ROI Credit Card Processing. ROI Check Verification. Copyright 2000 by MaddenCo, Inc All rights reserved.

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1 ROI Credit Card Processing & ROI Check Verification MaddenCo Inc. December 2001 Copyright 2000 by MaddenCo, Inc All rights reserved.

2 2

3 Introduction...5 Tender Maintenance...6 Credit Card Validation Process...7 Automatic Credit Card Entry...8 Manual Credit Card Entry...9 Settlement Processing...10 Check Verification Processing...11 Automatic Check Entry...12 Manual Check Entry

4 4

5 Introduction The ROI JavaCard Credit Card System (CCS) obtains real-time credit card authorizations through AS/400 communications ports using standard dial-up telephone lines or private leased lines. High speed, single-entry processing of credit card and check transactions eliminates clerical error, reduces costs, and speeds customer service. By implementing multiple connections to your authorizations networks, ROI can support a virtually unlimited number of authorizations per day. ROI Credit Card System supports all major credit cards including MasterCard, VISA, American Express, Discover, Diners Club and Carte Blanche, as well as private label cards. ROI CCS supports credit card authorizations, credits and settlements, including corporate purchasing/procurement cards, plus check verification, guaranty, and truncation (conversion). ROI s exclusive communications software engine uses no CPU resources until communication occurs. It offers high-speed real-time communications and uses a fraction of the CPU resources of alternate approaches. MaddenCo s Point of Sale has been designed to interface with ROI s software thus adding the ability to obtain your credit card authorizations and/or check verifications from your terminal. 5

6 Tender Maintenance For each tender code that represents a credit card, there are two fields that are required. First is the Merchant ID field. This is a number that is given to you by ROI. You will have one merchant id for each bank account into which the settlement deposits are made. The second field is the Credit Card Type YN. This field must be answered with a Y. If using the ROI system for check verification, ROICHECK = Y, the only difference to the tender code for checks is that the Check Verification Type YN field must be a Y instead of the Credit Card Type YN. A Merchant ID is also required. 6

7 Credit Card Validation Process After pressing enter from this screen, another screen will appear requiring additional credit card information. 7

8 Automatic Credit Card Entry If using a magnetic stripe reader, control record ROISWIPE = Y, all you need to do is swipe the card and press Enter. If for some reason the magnetic stripe reader is not working correctly the function for Manual Entry is available. 8

9 Manual Credit Card Entry If not using a magnetic stripe reader, control record ROISWIPE = N, you need to input the credit card account number and expiration date manually. This screen is also used if the magnetic stripe reader cannot read the credit card. If a credit card is initially declined and an authorization code is obtained from the credit card company, go to this screen and enter the account number, expiration date and the authorization code. 9

10 Settlement Processing In order to have the credit card payments deposited into your bank account, the approved transactions must be settled. Once settlement is successfully completed, the funds are normally deposited into your account within 2 to 3 days. There are two different methods of settlement, Host Capture and Terminal Capture. In Host Capture mode, ROIHOST = Y, the authorization network maintains a record of all approved transactions and automatically closes the batch and settles it some time during the night. In Terminal Capture mode, ROIHOST = N, the authorization network does not maintain a record of approved transactions. Most authorization networks support this mode of processing. Settlement occurs during our nightly update. All approved authorizations will be marked as ready for settlement. After this has finished, the settlement process will be initiated and all transactions that have been flagged for settlement will be transmitted to the authorization network. 10

11 Check Verification Processing After pressing enter from this screen, another screen will appear requiring additional information. 11

12 Automatic Check Entry If using a MICR check reader, control record ROISWCHK = Y, all you need to do is swipe the check and press Enter. If for some reason the reader is not working correctly the function for Manual Entry is available. 12

13 Manual Check Entry If not using a MICR check reader, control record ROISWCHK = N, you need to input the routing number of the bank, checking account number and check number manually. This screen is also used if the check reader is not working properly. 13

14 Control Keys ROIVERFY Y or N. Are you using the ROI Credit Card System for credit card authorization. Default N. ROISWIPE Y or N. Are you using a magnetic stripe reader to swipe the credit card information. Default N. ROIHOST Y or N. Are you using the Host capture method of settlement. Default Y. ROIMERID 12 digit Merchant ID. Contains the merchant id to use for settlement if only one settlement file it to be sent to your authorization network. If sending multiple settlement files this key is not needed. ROIUSRS1 User Id. First User Id to receive a message regarding a failed settlement batch. ROIUSRS2 User Id. Second User Id to receive a message regarding a failed settlement batch. ROIUSRS3 User Id. Third User Id to receive a message regarding a failed settlement batch. ROIUSRS4 User Id. Fourth User Id to receive a message regarding a failed settlement batch. ROIUSRS5 User Id. Fifth User Id to receive a message regarding a failed settlement batch. ROICHECK Y or N. Are you using the ROI System for check verification. Default N. ROISWCHK Y or N. Are you using a MICR check reader to swipe the check information. Default N. 14

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