Global Iris Virtual Terminal - the Global Iris Resource Centre

Global Iris Virtual Terminal - the Global Iris Resource Centre
Global Iris
Virtual Terminal
User Guide.
October 15
Table of Contents
1
About This Guide.......................................................................................................................... 3
1.1 Purpose .................................................................................................................................... 3
1.2 Audience ................................................................................................................................... 3
1.3 Related Documents .................................................................................................................. 3
1.4 Terminology .............................................................................................................................. 3
2 Global Iris Virtual Terminal .......................................................................................................... 4
2.1 Log In ........................................................................................................................................ 5
2.2 Processing a Card Payment ..................................................................................................... 6
3 HomeCurrencyPay on the Virtual Terminal ............................................................................. 12
3.1 Introduction to HomeCurrencyPay ......................................................................................... 12
3.2 HomeCurrencyPayCustomer Selection before Authorisation ................................................ 12
2
1
About This Guide
This section outlines the purpose and aim of the guide, target audience, any source materials or
terminology used, and a general document description. Please note that this document is regarded as
confidential and is for customer use only. It has been supplied under the conditions of your Card
Processing Agreement.
1.1
Purpose
The purpose of this guide is to provide all of the details required to use the Global Iris Virtual Terminal.
1.2
Audience
The target audience for this guide is merchants who take card payments over the telephone or by mail
order.
1.3
Related Documents
In addition to this guide, you can also refer to the following additional documents:
 Global Iris RealAuth Response Codes
 Global Iris RealControl User Guide.
1.4
Terminology
Term
Description
Account
The account used to collect card transactions on Global Iris. (It is possible to have
multiple sub accounts set up on your main account, all account names set up will be
displayed in a drop down box.
The process of submitting the request to the card issuer for authorisation via HSBC
Merchant Services.
The numerics of an address sent in with an authorisation. This is used to validate
the address of a card holder. It is broken into two fields; House/Apt numbers and
post code numbers.
The process of collecting all valid authorisations for your account and submitting
these to HSBC Merchant Services for settlement.
HSBC Merchant Services.
This is a response that you can receive when a transaction is sent for authorisation.
When an authorisation is declined, this means that the issuing bank of the
cardholder have decided not to allow the transaction to go ahead. Payment will not
be taken from the card.
All transactions that have not yet been settled:
These may be transactions that:
 are waiting to be settled by Global Iris automatically (occurs at midnight every
night); or
 need to be manually settled by you.
Similar to refund except that it is dependent on an original authorisation. The
amount can be up to 115% of the original amount. You can rebate a transaction for
up to 90 days from when the original transaction took place.
A transaction that refunds monies to the cardholder and will debit your account - it is
processed in the same way as an authorisation. A refund is not dependent on an
original transaction.
Batches of transactions that have been sent to the HSBC Merchant Services for
settlement are known as "settled" transactions.
When HSBC Merchant Services pay/move the funds into your nominated account.
A request for a credit or debit card authorisation or refund.
A reference that you can send to us during the authorisation request process.
Authorisation
AVS – Address
Verification System
Batches
Card Processor
Decline
Pending
Rebate
Refund
Settled
Settlement
Transaction
Variable Ref
3
2
Global Iris Virtual Terminal
Global Iris Virtual Terminal is a solution for merchants taking card payments over the telephone or mail
order, either in a small office or a larger operation such as a call centre. The Virtual Terminal application
allows your agents to enter card details and order information, then authorise the card for payment.
This chapter describes the following:
 Log In
 Processing a Card Payment
4
2.1
Log In
You can access the Global Iris Virtual Terminal by visiting: https://vt.globaliris.com
The Log In screen is displayed.
To Log In
1. In the Company field, enter your company name as supplied by the Global Iris support team.
2. In the Username field, enter your username.
3. In the Password field, enter your password.
4. Click log in.
Note: These screen shots are for a sample merchant.
5
2.1
Processing A Card Payment
Once valid login details are entered the Card Payment Screen is displayed.
Note: See the table 1 below for valid entries to each field on the screen.
6
To Process A Card Payment:
1. In the Cardnumber field enter a valid card number. When entered, the corresponding Card
Scheme logo will appear.
2. In the Expiry Date field, enter a valid month and year.
3. In the Cardholder Name field, enter the cardholder name as it appears on the card.
4. In the Security Code field, enter the 3 or 4 digit Security Code that is found on the back of the
card.
5. From the Security Code drop-down list, select the status. This will default to “present”.
6. In the Amount field, enter the value of the transaction and select the relevant currency from the
drop-down menu.
7. In the Account field, select the correct sub-account name from the drop down menu.
8. In the Product field, enter a product code.
9. In the Customer field, enter a customer number.
10. In the Var Ref field, enter a reference.
11. In the House/Apt Number field, enter the numerics of the house/apartment number. If you enter
characters that are not 0-9 these will be removed.
12. In the Post Code field, enter the postcode. If you enter characters that are not 0-9 these will be
removed.
13. In the Address field, enter the full address, with commas to separate the different lines.
7
This screenshot shows the completed Card Payment screen.
Click Authorise. This authorises the card and processes the payment, should the Card Issuer approve
the transaction.
8
Table 1. Data Entry Field Definition
Field
Format
Length
Order ID
Cardnumber
Expiry Date MM
Expiry Date DD
Cardholder Name
Security Code
Amount
Account
Cust Num
Address
Prod ID
Var Ref
House/Apt Number
Post Code
a-z A-Z 0-9
0-9
01-12
01-31
a-z A-Z " " - '
0-9
0-9
a-z A-Z 0-9 _ ""
a-z A-Z 0-9 "" - _ . , + @
a-z A-Z 0-9 "" - _ . , + @ 0-50
a-z A-Z 0-9 "" - _ . , + @ 0-50
a-z A-Z 0-9 "" - _ . , + @ 0-50
0-9
0-9
1-40
12-19
2
2
1-50
3 or 4
1-8
1-50
0-50
0-50
0-50
0-50
0-50
0-50
9
Authorised Response
If the card is authorised for the payment, a message is displayed showing the result of the Authorisation.
It can contain the Result Message and corresponding Code, the Authorisation Code, Security Code
Result, AVS House/Apt Number Result and AVS Post Code Result.
Click Clear to clear the screen, making it ready for a new card payment.
10
Declined Response
If the request for authorisation is declined by the Card Issuer a ‘declined’ message is displayed.
11
HomeCurrencyPay on the Virtual
Terminal
3
3.1 Introduction to HomeCurrencyPay
The HomeCurrencyPay service allows merchants to offer international cardholders the choice of paying
for goods and services in the cardholder's home currency or the merchant’s base currency. The currency
conversion features are available across the Global Iris range of online and integrated solutions. The
HomeCurrencyPay service is provided by Global Payments.
The HomeCurrencyPay solution allows merchants to share in the foreign exchange margin normally
recognised by card issuers and card schemes. With the HomeCurrencyPay solution, merchants can
benefit from additional revenue in a foreign exchange risk free environment as all FX risk is absorbed by
Global Payments.
The currency conversion features are multi-channel and can be easily integrated to an internet or call
centre environment. The currency conversion process available via the Global Iris system is as follows:

HomeCurrencyPay with Customer Selection before Authorisation
This is outlined below. If you have any queries please contact us on 0345 702 3344 for further information
on these options.
3.2 HomeCurrencyPay Customer Selection before Authorisation
This service offers the cardholder the option to select their card billing currency as the payment currency
and fix the foreign amount of the transaction to be charged to their card prior to the actual authorisation
through the Virtual Terminal.
For example, say you are selling an item for £100. Without a HomeCurrencyPay enabled solution, a
customer from the Australia will be paying in GBP, and will see something similar to this on their credit
card statement:
13/03/2014
TEST MERCHANT UK 100.00 GBP @ 2.4538 AUD/GBP
$245.38
As you can see the customer will not know what amount they are going to be charged in Australian
Dollars until they get their statement, and it is the bank that issued their card that controls the foreign
exchange. With a HomeCurrencyPay -enabled solution, the customer again shops with you. After the
agent enters their card number and hits the authorise button the below is displayed:
12
The merchant will have to read this to the customer to ensure they are offered the choice - either they can
continue with the GBP transaction as above (GBP- base currency of the merchant), or they can select to
continue in their own currency.
13
The Virtual Terminal will display the following results to the merchant:
If they choose the US Dollar amount, then they will see the following on their statement:
13/03/2014
TEST MERCHANT UK 245.38
$245.38
As you can see the amount charged to the cardholder’s card is exactly the same amount as they were
offered during the HomeCurrencyPay process. HomeCurrencyPay gives cardholders choice, certainty
and peace of mind when making an international transaction, which can help reduce disputes.
The merchant and Global Payments now determine the foreign exchange rate rather than the issuing
bank and card schemes. The merchant continues to receive settlement in their base currency (GBP) and
receive their guaranteed share of the HomeCurrencyPay revenue at the agreed frequency.
14
Global Payments
51 De Montfort Street
Leicester
LE1 7BB
Tel 0845 702 3344*
Textphone 0845 602 4818
Email globaliris@realexpayments.com
Global Payments is HSBC’s preferred supplier for card processing in the UK.
Global Payments is a trading name of GPUK LLP. GPUK LLP is authorised by the Financial Conduct Authority under the
Payment Services Regulations 2009 (504290) for the provision of payment services.
GPUK LLP is a limited liability partnership registered in England number OC337146. Registered Office: 51, De Montfort Street,
Leicester, LE1 7BB. The members are Global Payments U.K. Limited and Global Payments U.K. 2 Limited. Service of any
documents relating to the business will be effective if served at the Registered Office.
*Lines are open between 9am – 5pm Monday to Friday excluding public holidays. To help us continually improve our service and
in the interests of security, we may monitor and/or record your telephone calls with us. Any recordings remain our sole property.
We also provide a Textphone service on 0845 602 4818.
© GPUK LLP. All rights reserved.
GP023 02/2013
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