VeriSign Payment Services

Size: px
Start display at page:

Download "VeriSign Payment Services"

Transcription

1 USER S GUIDE VeriSign Payment Services User s Guide for Payflow Link VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

2 VeriSign Payment Services User s Guide for Payflow Link Copyright VeriSign, Inc. All rights reserved. The information in this document belongs to VeriSign. It may not be used, reproduced or disclosed without the written approval of VeriSign. DISCLAIMER AND LIMITATION OF LIABILITY VeriSign, Inc. has made efforts to ensure the accuracy and completeness of the information in this document. However,VeriSign, Inc. makes no warranties of any kind (whether express, implied or statutory) with respect to the information contained herein.verisign, Inc. assumes no liability to any party for any loss or damage (whether direct or indirect) caused by any errors, omissions, or statements of any kind contained in this document. Further, VeriSign, Inc. assumes no liability arising from the application or use of the product or service described herein and specifically disclaims any representation that the products or services described herein do not infringe upon any existing or future intellectual property rights. Nothing herein grants the reader any license to make, use, or sell equipment or products constructed in accordance with this document. Finally, all rights and privileges related to any intellectual property right described herein are vested in the patent, trademark, or service mark owner, and no other person may exercise such rights without express permission, authority, or license secured from the patent, trademark, or service mark owner. VeriSign Inc. reserves the right to make changes to any information herein without further notice. TRADEMARKS VeriSign, the VeriSign logo, VeriSign Intelligence and Control Services, VeriSign Trust Network, Go Secure!, OnSite, and other trademarks, service marks, and logos are registered or unregistered trademarks of VeriSign and its subsidiaries in the United States and in foreign countries. Other trademarks and service marks in this document are the property of their respective owners. This document supports VeriSign Payment Services Version 3 and all subsequent releases unless otherwise indicated in a new edition or release notes. This document may describe features and/or functionality that are not present in your software or your service agreement. Contact your account representative to learn more about what is available with this VeriSign product. If you need help using this product, contact customer support Publication date: March 2005 ii VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

3 Summary of Revisions Summary of Revisions VeriSign Payment Services User s Guide for Payflow Link VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10 The following changes were made to this document since the last version: Throughout document Appendix A, Transaction Responses Appendix A, Transaction Responses Updated document cover and page layout. Added Support for FDMS North processor. Added support for AMEX APAC processor. Added two new RESULT codes (150 and 151) to Table A-2 on page 98. Redefined the format of a PNREF value (Payflow Pro), also referred to as a Transaction ID value (Payflow Link), to more accurately reflect the flexibility of its design to support future expansion. See PNREF Format on page 97. DOC-AFF-PMT-GID-0002/Rev. 9 The following changes have been made to this document since the last revision. CSC testing Reports chapter A CSC value of 000 returns a null value. See Testing Card Security Code (CSC) on page 47. Information on reports now appears in a separate (updated) chapter. See Chapter 7, Preparing Reports. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10 iii

4 VeriSign Payment Services User s Guide for Payflow Link iv VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

5 USER S GUIDE Contents + Summary of Revisions iii + Chapter 1 Introduction What is Payflow Link? Payflow Link Features How Payflow Link Works The Flow of the Payflow Link Order Processing Pages Overview: Integrating with Payflow Link Requirements for Using Payflow Link Payment Types, Credit Cards, and Processing Platforms Supported by Payflow Link Supported Payment Types Supported Credit Cards Supported Processing Platforms Shopping Carts that Support Payflow Link Integrated E-commerce Shopping Carts Contacting the Customer Support Group Intended Audience Electronic Check Transactions Structure of this Document Related Documents VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10 v

6 VeriSign Payment Services User s Guide for Payflow Link + Chapter 2 Configuring Payflow Link Opening the Edit Configuration Page Configuring Payflow Link Settings Complete the Form Configuration section 17 Complete the General Display Options section 19 Configuring the Appearance of the Order Processing Pages Configure the Receipt page 24 Configure options 25 Configure security options 27 Address Verification Service (AVS) Security Feature Card Security Code Validation Accepted URL Security Feature Chapter 3 Integrating Your Web Site with Payflow Link (Basic Integration) Example of a Simple Integration Payflow Link Transaction Types Chapter 4 Integrating Your Web Site with Payflow Link (Advanced Integration) Example of a Custom Integration Payflow Link Transaction Types Chapter 5 Testing Payflow Link Testing TeleCheck Transactions Testing Credit Card Transactions Verify that the Transaction Process Mode is set to TEST Performing Test Transactions Alternative Methods for Generating Specific Result Codes Testing Address Verification Service (AVS) Testing Card Security Code (CSC) Chapter 6 Activating Payflow Link Determining Whether Your Payflow Account is Currently Active vi VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

7 Contents Activating Your Payflow Account Chapter 7 Managing Payflow Link Management Tasks Available in VeriSign Manager 55 Generating Reports Viewing the Transaction Detail Page Chapter 8 Preparing Reports Working with Reports Report Formats Viewing Transaction Details Specifying Date Ranges for Reports Importing Report Data into Other Applications.. 64 Generating a Daily Activity Report Example Daily Activity Report: Summary Activity Report Example Daily Activity Report: Full-Detail Report 68 Generating a Transaction Summary Report Example Transaction Summary Report Generating a Custom Report Example Custom Report Generating a Settlement Report Example Settlement Report Generating a Shipping and Billing Report Example Shipping and Billing Report Generating a Batch Summary Report Example Batch Summary Report Generating a Batch Summary by Card Type Report Example Batch Summary by Card Type Report. 83 Generating a Payflow Link Order Report Example Payflow Link Order Report Example Payflow Link Order Detail Report Chapter 9 Integrating TeleCheck Transactions.87 Integrating Check Processing Enabling Customers to Specify the Payment Method VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10 vii

8 VeriSign Payment Services User s Guide for Payflow Link Data That You Must Post if You do not use Payflow Link s Order Form Transaction Results Returned for TeleCheck Transactions Testing TeleCheck Transactions Appendix A Transaction Responses Transaction Results Page Transaction Type Codes Transaction ID Value (Payflow Link Merchants) Transaction ID Format Transaction Result Codes PNREF Value (Payflow Pro Merchants) PNREF Format RESULT Codes and RESPMSG Values RESULT Values for Transaction Declines or Errors RESULT Values for Communications Errors AVS Result Codes CSC Result Codes CSC Results CVV2MATCH values Processors and Credit Cards Supporting CSC Appendix B Submitting Transaction Data to the Payflow Link Server About VeriSign s Transaction Database Collecting Customer Transaction Data, Option Using the Payflow Link Order Form Collecting Customer Transaction Data, Option Collecting Data on Your Web Page and Posting to the Payflow Link Server Optional Transaction Data Payflow Link Transaction Types Returning Data to Your Web Site Retaining Session Data and other Temporary Information Specifying How Data is Returned to Your Web Site viii VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

9 Contents Data Returned by the Post and Silent Post Features Values Returned When ECHODATA is False Values Returned When ECHODATA is True Parameters That Specify Payflow Link Operation Appendix C Frequently Asked Questions Using Payflow Link with other Applications How Payflow Link Works Using Payflow Link Appendix D About the Confirmation Messages Example Customer Message Example Merchant Message Fields Returned in the Confirmation Message Transaction Information Billing Information Shipping Information Additional Information VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10 ix

10 VeriSign Payment Services User s Guide for Payflow Link x VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

11 rte Chap CHAPTER 1 1Introduction IMPORTANT! This document is intended for merchants who do not subscribe to VeriSign s Fraud Protection Services. If you currently use Payflow Link and recently added a Fraud Protection Services package, then you must change your HTML code to send transaction data to a different Payflow Link URL. Do not use this document. Instead, use VeriSign Payment Services User s Guide for Payflow Link with Fraud Protection Services Payflow Link is the fast and easy way to add transaction processing to your Web site. With Payflow Link, your customers are linked to order forms on VeriSign s secure Web server where transactions are processed in real time. With Payflow Link s simple cut and paste integration, you can be up and running with a completely automated payment solution in a matter of hours. You can: + Customize the look and feel of your secure order forms to match the other pages on your Web site + Automatically send confirmation to customers + Post transaction data behind-the-scenes to your Web server + Take advantage of security features + Use VeriSign Manager to generate Payflow Link order reports and to view transaction reports. + Use the Buyer Authentication Service to protect your business from fraud. Tip If the topic of Internet payment transaction processing is new to you, then you can find help at VeriSign s Payment Service Web site at: VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10 1

12 VeriSign Payment Services User s Guide for Payflow Link CAUTION VeriSign recommends that you use VeriSign Manager to verify each order and the dollar amount of all Payflow Link transactions. It is your responsibility to protect your passwords and other confidential data and to implement security safeguards on your Web site and in your organization, or to ensure that your hosting company or internal Web operations team is implementing them on your behalf. You or your ISP/shopping cart provider should be able to adhere to security requirements as protective as those described at: In This Chapter What is Payflow Link? on page 2. How Payflow Link Works on page 4. Overview: Integrating with Payflow Link on page 7. Requirements for Using Payflow Link on page 8. Payment Types, Credit Cards, and Processing Platforms Supported by Payflow Link on page 9. Contacting the Customer Support Group on page 10. Intended Audience on page 10. Related Documents on page 12. What is Payflow Link? Payflow Link is a secure, VeriSign-hosted, HTTP-based Internet payment solution. It allows you (a merchant with an Internet merchant account) to securely connect your customers to VeriSign s secure server and use it to automate order acceptance, authorization, processing, and transaction management. Payflow Link is the choice for merchants who process low to moderate order quantities and prefer a solution that is especially easy to implement and maintain. Note If your Web site processes more than 500 transactions per month, you should consider using Payflow Pro, VeriSign s high performance Internet payment solution. Payflow Link Features + Easy to implement and use. VeriSign supplies you with the HTML code you need to get started. 2 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

13 Chapter 1 Introduction + Customizable to your Web site. You can customize the look and feel of the VeriSign-hosted order forms to reflect your Web site design. + Responsive and reliable. Payflow Link immediately advises customers whether their transaction was successful. + receipt notification. With approved transactions, Payflow Link can send an confirmation receipt to you and to your customers. + High security. All transactions processed on VeriSign-hosted forms occur over secure SSL connections. All certificates required to ensure both authentication and security are hosted by VeriSign. You can specify that only certain Web pages (for example, your e-commerce site) are valid entry points for the transaction processing pages. + Fraud protection. Payflow Link supports a large set of automated fraud protection tools, including Address Verification Service (AVS) and Card Security Code (CSC). + VeriSign Manager. The VeriSign Manager service enables you to manage your transactions with features like a transaction terminal, search tools, reports, and so on. + Access for offline orders. VeriSign Manager gives you the flexibility to process orders offline, including orders received by phone, fax, , or in person. IMPORTANT! Payflow Link is a single payment amount solution. If you want your customers to be able to order multiple items or quantities, you must develop a solution that calculates the total transaction amount based upon customer choices. If you do not have development staff, you could use a shopping cart that integrates Payflow Link. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10 3

14 VeriSign Payment Services User s Guide for Payflow Link How Payflow Link Works You insert a short bit of HTML text into your Web page. The code creates a Buy button on your Web page that links your customers to VeriSign s secure Payflow Link pages. Buyer selects items at your Web store and clicks the BUY button Buyer Internet Merchant Merchant Web Store One case Merchant Web Store Buyer is redirected to the secure Payflow Link forms $ BUY Thank you for your purchase. HTTPS Buyer is returned to your Web store 5 Secure Forms Hosted by VeriSign Order Info Invoice# Shipping Tax TOTAL $ Credit Card Info 3333 Number Exp Billing Info Name a ni Tnosnho J Address 32 1 Fou r rd a ti n AUTHORIZE Your Logo iv e Payflow Link connects with Processors, who perform real-time authorization 3 Internet-SSL uye r.com Credit Card Processors Transaction is processed 4 Your Acquiring Bank Buyer's money is transferred to your bank 6 $ Financial networks (Visa, MasterCard, AmEx, and so on) Buyer's Issuing Bank When your customers click the Buy button at your Web store, they are redirected to a sequence of secure Payflow Link order processing forms hosted on the VeriSign Payment Services servers. All forms except the Receipt form are optional. Using the Payflow Link configuration page, you specify the content of these forms and configure their appearance to reflect the look and feel of your Web store (including your logo). When the customer submits the Payflow Link order form, VeriSign acts as the gateway to the transaction processing networks (much like the swipe machine for physical credit cards). Once the transaction is processed, the customer is returned to your site (or to any URL that you specify). You can configure Payflow Link to send both you and your customer receipts. You can also configure Payflow Link to return transaction data to your site. Note As a security measure, if a customer makes five invalid purchase attempts, access to Payflow Link is disabled. The customer must exit the Web site and attempt the purchase again. For more information on the payment processing cycle, see 4 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

15 Chapter 1 Introduction The Flow of the Payflow Link Order Processing Pages The following example pages appear in the order shown here. You can configure the pages to include different or additional information. Form 1: (Optional) Credit Card Information If your Web site does not collect the credit card number, then the Credit Card Information page opens to enable the customer to enter the account information. The benefit of using this page is that you do not have to invest in the security infrastructure required to accept account information at your site. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10 5

16 VeriSign Payment Services User s Guide for Payflow Link Form 2: Order The Order form enables the customer to enter any additional order data on Payflow Link s secure servers. You have the option to eliminate this page and pass the transaction data directly to the Payflow Link server. In this example, the merchant added their logo to the form. To improve the customer experience and to foster trust, VeriSign strongly recommends that you add your logo to the pages and customize the color scheme to match your Web store pages. Instructions appear in the next chapter. 6 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

17 Chapter 1 Introduction Form 3: Confirmation The Confirmation page enables the customer to verify and submit the order. Form 4: Receipt The Receipt page presents a summary of the transaction and returns the customer to the URL that you specify (typically your Web store). Optionally, you can specify that Payflow Link should perform an HTML Post operation to send the transaction data to your Web server. This is the only Payflow Link page that you must present to the customer. Overview: Integrating with Payflow Link You follow these steps to integrate your Web store with Payflow Link: 1 Register for a Payflow Link account and apply for an Internet Merchant account at 2 Configure Payflow Link. Specify the appearance and content of your VeriSign-hosted order processing forms. This procedure is described in Chapter 2, Configuring Payflow Link. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10 7

18 VeriSign Payment Services User s Guide for Payflow Link 3 Connect your Web store to the Payflow Link service: Paste a few lines of HTML text into your Web page. This HTML code passes your customer (and the transaction data) to VeriSign s Payflow Link server for transaction processing. This step is described in Chapter 3, Integrating Your Web Site with Payflow Link (Basic Integration). 4 Test Payflow Link before you activate your Web store for customer use. This step is described in Chapter 5, Testing Payflow Link. 5 Activate your account to go live. This step is described in Chapter 6, Activating Payflow Link. Requirements for Using Payflow Link To use Payflow Link, you must have the following: + Web page. You must have a Web page for your e-commerce business. You must also be able to upload changes to your Web site. + Internet Service Provider. An ISP must host your Web site. + A basic text editor or HTML editor. You will use the editor to add the HTML text that links your site to Payflow Link. + Web browser. You must have Internet Explorer 3.0 (or newer) or Netscape 4.0 (or newer) to access the VeriSign Manager administrative Web site. + Internet Merchant Account. You must have an Internet Merchant account before you can begin accepting payments at your Web site. VeriSign has partnered with several Internet Merchant account providers to make applying easy. See + Your Web page must calculate the total transaction amount. Payflow Link enables your customers to process a single transaction amount. Payflow Link does not calculate the transaction amount based on customer selections. To enable customers to order multiple items or quantities, you must develop a solution that dynamically calculates the total transaction amount based upon customer selections in your Web store. Your code then passes the total transaction amount to the Payflow Link server. VeriSign provides simple HTML code that passes the amount, as described in Chapter 3, Integrating Your Web Site with Payflow Link (Basic Integration). 8 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

19 Chapter 1 Introduction Payment Types, Credit Cards, and Processing Platforms Supported by Payflow Link Supported Payment Types Payflow Link supports the following tender types: Credit cards Check/debit cards issued by MasterCard or Visa TeleCheck electronic checks Supported Credit Cards Payflow Link supports the following credit cards: American Express/Optima Diners Club Discover/Novus JCB MasterCard Visa Supported Processing Platforms Payflow Link supports the following processing platforms: American Express Phoenix American Express APAC First Data Merchant Services (FDMS) Nashville First Data Merchant Services (FDMS) North First Data Merchant Services (FDMS) South First Data Resources (FDR) Australia Global Payments Central Global Payments East Nova Paymentech New Hampshire TeleCheck Vital Shopping Carts that Support Payflow Link For a list of supported shopping carts, see: VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10 9

20 VeriSign Payment Services User s Guide for Payflow Link Integrated E-commerce Shopping Carts Payflow Link is pre-integrated with the e-commerce shopping carts listed at VeriSign continuously works to integrate new shopping carts with its products. If a shopping cart of interest does not appear in the list, contact us to see if it is in process of being integrated. Note For technical support on shopping carts, please contact the vendor. Contacting the Customer Support Group When you purchase Payflow Link, VeriSign provides telephone-based customer support. Support during your initial integration phase is available by phone Monday through Friday between 8 AM and 6 PM Pacific Time. Once your account is integrated with your Web store, VeriSign provides free support 24 hours per day, 7 days per week. For integration and connectivity issues, VeriSign provides online documentation, direct support, and phone support. For technical support on shopping carts, please contact the vendor. VeriSign is committed to providing you with the most advanced technical support expertise to ensure availability and reliability of your e-commerce applications. Online Info: This site offers an FAQ (frequently asked question) section Phone: Intended Audience This document is intended for merchants that will integrate Payflow Link with their e-commerce Web site. The documentation first describes a simple implementation that gets you up and running quickly. More complex solutions are described in later chapters. 10 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

21 Chapter 1 Introduction Electronic Check Transactions Because most Payflow Link users process credit card transactions, this document generally discusses such transactions. Electronic check transactions processed by TeleCheck are fully supported by Payflow Link. A full description of TeleCheck transaction processing appears in Chapter 9, Integrating TeleCheck Transactions. Structure of this Document + Chapter 2, Configuring Payflow Link, describes the process of specifying the appearance and customer-provided data of your VeriSign-hosted order processing forms. + Chapter 3, Integrating Your Web Site with Payflow Link (Basic Integration), describes the process of customizing and adding HTML text into your Web page. This HTML code passes your customer (and a set of data) to VeriSign s Payflow Link server for transaction processing. + Chapter 4, Integrating Your Web Site with Payflow Link (Advanced Integration), describes a more sophisticated integration between your Web store and Payflow Link. + Chapter 5, Testing Payflow Link, describes the process that you follow to test your Payflow Link integration and to verify that it is operating correctly. + Chapter 6, Activating Payflow Link, provides instructions on activating your Payflow Link account and changing the appropriate configuration settings. + Chapter 7, Managing Payflow Link, provides an overview of basic VeriSign Manager tasks. + Chapter 7, Preparing Reports, provides instructions on reviewing Payflow Link reports using VeriSign Manager. + Chapter 9, Integrating TeleCheck Transactions, provides instructions on enabling TeleCheck transactions for your customers. + Appendix A, Transaction Responses, provides reference material on the transaction response information in reports. + Appendix B, Submitting Transaction Data to the Payflow Link Server, provides guidance for those who wish to develop more complex interactions between their Web page and Payflow Link. + Appendix C, Frequently Asked Questions, provides answers to frequently asked questions. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

22 VeriSign Payment Services User s Guide for Payflow Link + Appendix D, About the Confirmation Messages, describes the content of the optional confirmation (as introduced in Configure options on page 25). Related Documents VeriSign Fraud Protection Service Guide describes the tools you can use to protect your account from fraud. VeriSign Manager User s Guide describes the use of VeriSign Manager the Web-based administration tool that you use to process transactions manually, issue credits, generate reports, and configure Payflow Link. 12 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

23 rte Chap CHAPTER 2 2Configuring Payflow Link Once you have registered for a Payflow Link account, your first step is to configure Payflow Link using the VeriSign Manager application. Using VeriSign Manager, you specify the appearance and content of your VeriSign-hosted order processing forms. In addition, you have the option to specify which fields your customers need to fill in, and how transaction data is passed and posted to scripts on your Web site. To configure Payflow Link, you open the VeriSign Manager to the Edit Configuration page and then specify your preferred values, as follows: Opening the Edit Configuration Page 1 Open the (SSL-secured) VeriSign Manager Login page at The name of your Partner was provided to you by your VeriSign Reseller. If you registered with VeriSign directly, enter VeriSign. Enter the Login for your organization that you chose during registration. Enter your User name. The VeriSign Manager Administrator assigns a User name to each person who uses VeriSign Manager. Enter the Password that you chose during registration. Click Login. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

24 VeriSign Payment Services User s Guide for Payflow Link 2 Enter the name of your Partner provided to you by your VeriSign Reseller. If you registered with VeriSign directly, enter VeriSign. 3 Enter the Merchant name for your organization that you chose during registration. 4 Enter your User name. The VeriSign Manager Administrator assigns a User name to each person who uses VeriSign Manager. 5 Enter the Password that you chose during registration. 6 Click Login. 7 VeriSign Manager opens. Click Account Info on the menu bar. 14 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

25 Chapter 2 Configuring Payflow Link 8 The Account Information page opens. Click Payflow Link Info. If the Payflow Link Info link does not appear, contact Customer Support. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

26 VeriSign Payment Services User s Guide for Payflow Link The Edit Configuration page opens. The remaining steps describe how to fill in the sections of the Edit Configuration page. Click any underlined field name for a complete description. Described in Step 1, Complete the Form Configuration section on page 17. Described in Step 2, Complete the General Display Options section on page 19. Described in Step 3, Configure the Receipt page on page 24.\ Described in Step 4, Configure options on page 25. Described in Step 5, Configure security options on page VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

27 Chapter 2 Configuring Payflow Link Configuring Payflow Link Settings To configure Payflow Link, you specify configuration settings in the Edit Configuration page. To view online help for any configuration field, click the field name. VeriSign recommends for your first pass that you create a minimum configuration using a TEST environment. You can re-open the Edit Configuration page and make improvements to the forms as often as you like be sure to save your configuration changes each time that you make changes. Once the pages meet your requirements, you can move your account to LIVE status, as described in Chapter 6, Activating Payflow Link. Any configuration that you perform on Payflow Link in TEST mode carries over directly to your live account settings. Note Quotation marks ( ) and the ampersand (&) character are not allowed in most configuration fields. You can use these characters only in the Receipt Text, Text, Merchant Display Name, and Receipt Footer fields. The ampersand (&) character can be used in URLs, for example, the Return URL, Silent Post URL, and Forced Silent Post URL. Step 1 Complete the Form Configuration section The Form Configuration section enables you to specify the URL to which customers return, required and optional fields that should appear on the Payflow Link forms, and how data is handled upon completion of a transaction. The Form Configuration section contains the following configurable fields: VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

28 VeriSign Payment Services User s Guide for Payflow Link Return URL Method. Specify what should happen when the customer clicks the Continue button on the Receipt page. This action applies to successful transactions only. Specify one of the following values: + Link: Returns the customer to the Web site that you specify in the Return URL field (typically your merchant Web site). Note Link is the default setting and is strongly recommended for merchants new to HTML. This setting returns the customer to the specified site. No additional transaction data is posted if this option is specified. + Post: Returns the customer and transaction data to the Web site that you specify in the Return URL field. This option is typically used by experienced HTML/CGI developers to collect the information that was submitted on the VeriSign-hosted Order form. For more detailed information on Post, see Specifying How Data is Returned to Your Web Site on page 120 in Appendix B. Return URL. Enter the URL of the Web site to which customers should be sent upon clicking the Continue button on the Receipt page. This URL is typically your merchant site. If you do not specify a URL, then the Continue button does not appear on the Receipt page. Silent Post URL. Select the Silent Post URL box and enter the URL in the text field to specify the URL to which transaction data should be posted in the background (invisible to the customer) after transaction processing. For more detailed information on Return Post and Silent Post, see Specifying How Data is Returned to Your Web Site on page 120 in Appendix B. Force Silent Post Confirmation. This option is used in conjunction with Silent Post it causes Payflow Link to verify that the Silent Post data was received by your Web site. If your server does not acknowledge receipt of the Silent Post data, then Payflow Link voids the transaction. Tip Even if you use Silent Post Confirmation to monitor sales, you should always verify transaction data in the Payflow Link Orders report, described on page 112. Failed Silent Post Return URL. Specify where customers go if their transactions are voided by the Force Silent Post feature. This value is required if you specified Force Silent Post Confirmation. 18 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

29 Chapter 2 Configuring Payflow Link Required Fields. The fields listed in this section represent information that you collect from the customer. A check mark specifies that the field is required the customer will not be allowed to continue with the transaction until the field is filled in. If you specify that a field is required, then you must do either of the following: + Pass the data from your Web page to populate the field. + Specify that the field is Editable in the next step. Editable Fields. A check mark specifies that the field can be edited by the customer. Transaction Process Mode. Specify whether you want to conduct simulated or real transactions. + TEST: Transactions are handled through the test servers to enable you to verify and fine-tune system operation. Note VeriSign strongly urges that you operate in TEST mode and verify the operation of your account before you activate your account. See Chapter 5, Testing Payflow Link, for details. + LIVE: Real financial transactions are performed through the VeriSign transaction servers. This option appears only if you have activated your account. Chapter 6, Activating Payflow Link, describes the full procedure for activating your account. Step 2 Complete the General Display Options section The General Display Options section enables you to configure the appearance of the order processing forms. You can display your organization s name and logo and specify the colors to be used on the forms. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

30 VeriSign Payment Services User s Guide for Payflow Link Tip VeriSign strongly recommends that you add your logo to the pages and customize the color scheme to match your Web store pages. These actions help to support the customer s sense of security when using the Payflow Link forms. For initial testing, or to implement the simplest possible solution, you can safely skip this step no special graphics or colors will appear on the order forms, and default settings will be used. Specify whether the forms should be aligned with the left margin or should be centered in the Web page. Click this button to configure colors on the forms, and to specify a logo to appear on all forms, as described in Configuring the Appearance of the Order Processing Pages on page 21. Enter the text (up to 63 characters) that will appear in the following locations: Browser title area for all forms At the top of all forms (unless you specify a logo) On receipts 20 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

31 Chapter 2 Configuring Payflow Link Configuring the Appearance of the Order Processing Pages You have the option to specify the colors of the various parts of the processing forms and the color of the text on the forms, and to specify background and logo graphics. This example form shows the attributes that you can configure. Logo or Merchant Display Name text (described in Step 2, Complete the General Display Options section on page 19) Page background color or graphic image Header color Header font color Sidebar font color Body font color Sidebar color Body color Follow these steps to configure forms: 1 In the General Display Options section, click the Click to Configure button to open the Configure Your Transaction Pages page. 2 Select colors to appear on the forms. You can specify colors of both the body and text for headers, body of the page, sidebars, and footers, as shown in the Preview area. To change a color, click a field and then click a color in the color chart or enter a hexadecimal ASCII color number. At any time, click the Preview button VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

32 VeriSign Payment Services User s Guide for Payflow Link to view your color and graphical selections in the Preview area. To return to the default values or to the values that you last saved, click Reset. The Transparency option causes the item s color to be 50% transparent to reveal the background image or the page background color that you choose. Preview button Preview area Described in step 3 on page 23. Described in step 4 on page 23. Click any link for online help. 22 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

33 Chapter 2 Configuring Payflow Link 3 To upload a logo graphic to appear at the top of the forms, click Change Logo. The Upload Logo Image page opens. Note: If you both enter a merchant display name and upload a logo, only the logo image appears. The logo file should be a transparent GIF or JPG image less than 100K, with a resolution of 72 dpi, and maximum dimensions of 250 pixels wide by 65 pixels high. Select the file on your local system, then click Submit. To remove a logo, click Delete Logo Image, and then click Submit. 4 To upload a graphic to appear as the background for the forms, click Change Background. The Upload Background Image page opens. Note: If you both choose a page background color and upload a background graphic, only the background graphic appears. 5 The background file should be a GIF or JPG image. Select the file on your local computer and then click Submit. To remove a background image, click Delete Background Image and then click Submit. 6 Click Save to save your settings. You can reconfigure the order processing forms at any time be sure to save any changes. 7 Click Close to return to the Edit Configuration page. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

34 VeriSign Payment Services User s Guide for Payflow Link Step 3 Configure the Receipt page The Receipt Display Options section enables you to customize the Receipt page that customers see after a transaction has been successfully processed. Enter the text as it should appear on the Receipt page. To cause a new line of text, enter the characters </br> at the end of the previous line. (See the footer text in the example.) All fields are optional. Tip For initial testing, or to implement the simplest possible solution, you can safely skip this step no custom text will appear on the receipt page. 1 Specify the Receipt Header Text (up to 511 characters). 2 Specify a Receipt Footer Text (up to 511 characters). 24 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

35 Chapter 2 Configuring Payflow Link 3 Specify up to 32 characters for the Receipt Button Text. This button returns your customer to the Web site that you specified in the Form Configuration section (Step 1 on page 17). This example Receipt page shows the resulting text. Step 4 Configure options You have the option to send the customer receipts for each successful transaction. You specify the sender's address and the text that appears in the message. You also have the option to send the messages to yourself. An example message appears in Example Customer Message on page 132. Note VeriSign Payment Services generates the message on your behalf. However, the message does not appear in your Sent Items folder, nor is the message accessible to you unless you request a copy as described below. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

36 VeriSign Payment Services User s Guide for Payflow Link To send an receipt to the customer 1 Select YES for Receipt to Customer. 2 from Merchant Address: Enter the address from which the should appear to come (typically the address of a person or staff that can provide customer support). 3 Optional: Header Text: Enter up to 510 characters to display at the top of the message. 4 Optional: Footer Text: Enter up to 510 characters to display at the bottom of the message. To send order confirmation to your organization Fill in the fields as follows: 1 to Merchant Address: Enter the address to which messages confirming successful transactions should be sent. Leave this field blank if no confirmation should be sent. 2 Optional: to Merchant Address (copy): If desired, enter a second address for successful transaction confirmation s. 26 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

37 Chapter 2 Configuring Payflow Link Step 5 Configure security options Payflow Link enables you to configure the AVS, CSC, and Accepted URL security features. CAUTION It is your responsibility to protect your passwords and other confidential data and to implement security safeguards on your Web site and in your organization, or to ensure that your hosting company or internal Web operations team is implementing them on your behalf. You or your ISP/shopping cart provider should be able to adhere to security requirements as protective as those described at: Address Verification Service (AVS) Security Feature The Address Verification Service (AVS) compares the submitted street number and ZIP code with the values on file at the cardholder s bank. A separate Y, N, or X is returned for the customer s street number and ZIP code. Y = match, N = no match, X = cardholder s bank does not support AVS. Note AVS checks only for a street number match, not a street name match, so 123 Main Street returns the same response as 123 Elm Street. AVS is supported by most US banks and some international banks. Processing Platforms Supporting AVS VeriSign supports AVS as listed in the following table. Processing Platform American Express Discover MasterCard Visa American Express Phoenix VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

38 VeriSign Payment Services User s Guide for Payflow Link Processing Platform American Express Discover MasterCard Visa American Express APAC FDMS Nashville FDMS North FDMS South Global Payments Central Global Payments East Norwest Nova Paymentech New Hampshire Vital Wells Fargo Bank To specify the level of AVS checking Note AVS does not operate for accounts in TEST mode. In TEST mode, you must specify No or Light. If you specify Full or Medium, all transactions are declined. For manual transactions performed from VeriSign Manager, AVS responses are returned, but the actions specified by the Payflow Link AVS setting (accept, decline, and so on) are not taken. Select one of the following values in the AVS field: + No: This is the default setting: Accept the transaction regardless of the AVS response. + Full: Accept the transaction only if a value of YY is returned (Y for street number and Y for ZIP code). If the bank does not return YY, then VeriSign voids the transaction and the customer is declined. + Medium: Accept the transaction only if at least one Y is returned. If the bank does not return YY, YN, YX, NY, or XY, then VeriSign voids the transaction and the customer is declined. 28 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

39 Chapter 2 Configuring Payflow Link + Light: Accept the transaction for all return values except NN. If the bank does not return NN, then the transaction is approved. This table summarizes AVS levels: AVS Setting Allowed Responses Full (Y, Y) Medium (Y, Y), (Y, N), (Y, X), (N, Y), (X, Y) Light (Y, Y), (Y, N), (Y, X), (N, Y), (X, Y), (N, X), (X, N) Using the Silent Post feature with AVS If you are using AVS checking and the Silent Post feature, then you can identify which transactions have been voided by looking for the following values: RESPMSG = AVSDECLINED and Result = 0. Card Security Code Validation The card security code (CSC) is a 3- or 4-digit number (not part of the credit card number) that appears on credit card. The customer enters the CSC on the Order Information form. Because the CSC appears only on the card and not on receipts or statements, the CSC provides some assurance that the physical card is in the possession of the buyer. About CSC The CSC appears on the back of most cards (usually in the signature field). All or part of the card number appears before the CSC (567 in the example). For American Express, the 4-digit number (1122 in the example) is printed on the front of the card, above and to the right of the embossed account number. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

40 VeriSign Payment Services User s Guide for Payflow Link If the buyer submits the CSC on the Order form, the cardholder s bank returns a Yes/No response on whether the value matches the number on file at the bank. Payflow Link accepts or rejects orders based on this information. The bank returns one of the following values: Y = The submitted value matches the data on file. N = The submitted value does not match the data on file. X = The cardholder s bank does not support this service. Processing Platforms and Credit Cards that Support CSC VeriSign supports CSC validation services as listed in the following table. Processing Platform American Express Discover MasterCard Visa American Express Phoenix American Express APAC FDMS Nashville FDMS North FDMS South Global Payments Central Global Payments East Norwest Nova Paymentech New Hampshire Vital Even though your processor may be certified for CSC, they may not be certified for all card types (for example, American Express (CID), or Discover). The list will change as VeriSign continues to enhance its service offering. See for the latest information. 30 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

41 Chapter 2 Configuring Payflow Link Special Case: American Express To enable the account to accept the CSC code, you must send an request to Once American Express has approved the request and has activated CSC for the you, you can begin passing CSC data and receiving the Y, N, or X responses. If you attempt to send CSC data without having requested setup, American Express does not send a response. Configuring CSC Specify one of the following settings in the CSC field on the Edit Configuration page, as described in Step 1, Complete the Form Configuration section on page 17: No: This is the default setting: Approve the transaction regardless of the response. Full: Accept the transaction only if Y is returned. If N or X is returned, then void the transaction and send a declined message to the customer. Light: Accept the transaction only if Y or X is returned. If N is returned, then void the transaction and send a declined message to the customer. If you specify Light or Full, then you must set the CSC field (on the Form Configuration section of the Edit Configuration page) as Required. In addition, you must either set the field as Editable or pass the data from your Web page to pre-fill the field on the Order form. See Required Fields on page 19. Using the Silent Post feature with CSC If you have specified Silent Post, then, for voided transactions, Payflow Link returns the PNREF, a transaction type of V, and a response message of RESPMSG=CSCDECLINED. Accepted URL Security Feature The Accepted URL security feature stops fraudsters from changing the dollar value of amounts being passed to or from Payflow Link. When a customer places an order, Payflow Link compares the originating Web site against the domain names that you specify in the Accepted URL fields (typically, your Web store). If the Web site from which the transaction originates is not one of the specified domains, then the order is rejected. CAUTION The Accepted URL feature is designed to assist you, but is not a strong anti-fraud tool. If you are concerned about this issue, be sure to use VeriSign Manager to verify the dollar amount of each transaction. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

42 VeriSign Payment Services User s Guide for Payflow Link To Restrict Web sites from which a customer can be linked to Payflow Link These are optional fields. Leave these fields blank if you do not want to enforce domain-checking security. CAUTION If you leave the Accepted URL fields blank, Payflow Link will not authenticate the originating URL. This means that, even though you are a registered Payflow Link user, your URL is not automatically protected with domain-checking security. In the Accepted URL fields, enter up to five URLs from which Payflow Link should accept orders (that is, the URL from which the HTML Post operation originates). These are typically your Web store address, a specific page on your Web store, or specific servers for your Web store. If someone attempts to post from a URL not specified in this list, Payflow Link rejects the order. Be sure to enter a valid URL prefixed with For example: This feature does not support (sites using SSL encryption). Tip You can specify a domain name in the Edit Configuration page such as to enable Payflow Link to accept orders from the same domain name with a path reference. For example, If you specify a path like however, Payflow Link will decline orders from Step 6 Save your configuration settings Click Save Changes (at the bottom of the Edit Configuration page) to implement the changes that you made. CAUTION If you leave the Edit Configuration page without clicking Save Changes, your changes are lost. 32 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

43 rte Chap CHAPTER 3 3Integrating Your Web Site with Payflow Link (Basic Integration) This chapter provides full instructions for a simple integration option that enables you to begin to process transactions using Payflow Link in about an hour. IMPORTANT! VeriSign strongly recommends that you implement this minimum integration to familiarize yourself with Payflow Link operation before implementing a more customized integration. To implement a more robust implementation that customizes the customer s purchase experience, you can add data fields to the Payflow Link pages or eliminate the pages by collecting transaction data at your Web store and posting the data to the Payflow Link server. For more information on taking advantage of Payflow Link s advanced integration capabilities, see Chapter 4, Integrating Your Web Site with Payflow Link (Advanced Integration). Note Payflow Link enables your customers to process a single transaction amount. Payflow Link does not calculate the transaction amount based on customer selections. To enable customers to order multiple items or quantities, you must develop a solution that calculates the total transaction amount based upon customer selections in your Web store. Your code must then pass the total transaction amount to the Payflow Link server as described in this chapter. Example of a Simple Integration To connect your Web site to Payflow Link, you enter a few lines of HTML text into your store s Web page. In that text, you specify your Payflow account information and the amount and type of transaction. That s it! As a result, a Buy button appears on your Web page (you can specify the text that appears on the button). When a customer clicks the button, their browser displays the VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

44 VeriSign Payment Services User s Guide for Payflow Link VeriSign-hosted pages, from which they submit the transaction. Upon closing the Receipt page, the customer is returned to your Web site. Follow these steps: 1 Copy and paste the following text into a text editor. (If you are viewing this document online, use the Adobe Acrobat Reader Text tool to select the text and click Ctrl-C to copy and Ctrl-V to paste it into the text editor.) <form method="post" action=" <input type="hidden" name="login" value="your LOGIN here"> <input type="hidden" name="partner" value="your PARTNER here"> <input type="hidden" name="amount" value="total transaction AMOUNT here"> <input type="hidden" name="type" value="transaction TYPE here"> <input type="submit" value="click here to Purchase"> </form> 2 Replace the bold text with actual values for the LOGIN, PARTNER, AMOUNT, and TYPE parameters, as follows: LOGIN: The login name that you chose for your Payflow account. PARTNER: The name of your Partner was provided to you by your VeriSign Reseller. If you registered with VeriSign directly, enter VeriSign. AMOUNT: Total amount of the transaction. The value must be greater than TYPE: A single letter that identifies the type of transaction (S: Sale or A: Authorization). Transaction types are described on page 35. Be sure to change only the text shown in bold in the example text. Leave the quotation marks ( ) in place. In the following example, the LOGIN parameter has the value BeachBums, PARTNER is VeriSign, AMOUNT is 37.95, and TYPE has the value S (representing a Sale transaction type). 34 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

45 Chapter 3 Integrating Your Web Site with Payflow Link (Basic Integration) The values shown in the example implement the purchase of a standard item or set of items (in the example, a case of each balls) for $ In addition, the example code adds the following button to your Web page: 3 Save the file and insert the HTML text into your Web page at the point where Payflow Link should complete the transaction. 4 Your next step is to open your Web page and test the button to ensure that it opens the VeriSign transaction pages and performs the transaction properly. See Chapter 5, Testing Payflow Link, for complete instructions. Payflow Link Transaction Types Payflow Link supports the following transaction types: Type Code Table 3-1 Transaction types Transaction Name S Sale / Payment Description Charges the specified amount against the account, and marks the transaction for immediate funds transfer (capture) during the next settlement period. VeriSign performs settlement on a daily basis. A Authorization A request to charge a cardholder. An Authorization reduces the cardholder s open-to-buy (credit card limit), but does not actually capture the funds. Merchants who do not ship goods immediately should use this transaction type. To actually charge the account and transfer the funds (settle the Authorization), you submit a Delayed Capture transaction using VeriSign Manager. If the Authorization is not settled within a certain period (determined by the issuing bank), it is deleted. The cardholder s open-to-buy is typically cleared in 5 to 7 days. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

46 VeriSign Payment Services User s Guide for Payflow Link 36 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

47 rte Chap CHAPTER 4 4Integrating Your Web Site with Payflow Link (Advanced Integration) you have HTML knowledge or Web development skills, you can create more customized Payflow Link integrations by starting with the code described in this chapter. VeriSign strongly recommends that before you implement the integration described in this chapter, you familiarize yourself with Payflow Link operation by implementing the simple integration described in Chapter 3, Integrating Your Web Site with Payflow Link (Basic Integration). Note Payflow Link enables your customers to process a single transaction amount. Payflow Link does not calculate the transaction amount based on customer selections. To enable customers to order multiple items or quantities, you must develop a solution that calculates the total transaction amount based upon customer selections in your Web store. Your code must then pass the total transaction amount to the Payflow Link server as described in this chapter. Example of a Custom Integration You may choose to collect detailed transaction data on your Web store and then pass the information to Payflow Link. Payflow Link accepts optional data fields that customize the purchase process. This enables either of the following options: + Collect all billing information on your forms and pass it to VeriSign. The only data left for the customer to enter (on the secure VeriSign-hosted Credit Card Information form) is the credit card information. + Collect all billing and credit card information on your forms and pass the data to VeriSign. This enables you to disable all VeriSign-hosted pages (except the required Receipt page). VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

48 VeriSign Payment Services User s Guide for Payflow Link CAUTION If you plan to collect credit card information on your Web site, VeriSign strongly recommends that you secure your Web site. For more information, visit Example HTML Code The following example collects purchase data on your form. When a customer enters data and clicks the button, the code sends the data to the Payflow Link server and opens the VeriSign-hosted Credit Card Information form. <form method="post" action=" <!-- The following fields are required: --> <input type="hidden" name="login" value="your LOGIN here"> <input type="hidden" name="partner" value="your PARTNER here"> <input type="hidden" name="amount" value="total transaction amount here"> <input type="hidden" name="type" value="valid transaction type here"> <!-- See Payflow Link Transaction Types on page 39 for the list of valid transaction types. --> <!-- The following fields are optional--you can choose these or others: --> <input type="hidden" name="description" value="order description here"> <input type="hidden" name="name" value="billing name here"> <input type="hidden" name="address" value="billing address here"> <input type="hidden" name="city" value="billing city here"> <input type="hidden" name="state" value="billing state here"> <input type="hidden" name="zip" value="billing zip here"> <input type="hidden" name="country" value="billing country here"> <input type="hidden" name="phone" value="billing phone here"> <input type="hidden" name="fax" value="billing fax here"> <p>enter your Customer ID Number <input type="text" name="user1" size="12"></p> <p>select the form of payment <select name="method" size="1"> <option selected value="cc">credit Card</option> <option value="echeck">telecheck</option></select></p> <p><input type="submit" value="click Here to Purchase"></p> </form> Tip The example code shows a representative list of fields. You can further customize the code provided in this example by using fields described in Appendix B, Submitting Transaction Data to the Payflow Link Server. Passing Transaction Data to Payflow Link If you are collecting transaction data on your forms, you must write a script that passes the data to the Payflow Link HTML code. Alternatively, you can collect data by changing the fields from hidden fields to text fields. Instead of <input type="hidden"...>, use <input type="text"...>. This creates text 38 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

49 Chapter 4 Integrating Your Web Site with Payflow Link (Advanced Integration) boxes into which customers can enter information. The data is passed to VeriSign when the customer submits the order. Payflow Link Transaction Types Payflow Link supports the following transaction types: Table 4-1 Transaction types Type Code Transaction Name Description S Sale / Payment Charges the specified amount against the account, and marks the transaction for immediate funds transfer (capture) during the next settlement period. VeriSign performs settlement on a daily basis. A Authorization A request to charge a cardholder. An approved Authorization transaction reduces the cardholder s open-to-buy amount (the amount that can currently be charged against the account), but does not actually capture the funds. You must submit a Delayed Capture transaction to capture (settle) the funds set aside by the approved Authorization. If an approved Authorization is not settled within a certain period (determined by the issuing bank), it is cleared (can no longer be settled). The cardholder s open-to-buy is typically cleared in 5 to 7 days. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

50 VeriSign Payment Services User s Guide for Payflow Link 40 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

51 rte Chap CHAPTER 5 5Testing Payflow Link In Chapter 3, Integrating Your Web Site with Payflow Link (Basic Integration), you entered HTML code to connect your Web site to Payflow Link. Before you activate your Web store for customer use, you should test Payflow Link to verify proper operation. VeriSign s test server enables you to simulate transactions on your Web site and ensure that they are submitted correctly. Transactions are handled through a test system and no actual funds are exchanged. This chapter describes the process that you follow to test your Payflow Link integration and to verify that it is operating correctly. Note New Payflow accounts include a Trial version of the Fraud Protection Services at no charge. This means that you might encounter Result 126 for transactions that triggered the test Fraud Protection filters. Result 126 is intended to give you an idea of the kind of transaction that is considered suspicious so you can evaluate whether you can benefit from using the Fraud Protection Services. For more information, see the chapter entitled Assessing Transactions that Triggered Filters in VeriSign User s Guide for Payflow Link with Fraud Protection Services. In This Chapter Testing TeleCheck Transactions on page 41 Testing Credit Card Transactions on page 42 Testing Address Verification Service (AVS) on page 47 Testing Card Security Code (CSC) on page 47 Testing TeleCheck Transactions Testing TeleCheck Transactions on page 90 provides guidance on simulating TeleCheck transactions. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

52 VeriSign Payment Services User s Guide for Payflow Link Testing Credit Card Transactions Follow these steps to test the integration between your Web page and Payflow Link: Verify that the Transaction Process Mode is set to TEST Before you can begin simulating transactions, you must first ensure that the Transaction Process Mode is set to TEST so that no funds are transferred. Follow these steps: 1 Open VeriSign Manager to the Edit Configuration page, as described on page 13. Select TEST in the Transaction Process Mode field. Select NO or Light in the AVS field. 42 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

53 Chapter 5 Testing Payflow Link 2 Click the Save Changes button. Your account now connects with VeriSign s test servers so that you can safely run simulated transactions. Note Test Transactions are processed through VeriSign s simulated payment network to enable you to test Payflow Link no money changes hands. You must activate your account and set Transaction Process Mode to LIVE before accepting real orders. Performing Test Transactions To perform test transactions, perform the purchase process from your Web site as described here. Verify that the transactions are approved, declined, or referred as is appropriate. Testing Guidelines + VeriSign provides test card numbers. Other numbers produce an error. + Expiration Date must be a valid date in the future (use the mm/yy format). + To view the credit card processor that you have selected for testing, see Account Info Processor Info in VeriSign Manager. Credit Card Numbers Used for Testing Use the following card numbers for testing. Any other card number produces a Live card used on test system error message or Result 23 Invalid Account Number. American Express American Express Amex Corporate Diners Club Diners Club Discover Discover MasterCard MasterCard Visa Visa VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

54 VeriSign Payment Services User s Guide for Payflow Link Visa Processor-specific Cards Switch/Solo (Paymentech) VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

55 Chapter 5 Testing Payflow Link Testing Result Code Responses You can use the amount of the transaction to generate a particular Result code. Note Transaction Result Codes on page 96 describes each transaction Result code. Chapter 7, Preparing Reports, describes reports that display transaction details. Table 5-1 lists the general guidelines for specifying amounts. Table 5-1 lists VeriSign result codes that are supported by this testing mechanism. Table 5-1 Result codes resulting from amount submitted Amount Result $0 $ (Approved) $1001 $2000 Certain amounts in this range will return specific VeriSign result codes, and can be generated by adding $1000 to that result code. For example, for Result 13 (Referral), submit the amount If the amount is in this range but does not correspond to a VeriSign result code supported by this testing mechanism, result 12 (Declined) is returned. $ Decline VeriSign Result Codes Returned Based on Transaction Amount Table 5-2 lists the VeriSign Result codes that you can generate using the amount of the transaction. To generate a specific code, submit an amount of 1000 plus the code number (for example, submit an amount of 1013 for a Result code of 13). Table 5-2 VeriSign result codes supporting the amount control Processing Platform American Express Phoenix American Express APAC Result Codes available for testing 0, 12, 13, 104, 1000 FDMS Nashville 0, 12, 13, 104 FDMS North 0, 4, 5, 12, 13, 23,24,114, 1000 FDMS South 0, 12, 13, 104 Global Payments Central 0, 4, 5, 8, 12, 13, 23, 24, 104, 111, 114, 1000 Global Payments East 0, 4, 5, 12, 13, 23, 24, 30, 100, 104, 114, 1000 Nova 0, 12, 13, 104 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

56 VeriSign Payment Services User s Guide for Payflow Link Table 5-2 VeriSign result codes supporting the amount control Processing Platform Result Codes available for testing Paymentech New Hampshire 0, 12, 13, 104 Vital 0, 4, 12, 13, 23, 104, 114, 1000 Alternative Methods for Generating Specific Result Codes In some cases, you may get the results shown in Table 5-4 using the result code plus 1000 even though this table suggests another means of obtaining the result code. Table 5-3 Obtaining VeriSign result code Result Definition How to test using Payflow Pro 0 Approved Use an AMOUNT of $1000 or less. Credit (C) and Force (F) transactions will always be approved regardless of dollar amount or card number. 1 User authentication failed Use an invalid PWD 2 Invalid tender Use an invalid TENDER, such as G 3 Invalid transaction type Use an invalid TRXTYPE, such as G 4 Invalid amount Use an invalid AMOUNT, such as 1 12 Declined Use an AMOUNT of 1012 or an AMOUNT of 2001 or more 13 Referral Use an AMOUNT of Original transaction ID not found Submit a Delayed Capture transaction with an invalid ORIGID 23 Invalid account number Submit an invalid account number, for example, Invalid expiration date Submit an invalid expiration date, for example, Transaction type not mapped to this host Submit a transaction for a card or tender you are not currently set up to accept, for example, a Diners card if you aren t set up to accept Diners. 101 Time-out value too small Set timeout value to Error reading response from host Use an AMOUNT of Timeout waiting for processor Use an AMOUNT of response 105 Credit error Attempt to credit an authorization. 108 Void error Attempt to void a captured authorization. 46 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

57 Chapter 5 Testing Payflow Link Table 5-3 Obtaining VeriSign result code 111 Capture error Capture an authorization twice. 112 Failed AVS check Use an AMOUNT of Note that in production this will only be encountered if you are configured by customer service to use the AVS Deny feature. Testing Address Verification Service (AVS) The VeriSign testing server simulates AVS by returning a value for AVSADDR based on the first three characters of the submitted value for STREET. The testing server returns a value for AVSZIP based on the submitted ZIP value as shown in Table 5-5. If STREET starts with 667 or higher or begins with a non-numeric character, then the simulator returns AVSADDR=X, AVSZIP=X. Table 5-4 Testing AVS STREET Submitted Value for STREET Example STREET value AVS Address Result Elm Y Main N 667 or higher or begins with a non-numeric character Maple X Table 5-5 Testing AVS ZIP Submitted Value for ZIP Example ZIP value AVS ZIP Result Y N Any value (if street address is 667 or higher or begins with a non-numeric character) Address=79287 Maple, ZIP=20304 X Testing Card Security Code (CSC) For testing, the first three characters of the submitted CSC value determine the CSC result. CSC value CSC Result 000 Null VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

58 VeriSign Payment Services User s Guide for Payflow Link Y N 601 or higher X If you have specified Silent Post, then, for voided transactions, Payflow Link returns the PNREF, a transaction type of V, and a response message of RESPMSG=CSCDECLINED. 48 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

59 rte Chap CHAPTER 6 6Activating Payflow Link Once you have established your Internet Merchant account with an acquiring bank, configured the Payflow Link forms, linked your Web store page to Payflow Link, and tested your Web site s integration with Payflow Link, you are ready to activate your account to submit live financial transactions. Determining Whether Your Payflow Account is Currently Active When you log in to VeriSign Manager, the Welcome page shows the status of your Payflow account. Activating Your Payflow Account You perform the following tasks (details follow): Step 1: Register your Payflow Link account. Registration informs VeriSign that you will begin performing live transactions. VeriSign will now begin billing you to use the Payflow Link service. (You may have already performed this step when you registered for the service at Step 2: Configure transactions to go to the live Payflow Link servers. Use VeriSign Manager to change the Transaction Process Mode field from TEST to LIVE. (This is a manual step.) VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

60 VeriSign Payment Services User s Guide for Payflow Link Step 3: Verify that live transactions are processed correctly. Step 1 Register your account Note Registering your account does not activate your account. Your Payflow Link account is still in TEST mode until you perform the next step. If you have already registered your Payflow Link account, skip to Step 2, Configure transactions to go to the live Payflow Link servers. on page 51. Follow these steps to register: 1 Log in to VeriSign Manager at 2 On the VeriSign Manager Welcome page, click the Click Here to Activate button. 50 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

61 Chapter 6 Activating Payflow Link 3 The Welcome page opens. Click Continue and follow the on-screen instructions. Step 2 Configure transactions to go to the live Payflow Link servers. In this step, you set the Transaction Process Mode to LIVE. 1 Log in to VeriSign Manager at 2 Click Account Info on the menu bar. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

62 VeriSign Payment Services User s Guide for Payflow Link 3 Click Payflow Link Info. The Edit Configuration page opens. Select LIVE in the Transaction Process Mode field. Select the appropriate setting in the AVS and CSC fields. 4 Click the Save Changes button. Step 3 Verify that live transactions are processed correctly Perform a transaction on your Web store as if you were a customer. Verify proper operation as follows: + Forms appear correctly (colors, logos, and text). + The transaction is declined when a test credit card number is used. 52 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

63 Chapter 6 Activating Payflow Link + The transaction is approved when a working credit card number is used. (You can use VeriSign Manager to credit the card after testing.) + If you are using AVS, test it by entering false address and ZIP code information. Next, submit a transaction with correct information. + If you are using CSC, test it by entering false CSC information. Next, submit a transaction with correct information. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

64 VeriSign Payment Services User s Guide for Payflow Link 54 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

65 rte Chap CHAPTER 7 7Managing Payflow Link In Chapter 2, you used VeriSign Manager to configure Payflow Link. In this chapter, we describe how to use VeriSign Manager to manage your Payflow Link account settings and transaction activity as well as to generate a variety of transaction reports. This chapter also describes the reports that you use to monitor your Payflow Link account. Tip Before proceeding, learn how to get around in VeriSign Manager read the brief guided tour in VeriSign Manager User s Guide. In addition, use VeriSign Manager s online help for information on using any page or field. To view online help, click the Help link. Management Tasks Available in VeriSign Manager Complete instructions for using VeriSign Manager and a more detailed discussion of available reports appear in VeriSign Manager User s Guide, available through the VeriSign Manager Download page. Using VeriSign Manager, you can perform the following tasks: + Change your configuration settings, as described in Chapter 2, Configuring Payflow Link. + Perform manual transactions (Sale, Credit, Void, and so on) and view transaction details. Submit groups of automated Delayed Capture, Credit, and Void transactions. Note For manual transactions performed from VeriSign Manager, AVS responses are returned, but the actions specified by the Payflow Link AVS setting (accept, decline, and so on) are not taken. + Perform Reference Transactions transactions that use parameter (field) values from existing transactions. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

66 VeriSign Payment Services User s Guide for Payflow Link + Configure recurring payments. VeriSign s Recurring Billing Service is a scheduled payment solution that enables you to automatically bill your customers at regular intervals for example, a monthly fee of $42 for 36 months with an initial fee of $129. See VeriSign Payment Services Recurring Billing Guide. + Search for transactions by credit card number or by transaction ID. + Specify, generate, and view reports. Generating Reports Chapter 7, Preparing Reports, provides a full description of the reports available to you. Viewing the Transaction Detail Page The Transaction Detail page displays specific information about a transaction, including the customer-entered data and the response data from the processor. The Transaction Detail page appears whenever you click the Transaction ID link on all of the 56 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

67 Chapter 7 Managing Payflow Link following pages: Search Utilities, Reports, Auto Delayed Capture, Auto Credits, or Auto Voids. The following information appears on the Transaction Detail page: Table 7-1 Transaction Detail page fields Request Data: Information submitted to the processor for the transaction. Trans ID Timestamp Duration Client IP Unique identifier that VeriSign assigns to the transaction. Click this link to view the Transaction Detail page, as described in Viewing the Transaction Detail Page on page 56. You can also use this value to search for transactions. Date and time transaction was submitted. Time required to process the transaction, in seconds IP address of the computer from which the transaction was submitted. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

68 VeriSign Payment Services User s Guide for Payflow Link Table 7-1 Transaction Detail page fields (Continued) Client Version AVS Street AVS ZIP Comment1 and 2 Login Name Trans Type Tender Type Account Number Expiration Amount Version of VeriSign software used to submit the transaction The street address submitted with this transaction. The ZIP code submitted with this transaction. Text entered in Comment fields Your Merchant name (you specified the name during registration). Transaction type (Authorization, Sale, Credit, Delayed Capture, Void, or Voice Authorization) Type of credit card or purchase card. Determined by card number entered (Visa, MasterCard, Discover, American Express, and so on). Credit card or purchase card number entered Expiration date of the account Amount of the transaction address of the purchaser. (optional) Results: Information received for the transaction. Result Code Auth. Code AVS Street Match AVS Zip Match Response Message Orig. Trans ID Orig. Amount Result code that reflects the status of the transaction. If transaction is approved, this is the authorization code returned by the Processor. Result of the AVS check for street number (Y, N, or X). Result of the AVS check for ZIP code (Y, N, or X). VeriSign response message. Original Transaction ID that this transaction references (For example, for a delayed capture transaction, the Orig Trans ID is the Transaction ID (PNREF) of the authorization transaction.) Amount of the original transaction (For example, for a delayed capture transaction, this field shows the amount submitted with the original authorization transaction.) 58 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

69 Chapter 7 Managing Payflow Link Table 7-1 Transaction Detail page fields (Continued) Batch ID Settlement batch number. For most processors, 0 means the transaction has not been settled. Any number above 0 means the transaction has been settled. (Note: For Vital, 6 means the transaction is not settled, 8 means settled.) Deposits take 2 to 5 days. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

70 VeriSign Payment Services User s Guide for Payflow Link 60 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

71 rte Chap CHAPTER 7 7Preparing Reports IMPORTANT! You can generate reports as far back as one year and for a time range (span) of three months. Use the VeriSign Manager Reports page to generate the following types of reports: + Use the Daily Activity report (page 93) to view all transactions submitted through Payflow Link, Payflow Pro, or VeriSign Manager for a single day (independent of whether the transaction succeeded or failed). If you require a detailed report for multiple processing days, use the Custom Report (page 99). + Use the Transaction Summary report to view transaction totals by tender type, transaction type, and result code for a specified time period. Transaction reports give daily account activity for any period that you specify. See page Use the Custom report to view all transactions submitted through Payflow Link or VeriSign Manager (independent of whether the transaction succeeded or failed) for multiple processing days. You can specify the content of the report in a variety of ways. See page Use the Settlement report to view transactions by Transaction ID, time, transaction type, tender type, and other values. This report is useful for reconciling transactions with bank statements and reports. See page Use the Shipping and Billing report instead of the Payflow Link Orders Report when you have manually run transactions using VeriSign Manager or Payflow Pro and you recorded the shipping and billing information. See page 105. VeriSign, Inc /Rev 3 89

72 VeriSign Payment Services VeriSign Manager User s Guide + Use the Batch ID reports to view batch information. You can specify either of the following report types: Use the Batch Summary report to view batches that settled during a specified date range (up to seven days). The report presents total dollar amount and transaction counts for Sale/Delayed Capture and Credit transactions. Click a Batch ID to view the Batch Detail report, listing all transactions in the batch. See page 107. Use the Batch Summary by Card Type report to view a breakdown by card type per batch of total dollar amount and transaction counts for Sale/Delayed Capture and Credit transactions. Click a Batch ID to view the Batch Detail report, listing all transactions in the batch grouped by card type. See page Payflow Link merchants can use the Payflow Link Orders report to view Sale and Authorization transactions submitted through Payflow Link. See page If you have arranged for ACH processing, you can generate a variety of reports covering ACH transactions. See VeriSign Payflow ACH Payment Service Guide. Tip To view the details of a transaction, click the Transaction ID link in any transaction report, as described in Viewing the Details of a Transaction on page 12. Working with Reports Use the Reports link to generate and review reports on transaction activity. This section describes the tools that you can use to design reports to meet your needs. When working with bank statements, remember that your Payflow gateway service reports on gross transaction amounts and does not collect data on fees charged by your Merchant bank (discount rate fees, transaction fees, chargeback fees, interchange rate fees, and so on). 90 VeriSign, Inc /Rev 3

73 Chapter 7 Preparing Reports Report Formats You can generate reports in the following formats (transactions are listed in rows and data in columns): + HTML. HTML format, good for online viewing. Includes links that provide transaction details. The ASCII formats enable you to Import the data to a spreadsheet or to an accounting or reconciliation application. See Importing Report Data into Other Applications on page ASCII Text. Tab-delimited ASCII text format. + Some reports offer an additional choice, ASCII Text with Headings. This format includes tab-separated column titles at the top of the ASCII text file. Daily Activity Report Formats The Daily Activity report offers the following formats: + Summary (HTML). HTML format, good for online viewing. Includes links that provide transaction details. + Full-Detail (HTML). HTML format, good for online viewing. Includes links that provide transaction details. + Full-Detail (ASCII Text). Tab-delimited ASCII text format with the same fields as the Full-Detail (HTML) format. Use this format to export the data to a spreadsheet or to an accounting or reconciliation application. See Importing Report Data into Other Applications on page 92. Viewing Transaction Details To view the details of a transaction, click the Transaction ID link in any report. On Batch ID reports, click an Order ID link to view the Batch Detail page. Specifying Date Ranges for Reports When you request a report, you specify a date range for the transactions that should appear in the report. For example, a report might cover last month or this week. Follow these steps to specify a date range: VeriSign, Inc /Rev 3 91

74 VeriSign Payment Services VeriSign Manager User s Guide Each report request page presents the fields shown here. Figure 7-1 Report request fields for specifying date ranges + To use a Preset Time (commonly used time periods like this week, this month, and days in the previous week), click Preset Time and select a time period from the list. + Alternately, to specify a time period (up to three months during the last year) that is not in the Preset list: a b c Click Custom Time (it is not automatically selected when you enter a custom time). Specify the date and time in the From (the beginning of the time period) and the To (the end of the time period) fields. The default Custom Time setting is 00:00:00 (midnight) for the From value and 23:59:59 (one second before midnight of the next day, local time) for the To value. Specify your Time Zone. Importing Report Data into Other Applications If you need to sort report results in a particular way, consider generating an ASCII text version of the report. You can import the report into Excel or other software of your choice, and then sort as needed. You typically view reports in the browser in HTML format. Alternatively, you can save reports as tab-separated ASCII text files. This enables you to import the data into a spreadsheet or into an accounting or reconciliation application. Follow these steps: 92 VeriSign, Inc /Rev 3

75 Chapter 7 Preparing Reports 1 In the Report Type text box, select ASCII or ASCII Text with Headings (includes tab-separated column headings at the top of the file). Figure 7-2 Selecting ASCII or ASCII Text with Headings 2 When you submit the report request, the computer prompts you to save the data to a text file or to open it on the browser page. Save the file. Note Some operating systems do not automatically display the dialog box that asks whether you would like to open or save the report. Appendix C provides instructions for configuring your system to do so. 3 Place the data into the application: Some applications allow you to import the file directly (consult the application documentation for instructions on importing data). Alternatively, you can open the file, select the text, copy it (Ctrl-C), then paste it (Ctrl-V) into the target application. Generating a Daily Activity Report Use the Daily Activity report to view all transactions submitted through your Payflow account for a single day, independent of whether the transaction succeeded or failed. (For a report spanning multiple days, use the Custom Report, described on page 99). You can generate the Daily Activity Report in three formats: Daily Activity Summary, Full-Detail, and Full-Detail; ASCII. Tip Delayed Capture, Credit, and Void transactions require the Transaction ID of the original transaction. The value appears in the Daily Activity and Custom reports. VeriSign, Inc /Rev 3 93

76 VeriSign Payment Services VeriSign Manager User s Guide Follow these steps to generate a Daily Activity report: 1 Click Reports Daily Activity Report. The Daily Activity Report page opens. Figure 7-3 Daily activity report 2 Specify a Report Type: Summary, Full-Detail, or Full-Detail ASCII text. 3 Specify the date that the report should cover. 4 Specify the field on which to sort the results: Transaction ID, Transaction Time, Transaction Type, Tender Type, Amount, or Result. Specify Ascending or Descending sort. 5 In the Mode field, specify either Live or Test transactions. 6 Click Submit. Example reports are shown below. Troubleshooting the Daily Activity report Invalid characters in the credit card number field causes the Daily Activity report to fail to run to completion. You receive the following error: There was an error processing your request. Please try again. If you continue to receive this error, please contact Customer Support. Run the report again in the Full Detail ASCII format. You can then view the resulting report using either a basic text editor like Microsoft Notepad or an application of your choice. 94 VeriSign, Inc /Rev 3

77 Chapter 7 Preparing Reports Example Daily Activity Report: Summary Activity Report The Daily Activity Summary report provides the minimum summary transaction detail, including transaction ID, date and time, transaction type, card type, amount of transaction, and result code. Figure 7-4 Transaction report: daily activity summary report Table 7-1 Fields on the Transaction Report: Daily Activity Summary report Field Order ID Description Order Identification number (Click an Order ID to display the Order Detail page.) # Temporary number assigned to the transaction. This number is used for reference purposes only while viewing the report, and is not associated with the transaction. Transaction ID Time Type Tender Type Amount Unique identifier that VeriSign assigns to the transaction. Click this link to view the Transaction Detail page, as described in Viewing the Details of a Transaction on page 12. You can also use this value to search for transactions. This is the value returned by the Payflow Pro PNREF parameter. Date and time of transaction Transaction Type code, as described in Transaction Type Codes on page 118: Authorization, Sale, Credit, and so on. Type of card: determined by credit card number entered (Visa, MasterCard, Discover, American Express, and so on). Amount of transaction VeriSign, Inc /Rev 3 95

78 VeriSign Payment Services VeriSign Manager User s Guide Table 7-1 Fields on the Transaction Report: Daily Activity Summary report Result Numeric code describing transaction results. See RESULT Codes and RESPMSG Values on page 121. Example Daily Activity Report: Full-Detail Report The Daily Activity Full-Detail report contains more in-depth information than the Daily Activity Summary report, including account number, expiration date, authorization number, and comments. Figure 7-5 Transaction report: daily activity full-detail Table 7-2 Fields on the Transaction Report: Daily Activity Full-Detail page Field Order ID Description Order Identification number (Click an Order ID to display the Order Detail page.) # Temporary number assigned to the transaction. This number is used for reference purposes only while viewing the report, and is not associated with the transaction. Transaction ID Time Type Tender Type Unique identifier that VeriSign assigns to the transaction. Click this link to view the Transaction Detail page, as described in Viewing the Details of a Transaction on page 12. You can also use this value to search for transactions. This is the value returned by the Payflow Pro PNREF parameter. Date and time of transaction Transaction Type code, as described in Transaction Type Codes on page 118. Authorization, Sale, Credit, and so on. Card type: Visa, MasterCard, JCB, and so on. 96 VeriSign, Inc /Rev 3

79 Chapter 7 Preparing Reports Table 7-2 Fields on the Transaction Report: Daily Activity Full-Detail page Account Number Expires Amount Result Resp Msg Comment 1 and Comment 2 Comment 1 Comment 2 Fraud Score Fraud Error Code Credit or purchase card number Credit purchase card expiration date Dollar amount of transaction Numeric code describing transaction results. See RESULT Codes and RESPMSG Values on page 121. Response Message. Optional text Displays the Order number. Not used. Fraud score. This value appears only if you have the Fraud service Fraud error code. Appears only if you have the Fraud service Generating a Transaction Summary Report Use the Transaction Summary report to view transaction totals by tender type, transaction type, and result code for a specified time period. Transaction reports show daily account activity for the period that you specify. 1 Click Reports Transaction Summary Report. The Transaction Summary Report page opens. Figure 7-6 Transaction summary report VeriSign, Inc /Rev 3 97

80 VeriSign Payment Services VeriSign Manager User s Guide 2 Specify the date range of transactions. 3 Specify a Settlement Status of Settled, Unsettled, or All Transactions. 4 In the Display as field, specify the output format (HTML or ASCII). 5 In the Mode field, specify either Live or Test transactions. 6 Click Submit. Example Transaction Summary Report This report provides summary information for transactions that share tender type, transaction type, and result code. For example, all Visa Sale transactions with a Result Code of 0 are summarized in the first line of this example report. Figure 7-7 Transaction report: all transactions Table 7-3 Fields on the Transaction Summary report Field Description # Temporary number assigned to the transaction. This number is used for reference purposes only while viewing the report, and is not associated with the transaction. Transaction Type Trans Count Result Code Tender Type Transaction Type code, as described in Transaction Type Codes on page 118. (Authorization, Sale, Credit, Delayed Capture, Void, or Voice Authorization) Total number of transactions with that transaction type, tender type, and result code. Numeric code describing transaction results. See RESULT Codes and RESPMSG Values on page 121. Type of credit card: determined by credit card number entered (Visa, MasterCard, Discover, American Express, and so on) 98 VeriSign, Inc /Rev 3

81 Chapter 7 Preparing Reports Table 7-3 Fields on the Transaction Summary report Field Min. Amount Max. Amount Average Total Amount Description Minimum transaction amount Maximum transaction amount Average (mean) transaction amount Total for all transactions with that transaction type and result code. Generating a Custom Report You specify which data fields should appear in Custom reports. For example, you can design a report that lists: + All transactions over a 3-day period for over $300 using Discover cards + Declined Sale and Authorization transactions over a 5-day period + All transactions with a particular Result code + All transactions that VeriSign bills you for Tips + The Custom report in ASCII format returns a maximum of 10,000 records. + Delayed Capture, Credit, and Void transactions require the Transaction ID of the original transaction. The value appears in the Daily Activity and Custom reports. Troubleshooting the Custom report The inclusion of an invalid ORIGID for transactions that do not require the ORIGID causes the Custom report to fail to run to completion. You receive the following error: There was an error processing your request. Please try again. If you continue to receive this error, please contact Customer Support. Run the report again and do not select Orig Trans ID from the list of Fields. To avoid this problem in the future, do not include a value for the ORIGID parameter in Sale, Authorization, or Voice Authorization transaction requests. VeriSign, Inc /Rev 3 99

82 VeriSign Payment Services VeriSign Manager User s Guide To generate a report 1 Click Reports Custom Report. The Custom Report page opens. Figure 7-8 Custom report 2 Specify the date and time range. 3 Specify the Report Filters (the criteria used to select which transactions to include in the report). In the example, only nonrecurring approved Sale and Delayed Capture transactions on Visa and MasterCard between $100 and $300 will appear in the report. 4 In the Display as field, specify the output format (HTML or ASCII). 5 In the Sort by field, specify the field on which to sort the results: Transaction ID, Transaction Time, Transaction Type, Tender Type, Amount, or Result. Specify Ascending or Descending sort. 6 Specify which Fields should appear as headings of columns in the report. 100 VeriSign, Inc /Rev 3

83 Chapter 7 Preparing Reports 7 In the Mode field, specify either Live or Test transactions. 8 Click Submit. Example Custom Report This example report reflects the criteria specified in the example. The report shows all approved Sale and Delayed Capture transactions on Visa and MasterCard between $100 and $300 for the specified time period. The transactions are sorted by transaction time, and only the specified fields appear as column headings. The table shows all available fields, only some of which appear in this example. Figure 7-9 Custom report Table 7-4 Fields on the Custom report Value Description # Temporary number assigned to the transaction. This number is used for reference purposes only while viewing the report, and is not associated with the transaction. Account Number Amount Auth Code AVS Street Match AVS ZIP Match Credit card number Amount of transaction If transaction is approved, this is the authorization code returned by the Processor. Y, N, or X AVS response. See AVS Result Codes on page 128 in AVS Result Codes on page 128. Y, N, or X AVS response. See AVS Result Codes on page 128. VeriSign, Inc /Rev 3 101

84 VeriSign Payment Services VeriSign Manager User s Guide Table 7-4 Fields on the Custom report (Continued) Value Batch ID Comment 1 and 2 Expiration Date Invoice Number Original Transaction ID Purchase Order Number Result Code Result Message Tax Amount Tender Type Transaction ID Transaction Time Transaction Type Description Settlement batch number. For most processors, 0 means the transaction has not been settled. Any number above 0 means the transaction has been settled. (Note: For Vital, 6 means the transaction is not settled, 8 means settled.) Deposits take 2 5 days. Optional text. Useful for searching on values generated by your business systems. Expiration Date on the credit card Invoice number submitted with the transaction. For Delayed Capture transactions: Unique Transaction ID that VeriSign assigned to the associated Authorization transaction. Purchase order number submitted with the transaction. Numeric code describing transaction results. See RESULT Codes and RESPMSG Values on page 121. Text associated with the Result Code Tax associated with the transaction. Type of credit card: determined by credit card number entered (Visa, MasterCard, Discover, American Express, and so on) Unique identifier that VeriSign assigns to the transaction. Click this link to view the Transaction Detail page, as described in Viewing the Details of a Transaction on page 12. You can also use this value to search for transactions. This is the value returned by the Payflow Pro PNREF parameter. Date and time of transaction Transaction Type code, as described in Transaction Type Codes on page 118. (Authorization, Sale, Credit, Delayed Capture, Void, or Voice Authorization) Generating a Settlement Report Use the Settlement report to view settled Sale, Credit, Delayed Capture, and Voice Authorization transactions and transaction counts and totals. This report is useful for reconciling bank statements and reports. 102 VeriSign, Inc /Rev 3

85 Chapter 7 Preparing Reports Settled means that the processor transferred the funds into (or out of for Credit transactions) your merchant bank account. Current transactions (those with today's date) are not settled until your processor settles them at the daily settlement time. See Appendix C, Processing Platform Settlement Times, for settlement times for each processor. Note Transactions are posted to your merchant bank account 48 to 72 hours (typically) after being approved for settlement. Settlement occurs for all batches submitted within the 24-hour settlement day. For example, for a particular processor, all transactions from 9 PM Monday night through 9 PM Tuesday night occur during that day. 1 Click Reports Settlement Report. The Settlement Report page opens. Figure 7-10 Settlement report 2 Specify a Preset Time or Custom Time for the report. If you specify a Preset Time, VeriSign Manager returns data for the best match between the 24-hour calendar day and the processor s 24-hour settlement day. You can match the processor s 24-hour settlement day using the Custom Time option. 3 Specify the Processor. 4 Specify a Settlement Status of Settled, Unsettled, or All Transactions. 5 Specify the Transaction Type. (All choices except All Settleable display the total amount settled or unsettled.) 6 In the Display as field, specify the output format (HTML or ASCII). VeriSign, Inc /Rev 3 103

86 VeriSign Payment Services VeriSign Manager User s Guide 7 In the Mode field, specify either Live or Test transactions. 8 Click Submit. Example Settlement Report The Settlement report displays the values listed in the table and provides summary data at the end of the report. Figure 7-11 Example settlement report Table 7-5 Fields on the Settlement report Field Description # Temporary number assigned to the transaction. This number is used for reference purposes only while viewing the report, and is not associated with the transaction. Transaction ID Time Unique identifier that VeriSign assigns to the transaction. Click this link to view the Transaction Detail page, as described in Viewing the Details of a Transaction on page 12. You can also use this value to search for transactions. This is the value returned by the Payflow Pro PNREF parameter. Transaction timestamp. 104 VeriSign, Inc /Rev 3

87 Chapter 7 Preparing Reports Table 7-5 Fields on the Settlement report Field Type Tender Type Account Number Expires Amount Result Response Msg Comments Batch ID Description Transaction Type code, as described in Transaction Type Codes on page 118. This report shows only Sales (S) and Delayed Capture (D/C) transaction. Type of credit card: determined by credit card number entered (Visa, MasterCard, Discover, American Express, and so on) Credit card number Expiration Date on the credit card Transaction amount Numeric code describing transaction results. Described in RESULT Codes and RESPMSG Values on page 121. Response Message. Text associated with Result code. Optional text Settlement batch number. For most processors, 0 means the transaction has not been settled. Any number above 0 means the transaction has been settled. (Note: For Vital, 6 means the transaction is not settled, 8 means settled.) Deposits take 2 5 days. Generating a Shipping and Billing Report The Shipping and Billing report indicates whether Authorization transactions have been captured using a Delayed Capture transaction. You can use the report to help you to: + Fulfill orders by quickly determining the shipping addresses for customer orders. + Capture funds for orders that you have shipped. Tip Payflow Link merchants: Use the Shipping and Billing report instead of the Payflow Link Orders report for manual transaction information. VeriSign, Inc /Rev 3 105

88 VeriSign Payment Services VeriSign Manager User s Guide 1 Click Reports Shipping and Billing Report. The Shipping / Billing Report page opens. Figure 7-12 Shipping/billing report 2 Specify the date for the report. 3 Specify how to sort the results: By Transaction ID, Transaction Time, Transaction Type, Card Type, Amount, or Result. Specify an Ascending or Descending sort. 4 In the Display as field, specify the output format (HTML or ASCII). 5 In the Mode field, specify either Live or Test transactions. 6 Click Submit. 106 VeriSign, Inc /Rev 3

89 Chapter 7 Preparing Reports Example Shipping and Billing Report This screenshot shows only a part of the full report. To view the details of a particular order, click the Transaction ID link. The resulting Transaction Detail page is described in Viewing the Details of a Transaction on page 12. Figure 7-13 Example shipping and billing report To view the details of a particular order or transaction, click the associated ID link. The resulting page is described in Appendix A, Transaction Responses. Generating a Batch Summary Report Use the Batch Summary report to view batches settled during a specified date range (up to seven days). The report lists total dollar amount and transaction counts for Sale/Delayed Capture, Account Updater, and Credit transactions. Tips + Transactions are posted to your merchant bank account 48 to 72 hours (typically) after being approved for settlement. + You may notice transactions for a single day being submitted in multiple batches. VeriSign groups transactions into batches of 999 (the Nova and Vital processors have lower limits). Once the limit is reached, VeriSign creates a new batch for the next transactions. VeriSign, Inc /Rev 3 107

90 VeriSign Payment Services VeriSign Manager User s Guide To generate a report 1 Click Reports Batch ID Report. The BatchID Report page opens. Figure 7-14 BatchID report 2 In the Report Type field, select Batch Summary Report. 3 Specify the date range (maximum range is seven days) for the report. 4 Specify the Processor. 5 In the Mode field, specify either Live or Test transactions. 6 Click Submit. The batch summary Settlement report displays all batches submitted during the specified date range. 108 VeriSign, Inc /Rev 3

91 Chapter 7 Preparing Reports Example Batch Summary Report Click a Batch ID to view the Batch Detail report, listing all transactions in the batch grouped by card type. Figure 7-15 Batch summary report Figure 7-16 Batch detail report Generating a Batch Summary by Card Type Report Use the Batch Summary by Card Type report to view a breakdown by card type per batch of total dollar amount and transaction counts for Sale/Delayed Capture and Credit transactions. Tips + Transactions are posted to your bank account 48 to 72 hours (typically) after being approved for settlement. + You may notice transactions for a single day being submitted in multiple batches. VeriSign groups transactions into batches of 999 (the Nova and Vital processors have lower limits). Once the limit is reached, VeriSign creates a new batch for the next transactions. VeriSign, Inc /Rev 3 109

92 VeriSign Payment Services VeriSign Manager User s Guide To generate the batch summary by card type report 1 Click Reports Batch ID Report. The BatchID Report page opens. Figure 7-17 Batch ID report 2 In the Report Type field, select Batch Summary by Card Type Report. 3 Specify the date range (maximum range is seven days) for the report. 4 Specify the Processor. 5 In the Display as field, specify the output format (HTML or ASCII). 6 In the Mode field, specify either Live or Test transactions. 7 Click Submit. The batch summary by card type Settlement report displays all batches submitted during the specified date range, grouped by card type. 110 VeriSign, Inc /Rev 3

93 Chapter 7 Preparing Reports Example Batch Summary by Card Type Report Click a Batch ID to view the Batch Detail report, listing all transactions in the batch grouped by card type. Figure 7-18 Batch summary by card type report Figure 7-19 Batch transactions by card type VeriSign, Inc /Rev 3 111

94 VeriSign Payment Services VeriSign Manager User s Guide Generating a Payflow Link Order Report The Payflow Link Order report shows Authorization and Sales transactions submitted by your customers using the Payflow Link order pages from your Web store. Only transactions submitted by your Web customers appear on the report. To view Delayed Capture transactions that your employees submitted using VeriSign Manager: + Generate a Shipping and Billing report. or + Create a Web interface that uses the Payflow Link order forms for your employees to use for the Delayed Capture transactions that capture your customers Authorization transactions. To generate the Payflow Link Order report 1 Click Reports Payflow Link Orders. The Payflow Link Report page opens. Figure 7-20 Payflow link report 2 Specify the Report Type: Summary Report, Full-Detail Report, or ASCII. 3 Specify the date range of transactions. 4 In the Mode field, specify either Live or Test transactions. 5 Click Submit. 112 VeriSign, Inc /Rev 3

95 Chapter 7 Preparing Reports Example Payflow Link Order Report Figure 7-21 Example Payflow Link order report To view the details of a particular order, click the Transaction ID link. The resulting Transaction Detail page is described in Viewing the Details of a Transaction on page 12. The following information appears in the Payflow Link Order report: Table 7-6 Fields on the Payflow Link Order report Field Description # Reference number of the transaction Date Transaction ID Name Transaction timestamp. Unique identifier that VeriSign assigns to the transaction. Click this link to view the Transaction Detail page, as described in Viewing the Details of a Transaction on page 12. You can also use this value to search for transactions. This is the value returned by the Payflow Pro PNREF parameter. Customer name. Trans Type Type code, as described in Transaction Type Codes on page 118. This report shows only types S or A. Amount Result Transaction amount. Numeric code describing transaction results. Described in RESULT Codes and RESPMSG Values on page 121. VeriSign, Inc /Rev 3 113

96 VeriSign Payment Services VeriSign Manager User s Guide Example Payflow Link Order Detail Report Figure 7-22 Example Payflow Link order detail report 114 VeriSign, Inc /Rev 3

97 rte Chap CHAPTER 9 9Integrating TeleCheck Transactions In addition to accepting credit cards, your Web site can accept TeleCheck electronic checks using Payflow Link. This chapter describes how to implement TeleCheck payments. Tip Be sure to read Appendix B, Submitting Transaction Data to the Payflow Link Server, for information on more advanced implementations. In This Chapter Integrating Check Processing on page 88. Data That You Must Post if You do not use Payflow Link s Order Form on page 89. Transaction Results Returned for TeleCheck Transactions on page 90. Testing TeleCheck Transactions on page 90. Note If you did not indicate that you want to accept checks during the registration process for Payflow Link, you must contact VeriSign customer service to enable this function. For more information on TeleCheck, see the TeleCheck Web site at VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

98 VeriSign Payment Services User s Guide for Payflow Link Integrating Check Processing CAUTION Payflow Link cannot void TeleCheck transactions. To integrate check processing with Payflow Link, you use the same HTML code that you use for credit cards, as described in Chapter 3, Integrating Your Web Site with Payflow Link (Basic Integration), However for check processing, the TYPE value must always be S, as shown in this example code: <form method="post" action=" <input type="hidden" name="login" value="acmetrampolines"> <input type="hidden" name="partner" value="verisign"> <input type="hidden" name="amount" value="42.00"> <input type="hidden" name="type" value="s"> <input type="submit" value="click here to Purchase"> </form> Enabling Customers to Specify the Payment Method If your Web site is structured to accept both checks and credit cards, then, by default, your customers will see the Select Payment Type page to enable them to specify the method of payment. To hide the page You can specify that the Payflow Link server should not display the page by specifying that the method of payment is TeleCheck. Include the following line in your HTML code: <input type="hidden" name="method" value="echeck"> 88 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

99 Chapter 9 Integrating TeleCheck Transactions Data That You Must Post if You do not use Payflow Link s Order Form To use your custom order forms rather that the VeriSign-hosted forms, set ORDERFORM to False and Post the following name/value pairs to the Payflow Link server: Table 9-1 Transaction data required if ORDERFORM=False Field Name Description Max Length ADDRESS Billing address. 60 CHECKNUM Check number. 11 CITY Billing city. 32 DLNUM Driver s License Number. This value is required. 33 Billing address. 40 LOGIN The login name that you chose while enrolling for your Payflow account. METHOD Method of customer payment. Enter ECHECK for electronic check. MICR MICR number of the check. The string appears at the bottom of the 31 check. NAME Billing name. 60 PARTNER The name of your Partner was provided to you by your VeriSign Reseller. If you registered with VeriSign directly, then enter VeriSign. PHONE Billing phone. 20 STATE Billing state. 20 STATEOFDL Driver s license state (two-letter abbreviation). This value is 3 required. TYPEOFCHECK Type of check (P = Personal, B = Business). P is the default. ZIP Billing ZIP code. 15 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

100 VeriSign Payment Services User s Guide for Payflow Link Transaction Results Returned for TeleCheck Transactions The HOSTCODE parameter returns the following six-digit code values: Table 9-2 Values returned by HOSTCODE Code Description Status Sale Approved Direct Check Sale/ECA approved Sale Approved Direct Check Sale approved (no ECA) Sale Approved Direct Check Sale/ECA approved no guarantee Sale Approved Direct Check Sale approved no ECA no guarantee Check Declined Direct Check Sale declined negative data Check Declined Direct Check Sale Decline Scoring Check Failure Direct Check Sale Check Failed Note For more information on other returned values, see Appendix B, Submitting Transaction Data to the Payflow Link Server. For more information on TeleCheck responses, see the TeleCheck Web site at Testing TeleCheck Transactions Use the following test data to test TeleCheck transactions: Table 9-3 Test TeleCheck transaction data Bank (MICR) Number Check No. Resulting HOSTCODE Value Check Approved ECA Check Approved No ECA Check Approved ECA, No Guarantee Check Approved No ECA, No Guarantee Check Decline Negative Data Check Decline Scoring Check Failed 90 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

101 xi Apend APPENDIX A ATransaction Responses When a transaction is completed, VeriSign returns transaction response information. VeriSign Manager displays transaction responses on the following pages: + Transaction Results page, returned whenever you complete a transaction using the Transaction Terminal page + Report pages + Transaction Detail page, which you can access using the search utilities or by clicking the Transaction ID on most report pages This appendix describes and shows examples of the following: + Transaction Results page (page 116) + Transaction responses: + Transaction Type Codes (page 118) + Transaction Result Codes (page 120) + AVS Codes (page 128) + CSC Result Codes (page 130) VeriSign, Inc /Rev 3 115

102 VeriSign Payment Services VeriSign Manager User s Guide Transaction Results Page The Transaction Results page opens after a transaction is submitted in VeriSign Manager. The following example page shows a successful transaction. Figure A-1 Transaction results Table A-1 Transaction Results and Transaction Values page fields Field Displays Transaction Results Result Code Response Message Transaction ID Auth Code AVS Street Match AVS ZIP Match International AVS Indicator Transaction result code. Described in RESULT Codes and RESPMSG Values on page 121. Transaction response message Transaction ID VeriSign assigned to this transaction Processor authorization code Y, N, or X returned by AVS for the street number. See AVS Result Codes on page 128. Y, N, or X returned by AVS for the ZIP code. See AVS Result Codes on page 128. Indicates whether AVS response is international (Y), USA (N), or cannot be determined (X). Payflow Pro client version 3.06 or later is required. 116 VeriSign, Inc /Rev 3

103 Appendix A Transaction Responses Table A-1 Transaction Results and Transaction Values page fields (Continued) Field CSC Match Displays Y, N, or X returned by CSC check. See CSC Result Codes on page 130. Transaction Values Vendor Transaction Type Card Number Expiration Amount Comment 1 Comment 2 Comment 1 and 2 The Vendor (Merchant) name that you use to log in to VeriSign Manager. S, C, A, D, V, or F, as described in Transaction Type Codes on page 118. Credit card number Credit card expiration date Transaction amount Holds the Order number. Not used. Text that the submitter entered in Comment fields when submitting the transaction. VeriSign, Inc /Rev 3 117

104 VeriSign Payment Services VeriSign Manager User s Guide Transaction Type Codes Code Name Description S Payment / Sale C Credit / Refund Charges the specified amount against the account, and marks the transaction for immediate funds transfer (capture) during the next settlement period. Processors perform settlement daily on the schedule shown in Appendix C, Processing Platform Settlement Times.. Returns the specified amount (posts a credit) to the cardholder s account. To submit a Credit transaction, you must include either the credit card number or the Transaction ID (PNREF value in Payflow Pro) that was returned for the original transaction. If you submit a Credit transaction using the Transaction ID and do not specify an amount, then the amount of the original transaction is used. A Authorization A request to charge a cardholder. An approved Authorization transaction reduces the cardholder s open-to-buy amount (the amount that can currently be charged against the account), but does not actually capture the funds. You must submit a Delayed Capture transaction to capture (settle) the funds set aside by the approved Authorization. If an approved Authorization is not settled within a certain period (determined by the issuing bank), it becomes The cardholder s open-to-buy is typically cleared in 5 to 7 days. Processors perform settlement daily on the schedule shown in Appendix C, Processing Platform Settlement Times. D Delayed Capture Marks the funds set aside by an approved Authorization transaction for capture during the next settlement period. Merchants who do not ship goods immediately use this transaction type to collect funds when the goods ship. 118 VeriSign, Inc /Rev 3

105 Appendix A Transaction Responses Code Name Description V Void A Void transaction prevents an approved transaction from being settled, but does not release the authorization (hold on funds) on the cardholder s account. Follow these guidelines: You can void Delayed Capture, Sale, Credit, Authorization, and Voice Authorization transactions. You cannot void a Void transaction. Void transactions can only be used on transactions that have not yet settled. To refund the customer s money for settled transactions, you must submit a Credit transaction. Y F Account Updater Voice Authorization Account Updater transactions securely retrieve credit card account number and expiration date updates from data provided by your customers issuing banks to your acquiring bank. Because you use the updated information when submitting the associated recurring financial transaction, a higher percentage of transactions succeed. AU-Query and AU-Submit transaction types have an amount of $0.00. Some transactions cannot be authorized over the Internet (for example, high dollar amounts) processing networks generate Referral (Result Code 13) transactions for such requests. In these situations, you contact the customer service department of your merchant bank and provide the payment information as requested. If the transaction is approved, the bank provides you with a Voice Authorization Code (AUTHCODE) for the transaction. You include this AUTHCODE as part of a Voice Authorization transaction. Once a Voice Authorization transaction has been approved, it is treated like a Sale transaction and is settled with no further action on your part. Like Sale transactions, approved Voice Authorization transactions can be voided. Transaction ID Value (Payflow Link Merchants) The Transaction ID (also known as the PNREF in Payflow Pro documentation) is a unique transaction identification number issued by VeriSign that identifies the VeriSign, Inc /Rev 3 119

106 VeriSign Payment Services VeriSign Manager User s Guide transaction for billing, reporting, and transaction data purposes. For Payflow Link merchants: + The Transaction ID associated with each transaction appears in all VeriSign Manager detail reports. + If you use Post or Silent Post, then, for each completed transaction, the PNREF parameter returns the Transaction ID value. + When you submit any of the following transaction types from VeriSign Manager, you enter the Transaction ID value into the Original Transaction ID field: Credit Delayed capture Void Transaction ID Format See PNREF Format on page 1. Transaction Result Codes The transaction Result indicates the overall status of the transaction attempt. The Result associated with each transaction appears in all VeriSign Manager detail reports. If you use Post or Silent Post, then the RESPMSG parameter returns the description of the RESULT code. A value of 0 (zero) indicates that no errors occurred and the transaction was approved. A value greater than zero indicates a decline or error. Table A-1 lists the result codes and their associated RESPMSG descriptions. A value less than zero indicates that a communication error occurred. In this case, no transaction is attempted. See RESULT Values for Communications Errors on page 1. PNREF Value (Payflow Pro Merchants) The PNREF (also known as the Transaction ID to Payflow Link merchants) is a unique transaction identification number issued by VeriSign that identifies the transaction for billing, reporting, and transaction data purposes. For Payflow Pro merchants: + The PNREF value is used as the TRANSID value (original transaction ID) in delayed capture transactions (TRXTYPE=D), credits (TRXTYPE=C), inquiries (TRXTYPE=I), and voids (TRXTYPE=V). 120 VeriSign, Inc /Rev 3

107 Appendix A Transaction Responses + The PNREF value is used as the TRANSID value (original transaction ID) value in reference transactions for authorization (TRXTYPE=A) and Sale (TRXTYPE=S). PNREF Format The PNREF (also known as the Transaction ID) is a 12-character string of printable characters, for example: + VADE0B ACRAF23DB3C4 Note Printible characters also include symbols other than letters and numbers such as the question mark (?). A PNREF typically contains letters and numbers only. Historically, the contents of a PNREF indicated a test or a live transaction: + For Test servers, the first and fourth characters were alpha characters (letters), and the second and third characters were numeric, for example: V53A For Live servers, the first four characters were alpha characters (letters), for example: VPNE However, this is not always the case, and as a rule, you should not place any meaning on the contents of a PNREF. RESULT Codes and RESPMSG Values RESULT is the first value returned in the VeriSign server response string. The value of the RESULT parameter indicates the overall status of the transaction attempt. + A value of 0 (zero) indicates that no errors occurred and the transaction was approved. + A value less than zero indicates that a communication error occurred. In this case, no transaction is attempted. + A value greater than zero indicates a decline or error. The response message (RESPMSG) provides a brief description for decline or error results. VeriSign, Inc /Rev 3 121

108 VeriSign Payment Services VeriSign Manager User s Guide RESULT Values for Transaction Declines or Errors For non-zero Results, the response string includes a RESPMSG name/value pair. The exact wording of the RESPMSG (shown in bold) may vary. Sometimes a colon appears after the initial RESPMSG followed by more detailed information. Table A-2 VeriSign transaction RESULT values and RESPMSG text RESULT RESPMSG and Explanation 0 Approved 1 User authentication failed. Error is caused by one or more of the following: Invalid User ID, Merchant Login ID, Partner ID, or Password entered in your parameter string. Login information is case-sensitive. Invalid Processor information entered. Contact merchant bank to verify. "Allowed IP Address" security feature implemented. Test account submitting transactions to live VeriSign servers. 2 Invalid tender type. Your merchant bank account does not support the following credit card type that was submitted. 3 Invalid transaction type. Transaction type is not appropriate for this transaction. For example, you cannot credit an authorization-only transaction. 4 Invalid amount format 5 Invalid merchant information. Processor does not recognize your merchant account information. Contact your bank account acquirer to resolve this problem. 7 Field format error. Invalid information entered. See RESPMSG. 8 Not a transaction server 9 Too many parameters or invalid stream 10 Too many line items 11 Client time-out waiting for response 12 Declined. Check the credit card number and transaction information to make sure they were entered correctly. If this does not resolve the problem, have the customer call the credit card issuer to resolve. 13 Referral. Transaction was declined but could be approved with a verbal authorization from the bank that issued the card. Submit a manual Voice Authorization transaction and enter the verbal auth code. 122 VeriSign, Inc /Rev 3

109 Appendix A Transaction Responses Table A-2 VeriSign transaction RESULT values and RESPMSG text (Continued) RESULT RESPMSG and Explanation 19 Original transaction ID not found. The transaction ID you entered for this transaction is not valid. See RESPMSG. 20 Cannot find the customer reference number 22 Invalid ABA number 23 Invalid account number. Check credit card number and re-submit. 24 Invalid expiration date. Check and re-submit. 25 Invalid Host Mapping. Not signed up for this tender type. 26 Invalid vendor account 27 Insufficient partner permissions 28 Insufficient user permissions 29 Invalid XML document. This could be caused by an unrecognized XML tag or a bad XML format that cannot be parsed by the system. 30 Duplicate transaction 31 Error in adding the recurring profile 32 Error in modifying the recurring profile 33 Error in canceling the recurring profile 34 Error in forcing the recurring profile 35 Error in reactivating the recurring profile 36 OLTP Transaction failed 37 Invalid recurring profile ID 50 Insufficient funds available in account 99 General error. See RESPMSG. 100 Transaction type not supported by host 101 Time-out value too small 102 Processor not available 103 Error reading response from host VeriSign, Inc /Rev 3 123

110 VeriSign Payment Services VeriSign Manager User s Guide Table A-2 VeriSign transaction RESULT values and RESPMSG text (Continued) RESULT RESPMSG and Explanation 104 Timeout waiting for processor response. Try your transaction again. 105 Credit error. Make sure you have not already credited this transaction, or that this transaction ID is for a creditable transaction. (For example, you cannot credit an authorization.) 106 Host not available 107 Duplicate suppression time-out 108 Void error. See RESPMSG. Make sure the transaction ID entered has not already been voided. If not, then look at the Transaction Detail screen for this transaction to see if it has settled. (The Batch field is set to a number greater than zero if the transaction has been settled). If the transaction has already settled, your only recourse is a reversal (credit a payment or submit a payment for a credit). 109 Time-out waiting for host response 111 Capture error. Either an attempt to capture a transaction that is not an authorization transaction type, or an attempt to capture an authorization transaction that has already been captured. 112 Failed AVS check. Address and ZIP code do not match. An authorization may still exist on the cardholder s account. 113 Merchant sale total will exceed the sales cap with current transaction. ACH transactions only. 114 Card Security Code (CSC) Mismatch. An authorization may still exist on the cardholder s account. 115 System busy, try again later 116 VPS Internal error. Failed to lock terminal number 117 Failed merchant rule check. One or more of the following three failures occurred: An attempt was made to submit a transaction that failed to meet the security settings specified on the VeriSign Manager Security Settings page. If the transaction exceeded the Maximum Amount security setting, then no values are returned for AVS or CSC. See VeriSign Manager User s Guide for information on the Security Settings page. AVS validation failed. The AVS return value should appear in the RESPMSG. CSC validation failed. The CSC return value should appear in the RESPMSG. 124 VeriSign, Inc /Rev 3

111 Appendix A Transaction Responses Table A-2 VeriSign transaction RESULT values and RESPMSG text (Continued) RESULT RESPMSG and Explanation 118 Invalid keywords found in string fields 122 Merchant sale total will exceed the credit cap with current transaction. ACH transactions only. 125 Fraud Protection Services Filter Declined by filters 126 Fraud Protection Services Filter Flagged for review by filters Important Note: Result code 126 indicates that a transaction triggered a fraud filter. This is not an error, but a notice that the transaction is in a review status. The transaction has been authorized but requires you to review and to manually accept the transaction before it will be allowed to settle. This result occurred due to that fact that all new Payflow accounts include a test drive of the Fraud Protection Services at no charge. The filters are on by default, and a suspicious transaction triggered Result code 126. You can modify these settings based on your business needs. Result code 126 is intended to give you an idea of the kind of transaction that is considered suspicious to enable you to evaluate whether you can benefit from using the Fraud Protection Services. To eliminate result 126, turn the filters off. For more information, see the chapter entitled Assessing Transactions that Triggered Filters in Fraud Protection Services Guide or User s Guide for Payflow Link Guide With Fraud Protection Services. 127 Fraud Protection Services Filter Not processed by filters 128 Fraud Protection Services Filter Declined by merchant after being flagged for review by filters 131 Version 1 Payflow Pro SDK client no longer supported. Upgrade to the most recent version of the Payflow Pro client. 150 Issuing bank timed out 151 Issuing bank unavailable 1000 Generic host error. This is a generic message returned by your credit card processor. The RESPMSG will contain more information describing the error Buyer Authentication Service unavailable 1002 Buyer Authentication Service Transaction timeout 1003 Buyer Authentication Service Invalid client version 1004 Buyer Authentication Service Invalid timeout value VeriSign, Inc /Rev 3 125

112 VeriSign Payment Services VeriSign Manager User s Guide Table A-2 VeriSign transaction RESULT values and RESPMSG text (Continued) RESULT RESPMSG and Explanation 1011 Buyer Authentication Service unavailable 1012 Buyer Authentication Service unavailable 1013 Buyer Authentication Service unavailable 1014 Buyer Authentication Service Merchant is not enrolled for Buyer Authentication Service (3-D Secure). To enroll, log in to VeriSign Manager, click Security, and then click the Buyer Authentication Service banner on the page Buyer Authentication Service 3-D Secure error response received. Instead of receiving a PARes response to a Validate Authentication transaction, an error response was received Buyer Authentication Service 3-D Secure error response is invalid. An error response is received and the response is not well formed for a Validate Authentication transaction Buyer Authentication Service Invalid card type 1022 Buyer Authentication Service Invalid or missing currency code 1023 Buyer Authentication Service merchant status for 3D secure is invalid 1041 Buyer Authentication Service Validate Authentication failed: missing or invalid PARES 1042 Buyer Authentication Service Validate Authentication failed: PARES format is invalid 1043 Buyer Authentication Service Validate Authentication failed: Cannot find successful Verify Enrollment 1044 Buyer Authentication Service Validate Authentication failed: Signature validation failed for PARES 1045 Buyer Authentication Service Validate Authentication failed: Mismatched or invalid amount in PARES 1046 Buyer Authentication Service Validate Authentication failed: Mismatched or invalid acquirer in PARES 1047 Buyer Authentication Service Validate Authentication failed: Mismatched or invalid Merchant ID in PARES 1048 Buyer Authentication Service Validate Authentication failed: Mismatched or invalid card number in PARES 126 VeriSign, Inc /Rev 3

113 Appendix A Transaction Responses Table A-2 VeriSign transaction RESULT values and RESPMSG text (Continued) RESULT RESPMSG and Explanation 1049 Buyer Authentication Service Validate Authentication failed: Mismatched or invalid currency code in PARES 1050 Buyer Authentication Service Validate Authentication failed: Mismatched or invalid XID in PARES 1051 Buyer Authentication Service Validate Authentication failed: Mismatched or invalid order date in PARES 1052 Buyer Authentication Service Validate Authentication failed: This PARES was already validated for a previous Validate Authentication transaction RESULT Values for Communications Errors A value for RESULT less than zero indicates that a communication error occurred. In this case, no transaction is attempted. A value of -1 or -2 usually indicates a configuration error. Either the VeriSign server is unavailable, or incorrect server/socket pairs have been specified. A value of -1 can also result when there are Internet connectivity errors. Refer other errors to VeriSign at Table A-3 RESULT values for communications errors RESULT Description -1 Failed to connect to host -2 Failed to resolve hostname -5 Failed to initialize SSL context -6 Parameter list format error: & in name -7 Parameter list format error: invalid [ ] name length clause -8 SSL failed to connect to host -9 SSL read failed -10 SSL write failed -11 Proxy authorization failed -12 Timeout waiting for response -13 Select failure VeriSign, Inc /Rev 3 127

114 VeriSign Payment Services VeriSign Manager User s Guide Table A-3 RESULT values for communications errors (Continued) RESULT Description -14 Too many connections -15 Failed to set socket options -20 Proxy read failed -21 Proxy write failed -22 Failed to initialize SSL certificate -23 Host address not specified -24 Invalid transaction type -25 Failed to create a socket -26 Failed to initialize socket layer -27 Parameter list format error: invalid [ ] name length clause -28 Parameter list format error: name -29 Failed to initialize SSL connection -30 Invalid timeout value -31 The certificate chain did not validate, no local certificate found -32 The certificate chain did not validate, common name did not match URL -99 Out of memory AVS Result Codes CAUTION The AVS result is for advice only. Banks do not decline transactions based on the AVS result you make the decision to approve or decline each transaction. You must manually check the results of each manual transaction to view its AVS result and to act on it appropriately. AVS does not operate for manual transactions. For US cardholders, the Address Verification Service (AVS) compares the submitted street address and zip code with the values on file at the cardholder s bank. (AVS is supported by most US banks and by some International banks.) 128 VeriSign, Inc /Rev 3

115 Appendix A Transaction Responses The International AVS response (IAVS) indicates whether AVS response is international (Y), USA (N), or cannot be determined (X). Payflow Pro client version 3.06 or later is required. Processors that Support AVS VeriSign supports the AVS services as listed in the table below. Processing Platform American Express Discover MasterCard Visa American Express Phoenix American Express APAC FDMS Nashville FDMS North FDMS South Global Payments Central Global Payments East Norwest Nova Paymentech New Hampshire Vital Wells Fargo Bank AVS Results Any one of the following results can appear in the AVS Street Match and AVS ZIP Match fields on the Transaction Detail page: Table A-4 AVS Result Codes Result Y N X Meaning Information submitted matches information on file with cardholder's bank. Information submitted does not match information on file with the cardholder's bank. Cardholder's bank does not support AVS checking for this information. VeriSign, Inc /Rev 3 129

116 VeriSign Payment Services VeriSign Manager User s Guide Note Results can vary on the same Transaction Detail page. In other words, AVS Street Match = Y and AVS ZIP Match = N (and vice versa) could appear on the same Transaction Detail page. Also note that sometimes when service is unavailable, no code at all will be returned. CSC Result Codes The card security code (CSC) is a 3- or 4-digit number (not part of the credit card number) that appears on the credit card. Because the CSC appears only on the card and not on receipts or statements, the CSC provides some assurance that the physical card is in the possession of the buyer. Tip This fraud prevention tool has various names, depending on the card type.visa calls it CVV2, MasterCard calls it CVC2, and American Express and Discovery call it CID. To ensure that your customers see a consistent name, VeriSign recommends use of the term Card Security Code (CSC) on all end-user materials. On most cards, the CSC appears on the back of the card (usually in the signature field). All or part of the card number appears before the CSC (567 in the example). For American Express, the 4-digit number (1122 in the example) is printed on the front of the card, above and to the right of the embossed account number. Be sure to explain this to your customers. Figure A-2 Credit card CSC locations 130 VeriSign, Inc /Rev 3

117 Appendix A Transaction Responses CSC Results VeriSign supports CSC results vary depending on your processing platform, as described in Table A-5. Table A-5 CSC results by processing platform Processing Platform American Express Phoenix American Express APAC Vital Nova FDMS North Global Payments East Global Payments Central FDMS Nashville FDMS South Paymentech New Hampshire Results CSC mismatches cause a non-approved result (RESULT = 114). No CVV2MATCH value is returned. CSC mismatches cause a non-approved result (RESULT = 114). The match or mismatch information is indicated in the CVV2MATCH value. Transactions that have CSC mismatches can come back as an approved transaction (RESULT = 0). The match or mismatch information is indicated in the CVV2MATCH value. Similar to AVS, you must make a decision based on this information on whether you want to proceed with the order (the authorization was successful). CVV2MATCH values If the buyer submits a CSC, a participating cardholder s bank returns a Yes/No response in the CVV2MATCH parameter as follows: CVV2MATCH Value Y N X Description The submitted value matches the data on file for the card. The submitted value does not match the data on file for the card. The cardholder s bank does not support this service. VeriSign, Inc /Rev 3 131

118 VeriSign Payment Services VeriSign Manager User s Guide Processors and Credit Cards Supporting CSC VeriSign supports CSC validation as listed in the table below. See for the latest information. Processing Platform American Express Discover MasterCard Visa American Express Phoenix American Express APAC FDMS Nashville FDMS North FDMS South Global Payments Central Global Payments East Norwest Nova Paymentech New Hampshire Vital Special Case: American Express To enable the account to accept the CSC code, you must send an request to Once American Express has approved the request and has activated CSC for the you, you can begin passing CSC data and receiving the appropriate responses (Y, N, or X). If you attempt to send CSC data without having requested setup, American Express does not send a response. 132 VeriSign, Inc /Rev 3

119 xi Apend APPENDIX B BSubmitting Transaction Data to the Payflow Link Server This chapter is intended for merchants with intermediate or advanced HTML knowledge or Web development skills. This chapter describes the options you have for sending transaction data to the Payflow Link server. This chapter also describes the transaction parameters that you can send to the Payflow Link server and the data that you can choose to have returned to your Web site when a transaction is complete. In This Chapter About VeriSign s Transaction Database on page 111. Collecting Customer Transaction Data, Option 1 on page 112. Collecting Customer Transaction Data, Option 2 on page 114. Optional Transaction Data on page 116. Payflow Link Transaction Types on page 119. Returning Data to Your Web Site on page 119. Data Returned by the Post and Silent Post Features on page 121. Parameters That Specify Payflow Link Operation on page 124. About VeriSign s Transaction Database All of the transaction data submitted to the Payflow Link server whether the source is the Payflow Link Order form or your Web page is stored in VeriSign s transaction database. You can search for particular transaction data using the search tools described in VeriSign Manager User s Guide. You can also view transaction data in VeriSign Manager reports, described in Chapter 7, Managing Payflow Link. In particular, the Order Detail report and the Custom report display a large amount of transaction data. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

120 VeriSign Payment Services User s Guide for Payflow Link Some transaction parameters are intended to enable you to retain session information and other temporary data these values are not stored in the database. See Retaining Session Data and other Temporary Information on page 120. Collecting Customer Transaction Data, Option 1 Using the Payflow Link Order Form You can use the Payflow Link Order form to collect transaction data from the customer. This default configuration is described in Chapter 3, Integrating Your Web Site with Payflow Link (Basic Integration). This configuration minimizes the data that you must collect at your site and pass to VeriSign. Tip One significant benefit of using this configuration is that you do not have to invest in the security infrastructure required to accept account information (credit card number and expiration date) at your site VeriSign performs the secure transfer of this data. As described in Complete the Form Configuration section on page 17, you specify the fields that appear on the Order form by selecting them in the Configuration page. For this case, the minimum set of data that you must Post to Payflow Link is described in Data That You Must Pass if You Use Payflow Link s Order Form on page 113. In addition, you can pass any of the data described in Optional Transaction Data on page 116. Pre-populating Order Form Fields To improve your customer s experience, you may wish to populate the Order form with information that your site has already collected. You can pre-populate any Order form field by using the HTML Post method to send the associated name/value pair to the Payflow Link server. In this example, you populate the Total Amount (a required value), Name, Address, and City fields: <form method="post" action=" <input type="hidden" name="login" value="beachbums"> <input type="hidden" name="partner" value="verisign"> <input type="hidden" name="type" value="s"> <input type="hidden" name="amount" value="12.00"> <input type="hidden" name="name" value="tina Johnson"> <input type="hidden" name="address" value="123 Main St."> <input type="hidden" name="city" value="tahoma"> <input type="submit" value="buy"> </form> 112 VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev. 10

121 Appendix B Submitting Transaction Data to the Payflow Link Server As a result, the values appear in the Order form (the card number and expiration date values were collected by the Credit Card Information page): Data That You Must Pass if You Use Payflow Link s Order Form In Example of a Simple Integration on page 33, we discussed the minimum data set required by Payflow Link if you use Payflow Link s Order form to collect transaction information from the customer. Table B-1 lists the minimum data set. You have the option to turn off the Confirmation page by setting SHOWCONFIRM=False. The Confirmation page enables the customer to confirm the transaction information before submitting the transaction. The page appears after the customer submits the Order form. CAUTION Parameter names are case-sensitive and must be typed exactly as shown. Incorrectly specified parameter values are ignored. Table B-1 Transaction data required for all Payflow Link transactions Field Name Description Max Length LOGIN PARTNER The login name that you chose while enrolling for your Payflow account. The name of your Partner was provided to you by your Reseller. VeriSign, Inc. DOC-AFF-PMT-GID-0002/Rev

Payflow Link User s Guide

Payflow Link User s Guide Payflow Link User s Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l instant. Last updated: June 2008 Payflow

More information

Payflow Link User s Guide

Payflow Link User s Guide Payflow Link User s Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l instant. Last updated: May 2012 Payflow

More information

Payflow Link Fraud Protection Services User s Guide

Payflow Link Fraud Protection Services User s Guide Payflow Link Fraud Protection Services User s Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l instant. Last

More information

VeriSign Payment Services

VeriSign Payment Services ADMINISTRATOR S GUIDE VeriSign Payment Services VeriSign Manager User s Guide VeriSign, Inc. 00016771/Rev 3 VeriSign Payment Services VeriSign Manager User s Guide Copyright 1998-2005 VeriSign, Inc. All

More information

Merchant Integration Guide

Merchant Integration Guide Merchant Integration Guide Card Not Present Transactions Authorize.Net Customer Support support@authorize.net Authorize.Net LLC 071708 Authorize.Net LLC ( Authorize.Net ) has made efforts to ensure the

More information

Merchant Integration Guide

Merchant Integration Guide Merchant Integration Guide Card Not Present Transactions January 2012 Authorize.Net Developer Support http://developer.authorize.net Authorize.Net LLC 082007 Ver.2.0 Authorize.Net LLC ( Authorize.Net )

More information

Table of Contents. Revision 2.0-2 -

Table of Contents. Revision 2.0-2 - Table of Contents Introduction...3 Payment Processing: How it Works...4 Immediate Transaction Processing...5 Delayed Transaction Processing...7 Delayed Transaction Processing: Phase 1 - Authorization...7

More information

VeriSign PKI Client Government Edition v 1.5. VeriSign PKI Client Government. VeriSign PKI Client VeriSign, Inc. Government.

VeriSign PKI Client Government Edition v 1.5. VeriSign PKI Client Government. VeriSign PKI Client VeriSign, Inc. Government. END USER S GUIDE VeriSign PKI Client Government Edition v 1.5 End User s Guide VeriSign PKI Client Government Version 1.5 Administrator s Guide VeriSign PKI Client VeriSign, Inc. Government Copyright 2010

More information

Payflow Link Recurring Billing Service User s Guide

Payflow Link Recurring Billing Service User s Guide Payflow Link Recurring Billing Service User s Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l'instant. Last

More information

Virtual Terminal User s Guide

Virtual Terminal User s Guide Virtual Terminal User s Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l instant. Last updated: August 2009 PayPal

More information

VeriSign Payment Services

VeriSign Payment Services VeriSign Payment Services Fraud Protection Services Guide USER GUIDE Customer Support: 1-888-883-9770 vps-support@verisign.com VeriSign, Inc. 00010197/Rev. 2 VeriSign Payment Services Fraud Protection

More information

Virtual Terminal User s Guide

Virtual Terminal User s Guide Virtual Terminal User s Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l instant. Last updated: June 2008 PayPal

More information

Authorize.Net Mobile Application

Authorize.Net Mobile Application Authorize.Net Mobile Application Android User Guide October 2015 Authorize.Net Developer Support http://developer.authorize.net Authorize.Net LLC 082007 Ver.2.0 Authorize.Net LLC ( Authorize.Net ) has

More information

Processor Setup Guide

Processor Setup Guide Processor Setup Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l instant. Last updated: June 2009 Processor Setup

More information

Volume PLANETAUTHORIZE PAYMENT GATEWAY. vtiger CRM Payment Module. User Guide

Volume PLANETAUTHORIZE PAYMENT GATEWAY. vtiger CRM Payment Module. User Guide Volume 2 PLANETAUTHORIZE PAYMENT GATEWAY vtiger CRM Payment Module User Guide S A L E M A N A G E R M E R C H A N T S E R V I C E S User Guide and Installation Procedures Information in this document,

More information

Authorize.Net Mobile Application

Authorize.Net Mobile Application Authorize.Net Mobile Application ios User Guide October 2015 Authorize.Net Developer Support http://developer.authorize.net Authorize.Net LLC 082007 Ver.2.0 Authorize.Net LLC ( Authorize.Net ) has made

More information

Order Processing Guide

Order Processing Guide Yahoo! Merchant Solutions Order Processing Guide Version 1.0 PROCESSING CREDIT CARD ORDERS 1 PROCESSING CREDIT CARD ORDERS Contents Note: If your store already has online credit card processing set up,

More information

Ecommerce Setup Wizard Site Setup Wizards

Ecommerce Setup Wizard Site Setup Wizards Ecommerce Setup Wizard Site Setup Wizards ecommerce Setup Wizard Before you begin this wizard you must first set up your ecommerce gateway This wizard will require information that is provided to you by

More information

BUSINESS GUIDE. Online Payment Processing. What You Need to Know

BUSINESS GUIDE. Online Payment Processing. What You Need to Know Online Payment Processing What You Need to Know CONTENTS + Introduction 3 + Online Payment Processing Basics 4 + The Payment Processing Network 4 + How Payment Processing Works 5 + What You Should Know

More information

Extended Validation SSL

Extended Validation SSL AUTHENTICATION GUIDE Extended Validation SSL Authentication Requirements VeriSign, Inc. Copyright 2006 VeriSign, Inc. All rights reserved. The information in this document belongs to VeriSign. It may not

More information

Virtual Terminal User s Guide

Virtual Terminal User s Guide Virtual Terminal User s Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l instant. Last updated: June 2009 PayPal

More information

itransact Gateway Fast Start Guide

itransact Gateway Fast Start Guide itransact Gateway Fast Start Guide itransact Gateway Fast Start Guide Table of Contents 1. Version and Legal Information... 1 2.... 2 Quick Setup... 2 The Card Setup... 2 Order Form Setup... 3 Simple

More information

VeriSign Payment Services

VeriSign Payment Services DEVELOPER S GUIDE VeriSign Payment Services Payflow Pro Developer s Guide VeriSign, Inc. 00016773/Rev. 3 VeriSign Payment Services Payflow Pro Developer s Guide Copyright 1998-2005 VeriSign, Inc. All rights

More information

Processor Setup Guide

Processor Setup Guide Processor Setup Guide Last updated: January 2014 Processor Setup Guide Document Number: 100003.en_US-201401 2014 PayPal, Inc. All rights reserved. PayPal is a registered trademark of PayPal, Inc. The PayPal

More information

First Data Global Gateway Virtual Terminal User Manual. Version 1.0

First Data Global Gateway Virtual Terminal User Manual. Version 1.0 First Data Global Gateway Virtual Terminal User Manual Version 1.0 Table of Contents 1 Introduction 5 1.1 First Data Global Gateway Virtual Terminal Overview 5 1.1.1 Processing Transactions 5 1.1.2 Managing

More information

Yahoo! Merchant Solutions. Order Processing Guide

Yahoo! Merchant Solutions. Order Processing Guide Yahoo! Merchant Solutions Order Processing Guide Credit Card Processing How It Works The following charts provide an overview of how online credit card processing works. Credit Card processing for Yahoo!

More information

Merchant Interface Online Help Files

Merchant Interface Online Help Files Merchant Interface Online Help Files REGAL t e c h n o l o g i e s t h e f u t u r e o f p a y m e n t s Table of Contents Merchant Interface Online Help Files... 1 Tools... 2 Virtual Terminal... 7 Submit

More information

Skipjack ezpay Secure Online Order Form User Guide

Skipjack ezpay Secure Online Order Form User Guide Skipjack ezpay Secure Online Order Form User Guide About this Document...3 Copyright Notice... 3 Publication History... 3 Documentation Conventions... 4 Assumptions Used in this Guide... 4 Obtaining Additional

More information

Testing Transactions

Testing Transactions Before you activate your website or application for use by buyers, test your integration. A simulated payment network handles transactions, enabling you to verify the configuration and operation of your

More information

First Data Global Gateway Connect User Manual. Version 1.3

First Data Global Gateway Connect User Manual. Version 1.3 First Data Global Gateway Connect User Manual Version 1.3 09.18.2009 Table of Contents 1 Introduction 5 1.1 Overview 5 First Data Global Gateway Connect1.1.1 Business Features 5 1.1.2 Secure Sockets Layer

More information

Extended Validation SSL

Extended Validation SSL AUTHENTICATION GUIDE Extended Validation SSL Authentication Requirements VeriSign, Inc. Copyright 2007 VeriSign, Inc. All rights reserved. The information in this document belongs to VeriSign. It may not

More information

Authentication Guide

Authentication Guide Authentication Guide Copyright 2006 thawte, Inc. All rights reserved. The information in this document belongs to thawte. It may not be used, reproduced or disclosed without the written approval of thawte.

More information

CyberSource Business Center Simple Order API

CyberSource Business Center Simple Order API CyberSource Business Center Simple Order API User s Guide Simple Order API June 2006 CyberSource Contact Information For technical support questions, go to the Home page in the Business Center to see the

More information

Website Payments Standard Integration Guide

Website Payments Standard Integration Guide Website Payments Standard Integration Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l instant. Last updated:

More information

Merchant e-solutions Payment Gateway Back Office User Guide. Merchant e-solutions January 2011 Version 2.5

Merchant e-solutions Payment Gateway Back Office User Guide. Merchant e-solutions January 2011 Version 2.5 Merchant e-solutions Payment Gateway Back Office User Guide Merchant e-solutions January 2011 Version 2.5 This publication is for information purposes only and its content does not represent a contract

More information

Virtual Terminal User Guide

Virtual Terminal User Guide Virtual Terminal User Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l'instant. Last Updated: 2005 PayPal Virtual

More information

The DirectOne E-Commerce System

The DirectOne E-Commerce System The DirectOne E-Commerce System SecurePay Pty. Ltd. Level 4, 20 Queen St Melbourne 3000 Australia November 05 Contents INTRODUCTION 3 WELCOME TO THE DIRECTONE E-COMMERCE SYSTEM 3 AN OVERVIEW OF E-COMMERCE

More information

Super Resellers // Getting Started Guide. Getting Started Guide. Super Resellers. AKJZNAzsqknsxxkjnsjx Getting Started Guide Page 1

Super Resellers // Getting Started Guide. Getting Started Guide. Super Resellers. AKJZNAzsqknsxxkjnsjx Getting Started Guide Page 1 Getting Started Guide Super Resellers Getting Started Guide Page 1 Getting Started Guide: Super Resellers Version 2.1 (1.6.2012) Copyright 2012 All rights reserved. Distribution of this work or derivative

More information

Setting Up a CyberSource Web Payment Account

Setting Up a CyberSource Web Payment Account Setting Up a CyberSource Web Payment Account Contents Setting Up a CyberSource Web Payment Account... 1 Introduction... 1 Setting Up a CyberSource Account... 2 Get Username and Password... 2 Log in to

More information

Distributor Control Center Private Label/Channel Administrators

Distributor Control Center Private Label/Channel Administrators March 13, 2014 Distributor Control Center Private Label/Channel Administrators Version 2.6.3 Everyone.net Table of Contents Distributor Control Center... 1 1 The Distributor Control Center... 4 1.1 Introduction...

More information

Skipjack Merchant User Guide. Quick Guide. (a supplement to the Merchant User Guide)

Skipjack Merchant User Guide. Quick Guide. (a supplement to the Merchant User Guide) Skipjack Merchant User Guide Quick Guide (a supplement to the Merchant User Guide) COPYRIGHT INFORMATION Evolve Adaptive Technology and Skipjack Financial Services are registered trademarks of the Bradley-Madison

More information

CyberSource and NetSuite Getting Started Guide

CyberSource and NetSuite Getting Started Guide CyberSource and NetSuite Getting Started Guide Abstract A comprehensive guide to setting up CyberSource and NetSuite to accept payments Table of Contents This document explains the different steps to set

More information

Refer to the Integration Guides for the Connect solution and the Web Service API for integration instructions and issues.

Refer to the Integration Guides for the Connect solution and the Web Service API for integration instructions and issues. Contents 1 Introduction 4 2 Processing Transactions 5 2.1 Transaction Terminology 5 2.2 Using Your Web Browser as a Virtual Point of Sale Machine 6 2.2.1 Processing Sale transactions 6 2.2.2 Selecting

More information

Gateway Developer Guide and Reference

Gateway Developer Guide and Reference Gateway Developer Guide and Reference PayPal Payments Advanced PayPal Payments Pro Payflow Pro Payflow Link The PDF version of this guide is no longer maintained. For the latest updates, please refer to

More information

Contents. 2 Welcome. 20 Settings. 3 Activation Steps. 4 Introduction. 4 Purpose. 20 Offline Mode Change Password. 5 Key Features

Contents. 2 Welcome. 20 Settings. 3 Activation Steps. 4 Introduction. 4 Purpose. 20 Offline Mode Change Password. 5 Key Features User s Guide Contents 2 Welcome 3 Activation Steps 4 Introduction 4 Purpose 5 Key Features 6 Activation 8 Using the System 8 Login 9 Credit Sale 10 For Swipe Capable Devices 10 For Manual Entry 12 Cash

More information

CHARGE Anywhere Universal Shopping Cart

CHARGE Anywhere Universal Shopping Cart CHARGE Anywhere Universal Shopping Cart Version: v1.0.1 Prepared for: CHARGE Anywhere 4041B Hadley Rd South Plainfield, NJ 07080 Phone: + 1 (800)211-1256 Fax: + 1 (732) 417-4448 I. Introduction... 3 II.

More information

CHARGE Anywhere. Mobile POS. User s Guide

CHARGE Anywhere. Mobile POS. User s Guide CHARGE Anywhere Palm Treo Mobile POS User s Guide 1 PURPOSE... 4 2 SCOPE... 4 3 DEFINITIONS... 4 3.1 Quick Sale... 4 3.2 Sale... 4 3.3 Auth Only... 4 3.4 Force... 4 3.5 Void... 4 3.6 Retry... 4 3.7 Return...

More information

REDFIN Document Version 2.07.0415-a

REDFIN Document Version 2.07.0415-a REDFIN NETWORK PAYMENT GATEWAY Document Version 2.07.0415-a Copyright 2001-08 Secured Financial Network, Inc. All Rights Reserved Table of Contents Introduction...4 Overview...5 Ch 1: Beginning to Use

More information

United Payment Services My Merchant Console Connect SecurePAY User Guide

United Payment Services My Merchant Console Connect SecurePAY User Guide United Payment Services My Merchant Console Connect SecurePAY User Guide. 1 United Payment Services, Inc ( United Payment Services ) has made efforts to ensure the accuracy and completeness of the information

More information

PayWithIt for Android Devices User Guide Version 1.0.0

PayWithIt for Android Devices User Guide Version 1.0.0 PayWithIt for Android Devices User Guide Table of Contents About PayWithIt... 1 Installing PayWithIt... 1 Logging on to PayWithIt... 2 Logging Off from PayWithIt... 2 Configuring PayWithIt Settings...

More information

ecommerce Advantage 7.0 User Guide

ecommerce Advantage 7.0 User Guide ecommerce Advantage 7.0 User Guide 2002 Nodus Technologies - All Rights Reserved ECOMMERCE ADVANTAGE 7.0 USER GUIDE 2 Table of Contents TABLE OF CONTENTS...2 INTRODUCTION...5 PRODUCT FEATURES...6 TERMS

More information

Payflow Fraud Protection Services User s Guide

Payflow Fraud Protection Services User s Guide Payflow Fraud Protection Services User s Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l instant. Last updated:

More information

Credit & Debit Application

Credit & Debit Application USER MANUAL ALL TERMINAL PRODUCTS Credit & Debit Application Magic Models: C5, X5, X8, M3, M8 V Series Models: V5, V8, V9, V8 Plus, V9 Plus 1 Dejavoo Systems Instruction Manual V429.12 Instruction Manual

More information

Merchant Interface Online Help Files

Merchant Interface Online Help Files Merchant Interface Online Help Files Table of Contents Merchant Interface Online Help Files... 5 Tools... 6 Virtual Terminal... 7 Submit a Credit Card Charge... 7 Submit a Credit Card Refund... 9 Submit

More information

Version 15.3 (October 2009)

Version 15.3 (October 2009) Copyright 2008-2010 Software Technology, Inc. 1621 Cushman Drive Lincoln, NE 68512 (402) 423-1440 www.tabs3.com Portions copyright Microsoft Corporation Tabs3, PracticeMaster, and the pinwheel symbol (

More information

PDG Shopping Cart 4.0. Quick Start Guide

PDG Shopping Cart 4.0. Quick Start Guide PDG Shopping Cart 4.0 Quick Start Guide , Inc. 1751 Montreal Circle, Suite B Tucker, Georgia 30084-6802 Copyright 1998-2004 PDG Software, Inc.; All rights reserved. PDG Software, Inc. ("PDG Software")

More information

End-User Reference Guide

End-User Reference Guide Guide Websense Advanced Email Encryption v7.6 Websense Advanced Email Encryption Copyright 1996-2011 Websense, Inc. All rights reserved. This document contains proprietary and confidential information

More information

End-User Reference Guide

End-User Reference Guide Guide Websense Advanced Email Encryption v7.6 Contents Receiving secure email....................................... 1 How do I open a secure message?............................ 1 How do I register for

More information

WinSen Online Payment / Prelease Service

WinSen Online Payment / Prelease Service WinSen Online Payment / Prelease Service SENTINEL SYSTEMS CORPORATION 1620 Kipling St Lakewood, CO 80215 800-456-9955 303-242-2010 FAX www.sentinelsystems.com Revised 11/06/2006 Introduction This service

More information

Cofred Automated Payments Interface (API) Guide

Cofred Automated Payments Interface (API) Guide Cofred Automated Payments Interface (API) Guide For use by Cofred Merchants. This guide describes how to connect to the Automated Payments Interface (API) www.cofred.com Version 1.0 Copyright 2015. Cofred.

More information

My Sage Pay User Manual

My Sage Pay User Manual My Sage Pay User Manual Page 1 of 32 Contents 01. About this guide..4 02. Getting started.4 Online help Accessing My Sage Pay Test Servers Live Servers The Administrator account Creating user accounts

More information

United Payment Services My Merchant Console Connect Virtual Terminal User Guide

United Payment Services My Merchant Console Connect Virtual Terminal User Guide United Payment Services My Merchant Console Connect Virtual Terminal User Guide. 1 United Payment Services, Inc ( United Payment Services ) has made efforts to ensure the accuracy and completeness of the

More information

Merchant User Manual

Merchant User Manual PIVOTAL PAYMENTS PAYMENT SERVER Document Version 2.07.0415 Copyright 2007-2008 Pivotal Payments Inc. All Rights Reserved. Visit us at: www.pivotalpayments.com Merchant User Manual Congratulations on the

More information

Contents. Contents... i. Chapter 1 Introduction...1. Chapter 2 Using PSiGate...9. Index...25

Contents. Contents... i. Chapter 1 Introduction...1. Chapter 2 Using PSiGate...9. Index...25 Using PSiGate Contents i Contents Contents... i Chapter 1 Introduction...1 How to Apply for an Account...4 Set Up a Merchant Account Profile...6 Chapter 2 Using PSiGate...9 PSiGate from the Customer s

More information

Merchant User Manual PAYMENT GATEWAY

Merchant User Manual PAYMENT GATEWAY PAYMENT GATEWAY Document Version 1304301 Copyright 2013 epaymentamerica, Inc. All Rights Reserved Table of Contents Introduction... 4 Overview... 5 Ch 1: Beginning to Use EPA Gateway.. 6 Logon as a Merchant...6

More information

Fax Cover Sheet and Application Checklist Attention: Craig Storms Company: Authorize.Net

Fax Cover Sheet and Application Checklist Attention: Craig Storms Company: Authorize.Net Fax Cover Sheet and Application Checklist Attention: Craig Storms From: Company: Authorize.Net Date: Fax Number: (801) 492-6546 Total No. of Pages (including cover): Reseller Reseller ID: 11296 Checklist

More information

Authorize.net FAQs. How do I change the email addresses associated with my account, if I do not have User Administration?

Authorize.net FAQs. How do I change the email addresses associated with my account, if I do not have User Administration? How do I Edit My Merchant Profile to update my business information? To edit your business information as listed in the Merchant Profile of your account: 1: Login to your Merchant Interface at https://account.authorize.net.

More information

MiGS Virtual Payment Client Integration Guide. July 2011 Software version: MR 27

MiGS Virtual Payment Client Integration Guide. July 2011 Software version: MR 27 MiGS Virtual Payment Client Integration Guide July 2011 Software version: MR 27 Copyright MasterCard and its vendors own the intellectual property in this Manual exclusively. You acknowledge that you must

More information

INTEGRATION PROCEDURES AND SPECIFICATIONS

INTEGRATION PROCEDURES AND SPECIFICATIONS ipos Credit Card Payment Gateway INTEGRATION PROCEDURES AND SPECIFICATIONS Revision 7 Contents Contents 2 Introduction 3 ipos the simple online credit card solution 3 The Transaction Flow 4 Security 7

More information

Customising Your Mobile Payment Pages

Customising Your Mobile Payment Pages Corporate Gateway Customising Your Mobile Payment Pages V2.0 May 2014 Use this guide to: Understand how to customise your payment pages for mobile and tablet devices XML Direct Integration Guide > Contents

More information

An access number, dialed by a modem, that lets a computer communicate with an Internet Service Provider (ISP) or some other service provider.

An access number, dialed by a modem, that lets a computer communicate with an Internet Service Provider (ISP) or some other service provider. TERM DEFINITION Access Number Account Number Acquirer Acquiring Bank Acquiring Processor Address Verification Service (AVS) Association Authorization Authorization Center Authorization Fee Automated Clearing

More information

Getting Started with PayPal Manager

Getting Started with PayPal Manager Getting Started with PayPal Manager For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l'instant. Last Updated: June 2006

More information

PowerPay User Guide. Table of Contents

PowerPay User Guide. Table of Contents Table of Contents Table of Contents... 1 About this Document... 2 Copyright Notice... 3 Publication History... 3 Documentation Conventions... 4 Obtaining Additional Development Information and Documentation...

More information

PAYMENT GATEWAY AND OPTIONAL MERCHANT ACCOUNT SETUP FORM

PAYMENT GATEWAY AND OPTIONAL MERCHANT ACCOUNT SETUP FORM AR ID: 102291 Name: IRIS Sytems PAYMENT GATEWAY AND OPTIONAL MERCHANT ACCOUNT SETUP FORM ATTENTION: David Glass Phone Number: 801-492-6509, Fax Number: 801-492-6546, E-mail Address: dglass@authorize.net

More information

Skipjack Merchant Services Guide

Skipjack Merchant Services Guide Skipjack Merchant Services Guide COPYRIGHT INFORMATION Skipjack Financial Services and Skipjack Transaction Network are registered trademarks of the Bradley-Madison Company. It is the policy of Skipjack

More information

SPECIAL TERMS AND CONDITIONS PLEASE CONSIDER PRIOR TO PAYMENT

SPECIAL TERMS AND CONDITIONS PLEASE CONSIDER PRIOR TO PAYMENT SPECIAL TERMS AND CONDITIONS PLEASE CONSIDER PRIOR TO PAYMENT Australian customers only. The National Solar Safety Check (Service) involves an onsite visit and report by an Accredited Master Electricians

More information

Virtual Terminal & Online Portal

Virtual Terminal & Online Portal Authipay Gateway Virtual Terminal & Online Portal User Guide Version 5 (EMEA) Virtual Terminal & Online Portal User Guide Version 5 (EMEA) CONTENTS 1 Introduction... 5 2 Processing Transactions... 6 2.1

More information

Credit Card Advantage 7.0

Credit Card Advantage 7.0 Credit Card Advantage 7.0 For Small Business Manager User Guide 2002 Nodus Technologies - All Rights Reserved CREDIT CARD ADVANTAGE 7.0 USER GUIDE 2 Table of Contents TABLE OF CONTENTS...2 INTRODUCTION...6

More information

Getting Started Guide

Getting Started Guide Page 2 of 9 Introduction This guide is designed to provide you with the information you need to complete your Payment Gateway account set up and begin processing live payment transactions. As a quick overview,

More information

PayPal Payments Standard Integration Guide

PayPal Payments Standard Integration Guide PayPal Payments Standard Integration Guide Last updated: October 2012 PayPal Payments Standard Integration Guide Document Number: 100000.en_US-201210 2012 PayPal, Inc. All rights reserved. PayPal is a

More information

MiGS Merchant Administration User Manual. MiGS User Manual

MiGS Merchant Administration User Manual. MiGS User Manual MiGS Merchant Administration User Manual MiGS User Manual June 2006 MasterCard International Copyright The information contained in this manual is proprietary and confidential to MasterCard International

More information

U S E R S G U I D E Last Modified: 12/06/2012 1

U S E R S G U I D E Last Modified: 12/06/2012 1 USER S GUIDE Last Modified: 12/06/2012 1 Contents 2 Welcome 3 User Service Activation 4 Introduction 4 Purpose 5 Key Features 6 Activate 8 Using the System 8 Login 9 Credit Sale 10 For Swipe Capable Devices

More information

CyberSource PayPal Services Implementation Guide

CyberSource PayPal Services Implementation Guide CyberSource PayPal Services Implementation Guide Simple Order API SCMP API September 2015 CyberSource Corporation HQ P.O. Box 8999 San Francisco, CA 94128-8999 Phone: 800-530-9095 CyberSource Contact Information

More information

Address Verification System (AVS) Checking

Address Verification System (AVS) Checking Address Verification System (AVS) Checking The Address Verification System (AVS) is a service provided by credit card Issuers intended to authenticate the Purchaser (Customer) as the authorized cardholder.

More information

A Reseller s Guide to Using Helm

A Reseller s Guide to Using Helm A Reseller s Guide to Using Helm Table of Contents ABOUT HELM AND THIS GUIDE...4 1.) LOGGING INTO HELM...5 2.) CHANGING YOUR PASSWORD...5 3.) CUSTOMIZING YOUR CONTROL PANEL...6 STEP 1: GLOBAL SETTINGS...

More information

Elavon Payment Gateway - Redirect Integration Guide

Elavon Payment Gateway - Redirect Integration Guide Elavon Payment Gateway - Redirect Integration Guide Version: v1.1 Table of Contents 1 About This Guide 3 1.1 Purpose 3 1.2 Audience 3 1.3 Prerequisites 3 1.4 Related Documents 3 2 Elavon Payment Gateway

More information

End-User Reference Guide

End-User Reference Guide Guide Websense Advanced Email Encryption v7.x Websense Advanced Email Encryption Copyright 1996-2014 Websense, Inc. All rights reserved. This document contains proprietary and confidential information

More information

MySagePay. User Manual. Page 1 of 48

MySagePay. User Manual. Page 1 of 48 MySagePay User Manual Page 1 of 48 Contents About this guide... 4 Getting started... 5 Online help... 5 Accessing MySagePay... 5 Supported browsers... 5 The Administrator account... 5 Creating user accounts...

More information

Contents. 4 Welcome to ATBOnline Business. 5 How to Use This Guide

Contents. 4 Welcome to ATBOnline Business. 5 How to Use This Guide Contents 4 Welcome to ATBOnline Business 5 How to Use This Guide 6 Roles and Entitlements in ATBOnline Business 6 Administrator Role 6 User Roles 6 Transaction Limits 7 User Procedures 7 Accessing ATBOnline

More information

TIBCO Spotfire Automation Services 6.5. User s Manual

TIBCO Spotfire Automation Services 6.5. User s Manual TIBCO Spotfire Automation Services 6.5 User s Manual Revision date: 17 April 2014 Important Information SOME TIBCO SOFTWARE EMBEDS OR BUNDLES OTHER TIBCO SOFTWARE. USE OF SUCH EMBEDDED OR BUNDLED TIBCO

More information

Accepting Ecommerce Payments & Taking Online Transactions

Accepting Ecommerce Payments & Taking Online Transactions Accepting Ecommerce Payments & Taking Online Transactions Accepting credit and debit cards is mandatory for Ecommerce websites. This method is fast and efficient for you and your customers and with the

More information

CaseWare Time. CaseWare Cloud Integration Guide. For Time 2015 and CaseWare Cloud

CaseWare Time. CaseWare Cloud Integration Guide. For Time 2015 and CaseWare Cloud CaseWare Time CaseWare Cloud Integration Guide For Time 2015 and CaseWare Cloud Copyright and Trademark Notice Copyright. 2015 CaseWare International Inc. ( CWI ). All Rights Reserved. Use, duplication,

More information

Quick Shopping Cart QuickBooks Integration

Quick Shopping Cart QuickBooks Integration Quick Shopping Cart QuickBooks Integration Installing and Configuring QuickBooks This guide walks you through setting up the Intuit QuickBooks Merchant Service (QBMS) payment gateway (where available)

More information

Getting Started Guide. Getting Started With Quick Shopping Cart. Setting up and configuring your online storefront.

Getting Started Guide. Getting Started With Quick Shopping Cart. Setting up and configuring your online storefront. Getting Started Guide Getting Started With Quick Shopping Cart Setting up and configuring your online storefront. Getting Started with Quick Shopping Cart Version 1.2 (12.17.08) Copyright 2007. All rights

More information

Mail & Telephone Order Payments Service (WorldAccess) Guide. Version 4.3 February 2014 Business Gateway

Mail & Telephone Order Payments Service (WorldAccess) Guide. Version 4.3 February 2014 Business Gateway Mail & Telephone Order Payments Service (WorldAccess) Guide Version 4.3 February 2014 Business Gateway Table Of Contents About this Guide... 1 Update History... 1 Copyright... 1 Introduction... 2 What

More information

ANZ Secure Gateway Virtual Terminal QUICK REFERENCE GUIDE NOVEMBER 2015

ANZ Secure Gateway Virtual Terminal QUICK REFERENCE GUIDE NOVEMBER 2015 ANZ Secure Gateway Virtual Terminal QUICK REFERENCE GUIDE NOVEMBER 2015 2 Contents Welcome 3 1. Getting Started 4 1.1 Virtual Terminal Activation 4 2. Configuring the Virtual Terminal 7 2.1 General Settings

More information

Merchant Web Services API

Merchant Web Services API Merchant Web Services API Advanced Integration Method (AIM) XML Guide February 2013 Authorize.Net Developer Support http://developer.authorize.net Authorize.Net LLC 082007 Ver.2.0 Authorize.Net LLC ( Authorize.Net

More information

Swedbank Payment Portal Implementation Overview

Swedbank Payment Portal Implementation Overview Swedbank Payment Portal Implementation Overview Product: Hosted Pages Region: Baltics September 2015 Version 1.0 Contents 1. Introduction 1 1.1. Audience 1 1.2. Hosted Page Service Features 1 1.3. Key

More information

Welcome to the Drupal How to Guide for Business/Association Member

Welcome to the Drupal How to Guide for Business/Association Member www.webprophets.com.au PO Box 2007 St Kilda West Victoria Australia 3182 Phone +61 3 9534 1800 Fax +61 3 9534 1100 Email info@webprophets.com.au Web www.webprophets.com.au Welcome to the Drupal How to

More information