SETUP GUIDE. Thank you for your purchase of Hamilton products! In this handy guide, you will discover: ADDITIONAL REQUIREMENTS SETUP HOW IT WORKS

Transcription

1 SETUP GUIDE High Speed Secure Credit Card Processing Thank you for your purchase of Hamilton products! In this handy guide, you will discover: WHAT IS INCLUDED ADDITIONAL REQUIREMENTS HOW IT WORKS SETUP FEATURES FEES GLOSSARY CONTACT INFO Document #5175 4/16

2 WHAT IS INCLUDED? Your Hamilton product will come with one of four hardware configurations: SECURE CARD READER, KEY PAD & DISPLAY, AND CONTACTLESS ANTENNA SECURE CARD READER AND KEY PAD & DISPLAY SECURE CARD READER AND CONTACTLESS ANTENNA SECURE CARD READER ONLY SCR200 SECURE CARD READER Combined magnetic stripe card and ICC (chip card) reader Contactless capable (when combined with BRF210) End-end encryption of all data (Point-to-Point Encryption, P2PE) Employs industry leading 3DES encryption with tamper detection 32-bit ARM7 crypto-processor Extremely fast processing time Rear mount metal bezel CERTIFICATIONS: EMV Level 1 & 2 compliant PCI PTS 3.x PCI SRED (Secure Reading and Exchange of Data) PA DSS v2.0 SKP200 KEY PAD Backlit plastic keys LCD display, 128 x 64 pixel 32-bit ARM7 crypto-processor 16-Bit RISC 8MHz security grid monitor Rear mount metal bezel Robust zinc design Accepts PIN transactions Contactless capable CERTIFICATIONS: PCI PTS 3.x certified BRF210 CONTACTLESS ANTENNA Supports mobile payments (e.g. Apple Pay, Google Wallet, Samsung Pay) 4 display LEDs - vertical or horizontal orientation 32-Bit Cortex M3 120MHz processor Contactless card interfaces - ISO14443A/B CERTIFICATIONS: EMV Contactless L1 & L2 PayPass 2.1/3.x PayWave 2.1 Page 2 of 8

3 ADDITIONAL REQUIREMENTS MERCHANT ACCOUNT A merchant account is required to for you to be able to accept credit cards and can be established through the following: UNITED STATES First Data PNC Wells Fargo Bank of America U.S. Bank TSYS Elavon Chase Paymentech CANADA Chase Paymentech Elavon Payment Express for Interac INTERNET CONNECTION Payment Express connects to the authorization networks over the Internet via a secure connection created by an encryption algorithm within the software. PAYMENT EXPRESS GATEWAY ID To connect a terminal to the financial networks that provide authorizations, you will require a Payment Express Gateway ID and password. This will be provided once your account is set up using the online forms (see page 5). This becomes part of the merchant profile, which is downloaded directly into the secure card reader by Payment Express for the utmost security. Your Payment Express Gateway should be kept confidential because it enables real-time transaction processing. DESIGNATED MERCHANT ADMINISTRATOR The Payment Express Merchant Administrator should be designated as the individual who has authority to enable access to Payment Express Payline Portal. The Merchant Administrator has the ability to: - add and delete individual users - run reports - manage user ID s and passwords Page 3 of 8

4 HOW DOES IT WORK? THE PAYMENT EXPRESS GATEWAY SERVICE Taking card payments requires three components: The Point of Sale Software (Hamilton products): the software interface that tracks what is being purchased The Payment Gateway (Payment Express): Payment Express provides a level 1 PCI compliant payment gateway. All of the customer credit card information is fully encrypted on the gateway, and Payment Express is responsible for securely processing a customer s card transaction. Once complete, the information is then sent to one of the banks Payment Express is certified with in a daily uplink. The credit card authorization information is sent with each transaction record. The Acquiring Bank: responsible for settling the processed transactions into your chosen business bank account(s). You will need to get a Merchant ID with one of the banks that Payment Express is certified with. Once Payment Express has the Merchant ID, the credit card authorization data can be sent to your bank and they will pay your company, settling the funds into your account. SECURITY AND ENCRYPTION The Payment Express terminal solutions have robust encryption measures in place to prevent personal cardholder data breaches without compromising the speed and convenience of your cardholders financial transactions. The payment devices have implemented the most comprehensive, P2PE security solution available, that immediately encrypts data at the point of swipe so personal information is never in the clear. They also incorporate Payment Express proprietary DUKPT key management system that dynamically encrypts every transaction with a unique key, as well as being PA DSS v2.0 certified. Page 4 of 8

5 SETUP STEP 1: COMPLETE AN APPLICATION AT PAYMENTEXPRESS.COM Click the SIGN UP NOW button on the Payment Express website ( Fill in the application form with all relevant information - for Account type select Standard - under Product selection, select PxPay 2.0 Submit the application to Payment Express and note your Customer ID Number STEP 2: COMPLETE REQUIREMENTS FOR PAYMENT EXPRESS ACCOUNT ACTIVATION Establish an Electronic Merchant ID Number To process transactions, you will need an electronic merchant number. Please contact one of the merchant banks Payment Express is certified with from the list below: TSYS Merchant Solutions tsysmerchantsolutions.com Chase Paymentech (U.S.) (Canada) Bank of America Merchant Services Elavon Wells Fargo Set up method of payment You ll need to register a credit card for your monthly invoices here: - select Add Card Only - don t forget to include the Customer ID Number you were provided during your initial Payment Express application Activation Once you ve established your electronic merchant ID number and method of payment for invoicing, Payment Express will contact you to activate your account. Activation typically takes 48 hours. Page 5 of 8

6 FEATURES An added feature of a Payment Express Unattended Payment Solution is Payline. This complimentary service allows merchants to manage transactions, create reports, and view payment transactions. Highlights include: Easy to use, Web-based, virtual point-of-sale terminal Built-in encryption Create daily settlement reports & customized reports. Monitor all your locations and view transactions in real-time. Process, refunds, run batch transactions Reconciliation reports in CSV or PDF formats Your Payment Express Support Rep will walk you through the initial set up and overview of your Payline account. FEES PLAN NAME MONTHLY FEE INCLUDED TRANSACTIONS PER TRANSACTION OVERAGE FEE SUPPORT AGREEMENT TERMS Starter Plan 1 $0 N/A $ /7 12 months Starter Plan 2 $ $ /7 12 months Business Plan $60 1,000 $ /7 12 months Corporate Plan $250 5,000 $ /7 24 months Enterprise Plan $450 10,000 $ /7 24 months Software/Compliance Updates + Hardware Maintenance, Support (per terminal per month) $5 Page 6 of 8

7 GLOSSARY MERCHANT Provides the point-of-sale payment solution in order to sell their product or services to a customer, e.g. a car wash operator. CUSTOMER/CONSUMER The cardholder placing a purchase via the merchant s payment solution. The cardholder receives their credit card from an issuer. ISSUER/ISSUING BANK The card company (Visa, MasterCard etc.) or bank that issues the credit card to a cardholder. ACQUIRER/MERCHANT BANK The financial institution that provides the merchant with the necessary merchant accounts for accepting credit card payments (e.g. Visa, MasterCard). The acquirer processes authorizations and settlements to the merchant s accounts and handles the financial exchanges between the merchant and customer s credit card issuer bank. PAYMENT GATEWAY PROVIDER This is Payment Express. Payment Express provides the gateway technology to process payments via the Internet. This is the bridge between the merchant s point-of-sale and the acquirer s financial processing system. PROCESSOR/PROCESSING NETWORK/BANK PROCESSOR The clearing house provider that processes the credit card transactions and settles funds to the acquirer/merchant. The processor works as the central clearing house for the acquirer and conducts processing between the merchant site and the acquirer. The processor is connected to the merchant via the payment gateway provider. EMV A payment card standard (developed by Europay, MasterCard, and Visa) incorporating chip technology for strong authentication, encryption and fraud control. Rather than swiping a credit card to read the magnetic strip, the card is inserted into a slot or held near a wireless reader. EMV technology provides greater protection against copying and re-using static data from the magnetic stripe. Using an EMV card can take longer than a card with a magnetic stripe. The liability shift in the U.S. was Oct 1, 2015 for all but ATMs and pay-at-the-pump (Oct 1, 2017), in Canada it was Dec 2012 for all but Interac (Dec 31, 2015). CONTACT INFO Payment Express 8939 South Sepulveda Boulevard Suite 520 Los Angeles, CA USA support@paymentexpress.com Phone: For international contact information, please visit paymentexpress.com/contact_us Page 7 of 8

8 CREDIT CARD SETUP GUIDE 1026 Hamilton Dr. Holland, OH P: P: F: hamiltonmfg.com Document #5175 4/16