INTERNET PAYMENT GATEWAY GUIDELINES
|
|
- Anna Arline Griffith
- 8 years ago
- Views:
Transcription
1 INTERNET PAYMENT GATEWAY GUIDELINES FOR PAYMENT PROCESSING MODEL AND VENDOR SELECTION The purpose of this document is to assist University of California campuses and departments in selecting an internet payment gateway provider for internet commerce applications. The recommendations in this document are the result of a system-wide initiative undertaken by the Banking Services Group (BSG) during Fiscal year 2001/2002. They are based on services, pricing and agreements negotiated by BSG on behalf of the entire UC community. Although use of these vendors by any campus or department is not mandatory, use of these services and agreements are strongly recommended. Due to the substantial benefits in pricing and negotiating power we were able to achieve with a system-wide relationship with these vendors, and considering that the agreements will already be in place, use of them should prove beneficial to all involved. Any services used by any UC organization falling outside of these systemwide arrangements, whether they exist prior to or subsequent to the establishment of these system-wide agreements, should be reported and justified to the Banking Services Group (see Contact Information below). Background BSG initiated the project to find a system-wide provider of Internet Payment Gateway (IPG) services in July All campuses were invited to participate in the following ways: Submitting their requirements for an Internet Payment Gateway Attending meetings to discuss the project Submitting comments on the Request for Proposal (RFP), the vendor list, and the evaluation process Scoring the written proposals submitted Scoring the presentations made by the Finalists The RFP, issued November 1, 2001, incorporated consolidated requirements for all campuses that submitted them. Two different types of solutions were requested: (1) Outsourced model, utilizing a hosted transaction gateway/asp pricing model; (2) In-House model, assuming a software purchase run on our own servers While most campuses did not, at the time, feel that an In-House solution was feasible for them, the possibility of UCOP hosting an In-House solution that could be utilized by other campuses was presented as an option. This essentially would allow campuses to
2 Guidelines for IPG Processing Model Page 2 of 12 operate in an Outsourced mode, while gaining the benefits available with an In-House solution. The RFP was sent to 17 vendors and was posted to a public website hosted by UCOP. 11 proposals were received, including four that were unsolicited. Eight campuses (including UCOP) submitted scores on the proposals. Each campus score had equal weight. Based on the scores submitted, using the cost per quality point method for evaluation (which UC is required to use for procurement of these services) three Finalists were named - two providing both In-House and Outsourced solutions and one providing just an Outsourced solution. The finalists gave business and technical presentations to a system-wide audience. Eight campuses submitted scores for the presentation phase. Based on the combined scores from the written proposals and the presentations, as well as reference checks and further financial analysis made by BSG, the following vendors were awarded the Internet Payment Gateway UC System-wide business: Outsourced Transaction Gateway Cybersource Authorize.net In-House Software Purchase Cybersource Outsourced versus In-house Solutions Because of the very diverse needs within the University of California system, we anticipate that there is no single solution that can meet each and every need that exists within the system. Campuses with very decentralized IT and financial management may find it impractical to purchase and support an in-house payment gateway. Campuses with the right infrastructure and organizational alignment may choose to make the up-front investment for an in-house solution, benefiting from the increased control of their data and processes. A third option is also possible, where UCOP hosts a payment gateway (i.e. a software installation) that can be accessed by other campuses or departments. This would allow the campuses to operate in an outsourced model, yet provide the benefits of an in-house solution (e.g. control over data, more flexible reporting, increased business flexibility). To assist in this important decision, we ve put together the following comparison chart:
3 Guidelines for IPG Processing Model Page 3 of 12 Factor Outsource In-House Cost Deployment Timeframe Ongoing Support Reporting & Integration with Existing Systems Business Flexibility Lower start-up cost. Does not generally require investment in hardware or software. Pay per transaction. Typical implementation timeframe is measured in days Minimal maintenance required in-house. Rely on vendor for support. Reporting is limited to what is provided by the vendor. No direct access to transaction data. Limited availability of data fields that can be used for userdefined data. Vendors generally provide one or two, character fields to store this type of data in their data base. Can direct transactions to different processors and merchant banks, since each merchant is set up independently. Settlement process and timing is dictated by vendor. Limited to one settlement per day. No ability to initiate settlement process manually. Bank debit transactions must go through vendor s partner and bank relationships. Requires up-front investment in hardware, software and telecommunications. Generally becomes cost effective with high volume of transactions, however the breakeven point must be calculated based on specific project costs. Typical implementation timeframe is 1-3 months Requires ongoing maintenance and support in-house, along with vendor support via Software Maintenance Agreement. Transaction data resides inhouse. Maximum flexibility for reporting. More flexibility to store userdefined fields. Connections to the processor(s) must be built, making it costly to support multiple processor relationships. Flexibility over settlement timing. Merchants can choose from five different settlement options (time, periodic, dollars, batch size, manual). Bank debit transactions can utilize UC s existing bank relationships.
4 Guidelines for IPG Processing Model Page 4 of 12 Factor Outsource In-House Business Flexibility (cont d) Data Security Cannot consolidate card-present transactions into data base, at least initially. When the functionality becomes available, those transactions would be assessed a transaction fee. Credit card numbers and other sensitive data stored by vendor. Access determined by vendor s security procedures. Can consolidate card-present transactions into the data base without additional transaction cost. Credit card numbers and other sensitive data stored on site. UC is responsible for securing the data and controlling access to it.
5 Guidelines for IPG Processing Model Page 5 of 12 Vendor Summaries While selecting two outsourcing vendors was not the initial intent of the process, offering both, we believe, is the best way to meet the very diverse needs of the UC system. The vendor proposals and presentations are posted on the password protected web site listed below. Contact BSG (see Contact information below) for access. Authorize.net Summary Authorize.net is a wholly owned subsidiary of InfoSpace. They clearly won the UC business based on their extremely low price. Though they scored consistently lower in all Requirements categories, they ended up with the top score on a cost per quality point basis. While we do not recommend this vendor for enterprise-level applications, we feel that the value proposition they provide will meet many standalone or department-level needs within the UC system. Their average daily transaction volume is 133,300. There are no start-up costs to use this service. Implementation is generally accomplished using documentation and FAQ s available on Authorize.net s web site, with customer/technical support via telephone and . Transaction cost is $0.03 (total cost for authorization and settlement) along with a $10 per month charge per merchant. They do offer the ability to initiate bank debits as well as credit card payments, however until BSG has approved the bank relationships used in the process, that functionality cannot be utilized. The functionality of the system, reporting and technical infrastructure are basic, but do meet our minimum standards. Because the system has limited capability to view Merchant activity on a consolidated basis, and is not designed to offer hierarchical relationships (i.e. limited ability to view and control individual merchant activity at a campus-wide level), the best fit for this service would be simple, standalone, low-budget applications. Authorize.net does not offer an in-house solution, so if migration to an in-house solution (either hosted on campus or by UCOP), is being considered, a factor to keep in mind is that starting with Authorize.net would require redesign of the system interface at the time of migration.
6 Guidelines for IPG Processing Model Page 6 of 12 Cybersource Summary Cybersource is viewed as an industry leader in risk management and electronic payment technology for electronic payment processing. Its infrastructure is designed to ensure reliability, scalability, availability, security, and fraud protection for very large merchants, counting many Fortune 1000 companies among their customers. Their customer service and general corporate organization are also designed to support these types of clients (as opposed to servicing Mom and Pop - type merchants). Their average daily transaction volume is 500,000-2,000,000. Start-up cost for Transaction Services (outsourced mode) range from $100 - $746, depending on the hierarchical structure of the internet merchant accounts on the campus. Optional implementation support is offered, ranging in price from $3,371 - $7,496 with UC discounts applied. Without an implementation package, implementation support is offered via their Online Customer Support Center and . Transaction costs depend on UC s overall consolidated volume, ranging from $ $0.136 (total cost for authorization and settlement). Transactions may be subject to a minimum monthly charge. In addition to outsourced transaction gateway service, Cybersource also has an in-house software solution. They have a unified API which allows relatively easy migration from one mode to the other. We recommend this vendor for any enterprise level application, if a merchant needs to utilize Cybersource s robust offering of value-added services, or if a campus is planning to migrate from an outsourced to an in-house solution. While Cybersource offers the ability to initiate bank debits, until BSG has evaluated the bank relationships involved in the process that service cannot be utilized.
7 Guidelines for IPG Processing Model Page 7 of 12 Authorize.net versus Cybersource Comparison To assist in deciding between Outsourcing Vendors, we have prepared the following side by side comparison. Category Authorize.Net Cybersource General Characteristics of Service and Vendor Value-added Services Simple and basic provider for department-level applications. Product designed primarily for standalone merchants with limited need for roll-up of transactions and information (i.e. system is not designed for hierarchical merchant relationships). Only provides outsourced solution. Significant portion of merchant growth is through Reseller relationships. For additional cost, can utilize third party services for fraud screening and customer authentication services. Other merchant-defined filters available. Consulting services available through their Solutions Group on a per hour basis. Quotes are based on service needed. Robust infrastructure and technology ensures full scalability, reliability and service for complex, enterprise-level customers. Numerous valueadded services add to product functionality and customer service options. Was also awarded in-house IPG business. Uses unified API which allows, from a merchant s perspective, relatively easy migration from outsourced to in-house solution. Maintains strategic relationships with major credit card associations and processors. Offers consulting services. For additional cost, can utilize services for risk/fraud detection, tax calculation, distribution control, fulfillment management, gift certificate/promotional services. Merchants can flag credit card numbers to block future transactions. Consulting services available through their Professional Services Group. Quotes are based on service needed.
8 Guidelines for IPG Processing Model Page 8 of 12 Category Authorize.Net Cybersource Relevant Credit Card Processor Certification First Data Corp Nashville Vital Note: Most current UC merchants operate on the FDC North Platform. Our internet merchant authorization transactions would go through Nashville, with settlement transactions bridged to the North platform by FDC. First Data Corp Nashville First Data Corp South Vital Note: Most current UC merchants operate on the FDC North Platform. Our internet merchant authorization transactions would go through Nashville, with settlement transactions bridged to the North platform by FDC. Start-up Cost $0 $100 - $746 per merchant, depending on merchant account hierarchy in place at a campus. Transaction Cost New Merchant Start-up Process Batch Size Limitation $0.03 (total cost for authorization and settlement) $10 per month per merchant No monthly minimum Once a campus gets set up, merchants can be added by a campus administrator on-line in a matter of minutes. None Optional implementation support packages available for $3.4K - $7.5K, depending on the package selected. 1 $ $0.136 (total cost for authorization and settlement), depending on consolidated UC transaction volume. 2 Monthly minimum fees may apply, depending on how merchant accounts are structured. 2 Once a campus is set-up, merchants can be added by sending request form to Cybersource, with set-up complete in 1 day None 1 Descriptions of the Implementation Options are available from the Banking Services Group (contacts at the end of this document) or your campus Credit Card Coordinator 2 Due to the confidentiality of pricing, pricing specifics can be obtained by from the Banking Services group (contacts at the end of this document) or your campus Credit Card Coordinator.
9 Guidelines for IPG Processing Model Page 9 of 12 Category Authorize.Net Cybersource Batch Settlement Timing and Notification Business Functionality Data Access Access to Credit Card Numbers Reporting Once per day, time can be specified by the merchant notice sent upon batch settlement Ability to process card-present transactions due Q3/02 (only from PC-based terminals) On-line access for 24 rolling months. Offline available for seven years. Two user-defined fields available in data base, each 55 characters long. Other fields not stored in the data base can be sent with the transaction data and is re-associated with the transaction result returned back to the campus. Full credit card numbers stored and retrievable in data base. Can be masked by user ID. Only one hierarchy level available, reporting only summary information (using Reseller reporting tools). Detail level information is only available at the merchant level, using merchant-specific log-in. No customizable reports. Data can be downloaded in tabdelimited format. Once per day, around midnight (after our current processor s cut-off time) No notification of settlement No plans for card-present consolidation disclosed On-line access for six rolling months. No offline availability. One user-defined field stored in data base, 50 characters. Full credit card numbers not retrievable from data base for security reasons If Enterprise Support package is purchased, super-merchant signon is available, allowing those users the ability to view and consolidate transactions in subordinate merchant accounts. Transaction analysis tools available. 3 No customizable reports. Reports can be downloaded in XML or CSV formats. 3 For a description of the Enterprise Support Package, contact the Banking Services Group (contacts at the end of this document) or your campus Credit Card Coordinator
10 Guidelines for IPG Processing Model Page 10 of 12 Category Authorize.Net Cybersource Reporting (cont d) Gateway Interface Options System Reliability System Redundancy An unlimited amount of data can be sent to the gateway along with the transaction data that is used for the payment. Authorize.net will keep this data temporarily and re-associate it with the authorization response, and return all the data back to the merchant. HTTPS form post SSL socket C/C++ Perl Java COM objects 99.2% availability in % availability in 2001 System problems communicated via merchant web-site in general; under certain circumstance e- mails are sent. Details not disclosed Significant system problems communicated via . With Enterprise Support, will also receive phone call. 3 Robust and well-documented infrastructure for data, connection, and server redundancy Data Security Utilizes RSA 128 bit encryption Utilizes RSA 1024 private/public key encryption Disaster Recover Plan Billing Service Support DRP will be presented to Board of Directors 5/02, with target implementation by year-end Billing statements available electronically, via , or on paper. Billed by merchant, or rolled up to a consolidated bill per campus. Telephone and support: 6:00am 11pm PT, 7 X X 7 Operations Support available Well designed DRP (could not be shared). Warm back-up site outside of CA planned for Q2/02. Electronic and paper billing statements available. Can bill by merchant, campus, or systemwide. Telephone and support: 7:00am 7:00pm PT, M F 24 X 7 Operations Support available 3 For a description of the Enterprise Support Package, contact the Banking Services Group (contacts at the end of this document) or your campus Credit Card Coordinator
11 Guidelines for IPG Processing Model Page 11 of 12 Category Authorize.Net Cybersource Service Support (cont d) One level of Service offered, but UC will have a Relationship Manager available for escalation of issues. Basic Service includes telephone and support and access to Support Center. Premium Service (Enterprise Support) includes assigned Technical Support Manager, priority response and escalation of issues, and administrative and analytical tools not otherwise available. 3 Average call hold time: 2 5 minutes. Recent performance indicates hold times of under 2 minutes. Current customer satisfaction rating: 5.4 out of 6.0 scale 80% of calls answered within 10 seconds. Telephone Support: Basic: 4-hour response commitment, handled out of general service pool. Enterprise: Direct call to dedicated Technical Account Manager, 1-hour response guaranteed. 3 Call Abandon rate: 16% Call Abandon rate: 3% 24 hour turnaround for s Basic: 4 hour turnaround for e- mails Enterprise: 1 hour turnaround for s 3 3 For a description of the Enterprise Support Package, contact the Banking Services Group (contacts at the end of this document) or your campus Credit Card Coordinator
12 Guidelines for IPG Processing Model Page 12 of 12 Category Authorize.Net Cybersource Service Support (cont d) Training documentation on their web site. Training and implementation support available via online support center and . One day onsite training available for $3746. Optional implementation packages available for $ Includes orientation, planning assistance, technical support manager, and telephone support 1 1 Descriptions of the Implementation Options are available from the Banking Services Group (contacts at the end of this document) or your campus Credit Card Coordinator Service Initiation Until further notice, new service under any of the Agreements discussed in this document should be coordinated through the Banking Services Group. Contact Information This document, and future updated versions of it, will be posted on the Office of the Treasurer website at under Banking Services. For questions or comments, or to report internet payment gateway relationships outside of these preferred providers, please contact the Banking Services Group:, Senior Manager Stephanie.dang@ucop.edu Jerry Frantz, Assistant Director Jerome.frantz@ucop.edu Jeffrey Donahue, Senior Treasury Analyst Jeffrey.Donahue@ucop.edu
Merchant Payment Solutions
Merchant Payment Solutions Credit Card Processing Diagram CUSTOMER S CREDIT CARD ISSUING BANK CUSTOMER 4 5 $ MERCHANT S BUSINESS MERCHANT S BANK ACCOUNT MERCHANT S BANK 9 CREDIT CARD NETWORK 8 INTERNET
More informationMerchant 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 informationOnSite 7.0 Setting Up A Merchant Account
OnSite 7.0 Setting Up A Merchant Account ShopWorks 1655 Palm Beach Lakes Blvd. Ste 640 West Palm Beach, FL 33401 Ph: 561-491-6000 Fx: 561-491-6001 Rev. 01 Last Updated: 3/12/09 Table of Contents Introduction...
More informationMerchant Payment Solutions
Merchant Payment Solutions What We Do Connecting your Web site to the payment processing networks is typically beyond the technical resources of most merchants. Instead, you can easily connect to the Authorize.Net
More informationANZ 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 informationThe 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 informationMerchant Account Reports
Title Page Merchant Account Reports User Guide June 2014 CyberSource Corporation HQ P.O. Box 8999 San Francisco, CA 94128-8999 Phone: 800-530-9095 CyberSource Contact Information For general information
More informationThe Wells Fargo Payment Gateway Business Center. User Guide
The Wells Fargo Payment Gateway Business Center User Guide Contents 1 Introduction 1 About the Wells Fargo Payment Gateway service Business Center 1 About this guide 2 Access the Business Center 2 Log
More informationTable 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 informationAttachment A. Forms. Request for Proposal Number 4724Z1
Attachment A Forms Request for Proposal Number 4724Z1 Bidders are required to complete all forms provided in this attachment. Forms A.1-A.6 are to be included as part of the Technical Proposal. Form A.7
More information2. Please explain what you mean about using the system for searching your partners websites. What type of functionality is expected?
DRS RFP 13-007-100 s and s General 1. Which products, if any, did DRS evaluate prior to releasing the RFP? Did any of the products meet or come close to meeting your requirements? 2. Please explain what
More informationEnabling Secure Payment Processing On Your Site. A guide to accepting and managing online payments for e-commerce
Enabling Secure Payment Processing On Your Site A guide to accepting and managing online payments for e-commerce Table of Contents Introduction 1 Getting started: Setting up your 3 Internet Merchant Account
More informationSetting 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 informationMARYLAND STATE TREASURER S OFFICE Louis L. Goldstein Treasury Building 80 Calvert Street, Room 109 Annapolis, Maryland 21401
MARYLAND STATE TREASURER S OFFICE Louis L. Goldstein Treasury Building 80 Calvert Street, Room 109 Annapolis, Maryland 21401 QUESTIONS AND ANSWERS FOR REQUEST FOR PROPOSALS FOR MERCHANT SERVICES RFP #MCARD-07292015
More informationLIVE CHAT CLOUD SECURITY Everything you need to know about live chat and communicating with your customers securely
LIVE CHAT CLOUD SECURITY Everything you need to know about live chat and communicating with your customers securely LIVE CHAT CLOUD SECURITY Introduction Security is a top priority online it is vital that
More informationProduct Brief. Intacct Financials & Accounting. Intacct General Ledger
Product Brief Intacct Financials & Accounting Intacct Financials and Accounting includes Intacct General Ledger, Intacct Accounts Receivable, Intacct Accounts Payable, Intacct Cash Management and Intacct
More informationADDENDUM NUMBER TWO RE: RFP 291606: ELECTRONIC PAYMENT PROCESSING AND OTHER COMMERCE SERVICES
ADDENDUM NO. 2 June 20, 2016 ADDENDUM NUMBER TWO Q.1. - Does the University intend to assess convenience fees on both debit and credit cards or just credit cards? A.1. - There is no convenience fee, however,
More informationIntroduction. Our Services
Introduction RCMT IT Solutions is a global provider of Custom Software, Infrastructure Technology and Managed Solutions. Offering extensive consulting expertise and professional mastery of the latest technologies,
More informationAdobe Digital Publishing Security FAQ
Adobe Digital Publishing Suite Security FAQ Adobe Digital Publishing Security FAQ Table of contents DPS Security Overview Network Service Topology Folio ProducerService Network Diagram Fulfillment Server
More informationa CyberSource solution Merchant Payment Solutions
a CyberSource solution Merchant Payment Solutions 1 Simplifying Payments Safe and reliable payment processing is essential to your business. Authorize.Net, a leading payment gateway since 1996, provides
More informationMerchant 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 informationa CyberSource solution Merchant Payment Solutions
a CyberSource solution Merchant Payment Solutions 1 Simplifying Payments Safe and reliable payment processing is essential to your business. Authorize.Net, a leading payment gateway since 1996, provides
More informationuturenet & its Document Imaging Services
F uturenet & its Document Imaging Services FutureNet Technologies Corporation has become a vital player in the healthcare information management industry. Founded in 1996, FutureNet was formed for the
More informationIT TECHNICAL SECURITY REVIEW CHECKLISTS FOR E-COMMERCE WEBSITES
IT TECHNICAL SECURITY REVIEW CHECKLISTS FOR E-COMMERCE WEBSITES Currently there are three University approved e-commerce website configurations: (1) MERCHANT-MANAGED E-COMMERCE IMPLEMENTATION (2) SHARED-MANAGEMENT
More informationCredit Card Overview & Processing Guide entrée Version 3
Credit Card Overview & Processing Guide entrée Version 3 2000-2016 NECS, Inc. All Rights Reserved. I entrée V3 Credit Card Processing Guide Table of Contents Chapter I V3 Credit Card Overview 1 1 Obtain...
More informationSecurity Best Practices
White Paper Security Best Practices Maintaining tight security, including using both standard and advanced fraud detection and prevention tools, is crucial to maintaining a successful business. No merchant
More informationRealex Payments Integration Guide - Ecommerce Remote Integration. Version: v1.1
Realex Payments Integration Guide - Ecommerce Remote Integration Version: v1.1 Document Information Document Name: Realex Payments Integration Guide Ecommerce Remote Integration Document Version: 1.1 Release
More informationFax Cover Sheet and Application Checklist. Checklist for Submitting an Authorize.Net Payment Gateway and Optional Merchant Account Set-up Form
Fax Cover Sheet and Application Checklist Attention: From: Company: Authorize.Net Date: Fax Number: (801) 492-6546 Total No. of Pages (including cover): Reseller Name: Web Spinners, Llc. Reseller ID: 1517
More informationOnline Payment Processing What You Need to Know. PayPal Business Guide
Online Payment Processing What You Need to Know PayPal Business Guide PayPal Business Guide Online Payment Processing 2006 PayPal, Inc. All rights reserved. PayPal, Payflow, and the PayPal logo are registered
More informationCyberSource Business Center
CyberSource Business Center CS-5-123110 Copyright 2010 Harris Connect, LLC. all rights reserved. Reproduction in any form without the express written consent of Harris Connect, LLC. is strictly prohibited
More informationCyberSource 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 informationShould You Outsource Your Email?
Should You Outsource Your Email? By: Brien M. Posey According to a recent study by Symantec and Gartner (http://www.itworld.com /Webcasts /bytopic/3/index.html), most companies consider email to be a mission
More informationNAPBS Background Verification Request for Proposal Guide
NAPBS Background Verification Request for Proposal Guide A Guide for Organizations to submit a Request for Proposal for Background Screening This Guide was developed for employers and other organizations,
More informationYour gateway to card acceptance.
MERCHANT SERVICES Authorize.Net Solutions Your gateway to card acceptance. Processing transactions reliably and securely is essential to your business. That s why BBVA Compass and Authorize.Net, a leading
More informationEnterprise SSL FEATURES & BENEFITS
Enterprise SSL FEATURES & BENEFITS What s included: - Powerful 1024-bit signed RSA certificates - Centralised, web-based administrative portal for certificate management - Dynamically-generated site seal
More informationCello How-To Guide. Cello Billing
Cello How-To Guide Cello Billing Contents 1 Introduction to Cello Billing... 5 1.1 Components of Cello Billing Engine... 6 1.2 CelloSaaS Billing Overview... 6 1.3 Introduction to Subscription Management...
More informationBUSINESS 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 informationWritten Questions and Answers
Written Questions and Answers Merchant Card and Managed Tuition Services RFP UK-1679-16 Closing Date: 05/25/2016 Today s Date: 05/04/2016 No. Question Answer Who is the current provider for the Tuition
More informationIntroduction and Background
Introduction and Background The Community College League of California is a nonprofit public benefit corporation whose voluntary membership consists of the 72 local community college districts in California.
More informationPublic Versus Private Cloud Services
Public Versus Private Cloud Services Table of Contents vs. What constitutes a Public Cloud versus a Private Cloud solution? When considering moving to a public Cloud infrastructure, what questions should
More informationProduct. Corillian Business Online Corporate Treasury Management Solution on the Industry s Best Online Banking Platform
Product Corillian Business Online Corporate Treasury Management Solution on the Industry s Best Online Banking Platform Online Corporate Banking Today Realtime liquidity management and access to relevant
More informationTown of Fairview, Texas Request for Proposal Merchant Card Services
Town of Fairview, Texas Request for Proposal Merchant Card Services SECTION I REQUEST FOR PROPOSAL INFORMATION A. Introduction and Background The Town of Fairview (the Town) is requesting proposals from
More informationMerchant Payment Solutions
Merchant Payment Solutions 1 Simplifying Payments 2 Safe and reliable payment processing is essential to your business. Authorize.Net, a leading payment gateway since 1996, provides solutions you can trust.
More information10 Secure Electronic Transactions: Overview, Capabilities, and Current Status
10 Secure Electronic Transactions: Overview, Capabilities, and Current Status Gordon Agnew A&F Consulting, and University of Waterloo, Ontario, Canada 10.1 Introduction Until recently, there were two primary
More informationCBIO Security White Paper
One Canon Plaza Lake Success, NY 11042 www.ciis.canon.com CBIO Security White Paper Introduction to Canon Business Imaging Online Canon Business Imaging Online ( CBIO ) is a cloud platform for Canon s
More informationFor a full comparison of Magento Enterprise and Magento Community, visit http://www.magentocommerce.com/product/compare. Magento Feature List
Magento is a feature-rich, professional Open Source ecommerce platform solution that offers merchants complete flexibility and control over the user experience, content, and functionality of their online
More informationUCSB Credit Card Processing and PCI Compliance
UCSB Credit Card Processing and PCI Compliance Sandra Featherson Associate Director of Controls Campus Credit Card Coordinator May 2011 Agenda Campus Credit Card Process Overview Terminology Approval/Acceptance
More informationFax 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 informationApplication Performance Monitoring/Management (APM) Request for Information (RFI) 28198-CH
Application Performance Monitoring/Management (APM) Request for Information (RFI) 28198-CH Issued: March 30, 2015 Responses Due: May 12, 2015 This is not a bid or proposal. This Request for Information
More informationActive Directory & E-Mail Consolidation Project. Category: Enterprise IT Management Initiatives. State of Missouri
Active Directory & E-Mail Consolidation Project Category: Enterprise IT Management Initiatives State of Missouri Executive Summary The State of Missouri s Active Directory/E-mail Consolidation Team consolidated
More informationShared Accounting Module Trading Partner Integration Guide
Trading Partner Integration Guide Document Version 2.2 Table of Contents How to Use This Document... 2 Section 1: Services and Options... 2 Section 2: SAM Technical Overview... 7 Section 3: Getting Started...
More informationCorporate Bill Analyzer
Corporate Bill Analyzer Product Description V 3.1 Contents Contents Introduction Platform Overview Core features Bill/Invoice presentment Corporate hierarchy support Billing Account hierarchy support Call
More informationPolicies and Procedures. Merchant Card Services Office of Treasury Operations
Policies and Procedures Merchant Card Services Office of Treasury Operations 1 Welcome! Table of Contents: Introduction Establishing Payment Card Services Payment Card Acceptance Procedures Payment Card
More informationMember Management Solution Software
Member Management Solution Software Table Of Context 3 5 5-6 7-8 9 10 11 12 13 Introduction Features Management Web-Based vs Installed Member / Officer Benefits Live Demo 30 Day Free Trial Initial Setup
More informationTREASURER S OFFICE ADMINISTRATIVE STANDARDS FOR THE TREASURER S FISCAL PROCEDURE No. 08-01 MERCHANT DEBIT AND CREDIT CARD RECEIPTS
TREASURER S OFFICE ADMINISTRATIVE STANDARDS FOR THE TREASURER S FISCAL PROCEDURE No. 08-01 MERCHANT DEBIT AND CREDIT CARD RECEIPTS 1. Introduction Debit and Credit Card Receipt Standards apply to the administration
More informationAnswers for Merchant Service RFP Questions
Answers for Merchant Service RFP Questions The Will County Treasurer s Office has received several questions concerning our RFP for Merchant Services and Credit Card Processing. Here are our replies. We
More informationAuthorize.net modules for oscommerce Online Merchant.
Authorize.net Authorize.net modules for oscommerce Online Merchant. Chapters oscommerce Online Merchant v2.3 Copyright Copyright (c) 2014 oscommerce. All rights reserved. Content may be reproduced for
More informationProjectManager.com Security White Paper
ProjectManager.com Security White Paper Standards & Practices www.projectmanager.com Introduction ProjectManager.com (PM) developed its Security Framework to continue to provide a level of security for
More informationFor a full comparison of Magento Enterprise and Magento Community, visit http://www.magentocommerce.com/product/compare. Magento Feature List
Magento is a feature-rich, professional Open Source ecommerce platform solution that offers merchants complete flexibility and control over the user experience, content, and functionality of their online
More informationCity of Prineville Request for Proposal (RFP) RFP #1002-14-15 For Banking Services
Request for Proposal (RFP) RFP #1002-14-15 For Banking Services January 2015 TABLE OF CONTENTS Introduction Page 3 Background Page 4 Proposal Procedures Page 5 Required Banking Services Page 6 Other Requirements
More informationSwedbank 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 informationPAYMENT 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 informationNew Customer Workbook
UTAH GOVPAY: THE OFFICIAL PAYMENT SOLUTION FOR UTAH GOVERNMENT New Customer Workbook Extend the power of your website by taking payments online OVERVIEW Start Taking Payments in Days with Utah GovPay Features
More informationA: This will depend on a number of factors. Things to consider and discuss with a member of our ANZ Merchant Services team are:
1 ANZ egate FAQ s Contents Section 1 General information: page 1 Section 2 Technical information for ANZ egate Merchants: page 5 November 2010 Section 1 General information Q: What is ANZ egate? A: ANZ
More informationCRM4M Accounting Set Up and Miscellaneous Accounting Guide Rev. 10/17/2008 rb
CRM4M Accounting Set Up and Miscellaneous Accounting Guide Rev. 10/17/2008 rb Topic Page Chart of Accounts 3 Creating a Batch Manually 8 Closing a Batch Manually 11 Cancellation Fees 17 Check Refunds 19
More informationRFP#15-20 EXHIBIT E MERCHANT SERVICES INFORMATION SHEET
RFP#15-20 EXHIBIT E MERCHANT SERVICES INFORMATION SHEET A. Merchant Credit Card Processing 1. Describe your company s authorization method; list and describe alternative authorization methods. 2. What
More informationYahoo! 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 information3. Will we be able to submit both CPF Payment Advice(s) and IRAS submissions one PAT Is integrated with my payroll software?
INTEGRATING PAT WITH PAYROLL SOFTWARE FAQs General: 1. What is Payroll software integration with PAT system about? Companies will be able to submit CPF monthly contributions directly to PAT system via
More information5 STEPS TO LOWER YOUR PAYMENT PROCESSING FEES
5 STEPS TO LOWER YOUR PAYMENT PROCESSING FEES STEP 1: Understand the Basics of a Merchant Account Your best defense against high rates is information. This guide is intended to provide merchants with a
More informationIntro to PCI Compliance
Intro to PCI Compliance And the role Stone Edge V7.1 plays in helping you achieve that goal Monsoon Commerce. All rights reserved. What is PCI? PCI stands for Payment Card Industry In 2006, major financial
More informationVoipNow Automation 2.5.3. Integrated Payment Plug-ins. For more information about VoipNow Automation, check: http://www.4psa.com Copyright 2012 4PSA.
VoipNow Automation 2.5.3 Integrated Payment Plug-ins For more information about VoipNow Automation, check: http://www.4psa.com Copyright 2012 4PSA. Integrated Payment Plug-ins Manual Version 87497.2 at
More informationINTRODUCTION. What is a Merchant Account? Myth Buster!
INTRODUCTION This guide is intended to provide merchants with a better understanding of payment processing terminology, fees and best practices as they relate to accepting credit and debit card payments.
More informationBusiness and enterprise cloud sync, backup and sharing solutions
Business and enterprise cloud sync, backup and sharing solutions Private Cloud Synchronization Collaboration Backup / Versioning Web Access Mobile Access LDAP / Active Directory Federated RADIUS Single
More informationReseller Interface. Reference Guide
Reseller Interface Reference Guide Table of Contents Table of Contents... 2 Introduction... 3 Reseller Interface... 3 Add Merchant... 4 Find Merchant... 5 Update Merchant... 6 Reports... 7 Statements...
More informationIntroducing MachPanel v.5
Introducing MachPanel v.5 Datasheet MachPanel CRM MachSol Inc. MachPanel CRM Revision: 1.0 www.machsol.com Table of Contents 1. ABOUT THIS DOCUMENT... 3 2. FUNDAMENTAL CONCEPTS... 3 3. MACHPANEL PROVISIONING
More informationGuidelines for Claims Management System Selection
White Paper Guidelines for Claims Management System Selection By Jose Tribuzio January 2009 Systema Software 1 www.systemasoft.com Overview Selecting a new claim system can be an intimidating task due
More informationPaymentCardXpress - Executive Overview
PaymentCardXpress - Executive Overview CFXWORKS, INC 2015 http://www.cfxworks.com PaymentCardXpress - Executive Overview A credit card processing gateway that runs on any Java enabled platform capable
More informationVendor 1 QUESTION CCSF RESPONSE
Vendor 1 QUESTION 1 If we have already filled out the vendor profile application, business tax declaration and local business forms will we need to fill them out again? 2 Is CCSF open to rolling up all
More informationSite Management Abandoned Shopping Cart Report Best Viewed Products Report Control multiple websites and stores from one
Site Management Abandoned Shopping Cart Report Best Viewed Products Report Control multiple websites and stores from one Best Purchased Products Report Administration Panel with ability to share as much
More informationFirst 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 informationCreating and Managing Custom Payment Processors in Blackbaud
Sphere Custom Payment Processor Guide 10/15/2013 Blackbaud Sphere 9.4.3 Sphere Custom Payment Processor US 2013 Blackbaud, Inc. This publication, or any part thereof, may not be reproduced or transmitted
More informationMigrate from Exchange Public Folders to Business Productivity Online Standard Suite
Migrate from Exchange Public Folders to Business Productivity Online Standard Suite White Paper Microsoft Corporation Published: July 2009 Information in this document, including URL and other Internet
More informationMAGENTO - SETUP PAYMENT PLANS
MAGENTO - SETUP PAYMENT PLANS http://www.tutorialspoint.com/magento/magento_setup_payment_plans.htm Copyright tutorialspoint.com PayPal is a secure way for customers to pay online. This article explains
More informationTable of Contents. Page 1 of 6 (Last updated 30 July 2015)
Table of Contents What is Connect?... 2 Physical Access Controls... 2 User Access Controls... 3 Systems Architecture... 4 Application Development... 5 Business Continuity Management... 5 Other Operational
More informationRSA Authentication Manager 7.1 to 8.1 Migration Guide: Upgrading RSA SecurID Appliance 3.0 On Existing Hardware
RSA Authentication Manager 7.1 to 8.1 Migration Guide: Upgrading RSA SecurID Appliance 3.0 On Existing Hardware Contact Information Go to the RSA corporate website for regional Customer Support telephone
More informationUniversity at Buffalo Learning Management and Performance Management System Request for Information # 14CBW0036
University at Buffalo Learning Management and Performance Management System Request for Information # 14CBW0036 Background The University at Buffalo (UB), The State University of New York is a major public
More informationCanopy Wireless Broadband Platform
1 Canopy Wireless Broadband Platform Frequently Asked Questions Software Ordering and License Fulfillment Process May 2007 CONTENTS GENERAL SOFTWARE ORDERING PROCESS...2 USING THE LICENSING PORTAL...5
More informationHow To Use Nest For An Employer
How to set up and use secure file transfer protocol (SFTP) Guidance for employers V3 2 Contents 01 02 03 04 Background page 3 How to set up secure file transfer protocol page 4 How to send and collect
More informationIntroducing MachPanel v.5
Introducing MachPanel v.5 Datasheet MachPanel Web Hosting MachSol Inc. MachPanel Web Hosting Table of Contents 1. ABOUT THIS DOCUMENT... 3 2. KEY CONCEPTS... 3 3. MACHPANEL PROVISIONING SYSTEM... 3 4.
More informationWHITE PAPER. HIPPA Compliance and Secure Online Data Backup and Disaster Recovery
WHITE PAPER HIPPA Compliance and Secure Online Data Backup and Disaster Recovery January 2006 HIPAA Compliance and the IT Portfolio Online Backup Service Introduction October 2004 In 1996, Congress passed
More informationVolume 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 informationExhibit A to RFP-SG-107276 STATEMENT OF WORK (SOW) Banking Services
Exhibit A to RFP-SG-107276 STATEMENT OF WORK (SOW) Banking Services 1.0 Introduction 1.1 Purpose Colorado Springs Utilities (Utilities) is requesting proposals from interested banks for the provision of
More informationecheck.net Operating Procedures and User Guide
echeck.net Operating Procedures and User Guide Table of Contents Introduction... 4 What is echeck.net?... 4 Who can use echeck.net?... 4 Applying for echeck.net... 5 echeck.net Fees and Settings... 5 echeck.net
More informationVirtual 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 informationElectronic Transaction Market Industry Whitepaper. Systech Corporation Internet Payment Gateways
Electronic Transaction Market Industry Whitepaper Systech Corporation Internet Payment Gateways John Stafford Director, Payment Systems johns@systech.com 800-800-8970 x483 Systech IPG/7000 Series Internet
More informationElavon Payment Gateway Integration Guide- Remote
Elavon Payment Gateway Integration Guide- Remote 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 Remote
More informationVERIFONE PAYWARE SOLUTIONS
VERIFONE PAYWARE SOLUTIONS PAYMENTS ARE JUST THE BEGINNING. Supports multiple applications, systems, users and locations. PAYware Solutions With a wide range of card acceptance software solutions, VeriFone
More information