you will be abl Card ID Checker This module allows you based on the result of t etc Check off the resp will be declined Country Blocker Blocks or allows transa originate in The locatio address which is check use this module yours to the gateway Duplicate Detection This module detects and blocks duplicate transactions This is useful for shopping carts that do not catch when a user has accidentally double clicked on the order button The system uses the last 4 digits of the card number the transaction amount and the invoice number to determine if a duplicate transaction has been submitted You must sepecify the length of tim
103. sult and POST to URL Approved URL Declined URL Homepage URL Payment methods Declined templates SSL client certificate Change Password Master Fraud Center Stopper Fraud settings Merchant Console User Guide AVS response Block by host or IP CVV response IP country blocker Duplicate detection Email blocker Blocked emails Allowed emails Multiple card tries Ticket Amount Zip code verifier Page 58 Page 58 Page 58 Page 58 Page 59 Page 59 Page 59 Page 60 Page 61 Page 61 Page 62 Page 62 Page 63 Page 63 Page 64 Page 64 Page 64 Page 64 Page 65 Page 65 Page 65 INDEX 2 SECTION 20 SECTION 21 SECTION 22 SECTION 23 SECTION 24 Glossary Error Codes AVS Codes CVV2 CVS Codes Commonly Asked Questions And Answers Merchant Console User Guide Page 66 Page 85 Page 95 Page 96 Page 97 I 10 SECTION 1 Logging into USAePay Merchant Console NOTE Before proceeding with the login into USAePay Merchant Console have your user name and password at hand The username and password were provided to you as an attachment via e mail Step 1 Using your web browser go to www usaepay com RESELLER DEVELOPERS SUPPORT COM PROGRAMS CENTER CENTER IMBORMLATION Pa y USA 2 ore Company LUTION Busi RESt mel 7 ki USA oPay is proud to be leading a 2 5 The way in the future of real time credit OCRSsing gateway solutions with the highest fraud managem
104. t Start End The start and next are the dates when billing will take place In the start date enter the date when billing will begin For the next date enter the same value as the start date After the first billing cycle the next date will advance auto matically to the next scheduled billing date Num Left The Number Left is the amount of times that the customer will be billed automatically The default value is set to asterisk which means indefinetly For example a customer is to be billed 18 months then change to 18 Once the defined duration has expired the recurring billing for that cus tomer will cease Amount Enter the dollar amount to be charged Source When viewing details of a transaction a source is generated letting the merchant know where a Sale transaction was processed from User The individual adding the customer to recurring billing would select their username from the drop down menu This allows a record to be kept of who added the customer to the database Ue Optional 2 Recommended 3 Mandatory Merchant Console User Guide 10 SECTION 8 RECURRING BILLING Cont Step 4 CREDIT CARD PAYMENT In the Card Num enter the customers 16 digit credit card number and the credit card expiration date in the Expiration field The expiration date is entered as two 2 PAPPANO O digits for the month and two 2 digits for the
105. t Policy An informal generally natural language description of desired system behavior Policies may be defined for particular requirements such as confidentiality integrity availability safety etc POS System A system that processes commercial transactions such as a credit card terminal electronic cash register or specialized software Posting The process of updating individual cardholder account balances to reflect merchandise sales instant cash cash advances adjustments payments and any other charges or credits Presentment A clearing record that an acquirer presents to an issuer through interchange either initially a first pre sentment or after a chargeback a re presentment Primary Account Number PAN The number that is embossed encoded or both on a plastic card that identifies the issuer and the par ticular cardholder account Prime Vendor Prime vendor is a general term used in procurement to describe an important supplier In some cases such as the U S Department of Veterans Affairs VA it also connotes a certain way of doing business with said supplier Prior Authorization An authorization usually done before a transaction takes place The approved authorization request may be held for an extended length of time before a card is present or not Private Key A cryptographic key known only to the user employed in public key cryptography in decrypting or signing information Procard Procard lowerca
106. t Filter New Import a ta Optional 2 Recommended 3 Mandatory Merchant Console User Guide 35 SECTION 12 Choose file Look in 1 My Computer amp E Audio CD D Step 2 Once the Import File window opens located and select the file to be uploaded Click the Open button to import the batch upload file y Ne File name S te 0 3 l aw Files of type fan Files Once the file is imported click the Continue Continue button to proceed to the next step of the batch upload Step 4 Once in the Map Fields window select the proper field from the drop down menu that represent the data for each CO umn Upload New Batch USA ePay Demo Wireless Step 2 Map Fields Available Fields Select Field Select Field v Select Field y Select Field I Select Field I Select Field Select Field z Your Data UMcard UMexpir UMamount UMinvoice UMname UMstreet 4005550000000019 0404 1 00 12345 John Doe 123 Main St 4005550000000019 0404 1 00 12347 Jane Doe 234 Silver St 4005550000000019 0404 1 00 12346 James Doe 1324 Universe Ave 90036 4005550000000019 0404 1 00 12348 Junior Doe 23 Epay Plaza Select Field 7 jj Select Field yj Select Field Select Field UMzip UMcyv2 UMdescription 90210 Test Transaction 90012 123 Test 2 Test 3 90212 704 Last Test Billing Phone shipping Company shi
107. t I OCUS 11 19 04 XXXXXKXXXXXK2939 NA 6 00 Credit D or for any other reason NOT suc PEJ 11 19 04 test card XXXXXXXxxxxx9119 amp P 153 00 000033 M M E M E M E 1 00 000036 batch LU 11 19 04 Pay Me KXXXXXXXXXXK2224 The Batch Manager will display transaction detail such as the Date of the transaction Cardholders first and last name Type of credit card used V Visa M Mastercard DS Discover A American Express Card number used during a transaction AVS Address Verification Service CVV2 Card Verification Value Amount of the transaction and the Auth Authorization number provided by the processing bank The Batch Manager also provides the ability to Void a transaction send a transaction to Q Queued Transactions and to view the Details of a transaction Ue Optional 2 Recommended 3 Mandatory Merchant Console User Guide 17 SECTION 9 BATCHES Batch Manger Cont Date H The Date column displays when a transaction took place Whether it s a sale a void or a credit the date of the transaction will always be present Cardholder The Cardholder column displays the name on the credit card entered during a trans action NOTE If a name is not entered during a transaction keyed transaction a blank field will be displayed for that transaction under the cardholder category The Type column display
108. ted for the merchant that the person using the card for the order is who they claim to be Ideally this reduces the number of customer disputes and chargebacks for the merchant especially since it could prove difficult to reacquire shipped merchandise This column will display various results depending on the information submitted to and received from the Verification platform AVS result codes are not to be confused with authorization response codes which are issued by an Acquirer and indicate whether there are available funds in the account AVS compares the billing address and the zip code submitted with an authorization request with the card issuer s address records NOTE Refer to page 95 for AVS Result Codes AVS results codes are frequently updated If the result dis played in the Merchant Console is not listed on page95 click on the AVC or CVV2 result in the Merchant Console to view the description E Optional 2 Recommended 3 Mandatory Merchant Console User Guide 19 SECTION 9 BATCHES Batch Manger Cont wcp Card Verification Value Mail order and telephone order MO TO and other card not present transactions have higher fraud rates than face to face transactions When a card s magnetic stripe is read by a point of sale POS terminal Visa s Card Verification Value CVV2 or MasterCard s Card Validation Code CVC can be verified during the authorization However when the card is not present the CVV2 or CV
109. the merchant to adjust change the dollar amount of a transaction before posting Transaction are placed into Queued Transactions via AuthOnly Queued Transactions USA ePay Demo Wireless Queued transactions looks very similar to the batch manager SLEAN 01 13 05 Vo RexsexENEERNSS 4 vey p goo 000198 CERI 01 13 05 MO MMXEXERENERN 1740 1 00 ooo200 except for that the queued ALEEN 01 13 05 MO X MRERERENME LF 40 6 00 oooz01 transactions cannot be closed Fy Details D11405 Max Powers W xxxxxENMENNK 2224 1 00 000212 l Je Dii 05 Mas Powers Yo xRERKMKERERKE 224 1 00 000213 and the transaction amount can EE 011a B aoo 01 14 05 Max Powers W HUMEMRRENERK 2 224 ll 1 00 oo0214 Total Authorizations 6 11 00 be adjusted changed NOTE Queued transactions have a maximum duration of thirty 30 days After thirty days they will be permanently removed from queued transactions Check with your pro cessing merchant bank when the authorization expires Depending on the processing bank some authorizations will expire as early as ten 10 days and as late as thirty 30 days Default queued transactions is 10 days Refer to page51 to adjust days displayed in queued transactions ta Optional 2 Recommended 9 Mandatory Merchant Console User Guide 33 SECTION 11 QUEUED TRANSACTIONS AD USTING and POSTING TRANSACTIONS If a transaction was run with a wrong or incorrect transaction amount it can easily be fixed a
110. tion Result Transaction ID 2834580 Type Status Batch Sale Details Date Cardholder_ Type Cardnumber AVS CV 2 Amount_jAuth _ oid Q Authorized Pending Settlement 25 Auth Code 000026 Avs Result C 2 Result Wot Processed Transaction Info Date Time Invoice PO 11 17 2004 23 51 PST 90102 Description Recurring Bill Amount Tax 4 99 0 00 Cardholder Cardnumber xxxxxxxxxxxx5564 Visa Expiration Pern AVS Street AVS Zip User Source Auto recurring Server IP Client IP ta Optional 2 Recommended 3 Mandatory Merchant Console User Guide Address Match amp 5 Digit Zip Match 28 SECTION 9 BATCHES Batch Manger Cont Batch This number represents the batch number where the particular transaction resided Click on the number to go directly to that batch Auth Code This is a six 6 digit authorization number assigned by the processing merchant bank AVS Result Displays the result of the customers address entered during a transaction CVV2 Result Displays the result of the card verification value entered during a transaction Transaction Info Date Date when transaction was processed Time Time when transaction was processed Invoice Displays an invoice number if entered during transaction PO Purchase Order Used for commercial credit cards only Description 2 Displays a description that was ente
111. tions and Answers Q Where can find my username and password to log into the console A You may find your username and password in the welcome letter email which you received upon Signing up for your gateway account If you still can not find your username and or password you can reset it with a support representative over the phone Q What is the Home section A The Home section is where news announcements updates and other important items are posted for your knowledge We highly recommend you check this section at least once a week Q What is the CVV2 CVC A CVV or Card Verification Value Code are the 3 digits located on the back of a Visa MasterCard and Discover Card and the 4 digits located on the front of an American Express card Q Dol NEED to put in the CVV2 CVC value A The system will allow you to place a transaction without this value and will approve the card if Fraud Center settings are also permitting it without it but it is highly recommended that you collect this value for transactions Q What is the PO Number A This field is used for Level III cards and is the Purchase Order number Q What are the minimum fields needed to process a transaction A Card number expiration date and amount Note that if fields like name billing address billing zip code and CVV are not filled it you may experience a non qualified rate on your transaction check with your bank Q Can put multiple emails in the Receipt fi
112. transaction Virtual Terminal PostAuth Sale AuthOnly Card Holder Card Number Description Authorized Amount Invoice Authorization Code Post Charge Step 1 To process a PostAuth enter the Card Holder Name Card Number3 Authorization Amount charge amount and the Authorization Code gt These fields are required and must be entered to process a PostAuth Invoice and Description are optional entries NOTE Main use for PostAuth is if a transaction was authorized via telephone where Merchant bank verbally assigns an authorization code for a particular transaction Step 2 Once all the proper information is entered click the Process M iei button to process the transaction Me Optional 2 Recommended 3 Mandatory Merchant Console User Guide 7 SECTION 7 Quick Sale is very similar to Sale in the vlerminal except for that in the Quick Sale more information about the customer such as the billing and shipping information can be stored Quick Sale Merchant Console User Manual step L Sone He 3 3 Charge Amount Invoice 0 Enter the Card Holder Name Card Number rax amount en Po post Description P Expiration Date3 Charge Amount3 These fields are required and must be entered to process a transaction SAT E Fe Street fe cvv2 cvcl 2 Tax Amount Invoicel po PA n aneve a Description Billing Address 2 and Zip Codel 2 are Billing Info OOOO O Customer
113. ule allows you to select which transactions ae CVV 2 CID etc Check off the responses that you will accept All others will be to accept based on the result of the card id verifica Settings a I Response Allow Description tion CVV2 CID etc Check off the responses that Z No Match aq Not Processed you will accept All others will be declined Should be on card but not so indicated lq Issuer Not Certified x No response from association No C VV2 CVC data available for transaction x NOTE For information on CVV2 CID Refer to page 72 IP COUNTRY BLOCKER Blocks or allows transactions based on what country they originate in The location of the Blocks or allows transactions based on what country E weir a a a a they originate in The location of the customer is based C Accept All Except Deny All Except on their IP address which is checked against our Geol P A E ee Fal E United States United States Minor Outlying Islands database To use this module your shopping cart must pass the ip address to the gateway There are two 2 ways to block countries either to Remove Selected Remove Selected Accept All Except or Deny All Except Check the prop er radio button and use its drop down menu to select add the country s to accept or deny After the selection ara acne Reaier Europe click the Add link next to the drop down menu Andara United Ar
114. ult Redirect Customer To LEL GET status Approved Declined Display Result and POST to URL Recommended Display Result and POST to URL Recommended Redirects the customer to a specific URL depending on the transaction status Approved Declined Also captures the transaction information for other processes Approved URL Enter a URL address to where the customer will be redirected to after and only if a transaction has been approved Declined URL Enter a URL address to where the customer will be redirected to after and only if a transaction has been declined Homepage URL Displays a homepage URL in the redirected approved and declined web pages Ue Optional 2 Recommended 3 Mandatory Merchant Console User Guide 58 SECTION 17 SETTINGS Source Keys Cont PAYMENT METHODS Payment Methods Payment Methods are payment options that are Visa Diners available through the payment form The default Master Card JCB American Express E Check payment options are Visa MasterCard American Discover Express and Discover card Dinners JCB and E Checks are not currently available for processing through the payment form Credit Card Information Card Type Visa Name as on Card UMname To unselect a payment method from the form simply uncheck Card Billing Address UMstreet Visa the check box next to the card Card Billing Zipcode UMzip MasterCard American Express type Card Number
115. ured to allow or block specific email addresses or domains Blocks transactions coming from free webmail servers yahoo com hg Sei ll pony on bre own such as Hotmail and Yahoo It can also be configured to i acres domain you may use a wild card For anons com P a a ings i Pasdft com yahoo com To block from all allow or block specific email addresses or domains yahoo domains you could enter yahoo com or yahoo which would catch user yahoo jp etc Blocked Emails Enter each email address on its own line To block email from an entire domain you may use g a wild card For example to block everything from yahoo com you would enter yahoo com To block Enter each email or domain on its own line To allow email from an entire domain you may use a wild card For from all yahoo domains you could enter yahoo com Pie enero yahoo com To allow from all yahoo domains you could enter or yahoo which would catch user yahoo jp re i ll etc Allowed Emails Enter each email or domain on its own line To allow email from an entire domain you may use a wild card For example to allow everything from yahoo com you would enter yahoo com To allow from all yahoo domains you could enter x yahoo com or yahoo which would catch user yahoo jp etc ta Optional 2 Recommended 9 Mandatory Merchant Console User Guide 64 SECTION 19 FRAUD CENTER S
116. use 10031 Processing Error Please Retry Transaction 31 Error from FDMS Nashville Database access lock encountered retry transaction 10033 Processing Error Please Try Again 33 Error from FDMS Nashville Database error in Summary process retry transaction 10043 Sequence Error Please Contact Support 43 Error from FDMS Nashville Transaction ID invalid incorrect or out of sequence 10051 Merchant has been deactivated 51 Error from FDMS Nashville Terminal flagged as not useable violated in First Data database Call Customer Support 10054 Merchant has not been setup correctly 54 Error from FDMS Nashville Terminal ID not set up on First Data database for leased line access 10057 Merchant does not support this card type 57 Error from FDMS Nashville Terminal is not programmed for this service Call Customer Support 10059 Processing Error Please Try Again 59 Error from FDMS Nashville Settle Trans for Summary ID where earlier Summary ID still open 10060 Invalid Account Number 60 Error from FDMS Nashville Invalid account number found by authorization process 10061 Processing Error Please Try Again 61 Error from FDMS Nashville Invalid settlement data found in summary process trans level 10062 Processing Error Please Try Again 62 Error from FDMS Nashville Invalid settlement data i e future date found erroneous Pserve data found Summary level 10080 Processing Error Please Try Again 80 Error from FDMS N
117. y Pin An extra layer of security placed on a key Only neccesary for e commerce tool kits using the key NOTE If a pin is being used with a key your e commerce tool kit must use the MD5 Hash code as described in the gateway API Disabled Check this box to disable the key for the particular source Test Mode Check this box set the source key into test mode NOTE by setting the key into test mode transactions will not occur Test mode is useful when checking if and outside source is hit ting the gateway Allowed Commands Enables the source key to accept transaction from checked sources Email Merchant Receipt To By entering an e mail address a receipt will be sent via e mail every time a transaction takes place through that particular source Payment Form Templates These settings allow for the customization of the USAePay payment form Pin optional Click Apply To Generate Key Disabled Test Mode WVW Credit Wo Y oid Auth Only V Post Auth V Capture Check Sale WV Check Credit V Payment Form Payment Form Template Form Title Merchant Console User Manual Page Background D4D7E4 Links Color E 000080 Header Background C 9999FF Header Text Color C FFFFFF Section Header __ C4C7D4 Form Background F0F0F0 Text Color B 000000 oq Preview ePay Form Customize ePay Form Transaction Result Display Result Approved URL Declined URL Homepage URL E
118. year ex 0504 Send Customer Receipt Step 5 Receipt Message Select the Send Customer Receipt check box if a receipt is to be e mailed to a customer for the transac tion A receipt message can also be added if need be Step 6 NOTES Notes can be added to any customer in the recurring billing These notes are not e mailed to the customer and can only be viewed from within the customers recurring billing information Step 7 Once all the information is entered click the Save Save button to activate the recurring billing for that entry E Optional 2 Recommended 3 Mandatory Merchant Console User Guide 11 SECTION 8 RECURRING BILLING Cont Recurring Billing Recent Billing History Date ID Company Last Name Amount Result 11 17 04 Doe 4 99 A Here is an example of an active 11 17 04 Rabit 4 99 recurring billing windows 11 17 04 Men 69 99 11 17 o4 Doe 4 99 11 12 04 69 99 RECENT BILLING HISTORY 11 11 04 69 909 List 10 of the most recent recur 08 10 04 49 95 08 09 04 43 95 ring billing transactions Complete History gt gt All Customers ALL CUSTOMERS Company Last Name Amount Due Next Displays customers that are set e am Doe Jane Doe 4 99 12 17 2004 up for recurring billing Once Man Spider Man 69 99 12 17 2004 customers are entered into Rabit Roger Rabit 4 99 12 17 2004 Ea Key recurring billing and transactions Enabled Running Declined Retrying ll

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