| In this guide you will: | |
|---|---|
| Be provided an overview of who we are, why you’re using our services | [Section 1] |
| Account Configurations (Batching and Address Verification System) | [Section 2] |
| Briefly describe each administration area link & what they are used for | [Section 3] |
| Figure out which offered services best match your needs | [Section 4] |
| Find what, where and how to implement our services | [Section 5] |
| Where to go when you have problems | [Section 6] |
| Discuss basic security precautions | [Section 7] |
| Other Information | [Section 8] |
| Section 1: What We Do | |
| We are your secure payment
gateway. Our main goal is to provide our merchants with secure methods of
accepting credit cards & other payment types on the Internet. We have grown
from this main goal to provide additional supportive ecommerce solutions
which include order forms, shopping cart solutions, membership &
subscription services, digital download services, and wireless payment
solutions, as well as many others. We work with your merchant bank &
merchant processor to provide an all inclusive ecommerce package. Your merchant bank is the bank in which you have your merchant account with. Your merchant bank processor is an intermediary between our company and the merchant bank when performing transaction authentication (such as Visa, MasterCard, etc.). Your merchant bank processor and merchant bank will assist in the processing & settlement of your transactions. You will be using our services to accept and authenticate credit cards and online funds. You may also be using our services for more advanced ecommerce solutions such as recur billing, password management & shopping cart services, to name just a few. Now that you have an understanding of who we are and where we fit into the ecommerce puzzle, we will move on. |
| Section 2: Account Configuration Recommendations | |
| Batches must be performed in
order to settle the transactions and receive the funds from the orders.
Your account was either setup to automatically batch your transactions
daily or for you to manually batch them. To find if you have to batch your
transactions – enter the Transaction administration area – A line at the top
of the page will advise you whether or not you have to batch. Return
transactions are automatically batched (even on accounts that are setup for
manual batching). By default, you are required to manually Assemble & Commit
Batches for orders you have recently received. We have the ability to set
accounts for automatic batching. This removes the need to assemble and
commit batches for your account. If you would like this feature enabled,
please contact us via the online helpdesk. Funds, from your successfully
batched transactions, will be deposited into your bank account typically
within 3 to 5 business days. Address Verification (AVS) is a check to compare the address information submitted with a transaction to the address information on file with the card-issuing bank. AVS information is only available on cards issued by U.S. banks. An AVS response is returned when a transaction is submitted. You, as the merchant, can decide whether to complete the order based upon an AVS response. All accounts have the AVS level set to “0” by default. This default level performs the AVS check on all transactions, however no automated transaction voids are performed when an address &/or zip code mismatch is seen. With this default level, it is the responsibility of the merchant to review their order confirmations and reject/void orders manually. We recommend setting the AVS level to at least a level of “1”. This will perform the most basic AVS transaction filtering. Please see the ‘AVS Specifications’ document in the Documentation/FAQ section of your account for more details. This document will contain an overview of the AVS system, provide a list of possible response codes, show what AVS levels are available, and tell you how to implement a higher AVS level in your account. CVV checking is disabled by default, but can be activated upon request. Please make your request via the online helpdesk if you wish to activate this type of fraud checking ability. Rule of thumb, if you think an order is fraudulent or questionable; you should verify the order with a phone call to the customer to verify they placed the order. Orders where the customer provides a shipping address that you believe does not exist, or where the customer is shipping to a separate country should be verified. Example: United States billing address with a Lebanon shipping address Enforcing AVS & CVV helps to verify fraudulent usage of credit cards. A simple follow-up with the customer and using our fraud tracking services/features is every merchant’s best bet to catch and verify fraudulent transactions. |
| Section 3: Getting To Know The Administration Area | |
| The Administration area is where
you go to manage and monitor your transactions and all services associated
with your account. When you login to your administration area you will be provided with links to all sections of your account. This will vary depending upon the type of account you have with us and what additional services you selected. Below we will provide you with a generic overview of all possible areas. Additional services that can be optionally subscribed to are marked with “(optional)” next to them. News and Announcements This section is used to announce new services & beta testing programs, indicate when service upgrades will be performed and provide any other important news that pertains to transaction/service processing with our company & services. Transaction Administration Also known as the ‘Virtual Terminal’; this section is used to review basic transaction info, process voids & returns (through automated methods), manually authorize & return funds to credit cards, assemble & commit batches (settle transactions) & review batches of settled transactions. Order Database This section is for reviewing & retrieving order details for transactions taken in through your web site (manually processed transactions will not appear here) EasyCart Shopping Cart(Optional) This shopping cart service is simple to implement, yet is a powerful shopping cart solution. This service allows you to have multiple order forms & products, without the need to host the shopping cart application on your web site. No scripting ability is required to use this service. All you host are your order form web pages. QuickBooks(TM) Module This service is designed to automate the entering of your transactions directly into your QuickBooks accounting package as either an Invoice or Cash Sales Receipt. This makes tracking of sales & reconciliation on your transactions faster & easier. Graphs/Reports This section allows to you create reports and graphs of your transactions and company progress. Email Management This section allows you to create, modify, and delete customer confirmation emails. These templates are used when some matching rule is met with the transaction & an email confirmation is needed. This allows you to offer different email confirmations to your customers when some condition is met (such as they order a specific product/service or when the total is greater then some dollar amount). Recurring Administration (Optional) This optional service provides automatic recur billing, installment billing &/or real-time password authentication management features. Coupon Management (Optional) This optional service is for designing & offering different sale promotions, discount coupons & gift certificates. Fulfillment Module (Optional) This optional service is designed to allow for the management and distribution of low byte count digital packages (DPKG). Typically this is a combination of usernames, passwords and/or PINs. This administration interface is designed as a stand-alone module allowing for the uploading and management of the DPKG, the distribution of the DPKG's will require customization of your processing scripts. This allows for flexibility to accommodate distributing multi-part DPKG's. Each DPKG that is uploaded is associated with an individual product SKU. When a purchase is made containing one of these SKU's, the system will retrieve a DPKG associated with that SKU and update the database to prevent that DPKG from being distributed in the future. Fraud Track This feature provides access to a company wide credit card negative database. This feature provides you the ability to add known fraudulent, stolen or charged back credit card numbers to our negative database. Card numbers entered in this negative database will not be able to be used on any account in our system. This helps reduce fraudulent transactions for all merchants using our payment gateway services. Fraud Track 2 (Optional) This optional service provides all features of the standard Fraud Track service, but also includes a large number of extra options, which assist in filtering out possible problematic or fraudulent transactions. This service includes enhanced AVS & CVV checking, IP address blocking, email domain blocking, bank bin number blocking, as well as many other transaction filtering options. Customer Service Profile (Optional) This optional service provides a merchant’s customer a self-assistance center, where they review their transactions on our gateway. The merchant may also provide addition features, such as the ability to void or return funds on current transactions the customer placed. Security Administration This section allows you to control security of your administration area. In this section you can create alternate usernames, which can access specific sections of your administration area & are assigned differed security levels. You can also register your server’s IP address to allow remote operations from outside our server’s admin areas. You can also change your username’s password, if you so desire. Affiliate Management (Optional) This optional service provides merchants the ability to signup, administrate affiliates, and provide ways to resell their products/services. This service also tracks & calculates the total commissions for each affiliate, provides reporting features & allows affiliates access to reporting features so they can track their own affiliate selling progress. Edit Contact/Billing Information This section allows to you to edit your company’s contact information, such as company address, phone numbers, email address contacts & technical assistance contacts. Billing Authorization This provides you a printable billing authorization form to allow for billing of your monthly fees, additional/optional services &/or custom programming. Testing Mode This activates a testing mode that can be used to test the integration of various services with your web site. The test mode will not affect real transactions & can test each response condition (success, badcard, & problem). This test mode however does not test your merchant processing ability; it just tests the integration of various web site based services by forcing the transaction to some predefined result. Documentation / FAQ This section contains links to service & feature documentation. This section also links to an interactive FAQ (Frequently Asked Questions) section which can help find answers to commonly asked questions, issues & problems. These features will assist in integration, problem solving, and addressing your issues in a faster more efficient manner. API & Cart Downloads This section allows you to download several available API’s and direct connection modules for various programming languages & operating systems. We also offer several add-on modules for various 3rd party shopping carts, which support our payment gateway. Integration This section provides you access to basic integration instructions to integrate your site and get started faster with our most popular services. Generate Order Forms This is one of many wizards available for your use. This wizard creates a stand-alone order form for a small number of products your company is offering for a one-time charge. Submissions from these order forms go directly to the payment gateway for secure on-line payment. This is what we refer to as “Smart Screens”. Help Desk This section allows you to securely submit your support questions, issues, problems, feedback & ideas to our support staff. We recommend you check our documentation & online FAQ sections first, and see if your issue or question is addressed there. Online Help These links appear next to the various services providing you additional information for that associated service or feature. |
| Section 4: Best Matching Your Service Needs | |
| The following services are most
widely used and integrated by merchants. This section will help you decide
which of these services may best suite your needs. Smart Screens Used when you have a handful of products. You would offer all of these products on a single order form. After selection of products from the page, the customer is immediately redirected to the payment gateway to pay for the order. EasyCart Shopping Cart (optional) Used when you have many products. These products would be for sale across several web pages placed through your site. In this service, you wish for the customer to order from any or all of your available products on any of the order form pages before they are redirected to the payment gateway for payment. Recur Billing/Membership Management (optional) You use this service to perform/offer automatic recur billing &/or installment billing options. This service can also be used to offer a password protected web site, which members pay to have access to use. Digital Download (optional) This service is used to sell a limited time access to downloadable digital media and documents. This is typically used when you offer something in electronic form where the customer is asked to download the purchased media/document. (Example: downloadable software, PDF documents, eBooks, etc.) The products are purchased via the Smart Screens &/or EasyCart Shopping Cart services. Affiliate Management (optional) This service allows you to have affiliates promote your products & services. They send your site traffic and get credited with successful sales. You cut a commission to the credited affiliates for bringing you the sale. This service can be used in conjunction with the Smart Screens, EasyCart Shopping Cart, Membership Management & Digital Download services. Coupon Management (optional) This service allows you to offer product promotions, discount coupons & gift certificates. This service can be used in conjunction with the Smart Screens, EasyCart Shopping Cart, Membership Management & Digital Download services. Fraud Track 2 (optional) This service allows you to do more detailed fraud checking of transactions and automatically filter out transactions that do not meet the minimum transaction requirements. This service is used in conjunction with all the Smart Screens, EasyCart Shopping Cart, Membership Management & Digital Download services & other services. |
| Section 5: Service Integration | |
| Please see the Integration section of your administration area in order to find information & steps on how to integrate our services. |
| Section 6: How To Best Handle Problems | |
| If you follow these steps, you
will find this will rectify most merchant issues in the fastest time. 1 - It is recommended that you review all documentation available for the service or feature you are experiencing problems with. Documentation & help information can be found within that service’s administration area or can be found in the ‘Documentation/FAQ’ section of your account. 2 - If the documentation did not assist you with your issue, then you should then turn to the online FAQ. Our online FAQ allows you to search questions by category/service or by keyword/key phrase. Answers to many commonly asked questions can be found here. 3 - If after reviewing the online FAQ & the issue was not addressed, then you should submit a brief, yet specific message of your issue to the Online Helpdesk. The Online Helpdesk is located in your administration area. When submitting helpdesk messages, please remember to include your username and the problem in your helpdesk message. Please specify URL’s &/or steps to reproduce the problem when available. Once received, our support staff will read your helpdesk message and email or call your company with the solution. If your issue was addressed in the online FAQ, we will provide your company the QA number that corresponds to your helpdesk issue. |
| Section 7: Basic Security Precautions | |
| You should read and review our
Privacy & Security Statement before opening your site to fully
understand how we do business. This document includes how we handle
merchant and customer information in our system & provides a better
understanding of our company’s overall policies. As a merchant, you have or will be assigned a login username/password that uniquely identifies you with us. Such information is intended to remain private and only known to those whom are intended to use it. The security of our system & the services you selected to use/subscribe for depends upon your correct usage/storage of said access information. Please properly store this information & prevent others from obtaining it. If this information should become available to others, you may bear responsibility for the actions of others who use this information to illegally access our systems &/or services. Should you become aware or have reason to suspect that your unique identifiers have been lost or has been disclosed to someone other than your authorized staff, you should immediately change your account’s login password through the Security Administration area. If you have problems changing your password, please notify our support staff via the online helpdesk & will assist you in changing your login information &/or properly securing your account from illegal access. |
| Section 8: Other Information | |
| Merchants are liable for their own integration, web site development, web site’s customer issues and account administration. Our support staff is available to assist your company if &/or when you have an issue, question or problem. However many issues have already been addressed in our online FAQ and in our online documentation. We recommend that you review these sections prior to contacting our support staff. |