CreditLine (4.30A) Click on the chapter titles below to view them: 1: Getting Started. 2: CreditLine Configuration

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1 26/10/2015 CreditLine (4.30A) Click on the chapter titles below to view them: 1: Getting Started 2: CreditLine Configuration 3: Converting To Open GI/UPG Mode (CreditLine Plus) 4: Processing Credit Card Payments 5: Additional CreditLine Features 6: CreditLine Cashbook and Audit reports Open GI 1

2 CreditLine Guide 1: Getting Started 1: Getting Started Understanding CreditLine and the Terminology CreditLine version 3.3.0A onwards can be run in a number of ways. The bullets points below help define these ways and clarify the terminology used: CreditLine - This is the product line which from version 3.30A onwards includes the CreditLine Plus feature available for licensing (and access to the Open GI/UPG mode if CreditLine Plus is licensed). CreditLine Plus - This feature is available in a post 3.30A CreditLine release which has the CreditLine Plus licence installed (allowing the switch to the Open GI/UPG Mode, but can still be run in SecureHosting and Solve SE modes). Open GI/UPG Mode - The switch on/configuration for this is available from CreditLine 3.30A onwards but the mode can only be entered with a CreditLine Plus licence in place. CreditLine (Solve/SE and SecureHosting) CreditLine has been developed specifically for Insurance Brokers who offer their customers the ability to pay for their insurance by Credit, Debit and Charge cards. Throughout this manual, these cards will be referred to collectively as credit cards. CreditLine integrates with your Core Back-Office. When installed, the Core Back-Office automatically calls CreditLine when you request a credit card payment. You are automatically prompted for card details when a Core Back-Office payment is requested. CreditLine records and maintains a list of card numbers previously used by a client. This allows you to choose a card from this list when making a payment rather than re-keying the details. The main Payment method features of CreditLine are as follows: Validation - the first four characters of any card account number identifies the card issuer (i.e. Mastercard, Visa etc.), CreditLine builds up a file containing validations linking these four character identifiers to the payment method that was specified by the operator. If an identifier is entered and a different payment method from the one held in the validation file has been specified then the system displays a warning. Protection against clerical errors - the card details are validated before a payment is made, preventing incorrect card details being passed on to the bank, all of the required data must be entered (issue numbers, issue dates etc.), expired cards will be rejected. Protection against fraud - a hot card file of lost or stolen cards may be stored on the payment terminal and is updated when connecting to the bank at night. Core Back-Office waits for the result of authorisation before processing the payment, and if authorisation is not obtained the payment is not made. A credit card can be pre-authorised in Advanced Prospect Management in conjunction with the CreditLine software. This process will mark the customer s account to ensure that funds are available when the policy is converted to Live. CreditLine stores an audit trail of all payment requests. CreditLine can generate an audit report for any specified date range sorted by either the request date, policy reference or card type. The report prints the total values of payments for each card type on a summary page at the bottom of the report. 2

3 CreditLine An audit report linked to the Core Back-Office cashbook is requested. This report automatically generates and prints the standard Core Back-Office cashbook and then prints a report showing all credit card payments made during the cashbook period, the report is ordered by card type, and prints a summary of the total values of payments for each card type at the bottom of the report. You can also set your system to run in test mode. While in TEST mode certain test card numbers will be available real card numbers will be rejected. CreditLine Plus CreditLine Plus in Open GI/UPG mode is an alternative to CreditLine via SecureHosting and requires a CreditLine Plus licence. However, it can still be run in SecureHosting and Solve SE modes. CreditLine Plus in Open GI/UPG mode assists you in meeting the latest requirements of the Payment Card Industry Data Security Standard (PCI DSS) regulation and offers a fully integrated service for making secure, fast and simple electronic payments by credit and debit cards. CreditLine Plus is suitable for all types of broker, including Commercial and Personal Lines businesses, selling through High Street branches, from a Call Centre base or online. CreditLine Plus in Open GI/UPG mode gives you additional functionality to assist with PCI Compliance by not capturing card numbers and CV2 card validation numbers in the Back Office, instead using an Open GI branded webpage hosted by UPG (Universal Payment Gateway). Acting as a Payment Service Provider (PSP), Open GI through our partnership with Universal Payment Gateway Plc (UPG), will fully manage your payments to the acquiring bank, card schemes and payment networks on your behalf, removing any associated concerns with taking card payments. Key Features of CreditLine Plus in Open GI/UPG Mode Dedicated CreditLine Plus software activates as soon as the card payment option is selected. Payment, pre-authorisation and card validation can be checked before issuing cover. Pre-authorised payments can be accepted at a later date without re-keying payment card details. Card details are discarded after use, a token is retained to enable future payments. UPG returns the last four digits of the card to assist in previous card selection. Supports payments from all client premiums including broker instalment, continuous authority payments, standard deposits / full payment, premium finance and BACS initial payment. Card receipts can be generated for customers and refunds restricted to authorised users only. Ability to review all card payments made on a policy. A number of audit reports are available for monitoring payment activity. Ability to track payments by payment method Ability to track individual payments by UPG token (the UPG Admin Site allows this). Video Demonstration (CreditLine Plus) The main Open GI website contains a system demonstration of CreditLine running in the CreditLine Plus Open GI/UPG mode. Please click HERE to access this video demonstration. 3

4 CreditLine Guide The CreditLine Menu The CreditLine Menu is shown below: The main CreditLine menu and the available options are detailed below: CreditLine Maintenance CLP Merchant Accounts for Brands Credit Card Terminal Startup - Racal Processing only - no longer used. Credit Card Terminal Closedown - Racal Processing only - no longer used. Daily Cashbook/Audit Report BROOMS Cashbook Print Daily Audit Print CreditLine Audit Report Credit Card Usage Report Batch Receipts Print 4

5 CreditLine Batch Receipts Purge Card Details Purge Engineering Link Test (CreditLine Guide) Open GI Limited Process Flow This section describes the process flow involved in the use of CreditLine/Creditline Plus: Solve/SE The main stages of the CreditLine Solve/SE processing consist of the following steps: 1. A credit card payment is requested from Core Back-Office. 2. The operator enters the customer s card details. 3. A payment request is sent to the payment terminal. When the card details have been collected, CreditLine communicates the data to a payment terminal connected to the Open GI processor. The payment terminal validates the card details and then attempts to obtain authorisation. The result of the authorisation attempt is returned to CreditLine. 4. If the payment is declined then processing stops at this point and the payment is abandoned. 5. If the payment is authorised then the details of the payment will be stored on the payment terminal until they are collected by the bank. Depending on the type of payment terminal used, a short audit receipt may be printed on the payment terminal. 6. Print a payment receipt from the Open GI system. 7. The payment is made, ledger, cashbook and payment history records are written/updated. 8. The CreditLine audit is updated to confirm that the payment has been completed successfully. SecureHosting See the Credit Card Pre-Authorisations page for an outline of the process when a credit card is preauthorised in Advanced Prospect Management in conjunction with the CreditLine software. The main stages of the CreditLine SecureHosting processing consist of the following steps: 1. A credit card payment is requested from Core Back-Office. 2. The operator enters the customer s card details. 3. A payment request is sent to SecureHosting. When the card details have been collected, CreditLine communicates the data to the online web based solution. SecureHosting validates the card details and then attempts to obtain authorisation. The result of the authorisation attempt is returned to CreditLine. 4. If the payment is declined then processing stops at this point and the payment is abandoned. 5. Print a payment receipt from the Open GI system. 5

6 CreditLine Guide 6. The payment is made, ledger, cashbook and payment history records are written/updated. 7. The CreditLine audit is updated to confirm that the payment has been completed successfully. Open GI/UPG (CreditLine Plus) CreditLine Plus in Open GI/UPG mode is an alternative to CreditLine via SecureHosting. See the Credit Card Pre-Authorisations page for an outline of the process when a credit card is preauthorised in Advanced Prospect Management in conjunction with the CreditLine software. The main stages of the CreditLine Plus Open GI/UPG processing consist of the following steps: 1. A credit card payment is requested from Core Back-Office. 2. The operator enters the customer s card details into an Open GI branded webpage hosted by UPG (Universal Payment Gateway). 3. A payment request is sent to UPG. They then validate the card details and attempt to obtain authorisation. The result of the authorisation attempt is returned to CreditLine Plus. 4. If the payment is declined then processing stops at this point and the payment is abandoned. 5. Print a payment receipt from the Open GI system. 6. The payment is made, ledger, cashbook and payment history records are written/updated. 7. The CreditLine audit is updated to confirm that the payment has been completed successfully. (CreditLine Guide) Open GI Limited Main Processes Main Processes CreditLine/CreditLine Plus can be split into two main processes: User Interface - the user interface is called whenever the operator requests a CreditLine process. Background Payment Processing - the status of the payment terminals and any failures in payments / error messages for payment terminals or the online web based solutions. (CreditLine Guide) Open GI Limited User Interface The user interface is called whenever the operator requests a CreditLine process. Functions The processes supported by CreditLine are: Payment authorisation requests. Payment confirmation requests. 6

7 CreditLine Requesting a receipt for an existing payment request. Viewing authorisation history. Updating the status of payment audit record. Maintaining card details. Request Payment Authorisation The main use of the user interface is when Core Back-Office requests a payment with one of the credit card payment methods. This process is described below. A check is made to determine whether the payment method requires authorisation to be obtained. The check is made against the details stored in CreditLine maintenance. If authorisation is not required then control is returned to Core Back-Office and the payment is made as normal. The operator inputs the card details via the user interface - either in the Core Back-Office or into the OpenGI/UPG integrated web solution. If the payment is negative (i.e. a refund) then a password may have to be entered to allow the process to continue. Process Authorisation Request When the card details have been entered a payment request record is passed to the payment terminal or SecureHosting/Open GI/UPG. The terminal or SecureHosting/Open GI/UPG obtains the relevant response and the result, whether successful or failed, is written into a payment audit record including a status, the possible results are detailed below: Authorisation Results There are five possible results that can be received at this point: Authorisation abandoned Missing/bad fields Voice referral required Payment authorised Authorisation declined. If the result is Authorisation abandoned or Authorisation declined then control is returned to Core Back-Office and the payment is abandoned. If the result is Payment authorised then control is returned to Core Back-Office and the payment is made, cashbooks are updated etc. Missing/Bad Fields Should the system return the result Missing/bad fields, then the fields that were not completed or were invalid are displayed, and the operator is returned to the card details input screen. When the card details have been corrected, the payment audit record is updated and the request is sent again. 7

8 CreditLine Guide Voice Referrals (Solve/SE Processing only) When the result is Voice referral required, then the operator must call the credit card authorisation centre and obtain authorisation verbally. The centre gives an authorisation code that the operator must enter onto the system. The system then follows the same procedure as for a successful authorisation. Payment Confirmation The user interface is updated when confirming that the payment has been successfully completed. The audit record is read and the status updated. (CreditLine Guide) Open GI Limited Background Payment Processing The task of the background processing is to handle all communications between the Open GI processor and the payment terminal or the SecureHosting/Open GI/UPG Online Web solution. A payment terminal and online web based solutions, SecureHosting/Open GI/UPG are supported. The background tasks for each are as follows: Solve/SE - payment terminal status SecureHosting - failures in payments / error messages Open GI/UPG - failures in payments / error messages Solve/SE The background processing is performed by software that runs on a PC connected to the Open GI processor by a TCP/IP network connection. The background link task is started by a program that runs automatically when the Open GI processor is booted. Wait for Payment Request When successfully started, the background task waits for a payment request. Send Data to Payment Terminal The authorisation details are sent to the payment terminal. If the background processing cannot communicate with the payment terminal then the audit record status is updated to Authorisation abandoned and authorisation is abandoned for this request. The payment terminal will send a response to indicate whether the transaction will be authorised or declined. If the transaction is declined, an error code will indicate the reason. The audit record status will be updated accordingly. If the transaction is declined because the card details have not been entered correctly, the user will be invited to re-enter the card details and to re-send the transaction. If the payment terminal does not return a valid response, the audit record status will be updated to Authorisation abandoned and authorisation will be abandoned for this request. 8

9 CreditLine SecureHosting SecureHosting is an online web based solution using their Universal Payment Gateway (UPG). SecureHosting requires an MLS and a Broadband Internet connection. This section details: Failures in Payments / Error Messages Payment Request Time Outs SecureHosting Refunds Further information can be found at: If there is a failure to connect to SecureHosting, a connection error similar to that described for the Engineering Link Test will be displayed. SecureHosting Failures in Payments / Error Messages If there is an error with the credit card details, the user will be able to amend the card details if SecureHosting s error message refers to an error in any particular card fields. For example, if the issue date is too short, the following error message would be received: Error: Invalid Issue date A prompt will be displayed to enter the missing or bad fields. The errors that lead to the missing or bad fields prompt are: Issue Number Too Long Issue Number Too Short Issue Number Missing Invalid card number length Card Number Too Short Invalid Issue date Invalid Card Number or Expiry Date 9

10 CreditLine Guide No card number Generic Bank Timeout. Please Retry. For other errors the user will be returned to the policy in Core Back-Office. Other common payment errors include: Card Declined Card Referred Start Date Too Short Card Type Not Supported Host Not Responding Card Prevalid SecureHosting Payment Request Time Outs If a payment request "times out" before a response is received from SecureHosting, the payment will be abandoned (This potentially led to confusion as the payment might already have been authorised by SecureHosting, but this was not shown in the Ledger). In these circumstances, an entry is put into the CreditLine Audit file with a status of Unknown Response. Open GI/UPG Open GI/UPG (CreditLine Plus) gives you additional functionality to assist with PCI Compliance by not capturing card numbers and CV2 card validation numbers in the Back Office, instead using an Open GI branded webpage hosted by UPG (Universal Payment Gateway). This section details: Failures in Payments / Error Messages Payment Request Time Outs SecureHosting Refunds Further information can be found at: If there is a failure to connect to Open GI/UPG, a connection error similar to that described for the Engineering Link Test will be displayed. Open GI/UPG Failures in Payments / Error Messages For CreditLine Plus in UPG mode any error is notified to the user and you are then dropped back to the policy page. You will then need to submit the payment again. For example, if the card number is too short for a Maestro card, the following error message would be received: 10

11 CreditLine The errors that lead to the missing or bad fields prompt are: Issue Number Too Long Issue Number Too Short Card Number Too Short Card Number Too Short Invalid Card Number or Expiry Date Generic Bank Timeout. Please Retry. Other common payment errors include: CV2 declined Payment Cancelled Card Declined Card Referred Start Date Too Short Card Type Not Supported Host Not Responding Card Prevalid 11

12 CreditLine Guide Open GI/UPG Payment Request Time Outs If a payment request "times out" before a response is received, the payment will be abandoned (This potentially led to confusion as the payment might already have been authorised, but this was not shown in the Ledger). In these circumstances, an entry is put into the CreditLine Audit file with a status of Unknown Response. (CreditLine Guide) Open GI Limited CreditLine Maintenance The maintenance program allows CreditLine to be configured for an individual Broker s system. You can also set your system to run in test mode. The card types, control data and receipt printers are specified separately for each branch on the system. If necessary each branch may be specified to use only a particular payment terminal, alternatively each branch may use all available payment terminals. For Solve/SE processing, only one payment terminal is supported. SecureHosting and Open GI/UPG don't use payment terminals. They have their own page in Broker Control Details which can be configured for each branch. (CreditLine Guide) Open GI Limited CLP Merchant Accounts for Brands CLP Merchant Accounts for Brands A licence is required for this functionality. It can be used on multiple branches. This option allows a broker to allocate a specific UPG account to any of their Back-Office brands set up in the Broker Configuration. If a policy's brand has a UPG account listed against it then Creditline Plus payments will be made to this account. If a policy has no brand, or the brand is not associated with a particular UPG account (or any association is suspended) then the UPG account details from the 'Broker Control Information' option will continue to be used. Any UPG account can be linked to multiple brands, but a single brand can only be linked to one UPG account at a time. Taking a payment on a policy with CreditLine Plus will automatically use the correct UPG merchant account for the brand of that policy. The customer will also see the branded account on their credit card statement. 12

13 CreditLine Adding A New Account To add a new UPG account/brand association either click on the New Branded Account button (ESC 1) at the top of the screen or right-click on an existing brand and select the 'New branded account' option. Enter the details of the required UPG account for the brand. Brand Select a brand from the drop-down list. Active Select from "Yes" or "No". 13

14 CreditLine Guide SHReference Enter up to 10 characters. Checkcode Enter up to 10 characters. Password Enter up to 20 characters. UPG File New Enter up to 30 characters. UPG File Add Enter up to 30 characters. Click the OK button (RETURN) to save the details. Amending A Branded Account Left clicking on an existing brand association or right click on your mouse and select the 'Amend branded account' option. This allows the user to change any of the details entered when the association was set up: Click the OK button (RETURN) to save the amended details. Suspend An Account Within the 'Amend branded account' option there is a field to indicate whether the brand association is "Active". If this Active field is set to "No" or blank, then the UPG/brand association is treated as suspended. If this is the case then the default UPG account on the branch will be used. Print Account Details The Print button (F7) at the top of the screen allows you to print a list of all the current and historical UPG associations for any brands that have been set up. This is a Landscape document. 14

15 CreditLine 2: CreditLine Configuration 2: CreditLine Configuration This chapter describes how to use the CreditLine maintenance facilities. These facilities allow you to establish a communications link with the credit card terminal or terminals connected to your system. When you have connected and tested the terminal you must configure the control data to allow your system to accept credit card details. The maintenance facilities allow CreditLine to be configured to suit your individual requirements. You are provided with four maintenance functions on the CreditLine menu as follows: CreditLine Maintenance - this function provides you with the system configuration facilities for CreditLine. You can also set your system to run in test mode in here. Credit Card Terminal Startup - this function allows you to start up the communications link with the card terminal connected to the system. This function is not required for Solve/SE processing. Credit Card Terminal Closedown - this function allows you to close down the link with the card terminal connected to the system. This function is not required for Solve/SE processing. Engineering Link Test RACAL Processing - no longer used. Solve/SE Processing - this function tests the communications link to the Solve/SE payment software and displays version information if successful. SecureHosting Processing - this function sends test messages to SecureHosting. UPG (Universal Payment Gateway) - this function sends test messages to SecureHosting. The card types, control data and receipt printers can be specified separately for each branch on the system. It is possible for each branch to use only a particular payment terminal, or all available terminals connected to the system. For Solve/SE processing, only one payment terminal is supported. (CreditLine Guide) Open GI Limited Using CreditLine Maintenance To configure the control data and credit card communications parameters you must use the CreditLine Maintenance option on the CreditLine menu. Use the following procedure to set up your system: 1. Select CreditLine Maintenance from the CreditLine menu. The system displays the CreditLine Maintenance menu. 15

16 CreditLine Guide This menu provides you with the following maintenance functions: Broker Control Information - this allows you to define which credit cards you accept and how the system authorises payment. You can also set your system to run in test mode. CreditLine Handler Information (displays for Solve/SE Processing only) - this allows you to examine the status of the link to the payment terminal. Card Prefix Maintenance - this allows you to define credit card prefixes for Solve/Se and SecureHosting only. The first four numbers of every credit card define the type of card being used. 2. Select an option and click the mouse (RETURN). (CreditLine Guide) Open GI Limited (Solve/SE Processing) CreditLine Handler Information (Solve/SE Processing) You can examine the status of the link to the payment terminal as follows: 1. From the CreditLine Maintenance menu, select the CreditLine Handler Information' option. The system displays the information shown below: 2. The status of the payment terminal communications link may change while you view the screen. To refresh the information, press the Refresh button (RETURN). 3. To return to the previous menu, press the Cancel button (ESC ESC). (CreditLine Guide) Open GI Limited Maintaining Broker Control Details Moving Through the Broker Control Screens To set up Broker Control details use the following procedure: 1. Select the Broker Control Information option from the CreditLine Maintenance menu and click the mouse (RETURN). 16

17 CreditLine 2. The system displays the first Broker Control Information screen. 3. Use the button (F11) to move forwards through the screens and use the button (F10) to return to the previous screen. 4. Press the Update button (F2) to update any screen and the OK button (RETURN) to save any changes. Broker Control Information (Screen 1) To update the details press the Update button (F2). The fields below are listed in the tabbing order: Card Type Each of the entries represents one of the Core Back- Office credit card payment methods (1 to 9). It is important that the card types specified match the payment methods that are already in use in Core Back- Office. For each payment method that you want to use you must enter a valid card type. The following values can be entered in this field: 17

18 CreditLine Guide AMERICAN EX. BACS MAESTRO MASTERCARD OTHER TRADEPRO VISA VISA DELTA VISA ELECTRON You can also enter BACS if you want to use it as a payment method. Currently only Mastercard, Visa and Maestro card types are available for use with CreditLine Plus in Open GI/UPG mode. It is no longer possible to select SOLO as a card type within CreditLine maintenance. Description If the card type is non-standard you can enter a short description. For standard cards you can leave this field blank. The description is printed on the receipt and audit reports. Authorise This is a Yes/No field which specifies whether CreditLine should attempt to obtain authorisation for payments using that payment method. For cards this is usually Yes, and for BACS this would be No. CSC Each card type can be set individually, with the following options: Mandatory the Card Security Code field displayed and is mandatory for this card type Yes the Card Security code field will be requested, but can be left blank. The 'Card Prefix CSC Default' option must be set to Yes to activate this process. No the Card Security Code field is not displayed for this card type The global setting (Card Prefix CSC Default) is used where the entries for the card type and for the individual 18

19 CreditLine card prefix have been left blank. Refer to the Using Card Security Code Processing Controls page for further information. SecureHosting Note that SecureHosting always asks for the Card Prefix regardless of these settings, as shown below: This can be overridden by clicking the Yes button, if you have the authorisation code specified in the 'Mandatory CSC override auth code' option. Automatic receipt (Printer Id) Enter the system ID of your printer details in full - for example LP:WP if you require an immediate CreditLine receipt. If you do not require an immediate receipt print, enter "LP:NIL:" or "NONE". New Page This is a Yes/No field. Receipts can be printed continuously, or a new page can added after each receipt has been printed, depending on the stationery that is used. Copies Enter the number of copies of the receipt you want printed. Requested receipt (Printer Id) Enter the system ID of the printer in full - for example, LP:WP to request if users are allowed to request an individual CreditLine receipt from the Policy Record or enter "LP:NIL:" or "NONE" if "Requested" receipts are not required. New Page This is a Yes/No field. Receipts can be printed continuously, or a new page can added after each 19

20 CreditLine Guide receipt has been printed, depending on the stationery that is used. Copies Enter the number of copies of the receipt you want printed. Activate authorisation This is a Yes/No field which allows you to activate CreditLine / CreditLine Plus. If you enter Yes CreditLine requests customers card details and attempts to obtain authorisation for credit card payments. Mandatory CSC override auth code This holds the authorisation code required to override mandatory input of the CSC value. If you can override, you will be asked to enter your username and password. If this field is left blank then any user can choose to override this function. Refer to the Using Card Security Code Processing Controls page for further information. Validate payment method This is a Yes/No field which allows the system to check the card prefix against the existing types on the system. If the card prefix does not exist on the system it is added to the list of cards. Disable save receipts If this option is set to Yes, CreditLine receipt records will no longer be saved. This will result in lower disc space usage, but batch printing of CreditLine receipts will no longer be possible. If this option is set to No or is left empty, CreditLine receipts will be retained. If you have no requirement to print batches of CreditLine receipts it is recommended that this option is set to Yes CreditLine authorisation code An authorisation code may be set to prevent access to CreditLine functions. Refund authorisation code If you do not enter a code in this field, the system will not request a System UserID and password when the operator attempts to authorise a refund. If you require password control of credit card refunds then enter a code in this field. The system will then 20

21 CreditLine prompt the operator to enter a System UserID and password when attempting to authorise a refund, as shown below: If the password entered does not contain the authorisation code set in this field, the operator is returned to the Policy level screen, otherwise they can continue to process a refund. Override authorisation code This allows you to enter an authorisation code that an operator s list of authorisation letters must have in order to allow CreditLine to be overridden. Please note that this will only work if the following options are also entered. The column headed Authorise should have "Yes" against each option, unless the Card Type is BACS. The following options should also be set to "Yes". Activate Authorisation Validate payment method On-line process type This allows you to select the background process that your system uses to authorise credit card transactions. Select from: OpenGI/UPG Racal - no longer used. SecureHosting Solve/SE Brokers with or without a CreditLine Plus licence will be able to continue to use the SecureHosting On-Line process Type, or revert back to SecureHosting from "Open GI/UPG, if required 21

22 CreditLine Guide Refer to the Reverting Back To SecureHosting page for further information. The different online processing types are detailed below. OpenGI/UPG CreditLine Plus is an alternative to CreditLine via SecureHosting and requires a CreditLine Plus licence. CreditLine Plus gives you additional functionality to assist with PCI Compliance by not capturing card numbers and CV2 card validation numbers in the Back Office, instead using an Open GI branded webpage hosted by UPG (Universal Payment Gateway). Further information can be found at: You will only be able to switch to UPG mode if the 'Discard card details so not available for subsequent use' option has been set to "Yes" in CreditLine Maintenance. During the switch-over any stored audit records will have the first 12 digits of their card numbers erased. This is irreversible. In order not to interfere with ongoing transactions the switchover should take place out of working hours. Racal Used Payment terminals - no longer used. SecureHosting SecureHosting is an online web based solution using their Universal Payment Gateway (UPG). SecureHosting requires an MLS and a Broadband Internet connection. Further information can be found at: Solve/SE Uses payment terminals - replaced Racal. Payment terminal number (RACAL processing only) - no longer used. 22

23 CreditLine Last Transaction Number This item is for information only - it shows how many authorisation requests have been submitted to the background process in Solve/SE. SecureHosting transactions don't increment this. Use Branch No for Source ID This is used to determine the terminal identity for use with Solve/SE. Each data packet sent to Solve/SE requires a unique identity number which normally consists of either the VDU number or the Branch number. A system-generated sequence number is then attached to this. For users with multiple servers,we prefix this number with a server-id number. If you have a multi-branch operation and each branch uses a separate Merchant-ID, this field should be set to Yes For example, if this field is set to "Yes", the identity number generated would look like this: where the first 6 digits represent the branch number and the final 4 digits will be a sequence number. If it is set to No, the identity number generated will look like this: where the first 6 digits are the VDU number. For most users the preferred setting will be Yes. You are advised to contact Open GI when amending this field. Card Prefix CSC Default Enter Yes to activate the Card Security Code during the payment process. This global setting (Card Prefix CSC Default) is used where the entries for the card type and for the individual card prefix have been left blank. SecureHosting always asks for the Card Prefix regardless of these settings. Refer to the Using Card Security Code Processing Controls page for further information. 23

24 CreditLine Guide Suppress Default of card holder This option allows the default cardholder name to be suppressed. If this option is set to Yes, the cardholder name will not be automatically filled with the Client name when accepting a payment via CreditLine. The user will be required to enter a name before the payment can be accepted. If this option is set to No or if it is left empty, the Client name will appear in the Cardholder name when accepting a payment via CreditLine. When you have completed this screen press the OK button (RETURN) to update the system. Press the button (F11) to move to the Card Security Settings (Screen 2) screen. Press the button (F10) to return to the previous screen. Card Security Settings (Screen 2) Discard Card Details so not available for subsequent use Selecting "Yes" to this option will cause card details to be removed so that they are no longer available for subsequent use and new card details that are entered will not be stored. When switching to Open GI/UPG, this option has to be set to "Yes". Refer to the Converting To Open GI/UPG Mode (CreditLine Plus) page. 24

25 CreditLine Only hold last 4 digits of card number in audit records Only hold the last 4 digits of card numbers in the audit file remaining digits replaced by asterisks. Selecting "Yes" to this option runs a process that must be run while no other programs are running that use CreditLine files and may take a number of hours. With effect from CreditLine 3.00X all card numbers are always displayed with asterisks replacing all but the final 4 digits regardless of the format in which they are held in the audit file. e.g will be displayed as ****************0002 This setting is ignored with CreditLine Plus processing, since the last 4 digits of card numbers are always stored when storing tokens. Process Mode Test Mode Enter "Yes" to start test mode, otherwise enter "No". This allows broker with a test system to evaluate upgrades which use CreditLine without connecting to external systems. This applies on a per branch basis. While in TEST mode certain test card numbers will be available real card numbers will be rejected. Each test card number will behave in a different manner. In TEST mode the software will recognise the card number and behave accordingly returning SUCCESS or FAILURE messages without accessing any 3rd party system. When you have completed this screen press the OK button (RETURN) to update the system. Press the button (F11) to move to the SecureHosting Settings (Screen 3) screen. Press the button (F10) to return to the previous Broker Control Information (Screen 1). SecureHosting Settings (Screen 3) Note that OpenGI/UPG mode requires the SecureHosting fields to be set as well as the fields relating to UPG. This is set up using account data provided by SecureHosting. Open GI will assist in entering this data. For SecureHosting the UPG fields do not need to be set (and will be inaccessible). 25

26 CreditLine Guide There are settings for optional proxy server information, which will be set up by Open GI. Passworded fields can be cleared by pressing ESC C - this removes the asterisks. When amending a passworded field, the previous value is automatically cleared, in case a new value is shorter than the previous value. SHReference The value of SHReference cannot be amended once it is set for SecureHosting. For CreditLine Plus the SHReference can be updated during transition from Live to Training or Training to Live. Checkcode The Checkcode field is a password and so is not viewable. When a value is being typed in, an asterisk appears for each character typed. When RETURN is typed in the maximum number of asterisks is displayed, hiding the length of the actual password entered. 26

27 CreditLine Password The Password field is a password and so is not viewable. When a value is being typed in, an asterisk appears for each character typed. When RETURN is typed in the maximum number of asterisks is displayed, hiding the length of the actual password entered. Sub-user name Please contact your Account Manager who will give you the information for this field. Sub-user Password Please contact your Account Manager who will give you the information for this field. Server URL Enter up to 65 characters for the URL. New Pay URL Please contact your Account Manager who will give you the information for this field. Add Pay URL Please contact your Account Manager who will give you the information for this field. Most users will just leave this blank. The New Pay URL is then used. Currency Select from "Euros" or "Pounds". Disallow CPC Refund Card refunds are allowed to an amount greater than the last card transaction so long as this is within the total amount taken from the refund card. You can select a valid card from any cards used to make payments against transactions in the current period. This option indicates whether credit card charges should be included in refund calculations or not by entering "Yes" or "No". Refer to the CreditLine Refunds page for further details. Timeout Enter a number in the format

28 CreditLine Guide Callstream Client Please contact your Open GI Account Manager if you interested in using Callstream. Customers not using Callstream should not enter values in this field. Callstream customers will be then notified by Open GI Commercial of the credentials for configuring this. You will receive a 4 digit credential to access the Callstream Interface. UPG:Store card tokens For upgrades to CreditLine, this field will be defaulted to 6 months. For new CreditLine installations, this field will be set to 13 Months. This field is only editable if Open GI/UPG is selected in the 'On-line process type' option. When the card selection window is shown in CreditLine, the date the token was received from UPG will be checked. Any card token record which is older than the maximum age permitted in this option will be deleted before the list of (the last 4 digits of) available cards is displayed. CallStream Password Please contact your Open GI Account Manager if you interested in using Callstream. Customers not using Callstream should not enter values in this field. Callstream customers will then be notified by Open GI Commercial of the credentials for configuring this. You will receive a Callstream password, which is a unique customer password associated with the Callstream interaction. UPG File New Please contact your Account Manager who will give you the information for this field. UPG File Add Please contact your Account Manager who will give you the information for this field. Training Branch Using SecureHosting If set to Yes then no data is sent to SecureHosting for that branch and all 28

29 CreditLine transactions are accepted. Whenever Creditline starts up (after selecting a Credit Card Payment Method in Core Back-Office Accept a payment, or after calling CreditLine from Advanced Prospect Management) the following warning is displayed: This is a training branch for SecureHosting. No transactions will be sent to SecureHosting. Press RETURN to continue. Using OpenGI/UPG For UPG mode, requests do progress and are sent to the allocated test SHReference. If set to "Yes" there are four floating test accounts which can be made available to customers for training periods during migration to CreditLine Plus. Selecting Training as "Yes" will allow the customer to set to one of these SHReferences. Allocation of such an account is via liaison with the Open GI Support Centre. Training Branch will require the use of UPG s set of Test Cards, with their restrictions to the amount (as specified in UPG s Test Card specification). Proxy Proxy Server Enter up to 20 characters. Proxy Port Enter a number in the format Proxy Username Enter up to 20 characters. Proxy Password The Proxy Password field is a password and so is not viewable. When a value is being typed in, an asterisk appears for each character typed. When RETURN is typed in the maximum number of asterisks is displayed, hiding the length of the actual password entered. 29

30 CreditLine Guide When you have completed this screen press the OK button (RETURN) to update the system. Press the the button (F10) to return to the previous Card Security Settings (Screen 2) screen or press button (F11) to move to the Card Payment Charge Processing (Screen 4) screen. If you have additional screens configured, such as Card refund Authority Matrix, press the button (F11) to move to these otherwise you will be notified that there are no more screens. Card Payment Charge Processing (Screen 4) This functionality allows a charge to be automatically created for payment by card. For credit card payments, any credit card charges set up on this screen are included in the Instalment Amount (BLT.inst.amount) when printing BROOMS receipts if you have Core 14.51A/0 or later. The actual card charge can be printed by adding the BLT.Card.charge keyword. This appears next to the Card Fee in the BROOMS receipt. You will need to set the 'Disallow CPC Refund' option to "Yes" if card payment charges are to be permanent (i.e. no refunds of card charges). If set to "No", charges will be included in refund totals. Refer to the CreditLine Fee/Charge Processing page for further details. Card Payment Charge Processing Card Payment Charge Waiver Authorisation On taking a payment by Creditcard before the card details are taken, the user will be informed that a charge is being applied and given the option to waive the charge. Where the user does not have authorization to waive the 30

31 CreditLine charge an option to allow a manager / supervisor to override it is given. This processing will also applies to Advanced Prospect Management Pre-Authorisations. Refer to the CreditLine Fee/Charge Processing page for further details. Start Date No card charges will be generated until the Start Date is filled in and is not in the future. The charges are applied as detailed below: Annual Transactions For annual transactions (New Business, Renewal, Transferred New Business), the date the transaction is raised is compared with the Future Charge Date field. If it is raised on or after the Future Charge Date field, then the future charge amount (flat fee or percentage) will be used to process the card payment charge. If raised prior to the Future Charge Date field the current charge amount (flat fee or percentage) will be used instead to process the card payment charge. Non-Annual Transactions For non-annual transactions, such as endorsements, the effective date of the last annual transaction will be determined. The card payment charge file will be accessed, using the requested payment type and the effective date of the last annual transaction, to find the last record for which the Start Date field is less than, or equal to, the annual transaction effective date. If no record is found, the card payment charge will be zero. Otherwise, the current card payment charge rate and card payment charge type will be used to process the card payment charge. Payment Method Displays the payment method number. Card Type Displays the card type. 31

32 CreditLine Guide Description Displays the description of the card. Charge Code Enter the charge coded from Press F1 or the button to display a drop down list of the available charge codes, as shown below: Amt / % Enter one of the following: "Blank" - the value of the Amt / % is taken as a flat amount and used as the card payment charge. "%" - the Amt / % rate is taken as a percentage rate and the card payment charge will be calculated from the transaction amount and this rate. 32

33 CreditLine Current Charge Amt/% Enter the current charge amount. This will be a flat fee or percentage rate depending on the Amt / % field. This allows the setup of charges for specified card types. Future Charge Date Select a future date from the calendar for when any changes to charges should come in to effect. The charges are applied as detailed below: Annual Transactions For annual transactions (New Business, Renewal, Transferred New Business), the date the transaction is raised is compared with the Future Charge Date field. If it is raised on or after the Future Charge Date field, then the future charge amount (flat fee or percentage) will be used to process the card payment charge. If raised prior to the Future Charge Date field the current charge amount (flat fee or percentage) will be used instead to process the card payment charge. Non-Annual Transactions For non-annual transactions, such as endorsements, the effective date of the last annual transaction will be determined. The card payment charge file will be accessed, using the requested payment type and the effective date of the last annual transaction, to find the last record for which the Start Date field is less than, or equal to, the annual transaction effective date. If no record is found, the card payment charge will be zero. Otherwise, the current card payment charge rate and card payment charge type will be used to process the card payment charge. Future Amt / % Enter one of the following: "Blank" - the value of the Future Charge Amt/% rate is taken as a flat amount and used as the card payment charge. "%" - the Future Charge Amt/% rate is taken as a percentage rate and the card payment charge will be calculated from the transaction amount and this rate. 33

34 CreditLine Guide Future Charge Amt/% Enter the future charge amount to be used. This will be a flat fee or percentage rate depending on the Future Amt / % field. When you have completed this screen press the OK button (RETURN) to update the system. Press the button (F10) to return to the SecureHostings Settings screen 3. If you have additional screens configured, such as Card Payment Charge Processing and Card refund Authority Matrix, press the button (F11) to move to these otherwise you will be notified that there are no more screens. (CreditLine Guide) Open GI Limited Using Card Security Code Processing Controls (not UPG) Prefixes are not used for UPG. The Card Security code processing control can be set up in three places, as detailed below: on the individual card prefix records - 'Card Prefix Maintenance option on the card types in the 'Broker Control Information option globally - using the 'Card Prefix CSC Default' option When a payment is accepted via CreditLine, the setting for the card prefix is checked first. If this contains a value, then this is applied and the other settings are ignored. If the card prefix setting is blank, the setting for the card type is checked. If this contains a value, then this is applied and the global setting is ignored. If the card type setting is blank, the global setting is checked. If this contains a value, then this is applied. If all the settings are blank, then it is assumed that no Card Security code check is required (this is how the system worked before the Card Security code check was introduced). Using The Global Setting The global setting (Card Prefix CSC Default) is used where the entries for the card type and for the individual card prefix have been left blank. The Card Type settings allows a range of Credit cards to be treated in a specific fashion for example you may wish Card Security code processing to be compulsory for all card types except VISA for which it would be optional. In this case the global setting would be Mandatory, and the setting alongside VISA would be Yes. The individual card prefix setting can be used to set the Card Security code processing option for a single range of Credit Cards. This setting is found in 'Card Prefix Maintenance' option in CreditLine Maintenance, as shown below: 34

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