PaymentTrust Payment processing solution User Guide

PaymentTrust User Guide

Version: 2.4

January 2007

Copyrights

Copyright 2006, PaymentTrust Limited.

All rights reserved.

Version 2.4

Issue Date: January 2007

Prepared by: PaymentTrust Ltd

Trademarks

Payment Trust logo is trademark or service marks of Payment Trust Limited. All other marks listed in this document may be trademarks of their respective owners and are mentioned for identification purposes only.

This User Manual is protested by the copyright laws and treaties and may not be reproduced without permission from Payment Trust Limited. You may not use this guide to reverse engineer the Payment Trust Limited PaymentTrust software.

C o n t e n t s

1.

What can paymenttrust do for your business?................................................................. 1-1

1.1 O

VERVIEW

.........................................................................................................1-1

1.2 A

LL MAJOR CREDIT CARDS SUPPORTED

.............................................................1-1

1.3 T

RADE AND SETTLE YOUR TRANSACTIONS IN

22

CURRENCIES

............................1-1

1.4 P

ROCESSORS SUPPORTED

...................................................................................1-1

1.5 U

SE OUR EASY

-

TO

-

USE SEARCH TOOLS

...............................................................1-1

1.6 P

AYMENT

T

RUST

,

A SIMPLE SOLUTION

...............................................................1-2

2.

Overview of the payment process ....................................................................................... 2-1

2.1 F

LOW OF AN

I

NTERNET TRANSACTION

...............................................................2-1

2.2 T

RANSACTION

T

YPES WITH THE

P

AYMENT

T

RUST

S

YSTEM

................................2-2

2.2.1

A

UTHORISE

(A)

2.2.2

S

ETTLEMENT

(D

EPOSIT

) (D)

2.2.3

S

IMULTANEOUS

A

UTHORISATION

& S

ETTLEMENT

(D

EPOSIT

) (S)

2.2.4

C

ANCEL

(C)

2.2.5

R

EFUND

(R)

2-2

2-2

2.2.6

P

AYBACK

(P)

2.2.7

B

ANK

T

RANSFER

S

ERVICE

- BTS (B)

2.2.8

F

OREIGN

E

XCHANGE

S

ERVICE

- FX (X)

2.2.9

3DS

ECURE

S

ERVICE

– 3D (V)

2-2

2-3

2-3

2-3

2-3

2-3

2-3

3.

How to use paymenttrust ..................................................................................................... 3-4

3.1 I

NTRODUCTION

...................................................................................................3-4

3.2 P

AYMENT

T

RUST

S

ETUP

......................................................................................3-4

3.2.1

T

HE

M

ERCHANT

L

OGIN

S

CREEN

3-5

3.3 N

AVIGATING THROUGH

P

AYMENT

T

RUST

...........................................................3-5

4.

Using the search tools ........................................................................................................... 4-6

4.1 S

EARCH

C

RITERIA

D

EFINITIONS

........................................................................4-7

4.1.1

S

EARCH BY

O

RDER

N

UMBER

4.1.2

S

EARCH BY

T

RANSACTION

D

ATE

4.1.3

S

EARCH BY

C

REDIT

C

ARD

N

UMBER

4.1.4

S

EARCH BY

R

EQUEST

T

YPE

4.1.5

S

EARCH BY

C

REDIT

C

ARD

T

YPE

4.1.6

S

EARCH BY

F

IRST

N

AME

4.1.7

S

EARCH BY

L

AST

N

AME

4.1.8

S

EARCH BY

MOP T

YPE

4.1.9

S

EARCH BY

S

TORE

I

D

4-7

4-7

4-8

4-8

4.1.10

S

EARCH BY

R

ESPONSE

C

ODE

4.1.11

S

EARCH BY

PTID

4.1.12

S

EARCH BY

C

URRENCY

ID

4.1.13

S

EARCH BY

C

URRENCY

ISO C

ODE

4.1.14

S

EARCH BY

B

ATCH

ID

4.1.15

S

EARCH BY

B

ATCH

T

IME

4.1.16

S

EARCH BY

BTID

4.1.17

S

EARCH BY

Y

EAR

4-8

4-9

4-9

4-9

4-9

4-9

4-9

4-10

4-10

4-10

4-10

4-10

4-11

4.1.18

S

EARCH BY

M

ONTH

4.1.19

S

EARCH BY

D

AY

4-11

4-11

4.2 I

LLUSTRATIVE

S

EARCH

E

XAMPLES

.................................................................. 4-12

4.2.1

S

EARCH BY

R

EQUEST

T

YPE

4-12

4.2.2

S

EARCH FOR ALL TRANSACTIONS BY

F

IRST

N

AME OCCURRING ON A SPECIFIC DATE

4-15

4.2.3

D

ESCRIPTION OF

S

EARCH

C

ONDITIONS

4-18

5.

Using the e-transaction terminal ...................................................................................... 5-20

5.1 A

UTHORISATIONS

............................................................................................. 5-20

5.1.1

A

UTHORISED

T

RANSACTION

5.1.2

R

EFUSED

T

RANSACTION

5-25

5-26

5.2 F

ORCED

A

UTHORISE

........................................................................................ 5-27

5.3 S

ETTLEMENTS

(D

EPOSITS

) ............................................................................... 5-28

5.3.1

S

ETTLEMENT

S

EARCH

5.3.2

S

ETTLEMENT

(D

EPOSIT

) L

IST

5-29

5-30

5.4 S

ALE

................................................................................................................. 5-33

5.5 F

ORCED

S

ALE

................................................................................................... 5-34

5.6 C

ANCEL

............................................................................................................ 5-35

5.6.1

I

LLUSTRATIVE

E

XAMPLE

– C

ANCEL

(S

EARCH

B

Y

C

LIENT

’

S

L

AST

N

AME

) 5-36

5.7 R

EFUNDS

.......................................................................................................... 5-40

5.7.1

I

LLUSTRATIVE

E

XAMPLE

– R

EFUNDS

(S

EARCH BY

O

RDER

N

UMBER

) 5-40

5.8 F

ORCED

R

EFUNDS

............................................................................................ 5-46

5.9 P

AYBACK

- C

REDIT

C

ARD

................................................................................ 5-48

5.10 P

AYBACK

- C

HEQUE

...................................................................................... 5-50

5.11 P

AYBACK

- E

LECTRONIC

C

REDIT

.................................................................. 5-52

5.12 BTS T

RANSACTION

........................................................................................ 5-53

5.13 BTS C

ONFIRMATION

..................................................................................... 5-54

6.

Using the reports ................................................................................................................. 6-55

6.1 C

USTOM

R

EPORT

W

IZARD

............................................................................... 6-56

6.1.1

I

LLUSTRATIVE

E

XAMPLE

- C

USTOM

R

EPORT

6-56

6.2 R

EPORT

L

IST

.................................................................................................... 6-66

6.2.1

D

ISPLAY

T

YPES

6.2.2

D

ESCRIPTION OF

S

EARCH

C

ONDITIONS

6-70

6-70

7.

The help section ................................................................................................................... 7-72

7.1 H

ELP

-S

EARCH

T

OOLS

...................................................................................... 7-72

7.1.1

T

RANSACTION

D

ATE

7.1.2

O

RDER

N

UMBER

7.1.3

C

REDIT

C

ARD

N

UMBER

7.1.4

C

ARD

N

AME

7.1.5

7.1.6

7.1.7

7.1.8

7.1.9

7.1.10

7.1.11

7.1.12

7.1.13

7.1.14

7.1.15

7.1.16

7.1.17

7.1.18

7.1.19

7.1.20

R

C

F

L

S

C

C

T

B

B

R

Y

M

EQUEST

ARD

IRST

AST

BTID

PTID

EAR

T

N

N

TORE

ATCH

ATCH

ONTH

I

D

MOP (M

T

T

YPE

URRENCY

URRENCY

ID

ESPONSE

YPE

AME

AME

IME

C

ID

RANSACTION

ISO C

T

ODE

ODE

ETHOD OF

P

YPE

AYMENT

) T

YPE

7-73

7-74

7-74

7-74

7-74

7-74

7-75

7-75

7-72

7-72

7-72

7-73

7-73

7-73

7-73

7-73

7-75

7-75

7-75

7-75

7.1.21

D

AY

7-76

7.2 H

ELP

-

E

-T

RANSACTION

T

ERMINAL

................................................................... 7-76

7.2.1

T

RANSACTION

T

YPE

C

ODES

7-76

7.3 H

ELP

-R

EPORT

S

EARCH

T

OOLS

........................................................................ 7-77

7.3.1

T

RANSACTION

A

MOUNT

7.3.2

A

UTHORISATION

C

ODE

7.3.3

C

REDIT

C

ARD

N

UMBER

7.3.4

C

URRENCY

C

ODE

7.3.5

D

AY

7.3.6

C

REDIT

C

ARD

E

XPIRY

D

ATE

7.3.7

M

ONTH

7.3.8

O

RDER

N

UMBER

7.3.9

7.3.10

7.3.11

7.3.12

R

R

T

T

ESPONSE

ESPONSE

M

C

ESSAGE

ODE

RANSACTION

RANSACTION

T

ID

YPE

7-78

7-78

7-78

7-78

7.3.13

Y

EAR

7-79

8.

Appendix I: message/response codes................................................................................ 8-80

9.

Appendix II: currency codes ............................................................................................. 9-86

10.

Appendix III: how to contact us ..................................................................................... 10-88

11.

Glossary of payment processing terminology............................................................... 11-89

7-77

7-77

7-77

7-77

7-77

7-78

7-78

7-78

1. W

HAT CAN PAYMENTTRUST DO FOR YOUR BUSINESS

?

1.1 Overview

Selling online presents its own set of dilemmas. Secure, cost-effective and reliable payment processing solutions are a constant concern. With PaymentTrust, Merchants can rest assured, and offer their clients a worry-free payment facility with the added benefit of an enjoyable shopping experience.

Merchants can benefit from the following features with our world-class payment processing solution:

1. The ability to authorise, process and manage debit and credit card transactions in real-time.

2. The ability to attract a larger client base by processing orders in 22 currencies.

1.2 All major credit cards supported

PaymentTrust supports all major credit cards including: Visa

®

American Express

®

, Discover

®

, Diner's Club and non PIN-based debit card UK Maestro

®

®

.

, JCB

, Master Card

®

®

, Carte Blanche

®

,

, Beneficial

®

,

1.3 Trade and settle your transactions in 22 currencies

Processing in multiple currencies eliminates your clients’ foreign exchange risks and issues, which typically stem from local charges to foreign credit cards.

PaymentTrust currently processes Visa

®

, Master Card

®

, and American Express

® transactions in the following 22 currencies: Australian Dollar, Austrian Schilling,

Belgian Franc, British Pound Sterling, Canadian Dollar, Danish Krone, Dutch

Guilder, Euro, Finnish Markka, French Franc, German Mark, Hong Kong Dollar, Irish

Punt, Italian Lira, Japanese Yen, New Zealand Dollar, Norwegian Krone, Portuguese

Escudo, Spanish Peseta, Swedish Krone, Swiss Franc, and U.S. Dollar.

1.4 Processors supported

PaymentTrust supports payment transactions from Merchants possessing a Merchant

Identification Number issued from a range of international Acquiring Banks.

1.5 Use our easy-to-use search tools

Our search tools offer easy-to-use utilities for conducting real-time online transaction searches. The Merchant can retrieve detailed information on specific transactions by selecting from a series of search criteria.

1-1

1.6 PaymentTrust, a simple solution

How simple is the process? It’s as simple as

1-2-3

.

1.

The client clicks the buy button.

2.

The Merchant's storefront establishes a connection to the PaymentTrust system.

3.

The PaymentTrust system then establishes a connection with the credit card processor and a credit card authorisation is completed in real-time.



Transactions are always logged in the database for easy retrieval.



The entire process takes only a few seconds.

1-2

2. O

VERVIEW OF THE PAYMENT PROCESS

2.1 Flow of an Internet transaction

1 It starts with an online purchase.

The client submits his purchase information to the Merchant’s web site.

2 The credit card is submitted for authorisation to the client’s credit card bank.

Prior to approving a purchase, a credit card authorisation number must be obtained from the bank that issued the client his credit card (issuing bank). A request for authorisation is sent securely to the Payment Processor via the

PaymentTrust gateway system. The Payment Processor then routes the request to the correct issuing bank.

An authorisation confirms the validity of the client’s card and places holds on the funds for the amount of the purchase.

2-1

3 The authorisation results are returned to the Merchant.

The client’s issuing bank either declines or authorises the purchase according to pre-established credit card regulations. If authorised, the bank will transmit an authorisation code to the Merchant via the PaymentTrust gateway.

4 The authorisation is completed and the order is fulfilled.

After having received the authorisation via the PaymentTrust gateway, the

Merchant can then proceed to fulfil the client’s order.

5 The settlement process begins.

A settlement is a process that converts data related to a purchase (purchase amounts and authorisations) into funds for the Merchant. The Merchant must consolidate transactions for a specified period of time, i.e. daily, and transmit them to his bank via the PaymentTrust gateway.

6 The Payment Processor settles with the Issuing Bank.

The Payment Processor transmits the transaction information to the corresponding

Issuing Bank. The Issuing Bank levies a fee against the transaction and transmits funds back to the Payment Processor.

7 The funds are transmitted to the Merchant’s bank.

The Merchant receives the funds owed to him for the transactions that were sent for settlement.

2.2 Transaction Types with the PaymentTrust System

PaymentTrust supports various transaction types that are fundamental to the payment process. These transactions can be executed either directly through the Merchant’s storefront application or manually using the PaymentTrust e-Transaction Terminal.

Merchants can perform the following types of transaction requests:

2.2.1 Authorise (A)

Reduces the cardholder’s open to buy (credit limit), but does not actually capture the funds. A deposit (Settlement)(D) transaction must be issued in order for the transaction to be settled and for the funds to be transferred.

2.2.2 Settlement (Deposit) (D)

It marks a previously authorised transaction for funds captured during the next settlement period. Merchants who do not ship goods immediately should use this transaction type after fulfilling their sales obligation.

2.2.3 Simultaneous Authorisation & Settlement (Deposit) (S)

Charges the specified amount against the cardholder’s account, and marks the transaction for immediate funds transfer during the next settlement period.

2-2

2.2.4 Cancel (C)

Reversal of a partial or an entire authorisation charge prior to the settlement process. It prevents a transaction from being settled. A cancel does not remove any hold on the cardholder’s open to buy.

2.2.5 Refund (R)

A transaction that returns a specified amount to the cardholder’s account.

2.2.6 Payback (P)

A transaction that returns any amount to the cardholder’s account. This can be processed by Cheque (CQ), Credit Card (CC) or Electronic Credit (EC)

2.2.7 Bank Transfer Service - BTS (B)

A transaction that transfers any amount to the cardholder’s bank account.

2.2.8 Foreign Exchange Service - FX (X)

A transaction that gives an exhange rate between two currencies.

2.2.9 3DSecure Service – 3D (V)

This enable to enrolled 3DSecure with CardIssuer.

2-3

3. H

OW TO USE PAYMENTTRUST

Glossary



Please note



Warning

3.1 Introduction

We welcome you to this tour of the PaymentTrust system, a world-class, online realtime payment processing solution.

In this section, we will provide you with a step-by-step tour of how to use

PaymentTrust for the first time.

We will be reviewing the following sections: Login, Merchant information, Search, e-

Transaction Terminal, Reports, and Help. Should you need information on a specific topic, we have included for your convenience thick horizontal bars with the name of the section at the right side of each page for quick access.

We now begin our tour of the PaymentTrust system. We hope you enjoy it and we would appreciate any feedback at the following email address: [email protected]

. Your feedback will help us to improve our future editions of the PaymentTrust user manual.

3.2 PaymentTrust Setup

Before using the PaymentTrust processing system, you must have the following:

You will need the following: an ecommerce web site, an

HTML Editor, a web browser and an

Internet Merchant

Identification Number.

An e-commerce web site, used to link directly to the

PaymentTrust system.

An HTML editor, used for inserting HTML code (that we will provide) into your web site. This code provides the link necessary from your web site to the PaymentTrust system.

A web browser to navigate into the PaymentTrust web site, either Internet Explorer 4 and higher or Netscape 4.75.

An Internet Merchant Identification Number provided by your financial institution, that will allow you to accept credit cards.

Logging into the PaymentTrust web site

Before you can enter the PaymentTrust web site, you must be registered with

PaymentTrust Limited. Please refer to our web site for the nearest location at www.PaymentTrust.com

. Upon registration you will receive a

To register with PaymentTrust assigned Merchant ID, user name and temporary

PaymentTrust, contact us at www.paymenttrust.com

. password.



Y ou can change your password at any time via the Admin Login button.

To enter the PaymentTrust web site, enter the URL specified by your PaymentTrust

Limited representative and follow the instructions as shown below in Figure 1.0.

3-4

3.2.1 The Merchant Login Screen

This is the first screen you will encounter before entering the PaymentTrust site. Enter your PaymentTrust Limited assigned Merchant ID, User Name and Password in the appropriate boxes. Follow the arrows in Figure 3.0 below to the box you require more information about.

 Should your workstation remain idle beyond 15 minutes or should

you enter the incorrect information, the following message will appear:

You have been idle for more than 15 min or you have entered incorrect login information.

Please try again

Merchant ID

Your ID cannot exceed

Merchant ID

representative and cannot be modified.

Password

Your password can include a combination of both digits and letters, and must not exceed 50

User Name

The user name can include a combination of both digits and letters, and must not exceed 50 characters.

3.3 Navigating through PaymentTrust

After logging on to the site, you will automatically be directed to the Home Page screen as shown below

3-5

Menu Bar

Reports:

To access our userfriendly reports. You can generate the following reports: Summary, Full-

Detail, Authorisations &

Deposits (Settlements),

Refunds, and Voids &

Cancellations.

Figure 3.1: Home Page Screen

e-Transaction Terminal:

To perform manual transactions through our electronic transaction terminal.

Search Tools:

To utilise our easy-to-use tools for conducting realtime online transaction searches.

4. U

SING THE SEARCH TOOLS

In this section you will learn the basics of using our search tools. Due to the ease with which our tools allow you to conduct real-time online transaction searches, we will only illustrate two examples of frequently used searches.

You can retrieve detailed information on specific transactions by selecting from a series of search criteria (see Figure 4.0).

4-6

The

Selection

box displays all criteria available to generate a customised search.

Figure 4.0: Search Tools Screen

4.1 Search Criteria Definitions

Choosing from the following search criteria, you can customise your search according to your specific needs. To select a criterion, click on the arrow to the right of the

Selection box and scroll down the list, highlighting the criterion by which you want to search.

The search criteria definitions are as follows:

4.1.1 Search by Order Number

Searches a specific order number that is associated with a series of transaction types, all of them related to one original authorisation code. This number is unique and assigned by the Merchant.

Data entry format: Merchant assigned order number

Example: 00800120

4.1.2 Search by Transaction Date

Searches a transaction date in which specific transactions occurred.

Data entry format: MM/DD/YY

Example: 08/25/00

4-7

4.1.3 Search by Credit Card Number

A credit card number search will return all transactions on a specific credit card number.

Data entry format: Client's credit card number; no spaces

Example: 4000000000000002

4.1.4 Search by Request Type

Searches for a specific type of transaction.

Data entry format: Choose from the following transaction types: A(Authorisation),

S(Simultaneous Authorisation and

Settlement (Deposit)), (Cancellation),

D (Settlement(Deposit)), R(Refund)

Example: A

4.1.5 Search by Credit Card Type

Searches for a specific credit card type.

Data entry format: VI for Visa, MC for Master Card,

AX for American Express, DI for

Discover, JC for JCB, SW for

Switch, CB for Carte Blanche, BE for Beneficial.

Example: VI

4-8

4.1.6 Search by First Name

Searches by the cardholder’s first name.

Data entry format: First Name

Example: John

4.1.7 Search by Last Name

Searches by the cardholder’s last name.

Data entry format: Last Name

Example: Smith

4.1.8 Search by MOP Type

Searches by the method of payment.

Data entry format:

CC-Visa & Mastercard debit & credit cards, DS-UK Maestro debit cards,

CQ-Cheques, EC-Electronic cheques or credit, DC-Debit Card PIN enabled cards, PC-Purchacing cards,

NT-Net Teller, P2-Pay 2

Example: CC

4.1.9 Search by Store Id

Searches by the Store ID.

Data entry format: Merchant assigned Store Id

Example: 34417876

4.1.10 Search by Response Code

Searches by the response code assigned by PaymentTrust.

Data entry format:

Four digit numeric is provided for each transaction by TM. See

Appendix i Response Codes for complete list

Example: 2100

4.1.11 Search by PTID

Searches by the reference number PTID.

Data entry format:

Reference Number from

PaymenTrust system generated for

4-9

each transaction.

Example: 10003606

4.1.12 Search by Currency ID

Searches by the currency ID.

Data entry format:

ISO standard numeric ids. See

Appendix ii Currency Codes for complete list.

Example: 840 (For US Dollars)

4.1.13 Search by Currency ISO Code

Searches by the currency ISO code.

Data entry format:

ISO standard aplha ids. See

Appendix ii Currency Codes for complete list.

Example: USD (For US Dollars)

4.1.14 Search by Batch ID

Searches by the unique number BatchID.

Data entry format:

Batchid is a unique number that is generated for each batch that is sent to financial institutions (any bank either natwest barclays, bacs pacnet etc etc)

Example: 100009186

4.1.15 Search by Batch Time

Searches by the batch date.

Data entry format: MM/DD/YY

Example: 07/27/04

4.1.16 Search by BTID

Searches by the BTID, which is generated by PaymentTrust.

Data entry format:

BTID is a unique number generated by

PT. It's stored by the merchant and given to the client together with bank account details to pay into. When the funds have cleared the account and reported in PT the BTID is matched in the system to proved the transaction is authentic.

4-10

Example: 12345678

4.1.17 Search by Year

Searches by the year.

Data entry format:

YYYY

Example: 2004

4.1.18 Search by Month

Searches by the month.

Data entry format:

MM

Example: 07

4.1.19 Search by Day

Searches by the date.

Data entry format:

DD

Example: 24

4-11

4.2 Illustrative Search Examples

The following examples illustrate three commonly used transaction searches:

1. Search by Request Type, using the condition “is equal to

1

”

2. Search for all transactions by First Name occurring on a specific date, using the condition “is similar to

2

”.

4.2.1 Search by Request Type

In this example, you will perform a search for all Settlement(Deposit) (D) transactions.

Click on Search Tools in the menu bar (see Figure 4.1). The following screen will be displayed.

For a definition of

Conditions

available in

Search Tools

, please refer to

Table 4.0

.

Figure 4.1: Search Tools Screen

Selection: Click on the arrow to the right of the Selection box and scroll down the list to select Request Type.

Condition: In the Condition box, select is equal to from the drop down list. This permits you to search for a specific request type (See Table 4.0).

Value: Enter the abbreviated form of the transaction you are searching for. Please

refer to the Section 4.1: Search Criteria Definitions. In this example, you are searching for all Settlement (Deposit) (D) transactions; therefore enter (D) in the Value box.



The abbreviated form of the transaction you are searching for must be entered correctly otherwise, an error message will appear on your screen or your search will not produce favourable results.

Your screen should now resemble Figure 4.2 below.

1

Please refer to Table 4.0 at the end of Chapter 4.

2

See footnote above.

4-12

Figure 4.2: Search by Request Type Screen

Please ensure that the information you entered is correct before clicking on the submit button. Once the information is submitted, the search will yield the following results

(see Figure 4.3).

Figure 4.3: Search List Screen

4-13

The details button to the left of each row permits you to view additional information about a specific transaction. For example, if you want more information on Order

Number

070107235857,

double click on the Details button to the right of Order

Number

070107235857

, and the following details will appear on your screen.

Figure 4.4: Search Details Screen

4-14

4.2.2 Search for all transactions by First Name occurring on a specific date

In this example, you will learn how to search for all transactions by First Name occurring on a specific date. For example, if you want to search for all first names that contain the letters BO whose purchase amount was authorised on July 20, 2004, you would follow the steps below:

Figure 4.5: Search by First Name Screen

Selection: Click on the arrow to the right of the Selection box and scroll down the list to select First Name.

Condition: In the Condition box, select is similar to from the drop down list. This permits you to search for all first names containing the letters BO.

Value: Enter the letters BO in the Value box.



The condition must be set to “is similar to”, otherwise if set to

“is equal to”, the search will produce all “BO” first names.

Your screen should now resemble Figure 4.5 above.

4-15

To narrow the search to all transactions that occurred on , January 11 2007 click on the

Refine button and follow the steps below:

Figure 4.6: Search by First Name concurrently with Transaction Date Screen

Selection: Click on the arrow to the right of the Selection box and scroll down the list to select Transaction Date.

Condition: In the Condition box, select is equal to from the drop down list. This permits you to search for only those transactions that occurred on a specific date concurrently with all first names containing the letters BO.

Value: Enter the date for which you want transaction information. In this example, we will use a hypothetical date – January 11, 2007. In the Value box, enter 01/11/07.



The date must be entered in the following format: MM/DD/YY.

If the date is entered incorrectly, an error message will appear on your screen or your search will not produce favourable results.

Your screen should now resemble Figure 4.6 above.

Please ensure that the information you entered is correct before clicking on the submit button. Once the information is submitted, the search will yield the following results

(see Figure 4.7).

4-16

Figure 4.7: Search List Screen

The details button to the left of each row permits you to view additional information about a specific transaction (see Figure 4.4).

4-17

4.2.3 Description of Search Conditions

Condition

Is equal to = an exact search

Is not equal to = an exact search

Is less than = an exact search

Is less than or equal to = an exact search

Is greater than = an exact search

Is greater than or equal to = an exact search

Is similar to = a partial search

Results

Produces an exact match to what you entered in the Value box.

For a date search, entering 07/24/04 in the

Value box, with the Condition set to “is equal to” will produce all transactions that

occurred on July 24, 2004.

Produces a match to what you not entered in the Value box.

For a date search, entering 07/24/04 in the

Value box, with the Condition set to “is not equal to” will produce all transactions that

occurred not on July 24, 2004.

Produces an exact match to what you entered in the Value box.

For a date search, entering 07/24/04 in the

Value box, with the Condition set to “is less than” will produce all transactions that

occurred before the July 24, 2004.

Produces an exact match to what you entered in the Value box.

For a date search, entering 07/24/04 in the

Value box, with the Condition set to “is less than or equal to” will produce all transactions that occurred before and on the

July 24, 2004.

Produces an exact match to what you entered in the Value box.

For a date search, entering 07/24/04 in the

Value box, with the Condition set to “is greater than” will produce all transactions

that occurred after the July 24, 2004.

Produces an exact match to what you entered in the Value box.

For a date search, entering 07/24/04 in the

Value box, with the Condition set to “is greater than” will produce all transactions

that occurred after and on the July 24, 2004.

Produces a similar match to what you entered

4-18

Table 4.0: Search Conditions Table

in the Value box.

For a first name search, entering J in the

Value box, with the Condition set to “is similar to” will produce all first names

containing the letter J.

4-19

5. U

SING THE E

-

TRANSACTION TERMINAL

In this section you will learn the basics of performing manual transaction requests using the

e-Transaction Terminal. The e-Transaction Terminal allows you to perform Authorisations,

Settlements(Deposit), Simultaneous Authorisations & Settlements(Deposits), Cancellations,

Refund, Forced Refund, PayBack - Credit Card, PayBack – Cheque, PayBack – Electronic

Credit, BTS Transaction, and BTS Confirmation. You can also perform online transaction searches and retrieve detailed information on specific transactions by selecting from a series of search criteria (see Section 4.1: Search Criteria Definitions).

5.1 Authorisations

The authorise transaction (see Section 2.2 for definition) is the first transaction executed as part of the online sales cycle. Using the e-Transaction Terminal, you can perform a manual authorisation by filling in appropriate transaction information in the fields provided (see Figure 5.0). Descriptions of the fields in the Authorise screen are listed below Figure 5.0.

5-20

Figure 5.0: Authorise Screen (Information Input Screen)

Order Number (Optional Field): Enter an order number. The order number can include both digits and letters, and must not exceed 16 characters.

First Name (Optional Field): Enter your client’s first name.

Middle Name (Optional): Enter your client’s middle name, if applicable.

Last Name (Optional Field): Enter your client’s last name.

Address 1 (Optional Field): Enter the street number and name where your client resides.

Address 2 (Optional): This field is provided for additional information such as apartment number.

City (Optional Field): Enter the name of the city where your client resides.

State/Region (Optional Field): Enter the two characters for the State/Region where your client resides. Should this field not apply to you, enter N/A.

Country (Optional Field): Select from the drop down list the country where your client resides. Should your country not appear in the list, select *Other.

Zip/Postal Code (Optional Field): Enter the client’s Zip/Postal Code. No spaces are required.

Phone Number (Optional Field): Enter the client’s Phone Number. No spaces are required.

E-Mail (Optional Field): Enter the client’s E-mail address.

StoreID (Required Field): Select from the drop down list. Each StoreID belongs to one or more currency.

Currency (Required Field): Select from the drop down list, the currency your client will pay with. (Note that not all the currency will be available to select from the drop down list as this is depends on the StoreID field)

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

The drop down list will only display those currencies as configured specifically for

your payment processing needs by your PaymentTrust representative (see Figure

5.1).

Currency drop down list

Please refer to

Appendix II

for the currencies presently available.

Figure 5.1: Authorise Screen (Currency Drop Down List)

Once you select a currency from the drop down list, additional fields will appear on your screen. These are required fields. Please refer to Figure 5.2.

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Additional

required fields

will appear when you

select

a

currency type

from the drop down list.

Figure 5.2: Authorise Screen (Additional Fields)

Credit Card Type (Required Field): Select from the drop down list the credit card type your client will be paying with.



The drop down list will only display those credit card types as configured

specifically for your payment processing needs by your PaymentTrust representative

(see Figure 5.3).

5-23

Credit card type drop down list.

Please refer to

Chapter

1, Section 1.2 All major

credit cards supported.

Figure 5.3: Authorise Screen (Additional fields)

Expiration Date (Required Field): Enter the expiration date shown on your client’s credit card. For your convenience, drop down lists are provided for both the month and year of the expiration date.

Amount (Required Field): Enter the amount of your client’s purchase.



Do not include a currency symbol to the front or at the end of the amount entered.

If the information is entered incorrectly, an error message will be displayed on your screen.

Your completed screen should resemble Figure 5.4 below.

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Submit button

Figure 5.4: Authorise Screen (Completed fields).

Please ensure that the fields are completed correctly before clicking on the submit button on the bottom of the screen.

5.1.1 Authorised Transaction

If an authorisation request is successful, the system will display a transaction

approved message. A numeric response code assigned by PaymentTrust (see

Appendix I) and an authorisation code assigned by the issuing bank will be indicated on the response screen (see Figure 5.5).

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Authorisation

code

assigned by

Card Issuer.

Message code

assigned by

PaymentTrust.

Figure 5.5: Authorise Screen (Transaction Approved)

5.1.2 Refused Transaction

In the event of a refused transaction, the system will display a transaction refused response screen. The reason for the refusal will be noted on the response screen (see

Figure 5.6).

In the event of a

refused transaction

, the reason will be displayed on your screen along with a

response code

(see Appendix I)

.

Figure 5.6: Authorise Screen (Transaction Refused)

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5.2 Forced Authorise

The Forced Authorise (authcode) is where you can submit an Authorise transaction with an ‘authcode’. This authcode will have been previously obtained from your authorisation call centre of your bank. In the event of a refused transaction with

Message Code 2958 – Call Bank (Issuer wants voice contact with cardholder), you can still process the transaction by obtaining the authcode. Note that the figure 5.7 will not appear when you click on

Forced - Authorise

. By selecting Card Type, Currency followed by Store Id will show as in figure 5.7.

Authorisation

Code

, which is provided by the Acquiring

Bank. All other fields on this screen is same as

Authorisation

Figure 5.7: Forced Authorise Screen.

This is service can be used directly without going through the Authorise procedure as mentioned in section 5.1. Make sure that you have the AuthCode is ready to input

.

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5.3 Settlements (Deposits)

To collect your clients’ payments following a successful authorisation request, you must perform a settlement (deposit) request for all authorised transactions.

You may either search for a specific transaction eligible for deposit via the Settlement

Search tools or view a list of authorised transactions entitled for deposit by clicking on

[here]

in the Settlement (Deposit) List section (see Figure 5.8).

Settlement (Deposit)

Search

allows you to search for a specific transaction eligible for deposit.

Settlement (Deposit)

List

displays all authorised transactions eligible for deposit.

Figure 5.8: Settlement (Deposit) Screen

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5.3.1 Settlement Search

To search for a specific transaction, you must use the Settlement (Deposit) Search tool

(see Figure 5.9). Using the drop down list in the Selection box, select from the following search criteria to identify your transaction: Order Number, First Name,

Last Name, Transaction Date, Currency ID, Currency ISO Code, Card Name, Card

Type, Card Number, MOP Type, Store ID, Request Type, Response Code, BatchID,

Batch Time, PTID, BTID, Year, Month, and Day. These terms are defined in the Help section.



Click the

button for more details

In the Value box, specify a value in relation to the search criteria you select. To perform a multiple criteria search, click on the Refine button and choose amongst And and Or. For additional information about the Refine option, please see Chapter 6,

Section 6.6 Generating a report using the Refine Option.

Figure 5.9: Settlement (Deposit) Search Screen (Selection Drop Down List)

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5.3.2 Settlement (Deposit) List

To view a list of authorised transactions eligible for settlement (Deposit), click on the

Settlement (Deposit) List. The deposit list allows you to view all transactions eligible for settlement (Deposit) (see Figure 5.10).

For more

detailed information

on a transaction, click the

Details

button.

To deposit a transaction or multiple transactions,

click

on the

Settle

button.

To select transactions for

Settlement (deposit),

click

on the corresponding

check box

.

You can select more than one transaction.

Figure 5.10: Settlement (Deposit) List Screen (Results)

For more details on a specific transaction, click on the Details button. For example, if you want more information on Order Number

136F6D5D

, click on the Details button to generate the following detail description on your screen (see Figure 5.11).

Figure 5.11: Settlement Details Screen (Amount to be deposited)

To settle

(deposit) directly from the

Settlement

Details screen,

select

the desired

settlement

(deposit) amount

and then

click

on the

Submit

button.

5-30

You can settle (deposit) one or multiple transactions directly from the Settlement List screen (see Figure 5.8) by clicking on the Settle button or deposit (settle) a single transaction directly from the Settlement Details screen (see Figure 5.9) by clicking on the Submit button. The following message will appear on your screen for all valid entries (see Figure 5.12).

Submitted

settlement

(deposit) requests

will remain

pending

until the request is processed and approved by the bank processor.

Figure 5.12: Settlement Status Screen

Settlement (deposit) requests are submitted to the bank processor once daily. The status will remain pending until the bank processes and approves the settlement

(deposit) request. To view the settlement (deposit) still pending, click on the

and enter the criteria to locate the transaction. Then to access full details of the transaction click on the

Figure 5.11).

button. See the Settlement Details screen (see

You can

view

all

pending transactions

in the

Settlement

Details

screen.

Request Pending

appears under the

Response column

.

Figure 5.11: Search Details Screen (Request Pending)

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Once a settlement (deposit) request has been approved, the pending status will automatically change to approved in the Search Details section under the Response column (see Figure 5.12).



Merchants must submit their settlement requests by 8:00 P.M. in order for transactions to be deposited on the same day. Any requests pending after 8:00 P.M. will be sent to the banking processor on the following day.

The

status

of a

pending transaction

will change to

approved

once the request is processed and approved by the bank processor.

Figure 5.12: Search Details Screen



: The system will not perform a settlement (deposit) transaction for an amount greater than the authorised amount.



An authorised amount that has been partially cancelled will reduce the maximum amount eligible for settlement (deposit). A refund request cannot be performed unless preceded by a deposit request that has been processed and approved by the bank processor.

5-32

5.4 Sale

You may choose to perform a single transaction request that combines both an authorisation and a settlement (deposit) request. Simply fill out the following transaction screen (see Figure 5.13).



Once the transaction is submitted for authorisation and approved, the system will flag that transaction for settlement (deposit) during the next settlement (deposit) cycle.

5.13: Sale Screen

5.14: Sale Status Screen

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5.5 Forced Sale

You may choose to perform a single forced transaction request that combines both an authorisation and a settlement (deposit) request. Simply fill out the transaction screen

(see Figure 5.15) with authcode. The Forced Sale (authcode) is where you can submit a Sale transaction with an ‘authcode’. This authcode will have been previously obtained from your authorisation call centre of your bank.

5.15: Forced Sale Screen

5-34

5.6 Cancel

To cancel an authorisation, you must use the Cancel Search tool (see Figure 5.16).

Using the drop down list in the Selection box, select from the following search criteria to identify your transaction: Order Number, First Name, Last Name, Transaction

Date, Currency ID, Currency ISO Code, Card Name, Card Type, Card Number, MOP

Type, Store ID, Request Type, Response Code, BatchID, Batch Time, PTID, BTID,

Year, Month, and Day. These terms are defined in the Help section.



Click the

button for more details

In the Value box, specify a value in relation to the search criteria you select. To perform a multiple criteria search, click on the Refine button and choose amongst And and Or. For additional information about the Refine option, please see Chapter 6,

Section 6.6 Generating a report using the Refine Option.

The Cancel Search works the same way as the regular Search Tools (see Section 4-

Using Search Tools).

5.16: Cancel Search Screen



A transaction eligible for cancel will include only those transactions that have been authorised without any subsequent transaction activity.

5-35

5.6.1 Illustrative Example – Cancel (Search By Client’s Last

Name)

The following example illustrates a Cancel search for all transactions corresponding to a client’s last name.



To learn more about the Conditions available in the Cancel search, please refer to

Chapter 4, Section 4.2.3 Description of Search Conditions.



For an illustrative example on generating a Refine search, please refer to Chapter

6, Section 6.6.1 Using Multiple Search Criteria with Or.

5.17: Cancellation Search Screen

Selection: Click on the arrow to the right of the Selection box and scroll down the list to select Last Name.

Condition: In the Condition box, select is equal to from the drop down list. This permits you to narrow your search to match the information entered in the Value box.

Value: Enter the month for which you want all transactions displayed. In this example, we will use a hypothetical month – July. In the Value box, type 07.



The last name must be spelled correctly; otherwise your search will not produce favourable results.

Your screen should now resemble Figure 5.17 above.

Please ensure that the information you entered is correct before clicking on the submit button. Once the information is submitted, the search will yield the following results

(see Figure 5.18).

5-36

5.18: Cancel List Screen

To view additional information specific to the search results, click on the Details button. Transactions may be voided on an individual basis only.

Amount to be cancelled is displayed on the

Cancellation Details

screen.

Transactions

can

only

be

cancelled

on an

individual

basis. To cancel an amount,

click

on the

submit button

.

5.19 Cancellation Details Screen (Amount to be cancelled)

5-37

If the transaction information matches your Cancel requirements, click on the Submit button to execute the cancellation request. If the Cancellation request is approved, the following screen will be displayed:

Subsequent to the

Cancel

request, a

Cancellation Status

will appear on your screen.

5.20: Cancellation Status Screen (Transaction Approved)

To ensure the cancellation process was performed correctly, return to Search Tools via the Menu Bar (see Section 3.4). Re-create the steps in Section 5.4.1. Your search will produce the following screen:

To certify the success of the cancel request, return to

Search

Tools

and perform a basic search.

The cancel request will be displayed as shown in

figure

5.21

.

5.21: Search Details Screen

5-38

The following transactions can be cancelled;

•

Unsettled Authorisations

•

Pending Sales

•

Pending Forced Sales

•

Pending Deposits

•

Pending Refunds

•

Pending Paybacks

Please note that you can only cancel a transaction, which has a status 2050 –

Request Pending, you cannot cancel a transaction once it has been settled with

the financial institution i.e. 2100 – Transaction Approved.

5-39

5.7 Refunds

If you want to refund (see Section 2.2 for definition) a specific amount to a client that was previously deposited, you must perform a refund search (see Figure 5.22). Using the drop down list in the Selection box, select from the following search criteria to identify your transaction: Order Number, First Name, Last Name, Transaction Date,

Currency ID, Currency ISO Code, Card Name, Card Type, Card Number, MOP Type,

Store ID, Request Type, Response Code, BatchID, Batch Time, PTID, BTID, Year,

Month, and Day. These terms are defined in the Help section.



Click the

button for more details

In the Value box, specify a value in relation to the search criteria you select. To perform a multiple criteria search, click on the Refine button and choose amongst And and Or. For additional information about the Refine option, please see Chapter 6,

Section 6.6 Generating a report using the Refine Option.

The Refund Search works the same way as the regular Search Tools (see Section 4-

Using Search Tools).

Figure 5.22: Refund Screen

5.7.1 Illustrative Example – Refunds (Search by Order Number)

The following example illustrates a Refund search for a specific order number.



To learn more about the Conditions available in the Refund search, please refer to

Chapter 4, Section 4.2.3 Description of Search Conditions.



For an illustrative example on generating a Refine search, please refer to Chapter

6, Section 6.6.1 Using Multiple Search Criteria with Or.

5-40

Figure 5.23: Refund Search Screen

Selection: Click on the arrow to the right of the Selection box and scroll down the list to select Order Number.

Condition: In the Condition box, select is equal to from the drop down list. This permits you to narrow your search to match the information entered in the Value box.

Value: Enter the order number for which you want all transactions displayed. In this example, we will use a hypothetical order number – 9189A93F. In the Value box, type

9189A93F.



The order number must be entered correctly otherwise your search will not produce favourable results.

Your screen should now resemble Figure 5.23 above.

Please ensure that the information you entered is correct before clicking on the submit button. The Refund Search returns transactions previously deposited and therefore eligible for refund as shown below in Figure 5.24.

5-41

For additional information,

click

on the

Details button

.

5.24: Refund List Screen

Click on Details to view additional information on a specific transaction targeted for refund (see Figure 5. 25).

Amounts to be refunded are displayed on the

Refunds Details

screen.

To submit an amount for refund,

click

on the

submit button

.

5.25: Refund Details Screen

The Refund Details screen displays the amounts available to be refunded. Select the amount you want to refund and click on the submit button.



The maximum refundable amount is limited to the total deposited amount. Refunds are not permitted for deposit amounts still pending

5-42



Please ensure that the amount you want to refund matches the amount displayed in the Amount to be refunded box.

Submitted

refund requests

will remain

pending

until the request is processed and approved by the bank processor.

5.26: Refund Status Screen (Request Pending)

Refund requests are submitted to the bank processor once daily. The status will remain pending until the bank processes and approves the refund request. To view the refund still pending, return to the Search Details screen (see Figure 4.2) and re-create steps in Section 4.2.1. The results should yield the following screen (Figure 5.27).

You can

view

all

pending refund transactions

in the

Search Details

screen.

Request Pending

appears under the

Response column

.

5.27: Search Details Screen

5-43

Once a refund request has been approved, the pending status will automatically change to approved in the Search Details section under the Response column (see

Figure 5.28).

5-44



Merchants must submit their refund requests by 8:00 P.M. in order for transactions to be refunded on the same day. Any requests pending after 8:00 P.M. will be sent to the banking processor on the following day.

The

status

of a

pending transaction

will change to

approved

once the request is processed and approved by the bank processor.

5.28: Search Details Screen

5-45

5.8 Forced Refunds

The Forced Refund is where you can submit a Refund transaction for same as deposit or less than deposit amount with an ‘authcode’. This authcode would have been previously obtained from your authorisation call centre of your bank. Simply fill out the transaction screen (see Figure 5.29) with authcode (For Internet transactions this doesn’t apply).

For Internet refund transactions, which are above the original deposit amount, you use

Forced Refunds. Please note you don’t need an auth code for this type of transaction, as it doesn’t go for “online authorisation”. However you need to use the correct

Bank MerchantID (this is called StoreID in PaymentTrust), as this StoreID will be different from the deposit transaction StoreID.

You can only process refunds back to Visa Credit, Visa Electron and Visa Debit cards.

Authorisation

Code

(authcode)

must be obtained from the bank and fill in with all other required fields.

5.29: Forced Refund Screen

Refund requests are submitted to the bank processor once daily. The status will remain pending until the bank processes and approves the refund request. To view the refund still pending, return to the Search Details screen (see Figure 4.2) and re-create steps in Section 4.2.1. The results should yield the following screen (Figure 5.30).

5-46

5.30: Forced Refund Screen

The

status

of a

pending transaction

will change to

approved

once the request is processed and approved by the bank processor.

5-47

5.9 Payback - Credit Card

Payback request sent to Payment Trust system from merchant servers via STLink

(using PaymentTrust API). Transaction requests can be sent individually or in a batch.

The Card Number is used to identify the UK Credit Card Issuers bank collection account and sort code details from the “PaymentTrust Proprietary Database”.

PaymentTrust sends the transaction onto the BACS network each day, where this is processed by BACS within the normal clearing cycle (3 business days). Simply fill in the required fields as shown below (see Figure 5.31).

5.31: PayBack – Credit Card Screen

Fill in all the requested fields and click on the submit button. The payback request has been accepted and the Merchant has received a 2050 - request pending response (see

Figure 5.32). The transactions has gone off in the file to BACS and processed without any problem

5-48

5.32: PayBack – Credit Card Screen

The

status

of a

pending transaction

will change to

approved

once the request is processed and approved by the

BACS.

5-49

5.10 Payback - Cheque

PaymentTrust in conjunction with its banking partner will process these payback requests promptly, issuing cheques in the appropriate currency with customer names and reference numbers that you provide. PaymentTrust can return the completed cheques to you by courier for the fastest possible disbursement to the individual beneficiaries.

5.33: PayBack –Cheque Screen

5-50

5.34: PayBack With Cheque Screen

The

status

of a

pending transaction

will change to

approved

once the request is processed and approved by the

Pacnet.

5-51

5.11 Payback - Electronic Credit

PaymentTrust in conjunction with its banking partner will process these payback requests promptly, transferring electronically to the bank, appropriate currency with customer names and reference numbers that you provide.

As shown in figure 5.34 fill in all the fields and click on the submit button.

5.34: PayBack – Electronic Credit Screen

5.35: PayBack – Electronic Credit Screen

The

status

of a

pending transaction

will change to

approved

once the request is processed and approved by the

PacNet.

5-52

5.12 BTS Transaction

The BTS enables PaymentTrust merchant clients to offer their customers an alternative method of funding their accounts through the use of a domestic funds transfer from their local checking or savings bank accounts to a local bank account operated on behalf of the merchant client.

5.36: BTS Transaction Screen

As shown in the figure 5.36 input the order number and select the currency and click on the submit button.

The

status

of this transaction will be

request pending

.

5.37: BTS Transaction Screen

In order to process this transaction use the BTS Confirmation, which is explained in section 5.13.

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5.13 BTS Confirmation

To confirm BTS Confirmation you must perform a BTS Transaction as mentioned in section 5.12. This allows you to view all BTS transactions that are eligible for confirmation. You may then select the ones you wish to confirm (see Figure 5.38).

Figure 5.38: BTS Confirmation Screen

To view a list of BTS Confirmation, click on the

[here]

as shown in the fig 5.39.

5.39: BTS Confirmation List Screen

Tick each of the transaction that needs to be processed and click on Confirm button.

5-54

6. U

SING THE REPORTS

PaymentTrust

TM

provides you with the ability to produce user-friendly reports detailing each transaction that has passed through your account on a daily basis. You can retrieve detailed report information by selecting from a series of search criteria.

Click on Reports and following screen will popup.

Figure 6.0: Back Office Reporting Services

6-55

6.1 Custom Report Wizard

Custom reports are created through the custom report wizard. The wizard allows you to: set e-mail notification, choose an export format, set the report schedule, select fields from a predefined list, group your data and set the filter criteria order your data. Once you have created a scheduled report, the Back Office Reporting Services engine will generate your report based on your settings and inform you, by e-mail, when the report is ready.

6.1.1 Illustrative Example - Custom Report

The illustrative example below shows the required steps to building a summarised report based on an equal to transaction processed successfully with response code 2100. (Response

Code = 2100).

Click on the Custom Report Wizard and the following screen will appear.

Name: Name of the report, in this case Example.

Notification E-Mail: An e-mail address where you want to the report to be sent.

Notification Status: Click on the arrow to the right Notification Status box and scroll down the list to select Activated or Deactivated.

Export Format: You can select what format you want the report (see figure 6.1.1). For this example xml selected as shown in figure 6.1.2

6-56

Figure 6.1.1

Figure 6.1.2

After filling all the details as shown in the above figure 6.1.2, click on the Next button and the following screen will appear.

6-57

Figure 6.1.3

Start Date: Click on this button

which will pop-up the calendar. You can now select the start date (see figure 6.1.4)

End Date: Same as above

Start Time: Select the start time from drop down of Hrs and Mins.

Interval Type: How often you want to run this report (see figure 6.1.5)

Interval Length

:

Works in conjunctions with Interval Type. If the type is Month and the length is 2 then the report will execute every 2 months. If the Type is Hour and the length is 6 then the report will execute every 6 hours. This is true for all types except Once which will execute only Once.

6-58

Figure 6.1.4

Figure 6.1.5

6-59

Figure 6.1.6

After filling all the details as shown in the above figure 6.2.5 click on the button.

6-60

Figure: 6.1.6

Fields:

Fields or Parameters that will be included in the report file. Examples are: PTTID, Amount,

RequestType, etc

Filter: Set the criteria here. Filter may be applied to break down the data into

smaller more specific chunks of information.

Field: Data to be set for criteria

Expr: Click on the arrow to the right hand of the Expr box and select the

condition.

6-61

Value: Enter the value of the field for which you want information. For the example Response Code = 2100 is selected. In the Value box, enter

2100 (See table 1.1 for filter conditions).

Operator: The Operator option allows to perform an And or Or for each filter condition

Delete: Allows to delete any unwanted filter.

Add Row: Allows to add more than one filter for a report.

Period Covered: Time based filter, these are preset filters to return data from a

specific time Period. Example: Last Month will return data from the last month only, Month to Date will return data from the beginning of the month until now.

The period covered can be used with filter to return specific data for a period of time. Click on the drop down to select (see figure 6.1.7).

Group By [Get]|[Clear]: Allows to group the report with either all the fields or

some of the fields selected in the Fields. To get all the fields from the Fields click on the [Get] and to clear all the fields click on the [Clear].

Order By: Allows ordering the fields to be reported in that order. Also you can set

the report to be ordered in Ascending (ASC) or Descending (DESC) order by selecting from the drop down list. (See figure 6.1.7)

6-62

Figure: 6.1.7 – Custom Report Selection

For the above example the following information are selected as shown in the figure 6.2.8.

6-63

Figure 6.1.8 – Example of custom report

Click on the button and the following report will be displayed

6-64

Now you have three options, which are as follows;

: By clicking on this button you are confirming the report is correct

: Allows confirming the report and activating at the same time.

: Allows to modify the report.

: Allows to restart the report from the beginning.

For the example click on the button.

6-65

6.2 Report List

You will be moved into Report List automatically, where you can see the list all reports are created by different users. More importantly you can activate the report at any time by clicking the Activate button as shown in figure 6.2.1.

Figure 6.2.1 – Report List

Now click on the Activate button to activate the report and the following screen will appear.

6-66

Now click on the Execute Now button to run the report and the following screen will appear.

As shown on the screen you will receive a notification e-mail will be sent when report is available for download. Once you receive the email notification as shown below;

6-67

You can download the report (see figure 6.2.3) , by clicking on the Report List

(see figure 6.2.2)

Figure 6.2.2 – Report List

6-68

Figure 6.2.3 – Download List

6-69

6.2.1 Display Types

Display type options are available for the following reasons:

1. It permits you to view your data in a format suitable to your needs.

2. It permits you to choose a display type compatible to your browser (version and pre-set properties) for optimal viewing.



: Results are not affected by the display type you select; only the data is displayed in a different format.

Excel Compatible Formats

CSV Comma Delimited.

TAB Delimited.

Suitable for Reconciliation.

Internet Explorer Compatible Formats

XML.

Not suitable for Reconciliation.

Table 6.0: Display Types Table

6.2.2 Description of Search Conditions

Condition

Is equal to = an exact search

Is not equal to = a partial search

Is less than = a partial search

Results

Produces an exact match to what you entered in the Value box.

For a search by date, entering 10/12/00 in the Value box, with the condition set to” is equal to” will produce all transactions that

occurred on October 12, 2000.

Produces a not equal to match to what you entered in the Value box.

For a search by response code, entering

2100 in the Value box, with the condition set to” is not equal to” will produce all transactions whose response code is not equal to 2100.

Produces a less than match to what you entered in the Value box.

For a search by amount, entering 500 in the

Value box, with the condition set to” is less than” will produce all transaction amounts

6-70

Condition

Is less than or equal to = a partial search

Is greater than = a partial search

Is greater than or equal to = a partial search

Is similar to = a partial search

Results

less than 500.

Produces a less than or equal to match to what you entered in the Value box.

For a search by month, entering 12 in the

Value box, with the condition set to” is less than or equal to” will produce all transactions occurring before and in the month of December.

Produces a greater than match to what you entered in the Value box.

For a search by order number, entering

100200 in the Value box, with the condition set to “is greater than” will produce all order numbers whose sequence is greater than 100200.

Produces a greater than or equal to match to what you entered in the Value box.

For a search by month, entering 5 in the

Value box, with the condition set to” is greater than or equal to” will produce all transactions occurring in and subsequent to

the month of May.

Produces a similar match to what you entered in the Value box.

For search by first name, entering J in the

Value box, with the condition set to “is similar to” will produce all first names

containing the letter J.

Table 6.1: Search Conditions Table

6-71

7. T

HE HELP SECTION

The Help section of the PaymentTrust web site offers you a comprehensive, detailed explanation of the tools available to you to manage your daily transactions effectively. To use the Help section, either click on the

[here]

link in the section you need more help with, or click button in the title bar to access the Help Menu (see Figure 3.1).

The information below is also available for viewing on our PaymentTrust site.

7.1 Help-Search Tools

PaymentTrust

TM

offers you easy-to-use tools for conducting up-to-date online transaction searches. You can retrieve detailed information on specific transactions by selecting from a series of search criteria.

7.1.1 Transaction Date

Searches a date or range of dates in which specific transactions occurred. A date search may return multiple order results.

Data entry format: MM/DD/YY

Example: 08/25/00

For Custom Report the format is shown as below.

Data entry format: DD/MM/YYYY

Example: 13/12/2005

7.1.2 Order Number

Searches a specific order number that is associated with a series of transaction types, all of them related to one original authorisation code. This number is unique and assigned by the Merchant.

Data entry format: Merchant assigned order number

Example: 00800120

7.1.3 Credit Card Number

A credit card number search will return all transactions on a specific credit card number.

Data entry format: Client's credit card number; no spaces

Example: 4000000000000002

7-72

7.1.4 Card Name

Searches by the card issuer name.

Data entry format: Card Name

Visa

7.1.5 Request Type

Searches for a specific request type.

Data entry format: Choose from the following request types:

A(Authorisation), S(Sale), C(Cancellation),

D(Settlement), R(Refund), P(Payback)

A

7.1.6 Card Type

Searches for a specific Card Type.

Data entry format: VI for Visa, MC for Master Card, SW for Switch,

SO for Solo, NT for Neteller, VD for Visa Delta

VI

7.1.7 First Name

Searches by cardholder’s first name.

Data entry format: First Name

John

7.1.8 Last Name

Searches by cardholder’s last name.

Data entry format: Last Name

Smith

7.1.9 Store Id

Searches by the store ID.

Data entry format: Merchant assigned Store Id

34417876

7-73

7.1.10 Currency ID

Searches by the currency ID.

Data entry format:

ISO standard numeric Ids. See Appendix ii

Currency Codes for complete list.

Example: 840 (For US Dollars)

7.1.11 Currency ISO Code

Searches by the currency ISO code.

Data entry format:

ISO standard alpha Ids. See Appendix ii

Currency Codes for complete list.

Example: USD (For US Dollars)

7.1.12 MOP (Method of Payment) Type

Searches by the method of payment.

Data entry format:

CC-Visa, Mastercard, debit & credit cards/ DS-

UK Maestro debit cards/CQ-Cheques/EC-

Electronic cheques or credit/DC-Debit Card PIN enabled cards/PC-Purchasing cards/NT-

NetTeller/P2-Pay2

Example: CC

7.1.13 Transaction Type

Searches for a specific transaction type.

Data entry format: Choose from the following transaction types:

A(Authorisation), S(Simultaneous Authorisation and Deposit (Settlement)), V(Void),

C(Cancellation), D(Deposit (Settlement)),

R(Refund)

Example: A

7.1.14 BTID

Searches by the BTID, which is generated by PaymentTrust.

Data entry format: BTID is a unique number generated by PT. It’s stored by the merchant and given to the client together with bank account details to pay into.

When the funds have cleared the account and reported in PT and BTID is matched in the system to proved the transaction is authentic.

7-74

Example: 12345678

7.1.15 Batch ID

Searches by the unique number BatchID.

Data entry format:

Batchid is a unique number that is generated for each batch that is sent to financial institutions (any bank either natwest, Barclays, bacs, pacnet, etc)

Example: 08/01/04

7.1.16 Batch Time

Searches by the date.

Data entry format: MM/DD/YY

Example: 08/01/04

7.1.17 PTID

Searches by the reference number called PTID

Data entry format:

Reference Number from PaymentTrust system generated for each transaction

Example: 12345678

7.1.18 Response Code

Searches by a specific transaction result code.

Data entry format: 4-digits; (see Appendix I)

Example: 2100

7.1.19 Year

Searches by the year.

Data entry format: YYYY

Example: 2004

7.1.20 Month

Searches by a month.

Data entry format: MM

Example: 07

7-75

7.1.21 Day

Searches by the date.

Data entry format: DD

Example: 07

7.2 Help-e-Transaction Terminal

PaymentTrust Limited PaymentTrust

TM

system supports transaction types at various stages of the payment process. You can authorise, deposit, credit sales to your

Merchant accounts and retrieve report information in real-time.

PaymentTrust

TM

can execute the following transaction types either online directly from the your storefront or manually using the PaymentTrust

TM

e-Transaction

Terminal.

7.2.1 Transaction Type Codes

Authorise (A)

Reduces the cardholder’s open to buy (credit limit), but does not actually capture the funds. A deposit (Settlement)(D) transaction must be issued in order for the transaction to be settled and for the funds to be transferred.

Settlement (Deposit) (D)

It marks a previously authorised transaction for funds capture during the next settlement period. Merchants who do not ship goods immediately should use this transaction type after fulfilling their sales obligation.

Simultaneous Authorisation & Settlement (Deposit) (S)

Charges the specified amount against the account, and marks the transaction for immediate funds transfer during the next settlement period.

Cancel (C)

Reversal of a partial or an entire authorisation charge prior to the settlement process. It prevents a transaction from being settled.

Refund (R)

A transaction that returns a specified amount to the cardholder’s account.

Payback (P)

A transaction that returns a specified amount to the cardholder’s account by cheque

(CQ) or credit card (CC) or electronic transfer (EC).

BTS Bank Transfer Service (B)

A transaction that returns a specified amount to the cardholder’s account electronically via bank.

7-76

7.3 Help-Report Search Tools

PaymentTrust

TM

offers you easy-to-use tools for conducting up-to-date online transaction searches. You can retrieve detailed information on specific transactions by selecting from a series of search criteria.

7.3.1 Transaction Amount

Searches for a specific transaction amount.

Data entry format: 00.00

Example: 150.25

7.3.2 Authorisation Code

Searches by a specific authorisation code. This number may not be unique.

Data entry format: 6-digit authorisation code specified by financial institution

Example: 021305

7.3.3 Credit Card Number

A credit card number search will return all transactions on a specific credit card number. For privacy and security reasons only partial credit card numbers are kept in our system. To search for credit card numbers use only the first four digits or the last 3 digits with the "similar to" condition.

Data entry format: Client's credit card first four numbers or last three numbers and condition "similar to"

Example: For credit card number 4000000000000002 use

4000 or 002

7.3.4 Currency Code

Searches by currency used for processing transactions.

Data entry format: 3-digit code assigned to processing currencies

Example: 840 for U.S. dollars

7.3.5 Day

Searches for transactions by the corresponding numeric day value of any given month.

Data entry format: 1 digit number corresponding to day of the week

Example: 1 for August 1

31 st st

, 2 for August 2 nd

, 31 for August

7-77

7.3.6 Credit Card Expiry Date

Searches for all transactions with a specific credit card expiry date.

Data entry format: MM/YYYY

Example: 092000

7.3.7 Month

Searches for transactions by month of the year.

Data entry format: 2-digit number corresponding to month of the year

Example: 01 for January, 02 for February, 12 for December

7.3.8 Order Number

Searches a specific order number that is associated with a series of transaction types, all of them related to one original authorisation code. This number is unique and assigned by the Merchant.

Data entry format: Merchant assigned order number

Example: 00800120

7.3.9 Response Message

Searches for all transactions having a specific response message returned by

PaymentTrust

TM

.

Data entry format: Text corresponding to message

Example: Transaction approved

7.3.10 Response Code

Searches by a specific transaction result code.

Data entry format: 4-digits; see Appendix I

Example: 2100

7.3.11 Transaction ID

Searches for a specific transaction identification number assigned by PaymentTrust

TM

.

Data entry format: Numeric ID assigned by PaymentTrust Limited

Example: 120000

7.3.12 Transaction Type

Searches for a specific transaction type.

7-78

Data entry format: Choose from the following transaction types:

A(Authorisation), S(Simultaneous Authorisation and Deposit(Settlement)), V(Void),

C(Cancellation), D(Deposit (Settlement)),

R(Refund)

Example: A

7.3.13 Year

Searches for transactions by year.

Data entry format: 4-digit number corresponding to year

Example: 2000

7-79

8. A

PPENDIX

I:

MESSAGE

/

RESPONSE CODES

The following list reflects all currently defined PaymentTrust response codes. One of the following codes is returned with each transaction that is submitted into the PaymentTrust system. Many of these codes will never be returned in your output.

PaymentTrust Result Codes

ST – Streamline

BMS – Barclays

LY – Lloyds

PH – PaymentTech

PT – PaymentTrust

EC – EuroConnex

PN – Pacnet

NT – Neteller

P2 – Pay2

FS – Swedish Acquirer

BV – Bank of Valleta

FX – Foreign Exchange

3D – 3DSecure Authentication

NA – Not applicable to any Acquirer

Message

Code

Description

2000 No answer

Explanation

Received no answer from banking network. Resend

2001 Dropped the transaction transaction.

No need to do this transaction

2040 Pending to be finalized

2050 Request pending

Request submitted and waiting for processing to be completed next cycle.

Request submitted and waiting for processing to be completed next cycle.

Cannot find the BTID for the original request 2051 Request Pending with

Errors.

2053 Notification Received

2100 Transaction

Authorized/Approved

2101 Validated

2102 Verified

2103 Prenoted

Notification Received

Transaction Authorized/Approved

Validated

Verified

Prenoted

2104 Transaction approved

2105 Notification Cleared

2150 Funds deposited successfully

2160 Funds refunded successfully

Transaction was approved - Base 24

Notification Cleared

Deposit request previously submitted has been processed successfully

Refund request previously submitted has been processed successfully

Acquirer

PH

NA

ALL

ALL

PN

PN

ALL

NA

NA

NA

NA

PN

NA

NA

8-80

Message

Code

Description

2170 Transaction cancelled successfully

2200 Transaction Declined

2202 Cancellation Declined

2203 Cancellation cannot be performed.

2204

2206

Soft AVS

Invalid currency

Cancellation transaction failed.

Card was authorized but AVS did not match.

Contact client.

Incoming record currency type does not match system stored currency

PT

PH

PT

2208 Invalid merchant account number

Invalid merchant account number PT

2210 Invalid credit card number Bad check digit, length, or other credit card problem PT

2212 Invalid credit card expiration date

Credit card has expired or incorrect date entered.

Confirm date.

2214

2216

Credit card expired

Invalid amount

Credit card has expired

Amount sent was 0 or unreadable

PT, EC,

LY, PH and

BV

AX, FS, LY and PH

PT

PT 2218 Invalid method of payment Method of payment is invalid for this account number

2219 Credit card is not valid for this transaction

The specific credit card will not accept payment.

Method of payment is invalid for this merchant 2220 Invalid method of payment for merchant account number

2222 Invalid field data Invalid information entered

BACS

PT

LY and PH

BACS 2223 No Sort code or Account

Number in Payback system

2224 Data is inaccurate or missing

2226 Duplicated transaction

No Sort code or Account Number in Payback system

Specific and relevant data within transaction is inaccurate or missing

Same transaction had been submitted

PT

2228

2229

Invalid transaction

Invalid transaction

Issuer does not allow this transaction

Processor permits only one deposit request per authorization

Invalid merchant account number

FS, PH and

BV

PT

PT

AX 2230 Invalid merchant account number

2232 Invalid issuer

2234 Invalid response code

Invalid issuer or institution

Invalid response code

FS

PH

2235

2236

Invalid Currency Code

Entered

Invalid for credit

2237 Invalid refund not allowed

(CFT)

2238 Invalid for debit

2240 Invalid SEC code - Amex

2280 Incorrect start date

2282 Invalid issue number

Explanation

Cancellation request has been processed successfully

Transaction Declined/Not Authorized/Not Settled

Cancellation Declined by Acquirer

Currency code submitted is different than code submitted with original authorization request

Invalid for credit

Invalid refund not allowed (CFT)

Invalid for debit

Amex CID is incorrect

Switch/Solo - Incorrect start date or requires an issue number. Please correct

Switch/Solo - 1-digit number submitted when 2-digit number should have been sent. Please correct

Acquirer

PT

ALL

LY

PH

PH

LY, BC,

ST, FS

PH

PH

PH, BMS,

ST and LY

PH, BMS,

ST and LY

8-81

Message

Code

Description

2284 Invalid transaction

2286 Bank not supported by

Switch

2300 Card does not exist

2302 Invalid transit routing number (ABA code)

2304 Missing name

2306 Bank account closed

2308 Invalid account type

2310 Account does not exist

2312 No account

2314 Account holder deceased

2316 Beneficiary deceased

2318 Account frozen

2320 Customer opt out

2322 ACH non-participant

2324 Invalid account number

2326 Authorization revoked by customer

2328 Customer advises not authorized

2330 Invalid CECP action code

2332 Invalid account number format

2334 Bad account number data

2350 Card surpassed daily limit

2352 Times card used limit

2354 Over credit limit

2356 Enter lesser amount

2358 No credit amount

2360 One purchase limit

2362 Over Sav limit

2364 Over Sav frequency.

2366 Card not supported

2368 Invalid PIN.

2370 Allowable PIN tries exceeded.

2372 PIN required

Explanation

Switch/Solo - a format issue, re-examine transaction layout. Please correct

Bank not supported by Switch

Acquirer

PH, BMS,

ST and LY

PH

No card record

Invalid bank routing number

NA

PH

Missing the check writer’s name.

Bank account has been closed

Account type is invalid or missing. Deposit transactions only

Account does not exist

Account number does not correspond to the individual

Account holder deceased. No further debits will be accepted by the bank

Beneficiary deceased. No further debits will be accepted by the bank

The funds in this account are unavailable. No further debits will be accepted by the bank

Customer has refused to allow the transaction

Banking institute does not accept ACH transactions

(For US ECP)

Account number is incorrect

Customer has notified their bank not to accept these transactions

Customer has not authorized bank to accept these transactions

Pertains to Canadian ECP only.

Format of account number does not pass check digit routine for that institution. (For CDN ECP)

Invalid characters in account number

Card has surpassed daily transaction amount limit

The limit of number of times used for the card has been surpassed

Card has surpassed its credit limit

Enter a lesser amount

No credit amount

Card is limited to one purchase

Over Sav limit

Over Sav frequency.

Card not supported

Invalid PIN

Allowable PIN tries exceeded

PH

PH

PH

PH

PH

PN

NA

NA

NA

PH

FS, LY,

NT, P2 and

PH

PH

PH

PH

PH

PH

PH

PH

LY and PH

NA

NA

PH

BV

PH

LY

EC, FS and

PH

PH and BV

PIN required BV

8-82

Message

Code

2374

2380

Description

Card failed MOD 10 check

On negative file

Explanation

Card failed MOD 10 check verification

Account number appears on negative file

Stop Payment Issued

PTLF full

Fraud suspected

Unable to process transaction

Acquirer

BV

LY, PH and

BV

PN 2382 Stop Payment Issued

2400 PTLF full

2401 Fraud suspected

2402 Unable to process transaction

2403

2404

Duplicate transaction

Cutoff in progress

Duplicate transaction

Cutoff in progress

BV

NA

NA

LY

PN

2405 Incorrect PIN

2406 PIN tries exceeded

Incorrect PIN

PIN tries exceeded

FS, LY, NT and BV

FS and LY

2407 Exceeds withdrawal

2410

2610

2611

2612 Authorization host system

2614

2616

2618

2620 frequency

Invalid 3D Secure Data

Timeout error

Timeout error down or unavailable

Acquirer/Issuer unavailable.

Resend

Invalid issuer

Unidentified error

Unable to process.

Exceeds withdrawal frequency

Invalid 3D Secure Data

Timeout waiting for host response

Internal timeout PT

Authorization host system is temporarily unavailable ST, PH and

BV

Authorization host network could not reach the bank, which issued the card or Acquirer.

Invalid issuer or institution

Unidentified error. Unable to process transaction

BMS. ST,

LY, EC, AX and PH

LY and PH

BMS, ST,

Unable to process transaction due to system malfunction

2622 Unable to authorize.

2624 Merchant information incomplete

2626 Invalid CVN value

2627 Invalid track2 data

Unable to authorize due to system malfunction

Merchant information incomplete

Invalid CVN value

The track2 format information is incorrect

2628 Transaction not supported Merchant not Support this transaction

2630 Invalid store ID No such store ID for the merchant

2632 Invalid authcode Invalid authcode

FS and LY

BMS, ST and LY

FS, AX,

BV, ST and

LY

PH and BV

FS, LY and

BV

LY and BV

NT and P2

FS and LY

PT

LY

PT

NA

2634 Invalid format

2636 Invalid message type

2638 Invalid POS system type

2640 This transaction has been cancelled

2642 This TrxSource is not supported by the bank

2644 Insufficient Terminal IDs, please try again

2700 Invalid file

2702 Amounts do not compute

2704 Line items do not add up to summary total

Invalid format

Invalid message type

Invalid POS system type

A message has be sent to reverse previous time out transaction

This TrxSource is not supported by the bank

Not enough terminal ID at the time of transaction

General error for PC card

Amount is invalid

Line items do not add up to summary total

AX and LY

NA

NA

AX and LY

PT

ST

NA

PT

PT

8-83

Message

Code

Description

2706 Not supported for batch

2712 Mandatory field is invalid or missing

2714 Total line items do not add up

2716 Line items missing

2718 Commodity code is invalid or missing

2720 Cross border information is invalid or missing

2722 Invalid purchase card number

2802 Invalid ICC parameter.

2952 Pick up card

Explanation

Not supported for batch

Mandatory field is invalid or missing

Total line items do not add up

Line items missing

Commodity code is invalid or missing

Cross border information is invalid or missing

Not a purchase card

One of the ICC parameters submitted was invalid.

Card issuer wants card returned. Call issuer

Acquirer

PT

PT

PT

NA

AX

PT

PT

2954 Card stolen

2956 Do not honor

2958 Call Bank

2960

Insufficient funds

Card reported as lost/stolen

Generic decline. No other information is being provided by the issuer

Issuer wants voice contact with cardholder

Insufficient funds

2962 CVV2 failure

2964 Delinquent account.

2990 Cancellation

3050 Transaction pending

3051 Transaction pending with rate escalated

3100 Transaction approved

3111 Rate escalated

3170 Transaction cancelled successfully

3171 Transaction refunded

3200 Rate expired

Issuer has declined request because CVV2 edit failed

Delinquent account

Cancellation is going to reverse the authorization

Transaction pending

A new rate is assigned for the transaction

FX transaction approved

Transaction rate escalated

Transaction cancelled successfully

3203

Cancellation cannot be performed

3204 Cancellation not enabled

3206 Invalid currency

3207 Exchange currency not supported

3208 CurrencyId matches

ConvertedCurrencyId

Transaction refunded

Rate requested has expired and no new rate is available

The deposit/refund transaction being cancelled cannot be because it has already been submitted

Cancellation disabled in merchant set-up

Invalid currency of record

Exchange currency not setup in merchant account

Conversion to same currency redundant

3209 Currency pair not supported Cannot convert to requested currency

3210 CurrencyId does not match

Currency submitted does not match the original

FX request

rate request

3216 Invalid amount Invalid amount

3217 Invalid FXID Invalid FXID

BV

NA

FX

FX

FX

FX

FX

FX

FX

FX

FX

FX

FX

FX

FX

FX

FX

FX

PT

EC, LY, PH and BV

FS, LY, PH and BV

FS, LY and

PH

AX, ST,

BMS, EC,

FS, LY, BV and PH

FS, LY,

NT, P2 and

PH

LY and PH

8-84

Message

Code

Description

3218 Issuer is not available.

Please try again

3219 Credit card is not valid for this transaction

3220 Currency Not Supported

3224 Data is inaccurate or missing

3226 Duplicated transaction

3228 Invalid transaction

3321 Invalid account data

3341 Non-executable rate

3354 Refund amount over limit

3361 Rate quote invalid

Unexpected error

Explanation

Credit card is not valid for this transaction

Currency of card not supported

One or more required parameters are not present

Duplicated transaction

Generic error message for invalid transactions

Invalid account data

Quoted rate is not executable

Refund is over the original value of the deal

Quoted rate is invalid

3362 Rate expired not escalated Expired rate cannot be escalated

3371 Rate revoked Rate has been revoked

3381 Transaction exceeds amount limit

Transaction min/max limits reached

3391 Batch size exceeds the maximum allowed

3614 FX system unavailable

3781

Refund not enabled

3783 Refund not possible

3785 Refund period expired

4050 Cardholder enrolled

4100 Cardholder authenticated

4200 Cardholder not enrolled

4202 Card not participating in 3D

Secure

Batch size exceeds the Maximum allowable size transaction/payment not written to database

FX system cannot be reached

Refund disabled in merchant set-up

Refund cannot be processed

Refund period expired

Cardholder enrolled for 3D Secure

Cardholder answered password/challenge question correctly

Cardholder not enrolled for 3D Secure

Credit card is not recognized as a 3D Secure card

4204 Cardholder not authenticated

4206 Invalid currency

4207 Invalid merchant setup.

Please call support.

Cardholder failed to answer password/challenge question

Invalid currency

Invalid merchant setup. Please call support.

4208 Invalid merchant account number

Invalid merchant account number

4210 Invalid credit card number Invalid credit card number

4212 Invalid credit card Invalid credit card expiration date expiration date

4216 Invalid amount

4224 Data is inaccurate or missing

4228 Invalid transaction

Invalid amount

Specific and relevant data within transaction is inaccurate or missing

Invalid transaction

4240 Cardholder enrolment failed Enrolment process failed

4242 Cardholder authentication Authentication process failed failed

4614 MPI not available

4616

4618 Internal MPI error

4626

Directory server not available

Invalid SecureId

MPI not available

Directory server not available

Internal MPI error

Invalid SecureId

FX

FX

FX

FX

FX

3D

3D

FX

FX

FX

FX

FX

FX

FX

FX

FX

3D

3D

3D

3D

3D

3D

3D

3D

3D

3D

3D

3D

3D

3D

3D

3D

3D

Acquirer

FX

FX

FX

FX

8-85

9. A

PPENDIX

II:

CURRENCY CODES

AUSTRALIA

AUSTRIA

BAHRAIN

BELGIUM

BERMUDA

BRAZIL

CANADA

COLOMBIA

CYPRUS

CZECH REPUBLIC

DENMARK

EUROPEAN UNION

FINLAND

FRANCE

FRENCH POLYNESIA

GERMANY

GREECE

HONG KONG

HUNGARY

ICELAND

INDIA

INDONESIA

IRELAND

ISRAEL

ITALY

JAMAICA

JAPAN

JORDAN

KOREA, REPUBLIC OF

KUWAIT

LUXEMBOURG

MALAYSIA

MALTA

MEXICO

MOROCCO

NETHERLANDS

NEW ZEALAND

NORWAY

OMAN

PANAMA

PHILIPPINES

POLAND

PORTUGAL

QATAR

RUSSIAN FEDERATION

SAUDI ARABIA

SINGAPORE

SOUTH AFRICA

SPAIN

SWEDEN

SWITZERLAND

TAIWAN

THAILAND

The ability to accept new currencies will enable you to attract a larger customer base.

Processing in multiple currencies eliminates your customers’ foreign exchange risks and issues, which typically stem from local charges to foreign credit cards. PaymentTrust

TM currently processes Visa®, Master Card®, and American Express® transactions in the following currencies:

Country Name

Count ry

Code

Currency Name

AUS AUSTRALIAN DOLLAR

AUT SCHILLING

BHR BAHRAINI DINAR

BEL BELGIAN FRANC

BMU BERMUDIAN DOLLAR

BRA BRAZILIAN REAL

CAN CANADIAN DOLLAR

COL COLOMBIAN PESO

CYP CYPRUS POUND

CZE CZECH KORUNA

DNK DANISH KRONE

EUR EURO

FIN MARKKA

FRA FRENCH FRANC

PYF CFP FRANC

DEU DEUTSCHE MARK

GRC DRACHMA

HKG HONG KONG DOLLAR

HUN FORINT

ISL ICELAND KRONA

IND INDIAN RUPEE

IDN

IRL

ISR

ITA

INDONESIAN RUPIAH

IRISH POUND

SHEKEL

ITALIAN LIRA

JAM JAMAICAN DOLLAR

JPN YEN

JOR JORDANIAN DOLLAR

KOR WON

KWT KUWAITI DINAR

LUX LUXEMBOURG FRANC

MYS MALAYSIAN RINGGITT

MLT MALTESE LIRA

MEX MEXICAN NUEVO PESO

MAR MOROCCAN DIRHAM

NLD NETHERLANDS GUILDER

NZL NEW ZEALAND DOLLAR

NOR NORWEGIAN KRONE

OMN RIAL OMANI

PAN BALBOA

PHL PHILIPPINE PESO

POL NEW ZLOTY

PRT PORTUGUESE ESCUDO

QAT QATARI RIAL

RUS RUSSIAN RUBLE

SAU SAUDI RIYAL

SGP SINGAPORE DOLLAR

ZAF RAND

ESP SPANISH PESETA

SWE SWEDISH KRONA

CHE SWISS FRANC

TWD NEW TAIWAN DOLLAR

THA BAHT

Currency Code

PHP

PLN

PTE

QAR

RUB

SAR

SGD

ZAR

ESP

SEK

CHF

TWD

THB

KRW

KWD

LUF

MYR

MTL

MXN

MAD

IDR

IEP

ILS

ITL

JMD

JPY

JOD

NLG

NZD

NOK

OMR

PAB

AUD

ATS

BHD

BEF

BMD

BRL

CAD

COP

CYP

CZK

DKK

EUR

FIM

FRF

XPF

DEM

GRD

HKD

HUF

ISK

INR

Currency

ID

702

710

724

752

756

901

764

608

985

620

634

643

682

410

414

442

458

470

484

504

360

372

376

380

388

392

400

528

554

578

512

590

986

124

170

196

203

208

36

40

48

56

60

978

246

250

953

280

300

344

348

352

356

9-86

Country Name

TURKEY

TURKEY

UNITED ARAB EMIRATES (UAE)

UNITED KINGDOM

UNITED STATES OF AMERICA

UZBEKISTAN

VENEZUELA

Count ry Currency Name

Code

TUR TURKISH LIRA

TUR NEW TURKISH LIRA

ARE UAE DIRHAM

GBR POUND STERLING

USA US DOLLAR

UZS UZBEKISTAN SUM

VEN BOLIVAR

Currency

ID

792

949

784

826

840

860

862

Currency Code

TRL

TRY

AED

GBP

USD

UZS

VEB

9-87

10. A

PPENDIX

III:

HOW TO CONTACT US

Our product support specialists provide technical assistance to current customers or maintenance customers, prospective customers who are evaluating our products and services. Our support specialists handle questions on the use, configuration and functionality of our products and services and are committed to providing timely responses to your enquiries.

Contact us at [email protected]

.

Supportline (office hours)

Dialing from within the UK - 0845 3007567

Dialing from outside the UK - +44 (0) 1932 690237

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11. G

LOSSARY OF PAYMENT PROCESSING TERMINOLOGY

A

ABA

See American Bankers Association.

ABA Routing Number

The American Bankers Association (ABA) routing number is a unique, bank identifying number that directs electronic ACH deposits to the proper bank. The routing number precedes the account number printed at the bottom of a check and is usually printed with magnetic ink.

Account Number

A unique sequence of numbers assigned to a cardholder's account, which identifies the issuer and type of financial transaction card.

ACH

See Automated Clearing House.

ACI

See Authorization Characteristics Indicator.

Acquirer

A bank or financial institution that acquires data relating to transactions from a merchant or card acceptor for processing. The acquirer enters this data into interchange, either directly or indirectly. See Interchange.

Acquiring Bank

A bank that receives credit card transactions and then deposits them with the issuing banks. This is an acquirer.

Address Verification Service

A service that verifies the cardholder's billing address in order to help combat fraud in card-notpresent transactions (e.g. mail order, telephone order, internet, etc.). Used only in the United

States.

Agent Bank

A bank that participates in another bank's acquiring program, usually by turning over its applicants for bank cards to the bank administering the acquiring program.

American Banker's Association

The trade association of American bankers. This body also has the responsibility of assigning the registration authority for identification numbers.

American Express

An organization that issues cards and acquires transactions, unlike Visa and MasterCard, which are bank associations. American Express processes their own transactions through their network.

Amex

See American Express.

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API

The Application Programming Interface (API) is the interface by which an application program accesses the operating system and other services. An API is defined at source code level and provides a level of abstraction between the application and the kernel to ensure the portability of the code.

Approval

Any transaction that is approved by the cardholder or the check issuer's bank. Approvals are requested via an authorization. An approval is the opposite of a declined transaction.

Arbitration

The procedure used to determine the responsibility for a chargeback-related dispute between a merchant and buyer.

Asynchronous

A method of transmitting data in which the data elements are identified with special start and stop characters. An asynchronous modem cannot communicate with a synchronous modem. Compare with Synchronous (e.g. standard Hayes compatible modem).

ATM

See Automated Teller Machine.

Auth Only

A transaction in which the merchant does not intend to charge the cardholder until a later time, if at all. See Prior Authorized Sale.

Authorization

An authorization is a request to charge a cardholder. It reduces the cardholder's open to buy, but does not actually capture the funds. An authorization is the first transaction in the delayed deposit process. It does not bill the card until a delayed capture transaction is issued. The authorization must be deposited in order to charge the account. If it is not used within a certain time period, it will drop off. The issuing bank determines the time period for drop off. Authorizations can only be used for credit card transactions.

Authorization Code

Approved sale and authorization transactions always receive a numeric or alphanumeric authorization code referencing the transaction for processing purposes.

Automated Clearing House

The Automated Clearing House (ACH) network is a nationwide, wholesale electronic payment and collection system. It is a method of transferring funds between banks via the Federal Reserve

System. Most, but not all, financial institutions use it.

Average Ticket

The average dollar amount of merchant credit transactions.

AVS

See Address Verification Service.

B

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Bank card

A debit or credit card issued by a bank.

Bank Identification Number

The digits of a credit card that identifies the issuing bank. It is sometimes the first six digits and is often referred to as a BIN. Also referred to as Issuer Identification Number.

Basis Point

One one-hundredth of a percent. Discount rates are expressed as basis points.

Batch

A collection of transactions submitted for deposit. Usually a merchant has one batch per day or per shift.

Batch ID

Once a batch is deposited, it is assigned a batch ID. Every transaction in the batch shares this ID.

If a transaction does not have a batch ID associated with it, the transaction has not been deposited.

Batch Processing

A type of data processing where related transactions are transmitted as a group for processing.

Batch Deposit

An electronic bookkeeping procedure that sends all funds from captured transactions to the merchant's acquiring bank for deposit. PaymentTrust

TM

automatically submits all captured transactions for deposit on a daily basis. The time span, in which funds reach the merchant account after deposit, is 1-5 days, but varies by acquiring bank.

BIN

See Bank Identification Number.

Binary Executable

A universal character coding system.

Bundled Rate

A discount rate that includes communication costs as well as transaction fees. Also referred to as a flat rate.

C

Cancellation

Reversal of a partial or an entire authorization charge prior to the deposit process. It prevents a transaction from being deposited. A Cancellation does not remove any hold on the cardholder's open to buy.

Capture

The process of capturing funds from an authorized transaction.

Card Issuer

See Issuer, Issuing Bank.

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Card-Not-Present

A merchant environment where the cardholder and the card are not physically present at the time of purchase. The following are typical card-not-present transactions: mail/telephone order, business to business and internet based transactions.

Card-Present

A merchant environment where the cardholder and the card are physically present at the time of purchase. Card-present transactions account for the majority of credit card transactions in the world.

Card Verification Value

A unique verification value encoded on the magnetic strip of a card to validate card information during the authorization process. The card verification value is calculated from the data encoded on the magnetic strip using a secure cryptographic process. This method is used by Visa and

Master Card.

CAV

Cardholder Authentication Value used by PaymentTrust and Acquirer. Base64 encoded data structure containing 3D Secure authetication results provided by the 3D Secure MPI, usally Visa’s

CAVV or MasterCard’s UCAF.

CAVV

Visa’s Cardholder Aunthentication Verification Value. Base64 encoded data structure containing

3D Secure authentication results provided by the 3D Secure MPI.

CGI

See Common Gateway Interface.

Chargeback

The act of taking back funds that have been paid to a merchant for a disputed or improper credit card transaction. The issuer can initiate this procedure 30 days after the deposit.

Chargeback Period

The number of calendar days in which a card member may charge sales back to the merchant, beginning with the day after the date the record is first received by the member or agent and continuing until the end of the day on which it is dispatched as a chargeback item.

Chargeback Reason Code

A two-digit code identifying the specific reason for the chargeback.

Check Guarantee

A service which guarantees check payments (up to the limit defined for the account) provided that the merchant follows correct procedures in accepting the check. The service determines whether the check issuer has previously written delinquent checks. Companies like TeleCheck provide this type of service.

Chip Card

Also known as a smart card. A chip card holds details on a computer chip, which can store and process information. It usually also has a traditional magnetic stripe.

Clearing

The process of exchanging financial details between an acquirer and an issuer to facilitate posting of a cardholder's account and reconciliation of a merchant's deposit position.

Common Gateway Interface

An interface program that enables an Internet server to run external programs to perform a specific function. Also referred to as gateways or CGI scripts; these programs generally consist of

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a set of instructions written in a programming language like C or PERL that process requests from a browser, executes a program and formats the results in HTML. Gateway scripts often add interactivity to a Web page by enabling users to fill out and submit forms for processing.

Confirmation Letter

A letter sent by a processor to a merchant on a daily or weekly basis to verify batch deposits.

Converted Currency ID

ISO standard numeric ids of the converted currency.

Example: USA = 840, GBP = 826, JPY = 392

Conversion Rate

The conversion rate applied to the transaction amount in U.S. dollars.

Copy Request

See Retrieval Request.

Credit

Also known as a refund. A credit is a transaction that transfers funds from the merchant's account back in to the customer's credit card. This type of transaction is usually performed when a product is returned to the merchant. A credit can be performed through the e-Transaction

Terminal area of PaymentTrust

TM

Payment Manager or through a merchant's storefront application. Check refunds can only be issued via credit card or through a non-electronic paper check. A credit can only be issued to an account that has not had a previous authorization.

Credit Limit

The limit of credit a cardholder is approved to borrow. Credit card purchases are loans to the cardholder by the issuer.

Currency ID

ISO standard numeric ids of the converted currency.

Example: USA = 840, GBP = 826, JPY = 392

CVC

See Card Verification Code.

CVV See Card Verification Value.

CVV2

See Card Verification Value.

D

DDA

See Demand Deposit Account.

Debit Card

An ATM bank card used to purchase goods and services, and to obtain cash. A debit card debits

11-93

the cardholder's bank account and requires a Personal Identification Number (PIN). Debit cards branded with a bank card logo (e.g. Visa) can be accepted without a PIN for Internet transactions.

Decline

A transaction in which the issuing bank will not authorize the transaction.

Delayed Capture

A delayed capture is a transaction type that uses the information from an authorization transaction to capture funds. This is the second step in the delayed deposit process and should be used by merchants who do not provide immediate shipment of goods.

Delayed Deposit

This is a two-phase process that utilizes an authorization and a delayed capture transaction to process customer orders. This procedure is recommended when the merchant delivers goods or services after a 48-hour period.

Demand Deposit Account

A standard checking or savings account into which electronic funds can be transferred.

Deposit

The process of transmitting a batch of transactions from the merchant to the acquiring institution for deposit preparation. It marks a previously authorized transaction for funds capture during the next deposit period. Merchants who do not ship goods immediately should use this transaction type after fulfilling their sales obligation.

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

Amount charged to a merchant by the acquiring bank for transaction processing. It usually represents a percentage of the transaction amount. The rate is typically based on monthly transaction volume (total dollars) and average ticket. The discount fee is the dollar amount charged.

Downgraded ICC:

A chip card that only contains track 2 information on it.

Draft Capture

Refers to Deposit.

E

ECR

See Electronic Cash Register.

EFT

See Electronic Funds Transfer.

Electronic Cash Register

The combination of a cash register and a POS terminal, often PC based.

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Electronic Funds Transfer

The paperless act of transmitting money through a computer network.

External Sales Agent

Amex term for ISO or MSP.

F

Floor Limit

A preset limit established by an issuer that allowed merchants to accept credit card sales without authorization provided the merchant verifies the card number on a warning bulletin for lost or stolen cards. Floor limits are now rarely used.

Fraudulent User

An individual who is not the cardholder or designee and who uses a card to obtain goods or services without the cardholder's consent.

Fraudulent Transaction

A transaction unauthorized by the cardholder of a bank card. 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 company.

H

HTTP Protocol

Hardware and/or software that connects computer networks and allows them to communicate.

I

ICC (Integrated Circuit Card)

See chip card.

Independent Sales Organization

Visa term for a company that is sponsored by an acquiring bank to solicit and sometimes support merchants.

Interchange

The flow of information between issuers and acquirers (e.g. transactions, retrieval requests, chargebacks).

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Interchange Fee

The fee charged by Visa and MasterCard for each credit card transaction. This fee is part of the discount rate.

Internet Merchant Bank Account

A special account required for merchants who wish to sell goods and services over the Internet and accept credit cards as payment. This type of account is different than a typical merchant account and is considered similar to a card-not-present transaction.

Internet Service Provider

A company that offers access to individuals or companies to connect to the Internet.

ISO

See Independent Sales Organization.

ISP

See Internet Service Provider.

Issuer

An institution that issues plastic cards to cardholders.

Issuing Bank

See Issuer.

M

Magnetic Ink Character Recognition (MICR)

The process used to read the string of numbers on the bottom of a check. The MICR characters

(0-9 and 4 special characters) are printed in special toner or ink. When the check is passed through a reader/sorter, it passes through two magnetic heads. The first one magnetizes the

MICR character and the second one reads the (now) magnetic MICR character. Also referred to as Magnetic Ink Check Reader.

Manual Entry

Credit card information that is entered via the e-Transaction Terminal of PaymentTrust

TM

Payment Manager.

Manual Refund

A transaction that returns the specified amount to the cardholder's account.

MasterCard

An association of banks that governs the issuing and acquiring of MasterCard credit card transactions and Maestro debit transactions.

Member

A financial institution that is a member of Visa USA and/or MasterCard International. A member is licensed to issue cards to cardholders and/or accept merchant drafts.

Merchant

A retailer, or any other entity (pursuant to a Merchant Agreement), that agrees to accept credit cards, debit cards, or both, when properly presented.

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Merchant Agreement

A written agreement between a merchant and a bank (or possibly between a merchant, a bank and ISO) summarizing their respective rights, duties and warranties with respect to acceptance of the bank card and matters related to bank card activity.

Merchant Bank

A bank issuing an agreement to a merchant to accept (acquire) deposits generated by bank card transactions.

Merchant Category Code

A code assigned by an acquirer to a merchant to identify the merchant's principal trade, profession, or line of business. This 4-digit code is also know as the SIC code.

Merchant Discount

Compensation received by a bank from a merchant for processing and accepting credit card risk on the merchant's credit card sales.

Merchant Number

A series or group of digits that uniquely identifies the merchant to the merchant's signing bank for account and billing purposes.

Merit

Refers to the qualification levels for a MasterCard transaction. Merit III is the highest discount, followed by Merit II, Merit I, and then Standard.

MICR Number

See Magnetic Ink Character Recognition.

MO/TO

Mail Order/Telephone Order credit card transactions.

MPI

Merchant Plugin. 3 rd

party software used by a merchant to authenticate 3D Secure transactions.

MSP

See Member Service Provider.

N

Network

See Processor. Also used to refer to communication networks like AT&T or CompuServe.

Non-Qualified

A broad term that describes a transaction that did not interchange at the best rate, because it was entered manually, was not deposited in a timely manner, or the data set required for the best interchange was not provided.

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O

ODFI

See Originating Depository Financial Institution.

Open to buy

The amount of credit available at a given time on a cardholder's account.

Operator

A central clearing facility that provides distribution and deposit of ACH transactions. ACH operators clear debits and credits electronically, rather manually. Currently four ACH Operators exist: the Federal Reserve System, which clears approximately 80% of all ACH transactions,

Visanet ACH, New York ACH, and American ACH.

Original Draft

The original copy of the forms and signatures used in the transaction. Also referred to as the hard copy.

Originating Depository Financial Institution

A financial institution that initiates and warrants electronic payments through the ACH network on behalf of its customers.

Originator

A company or other business entity that creates entries for introduction into the ACH network. For example, a billing company produces debit entries from customers' financial institution accounts who have authorized direct payment for products and services.

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P

PAN

See Primary Account Number.

PIN

Personal Identification Number used by a cardholder to authenticate card ownership for ATM or debit card transactions. The cardholder enters his/her PIN into a keypad. The PIN is required to complete an ATM/debit card transaction.

Point Of Sale

The place and time at which a transaction occurs. Point of Sale (POS) also refers to the devices or software used to capture transactions.

POS

See Point Of Sale.

Post Authorization

A transaction for which a voice authorization was received. See Prior Authorized Sale.

Post-Auth

See Post Authorization.

Posting

The process of recording debits and credits to a cardholder's account balances.

Pre-Auth

Same as Auth Only.

Prenote

See Pre-Notification.

Pre-Notification

Prior to the initiation of the first ACH entry to an ACH receiver or the ACH receiver's account with an RDFI, an ACH originator may, at its option, deliver or send a pre-notification through an ODFI to its ACH operator for transmittal to the appropriate RDFI. The pre-notification shall provide notice to the RDFI that the originator intends to initiate one or more entries to that receiver's account in accordance to the receiver's authorization.

Primary Account Number (commonly called PAN)

The number that is embossed, encoded, or both on a plastic card that identifies the issuer and the particular cardholder account. The PAN consists of a major industry identifier, issuer identifier, individual account identifier, and check digit.

Prior

See Prior Authorized Sale.

Prior Authorized Sale

A transaction for which authorization was obtained before a transaction takes place, e.g. when a merchant has to call for authorization before services are rendered. The approved authorization request may be held for an extended length of time before a card is present or not.

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Prior-Auth

See Prior Authorized Sale.

Private Label Card

A bank card that can be used only in a specific merchant's store. Typically not a bank card.

Processing Date

The date on which the acquiring bank processes the transaction.

Processor

A large data center that processes credit card transactions and deposits funds to merchants. A processor connects to the merchant on behalf of an acquirer via a gateway or POS system to process payments electronically. Processors edit and format messages and switch to bank card networks. They provide files for clearing and deposit, and other value added services.

Q

Qualification

A level at which a transaction interchanges. The level of qualification is dependent on how a credit card number is entered, how quickly a transaction is deposited, the type of industry, and other specific information.

R

RDFI

See Receiving Depository Financial Institution.

Receipt

A hard copy description of the transaction that occurred at the point of sale. Minimum information contained on a receipt is date, merchant name and location, account number, type of account used (e.g. Visa, MasterCard, Amex, etc.), amount, reference number and/or authorization code, and action code.

Receiver

A consumer, customer, employee, or business who has authorized ACH payments by Direct

Deposit or Direct Payment to be applied against a depository account.

Receiving Depository Financial Institution

A financial institution that provides depository account services to customers, employees and businesses, and accepts electronic debits and credits to and from these accounts.

Recurring Transaction

A transaction in which a cardholder has given a merchant permission to periodically charge the cardholder's account.

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Refund

A transaction that returns the specified amount to the cardholder's account.

Response Code

A numeric code that indicates whether a transaction was approved or declined. Response codes are used in the PaymentTrust

TM

system to indicate transaction responses to merchants.

Retrieval

See Retrieval Request.

Retrieval Request

A request to a merchant for documentation concerning a transaction, usually initiated by a cardholder's dispute or suspicious sale/return. A retrieval request can lead to a chargeback.

Return Code

Any of the codes returned by PaymentTrust

TM

when a transaction is processed.

S

Secure Sockets Layer

An encryption system that allows merchants to securely process electronic transactions.

Deposit

The process by which transactions with authorization codes are sent to the processor for payment to the merchant. Deposit is a sort of electronic bookkeeping procedure that causes all funds from captured transactions to be routed to the merchant's acquiring bank for deposit.

PaymentTrust

TM

automatically submits all captured transactions for deposit on a daily basis. The time that it takes for these funds to reach the merchant account after deposit is 1-5 days, but varies according to the merchant's agreement with their respective card processing company.

Also referred to as Deposit.

SIC Code

Refers to Standard Industry Classification. These codes are 4-digit numbers used to identify a business type.

Simultaneous Authorization And Deposit

Charges the specified amount against the account, and marks the transaction for immediate funds transfer during the next deposit period.

Smart Card

A credit or debit card embodying a computer chip with memory and interactive capabilities used for identification and to store additional data about the cardholder, cardholder's account, or both.

Also called an integrated circuit card or a chip card.

SSL

See Secure Sockets Layer.

Standard

The lowest qualification level at which a Visa or MasterCard transaction may interchange. This occurs when a transaction is deposited several days after the original authorization.

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Surcharges

Any additional charges to a merchant's standard processing fee. They are a result of nonqualified transactions of different communication methods.

Suspense

A state in which a batch of transactions is not released to interchange, because of problems noticed by the host computer. Requires human intervention to fix the problem and deposit the batch.

Swiped Card

Credit card information that is transferred directly as a result of swiping or sliding the credit card through a card reader. Swiped cards are used in retail and other card-present situations. The information magnetically encoded in the magnetic strip includes confidential data that helps validate the card.

Synchronous

A method of transmitting data in which the data elements are sent at a specific rate so that start and stop characters are not needed. Used by older modems such as, Amex PIP terminals. See

Asynchronous.

T

T & E Card

See Travel and Entertainment Card.

Tender Type

The type of "money" used when processing a transaction, for example, credit card, check, ACH,

Purchase Card, etc.

Third Party Processor

A non-member agent employed by an acquiring bank, which provides authorization, deposit and merchant services to the bank's merchant.

Track 1

Bank discretionary data encoded on a magnetic stripe. Includes credit card account number, cardholder name, and expiry date. This magnetic strip is read-only, and its contents are defined in

ISO 7813.

Track 2

Bank discretionary data encoded on a magnetic stripe. Track 2 includes credit card account number and expiry date. This magnetic strip is read-only, and its contents are defined in ISO

7813.

Transaction

The action between a cardholder and a merchant that results in activity on the cardholder's account.

Transaction Fee

A per transaction charge in addition to the percentage discount fees, incurred by merchants who are on scale pricing.

Transaction Date

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The date on which a transaction between a cardholder and a merchant, an acquirer, or a carrier, occurs.

Transaction ID

A is a 16-character numeric string that PaymentTrust

TM

assigns to every transaction that it processes.

Transaction Type

A specific financial detail transaction activity that can be submitted to the clearing system

Travel and Entertainment Card

Credit cards that typically require payment in full each month, (e.g. American Express, Diner's

Club, and Carte Blanche).

U

UCAF

MasterCard’s Universal Cardholder Aunthentication Field. Base64 encoded data structure containing 3D Secure authentication results provided by the 3D Secure MPI.

Undeposited Transactions

PaymentTrust

TM

automatically deposits deposit transactions on a daily basis. Please note that authorization transactions are not captured until they are completed by a deposit transaction.

PaymentTrust

TM

transaction types that are automatically flagged for capture include simultaneous authorization, deposit, and refund.

V

Visa

An association of banks that governs the issuing and acquiring of Visa credit card transactions.

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