Element. Payment Processing. Integration of Element. using N-Site Applications 7/12/2011

Transcription

1 Element Payment Processing Integration of Element Payment Processing using N-Site Applications 7/12/2011 Copyright 2011 Ideal Software Systems, Inc., All Rights Reserved

2 Element Payment Processing Integration of Element Payment Processing using N-Site Applications Ideal Software Systems, Inc Great River Drive Meridian, MS Warning and Disclaimer This Guide and reference materials are provided "as is", without warranty as to their performance, merchantability, or fitness for any particular purpose. The entire risk as to the results and performance of this program is assumed by you. Ideal Software Systems assumes no responsibility for any damage or loss resulting from the use of this guide. Copyright This Guide is an unpublished work fully protected by the United States copyright laws and is considered a trade secret belonging to the copyright holder. The information contained herein has been prepared by Ideal Software Systems solely for the use of its employees, agents, and customers. Distribution of the information and/or concepts contained herein to other parties is prohibited without prior written permission of Ideal Software Systems. The information contained in this publication is subject to change without notice. All rights are reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying, or otherwise, without the written permission of Ideal Software Systems. Document Information Revision 48 Last Saved 7/12/2011 2:10 PM Page 1

3 Element Payment Processing I N T E G R A T I O N O F E L E M E N T C R E D I T C A R D P R O C E S S I N G U S I N G N - S I T E A P P L I C A T I O N S Table of Contents WHAT IS ELEMENT PAYMENT SERVICES?...3 ELEMENT ACCOUNT ID...3 ELEMENT ACCOUNT TOKEN...3 ELEMENT ACCEPTOR ID...3 ELEMENT TERMINAL NUMBER...3 CREATING AN ELEMENT ACCOUNT...3 CREDIT CARD PROCESSING: ELEMENT VS PCCHARGE...3 Element Features 3 SUPPORTED INPUT DEVICES...4 CONFIGURING N-SITE FOR ELEMENT PAYMENT PROCESSING...4 Activating Element Payment Services in N-Site 4 Element settings for each Terminal 6 PIN Pad Settings 7 DAILY OPERATIONS USING ELEMENT CREDIT CARD PROCESSING...8 Swiped Credit Card Transactions 8 Manual Credit Card Transactions 8 PIN Pad Transactions 10 N-SITE KIOSK CONFIGURATION...10 N-Site Kiosk Parameters for Element Payment Services 10 Page 2

4 WHAT IS ELEMENT PAYMENT SERVICES? Element Payment Services is a payment process that delivers secure credit, debit, ACH and other payment solutions to its customers. Element processes payments using a PCI DSS-compliant method. Element is a Gateway as well as a Processor. A payment gateway protects credit card details by encrypting sensitive information, such as credit card numbers, to ensure that information is passed securely between the customer and the merchant and also between merchant and the payment processor. A payment processor is a company appointed by a merchant to handle credit card transactions for merchant banks. ELEMENT ACCOUNT ID A unique account code issued to the site by Element. During each credit card transaction, this code is submitted to Element to identify the site and verify the account is active. ELEMENT ACCOUNT TOKEN A unique token is issued to the site by Element. This code is a secret code that is used by Element for authentication. ELEMENT ACCEPTOR ID A unique merchant account identifier issued by the host or the financial institution for the ability to process credit card payments through Element Payment Processing. This number is the valid merchant ID or the account number. ELEMENT TERMINAL NUMBER This is a unique number issued by Element to the customer. This is an identifier of the account used by Element when processing credit cards. This number can be up to 40 characters in length. CREATING AN ELEMENT ACCOUNT In order to setup N-Site to accept Element Payment Processing, an account has to be created with Element. If you already have an Account Token, Account ID and an Acceptor ID, then skip to the next section, Configuring N-Site for Element Payment Processing. Contact Element Payment Services to create an account and an will be sent to you with all of the information needed to configure N-Site for Element Payment Processing; Account ID, Account Token and Acceptor ID. CREDIT CARD PROCESSING: ELEMENT VS PCCHARGE There are a few main differences with Element Credit Card Processing versus PC-Charge. Element Features Element Payment Services uses encrypted card swipes for all POS and Kiosk terminals. Each swipe and PIN Pad must be injected with a key code that will encrypt all swipe data. Element Payment Services allows for encrypted card swipes and PIN Pads. Page 3

5 N-Site transfers the track data to Element that will process the credit card transaction. Element will return a token to N-Site with an approval code for the transaction. N-Site does not interact with the swipe data. Manual Credit Card transactions are processed through a secure socket connection web page directly connected to Element Payment Services. No Credit Card Data is stored in N-Site data. Limitation: In N-Site 1.7.0, PIN Pad features are limited. PIN Pad communication is oneway, thus not allowing for the Cash Back feature. SUPPORTED INPUT DEVICES The following devices are the only approved card swipes compatible with N-Site applications. Front POS Devices: ID Tech Swipe Model: IDRE D-E1 Ingenico CE PIN Pad Model: 01T1245A Kiosk Devices: 1. ID Tech Insertion Swipe Model: SPTE NN0N-0C CONFIGURING N-SITE FOR ELEMENT PAYMENT PROCESSING With the integration of Element Payment Processing into N-Site, there is a new parameter screen dedicated solely to the Element Setup. Activating Element Payment Services in N-Site With the integration of Element Payment Services in N-Site, Ideal added the ability to select between the gateway or processor that you choose. Right now, Ideal only supports Element Payment Processing and PC- Charge. This document only pertains to the setup and installation of Element Payment Processing. 1. Under the system parameters, select Credit Cards in the parameter tree. 2. Select Use credit card processing 3. In the drop down box for Gateway/Processor, select Element, see Figure 1, Element credit card processing selection on page 5, below. Page 4

6 FIGURE 1, ELEMENT CREDIT CARD PROCESSING SELECTION 4. Select the + by the Credit Cards in the Parameter Tree. See Figure 2, Credit cards parameter tree on page 5, below. FIGURE 2, CREDIT CARDS PARAMETER TREE 5. Select Element Setup. See Figure 3, Element setup on page 5, below. FIGURE 3, ELEMENT SETUP Page 5

7 6. To enter the Account Token ID, Account ID, Acceptor ID and Terminal ID, select the Change Settings button. See Figure 4, Change settings on page 6, below. FIGURE 4, CHANGE SETTINGS 7. A warning message will appear stating Incorrect credit card settings will prevent this site from processing credit cards. So it is extremely important that the information entered is identical to the ID issued by Element Payment Services. Recommendation: To eliminate errors, it is recommended that the Account Token, Account ID and Acceptor ID are copied and pasted directly from the sent by Element Payment Services. 8. Enter the IDs for each of the fields, Account Token ID, Acceptor ID and Account ID. 9. Select OK to save the information. 10. Once the information is saved, the fields displayed are informational fields only. This is to protect the information so it cannot be accidently changed, which would not allow the site to process credit card transactions. 11. To change the numbers for any reason, just select the Change Settings button, Figure 4, Change settings on page 6, above, and repeat steps 7 through 9. Element settings for each Terminal Just like PC-Charge, the Element settings are Terminal specific. This allows flexibility at the site to only allow specific terminals to allow to process credit cards. It also allows for multi Element account numbers that can be applied to certain terminals. If multi accounts are required, each terminal will have to follow the previous steps in the Activating Element Payment Services in N-Site section. If only one Element account is used for the site, there is an option to apply the settings to each terminal with just one button. 1. After completing steps 1 through 8 in the Activating Element Payment Services in N-Site section, select the Save for all Terminals button, see Figure 5, Save for all terminals on page 6, below. FIGURE 5, SAVE FOR ALL TERMINALS 2. After selecting Save for All Terminals, an information box will appear that states Element credit card parameters saved for all terminals. Just select OK. 3. Select OK to exit out of the System Parameters Page 6

8 PIN Pad Settings The Element Payment Services PIN Pad is a USB device, which is much easier to connect than the PC-Charge PIN Pads. 1. After connecting the PIN Pad, go to System Parameters in N-Site 2. In the parameters tree, select the + by the Terminal Settings option 3. Select PIN Pad, see Figure 6, PIN Pad Parameter Tree on page 7, below. FIGURE 6, PIN PAD PARAMETER TREE 4. On this screen, the only option that pertains to Element Payment Services PIN Pad is the Encryption Type for the connected PIN Pad. See Figure 7, PIN Pad Parameters on page 7, below. FIGURE 7, PIN PAD PARAMETERS 5. Use the drop down box to select the compatible PIN Pad. 6. Select OK to save the parameters. Page 7

9 DAILY OPERATIONS USING ELEMENT CREDIT CARD PROCESSING Most daily operations will be identical to processing credit cards using PC-Charge. The only difference will be how Manual Credit Card transactions are processed. When selecting the Manual Credit Card option as a payment tender in Front POS, a secured socket web browser will appear to type in the credit card information. This information is sent directly to Element Payment services in an encrypted format. Note: The Manual Credit Card window will also allow the card to be swiped directly into those fields. Swiped Credit Card Transactions Normal procedures on how to process a swiped credit card transaction. 1. Select item(s) using Front POS. 2. Select Complete Sale. 3. Swipe the credit card. 4. Receipt Prints Options with Swiped Credit Card Transactions will all remain the same as if PC-Charge was the credit card processor: 1. Tipped transactions 2. Assigning the tip to the employee 3. Multi-Card Payment option Manual Credit Card Transactions Manual Credit Card option as a payment tender in Front POS, a secured socket web browser will appear to type in the credit card information. This information is sent directly to Element Payment services in an encrypted format. Standard Procedure for accepting a Manual Credit Card transaction in Front POS: 1. Select item(s) using Front POS. 2. Select Complete Sale. 3. Select Manual Credit Card. 4. A Secure Socket connection web browser will appear, see Figure 8, Manual Credit Card Window on page 9, below. Page 8

10 FIGURE 8, MANUAL CREDIT CARD WINDOW 5. Enter the Card Number 6. Enter the Expiration Month 7. Enter the Expiration Year 8. Enter the CVV Code 9. Select Process Transaction 10. If Manual Credit Card was selected by accident, select the Red X at the top of the screen. 11. If the Numbers were entered but the customer changed their mind before completing the transaction, select Cancel Transaction to cancel the transaction. Note: The Manual Credit Card window will also allow the card to be swiped directly into those fields. Options with Manual Credit Card Transactions that are available using Element Payment Services are typically the same as PC-Charge with the added secure socket web browser. 1. Tipped transactions 2. Assigning the tip to the employee 3. Multi-Card Payment option Page 9

11 PIN Pad Transactions PIN Pad transactions are slightly different than using PC-Charge. The Element Payment Services PIN Pad is a one-way communication device. This means the no information is transmitted from Front POS to the PIN Pad. The PIN Pad will not display the total of the order. Tips are not allowed with PIN Pad transactions in this version (N-Site 1.7.0). 1. Select item(s) using Front POS. 2. Select Complete Sale. 3. The customer will have the option to select the following numbers on the PIN Pad: a. #1 Manual Credit Card Transaction b. #2 Debit Card Transaction c. Swiping the card without selecting a number will result in a credit card transaction 4. If the customer selected #1 Manual Credit Card Transaction, the customer has the option to either swipe the card or manually enter the card number using the PIN Pad key pad. 5. If the customer selected #2 Debit Card Transaction, the customer must swipe the card at the PIN Pad. Manual entry of the Debit Card number is not allowed. 6. The customers card information is sent to Front POS using an encrypted format. 7. Front POS bundles the amount for the order and the customers encrypted card information to Element for processing. Note: The Element PIN Pad will allow for manual credit card transactions to be completed using the PIN Pad. The Customer will enter the credit card directly into the PIN Pad using the key pad. N-SITE KIOSK CONFIGURATION The Kiosk will automatically populate the Element Account ID, Account Token and Acceptor ID from the N- Site Administrator parameters, see Activating Element Payment Services in N-Site on page 4, above. However, the Kiosk settings can be altered independently if needed. N-Site Kiosk Parameters for Element Payment Services To change the Element Payment Services Account ID, Account Token and Acceptor ID: 1. To access the Kiosk Menu either: a. Swipe a Manager Card at the Kiosk b. On the Main Screen of the Kiosk, type Option i. After typing Option, a password must be entered. If you are unaware of the password, contact Ideal Support for assistance. 2. Select Kiosk Setup, see Figure 9, Kiosk Main Menu, on page 11, below. Page 10

12 FIGURE 9, KIOSK MAIN MENU 3. Select Credit Card/Payment Methods on the Global Settings parameter tree, see Figure 10, Kiosk Global Settings Tree on page 11, below. FIGURE 10, KIOSK GLOBAL SETTINGS TREE 4. Click the drop down menu for Interface, and select Element Note: The Element Credit Card settings, Account ID, Account Token and Acceptor ID will already be populated if these settings have been saved in N-Site Admin parameters. Page 11

13 5. Enter the new code for Account Token ID, Account ID, Acceptor ID and Terminal ID, see Figure 11, Kiosk Parameters on page 12, below. FIGURE 11, KIOSK PARAMETERS Note: Each parameter will be encrypted, but can be changed directly on this screen 6. Select OK to save the parameters. Page 12