eMatters Internet Payment Solutions User Guide
Contents
1. SORT TIR ca 2417 LEO cme ere men Eck ei LOC Za Ta HIR CL ETT ceno wee Tour cures Gee 2 Gee Beach Meeerhaets App Par Combat ia Heemes Card Number Expiry Date Cardholder Name UID Total Price IP address Encrypted Code af Sern Web Matters Internet Payment Solutions tend Payman You we about reprocess this credit card It can be aikhar PURCHASE por a REFUND Pegs tae Lp you proces Ihe correct Typs el tranzactipnn RANSACTION RESPO Response Date Enter fius amount procinis chach cha dat ae and enter a descrpbon to appear on the Receipt Identifier receipt PLD Status D EMEN ENS Phase that your bank may have put on the or mone Irandac bors The corral payment wan for 132 Customer Hame DNYERZHERITSTOPHER any notes that are applicable and the Refund PIN This PIN be pen issued by eMatters by calling 1300 136 966 felercete a aoia LST Expiry 6 mmy Amoi Action mend VIN Comments The refund will be processed oT IMPEOZATELY 21 lengua Grii r r F by our system immediately ei idi Page 28 Confidential eMatters 102. by Phone Matters The eMatters Pay by Phone allows your customers to pay into your eMatters Merchant account via a 1300 number Australia wide This service is available from most home and office phone excluding mobiles All Pay by Phone payments appear in the Transaction list with the code IVR preceding the Reference number This is due to the transaction not having a customer name and to allow you to easily determine who each transaction relates to In order to use the Pay By Phone system you will need to apply for an eMatters IVR Biller Code which is amp Matters i Biller Code 170282 printed on your invoice Pay by Phone You will also need to issue a Reference Number which could be your invoice number it must be something that relates back to your system to allow for reconciliation To use the system the following steps are taken Dial your nominated In Dial number provided at application time Enter the Biller Code Enter the Reference Code Enter the Credit Card Number Enter the CVV Enter the Expiry Date Record the Receipt Number To enable Pay By Phone on your eMatters account contact our office on 1300 136 966 Confidential eMatters 1998 2008 Page 29 11 Batch Processing For those monthly charges We support the processing of CSV files with each CSV file containing a maximum of 65 000 transactions The minimum number of transactions is
3. 812 813 816 901 902 903 904 910 911 980 990 Page 36 Response Text See card issuer Call authorisation centre Transaction approved Invalid transaction type See card issuer Card Expired No CREDIT account Insufficient funds Over card refund limit Issuer not available CVV invalid or missing 3SO Activated too many failed attempts Non Unique UID Already accepted IGP Activated transaction from high risk country IGP Activated IP Address Not Valid Fraud Screen block IP and Bank not matching Card from outside acceptable country range Invalid Purchase Amount Unacceptable Card Number Invalid Expiry Date Format Card Expired H Check Failed URLs do not match Readers set to an incorrect value in POSTed Transaction Readers missing in POSTed transaction MerchantlD missing in POSTed transaction Transaction Aborted XML Error Host Not Found Bank System out of action Carrier Lost Bank line down Possible Explanation Card has been reported Lost Stolen or Blocked Transaction has been approved and will be settled the following business day Perhaps i Amex was processed but Merchant does not accept Amex ii Card is not allowed to be used over the Internet iii Wrong CCV Expiry date may be valid ie expires in 2 years time but it is incorrect The cardholder s card has not enough funds to complete the transaction Applies to REFUNDS Each Merchant can only
4. Internet Payment Solutions eMatters Internet Payment Solutions User Guide 8 350 Collins St Melbourne Victoria 3000 Australia P 613 8601 1105 F 613 8601 1180 E info eMatters com au W www eMatters com au Page 2 Confidential TABLE OF CONTENTS L EV ERD 4 2 JMERUCITANT DESI LEM EON EUIS 5 HOW TO LOGIN TO THE MERCHANT DESK ccccscccesccccececsccccsccccscenseccesccceeccnseccessceeecccecccunsceecccussecescatsceneeenensens 6 MERCHANT DESK WELCOME SCREEN 352 70 53 24 00228 OR NA vin Eae ra 6 3 TRANSACTION MANAGE VIEIN DL ieisssssssekusssestuvssieevuueN se nep a yo Eva ERERERS oU NES 7 PIN IBN 10 SAMPLE SFARCH 13 14 REVIEW A TRANSACTION scicsosecccncuecssuencawenscedansilekiswarivacwnnaiaionauseakuesiinndadsine eeu 15 TRANSACTION BUTTON 17 4 MANUAL TRANSACTION aee a isandad doiki ddini odh 18 5 ACCOUNT MANAGEMENT iccacascccectiastescdsacccpeciitvescatascscesscanadeceaissagecaavo
5. 4 49 4 4 aX TRATION APPR See Joho Boe 154 100 03 TRANSACTION APPROVED Ur OUO 00 5 100 TZ EPIVALEJ Jenn zu ig 100 d4 13309 17 0308 2000031712273 2 00 09 TRANSACTION APPROVED A PUEZ T 200 THAMSAL TILES Pei 1702992 DERE oe 2100 08 TRAMEACTION APPROVED SPOTS Lurrptg See 017 mudo 03 TAM 45d 170309 Eicher Ar mos 015 D TREANSALTIG APPROVE U 22 pis E 21 300 184 DATABASE IH 2833 1003168 pavat i2008021812a189 007 iren 3830 1T 03008 The Aggirgge Hyppy Erbia EYA a707 232 ARJ amp TRAMEACTION DECLIMED i 28 O5 Pe The usa SVONA SONS ATIS E832 57 TRANSACTION DECLINED 51 The Mubi STYLES 18 ada EHI 7 TRAHSAC Te DE LLIFAL D 51 me 123100 PO Tnt Must 2202866700234 TIE PER 0822 57 DQELCLIMED 2325 PSS al AL ma i a 11 aa TRAN AP Pee MSs 51729 317 ee Tp Magica tomponen Sev Leer Der ae TRANSACT Qo 01 28 21 230208 Fbad Chores ACTH AS TOR 241 1200 81 DECLIMED 29 11 L
6. refund up to a pre set limit each day returing this code once that limit is exceeded The cardholder s bank is currently offline Try later After three declined transactions the UID is blocked for 24 hours This reduces fraudulent transactions from reaching the Merchant s bank account Once we have approved a UID it is then blocked for 24 hours stopping duplicate transactions We block certain high risk countries based on our knowledge of global regions and fraud The IP Address presented by your client is invalid indicating that the transaction may be fraudulent The country of origin of the IP Address does not match the country of origin of the Credit Card The Merchant s account is limited to only accept AU NZ or AU amp NZ cards Cards from other countries are rejected The amount entered by the purchaser is incorrect It must always be greater than 0 and less than 99 999 The card number provided by the purchaser fails our most basic tests The expiry dates provided by the purchaser fails our most basic tests The expiry dates provided by the purchaser has already expired Our HTTP Callback check determined that the transaction was fraudulent The eMatters Login Code eg MELO0029 does not exist The eMatters Login Code was not sent from the Merchant s website The eMatters MerchantlD eg 29 was not sent from the Merchant s website The basic payment information received is completely wrong The formation
7. 05 2008 8278 20 279 20 Done merchant ematters com au fy Page 34 Confidential eMatters 1998 2008 Direct Debit Completed Transactions This screen shot shows you the detail of each completed transaction It is purely for your records and all this detail is included in your Daily Settlement Summary which is emailed to you Mozilla Firefox x File Edit View History Bookmarks Tools Help c S a httes merchant ematters com aujddronine nsffbed9z S gt 6 Customize Links Free Hotmail Windows Marketplace Windows Media Windows for an evolving world ac Matters Internet Payment Solutions Internet Payment Solutions Return to Transaction List Send Invoice Merchant Details Your Company Name eMatters Payment Gateway Your Email info eMatters com au Your BSB Number 082489 Your Account Number 475312729 Your Account Mame eMatters Reference Code 20050707 Customer Name White Owl Wellness Bank Mame BSB Account Number 633000 123274383 Transaction Code 24JULUO6 eMail info whiteowlwellnes com_ au Transaction Details History Submitted to Bank 24JUL06 24 07 2006 10 15 42 AM Transaction Amount Charge 79 20 El onfidential eMatters 1998 2008 Page 35 13 Common Credit Card Response Codes Response Code 01 04 08 12 31 33 39 51 61 91 96 707 708 710 711 712 714 810
8. Response 08 lt lt TRANSACTION APPROVED gt gt Date 06 12 2004 Receipt Identifier PLD Status Transaction Number Transaction Ref Stream Number Transaction Type Amount Processed Comments IP Bin Details IP Location AU Australia Bank BIN Details AU CITIBANK LTD 454605 Card type 06 MERCH ID 057998206538003 TERM ID 00780501 COUNTRY CODE AU 12 6 04 11 57 01 RRN 520 VISA CREDIT 06 05 AUTHORISATION NO 798300 PURCHASE 24 95 TOTAL AUD 24 95 PLEASE RETAIN AS RECORD OF PURCHASE SUBJECT TO CARDHOLDER 5 ACCEPTANCE go L joe 0 rFFTT1BMFme This screen displays all the information that we store about this transaction Confidential eMatters 1998 Page 15 e Transaction Request The top section of this screen displays the information entered by the customer at the time of the transaction It shows the customer name email address card number first 6 and last 3 digits only and the Unique ID your order number We also display the IP Address you can use for fraud screening e Transaction Response This section displays the information we have stored in response to the request The most important line is the first line entitled Response If this shows 08 lt lt Transaction Approved gt then the bank has approved the transaction and the funds will be cleared into your account within 1 business day Any other message here such as 01 l
9. This screen shown here is the Pending eMatters DDR Transaction list When you first enable it your list will be empty A screen with entries will look like the following screen shot Pending Transaction List JeMatters Direct Debit Management Console Mozilla Firefox B x Edit View History Bookmarks Tools Help File LE https merchant ematters com aujemattersddr nsffc2sdfad i v G Customize Links Free Hotmail Windows Marketplace WindowsMedia Windows Matters Internet Payment Solutions for an evolving world internet Payment Solutions MELO900 eMatters Credit Cards Direct Debits Direct Credits My Account Merchant Home Pending eMatters DDR Transactions 44 Previous Page Next Page New DDR Entry Date Due Ongoing Alert BSB Account Charge 29 03 2008 a Bill Brown 083494 12341234 2 99 info 15 04 2008 Xx John Smith 083494 12341234 1 00 info 3 99 Previous Page Next Page Done merchant ematters com au 7 To create a new Direct Debit click the New DDR Entry link on the right side of the screen The following screen is displayed Page 32 Confidential eMatters 1998 2008 Data Entry Screen BL TT IAN Ini xj Ele Edit View History Tools Help G T T e n https merchant ematters com au ema
10. have green ticks displayed Anything else please click the link next to the comment and do what you are asked to do Page 6 Confidential eMatters 3 Transaction Management Firstly let s look at some of the issues you will face when processing credt cards on the web phone mail order or fax Actually everywhere including shopfronts can have these issues It is important to realise that no matter how careful you are or how many checks you have in place for a transaction somebody sometime somehow will use a fraudulent card through your website It is almost inevitable You cannot stop it happening it would be like stopping a person coming into your shop because they looked odd What you DO need to do is to manage your business to take into account the possibility of fraud Not every sale is real Not every customer wants to actually pay to receive your goods And the number of new fresh green merchants appearing on the web these days seems to encourage the scammers So the basic rules for transacting online are e Make sure that the credit card is from the legitimate cardholder Not just someone who knows the card number or has stolen the actual card e Never ship to a person providing just a hotmail address or similar a PO Box and a mobile phone e Monitor your transactions for unusual purchase patterns If your usual order is 100 and then you receive one for 2 500 without any explanation then warning b
11. his rubbish out Clearly we can now do everything we need online So too can the scammers To execute this scam you need to order small high priced items Again digital cameras and iPods are perfect items Purchase from the online store making it very clear that you are incredibly busy and can only make it home for delivery between 1pm and 2pm Monday The goods must be delivered then or you will cancel the order You receive confirmation that the goods will be dropped off at that time and the order is accepted At lpm Monday you get to the address and start weeding the garden As soon as the delivery arrives make small talk with the deliveryman about the weather the garden and the state of the nation Sign and get back to work Upon the deliveryman leaving you can also leave and head back to work The trick here is to get the goods delivered to another house not yours Choose a house where you know the occupants are on holiday The usual signs of full letter box and closed blinds are obvious As you dig in the garden the neighbours will assume you are a gardener attending to the regular maintenance They will not even approach you but even if they do you have a perfect story You know the owners are away but they asked you to do a little work anyway When the deliveryman arrives of course he will assume you are the owner of the home Why else would you be getting dirty in somebody else s yard And because you are confi
12. of the XML sent to our server is incorrect We did not receive a response from our bank within 30 seconds We did not receive a response from our bank within 30 seconds Internet Payment Solutions Level 8 350 Collins St Melbourne 3000 Ph 1300 136 966 info eMatters com au a division of Card Merchants Australia Pty Ltd acn 066 323 582 Confidential eMatters 1998 2008 Page 37
13. realise what you are doing You then risk having your merchant account closed and your name added to the unofficial black list which is shared between banks Confidential eMatters 1998 2008 Page 9 Find a Transaction To check the status of a transaction you must be logged into the Merchant Desk e Option 1 Quick Visual Scan of the list Click Transaction List the following screen is displayed E eMatters Transaction Summary Microsoft Internet Explorer Eie Eat Fgvortes Toots Hem Ou O DAG l Jr OG 2B DHY KOs geese dir https merchant ematters cem ns Pond arm Y Search Web 2 Egd 38 Gi wekome Tou ay Mal Internet Payment Solutions for evelving waid internoi Payrrierrt Seferticorrs hesse here Credit Cards Direct Debits My Account Merchant Home MEL OSH 23 03 2006 04 08 71 PM 1 af Appvd manna 1 Show Approved Tracsactong Only Pekin tie Puts Pondus Complallun er display transactions between Displaying All Transactions amp eplaying ta 100 transactions 2 Show th dates only Tard Armant Humber Sk hope T ba eee CARD EODEM Da 017 R18 CARD EXPIELD 485721 215 002 20 Ge 25er 2101608 pA 20050321122807 a 12 210308
14. screen appears Each user then has to click Login to gain access to the system The Site Code as configured is displayed Page 24 Confidential eMatters 1998 2008 eMatters Making Online Payments Easier tual Terminal 3 2 1a Internet Payment Solutions User Login Required Site Code MELOSOO Login 1 Username Password Login Help me to login When the user hits Login they are authenticated against our database and granted access if appropriate At the end of each session it is vital to Logout otherwise the first operator s details will remain in each transaction Confidential eMatters 1998 2008 Page 25 8 User Access List Step 1 Creating and Editing Usernames Ask your System Administrator to the eMatters Merchant Desk from our website at http www eMatters com au using this screen below They will need their eMatters Username and the Merchant Desk Password Registered Merchant Login Username password Log In This screen indicates that you have not yet created any usernames and passwords Jj eMatlers Deli Management Console Inbermet Explorer gj xj Favokes Took Hep m av sm dm OO uc LUE A ix iir nir pes emathers com nat Pe soni Opener i thers Internet Payment Solutions di auers warki informe Payment Solut
15. user login before transacting A corresponding entry in the User Access List in the Merchant Desk is required see Merchant Desk Guide For security reasons the Virtual Terminal can be set to erase all information after a pre determined time If you set this TimeOut idential eMatters 1998 2008 figure at a number greater than O your operators will have that many seconds to key the transaction After that many seconds the details are erased and the transaction must be re keyed Warning Amount If the amount to be processed is larger than this number the operator is warned at the transaction time This stops the user from entering 34 95 as 3495 If at any stage you make an error and wish to quit without saving Once you have entered your correct details choose Save and Exit If MultiMerchant is set to yes you will need to name this configuration file You have now successfully created your first Merchant Configuration file Repeat this process for as many merchants as you have naming them a different name each time you save If your Company Name is ACME and the eMatters Login is MELOO90 then a good naming convention would be ACME MELOO90 Confidential eMatters 1998 2008 Page 23 7 Payment Processing Processing through Virtual Terminal The Virtual Terminal is used to process payments from a credit card into your bank account It is only for positive transactions Refunds Advanced
16. 100 If you wish to process less than 100 transactions in a batch use this same format and load them through the Virtual Terminal You have greater than 100 transactions e Sending Requests You need to load a password protected encrypted file containing one text file to eMatters at any stage throughout the month The password is delivered at the time of registration and must remain constant The name of the file must be the Readers plus the month and the direction ie MELOO36SEPO2IN The contents of the file is shown here somali Gom A3 T0000 99990080T Vr DIT 00 VU Smt AARAU 100 20 Mary Black wbp ccdom 297 4557 494025939 TUAT TM Black SOM The field descriptions are Your Customer s Name eMail Address CVV Card Number Expiry Month Expiry Year Cardholder s Name Unique ID Total Price The file MUST adhere to this standard exactly or your file will not be processed Any errors will be charged at the standard transaction rate This file is to be loaded into the Merchant Desk with the processing date specified All entries will be processed and returned to you within 24 hours e Receiving Responses eMatters will deliver back to you a text file containing the following information 30 fidential eMatters 1998 2008 You have less than 100 transactions eMatters The Leading Australian Credit Card
17. Payment Processing through Billemart and reversals are to be done sf Configure System using the Merchant Desk Make a payment Use this option to make a single payment or make the first payment and store the details in our secure database You can then use the Advanced Processing to process all future payments for this client e All payments must be in dollars and cents be greater than 0 and less than 99 999 eMatters Making Online Payments Easier File Batch Communication Help e Cust or Ref must be unique for each transaction for each day We will NOT approve the same reference number twice on the same day internet Payment Solutions Connection to eMatters successful e You have 30 seconds to enter the credit card details If the transaction You are now ready to start processing transactions ice is not completed within this aa eMatters Primary Bank Server append to eMatters Secondary Bank Server v timeframe the entire transaction will email Merchant Wah J be erased and you will need to start again A time counts down how long you have remaining e Enter the full credit card number in one of the following formats 4557 0130 0031 4262 4557 0130 0031 4262 4557013000314262 Secure Mode The eMatters Virtual Terminal requires each user to enter their Username and Password prior to processing transactions When the Virtual Terminal is launched the following
18. Pz e Sending Requests E ace The Virtual Terminal has a batch billing module that allows you to process less than Mi view Input File 100 transactions whenever you wish SU Check File Prepare the file format as shown above then follow these steps SMG Address T 1 Make sure the Virtual Terminal is configured to allow batch transactions ove ee d 2 Open Virtual Terminal 3 Click Batch menu If this is not shown your configuration is incorrect 4 Choose Load Batch find your batch of transactions and hit OK 5 Next choose View Input File to double check you have chosen the correct file Do not make any changes here as it has no impact on the processing 6 Choose Check File Format to screen the transactions This checks to ensure the fields are in the correct location and they are the correct type 7 Now click Send Batch to Bank and watch them go through one at a time 8 Finally View Output File to see your results Confidential eMatters 1998 2008 Page 31 12 Direct Debit Processing Our award winning Direct Debit Processing system named DDR for Direct Debit Request has made the collection of funds from your customers credit cards so much simpler It consists of a Future List and Completed List Firstly when your eMatters account is enabled for Direct Debit you will see the Direct Debits menu appear
19. Reference Number Amount to charge This response is then displayed identifying if it has been approved or declined this example the transaction was approved Page 18 valid Merchant Details Marchant Code Merchant Transaction Date Your Email 0900 eMaters Payment Gateway Thursday 22 03 2006 nine eM amens com au Transaction Details S5ubldarchand Batch Humber fopstional Customer Delails Email Address Payment Details Credit Card Humber Erpin Date Cardholder s Name Refenen q Month gt Humb t Amount bo change Description Any submerchant event code that you wish to allocate this transaction to It has no relevance on banking just on the reporting from the eMatters site This is optional and should only be used if you have implemented the Batch number feature Customer Name Customer eMail Address Credit Card Number in full 3 or 4 digit security field Month and Year Cardholder s Name can be different to the Customer Name Invoice Number or some number from your system to identify this transaction Amount in dollars and cents in the local currency Your transaction has been approved n ransaction Response Hesponse Text Transaction Approved confidential eMatters 1998 2008 5 Account Management Option My Profile Help Desk User Access List View invoices View Reports Settlement Re
20. This is because we are really dealing with a matter of trust We you and the customer are all trusting one another to perform the transaction and deliver the goods Remember the customer may not trust that they will receive the goods as much as you don t trust that the transaction will be honoured Just getting a 08 APPROVED response does not mean that the merchant ie YOU are absolved of other checks Perhaps you are selling digital cameras and you receive a high value order to be shipped urgently Take a careful look at the order because simply a 08 APPROVED does not mean that they customer is legitimate The customer may have picked up the card number off a receipt and is using it without the owner s knowledge a system cannot identify that with 100 accuracy only your intuition can So use it e Merchant Fraud This is a more sinister case where you the actual merchant processes fake borrowed customers stolen credit card numbers through your facility Why would you do this For a few reasons firstly you may need to increase your working capital in your business so you decide to charge a customer s card again and then wait for the chargeback It will give you an extra few thousand dollars for a few weeks Or perhaps you want to claim that your system accidentally processed their cards twice again for the extra income short term Well you could try it but it would take only a couple of attempts for the acquiring bank to
21. ail will give all the required information Products Merchants Integration Apply Now Contact Us Home Ee Matters Internet Payment Solutions for an evolving world Internet Payment Solutions Transaction List Search Transactions Recurring Transactions Merchant Desk Home Logout No Trans Date Name Reode Settlement SubMerchant Card 1 06 12 2004 Dr F 20041206235502 24 85 08 6 12 2004 Book v Page 14 Confidential eMatters 1998 2008 Review a Transaction i3 id 5 yc e B rel d 2 i2 Send Products Merchants ration Apply Now Contact Us Internet Payment Solutions for an evolving world Internet Payment Solutions Refund this transaction Resend Receipt Re Process Card Query wrong IP BIN Process a refund for any amount Send RePrinted receipt to the Recharge this card with the same Send email to customer asking on this transaction customer and yourself amount reason for mis matching Country of BIN and IP lt lt Transaction Return to Transaction List Next Transaction gt gt RANSACTION REQUEST Merchant Details Name Ouch Consulting eMail info ouch net au SubMerchant Code Book Customer Details Name 4 eMail Card Number 454605 504 Expiry Date 06 05 Cardholder Name pr Bob UID 20041206235502 Total Price 24 95 AUD IP address 202 67 65 172 Encrypted Code 0 RANSACTION RESPONSE
22. ant ematers corn ns AaminDesioOpenF rm LM ES Matters internet Payment Solutions for an evolving world internet Payment Solutions MELO900 eMatters Payment Gatewa eMatters Help Desk AN quanes are best handled if lodged here Vie will endevour to respond to all queries within 24 hours Click hara to go to the Help Deak zystem You have hems in your Halp Desk Terminal Downlad Wirtu eMoiters The newest way of processing recumng payments Now your customers can pay you WITHOUT ugg ther creda card amp proces the change against Australian bank on the nornminsmed day and you noire Th an Bull 1 within amp working days And just pay 2 256 of The transaction value plus Gbc All thes for just 55 50 per month Contact Chris Dwyer on 1300 136 566 for more information on this exciting product Here to enable DDR Payments today Aecount Status A snapshot view of your account settings Terms of Serice F es Del aub p Password Creda Card Processing Loe ue DOR Service Enable DDR Payments Dady CSV Report a This shows the current account code and name the system status and the most recent processing summaries the total amount processed each day Your account is OK to process transactions if the top three items in the Account Status
23. asabaatenenssacsescaeediabastuchassiacccuseasies 19 0 VIRTUAL TERNIIN XE cue asE usa aeu Ea ae REAPER eR Cen Yo CUL rU CIR 20 ra UENIT MR E 20 DOWNLOAD AND SYSTEM Eta ea TUE tav 20 TERMINAL OO UOI 21 Te PAYMENT PROCESSING nr icccescdccisdecetest cesccssciisvessetassicasscansadeceaissagacsaveabenensiacsesdauseessdaaseascedoseaduseeacsen 24 PROCESSING THROUGH VIRTUAL TERMINAL ccccccccceeccccecccesccctccccececccceuccceucecseccusccesecccseceusensecensseceesensecensceneess 24 SE OPE NODE 24 8 DSER ACUESS LIST uoi ecco 26 STEP 1 CREATING AND EDITING USERNAMES cceccesccecccecccecccnccccccsccesccsecusecusceusceusceuccesccescceseesscesecescesecs 26 9 REFUND PROCESSING 6 wen PER A FIRME Ip FER EUER 28 10 sie LIP 29 11 BATCH PROCESSING FOR THOSE MONTHLY CHARGES 2 0 cccccsccccscccccccccccccccccees 30 YOU HAVE GREATER THAN 100 TRANSACTIONS cccccseccscccscccscccsccusccucccssccnscesscenccscasccsscesccesecesecesecescaescaesenes 30 YOU HAVE LESS THAN 100 TRANSACTIONS ccccseccecccscccncccsccescccsccusccuscessccssce
24. dent with him he suspects nothing Now when the purchase 15 disputed by the real cardholder the retailer will visit the home to demand payment or collect the goods The shock will be felt immediately when the real home occupants can prove they were away during that period never purchased that equipment and do not know any person matching the description of the gardener In this case the retailer will forfeit the sale and will have lost the goods Many deliverymen are no longer leaving goods in the manner described here They are asking the buyer to prove they live in that house by Page 8 Confidential eMatters 1998 2008 asking to leave the goods inside They will not leave the goods unattended on the front porch nor will they deliver to common places like carparks hotels and playgrounds They are also requesting to see photo identification and the actual credit card used in the transaction As you can see in this extract the most important aspect of an eCommerce system is the delivery process It does not matter if you ask for 17 forms of ID to be emailed or faxed to your office if you cannot track the person down after the sale has taken place you may as well stand in the shower and tear up 100 notes And eMatters cannot possibly be able to identify with 100 accuracy all transactions that are fraudulent Some transactions which escape through our fraud screening system as valid may turn out to be fraudulent
25. e credit card number You Number must use the bank s method of hiding the full card and enter it exactly as shown in the transaction detail You can only enter up to the first six numbers only Confidential eMatters 1998 2008 Page 11 Extra Search This is a two part search Part 1 is to choose the field on which you wish to search Part 2 is to enter the search value in the adjacent empty box The search value can be a wildcard For example if you needed to find a John Smith you would enter Name in the Extra Search Drop down then Smith in the value box This will find all the Smiths Smithers Smithersons etc including Mr Dr Miss Mrs Ms and any other combination you can find Page 12 Confidential eMatters 1998 2008 Sample Search 1 Perhaps the bank has sent a transaction enquiry and has provided you with the card number in question Enter the first four digits of the card number to generate a list of all transactions within the date range that have been processed Products Merchants Integ Matters Internet Payment Solutions for an evolving world internet Payment Solutions Transaction List Search Transactions Recurring Transactions Account Management Manual Transaction Merchant Desk Home Logout Start Date Approved only Card Number eg 455702 262 or 4557027 01 01 2005 No 4072 Your Search Results will appear here This search resulted in two transac
26. ells should ring e Check the delivery address using the WhitePages and Street Directory where possible e Know your cardholder personally if at all possible e Ifapplicable use Fraud Screening Systems and verify the Security Codes also known as Validation Codes on the card e Obtain a signed proof of delivery from the shipper for delivered goods e Protect your merchant ID and terminal ID so no one submits transactions without your permission e Protect your passwords to our Merchant Desk e Stolen Cards The eMatters system is aware of cards which have been reported as lost or stolen and we will not approve a transaction made on these cards We will return usually error code 04 You should be wary of any future transactions by the same customer or delivery that uses the same address Confidential eMatters 1998 2008 Page 7 e Customer Fraud Here is an extract from my recently published book entitled Selling Snake Oil at Lightspeed Wouldn t it be great to get the retailer to actually deliver the goods to your doorstep without having to pay for them The advent of Internet eCommerce has allowed the home shopper to purchase almost everything without leaving their home Some years ago a man in the United States spent 30 days inside his home with the challenge to function fully but not do anything himself He arranged for all cooking cleaning and shopping to be done online He also ordered a service to take
27. etails Enter the price you wish to refund inert Payment Soe without a minus sign at the bene QS MEM front and any comments to ie boise CORREA appear with the transaction dim ee ee Phase that eur bank may have put kets on the size nf ach refund Often thes im 41 000 per day per Cad tht i he epit You must enter your Security Pin obtained from eMatters customer Mame DRYER Without this PIN the transaction will fail Hitting Submit will process the ere refund instantly xg cs Confidential eMatters 27008 Page 17 4 Manual Transaction From time to time you will find it to Process a manual transaction Perhaps the client wants urgent d and you need to charge 30 Perhaps they omitted one item and wish it to be included in the order ice oem sf AOL Pe 5 ie r REN PE CAL Messenger Ley web LOLLES LEJ u mae E N elivery e Web I nod Internet Fayment Solutions far evalving ward internet Payment Solutions redit Cards Direct Debits My Account Merchant Home Or perhaps you have any number of dozens of reasons Simply click Manual Transaction and the following screen appears Field SubMerchant Batch Name Email Address Credit Card Number CVV Expiry Date Cardholder s name
28. his customer Usually a Customer Code Which Day Number The transaction will be charged on this day number each month Must be between 1 and 28 Next Processing This is the next time we will process this transaction It can be ANY date in the future from tomorrow onwards How Many to process Specify the number of transactions to process Delete after Next This will delete the transaction after is has been charged good for processing single payments only Locked If this is YES the transaction will NEVER be processed On the set day we will process the transaction from their account The funds are held in trust with eMatters for 5 clear days and then settled with your account This is to catch any bounced or incorrect transactions Confidential eMatters O 1 Page 33 Completed Transaction List Demonstration Client This screen details the transactions which have been processed They are grouped by Date then shows Customer Name BSB Account and the Amount Charged The Submitted and Settled Columns are important A green tick in the Submitted column indicates that we have submitted the request to the customer s bank While we hold the funds in trust the Settled Amount will be 0 and the Settled column will show a Red Cross Only when we actually settle the amount with the Settled Amount contain the value and a green tick will appear If the transaction bounces for any reason the Settled amou
29. ions Virtual Terminal User Access List af Previous Page Next Page P af LDrewiwic Dana BSAS BE Click Create User on the right side of the screen and the following appears giving you the location to enter the Username Fullname and Password urity Details Site Code MELO900 Merchant Details Your Company Name eMatters Payment Gateway Username Fullname Password Username A unique name which will be easiliy jsmith remembered by the operator and will be used to identify the operator against each transaction Fullname The actual name of this user purely for John Page 26 Confidential eMatters 1998 2008 administrative purposes Smith Password A combination of letters and numbers UJTY56PO between 6 and 10 characters in length Enter a Unique Username Full name and password Then click either button 2 Save Changes or button 3 Cancel changes Now the User Access List has the following entry WIL LLICU Username Fullname jdoe John Doe Created on 1040 2005 01 33 20 and modified on 1040 2005 04 33 20 t Previous Page Click Create User until all your users have the required logins Once all users have been created you can start to download and upgrade the Virtual Terminal software from our website Confidential eMatters 1998 2 27 9 Refund Processing Refunds are now processed through the Merchant Desk Locate the tran
30. nt Solutions Version 3 1 1 Internet Payment Solutions Version 3 1 1 has been successfully installed The installation is now complete Please make certain to run the Configurator to make sure the values are set to yours If you receive any Comdlg32 or Msfmtdlll errors upon starting this application please refer to our Knowledge Base under the Integration section of the eMatters website for more When you press Finish the Virtual Terminal Configurator is started allowing you to set your own settings for operation Page 20 Confidential eMatters 1 Terminal Configuration Chris D wpermeM athers cam au D Field Name 1 Order Date Feld Name2 ETA Field 3 Rate 5 Matters annes internet Payment Solutions Save and Exit Cancel This Configuration Screen must be filled in correctly or processing errors WILL occur Potentially funds will be sent to another merchant Confidential eMatters 1998 2008 Page 21 Mandatory Fields Company Name eMatters Login eMatters Merchant ID Bank Live or Test Return eMail Address Important but not crucial Fields SubMerchant Name ABN Customer Receipt Sender s eMail Address Enable MultiMerchant Allow Recurring Frequency Enable Batch Billing Mode Enable Card Reader Password Protect this Application TimeOut Page 22 Details The name that appears on the receipts that are se
31. nt to your customer The code issued by eMatters to you in your Merchant Profile Document It MUST not remain as MELOO36 it must be changed to your code MEL0987 The code issued by eMatters It is usually just the numeric part of your eMatters eg 987 Login Must be the specified bank you chose at account creation time The address to which we will send a copy of our receipt Details Allows you to break down each transaction useful if you are running events or functions Your ABN Number appearing on receipts Should the customer get a copy of the transaction from us Who appears to send this receipt to the customer ie accounts yourcoy com au Allows the Virtual Terminal to operate more than one Account or more than one SubMerchant code This will allow you to save the configuration file as a name other than vt ini say JulyConf ini You can then create as many ini files as you require Defaults the payment page to either Yes or No If set to Yes then all approved transactions are then re billed depending on the frequency shown below The number of days between charges This option adds Batch Billing to your Virtual Terminal allowing you to process a CSV file of up to 100 transactions Our Virtual Terminal can operate with a keyboard wedge magnetic card reader This allows simple input of card data when the customer is present Enable our Secure User Access List module which requires that a
32. nt will show 0 and a red cross will be shown The Comments column will show what the problem with the account is eMatters Direct Debit Management Console Mozilla Firefox n x File Edit View History Bookmarks Tools Help p https merchant ematters com au ddronline nsffbed925d40d 3 v gt coole eA Customize Links Free Hotmail Windows Marketplace Windows Media Windows a Mark this as Bounced e Matters Internet Payment Solutions for an evolving world internet Payment Solutions MELO900 eMatters Credit Cards Direct Debits Direct Credits My Account Merchant Home Completed DDR Transactions Previous Page Next Page Amount Amount Name BSB Account Submitted Settled Comments Charged Settled EIN PIS ww 06 07 2007 8233 00 233 00 pp 111 111 5123 00 P 122 00 110 00 s 110 00 27 08 2008 379 20 379 20 White Demonstration Client 833 000 123274383 79 20 af 579 20 29 07 2008 379 20 379 20 White Demonstration Client 123274383 579 20 572920 08 07 2006 1 00 1 00 test Demonstration Client 000 000 00000 1 00 af 51 00 af 27 08 2008 379 20 379 20 White Demonstration Client amp 33 000 1232743583 75 20 af 579 20 af 27 05 2008 379 20 379 20 White 832 000 123274383 79 20 af 57820 f 07
33. oney d fi MELT MELO e gg THANSALTI A dE ALTO ALT oa eee 2210 G TREANSALTI 28 02098 7 BYDIMESBUDDUME TIBI I3 Baci 570 T5097 Ou OR inre ALIC 3833 i ANEACTION APPROVED 210262 DUMVEH CHHISTOPHEH 20052271132848 135 553 TRANSACTION APFROVEDS i be Aa ZDOSOGZTTAUZ 10 2s TIS OSS TRAST Find the transaction in question and read the status Column Meaning Type Approved Declined plus Purchase Refund Pre Authorisation Date Transaction Date Settlement Settlement Date can be the day after the transaction date if processed late at night Name Customer Name UID Your Unique ID Card Partial card number Number Amount Amount of the transaction Refunds are shown in brackets Bank The response from the bank Response SubMerchant The code you have allocated to this transaction Batch The batch number that we received with each transaction Page 10 Card Card type IP The Country code relating to the Customer IP Address Bin The Country code relating to the Customer Credit Card To display further information on the transaction click the person s name Refer to the following section for details on this e Option 2 Quick Transaction Search It is possible to perf
34. orm a quick Optional Settings search from the transaction list or display transactions between laaimmiyyyy and Show Approved Transactions Only displaying up to 100 transactions 2 Show these dates only This displays the same information you are currently viewing but removes all non approved transactions The list will only include transactions with a 08 bank response Show these dates only By entering dates in the two date boxes only transactions between these dates will be shown This is useful if you want to produce a list that is to be sent to your finance group each day allowing for simple reconciliations e Option 3 Detailed Transaction Search If you know other information about the transaction such as name or unique reference number and do not want to visually scan the list then Transaction Search is your best option Click Search Transactions from within the transaction list The following settings apply Field Details Start Date The starting range to search Must be entered in the format shown dd mm yyyy End Date As above Approved only Setting this to Yes will only show transactions with a bank response code of 08 Approved Good for bank reconciliations Setting this to No will show all transaction attempts through your account Good for your account management fraud detection and checking order accuracy This is a special field used to search for the Credit Card encrypted value of th
35. ports Batch Processing Mark Account Live Code Samples Encryption Algorithm Invoice Categories Confidential eMatters 1998 20 net Payment Solutions MELO900 eMatters Payment Gatewa eMatters Help Desk All quenes are best handled 5 We wall endevour to respond to all queries within 24 here 10 go to the Help Desk system You have 0 ita Aes Help Desk eMatters DDR The newest way of processing recu account on the nomenated day and you recene the within 5 working days And just pay 2 2 of the tran plus 66c All this for just 5 50 per month Contact 1300 136 966 for more information on this exciting pq 10 Encryption Algorithy Here to enable DOR Payments today Account Status A snapshot wew of your account settings Terms of Senice Banking Details Description Allows you to change account emails bank account numbers where we take our fee and general transaction settings The online eMatters Help Desk system where all queries are to be logged Maintain your user access list of Names and Passwords for access to our Secure Virtual Terminal Download copies of your invoices with a file attached listing each transaction that made up that invoice General monthly reports including our famous Reconciliation Report Download copies of each settlement and lodgement report Create a batch to be processed using our overnight processing system Good for large vol
36. saction to refund clicking on the transaction list to display the following screen eMatters Credit Card Payment Form Couldn t be simpler Microsoft Internet Explorer T l x File Edit View Favorites Tools Help Back ix B A Search 5 0 Favorites i2 Send 2 3 Address https merchant ematters com au cmaonline nsf cda894b89b6cO0c89caZ256F23000F 109F 537228745d853e1 ecaz2570340023b3db OpenDocument Go Products Merchants Integration Apply Now Contact Us Home for an evolving world E Matters Internet Payment Solutions Internet Payment Solutions Refund this transaction Resend Receipt Re Process Card Query wrong IP BIN for any amount Send RePrinted receipt to the Recharge this card with the same Send email to customer asking gt transaction size of esch refund Often the ia 1 000 per day per Done Ead 10 a he cris piara spit refund ever Enter the amount of the refund customer and yourself amount reason for mis matching Country of BIN and IP Previous Transaction Return to Transaction List Next Transaction gt gt RANSACTION REQUEST Merchant Details e Ouch Consulting info ematters com au SubN amp rchant Code Book Customer Details Name eMail Micra internet Explorer i sem O
37. seceuccscasecsccsscsecsecssecsscnsscaesenes 31 12 DIRECT DEBIT PROCESSING 2 0 cccccccccsccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccceecs 32 PENDING TRANSACTION 32 DATA ENTRY 33 COMPLETED TRANSACTION LIST 34 DIRECT DEBIT COMPLETED TRANSACTIONS ccsccscceccsccecceccesceccceccuscescesceestescescescesscesescseceescescaccesceeseuseascescuess 35 13 COMMON CREDIT CARD RESPONSE CODES 2 ccccccsccccccccsccccccccccccccccccccccccccccccccscccecccecs 36 Confidential eMatters 1998 2008 Page 3 1 eMatters Comprehensive Internet Payment Solutions eMatters provides different solutions for your needs Online Batch Recurring and Point of Sale FROM YOUR WEBSITE With the eMatters Online solution you have total control over the customers experience Perhaps you want your payment page to look exactly like your website Perhaps you want the security of the eMatters brand displayed clearly Perhaps you want us to collect extra information This is all possible with the eMatters Internet Online solution ON THE ROAD Being able to charge your customer s credit card when you are away from your office is now possible using the eMatters Pay By Phone Available from landline and mobile phones
38. sk is the place to go to check the following Transactions that have been processed e Transactions that will be processed in the future through the recurring system Status of a batch upload Manual Transaction processing Current and Old invoices Check system status Process refunds Download sample codes and modules Download the encryption module for HOSTed transactions Virtual Terminal download It contains every transaction that has been processed through your connection with eMatters It maintains approved and declined transactions for a period of 12 months After 12 months the transactions are archived from the Merchant Desk and are no longer available They can however be purchased on CD for a small administration fee Confidential eMatters 1998 2008 Page 5 How to login to the Merchant Desk Your eMatters username and password will have been issued to you when you Registered Merchant Login created your eMatters account If you username do not remember these please contact password oon our office on 1300 136 966 to request your account be reset Merchant Desk Welcome Screen Once logged in your personal welcome screen is displayed eMatters Credit Card Direct Debit 5445 Gateway Australa Hew Zealand eCommerce Microsoft Internet Explorer Edit Yew Foveribes Josh Hen r7 Qe x ia earch Sy Ferite e he pe imi T n 2 43 ders meeps merch
39. t lt Declined gt gt or 816 Expired Card indicate the transaction was not approved You should not complete the sale as you will not receive the funds e IP Bin Details This section is to double check the fraud screening system In this example shown here the person was located in Australia their IP Address was 202 67 65 172 and their credit card was issued by Citibank Limited AU Based on these two countries matching this transaction is a low risk transaction You would compare this also with the delivery address of the goods you are selling Perhaps the delivery address is located in New Zealand which would require you to ask the purchaser Why are you located in Australia using an Australian credit card yet the goods are going to New Zealand IP Address is only useful if the customer has entered the transactions themselves via a website not useful from Virtual Terminal Be sure to check the IP Address of the transaction with the DELIVERY address located in your system If the IP Address and Delivery address is different then you should not ship the goods At the very end of the screen is a copy of the bank generated EFTPOS receipt This can be used if you need to query the bank for any purpose at any stage in the future e Buttons Across the top of the screen are numbered buttons They are numbered 1 through 9 but only the suitable ones for each transaction are displayed No Button Label Purpose 1 Ref
40. tions being found one for 5 anda refund for 5 Clicking on the transaction detail would enable the card number and customer information to be compared Products Merchants Integration Apply Now Contact Us Home Matters Internet Payment Solutions for an evolving world Internet Payment Solutions Transaction List Search Transactions Recurring Transactions Merchant Desk Home Logout Ho Trans Date Name Rcode Settlement SubMerchant Card 7 101 03 2005 1111 55 08 01 03 05 Book v m 2 01 03 2005 8 1111 5 08 01 03 05 Book v Confidential eMatters 199 08 Page 13 Sample Search 2 Perhaps you know the person s name starts with Dr in this case you know the person was a doctor but cannot recall the name Remember that Dr John Smith is very different to Dr Jon Smith So searching for Dr is often the quickest way to find the transaction Products Merchants Integration Apply Now Contact Us Home E Matters Internet Payment Solutions for an evolving world Internet Payment Solutions Transaction List Search Transactions Recurring Transactions Account Management Manual Transaction Merchant Desk Home Logout Approved only Card Number eg 455702 262 or 455702 No amp Mme ae m Your Search Results will appear here The results show that one person whose name started with Dr purchased through this site on 06 12 2004 Again clicking on the det
41. ttersddr nsfiFi E Customize Links Free Hotmail Windows Marketplace Windows Media Windows ES iy E Matters Internet Payment Solutions Internet Payment Solutions Merchant Details Your Company Name eMatters Payment Gateway Your Email info eMatters com au Your ABN eS Your Address levais 350 Collins St Suburb Melboune Postcode State New South Wales Phone 0299999999 02 8886 8888 Invoice Description Supply of Services Your BSB Number Your Account Number DDR_ACCNUM Your Account Name DDC_NAME _ Payment Details Reference Code Pointy He Customer Name NEN Customer ABN BSB Account Number rom i eMail EE Fon a e Which Day Number 1 deo FH Next Processing 28 03 2008 How Many so far 0 How many to process or leave blank for aani Am un ending Delete after Next Processing Date No si Fo M Locked api 2 Transaction Details Histo Transaction Amount Charge 0 00 Save Changes Cancel Changes ce P B T uU PLI vL TLI These details relate to your account details They are collected from the My Profile document when a new DDR is created They can be changed with each entry or left as they default These are the Customer Payment Details Click Point4Help on each line for more details Reference Code A unique code which relates to t
42. ume where instant feedback is not required The format MUST be 100 accurate or errors and charges will occur To enable your account to be run in LIVE mode Generic ASP PHP and OSCommerce samples are available here They are purely for testing and although they work are not to be used in their raw format They must be reviewed by your own developers before going live This is your own unique algorithm to decrypt the codes we send back to your site This is only to be used in the HOSTed method Create and allocate each transaction to a category Page 19 6 Virtual Terminal Configuration Download and System Setup Open the vt setup 32 exe from the eMatters Merchant Desk The following screen appears Choose Next on all screens until the following is displayed Welcome Welcome to the Internet Payment Solutions Version 3 1 1 Installation Thank you For choosing the award winning eMatters Internet Payment Solutions The Virtual Terminal gives you the ability to process phone fax mail and manual credit cards instantly and easily BillSmart allows you to store your customers credit card details with eMatters in a secure manner then simply retrieve them For Future sales eMatters Bank is our automated DDR Uplaod application For Direct Debit Transactions For more information please visit http JeMatters com au Installing Internet Payment Solutions Version 3 1 1 Installing Internet Payme
43. und this transaction Process a refund using the card details shown on the current screen Any amount from 0 01 to the original amount can be refunded Note that your bank may limit the amount of each refund If this applies to you you may need to split the refund across two or more transactions Refunds are processed every 60 Page 16 Confidential eMatters 1998 2008 minutes by our system 4 Release and Process Due to fraud screening rules we may block the transaction You are then required to manually check the transaction and determine if the fraud risk is acceptable for your business If you decide it is then use this button to send the transaction to the bank 6 Resend Receipt Use this button if you and or the customer require a reprint of the original receipt as Supplied by eMatters 7 Re Process Card Use this button to re process the cardholder s card for the same amount This is only ever useful if the first transaction was declined due to a Telstra line failure you can then re process without having to contact the customer Return to Transaction Returns to the Transaction List List Transaction Buttons e Refund Transaction Button 1 A screen is displayed with some of the current transaction 2 2 oes details and a few areas RES UE Se ee Bepdlurtz Merchants Integration Fam CemtrriUm a E Matters Internet Payment Solutions Perley requesting new d
44. you simply dial a 1300 number key the biller code invoice number card details and invoice amount The transaction is processed in realtime and a receipt is emailed to you CALL CENTRE Some customers prefer to speak with a person rather than process their details themselves The Virtual Terminal is specifically designed for this Allowing multiple username and password combinations the Virtual Terminal has a unique TimeOut feature which deletes all sensitive customer information after 60 seconds One more way eMatters helps in keeping account details secure eMatters at a glance As for security it is important to know that eMatters is certified by Visa and MasterCard under their Account Information Security AIS program EVERY MONTH Our recurring system allows you to charge your customers the same amount each month Also available is an option to charge your customers different amounts each month SMS CONFIRMATION We can deliver an SMS message to your admin staff after each order reducing the time taken to ship the goods to your customer Online Credit Cards Daily Direct Debits Batch Processing BIN amp IP Screening Verified By Visa True MultiCurrency Franchise System Recurring Processing Fraud Screening IVR Instant Reporting SMS Authentication Pay By Phone Payroll Processing Confidential eMatters 1998 2008 Page 4 2 Merchant Desk The Merchant De
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