Credit Card Processing Setup

Transcription

1 Credit Card Processing Setup Users Settings Payments Credit Card Processing Settings Credit Card Processing Settings Basic Setup 2 Card Processing 4 Credit Card Processor 5 Setting up Authorize.net 6 Setting up Payflow Pro 7 Setting up Website Payments Pro 8 Setting up Chase Paymentech 10

2 Credit Card Processing Settings Basic Setup To set up Credit Card Processing in the Site Manager: 1. Click on the Credit Card Processing Settings gray bar to expand the section. 2. Place a check in the box next to Credit Cards to enable the functionality. 3. Select your desired Credit Card Processor from the drop-down list 4. If you wish to make the CVV field mandatory on the checkout page, select the CVV2 field Required box. To prevent fraud and protect your customers, ShopVisible recommends enabling this feature. 5. If you wish to handle international orders differently and manually process cards for international orders, select the checkbox next to Manually Process Intl Orders. 6. Choose your Card Processing method (see definitions below) 7. Enter the amount of times that a declined credit card may be re-entered in the Declined Card Retry Count field. ShopVisible recommends a setting of between 2 and 4 for the security if you and your customers ShopVisible, LLC v Credit Card Processing Settings 2

3 8. Place a check next to the credit cards you wish to accept on your checkout page in the Select Credit Cards section. 9. Enter your Merchant Username 10. Enter and confirm your Merchant Password 11. Enter your Transaction Key 12. Click the Save button to save all changes Once you have completed this process, confirm that the set up is correct by testing a live credit card on your staging site. Note: Specific instructions for setting up Authorize.net, PayFlowPro, Website Payments Pro, and Chase Paymentech are listed following the Card Processing definitions 2010 ShopVisible, LLC v Credit Card Processing Settings 3

4 Card Processing The ShopVisible Site Manager provides five options for Credit Card Processing: Capture Funds at Checkout Manually Process Cards Authorize Only at Checkout Authorize and Void at Checkout Auth/Void Fixed Amount, Capture Actual Capture Funds at Checkout Most clients opt to Capture Funds at Checkout. This option will immediately authorize then capture funds upon placement of order. This is an ideal setting if you have products on hand and ship orders within 48 to 72-hours of order placement. Manually Process Cards If you do not have a payment solution integrated with the platform, you will select Manually Process Cards. Manually processing cards does not authorize nor capture funds upon checkout. This means that you may open yourself up to fraudulent orders that require additional research since the system is not verifying the card, address, or CVV code. Note: When this option is selected, you will need to manually Process Payment and enter an authorization code at the order level. Authorize Only at Checkout For clients who do not have stock on-hand and have an integrated online payment solution, you will select Authorize Only at Checkout. This option authorizes the order total on the customer s account upon checkout, but does not capture funds. Authorization verifies that the total amount of the order from the customer s account is available and allows you to capture funds at a later date against that authorization. Authorization places a hold on this total to allow you to capture the funds against the prior authorization. Note: When this option is selected, you will need to manually Process Payment at the order level or on the QuickShip screen upon shipping the order ShopVisible, LLC v Credit Card Processing Settings 4

5 Authorize and Void at Checkout Authorize and Void at Checkout offers a similar functionality as Authorize Only at Checkout. The primary difference between the two functions is that Authorize and Void at Checkout will immediately void the authorization and hold amount from account the customer s credit card account. Depending on the bank, debit cards may retain authorization amount holds for up to 72-hours. Note: When this option is selected, you will need to manually Process Payment at the order level or on the QuickShip screen upon shipping the order. Auth/Void Fixed Amount, Capture Actual Similar to Authorize and Void at Checkout, Auth/Void Fixed Amount, Capture Actual authorizes a fixed amount set and determined by you at checkout. It then captures the actual order total after voiding the pre-determined authorization amount. This setting allows you to verify that a customer has enough funds on the credit or debit card for ongoing subscriptions or future purchases, but then releases the hold on the authorization to capture the actual total for the order. Another use of this function is if customer is paying for a product in installments. The total amount of the order might be $350, but the customer is only paying in $50 installments. You may authorize and void for a set value of $350, but only capture the initial order total of $50. Note: This option captures the funds upon checkout and requires no additional manual processing. FraudLogic may be used with any of these credit card processing settings. FraudLogic is managed through the Commerce tab (Commerce Orders FraudLogic). Credit Card Processor ShopVisible is integrated with a number of credit card gateway providers. Each gateway has a unique set-up associated with it. The following pages detail the set-ups for the most commonly used payment gateways: 2010 ShopVisible, LLC v Credit Card Processing Settings 5

6 Setting up Authorize.net To set up Authorize.net as your Credit Card Processor: 1. Click on the Credit Card Processing Settings gray bar to expand the section. 2. Place a check in the box next to Credit Cards to enable the functionality. 3. Select Authorize.net from the Credit Card Processor drop-down list 4. If you wish to make the CVV field mandatory on the checkout page, select the CVV2 field Required box. To prevent fraud and protect your customers, ShopVisible recommends enabling this feature. 5. If you wish to handle international orders differently and manually process cards for international orders, select the checkbox next to Manually Process Intl Orders. 6. Choose your Card Processing method (see definitions above) Note: If you select Auth/Void Fixed Amount, Capture Actual, enter the fixed amount to Auth/Void in the Minimum Auth/Void amount field. 7. Enter the amount of times that a declined credit card may be re-entered in the Declined Card Retry Count field. ShopVisible recommends a setting of between 2 and 4 for the security if you and your customers. 8. Place a check next to the credit cards you wish to accept on your checkout page in the Select Credit Cards section. 9. Enter your unique Authorize.net API Login ID into the Merchant Username field 10. Enter and confirm your unique Authorize.net Transaction Key into the Merchant Password field 11. Leave the Transaction Key field blank. 12. Click the Save button to save all changes Once you have completed this process, confirm that the setup is correct by testing a live credit card on your staging site ShopVisible, LLC v Credit Card Processing Settings 6

7 Setting up Payflow Pro To set up Payflow Pro as your Credit Card Processor: 1. Click on the Credit Card Settings gray bar to expand the section. 2. Place a check in the box next to Credit Cards to enable the functionality. 3. Select Authorize.net from the Credit Card Processor drop-down list 4. If you wish to make the CVV field mandatory on the checkout page, select the CVV2 field Required box. To prevent fraud and protect your customers, ShopVisible recommends enabling this feature. 5. If you wish to handle international orders differently and manually process cards for international orders, select the checkbox next to Manually Process Intl Orders. 6. Choose your Card Processing method (see definitions above) Note: If you select Auth/Void Fixed Amount, Capture Actual, enter the fixed amount to Auth/Void in the Minimum Auth/Void amount field. 7. Enter the amount of times that a declined credit card may be re-entered in the Declined Card Retry Count field. ShopVisible recommends a setting of between 2 and 4 for the security if you and your customers. 8. Place a check next to the credit cards you wish to accept on your checkout page in the Select Credit Cards section. 9. Create a sub-account for ShopVisible in your PayFlow Pro account. For ease of setup, name the subaccount ShopVisible. 10. Enter the following in the Merchant Username, Password, and Transaction Key fields.: a. Merchant Username: Include the PayFlow Pro Merchant Login, PayFlow Pro User. For example: WholeSaleItems;shopvisible. b. Merchant Password: Enter and confirm the PayFlow Pro password for the ShopVisible subaccount. c. The Transaction Key field is mandatory. It should contain the Partner Name. For example: PayPal, VeriSign, etc ShopVisible, LLC v Credit Card Processing Settings 7

8 11. Click the Save button to save all changes Once you have completed this process, confirm that the setup is correct by testing a live credit card on your staging site. Setting up Website Payments Pro To set up Website Payments Pro as your Credit Card Processor: 1. Click on the Credit Card Settings gray bar to expand the section. 2. Place a check in the box next to Credit Cards to enable the functionality. 3. Select Authorize.net from the Credit Card Processor drop-down list 4. If you wish to make the CVV field mandatory on the checkout page, select the CVV2 field Required box. To prevent fraud and protect your customers, ShopVisible recommends enabling this feature. 5. If you wish to handle international orders differently and manually process cards for international orders, select the checkbox next to Manually Process Intl Orders. 6. Choose your Card Processing method (see definitions above) Note: If you select Auth/Void Fixed Amount, Capture Actual, enter the fixed amount to Auth/Void in the Minimum Auth/Void amount field. 7. Enter the amount of times that a declined credit card may be re-entered in the Declined Card Retry Count field. ShopVisible recommends a setting of between 2 and 4 for the security if you and your customers. 8. Place a check next to the credit cards you wish to accept on your checkout page in the Select Credit Cards section. 9. In the Merchant Username field, enter the PayPal API Username. Typically, this will look like your login address with symbol replaced by _api ShopVisible, LLC v Credit Card Processing Settings 8

9 10. In the Merchant Password field, you will enter the PayPal API Password. Confirm this in the Confirm Password field. 11. In the Transaction Key (optional) field, you must enter PayPal Signature. This is a long string of letters and numbers in upper and lowercase. 12. Click the Save button to save all changes Once you have completed this process, confirm that the setup is correct by testing a live credit card on your staging site. Note: In your PayPal account, you can locate all this information by: 1. Go to the My Account tab and select Profile. 2. In the Account Information section, select Request API credentials. 3. Click the Set up PayPal API credentials and permissions link. 4. If you have not yet created API credentials, request API credentials. 5. Click the View API Certificate link. You will now see the API information requested above ShopVisible, LLC v Credit Card Processing Settings 9

10 Setting up Chase Paymentech To set up Paymentech as your Credit Card Processor: 1. Click on the Credit Card Settings gray bar to expand the section. 2. Place a check in the box next to Credit Cards to enable the functionality. 3. Select PaymentTech from the Credit Card Processor drop-down list 4. If you wish to make the CVV field mandatory on the checkout page, select the CVV2 field Required box. To prevent fraud and protect your customers, ShopVisible recommends enabling this feature. 5. If you wish to handle international orders differently and manually process cards for international orders, select the checkbox next to Manually Process Intl Orders. 6. Choose your Card Processing method (see definitions above) Note: If you select Auth/Void Fixed Amount, Capture Actual, enter the fixed amount to Auth/Void in the Minimum Auth/Void amount field. 7. Enter the amount of times that a declined credit card may be re-entered in the Declined Card Retry Count field. ShopVisible recommends a setting of between 2 and 4 for the security if you and your customers. 8. Place a check next to the credit cards you wish to accept on your checkout page in the Select Credit Cards section. 9. In the field outlined below, you will enter the following: a. Merchant Username: Enter your Merchant ID b. Merchant Password: for Tampa (Default password) or for Salem c. Confirm Password: Re-enter above password d. Transaction Key (Optional): Enter the terminal number. The default terminal number is Click the Save button to save all changes 2010 ShopVisible, LLC v Credit Card Processing Settings 10

11 11. As a final action item to activate Paymentech on the ShopVisible platform, please contact Paymentech notifying them that they will be receiving transactions from the ShopVisible server. Provide them the ShopVisible server IP address which is: Once you have completed this process, confirm that the setup is correct by testing a live credit card on your staging site ShopVisible, LLC v Credit Card Processing Settings 11