Overview of Credit Card Payment Processing in Digital StoreFront

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1 Overview of Credit Card Payment Processing in Digital StoreFront Integrating credit card payment processing with your web storefront will streamline your e-commerce workflow from order placement through checkout. Digital StoreFront currently supports hosted payment gateways (CyberSource Secure Acceptance, PayPal Payflow Link) and non-hosted payment gateways (PayPal Payflow Pro, PayPal Payments Pro, Ogone, WPM, ipay 88, PX Pay, Braspag-Pagador). This document provides an overview of payment processing in Digital StoreFront and addresses frequently-asked questions (FAQs). General Overview of Credit Card Workflow for Hosted Payment Gateways (PayPal Payflow Link and CyberSource Secure Acceptance) 2014 Electronics for Imaging, Inc. All rights reserved. / Doc v. 1.2 June 2014

2 2 EFI Digital StoreFront Digital StoreFront Credit Card Payment Workflow General Overview of Credit Card Workflow for Non-Hosted Payment Gateways Integrated Payment Gateways Before setting up your merchant account in Digital StoreFront, you will need to establish an account with one of the payment gateways Digital StoreFront supports (if you have not already done so). CyberSource Secure Acceptance For more information on CyberSource, contact CyberSource at: PayPal Payflow Link When Payflow Link is being used, all credit card and shipping address information will be entered on the Paypal web site. Digital StoreFront does not handle entering information and does not make the call to do the credit card authorization. Instead, Digital StoreFront redirects to the Paypal/Payflow Link URL and 2014 Electronics for Imaging, Inc. All rights reserved. / Doc v. 1.2 June 2014

3 EFI Digital StoreFront 3 allows buyers to enter their information. Paypal then redirects the buyer back to the Digital StoreFront site to complete the order. For more information on PCI compliance with Payflow Link visit: To establish your Payflow Link account, visit: PayPal Payflow Pro When you use Payflow Pro, all credit card information is entered on the Digital StoreFront site on a Digital StoreFront page. Digital StoreFront thus handles securing the page and makes the method calls to the PayPal API to do the authorization. To establish your Payflow Payflow Pro account, visit: PayPal Payments Pro Note PayPal Payments Pro is called Website Payments Pro in Digital StoreFront. To establish your PayPal Payments Pro account, visit: Ogone Note Ogone has changed its name to Ingenico. To establish your Ogone e-commerce account, contact Ogone (via the contact information for your country on the Ogone Payment Services corporate web site at WPM For more information on WPM's complete line of payment products and services, visit the WPM corporate web site at or For information on WPM's online payment systems and online store solutions tailored specifically for educational institutions, visit or contact WPM by phone at +44 (0) PX Pay If you are interested in integrating a PxPay merchant account with Digital StoreFront, please contact EFI technical support by at dsfhelp@efi.com. EFI Professional Services will assist you in setting up and configuring your site with a Px Pay merchant account. For more information on PxPay merchant services, please visit ipay88 For more information on ipay88 gateway services, contact ipay at: Braspag-Pagador For more information on Pagador gateways services, contact Braspag-Pagador at: The Gateway Supported Payment Types Gateway Visa MasterCard PayPal Braspag-Pagador X CyberSource Secure Acceptance X ipay88 Ogone PayPal Payflow Link

4 4 EFI Digital StoreFront Digital StoreFront Credit Card Payment Workflow Gateway Visa MasterCard PayPal PayPal Payflow Pro X PayPal Payments Pro PX Pay X WPM Setting Up Merchant Accounts in Digital StoreFront After establishing an account with your preferred payment gateway provider, you will set up the merchant account (to integrate with it) in Digital StoreFront. Credit card transactions and merchant accounts are managed on the Credit Card Management and Configuration page (accessed by selecting Administration > Credit Card Management and Configuration from the Administration home page) shown below:

5 EFI Digital StoreFront 5 The administrator sets up the merchant account details on the administration side of Digital StoreFront. The image below shows the screen where the administrator defines Merchant Account details: Buyer Order Workflow 1. The buyer enters credit card details in the browser when ordering a product from a Digital StoreFront site. 2. The credit card details are sent from the buyer s browser to Digital StoreFront via an SSL-encrypted connection. 3. The payment manager in Digital StoreFront retrieves the credit card details from the sent from the buyer s browser and transmits them to the credit card gateway (e.g., Cybersource, Payflow Pro) for authorization of the order amount. 4. If the authorization is successful, the buyer is permitted to complete placing the order. 5. Digital StoreFront then stores the transaction ID (that does not contain any of the credit card details) in the database for future reference. 6. The diagram below illustrates at a high level the interactions between the buyer, Digital StoreFront, and the credit card gateway:

6 6 EFI Digital StoreFront Digital StoreFront Credit Card Payment Workflow Technical Notes on Data Exchange between Digital StoreFront and the Credit Card Gateway The credit card details provided by the buyer are processed in the Digital StoreFront application domain and are not persisted either in the database or file system. The transaction ID returned by the credit card gateway is the only reference between the order, the buyer, and the merchant account, and this reference cannot be retrieved by Digital StoreFront at any time. The data exchange between Digital StoreFront and the credit card gateway is on an SSL-encrypted connection. The payload is defined as a strongly-typed XML document. The delivery mechanism is XML-based. Operator Workflow 1. When the order is ready to be shipped, the operator changes the order status in Digital StoreFront to Shipped. 2. The payment manager in Digital StoreFront retrieves the transaction ID for the order and contacts the credit card gateway for capturing the order total from the buyer s credit card. 3. The credit card gateway returns a status (success or failure), which changes the order status to Shipped. 4. The diagram below illustrates at a high level the interactions between the operator, Digital StoreFront, and the credit card gateway.

7 EFI Digital StoreFront 7 Operator Workflow During the order status update Digital StoreFront performs the following steps: 1. Updates the order status. 2. Retrieves the payment transaction object to process the payment. 3. Retrieves information on the merchant account the order is using. 4. Completes the order payment. What You Need to Implement Credit Card Payments in Digital StoreFront What you need Merchant Bank Account Where to get it The bank or other financial institution of your choice Note: PayPal (Website) Payments Pro serves as its own merchant bank account and thus does not require that you have a separate merchant account for processing through its gateway. Credit Card Processing Module SSL Certificate (digital server certificates required for transmitting credit card information) Licensable option available from your Digital StoreFront vendor You can purchase SSL certificates from many vendors, such as:

8 8 EFI Digital StoreFront Digital StoreFront Credit Card Payment Workflow Major Credit Card Payment Processing Tasks in Digital StoreFront Task Authorization Capture Settlement Cancel Issue Credit What it means and how it works in Digital StoreFront Authorization is the process by which Digital StoreFront routes a request through the payment gateway to ensure that the buyer s credit card has sufficient funds to pay for the order. Your gateway/merchant account holder sends a request to the bank that issued the buyer s credit card to verify that funds are available. Authorization typically takes less than three seconds. If a charge is authorized, the authorization remains valid for a period set by your payment processor (i.e., CyberSource or PayPal) and places a hold on the buyer s credit limit for the authorized amount (i.e., the order amount plus $15 or 10% percent of the order amount whichever is greater). Note: Contact your payment processor for information on how long (1) the hold remains on the buyer s account, and (2) the authorization remains valid. Note: If an order is marked Shipped after the hold period expires, the order will fail with an error message (check the Event Log for details) and capture will not occur. You will then have to contact the buyer to resolve the order. In Digital StoreFront, Authorization is triggered (1) when the buyer clicks the Place My Order button for a priced item that the buyer has opted to pay for via credit card, or (2) when the buyer approves the price quoted for a manual quote that the buyer has opted to pay for via credit card. Digital StoreFront always request authorization for the Order Amount + additional amount of $15 or 10% of order amount (whichever is higher). If changed amount is within this authorized amount limit we can always capture that amount. This buffer amount covers taxes, shipping, and various other incidental charges that can cause the actual order charge to exceed the order amount. Capture releases the actual order amount (may not be equal to the authorized amount) so you get paid at Settlement. In Digital StoreFront changing the status of an order paid by credit card to Shipped in the Order View or Operator View. This settles the order and transfers the funds to your merchant account. In order for capture to occur, all line items in a multi-line order must be marked Shipped. Note: If your site is integrated with an MIS, credit card capture works the same way: When the order status is changed to Shipped, the credit card is charged for the order amount. Settlement occurs when a transaction is processed between a merchant account provider and the bank that issued the buyer s credit card. When capture occurs (payment is made for a sale), funds are transferred from the issuing bank/card association to your merchant account or PayPal account. Voids a credit card payment transaction. The entire amount of an order may be voided by bringing up the transaction detail and pressing the Credit This Order button. You cannot re-void an order. When you cancel an order in Digital StoreFront, Digital StoreFront will attempt canceling the authorization as well. Credits customer balance after a credit card payment transaction has been settled. If you need to issue credit to a customer after a transaction has been settled (i.e., funds have been posted to your merchant bank account), there are two ways to do this in Digital StoreFront. Both apply to Payflow Pro and PayPal Payments Pro transactions whereas only one applies to CyberSource transactions. Issue manual credit (for Payflow Pro, PayPal Payments Pro, or CyberSource) Credit this order (for Payflow Pro or PayPal Payments Pro only)

9 EFI Digital StoreFront 9 Frequently Asked Questions Question What is the difference between the functions Digital StoreFront administrators/operators can perform on transactions made through PayPal (Website) Payments Pro vs. Payflow Pro vs. CyberSource? Can I accept PayPal payments on my Digital StoreFront site? How much do payment gateways charge for processing credit card transactions? What is the difference between PayPal (Website) Payments Pro and Payflow Pro Gateway? Can I set up more than one merchant account in Digital StoreFront? Is credit card information stored in Digital StoreFront? Answer All three payment gateways that Digital StoreFront supports (PayPal Payments Pro, PayPal Payflow Pro, and CyberSource) have similar functionality: Authorization, Capture, Void, and Issue Manual Credit. Digital StoreFront does not provide adjustment or delete functionality. PayPal (Website) Payments Pro and Payflow Link can accept PayPal transactions if the account is configured to do so. (You can accept PayPal payments in Payflow Pro only if your account is enabled with the Express Checkout option; contact PayPal customer support for help enabling Express Checkout with your Payflow Pro account). Digital StoreFront itself does not support PayPal as a payment method, however, and does not support Bill Me Later. Each gateway has its own pricing schedule, with account set-up charges, transaction fees, monthly maintenance, etc. Contact the supported payment gateways at the contact listed in this guide for pricing information. PayPal (Website) Payments Pro is an Internet merchant account and payment gateway in one; Payflow Pro is a payment gateway if you already have an Internet merchant account (i.e., with another bank or vendor). You can set up multiple merchant accounts in Digital StoreFront for your Print Shops. For instance, you could set up separate merchant accounts for two or more Print Shops. Let s say your account has two production facilities (Print Shops) one in Baltimore and one in Sacramento. The Baltimore print shop accepts customer payments via VISA and MasterCard (as specified on the Print Shops page); the Sacramento print shop accepts all major cards (i.e., American Express Corporate, Australian BankCard, Diners Club, Discover, JCB, MasterCard, Visa). You can set up a separate merchant account in the system for each print shop that will present customers only with the payment options accepted at that print shop. You can also share merchant accounts between print shops. No. Credit card information is never stored in Digital StoreFront.

10 10 EFI Digital StoreFront Digital StoreFront Credit Card Payment Workflow Contact Information Digital StoreFront Support US Phone: (select option 4 then option 1) Hours: US Europe Phone: Hours: 8 a.m. 8 p.m. EST dsfhelp@efi.com (NL) (DE) (UK) 9 a.m. 5 p.m. CET EU dsfhelp@efi.com Outside of these hours, you may leave a voice mail message and an on-call support representative will be paged. Response time is based on the severity of the issue. Note For problems involving infrastructure (i.e., computers, networks, operating systems, backup software, printers, third-party software, etc.), contact the appropriate vendor. EFI cannot support these types of issues. EFI Professional Services US Phone: US Fax: ProServices@efi.com EFI Professional Services can help you perform EFI software installations, upgrades, and updates. This group can also help you implement, customize, and optimize your EFI software plus offer a range of training options.