ICVERIFY for Windows Version 4.0, Release 4 Setup Guide

Transcription

1 ICVERIFY for Windows Version 4.0, Release 4 Setup Guide All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. This version of this document supersedes any and all previous versions of the ICVERIFY for Windows Setup Guide. Revision Date: 01 March 2010 ICVERIFY, Inc South Quebec Street Suite 350 Greenwood Village, CO USA For Sales and Product Information, call: (800) For Technical Support, call: (800)

2 Table of Contents CHAPTER 1 INTRODUCTION TO ICVERIFY FOR WINDOWS SETUP GUIDE... 1 PURPOSE OF THIS GUIDE... 1 Audience... 1 Style Conventions... 1 CONTENTS OF THIS GUIDE... 2 PREREQUISITES... 2 MINIMUM SYSTEM REQUIREMENTS... 3 GETTING HELP... 4 CHAPTER 2 BEFORE YOU BEGIN... 5 OVERVIEW... 5 ABOUT ICVERIFY FOR WINDOWS... 5 Features Overview... 6 SECURING ACCESS TO THE ICVERIFY PRODUCT... 6 TIPS FOR NEW USERS... 7 Logging Into ICVERIFY for Windows... 7 Enabling Training Mode... 8 Using Training Mode... 9 THE ICVERIFY INTERFACE Key Interface Areas TRANSACTION PROCESSING NETWORKS Processor Terminology CREDIT CARD BASICS TYPES OF PROCESSORS Terminal-Based Processing Host-Based Processing Settling Funds / End-of-Day MERCHANT ACCOUNT SETUP Gathering Setup Information CHAPTER 3 INSTALLING AND SETTING UP ICVERIFY FOR WINDOWS OVERVIEW INSTALLATION OPTIONS INSTALLING ICVERIFY FOR WINDOWS The Default User Account After Restarting Your Computer The ICVERIFY Setup Wizard Special Notes for First Data Omaha Merchants Changing Processor Settings CONFIGURING YOUR PRINTER(S) PRIVATE LABEL AND NON-BANKCARD PROCESSING Private Label Setup Private Label Card Configuration SETUP FIELDS USING ADVANCED SETUP Merchant Information SERIAL NUMBERS OBTAINING A VALIDATION CODE... 44

3 Validation Options USING THE UPGRADE WIZARD CHAPTER 4 SETTING UP INTERNET PROCESSOR ACCESS OVERVIEW Internet Service Providers and Internet Connections SETUP FOR MERCHANTS PROCESSING OVER THE INTERNET ICVERIFY Setup Wizard: JCard Connection Information INTERNET SETTINGS FOR DATAWIRE CAPABLE PROCESSORS IPN Connection Tab INTERNET SETTINGS FOR CHASE PAYMENTECH PNS Network Tab INTERNET SETTINGS FOR TSYS VIRTUALNET AND CITI CREDIT SERVICES VirtualNet Network Tab INTERNET SETTINGS FOR NOVA INFORMATION SYSTEMS NOVA Transport Tab INTERNET SETTINGS FOR FIRST DATA EFSNET First Data Atlanta Network Tab INTERNET SETTINGS FOR FIRST HORIZON MERCHANT SERVICES First Horizon Network Tab INTERNET SETTINGS FOR RBS LYNK SYSTEMS RBS Lynk Network Tab INTERNET SETTINGS FOR GE RSF GE IPN Network Tab GE Application Processing Network Tab INTERNET SETTINGS FOR GLOBAL PAYMENTS EAST PLATFORM Global Payments Network Tab INTERNET SETTINGS FOR HEARTLAND PAYMENT SYSTEMS Heartland Exchange Network Tab INTERNET SETTINGS FOR DATAMARK Datamark IPN Tab SETTINGS FOR FIRST DATA DYNAMIC CURRENCY CONVERSION FEXCO Tab CHAPTER 5 SETTING UP AN ICVERIFY PAYMENT NETWORK OVERVIEW THE ICVERIFY USER MANAGER INSTALLING ICVERIFY ON MULTIPLE COMPUTERS Setting Up and Using a Network Network Setup Guidelines Substations MASTER STATION COMMAND LINE OPTIONS CHAPTER 6 SETTING UP ICVERIFY FOR MULTIPLE MERCHANTS OVERVIEW Getting Started UNDERSTANDING MULTIPLE MERCHANT CONVENTIONS Naming Setup Files Specifying a Data Directory Specifying User Permissions SETTING UP MULTIPLE MERCHANTS Setting Up the First Merchant Setting Up the Remaining Merchants Populating the Merchants Table SWITCHING BETWEEN MERCHANTS

4 APPENDIX A OPTIONS DIALOG OVERVIEW MODES TAB SUBSTATION TAB RECEIPT TAB CARD READER/ PIN PAD SETUP TAB MICR CHECK READER SETUP TAB CONTACTLESS READER SETUP TAB TIME / DATE TAB KEYCORP EMV PINPAD SETUP TAB APPENDIX B SETUP DATA OVERVIEW CREDIT CARD SETUP DATA BY PROCESSOR DEBIT CARD SETUP DATA CHECK SETUP DATA STORED VALUE / GIFT CARD SETUP DATA PRIVATE LABEL AND APPLICATION PROCESSING SETUP DATA APPENDIX C ADVANCED SETUP TABS OVERVIEW TERMINAL ID TAB MERCHANT INFORMATION TAB CREDIT CARDS TAB STORED VALUE TAB DEBIT CARDS TAB CHECK GUARANTEE TAB HARDWARE TAB OPTIONS TAB PRINTING OPTIONS TAB

5 Introduction to ICVERIFY For Windows Setup Guide Chapter 1 Introduction to ICVERIFY For Windows Setup Guide Purpose of This Guide This guide describes how to set up and configure the ICVERIFY for Windows application. Audience This guide is intended for merchants who want to use ICVERIFY for Windows to process transactions. Specifically, the person who intends to install and perform initial configuration of the software should read this guide. Style Conventions The following style conventions are used in this document: Bold type indicates items such as file names, window names, and buttons. Italics type indicates a reference to another document, or terms that are defined within the text. NOTE: Indicates suggestions or additional, detailed, information.!!! Indicates actions you must take or avoid for the system to operate properly. Page 1 of 156

6 Introduction to ICVERIFY For Windows Setup Guide Contents of This Guide The chapters and appendixes in this document contain the following information: Chapter 1, Introduction to ICVERIFY for Windows Setup Guide, presents you with a brief overview of the document. Chapter 2, Before You Begin, provides background on Processors and ICVERIFY, and outlines the tasks you must perform before you can install ICVERIFY for Windows. Chapter 3, Installing and Setting Up ICVERIFY for Windows, explains how to install, upgrade, and set up the software product. Chapter 4, Setting Up Internet Processor Access, explains how to configure the ICVERIFY product to reach certain processing platforms over the Internet. Chapter 5, Setting Up ICVERIFY for Multiple Users, describes how to set up your ICVERIFY software for a multiple-user environment, including the ICVERIFY User Manager application. Chapter 6, Setting Up ICVERIFY for Multiple Merchants, describes how to set up the product for use by multiple merchants. Appendix A, Options Dialog, describes the Options dialog. Appendix B, Setup Data, describes the Processor information required during setup. Appendix C, Advanced Setup Tabs, describes the options available in the tabs located in the ICVERIFY Setup dialog. Prerequisites Prior to operating the ICVERIFY application, you must complete the following tasks: Establish a merchant account with a bank that is licensed to provide merchant payment services (also called an acquiring bank.) Confirm that your computer system meets the minimum requirements, including the service pack levels required for your chosen operating system. Obtain your Processor setup information from the merchant representative at your acquiring bank. Finally, you must install, set up and register the software. Page 2 of 156

7 Introduction to ICVERIFY For Windows Setup Guide Minimum System Requirements To use ICVERIFY for Windows, you will need the following: A Pentium/Athlon computer running 32-bit versions of Microsoft Windows 2000 (service pack 4 or later), Windows XP Home / Professional (service pack 2), Windows 2003 Server (service pack 1) or either 32- or 64-bit versions of Windows Vista. 500 Megabytes of free hard drive space. Broadband Internet access recommended for Internet processor access; dial-up Internet accounts are not recommended. This version of ICVERIFY software supports transacting with the following networks via the Internet: First Data Corporation North, South, Atlanta, Omaha and Nashville Chase Paymentech Tampa Citi Credit Services First Horizon Merchant Services GE Retail Sales Finance Global Payments East Heartland Payment Systems Datamark Technologies / Stored Value Systems Elavon RBS Lynk Systems TSYS Acquiring Solutions 256 Megabytes of RAM (512 MB recommended) CD-ROM drive Optional peripherals include: Magnetic stripe or contactless card reader or EMV Chip Reader for card-present transaction processing MICR reader for check processing PIN-pad for debit/atm card acceptance If your processing network is not Internet-enabled, 100% Hayes-compatible modem for dial-up processor connections, able to step down to 300 or 1200 baud for connection stability. Page 3 of 156

8 Introduction to ICVERIFY For Windows Setup Guide Getting Help The following is a list of the available Help features provided to assist you: provides a forum for getting your questions answered and accessing archived help information. Context-sensitive Help allows you to point to an area of the interface that you would like more information about. To use this Help, click the question mark in the interface and then click the area of the interface in question. GUI Help allows you to access a directory and index of helpful information. To use this Help, press F1 while you re using the ICVERIFY GUI. Setup Help allows you to access a directory and index of helpful setup information. To use this Help, press F1 while you re using Advanced Setup. NOTE: You can also call (800) for Customer Service assistance, or send to the following address: [email protected] Page 4 of 156

9 Before You Begin Chapter 2 Before You Begin Overview This chapter provides background on payment processors and the ICVERIFY application. Here, we outline the tasks you must perform before you can install ICVERIFY. About ICVERIFY for Windows ICVERIFY is a leading electronic transaction processing software package, providing credit card authorization/draft capture, check, and debit/atm card authorization functions. ICVERIFY operates on open-platform, Point-Of- Sale/business systems worldwide. In addition to transaction processing, ICVERIFY provides transaction storage, tracking and retrieval, and reporting and integration capabilities.!!! ICVERIFY is not intended for use solely in the Internet (e-commerce) merchant environment. You can configure the application to support e- commerce transactions, but it was not originally designed for the e-commerce arena. If you plan to submit a large number of e-commerce transactions, consider the ICVERIFY Enterprise Edition application instead. Contact (800) for more information. ICVERIFY can be configured for single-user, multi-user, and/or multi-merchant operation (additional licensing may be required). This version supports Microsoft Windows 2000, Windows XP Home and Professional, Windows 2003 Server and Windows Vista.!!! ICVERIFY, Inc. no longer tests or supports this product on Windows 95, 98, ME and NT 4.0. These are older operating systems whose support has been deprecated at Microsoft Corporation, and as a result, we cannot guarantee that the ICVERIFY product s features will work on these operating systems. We recommend upgrading to a supported Microsoft operating system if possible. If you choose to operate the software in an unsupported environment, you do so at your own risk. Page 5 of 156

10 Before You Begin Features Overview ICVERIFY places many powerful features at your fingertips, enabling you to do the following: Process VISA, MasterCard, American Express, Discover, Diners/Discover, JCB/Discover, and private label credit cards Process ATM, debit, and check transactions Process stored value / gift card transactions Integrate with existing merchant software systems Produce comprehensive transaction reports that can be printed or viewed on screen Perform high-speed transaction processing via your broadband Internet connection to virtually any processing platform Import and/or export data into other applications such as order entry programs, point of-sale systems, databases, Internet shopping carts, and spreadsheets Store up to nine years of transaction information for financial tracking, reconciliation, and marketing demographics Use magnetic stripe readers, MICR readers, contactless card readers, EMV chip card readers and DUKPT PIN pads to maximize payment acceptance and customer convenience Manage access to specific application features on a user and group level via the ICVERIFY User Manager Support EMV Smart Card Transaction Processing in ICVERIFY for VISA and MASTERCARD in First Data - South and First Data - PROSA platforms Securing Access to the ICVERIFY Product It is extremely important to bear in mind that the ICVERIFY software gives you tremendous power and flexibility in using sensitive payment information. Therefore, we strongly recommend that you secure access to the application by installing and configuring the ICVERIFY User Manager. The ICVERIFY User Manager lets you protect virtually all functions available in the ICVERIFY for Windows application. You should seriously consider protecting at least the features that provide access to payment data (for example: the Credit function, the Export function, the Customer Database, and Reporting), limit access to only those users with a legitimate need to use the application, and identify who is using the software at any given time. Please read the ICVERIFY User Manager Guide for detailed instructions on how to install and configure the ICVERIFY User Manager. NOTE: You may have an obligation to your merchant bank to perform a security audit on your entire payment acceptance environment, demonstrating that you have appropriate controls in place to limit access to customer information. Read the Secure Software Guide located on your installation CD- ROM for additional details. Page 6 of 156

11 Before You Begin Tips for New Users If you have never processed payment transactions before, or if you are a firsttime user of the ICVERIFY software, this section provides you with some useful information to help get you up and running as quickly as possible. Logging Into ICVERIFY for Windows One of the features of ICVERIFY version 4.0 is the user management and security system. This subsystem helps ensure that only authorized users are accessing and operating your payment software. This is a critical application component that will help you meet the Payment Card Industry (PCI) compliance guidelines relating to application security. You should be sure your system administrator has installed the ICVERIFY User Manager and configured at least one ICVERIFY application account before continuing. When you launch the ICVERIFY Graphical User Interface (GUI) or the ICVERIFY Setup Application, you will see a login screen similar to the one shown in Figure 1. Enter the user account information you have been assigned to enter the GUI application, then click OK. Figure 1 Page 7 of 156

12 Before You Begin Your First Login Your software comes pre-installed with a system administrator account. Assuming you choose all the default installation settings, your first login to the software will be using the following account information: User name: sysadmin Password: administrator1 You will be prompted to change your password after your first login. DO NOT LOSE OR FORGET YOUR NEW PASSWORD! ICVERIFY, Inc. cannot tell you what it is and you will be unable to operate your software without it. NOTE: You should use the ICVERIFY User Manager to add other user accounts and set privilege levels for everyone else who plans to use the software. Do not share your account information among several people.!!! As a result of recent changes in the credit card industry, and the introduction of the Payment Application Data Security Standards (PA-DSS) program, you must install the ICVERIFY User Manager and configure the appropriate user accounts before you may use the ICVERIFY for Windows Graphical User Interface (GUI) application. You may not bypass the user security system. Please refer to Chapter 3 of this document and the ICVERIFY User Manager Guide for information on the installation, operation and relationship of the ICVERIFY User Manager to ICVERIFY for Windows. Enabling Training Mode The Training Mode feature allows you to run the ICVERIFY software in a test setting. Transaction processing is simulated so you can learn how the product works. You can also use Training Mode to perform basic testing of your transaction processing system if you have implemented ICVERIFY as part of an integrated system. Training Mode Procedure Follow the steps in the table below to set ICVERIFY to Training Mode. Step Action 1. Log into the ICVERIFY application. 2. Select Options from the Edit menu. The Options dialog will display. 3. Click Training Mode, and then click OK. Training Mode is enabled. You can tell you are in training mode because the ICVERIFY interface turns red. Page 8 of 156

13 Before You Begin Using Training Mode When running in Training Mode, ICVERIFY mimics a response from a Processing Network without actually submitting transactions to a processing platform. All transactions authorized or settled while in Training Mode are stored separately from live transactions. While in Training Mode, the software approves transactions with an even cent amount (for example, 2.44). Transaction amounts ending with an odd cent amount (for example, 5.99) are rejected unless they end with 5 cents (for example, 5.95). Test Credit Card Information Test credit card information is embedded in the ICVERIFY software. This information consists of nine sets of credit card numbers, expiration dates, and customer names. This test information can be used during training mode. Press CTRL+ALT+X to fill the appropriate fields with test credit card information.!!! Test credit card information should be used only while in Training Mode. Page 9 of 156

14 Before You Begin The ICVERIFY Interface Figure 2 The following shows the ICVERIFY main Graphical User Interface (GUI) screen. An explanation of the numbered areas follows the screen image. Figure Key Interface Areas The table below describes the numbered areas in the preceding screen shot. NOTE: Depending on your merchant account configuration and your user account privileges, you may not see all the items shown in Figure 2. Number Description 1. Toolbar contains shortcut buttons to the payment transaction forms and other commonly used functions 2. Menu bar contains menus for all functions 3. Transaction tabs allow fast access to each transaction type. 4. Mode bar indicates the type of operational mode that you re using. Page 10 of 156

15 Before You Begin 5. Payment method shows whether you re paying by credit card, debit card, or check. 6. Transaction list box displays a list of transactions that are stored in the current batch. You can sort this information by clicking a column heading. 7. Status box displays the status of the transaction that is currently being processed. NOTE: The terminology used for transactions may vary based on your processing network. Transaction Processing Networks Merchants are set up by their financial institutions to process transactions via a processing network. The ICVERIFY software uses your computer s modem or Internet connection to contact this processing network directly. The Processor acts as an intermediary between you (the merchant) and the credit card company. It checks the customer s account to determine whether the requested funds are available, approves the transaction if appropriate, and routes the funds to your account after you have submitted the transaction for settlement. In addition to processing credit cards, many Processing Networks also handle debit card and check transactions. NOTE: Each Processing Network will have slightly different rules on how to handle your transactions. Some may require you to submit your transactions for settlement at a certain time each day; others may deposit funds in your account on different timeframes, depending on the type of transaction; still others will have different tolerance levels for losses due to chargebacks or fraud. Be sure you understand the expectations your acquiring bank and processing network place on you. An informed merchant is the best kind of merchant to be. Processor Terminology Different Processing Networks use different terms for similar functions. In other words, a function may have a different name depending on the Processing Network used. The ICVERIFY interface uses the terminology native to your Processing Networks, but this guide must occasionally present information using a mixture of these terms. For example, the command Settle/Close Batch might be known as Settle, Settle Batch, Close, or Close Batch, depending on the Processing Network you re using. All of the common terminology for a particular function is included in this guide so that you can easily reference your Processor. Page 11 of 156

16 Before You Begin Credit Card Basics Credit card processing always involves at least two steps (the second step may or may not be apparent to you). The first step is generally referred to as authorization. When a credit card transaction for a sale is processed, ICVERIFY connects with the credit card Processing Network and submits the transaction request. The Processing Network takes the request and matches it with a database maintained by the bank that issued the credit card. If there is enough credit available, the transaction will be approved and the necessary funds will be held in reserve. This reduces the card s available credit by the transaction amount. No money changes hands at this point. Approved transactions are stored by ICVERIFY in an open batch. The next step is settlement (or close batch). You must perform a settlement before the funds from approved transactions will be deposited in your bank account. The authorization process is uniform, but the settlement procedure is not. For settlement, Processors can be divided into two main categories: terminal-based and host-based. The next section will discuss the types of processors in more detail. Page 12 of 156

17 Before You Begin Types of Processors As mentioned earlier, payment processors fall into two main categories: Terminal-based and Host-based. Terminal- Based Processing Terminal-Based Processors require you to connect to the network and submit the open batch (which contains all of the transactions that were previously approved) for settlement before funds from approved transactions are deposited into your account. With one connection from the modem, ICVERIFY submits the open batch for settlement, gets an approval for the batch, logs off, and transfers the settled transactions from the open batch to the History files. The money (minus discount fees) is then transferred to your account. Settlement can be performed at any time with Terminal-Based Processing Networks. Host-Based Processing Host-based Processors maintain the open batch for you. As ICVERIFY is authorizing transactions, the host-based Processor keeps track of the unsettled transactions you have received approval on. Some host-based Processors will auto-settle your batch. This means that at a specified time each day, the Processor will automatically close out the batch and settle the transactions. ICVERIFY can be set to use the computer s internal clock to automatically transfer the open batch into the History file without contacting the Processor. Some Host-Based Processors do require a settlement to be performed; however, only batch totals are sent unless an out-of-balance condition is encountered. For more information about your processing type, contact your Processor. Settling Funds / End-of-Day Your settlement procedure will depend on whether you perform terminalbased or host-based processing. If you are unsure how to perform your endof-day process, contact your merchant representative or ICVERIFY, Inc. Be sure you have a clear understanding of your end-of-day process so you do not fail to receive funds for your payment transactions! To settle an open batch, choose Settlement / End of Day from the Function menu. Page 13 of 156

18 Before You Begin Merchant Account Setup As stated earlier, you cannot use the ICVERIFY application until you have set up a merchant account with your financial institution, and received the information you need to configure your account profile in the software. Gathering Setup Information You re set up by your financial institution to process transactions through a Processing Network. The Processing Network is almost always a completely separate entity from the financial institution where your merchant account is established. There are many Processing Networks in the United States, most of which process credit cards (some handle only debit or check processing or some combination of credit cards, debit cards, and check). The Processor acts as an intermediary between you and your financial institution it checks the cardholder s account and then (if the funds are available) approves the transaction and routes the funds to your account when the approved transaction is settled. Although they all work similarly, each Processing Network has variations in the procedures that it uses to recognize merchants and process transactions. To set up ICVERIFY correctly, you ll need to gather Setup information for the Processor you intend to use. ICVERIFY can be configured for multiple Processors if necessary. If you already know which Processing Network you re using, check the appropriate section in Setup Data to determine if you have all the information necessary to set up ICVERIFY. On the other hand, if you re not yet sure which Processing Network you ll be using, contact the financial institution that provided your merchant account. They will be able to help you determine which Processor(s) you ll be using, and help you obtain the information you need to set up your software. Page 14 of 156

19 Before You Begin Gathering Setup Information When obtaining the data required for communication with your processing networks, keep the following points in mind: Determine which credit cards you intend to accept. Clearly communicate your needs to the financial institution setting up your account with the Processing Network(s). If you intend to accept American Express cards, find out if you ll be processing them through your primary credit card processing network. Your software allows you to process multiple payment types, including debit/atm cards, checks, private label cards and gift cards. You may find yourself in multiple processing relationships, where each provider supports one payment type. You can easily configure multiple processors in your software; however, you must have account setup information for each processor you wish to configure. NOTE: If you do not have all of the information listed in Setup Data contact your merchant Help Desk to acquire the missing information. The ICVERIFY Help Desk has no direct access to this data and is unable to provide any merchant-specific Processor setup information. In addition, although we attempt to pre-fill many processor settings with default information, you should always confirm your entire configuration with your processor before attempting to process live transactions. Page 15 of 156

20 Installing and Setting Up ICVERIFY for Windows Chapter 3 Installing and Setting Up ICVERIFY for Windows Overview Now that you understand a little bit about the payment processing world and have an expectation of what your software will do, it is time to install and configure your ICVERIFY software. This chapter explains how to do just that. When running the ICVERIFY installation program, you will encounter the following subsections: Installing guides you in the installation of ICVERIFY on your computer and, for GUI users, linking it to the ICVERIFY User Manager. Upgrading allows you to upgrade to the latest Windows version of ICVERIFY. (You will need this component only if you already have a version of ICVERIFY on your computer.) Setting Up helps you to configure ICVERIFY to process transactions to your processing network. Installation Options Figure 3 following shows the initial installation splash screen when you launch the ICVERIFY installation CD. Take a moment to review the screen shot. The first three options are the ones we ll concentrate on for now: Install All Applications This selection runs both the ICVERIFY for Windows and ICVERIFY User Manager installation processes. Use this option if you want to install the ICVERIFY application, the ICVERIFY User Manager, and the user database on the same computer. This is commonly used if you will run the product on a single PC, or if you are installing a master station (discussed later in the setup guide.) Install ICVERIFY for Windows Only This selection only runs the ICVERIFY for Windows installation process. If you want to run the user database on a separate computer, use this option. This is commonly used if you are installing a substation (discussed later in the setup guide,) or if you ran the User Manager setup process separately. Install ICVERIFY User Manager Only This selection only runs the User Manager installation process. Use this option if you only wish to install the user database, or if you ran the ICVERIFY setup process separately. Page 16 of 156

21 Installing and Setting Up ICVERIFY for Windows Figure 3 ICVERIFY for Windows Installation Splash Screen Installing ICVERIFY for Windows When you first start the installer, you will see the warning screen shown in Figure 4 following. It is generally good practice to close as many other applications as possible when installing new software. Click Yes to continue the installation process, or No to exit. Figure 4 ICVERIFY for Windows Installation Warning Page 17 of 156

22 Installing and Setting Up ICVERIFY for Windows ICVERIFY for Windows Installation Procedure After you click Yes on the installation warning shown in Figure 4, you will arrive at a welcome screen. Now, follow the steps in the table below to install ICVERIFY for Windows. Step Action 1. From the setup Welcome screen, click Next. 2. Read the End-User License Agreement displayed in the next screen. If you agree to the terms of use, click Yes to proceed with the installation. If you do not agree, you are not authorized to install and use ICVERIFY for Windows. NOTE: A copy of the End-User License Agreement, formatted for printing, can be found on the installation CD-ROM. 3. Next you ll be asked where you want to install the ICVERIFY application. The default folder is C:\ICVERIFY\ICWin404. Change this if you wish by clicking the Browse button and selecting a different installation folder. When you are ready to proceed, click Next. 4. Now you will arrive at a screen where you are asked to specify the directory where you wish the installer to store files it finds in the installation directory. The default folder is C:\ICVERIFY\ICWin404\Backup. Change this if you wish by using the Browse button as you did in Step 3. When you are ready to proceed, click Next. Page 18 of 156

23 Installing and Setting Up ICVERIFY for Windows Step Action 5. Next you ll be asked to specify where the database containing the user account information for the ICVERIFY GUI will reside. This is the database used by the ICVERIFY User Manager to store users, passwords, access privileges and so on. It is a critical part of the ICVERIFY for Windows payment product and you will not be able to operate the GUI without it. You can specify the location of the User Manager database through the options in Figure 5. Figure 5 ICVERIFY User Manager Access Screen Step Action 6. Select one of the following options: User database runs on this computer Use this selection if you have already installed, or intend to install, the Microsoft SQL 2005 Express Edition component of the ICVERIFY User Manager on the same computer as you are installing ICVERIFY for Windows. This setting is Page 19 of 156

24 Installing and Setting Up ICVERIFY for Windows Step Action appropriate for the following scenarios: Single-merchant, single-computer installations When you are installing on a computer designed to be a master station to a networked group of other computers I will specify the database s location Use this selection if the user database will reside on another computer, so that the locally installed copy of ICVERIFY software knows where to forward user login requests. This setting is appropriate for the following scenarios: When you are installing on a computer intended to be a substation within a networked group of computers If you want to manage all users from a central administration server, even if your ICVERIFY products are not networked together If you want the User Manager database to reside on a separate computer from the User Manager application (for example, a dedicated database server within a segregated data center) When you have selected the best option for your installation, click Next. 7. If you selected the default server information in the previous step, skip to step 9. Otherwise, you will encounter a screen asking you to enter the location and login information for the User Manager database, as shown in Figure 6. Page 20 of 156

25 Installing and Setting Up ICVERIFY for Windows Figure 6 ICVERIFY User Manager Database Information Step Action 8. In this screen, you need to supply the server machine name and database login account used by the ICVERIFY User Manager subsystem. The ICVERIFY for Windows software uses this subsystem to transmit and receive login-related information. You ll note that the pre-filled information will reflect the machine name of the local computer, and a system-administrator ( sa ) database account. Change these values to the same values you used (or will use) during the ICVERIFY User Manager installation process. Then click Next to continue.!!! Your software will not work if this information is not exactly the same as the database information you use when installing the ICVERIFY User Manager. If you are responsible for installing both applications, we urge you to familiarize yourself with the User Manager installation process. Page 21 of 156

26 Installing and Setting Up ICVERIFY for Windows Step Action 9. Now the Start Copying Files dialog will appear. If all the settings are correct, click Next. The Setup status will display and begin copying files. 10. When the installer has finished copying files, it will check to see if a prior copy of ICVERIFY for Windows resides on any of your computer s local hard drives. If it finds a previously installed copy, you will see the message box shown in Figure 7. If you do not see this message, skip to Step 17. Figure 7 ICVERIFY Upgrade Auto-Detect Message Step Action 11. Click Yes in the screen shown in Figure 7 if you wish to move your historical transaction data and merchant setup files from a prior installed copy of ICVERIFY for Windows. If you want to skip this process, click No and proceed to Step 17. By clicking Yes, you will enter the ICVERIFY Upgrade Wizard. 12. Click Next on the Upgrade Wizard welcome screen. You will arrive at a screen where you need to select how you want the wizard to search for all installed copies of ICVERIFY software. This is valuable in case you have more than one installed copy and wish to upgrade a specific installation. This selection screen in shown in Figure 8. Figure 8 ICVERIFY Upgrade Wizard Installation Search Options Page 22 of 156

27 Installing and Setting Up ICVERIFY for Windows Step Action 13. Select how you want the Upgrade Wizard to search for your previous copies of ICVERIFY software. Either it can search automatically, or you can specify the directory. In any case, when you have finished searching, you will be presented with a warning screen asking you to confirm that you wish to continue. This warning screen is shown in Figure 9. Page 23 of 156

28 Installing and Setting Up ICVERIFY for Windows Figure 9 ICVERIFY Upgrade Wizard Warning Screen Step Action 14. If you are sure you wish to continue, click Next. However, if you intend to operate this installed copy of software as a substation, do not continue with the Upgrade Wizard; click Cancel in this case. Assuming you clicked Next, you will be presented with a final confirmation screen indicating where your old data will be migrated from. If you are satisfied with the upgrade parameters, click Finish to move your data. 15. When the upgrade process is complete, you will see an information box explaining that you will need to obtain a validation code before you can use your new software, and urging you to test your setup information in the new software to make sure you are satisfied everything is OK. 1. NOTE: All supported versions of ICVERIFY software require both new and upgrade installations to revalidate. The validation process will be discussed later. You will also be prompted to check your history data in the upgraded build and then delete the old data directories securely using the new PCVXSecureDelete tool before performing any authorizations. Page 24 of 156

29 Installing and Setting Up ICVERIFY for Windows Step Action 16. You will now arrive at a screen asking you to choose the program folder name you want to be available from the Start menu. Enter your preferred program folder name and click Next. 17. You re nearly done with installation. At this point, all files have been copied over and you will be prompted to restart your computer. You don t have to do it immediately, but you will not be able to finalize your installation without doing so. When it is convenient, close any and all other applications and restart your computer. The Default User Account As a convenience to you during your installation and configuration activities, ICVERIFY for Windows will automatically install an administrator account in the ICVERIFY User Manager database. This account uses the same default username and password as the ICVERIFY User Manager default administrator account, and is originally set to the following: User name: sysadmin Password: administrator1$!!! You can use this default account for your initial login and configuration activities. However, you will be required to change the password upon your first login as a security measure. DO NOT LOSE YOUR NEW PASSWORD! You will not be able to administer your ICVERIFY system without it and ICVERIFY, Inc. cannot tell you what it is. Page 25 of 156

30 Installing and Setting Up ICVERIFY for Windows After Restarting Your Computer When you restart your computer, you will enter the configuration phase of the ICVERIFY for Windows installation process. Your ICVERIFY software will not operate without merchant setup information indicating what processor should receive your transactions, your merchant category and ID, and other identifying data. This merchant information is stored in one or more setup files, depending on your processor network choices. If you intend to run multiple merchant accounts from your copy of software, each merchant account will be represented by its own profile information. There are three main ways to make your setup information available to the ICVERIFY application: You may have received a pre-configured profile as part of your product deployment; You may have upgraded a profile from a previous installed version of ICVERIFY software; or You may use the Setup Wizard to build your profile from scratch. Pre-Configured Setup Files Upgraded Setup Files Running the Setup Wizard Depending on where you acquired your copy of software, you may have received a configuration diskette or CD-ROM with a pre-configured merchant setup file (or group of files). If you have a configuration diskette or CD-ROM, simply click Yes when you encounter the screen asking you if you have configuration information ready. Otherwise, click No. If you used the ICVERIFY Upgrade Wizard to move transaction data from a prior installation of software to your new installation, your setup information should have moved along with it. You may recall that you were prompted to run the ICVERIFY application to ensure everything is properly configured. Consult the rest of this guide as well as the User Guide if you are not sure how to operate your new copy of software. If you have neither a pre-configured merchant profile nor an upgraded one, you will need to configure your merchant setup information manually. Page 26 of 156

31 Installing and Setting Up ICVERIFY for Windows The ICVERIFY Setup Wizard To build your configuration information from scratch, you will need to run the ICVERIFY Setup Wizard. You can either run this immediately after you finish installing your software, or at any point prior to actually using it. Please bear in mind that you must run the Setup Wizard before you can expect to operate your software. To run the Setup Wizard from the installation, simply click Yes when you are asked if you wish to run it. NOTE: Every time you launch the Setup Wizard, including during the installation process, you will be presented with a login screen. This is to restrict access to the application because it is a powerful tool that can make significant changes to your merchant information and if used incorrectly may cause you to incur additional processing charges or fail to process altogether. Using the Setup Wizard for the First Time Now that you have installed the ICVERIFY software, you should run the Setup Wizard to configure your merchant account. The following steps will help guide you through your first use of the wizard. Step Action 1. Either click Yes from the final installation message box asking if you want to run the Setup Wizard (if you followed the previous installation procedure), or simply select the ICVERIFY Setup entry in the ICVERIFY for Windows program group. Both actions will launch the Setup Wizard, and you will be presented with the login screen shown in Figure 10. Enter your user name and password, and then click OK. If you are running the wizard for the first time, you can use the default administrator password created when you installed the software. See the ICVERIFY User Manager Guide. Figure 10 ICVERIFY Setup Wizard Login Screen Page 27 of 156

32 Installing and Setting Up ICVERIFY for Windows Step Action 2. When you enter the Setup Wizard, the application checks to see if you already have a merchant setup file installed in the application directory. One of two things will take place based on the result of this check: If a merchant setup file exists, you will be forwarded directly into the ICVERIFY setup application shown in Figure 11. This bypasses the Setup Wizard, since that is designed for merchants who need to install and create their software configuration from scratch. On the other hand, if a merchant setup file cannot be found, you will arrive at a welcome screen at the start of the Setup Wizard, shown in Figure 12. NOTE: If you leave the setup wizard by mistake, or want to switch from the application to the wizard interface, simply click File Setup Wizard, or press CTRL-W. Page 28 of 156

33 Installing and Setting Up ICVERIFY for Windows Figure 11 ICVERIFY Setup Application Merchant Information Tab Page 29 of 156

34 Installing and Setting Up ICVERIFY for Windows Figure 12 ICVERIFY Setup Wizard Welcome Screen Step Action 3. To start the Setup Wizard, click Next from the screen shown in Figure 12. You will now arrive at the Processor Selection dialog, where you can choose the Processing Networks you will use to perform your payment processing. See Figure 13 for a screen shot of this dialog, and Table 2 for a description of key fields. 4. Choose the processor(s) you are using, and click Next. 5. The screens that follow will depend on the processor selections you entered in Step 4. Generally, the screens should follow the merchant setup information you received from your processor. For a description of some of the fields displayed in the remainder of the setup process, see Table 2. Page 30 of 156

35 Installing and Setting Up ICVERIFY for Windows Figure 13 Processor Selection Screen Special Notes for First Data Omaha Merchants If you are processing transactions on First Data Corporation s Omaha platform, and wish to use the Credit and Debit Close Batch features available on this platform, you must set up the ICVERIFY software to use the FDR Type B option. The FDR Type B option can be selected using the check box in the Processor Selection dialog shown in Figure 13. You can also activate it by selecting Y versus N in the Debit Cards tab from the ICVERIFY Setup Application. The Type B option will be enabled only when you select FDMS FDR type 7 as your Debit Cards connection from the Processor Selection dialog. Debit Processor FDMS FDR Type 7 If this option is checked from the Processor Selection Screen or entered as Y in the Debit Cards tab and if the Debit Processor type is FDMS Omaha FDR Type 7, your Debit card transactions will be settled along with your Credit transactions. Page 31 of 156

36 Installing and Setting Up ICVERIFY for Windows Changing Processor Settings Changing any information in the Processor Selection Screen will cause a warning message (Figure 14) to appear. This is because this information is critically important for your payment transactions to process smoothly. If you click OK, the values will be changed. If you do not want the values to change after all, click Cancel.!!! Do not make changes to your merchant configuration if you have any open batches. You may be unable to settle your outstanding transactions and receive funds if you do. Figure 14 This warning message will display to help you ensure that these values are not changed while any settlement batches are still open. Configuring Your Printer(s) ICVERIFY for Windows allows you to configure separate printers for generating receipts and reports. This is helpful if you wish to use a tape-style receipt printer for 23-column or 40-column receipts, yet want your reports to print on full-size paper. If you haven t yet configured a printer to use with the ICVERIFY software, click on the Printing Options tab in the ICVERIFY Setup Application (Figure 11) to access the printing options menu, as shown in Figure 15. You can change your receipt and report printer by clicking on Printer Setup in the File menu of the ICVERIFY Setup Application. If your user account has the privileges to do so, you can also reach Printer Setup from the File menu in the ICVERIFY GUI. Page 32 of 156

37 Installing and Setting Up ICVERIFY for Windows Figure 15 Printing Options Menu Printer Selections Use the Receipt Printer and Report Printer selections to choose the physical devices you wish to use to print your receipts and reports. You can print to virtually any printing device recognized by Microsoft Windows, including network printers. For more information on how to configure the printing options available to you, refer to Appendix C. Page 33 of 156

38 Installing and Setting Up ICVERIFY for Windows Private Label and Non- Bankcard Processing Click the Private Label Cards check box in the Processor Selection dialog to enable private label card and non-bankcard support through the ICVERIFY application. Support for Private Label / Non-Bankcard transactions in ICVERIFY comes in two flavors: Full-Service support through dedicated private label processor interfaces, available through the Private Label customized tabs in the application user interface. Version supports full-service connections to GE RSF (Monogram), Citi Credit Services and First Data Resources (Omaha). Simple support through the Credit tab to your main credit card processor. Through this level of support, you enter non-bankcard / private label transactions from the same screens where you enter credit card transactions, just as if they were standard credit cards. Private Label Setup When you enable private label card processing, you will first need to select up to five private label processor connections that you want ICVERIFY to recognize. Select the appropriate connections from the drop-down menus for authorization and settlement. Remember that if you select a Simple private label processor, you ll need to perform private label / non-bankcard transactions for that processor from the Credit tabs, not the Private Label tabs. Each private label interface can support up to 5 separate BIN ranges. If you need to specify more than 5 ranges, you can configure the same network more than once and specify different ranges for each instance. NOTE: If you select your credit processor as one of your private label service providers, be certain your processor will accept private label / non-bankcard transactions in the same way they accept credit card transactions. If you used this feature in a prior version of ICVERIFY for Windows, you should be OK. However, if you are setting this feature up for the first time, check with your credit processor or ICVERIFY, Inc. Once you ve selected your private label / non-bankcard service providers, you ll need to assign a card type name for each of the private label programs in which you participate. You must input a unique card name for each private label program you want to process through the ICVERIFY application. Enter the name in the Card Type field that you ll see in the Private Label setup screen (similar to Figure 16 following), then click Next. Page 34 of 156

39 Installing and Setting Up ICVERIFY for Windows Figure 16 Card Type Screen Private Label Setup Private Label Card Configuration Now you ll need to configure the appropriate card ranges for the private label program, so your ICVERIFY software will know what type of card you are using to process your transactions. Figure 17 on the following page shows you what the card range screen looks like for the GE / RSF private label interface. Page 35 of 156

40 Installing and Setting Up ICVERIFY for Windows Figure 17 Card Range Configuration Screen Private Label Setup The Card # Range Low and High fields determine the range of card numbers which ICVERIFY will attempt to process as Private Label transactions. Use the leftmost digits in the card number to specify the range. You can use as few as 4 or as many as 10 digits to represent the card range. For example, a Low entry of and a High entry of means that any cards falling within that range will be processed under this particular private label program. The Card Minimum and Maximum Length fields determine the length of the credit card numbers that ICVERIFY will accept for Private Label cards. If you are running more than one private label program, or your program shares card ranges with other card types, you can click the Configure button to make more specific selections regarding the card range. If you do, you will see the screen in Figure 18 on the following page. Follow the same rules in the paragraph above to configure the appropriate card ranges, and click OK when you are finished. You ll also notice that a field called Application Processing appears on the screen. This is a specific feature for GE / RSF that allows you to perform instant credit applications using ICVERIFY. If you set this field to Y, you must be sure to enter a telephone number in the GE Application Processing Phone Numbers screen, shown in Figure 19 following. Otherwise, ICVERIFY will not be able to reach the application processing host. Page 36 of 156

41 Installing and Setting Up ICVERIFY for Windows Figure 18 Card Range Configuration Screen Private Label Setup Figure 19 Page 37 of 156

42 Installing and Setting Up ICVERIFY for Windows Setup Fields Table 2 Depending on the processor connections you choose, you will be presented with various fields and parameters you will need to configure. Table 2 discusses the different fields that may be presented during setup. Setup Fields Field / Checkbox Amex Split Mode Description Specifies that you wish to submit American Express card transactions directly to American Express. If you do not want your American Express transactions to be combined with your bankcard transactions, you should select this option. If one processing network will be handling ALL of your transactions, leave this checkbox empty. Private Label Cards Node Phone Number Alternate Phone # Settlement Phone # Alternate Settle Phone # Voice Auth Phone # Specifies that you will be accepting any private label cards. If a processor other than the credit card processor already selected will handle these cards, you will also need to have setup information for that processing network. Specifies the phone number ICVERIFY uses when attempting to authorize a transaction through your processing network. Specifies the phone number to use if ICVERIFY is unable to establish a connection with the node phone number. Specifies the phone number ICVERIFY uses when performing a settlement/end day procedure. Specifies the alternate number to use if ICVERIFY is unable to establish a connection using the settlement phone number. Specifies the phone number of your processor s voice authorization. It will be displayed onscreen for the operator when a transaction is declined. This number can be used to call the processor for a voice authorization if the processor declines a transaction submitted by ICVERIFY. This number is useful, but it is not necessary to enter it to complete setup. Page 38 of 156

43 Installing and Setting Up ICVERIFY for Windows Field / Checkbox Help Desk Phone # Type of Business Description Specifies the phone number of your processor s Help desk. This number is displayed onscreen for the operator when a transaction is declined. This number is useful, but not necessary to complete setup. Controls the market format that ICVERIFY uses when processing transactions. For most merchants, this menu should be set to Retail or Mail Order. NOTE: Each format supports specific transaction types, such as Book and Ship for the Mail Order format. The format selected affects how ICVERIFY submits the transaction information to the processing network. Because of this, it is important to set the Type of Business menu to the format that your processor is expecting. If this is not done, your ability to process transactions will be affected. NOTE: If an incorrect market format is selected, ICVERIFY will fail to load, returning an Invalid processor/type of business message. Business Description Modem Port Modem Init String Provides a short description of your business. NOTE: This field is required if your processor is American Express. It is optional for all other processors. Defines the communications port used by your modem (for example, if you are using a COM1 communications port, type 1). Identifies the modem string ICVERIFY uses when it initializes your modem. You can use the menu to select your modem from the list, or click Auto Detect to have ICVERIFY determine the modem string. Selecting the modem from the menu causes the software to automatically enter a dial string into this field. Clicking Auto Detect causes the software to attempt to determine a dial string that the modem will recognize. Wait for Connect Seconds Determines how long the modem will wait, in seconds, for a connection before redialing. The default value for this field is 30, which means Page 39 of 156

44 Installing and Setting Up ICVERIFY for Windows Field / Checkbox Description that ICVERIFY will wait 30 seconds for a connection before terminating the attempt. NOTE: In nearly every case, 30 seconds should be more than enough time to establish a connection. If you set up the software and experience constant redialing without establishing a connection, check the authorization and settlement phone numbers that have been entered into setup. If these appear to be correct, the modem initialization string may need to be altered. Outside Line Prefix Specifies any numbers you need to get an outside line. For example, if a phone system requires you to enter a 9 to make an outside call, type that number in this field. ICVERIFY will then add that number to the end of the dial string so that the modem is able to access an outside line. NOTE: You can use a comma to provide a pause in the dialing process if the modem is reacting too quickly for the phone system. For example, if it is necessary to dial 805 and then 9 to get an outside line, use the following: 805,9. This creates a short pause in the dialing between the 805 and the 9, giving the phone system time to react appropriately. Terminal ID Contains all of the information entered into processor setup. Each processor has its own set of data elements that combine to make up the terminal ID.!!! Do not make any changes to this field unless specifically instructed to do so by a technician. Number of Users Specifies the number of terminals licensed for this copy of ICVERIFY software. The default value is 001, which indicates a single-user license. If you have a multi-user license, enter the number of users you have licensed. A basic multi-user license allows four users (the software can accommodate up to 999 users if the appropriate licensing has been purchased). In addition to the processor setup information, this field is used when generating the validation code. Page 40 of 156

45 Installing and Setting Up ICVERIFY for Windows Field / Checkbox Serial Number Validation Code Description Specifies the ICVERIFY serial number found on your disks and packaging. The serial number is one of the items used when generating the validation code. Specifies an eight-character alphanumeric code derived from your processor setup data. By clicking Register Software, you are presented with the following options: Register online Call the vendor and obtain a validation code over the phone Save the information that was entered without entering a validation code If this last option is used, ICVERIFY will not load until the correct validation code has been entered. For more information about the different options that can be used to obtain a validation code, see Obtaining a Validation Code. If you are having trouble getting the validation code accepted, go back and check your processor setup information, since your validation code is generated from this data. If any processor setup information is entered incorrectly the code will not be accepted. Page 41 of 156

46 Installing and Setting Up ICVERIFY for Windows Using Advanced Setup Advanced Setup is another term for the setup application shown earlier in Figure 11. To launch the setup application in Advanced Setup mode, simply select the ICVERIFY Setup entry in the ICVERIFY for Windows program group. Remember that you can switch to the Setup Wizard mode at any type by typing CTRL-W. Merchant Information Figure 20 shows the main merchant information tab in the Advanced Setup application. You ll note there are several parameters that control how the ICVERIFY software will behave when you process transactions. Page 42 of 156

47 Installing and Setting Up ICVERIFY for Windows Figure 20 The Merchant Information Tab Page 43 of 156

48 Installing and Setting Up ICVERIFY for Windows Serial Numbers To save your merchant setup information and validate your software, you must enter a valid product serial number. This is a nine-character code which is used by the ICVERIFY software to verify that you are a legitimate user.!!! Because some credit card processors now require software vendors to track which of their customers are on certain software products, ICVERIFY version 4.0 will not accept serial numbers used in earlier versions of software (for example, serial numbers beginning with an IC, WS or WM.) In order to configure and validate your software, you must use a serial number specifically designed for ICVERIFY 4.0. You can find your serial number in one of two places: New or upgrade users should look on the ICVERIFY for Windows 4.0 product packaging for the serial number. Purchasers of additional merchant licenses or developer s licenses will receive their serial numbers directly from ICVERIFY, Inc. Obtaining a Validation Code ICVERIFY will not run without a validation code. To obtain a validation code you need the following information: Your ICVERIFY serial number located on your install disks Your company name, address, and phone number A complete list of Setup information for the Processing Network (or networks) that you are using The number of users licensed to use ICVERIFY NOTE: A list of the Setup information you need is located in Setup Data. If you are split dialing (using different processing networks for certain types of credit cards) you will need to gather additional information for the split dial processors. Setting up for debit cards or check also requires Setup information. To obtain a validation code, follow the steps in the table below. Step Action 1. Select Register Software from the File menu from the Advanced Setup interface. 2. Select one of the options defined in Table 3. Page 44 of 156

49 Installing and Setting Up ICVERIFY for Windows Table 3 Registration Options Option I wish to register online Description Registers ICVERIFY online, using a modem or an Internet connection. When registering via the Internet, make sure you are currently connected to your Internet access provider. I will register by calling my product supplier I will register later Contacts the vendor directly using one of the phone numbers displayed in the setup program to obtain your validation code. Then manually enter the validation code into the setup program. Saves all the processor setup information that has been entered. ICVERIFY will not run until a validation code has been entered. Validation Options If you obtain a validation code by calling the vendor directly, load the Advanced Setup program. Select Setup Wizard from the File menu. Click Next until the Validation Code screen is displayed, and enter the validation code. To register online at a later time, load the Advanced Setup program and select Register from the File menu. NOTE: If you encounter any problems obtaining a validation code, call the ICVERIFY, Inc. Help Desk for assistance. Page 45 of 156

50 Installing and Setting Up ICVERIFY for Windows Using the Upgrade Wizard You can use the Upgrade Wizard at any point to upgrade your current version of ICVERIFY for Windows. Upgrade Wizard Procedure Follow the steps in the table below to use the Upgrade Wizard to upgrade the current version of ICVERIFY. Step Action 1. Double-click upgrade.wiz in the folder where you installed ICVERIFY. Result: The ICVERIFY Upgrade Wizard dialog is displayed. 2. Click Next. 3. Click your preferred method of searching for previously installed ICVERIFY files, and click Next. The search methods are as follows: Search local drives only searches your local drive for installed files. Search local and network drives searches your local and network drives for installed files. Do not search. I ll specify the directory allows you to specify the directory where you previously installed files. 4. Select the version of ICVERIFY that you are upgrading, and click Next. 5. Click Finish to complete the upgrade.!!! The Upgrade Wizard will abort if all ICVERIFY files are not present. Page 46 of 156

51 Setting Up Internet Processor Access Chapter 4 Setting Up Internet Processor Access Overview You have purchased a version of ICVERIFY that includes the ability to transact with selected Processing Networks over the Internet, in a scalable and secure manner. This can be an extremely cost-effective method to process payment transactions of any type, because you do not have to pay additional fees for dial lines or dedicated circuits. NOTE: The capability to reach the processor over the Internet is not the same as performing e-commerce. E-Commerce refers to a situation where the cardholder and the merchant are separated by the Internet. Internet Service Providers and Internet Connections If you choose to use the Internet to process transactions, you should be aware that while it is an excellent, cost-effective transport option, that your ability to process transactions will be constrained by the quality of your Internet service and the type of physical device you use to connect to your Internet Service Provider (ISP.) Transaction processing is a critical function for your business, and while transactions are small, they are time-sensitive things. A delay in processing a payment can sometimes be the difference between a satisfied and dissatisfied customer. We therefore make the following recommendations: Choose an ISP with a proven track record of uptime and customer support. Do NOT perform transaction processing over a dial-up ISP connection. These are inherently less stable than broadband and you may experience extremely long transaction times beyond both ICVERIFY s and your ISP s control. Consider whether investing in a backup modem and dial line might be worthwhile. The ICVERIFY software can automatically fail over to a dial-up connection if your Internet service goes down. Page 47 of 156

52 Setting Up Internet Processor Access Setup for Merchants Processing Over the Internet Merchants processing with various Processing Networks have the option of sending transactions across the Internet. Your transactions will be passed through a secure Internet connection to the appropriate platform. Internet connections are generally supported through a sister application to ICVERIFY called JCard. If you intend to submit transactions to your processor over the Internet, be sure you have made the appropriate arrangements with your processor, and that your computer meets the criteria within the Minimum System Requirements section of this guide. The serial port option (modem) for transmitting transactions is still available. For selected processors, ICVERIFY can automatically fail over to the modem to process your transactions if your Internet connection suddenly goes down. This section describes the setup procedures for merchants who use JCard to transact with their Processing Network over the Internet. During the Setup Wizard, you ll be prompted to input the information necessary to transact with your processor s Internet server. Setting up ICVERIFY to process transactions over the Internet consists of two major parts: Configuring the JCard application to be able to listen and respond to transactions from ICVERIFY. Configuring the processor-specific settings JCard will require to interact with your processor s Internet server. NOTE: The Internet is an inherently insecure environment and you must take measures to protect your computer and network devices from it. Read the ICVERIFY Secure Software Guide located on your installation CD-ROM for additional information. Your merchant bank may require that you demonstrate your compliance with certain Internet security standards through a remote or on-site audit. Consult your merchant bank if you are unsure what your audit obligations are. Page 48 of 156

53 Setting Up Internet Processor Access ICVERIFY Setup Wizard: JCard Connection Information The Setup Wizard screen in Figure 21 is used to select the IP address, port and connection method that the JCard engine will use to interact with ICVERIFY. It s available only if the credit card processor selected supports Internet access. NOTE: Regardless of your specific processor, you must configure JCard if you want to transact with that processor over the Internet. Figure 21 Setup Wizard JCard Connection Primary Network Connection Use this drop-down box to specify whether you want your software to use your broadband Internet connection or your modem to connect to the processing network. Page 49 of 156

54 Setting Up Internet Processor Access Proxy Checkbox Indicator This indicator determines the use of a proxy server for the JCard engine. Check with your network engineering or information technology staff to determine whether you have a proxy server installed between the computer ICVERIFY will run on and the Internet. If you have a direct physical connection between the ICVERIFY computer and the Internet, for example a DSL or cable modem plugged directly into the ICVERIFY computer, you probably do not have a proxy server set up. Proxy Server Address / IP This is the URL or IP address of the proxy server used on your network. Proxy Server Port Port number used by the Proxy server. Authorization Timeout This is the number of seconds the ICVERIFY software should wait for an authorization response before timing out the Internet connection and attempting the same transaction over a dial-up modem (if you have a modem backup.) The value cannot be zero or blank. Settlement Timeout This is the number of seconds the ICVERIFY software should wait for a settlement response before timing out the Internet connection and attempting the same settlement over a dial-up modem (if you have a modem backup.) The value cannot be zero or blank.!!! Settlement operations usually involve many transactions, while authorization operations only involve one. Therefore, you should always keep your settlement timeout parameter at a higher value than your authorization timeout parameter. ICVERIFY, Inc. recommends operating under the default settings unless and until you have reason to change them. JCard Server Address / IP Enter the name or IP address of the machine on which the JCard engine will run. If you choose to install and run JCard on the same PC that you install and run ICVERIFY, you should input localhost or Page 50 of 156

55 Setting Up Internet Processor Access JCard Server Port Enter the port number at which JCard listens for transactions. The default port number is set to All interactions on this port will be encrypted; no information is sent in the clear. NOTE: This port is NOT required to be available to the outside world. It is only used within the ICVERIFY system environment so that the software product can interact with the JCard engine. You do not need to open this port through your external firewall. Page 51 of 156

56 Setting Up Internet Processor Access Internet Settings for Datawire Capable Processors ICVERIFY interacts with multiple processing platforms over the Internet by means of the Datawire secure transaction transport service. In Version Service Pack 2 and higher, Datawire is used for processing to the following platforms: First Data s North, South, Omaha, Atlanta, PROSA (Mexico) and Nashville platforms Global Payments East platform Your software can also automatically register and retrieve your processing credentials if your acquiring bank partner set your merchant profile up at Datawire on your behalf. If you are upgrading from a prior version of software where Datawire was not supported by your network (for example the Atlanta or East platforms), you can either preserve your original settings, or contact your acquiring bank representative to switch to Datawire for superior transaction performance and security. NOTE: You can skip this section if you are not using the Internet to interact with any of the platforms listed above. ICVERIFY Setup Wizard IPN Network Screen Figure 22A shows the information you must supply to configure your software to interact with the Datawire system. Your setup screen may look slightly different depending on which platform you are using. If you are configuring support for a processor where an Internet access option other than Datawire exists, you will see the screens displayed in Figure 22B (First Data Atlanta) or 22C (Global East). Page 52 of 156

57 Setting Up Internet Processor Access Figure 22A Internet Connection Information (Datawire) Figure 22B Internet Connection Information for First Data Atlanta Merchants Page 53 of 156

58 Setting Up Internet Processor Access Figure 22C Internet Connection Information for Global East Merchants Connection Type A drop down list box is provided to select the type of network used to connect to the host processor. The typical options available are High-Speed Internet and Dial-up Modem. If you are using a processor where Datawire is not the only option to access the platform, the list box will indicate which access method is active Datawire, the processor s proprietary option, or no active Internet support at all. Merchant ID Enter your Merchant ID here. This should match with the merchant ID available in the terminal ID tab screen. Terminal ID For some First Data platforms, you may be required to enter a Terminal ID. Enter the Terminal ID as you received it from your acquiring bank. This should match the Terminal ID visible in the terminal ID tab screen. Datawire ID Number This value identifies you to the Datawire network. Generally, it will be created for you as part of the automatic registration process in this version of ICVERIFY software. The field will be read-only if the registration process was successful. If the registration process failed for any reason, you can enter it manually. Page 54 of 156

59 Setting Up Internet Processor Access Primary URL Primary IPN resource address, provided by your acquiring bank. Generally, you can use the default value present in the software. Secondary URL Secondary IPN resource address, provided by your acquiring bank. Generally, you can use the default value present in the software. DCC Capable If you are using First Data s CARDnet platform, you can use this selection box to indicate whether you want to use First Data s Dynamic Currency Conversion (DCC) service. If you select Yes, be sure to read the section in this chapter about DCC settings. NOTE: Do not enable DCC unless you have signed a DCC processing agreement with your acquirer, and you are authorized to perform DCC transactions. Terminal ID If you are configuring support for First Data Gift Cards, you will also need to enter a Terminal ID. You should receive this value from your gift card account representative. IPN Connection Tab Figure 23 The IPN Tab within the ICVERIFY setup application (Figure 23) displays the information that was entered using the Setup Wizard. The URL information can be modified and saved using this screen. You ll note the information in this setup tab is identical to the information shown in Figure 22. Page 55 of 156

60 Setting Up Internet Processor Access IPN Connection Tab for Gift Cards and Checks If you have configured ICVERIFY to support transmitting First Data Gift Cards or First Data Telecheck transactions over the Internet, you may see a second IPN tab in the ICVERIFY Setup application. This is to allow regular card transactions to be submitted to a different platform while your Gift Card traffic will go to First Data s CARDnet platform. See Figure 24 for a sample screen shot. Figure 24 Page 56 of 156

61 Setting Up Internet Processor Access Internet Settings for Chase Paymentech The following screen shot (Figure 25) shows the information you must supply to configure your software to interact with Chase Paymentech s NetConnect / PNS system. NOTE: You can skip this section if you are not using Chase Paymentech. Figure 25 Primary Network Connection This is a drop-down box used to select the connection that JCard will use as the primary method to reach the Chase Paymentech UTF host. The options are High-Speed Internet or Dial-up Modem. PNS Primary / Secondary URL The addresses JCard will use to transmit transactions to the PNS network. Type in the URLs exactly as you received them from Chase Paymentech. Primary / Secondary Port The ports JCard will use to submit transactions to PNS. This is typically port 443, commonly used for Secure Sockets Layer (SSL) traffic. Generally, both the Primary and Secondary Ports are the same value, but if you received different ports from Chase Paymentech, be sure to enter the correct ports in the correct fields. Page 57 of 156

62 Setting Up Internet Processor Access User ID The User ID to identify yourself to the PNS network. Type in the User ID you received from Chase Paymentech. Password The password to authenticate yourself to the PNS network. Type in the password you received from Chase Paymentech. PNS Network Tab The PNS tab within the ICVERIFY setup application displays the information that was entered using the Setup Wizard. The information can be modified and saved using this screen. You ll note the information in this setup tab is identical to the information shown in Figure 25. Figure 26 Page 58 of 156

63 Setting Up Internet Processor Access Internet Settings for TSYS VirtualNet and Citi Credit Services The following screen shot (Figure 27) shows the information you must supply to configure your software to interact with TSYS Acquiring Solutions VirtualNet system. You can skip this section if you are not using TSYS. Private label card support for Citi Credit Services is available through the TSYS VirtualNet system. The information you need to supply for Citi is virtually identical to the information required for TSYS. NOTE: As of ICVERIFY version 4.0, the Internet support for TSYS has migrated from the WorldCom VirtualNet 1.0 gateway to the TNS VirtualNet 2.0 gateway. The new gateway uses TCP Sockets to communicate rather than HTTPS connections. You may need to open a separate TCP route through your firewall to accommodate TSYS traffic. Figure 27 Primary Network Connection This is a drop-down box used to select the connection your software will use as the primary method to reach the VirtualNet gateway. The options are High-Speed Internet or Dial-up Modem. VirtualNet Gateway The address your software will use to transmit transactions to the VirtualNet system. Type in the URL exactly as you received it from TSYS Acquiring Solutions. Page 59 of 156

64 Setting Up Internet Processor Access Port The ports your software will use to submit transactions to TSYS. This is typically port 5004, which is the default port used by the TNS gateway. Unlike the JCard Port parameter discussed earlier, this is an external port that must be opened through your firewall to allow ICVERIFY to interact with the VirtualNet gateway. VirtualNet Network Tab The VirtualNet Tab within the ICVERIFY setup application displays the information that was entered using the Setup Wizard. The information can be modified and saved using this screen. You ll note the information in these setup tabs is identical to the information shown in Figure 27. Note also that the settings for VirtualNet are identical for both TSYS and Citi Credit Services. Figure 28a Figure 28b Page 60 of 156

65 Setting Up Internet Processor Access Internet Settings for NOVA Information Systems Figure 29 The following screen shot (Figure 29) shows the information you must supply to configure the software to interact with NOVA s Internet gateway. NOTE: You can skip this section if you are not using NOVA. Primary Network Connection This is a drop-down box used to select the connection that the software will use as the primary method to reach the NOVA gateway. The options are High-Speed Internet or Dial-up Modem. Primary / Secondary Gateway URL These parameters represent the primary system that ICVERIFY will attempt to interact with at NOVA to send payment transactions. Type in the gateway addresses exactly as you received them from your NOVA representative. Page 61 of 156

66 Setting Up Internet Processor Access NOVA Transport Tab The NOVA Transport Tab within the ICVERIFY setup application displays the information that was entered using the Setup Wizard. The information can be modified and saved using this screen. You ll note the information in this setup tab is identical to the information shown in Figure 29. Figure 30 Page 62 of 156

67 Setting Up Internet Processor Access Internet Settings for First Data EFSnet The following screen shot (Figure 31) shows the information you must supply to configure the software to interact with First Data s EFSnet gateway in order to send transactions to the Atlanta / BUYPASS platform over the Internet. NOTE: Only follow the instructions in this section if you are using First Data s Atlanta platform and have been specifically instructed by your acquiring bank not to use Datawire. Figure 31 Connection Type This is a drop-down box used to select the connection your software will use as the primary method to reach the Atlanta platform. The options are Datawire, EFSnet or High-Speed Internet not used. Only set this field to EFSnet if specifically instructed to do so by your acquiring bank representative; otherwise, select Datawire if you wish to use your broadband Internet connection. Store ID To transact over the EFSnet gateway, you will need a Store ID. Type in the Store ID you received from your bank representative or from EFSnet Web Services. Page 63 of 156

68 Setting Up Internet Processor Access Store Key When you received the Store ID, you should also have received a Store Key. This is your authentication key to validate your login when you send transactions to EFSnet. Type in the Store Key exactly as you received it. Server URL Type in the address for the EFSnet payment server exactly as you received it. Generally, the default setting in the software will work properly. First Data Atlanta Network Tab The FDMS Atlanta IPN Tab within the ICVERIFY setup application displays the information that was entered using the Setup Wizard. Some of the information can be modified and saved using this screen; other items can only be modified through the Setup Wizard. You ll note the information in this setup tab is identical to the information shown in Figure 31. Figure 32 Page 64 of 156

69 Setting Up Internet Processor Access Internet Settings for First Horizon Merchant Services Figure 33 The following screen shot (Figure 33) shows the information you must supply to configure your software to interact with the First Horizon Merchant Services platform operated by Nova Information Systems. NOTE: You can skip this section if you are not using First Horizon. Primary Network Connection This is a drop-down box used to select the connection your software will use as the primary method to reach the First Horizon gateway. The options are High-Speed Internet or Dial-up Modem. Primary / Secondary URL The addresses your software will use to transmit transactions to the First Horizon system. Type in the URLs exactly as you received them from FHMS. Primary / Secondary Port The ports your software will use to submit transactions to First Horizon. This is typically port 443, commonly used for Secure Sockets Layer (SSL) traffic. Generally, both the Primary and Secondary Ports are the same value, but if you received different ports from FHMS, be sure to enter the correct ports in the correct fields. Page 65 of 156

70 Setting Up Internet Processor Access Enable Encoding Determines whether even-parity encoding should be enabled for your connection to First Horizon. Enter Y if First Horizon has informed you that even parity is necessary; N if it is not. First Horizon Network Tab The First Horizon Network Tab within the ICVERIFY setup application displays the information that was entered using the Setup Wizard. The information can be modified and saved using this screen. You ll note the information in this setup tab is identical to the information shown in Figure 33. Figure 34 Page 66 of 156

71 Setting Up Internet Processor Access Internet Settings for RBS Lynk Systems Figure 35 The following screen shot (Figure 35) shows the information you must supply to configure your software to interact with RBS Lynk Systems Internet platform. NOTE: You can skip this section if you are not using RBS Lynk. Primary Network Connection This is a drop-down box used to select the connection that JCard will use as the primary method to reach the RBS Lynk gateway. The options are High- Speed Internet or Dial-up Modem. Primary / Secondary URL The addresses JCard will use to transmit transactions to the RBS Lynk system. Type in the URLs exactly as you received them from FHMS. Primary / Secondary Port The ports JCard will use to submit transactions to RBS Lynk. This is typically port 443, commonly used for Secure Sockets Layer (SSL) traffic. Generally, both the Primary and Secondary Ports are the same value, but if you received different ports from RBS Lynk, be sure to enter the correct ports in the correct fields. Page 67 of 156

72 Setting Up Internet Processor Access RBS Lynk Network Tab The RBS Lynk tab within the ICVERIFY setup application displays the information that was entered using the Setup Wizard. The information can be modified and saved using this screen. You ll note the information in this setup tab is identical to the information shown in Figure 35. Figure 36 Page 68 of 156

73 Setting Up Internet Processor Access Internet Settings for GE RSF The following screen shots (Figures 37 and 38) show the information you must supply to configure your software to interact with GE RSF / Monogram over the Internet. For private label card processing, GE uses the Internet access for First Data s Nashville platform, so the information within Figures 37 and 38 will be similar to the information used to configure the IPN network, discussed earlier in this chapter. For Internet-based application processing, GE uses TNS TransXpress network. NOTE: You can skip this section if you are not using GE RSF / Monogram. Figure 37 Page 69 of 156

74 Setting Up Internet Processor Access Figure 38 Primary Network Connection This is a drop-down box used to select the connection that JCard will use as the primary method to reach the GE host. The options are High-Speed Internet or Dial-up Modem. Nashville MID To reach the GE platform, you must have a Merchant ID for First Data s Nashville platform in order to traverse the IPN network. Type in the MID for the Nashville platform exactly as you received it. Nashville TID To reach the GE platform, you must have a Terminal ID for First Data s Nashville platform in order to traverse the IPN network. Type in the TID for the Nashville platform exactly as you received it. Nashville Datawire ID Number Enter your Datawire Device Identification number provided by your acquiring bank here. JCard uses this device ID to identify you to the IPN network system. Primary URL Primary IPN resource address, provided by your acquiring bank. Page 70 of 156

75 Setting Up Internet Processor Access Secondary URL Secondary IPN resource address, provided by your acquiring bank. TransXpress Gateway URL Type in the URL provided to you by GE or TNS to reach the TransXpress Gateway. Port Type in the port number for the TransXpress gateway. Please note that unlike the JCard Port parameter discussed earlier, this is an external port. You must configure your firewall to support this port connection to the TransXpress Gateway if you wish to perform GE Application Processing over the Internet. GE IPN Network Tab The GE IPN tab within the ICVERIFY setup application displays the information that was entered using the Setup Wizard. The information can be modified and saved using this screen. You ll note the information in this setup tab is identical to the information shown in Figure 37. Figure 39 Page 71 of 156

76 Setting Up Internet Processor Access GE Application Processing Network Tab The TransXpress tab within the ICVERIFY setup application displays the information that was entered using the Setup Wizard. The information can be modified and saved using this screen. You ll note the information in this setup tab is identical to the information shown in Figure 38. Figure 40 Page 72 of 156

77 Setting Up Internet Processor Access Internet Settings for Global Payments East Platform The following screen shot (Figure 41) shows the information you must supply to configure your software to interact with Global Payments East platform over the Internet via the proprietary GlobalNet platform. You can skip this section if you are not using Global Payments. NOTE: Only follow the instructions in this section if you were specifically instructed by your acquiring bank representative not to use Datawire for Internet transaction transport to the East platform. Figure 41 Connection Type This is a drop-down box used to select the connection your software will use as the primary method to reach the Atlanta platform. The options are Datawire, GlobalNet or High-Speed Internet not used. Only set this field to GlobalNet if specifically instructed to do so by your acquiring bank representative; otherwise, select Datawire if you wish to use your broadband Internet connection. Page 73 of 156

78 Setting Up Internet Processor Access Primary Gateway URL This is the primary Internet address that ICVERIFY will attempt to transmit transactions on your behalf. The field is pre-filled with default IP address or URL information from Global. If you received any information from your acquirer bank or directly from Global Payments that differs from the default, use the information you received instead. Primary Port The port your software will use to submit transactions to Global. This is typically port 443, commonly used for Secure Sockets Layer (SSL) traffic. Secondary Gateway URL This is the backup Internet address that ICVERIFY will attempt to transmit transactions on your behalf. The field is pre-filled with default URL information from Global. If you received any information from your acquirer bank or directly from Global Payments that differs from the default, use the information you received instead. In many cases, the secondary URL may be the same as the primary. Secondary Port The port your software will use to submit transactions to Global. This is typically port 443, commonly used for Secure Sockets Layer (SSL) traffic. Global Payments Network Tab The Global Payments East IPN tab within the ICVERIFY setup application displays the information that was entered using the Setup Wizard. The information can be modified and saved using this screen. You ll note the information in this setup tab is identical to the information shown in Figure 41. Page 74 of 156

79 Setting Up Internet Processor Access Figure 42 Page 75 of 156

80 Setting Up Internet Processor Access Internet Settings for Heartland Payment Systems Figure 43 The following screen shot (Figure 43) shows the information you must supply to configure your software to interact with Heartland Payment Systems Exchange platform over the Internet. NOTE: You can skip this section if you are not using Heartland. Primary Network Connection This is a drop-down box used to select the connection that JCard will use as the primary method to reach the Heartland host. The options are High-Speed Internet or Dial-up Modem. Primary Information Gateway URL, Auth Port & Settle Port These parameters represent the primary system that ICVERIFY will attempt to interact with at Heartland to send payment transactions. Type in the gateway address, authorization port and settlement port exactly as you received them from your Heartland representative. Normally you should be able to use the default values that ICVERIFY pre-fills in the screen. Page 76 of 156

81 Setting Up Internet Processor Access Secondary Information Gateway URL, Auth Port & Settle Port These parameters represent the backup system that ICVERIFY will attempt to interact with at Heartland to send payment transactions, in the event the primary system is not available. Type in the gateway address, authorization port and settlement port exactly as you received them from your Heartland representative. Normally you should be able to use the pre-filled default values. Enable Encoding This parameter determines whether even-parity encoding should be enabled for your connection to Heartland. Set this parameter to Y if Heartland has requested that you use even-parity; N if not. Normally you should keep this value at the default of N. Heartland Exchange Network Tab The Heartland Exchange Network tab within the ICVERIFY setup application displays the information that was entered using the Setup Wizard. The information can be modified and saved using this screen. You ll note the information in this setup tab is identical to the information shown in Figure 43. Figure 44 Page 77 of 156

82 Setting Up Internet Processor Access Internet Settings for Datamark The following screen shot (Figure 45) shows the information you must supply to configure your software to interact with Datamark over the Internet. Datamark uses the Internet access for First Data s South platform, so this information will be similar to the information used to configure the IPN network, discussed earlier in this chapter. NOTE: You can skip this section if you are not accepting Datamark-issued gift cards. Figure 45 Primary Network Connection This is a drop-down box used to select the connection that JCard will use as the primary method to reach the Datamark host. The options are High- Speed Internet and Dial-up Modem. Merchant ID To reach the Datamark platform, you must have a Merchant ID for Datawire s IPN network. Type in the MID exactly as you received it from your bank or gift card account representative. Terminal ID Enter the two-digit Terminal ID identifying this particular installation of software. If you do not know what your Terminal ID should be, or you do not have any other software or POS terminals running, you can use 00 (default). Page 78 of 156

83 Setting Up Internet Processor Access Datawire ID Number Enter your Datawire Device Identification number provided by your representative here. JCard uses this device ID to identify you to the IPN network system. Primary URL Primary IPN resource address, provided by your acquiring bank. Secondary URL Secondary IPN resource address, provided by your acquiring bank. Datamark IPN Tab The Datamark IPN tab within the ICVERIFY setup application displays the information that was entered using the Setup Wizard. The information can be modified and saved using this screen. You ll note the information in this setup tab is identical to the information shown in Figure 45. Figure 46 Page 79 of 156

84 Setting Up Internet Processor Access Settings for First Data Dynamic Currency Conversion If you are using the Dynamic Currency Conversion (DCC) service available on First Data s CARDnet platform, after you enter the basic information for the IPN system, you must also supply information for the ICVERIFY software to retrieve your exchange rate tables and card range information. The following screen shot (Figure 47) shows the information you must supply to configure your software to interact with FEXCO, First Data s foreign currency partner, over the Internet. NOTE: You should skip this section if you are not using First Data s Dynamic Currency Conversion service. Figure 47 Primary FTP Address / Secondary FTP Address These are the IP addresses of the primary and backup rate file servers at FEXCO. Do not change these values from the default unless instructed to do so. Port This is the port number on which a secure FTP session with FEXCO will be attempted. If you wish to use the DCC service, you must allow FTP protocol traffic over this port to the listed IP addresses through your external firewall. Page 80 of 156

85 Setting Up Internet Processor Access User Name / Password The FTP login information required by FEXCO. You must change these values to the ones for your specific merchant account. The default values will not work. Download Configuration Data This section allows you to configure the dates and times when your ICVERIFY software will attempt to retrieve card and rate information from FEXCO. There are two types of files: BIN (Bank Identification Number) files specifying whether a card is DCC-capable; these files must be downloaded once per month. Exchange rate files specifying current exchange rates between foreign currencies and U.S. Dollars; these files must be downloaded at least once per day, and ideally twice. Use the Download BIN Table on <xx> day of the month field to specify the day of the month that the product should attempt to retrieve the BIN file. Use a number from 1 to 31. Next, specify the 24-hour time to download the file on the given day. Valid values are from 0000 to Finally, you should specify the two times per day that the product should attempt to download exchange rate files from FEXCO. Again, use 24-hour time notation from 0000 to 2359 to specify two times. You should not need to change any of the default download configuration data. Only change these fields if specifically instructed to do so by the ICVERIFY, Inc. Help Desk or your merchant services representative. In any case, be sure the values entered represent times that you are sure the ICVERIFY software will be running. If the software is not running, it will not attempt to download the files. Offset from GMT Use this drop-down list box to select the number of hours your local time zone is offset from Greenwich Mean Time (GMT). As an example, US Eastern Time is GMT -5. Be sure to set this parameter for your local time zone. BIN File & Exchange Rate File Name The file names to be retrieved from the FEXCO rate file server. Do not change these values from their defaults unless instructed to do so. FEXCO Tab The FEXCO FTP Network tab within the ICVERIFY setup application displays the information that was entered using the Setup Wizard. The information can be modified and saved using this screen. You ll note the information in this setup tab is identical to the information shown in Figure 47. Page 81 of 156

86 Setting Up Internet Processor Access Figure 48 Page 82 of 156

87 Setting Up an ICVERIFY Payment Network Chapter 5 Setting Up an ICVERIFY Payment Network Overview This chapter describes how to set up ICVERIFY for multiple users, how to control each user s access to the application, and how to administer users, profiles and application access via the new ICVERIFY User Manager. You can support multiple users in one of two ways: Assign multiple users to a single installed copy of software and configure their ability to use the software according to their roles within your company; or Install multiple copies of the software (for example, at each clerk s desk) and assign each user a user profile that they can use to process transactions at each installed location. The ICVERIFY User Manager Your ICVERIFY installation CD contains a powerful application called the ICVERIFY User Manager that allows you to create and manage users for all your ICVERIFY applications from one convenient location. You should familiarize yourself with the User Manager s features and operations, so you can configure and administer your network conveniently and securely. Read the ICVERIFY User Manager Guide for detailed information about this software product. Installing ICVERIFY on Multiple Computers ICVERIFY can be set up for use on more than one computer in a networked environment. When configuring ICVERIFY for multiple users, select one system on your network to serve as a master station. The master station handles all communication with the processing network. It also handles data file storage for the other network stations running ICVERIFY. The master station and the other network stations communicate by exchanging data in the following manner: Transactions and other requests are exchanged as quote-comma delimited ASCII text files (called REQUEST and ANSWER files) within a shared network directory. This directory can be at any location on the network as long as it is accessible to all of the network stations that will be processing transactions. Page 83 of 156

88 Setting Up an ICVERIFY Payment Network NOTE: Because the master station processes transactions for all of the other network stations, it must be configured with the modem or Internet connection you will use to submit transactions to the processing network.!!! The substations must have full (read/write/execute) access to the merchant data directory for other purposes. Furthermore, this access must be constantly available. As you install the ICVERIFY product across your business, ensure your network is designed to allow this access level to all the computers where you intend to install the software. Setting Up and Using a Network The master station is the computer that acts as a server to the other computers in your network, or substations. The master station runs an application called icvmlt32.exe and handles communications with the processor on the substations behalf. The transaction servicing application icvmlt32.exe will invoke other necessary ICVERIFY product components to perform transaction processing. You can choose to install icvmlt32.exe as a Windows application or service, depending on your needs. NOTE: It is not a requirement that the computer functioning as the ICVERIFY master station be the same computer that acts as the network server. You only need to ensure the master station has network connectivity to your processor. The substations on the network use the ICVERIFY Graphical User Interface for transaction entry by default. If you re using a point-of-sale (POS) system that has been designed to integrate with ICVERIFY, you can use this system in place of ICVERIFY on some or all of the substations where transactions will be processed.!!! POS systems may not be able to perform all of the functions that a substation can perform (for example, report printing, installment billing, and some settlement functions). You may wish to set up at least one substation in order to perform these functions. Page 84 of 156

89 Setting Up an ICVERIFY Payment Network Network Setup Guidelines If you intend to use your software in a Master Station / Substation networked mode, you must bear in mind the following important guidelines: Always set up your network before processing any real-world payment transactions, if possible. Always set up your Master Station first, and only set up your substations when you know your master station is up and running. Bear in mind that when you first install a copy of ICVERIFY software, it is designed to come up in stand-alone mode. If you re installing software on a PC that you intend to use as a Substation, do not configure it to use the data directory/directories used by the Master Station until you have switched that copy into substation mode. Never configure multiple master stations, or multiple stand-alone installations, to use the same data directory and set of files. Each installed copy of ICVERIFY software uses a unique encryption key and if multiple copies attempt to access the same set of files directly, the files will become corrupted and the data within them will become unusable. (Substations inherit their encryption key information from the network Master Station.) All instances of the ICVERIFY GUI application on a payment network must be set up as substations, including the GUI installed on the master station PC. If your payment network will support multiple merchants represented by multiple SET files, each merchant must have its own data directory, and all data directories must be in the same shared location (for example, subdirectories off a master network share.) Since you will probably want to control access to all the stations in your network from a single location, make sure you install the User Manager database on a computer that all stations can reach. Don t forget that the computer you are using as the master station must be physically capable of communicating with the processing network. Page 85 of 156

90 Setting Up an ICVERIFY Payment Network Installation Plan ICVERIFY, Inc. recommends that you set up your payments network in the following phases: 1. First, install the ICVERIFY software on your Master Station computer and set up your master station service. 2. Next, configure the ICVERIFY GUI application on your master station to act as your first substation. Run a test transaction from the GUI to confirm both it and the master station are configured properly. 3. Finally, install the ICVERIFY software on your Substation computers and configure each copy to act as a substation. Run a test transaction from each substation to confirm it s processing successfully. 4. Clean out any test transactions from your network before processing in production. Remember, the only supported method for multiple copies of software to access the same data files is the master station / substation mode. Master Station Setup Follow the steps in the table below to set up your Master Station. Always set up your Master Station first, and confirm it is up and running properly, before configuring any Substations. Step Action 1. Install ICVERIFY on the computer chosen as the master station, and complete the set up program for a stand-alone workstation. For information on installing and setting up ICVERIFY, see Installing and Setting Up ICVERIFY for Windows. 2. Log into the ICVERIFY GUI application and run a test transaction to make sure there are no problems in connecting to your processing network. When you are satisfied, remove the test transaction and close the application. Do not perform this test with a real-world transaction! 3. Access the folder where you installed the ICVERIFY software, and double-click icvmlt32.exe. The ICVERIFY Multi-User Processor screen is displayed. 4. Select the default Initialize String or if you require specific installation string arguments, refer to the Master Station Command Line Options section later in this chapter. 5. Type the full path to a shared directory accessible by all stations running ICVERIFY in the Request Directory field. For convenience, you may use a directory on the master station, or you may use a Page 86 of 156

91 Setting Up an ICVERIFY Payment Network directory located on a network share. What matters is ensuring this request directory is accessible to all stations in your network, and that all stations have full permissions to it. The request directory will be used by the stations on the network configured in shared directory mode. 6. Type the number of seconds you want ICVERIFY to wait between attempts to process requests in the Process Files Every Seconds field. NOTE: The field accepts values from 1 to 99 (the default value of 3 should be optimal for most situations). 7. Click Initialize. Result: The GETLASTERROR() STATUS field indicates whether the initialization request was completed successfully. 8. If your operating system supports services, you may configure icvmlt32.exe to operate as a Windows service. This helps to ensure your master station will always be running when the computer is operational. Once the master station has been initialized, it regularly checks the shared directory specified in the Request Directory field for transaction requests that need to be processed. Any transactions found are processed. The corresponding Answer files are placed in the shared network directory to be retrieved by the substation or integrated point-of-sale system that originated the transaction. Page 87 of 156

92 Setting Up an ICVERIFY Payment Network Substations Substations communicate with the master station by exchanging files through the shared directory. They also directly access the merchant data directory to read batches, customer database files, and the like. The substations can use either ICVERIFY or an integrated POS program for transaction entry. Each substation must be assigned a unique three-digit station number used to identify that substation to the master station when processing transactions. Transactions are tagged with an identifier specifying the substation the request originated from, so the master station can return the response to the proper location. In the case of networks using the shared-directory method, a substation will write files named after its station ID to the shared directory. NOTE: POS systems designed to be used with ICVERIFY will have a mechanism that can be used to define a station number. Consult the documentation included with your POS software for more information on configuring it with ICVERIFY. Substation Setup Follow the steps in the table below to set up your first ICVERIFY substation with its first merchant profile. Remember that ICVERIFY, Inc. recommends that you set up at least one substation as the GUI application installed on your master station computer. Step Action 1. Install ICVERIFY on each computer that will be acting as a substation. Be sure you correctly specify where the ICVERIFY User Manager database is running, or you will not be able to log into the substation.!!! Do not run the Upgrade or Setup Wizard after installing the software. 2. On the master station, find the directory where ICVERIFY has been installed, and copy icverify.set as well as the associated PCVX XML file, if one exists, to the ICVERIFY installation directory you used on the substation. 3. Before launching the ICVERIFY application, go to Windows Explorer and map network drives to the following locations: The network location containing the request directory, if you are using the shared-directory communication method. The network location containing the data directories for all the merchant profiles you intend to support on the network. Remember, each profile requires its own directory, and they should all be in the same network share. Page 88 of 156

93 Setting Up an ICVERIFY Payment Network Step Action Configure each of these network drives to reconnect automatically on startup. Do not continue unless these shares successfully connect and have a drive letter assigned to them. 4. Run ICVERIFY on the substation and log in under a user account that has access to the Options menu. 5. From the Edit menu, choose Options. The Options dialog will display. 6. Click the Substation tab, then click Select Substation Mode. See Figure 49. Figure 49 Substation Tab ICVERIFY GUI Options Dialog Step Action 7. In the Substation Number field, select a unique station number for the substation you are setting up. NOTE: The station number can be no greater than the number of users that have been licensed for this copy of ICVERIFY. If you are not sure of the number of users that you are licensed for, check the Number of Users field under the Terminal ID tab of Advanced Setup. 8. In the Master Station Drive field, type the drive to the share Page 89 of 156

94 Setting Up an ICVERIFY Payment Network Step Action containing the merchant data directories. In simple payment networks, this will be the drive to the share you create on the master station. In more complex networks, this may be a share on a file server. 9. You can optionally enter the machine name of your master station in the Master Station Name field. 10. In the Request File Path field, type the network path to the directory you chose in the Request Directory field during master station setup. You can also use Browse to select the request file directory. This directory will be used for the exchange of transaction requests and responses. NOTE: Do not use the same directory specified by DATA DISK:\DIRECTORY. The REQUEST and ANSWER file directories should be kept separate from the data directory. 11. Click OK. This copy of software is now configured as a substation, and will automatically run in substation mode when loaded.!!! Once a copy of ICVERIFY has been configured as a substation, do not take it out of substation mode. NOTE: When a substation is first started, the initial transaction of the session can take longer than usual, as the substation must gather information from the master station. The user will see a Waiting for Response from Master Station message flicker for approximately 30 seconds. This is normal behavior. Master Station Command Line Options There are several command line parameters that can be used with ICVMLT32.EXE. These commands (with the exception of /A) are entered into the Initialization String field when loading the program. Option Description /A Once ICVMLT32.EXE has been initialized at least once, the /A argument will cause ICVMLT32.EXE to automatically initialize using Page 90 of 156

95 Setting Up an ICVERIFY Payment Network Option /DD Description the same settings that were used the last time that the program was initialized manually. This switch should not be used in the Initialization String field. Instead, create a shortcut to run ICVMLT32.EXE, then append the /A to the command line in this fashion: C:\ICVERIFY\ICWin404\ICVMLT32.EXE /A The /DD command line parameter can be used in the Initialization String field to place ICVMLT32.EXE into Training Mode. When the /DD command is used, ICVMLT32.EXE will treat all transactions it receives as Training Mode transactions, and process them accordingly. This command line parameter is generally used only when testing an integration between ICVERIFY and another application. If you want to place the GUI into Training Mode, choose Options from the Edit menu, and then click Training Mode (this will affect only the substation where Training Mode was selected). NOTE: When in Demo Mode, the ICVERIFY batch and history files will be named icvtrai*.*. /D The /D command line parameter provides the same functionality as the /DD parameter, except the ICVERIFY open batch and history files are named icvdemo*.*. /P This command line parameter can be used to load a setup file other than the default. This is sometimes useful in testing and multi- Merchant setups. The syntax for this command line parameter is as follows: /P [Set File Name] Where [Set File Name] is the name of the set file to be loaded. To load ICVMLT32.EXE using ICVE0005.SET, type the following into the Initialization String field: /P ICVE0005.SET The /P switch can be used with ICVERIFY.EXE by creating a shortcut and appending the switch and set file name to the command line in the same manner as shown above. NOTE: When specifying the setup file name, the.set extension must be specified or the setup file will not be loaded. /O This command line parameter forces the program to use the short, evaluated response when returning the response from the Processing Network. Page 91 of 156

96 Setting Up an ICVERIFY Payment Network Option /O[x] /XX Description This response type may be required from ICVMLT32.EXE by the substations for a multi-user setup to function properly. The response type can also be configured in the setup file by using the Evaluate RSP (Y/N/B/L/D/S) field under the Merchant Information tab in Advanced Setup. The optional x causes ICVMLT32.EXE to return the original request on the first line and the short, evaluated response to the request on the second line. The /XX parameter can be used to force ICVMLT32.EXE into debug mode. All program activity will be logged to a file called ICVERIFY.DBG, which will be located in the directory where the program files have been installed. This file is often used for software troubleshooting; however, the information it contains is in a highly technical format and may be encrypted depending on your version of software. Page 92 of 156

97 Setting Up ICVERIFY For Multiple Merchants Chapter 6 Setting Up ICVERIFY for Multiple Merchants Overview ICVERIFY for Windows can be configured to process transactions for more than one merchant account. NOTE: Multi-merchant processing can be used only after purchasing the appropriate licensing from ICVERIFY, Inc. Do not violate your license agreement! Getting Started Before setting up your software to handle multiple merchants, you will need to perform the following tasks: Gather setup information for each merchant as described in Installing and Setting Up ICVERIFY. Obtain a validation code for each merchant s setup information. Run the Setup Wizard for each merchant, and create the Setup files. (ICVERIFY switches between these Setup files when processing transactions for different merchant accounts.) If you have installed the ICVERIFY User Manager, associate the new merchants with the users you want to be able to access them. Understanding Multiple Merchant Conventions Configuring ICVERIFY for multiple merchants involves creating a Setup file for each merchant, naming it correctly, and making sure that each merchant s transaction data is stored in a separate directory. Three very important concepts must be understood if a multi-merchant setup is to be implemented properly: Naming conventions Data directory specification User permissions Page 93 of 156

98 Setting Up ICVERIFY For Multiple Merchants Naming Setup Files Each merchant s setup information is stored in a file that ends with a.set extension. The default Setup file in a normal, single-merchant configuration is called icverify.set. In a multi-merchant setup, the standard naming convention for ICVERIFY Setup files is icvexxxx.set, where XXXX is a unique merchant identifier that ICVERIFY uses to locate the correct Setup file when processing a transaction for a particular merchant. In many cases, each.set file as an associated XML file containing additional profile data. Both files are critical to manage and maintain your merchant profile. NOTE: Each Merchant Setup file created after setting up the first merchant should have a four-digit merchant identifier. Multiple Merchant Naming Conventions Table 4 shows an example of how to name multiple merchants. Table 4 Multiple Merchant Naming Conventions Merchant Setup File Name XML File Name Data Directory Name Merchant Identifier Merchant 1 icverify.set pcvxrify.xml DATADIR RIFY Merchant 2 icve0001.set pcvx0001.xml DATA Merchant 3 icve0002.set pcvx0002.xml DATA Merchant 4 icve0003.set pcvx0003.xml DATA NOTE: It is not necessary to use the numeric naming convention outlined in Table 4 (alpha characters can also be used). However, it is recommended that the numeric convention discussed above be used as it aids in troubleshooting and file maintenance. Page 94 of 156

99 Setting Up ICVERIFY For Multiple Merchants Specifying a Data Directory Each merchant must specify a separate data directory during the setup process to store transaction data. If this is not done, transaction data from different merchant setups will be mixed together in the same files and sent to the wrong processor, or submitted under the wrong merchant account. Since it will likely be impossible for you to recover the mixed transactions and you may be exposed to chargebacks and fines, it is imperative that you configure your merchant directories correctly. The DATA DISK: \DIRECTORY field under the Merchant Information tab of the Advanced Setup program specifies the merchant s data directory. When naming the data directories for each merchant, it is strongly recommended that the directory name contain the merchant identifier discussed in Naming Setup Files (you can leave the data directory for icverify.set at its default value). For an example of how to specify a data directory for each merchant, see Table 4. Specifying User Permissions The final step you should consider when configuring ICVERIFY to support multiple merchant accounts is to use the ICVERIFY User Manager application to associate users with the new accounts. This is a simple and effective way of controlling access to your merchant accounts and ensuring that only qualified employees are processing transactions. For more information on associating users with merchant accounts, consult the ICVERIFY User Manager Setup Guide. Page 95 of 156

100 Setting Up ICVERIFY For Multiple Merchants Setting Up Multiple Merchants This section explains how to set up merchants using your system to run ICVERIFY. Setting Up the First Merchant The procedure for setting up the first merchant is slightly different than the procedure for setting up the remaining merchants. This section explains how to set up the first merchant with ICVERIFY. Follow the steps below to set up the first merchant. Step Action 1. Install ICVERIFY, run the set up program, and set up the first merchant as described in Installing and Setting Up ICVERIFY. 2. While still in the ICVERIFY Setup Application, Click the Merchant Information tab. (You may need to re-launch the setup application and log back in if you closed it after installing the software.) 3. In the DATA DISK:\DIRECTORY field, type the name of the data directory where you want the software to store the data files. NOTE: You must specify a separate data directory for each merchant in your multi-merchant setup. The name of the data directory is usually tied to the merchant identifier, as described in Table 4. For the merchant using icverify.set, this field can be left at its default value (DATADIR), which indicates a DATADIR sub-directory of the main ICVERIFY program directory. 4. Click the Options tab. 5. In the Settle All Merchants? (Y/N) field, type Y if you want ICVERIFY to settle all merchants at once when a settlement for any single ICVERIFY merchant is attempted. NOTE: If you would rather manually initiate settlement for each merchant individually, leave this field as the default value of N. Page 96 of 156

101 Setting Up ICVERIFY For Multiple Merchants Step Action 6. Select Save from the File menu. Now run ICVERIFY and try a test transaction to make sure that the processing connection is working correctly. NOTE: If you are using a modem, you should record the Modem Port and Initialization String field settings (located under the Hardware tab). Since all the merchants in your multi-merchant setup will use the same modem, you must make sure that the Modem Port and Initialization String fields are the same for each merchant s Setup file.!!! Be sure to make a backup copy of icverify.set and pcvxrify.xml before setting up the remaining merchants. Setting Up the Remaining Merchants Follow the steps below to set up the remaining merchants in your multimerchant system. Step Action 1. Launch the ICVERIFY Setup Application and log in. 2. From the File menu, choose New. The Setup Wizard is launched and you can begin entering the setup information for your new merchant. If the merchant setup information file was already created for you, select File-Open instead of New and access the setup file. 3. When you have finished setting up the merchant, click the Merchant Information tab in the Setup application. 4. In the Data Disk:\Directory field, type the name of the data directory where you want ICVERIFY to store the data files for this particular merchant. NOTE: If you are following the naming conventions described in Table 4, type DATA0001 here for the second merchant. 5. Now click the Options tab. Page 97 of 156

102 Setting Up ICVERIFY For Multiple Merchants Step Action 6. In the Settle All Merchants? (Y/N) field, type Y if you would like to have the software settle all merchants at once when a settlement for any single ICVERIFY merchant is attempted. (This must be set for all merchants.) NOTE: If you would rather manually initiate settlement for each merchant individually, leave this field at its default value of N. 7. Click the Hardware tab. 8. In the Modem Port field and Modem Initialization String field, type the information you recorded when you set up the first merchant. You can skip this step if you aren t using a modem. 9. Select Save from the File menu.!!! Be sure to save this information with another name for this merchant. If you are following the naming conventions described in Table 4, type icve0001.set as the name for setting up the second merchant. NOTE: Repeat this process for each additional merchant you are adding to your system, making sure to use a different name for each. Populating the Merchants Table Once all of your merchants are set up with the correct data, you must populate the Merchants Table. NOTE: You can only add merchants if your user account has the appropriate Administrator-level privileges to access the Options menu and add merchants. Before continuing, be sure you are logging in under a user account that has these privileges. Step Action 1. Launch the ICVERIFY GUI application and log in. 2. From the Edit menu, choose Options. 3. Click the Modes tab. 4. Click Multiple Merchants Mode. 5. Click Merchants Table. The Merchants Table dialog is displayed. 6. Click Add Merchant. The Add Merchant dialog will display. Page 98 of 156

103 Setting Up ICVERIFY For Multiple Merchants Step Action 7. In the Merchant Code field, type the four-character merchant identifier you chose for your first merchant. NOTE: If you are using the naming conventions described in Table 4, RIFY is the merchant identifier you would type here. 8. Click OK. The Merchants Table is displayed containing the first merchant. 9. Repeat this procedure for each merchant installed on your system.!!! Only RIFY or numeric identifiers should be used when setting up merchants. 10. The last thing you will want to do is launch the ICVERIFY User Manager and assign access to your new merchants. Each merchant you add is automatically added to the User Manager merchant list; however, if you are operating a system with multiple users, you will need to select the users you want to be able to access each merchant you ve added. Consult the ICVERIFY User Manager Guide for information on how to manage merchants and users. Page 99 of 156

104 Setting Up ICVERIFY For Multiple Merchants Switching Between Merchants While operating the ICVERIFY application, you may occasionally want to switch from one merchant to another. You can do so by following the steps below. NOTE: You can only switch to merchants associated with your user account. If you need to access a merchant that is not available to your user account, that merchant will not appear in the merchant list. Contact your ICVERIFY system administrator for access. You will also need the Switch Merchants privilege in your account profile. Step Action 1. Launch the ICVERIFY GUI application and log in. 2. From the Function menu, choose Switch Merchants. The Switch Merchants dialog will display. 3. Select the merchant that you want to switch to in the Switch Merchants field. 4. Click OK. Page 100 of 156

105 APPENDIXES Appendix A Options Dialog Overview This appendix describes the Options dialog. To access the Options dialog, choose Options from the Edit menu. The screen that appears may differ based on your primary processing network. Review Figures 50a, 50b, 50c and 50d for the screen that applies to you. Figure 50a Options Dialog (Most Processors) Page 101 of 156

106 APPENDIXES Figure 50b Options Dialog (First Data CARDnet, Nashville) Figure 50c Options Dialog (First Data Prosa) Page 102 of 156

107 APPENDIXES Figure 50d Options Dialog (First Data South) Page 103 of 156

108 APPENDIXES Modes Tab Table 5 describes the features in the Modes tab. Table 5 Features in the Modes Tab Feature Training Mode Description Enables Training Mode. When enabled, Training Mode simulates a response from the processing network. The modem does not dial out when transactions are submitted. Any transactions authorized or settled in Training Mode are stored separately from live transactions. NOTE: Training Mode transactions are always approved if for even dollar amount. Transactions done for an odd dollar amount are rejected unless they end with 5 cents (for example, $12.95 or $1.05 would be approved). Debug Mode Enables/disables Debug Mode, which is used to troubleshoot software problems. When operating in Debug Mode, the software logs information that is useful to programmers and client services staff. Debug Mode is on by default. This information is written to a file called ICVERIFY.DBG, which is stored in the directory where you installed the ICVERIFY application files. Since this file can contain important data, the information is encrypted and can only be reviewed by a technician with the appropriate decryption utility. For this reason, the debugger is reserved for the ICVERIFY Help Desk s use. Each time the program is started in Debug Mode, any pre-existing debug file is renamed to ICVERIFY.DBO. Multiple Merchants Mode Enables/disables Multiple Merchants Mode. Merchants Table allows you to add, delete, or switch between merchants while in a multi-merchant setup. For more information on multi-merchant setup, see Setting Up ICVERIFY for Multiple Merchants. Page 104 of 156

109 APPENDIXES Substation Tab This tab is used to configure ICVERIFY to run in Substation Mode for a multiuser setup. Table 6 describes the features in the Substation Tab. Table 6 Features in the Substation Tab Feature Select Substation Mode Substation # Description Enables/disables Substation Mode. NOTE: This checkbox must be enabled to access the other parameters in this tab. Assigns a unique station number to this substation. The station number cannot exceed the number of users licensed to use the software. Up to 999 substations can be supported with the appropriate licensing. A single-user license allows only one substation. A basic multi-user or network license allows four users, so you would be able to configure substations with station numbers ranging from 1 through 4. If you are unsure of the number of users you are licensed for, start the Advanced Setup program and check the Number of Users field (located near the bottom of the Terminal ID tab). Master Station Drive Master Station Name Request File Path Identifies the drive where the master station has been installed. Contains the machine name of the master station. Identifies a path to the shared directory that will be used to exchange REQUEST and ANSWER files. This path must point to the same directory that was entered into the Request Directory field when setting up ICVMLT32.EXE. Page 105 of 156

110 APPENDIXES Receipt Tab This tab is used set the number of receipts that will be printed whenever a transaction is approved. You can specify a different number of customer copies or merchant copies. You can also define a custom message to appear on the receipts. The receipt message can be up to 30 characters long. NOTE: To set up a receipt printer, choose Printer Setup from the File menu. Card Reader/ PIN Pad Setup Tab This tab is used to specify the COM port and device type for serial devices. Supported devices are as follows: No device attached VeriFone 1000SE, 2000, 5000SC and compatible PIN pads LinkPoint BankPoint II / FD-10C PIN pads ICVERIFY serial card reader Ingenico PINpad Magtek Serial and USB card readers Table 7 describes the features in the Card Reader / PINpad Setup tab. Table 7 Features in the Card Reader / PIN Pad Setup Tab Feature Device Type Device Port Validate Last Four Digits of Swiped Card Description Allows you to select the serial device type. PINpad devices must be compatible with one of the directly supported devices. Identifies the port that the serial device will be using. If this box is checked, the GUI will prompt you for the last four digits of any Swiped Credit Card. Page 106 of 156

111 APPENDIXES MICR Check Reader Setup Tab This tab is used to specify the COM port and device type for serial MICR check reader devices, and is used when you have a Magtek IntelliChek MICR reader installed. This tab is applicable for the following processor connections where MICR readers are supported: FDMS Telecheck Telecheck Certegy FDMS Atlanta (Buypass) Buypass ETC/SCAN NOVA Information Systems Table 8 describes the features in the Check Reader Setup tab. Table 8 Features in the Check Reader Setup Tab Feature Device Type Device Port Description Allows you to select the serial device type. Identifies the port that the serial device will be using. Contactless Reader Setup Tab This tab is used to specify the COM port and device type for serial contactless card reader devices, and is used when you have a Vivotech VivoPay 4000 reader installed. Table 9 describes the features in the Contactless Reader Setup tab. Table 9 Features in the Contactless Reader Setup Tab Feature Device Type Device Port Description Allows you to select the serial device type. Identifies the port that the serial device will be using. Time / Date Tab This tab allows you to configure the time and date format for the Clock Pane, which is located in the lower right hand corner of the ICVERIFY interface. Page 107 of 156

112 APPENDIXES Keycorp EMV Pinpad Setup Tab This tab is used to specify the COM port and device type for EMV chip card readers and is used when you have a Keycorp K23P pin-pad device with EMV level 2 kernel support installed. This tab is applicable for the following processor connections where Keycorp EMV Pin pad is supported: FDMS South FDMS Prosa Table 10 Features in the Keycorp EMV Pinpad Setup Tab Feature Device Type Device Port Description Allows you to select the serial device type. Identifies the port that the serial device will be using. Page 108 of 156

113 APPENDIXES Appendix B Setup Data Overview This appendix describes the information required during setup. Check your merchant setup sheet to confirm you have all the information you need to enter into the ICVERIFY software to enable your merchant account. If you are missing any information, contact your bank representative. NOTE: If your processor is not represented in this appendix, refer to readme.txt, located in the file where you installed ICVERIFY or contact your processor s Help desk for a list of the information required during setup. Credit Card Setup Data by Processor Table 10 describes the information required by each credit card processor during setup. For more information about setting up ICVERIFY, see Installing and Setting Up ICVERIFY. NOTE: The code displayed in the Card Code field is ICVERIFY specific and can be found for your processor in the Credit Card Type field in Advanced Setup. Under normal circumstances, you should never have to modify the field; just let the ICVERIFY setup application modify it for you. Page 109 of 156

114 APPENDIXES Table 10 Processor Setup Data Credit Cards Processor Card Code Requested Data FDMS Atlanta (Concord BUYPASS) Page 110 of 156 Q Merchant Number Terminal ID BUYPASS Password Currency Code FDMS CARDnet (North) 4 Terminal Type CES Merchant Number CES Termid MCC/SIC/Merchant Type CPS 2000 Qualify Y/N FDMS Nashville Y Terminal Type MID Number TID Number Source ID Terminal Capability FDMS Omaha (FDR) r Merchant Number Terminal Type FDMS South (NaBANCO) t Merchant Number Terminal Type Serial Number Qual Code Private Label/NOVUS American Express SE Number Novus SE Number State Code Country Code City or Zip Code MCC/SIC/Merchant Type POS Entry/Condition POS Terminal Type POS Terminal Capability Carte-BL/Diners JCB Sequence Number Acquirer ID FDMS South PROSA (Mexico) X Merchant Number Terminal Type Serial Number Qual Code MCC/SIC/Merchant Type POS Terminal Capability

115 APPENDIXES Processor Card Code Requested Data First Horizon Merchant Services Acquirer ID Currency Code Country Code f Terminal Type D0. Bank BIN Number Merchant Number Store Number Terminal Number Device Code Industry Code Currency Code Country Code City or Zip Code Language Indicator Time Zone Differential Agent Number Chain Number Reimbursement Attribute Security Code MCC/SIC/Merchant Type Term Identification Number Location Number Rec/Iss Ins./KeySet ID Floor Limit GE RSF / Monogram O Terminal Type FCS Network Routing Merchant Number Global Payment Systems Atlanta Host (East) Global Payment Systems St. Louis MAPP Host (Central) g M Merchant Number Terminal ID Terminal Type Terminal Number Heartland Payment Systems J Terminal Type K0. or D0. Bank BIN Number Merchant Number Store Number Terminal Number Device Code Currency Code Country Code City or Zip Code Language Indicator Time Zone Differential Agent Number Chain Number Page 111 of 156

116 APPENDIXES Processor Card Code Requested Data Reimbursement Attribute Security Code MCC/SIC/Merchant Type Terminal Identification No. Location Number Rec/Iss Ins./KeySet ID Floor Limit NOVA Information Systems y Bank BIN Number Terminal ID Chase Paymentech u System Indicator Network Routing Client Number Merchant Number Terminal Number Merchant Type RBS Lynk Systems E Terminal Type D0. Bank BIN Number Merchant Number Store Number Terminal Number Device Code Industry Code Currency Code Country Code City or Zip Code Language Indicator Time Zone Differential Agent Number Chain Number Reimbursement Attribute Security Code MCC/SIC/Merchant Type Term Identification No. Location Number Rec/Iss Ins./KeySet ID Floor Limit TSYS v Terminal Type K0. or D0. Bank BIN Number Merchant Number Store Number Terminal Number Device Code Industry Code Currency Code Page 112 of 156

117 APPENDIXES Processor Card Code Requested Data Country Code City or Zip Code Language Indicator Time Zone Differential Agent Number Chain Number Reimbursement Attribute Security Code MCC/SIC/Merchant Type Term Identification No. Location Number Rec/Iss Ins./KeySet ID Floor Limit Debit Card Setup Data Table 11 describes the information required by each debit card processor during setup. For more information about setting up ICVERIFY, see Installing and Setting Up ICVERIFY. NOTE: The code displayed in the Card Code field is ICVERIFY specific and can be found for your processor in the Debit / ATM Type field in Advanced Setup under the Terminal ID tab. Table 11 Processor Setup Data Debit Cards Processor Card Code Requested Data FDMS Atlanta (Concord BUYPASS) Q Merchant Number Terminal ID BUYPASS Password Currency Code FDMS CARDnet (North) 4 Terminal Type Merchant Number Termid Encryption Key Key Number Debit Fee (Cents) FDMS Omaha (FDR) r Merchant Number Terminal Type Encryption Key Global Payment Systems Atlanta Host (East) g Merchant Number Terminal ID Page 113 of 156

118 APPENDIXES Global Payment Systems St. Louis MAPP Host (Central) M Terminal Type Terminal Number Heartland Payment Systems j Terminal Type D0. Bank BIN Number Merchant Number Store Number Terminal Number Device Code Currency Code Country Code City or Zip Code Language Indicator Time Zone Differential Agent Number Chain Number Reimbursement Attribute Rec/Iss Ins./KeySet ID Merchant ABA Number Merchant Settlement Agent Sharing Group MCC/SIC/Merchant Type NOVA y Bank BIN Number Terminal ID Chase Paymentech u System Indicator Network Routing Client Number Merchant Number Terminal Number Merchant Type RBS Lynk Systems E Terminal Type D0. Bank BIN Number Merchant Number Store Number Terminal Number Device Code Industry Code Currency Code Country Code City or Zip Code Language Indicator Time Zone Differential Agent Number Chain Number Reimbursement Attribute Security Code Page 114 of 156

119 APPENDIXES MCC/SIC/Merchant Type Term Identification Number Location Number Rec/Iss Ins./KeySet ID Floor Limit TSYS v Terminal Type K0. or D0. Bank BIN Number Merchant Number Store Number Terminal Number Device Code Industry Code Currency Code Country Code City or Zip Code Language Indicator Time Zone Differential Agent Number Chain Number Reimbursement Attribute Rec/Iss Ins/KeySet ID Merchant ABA No. Merchant Settlement Agent Sharing Group Check Setup Data Table 12 describes the information required by each check processor during setup. For more information about setting up ICVERIFY, see Installing and Setting Up ICVERIFY. NOTE: The code displayed in the Check Code field is ICVERIFY specific and can be found for your processor in the Check Guarantee Type field in Advanced Setup. Table 12 Processor Setup Data Check Processing Check Processor Processor Code Requested Data BUYPASS Q Merchant Number Terminal ID BUYPASS Password Currency Code Page 115 of 156

120 APPENDIXES Check Processor Processor Code Requested Data BUYPASS ETC/SCAN 1 Merchant Number Terminal ID BUYPASS Password Currency Code FDMS Cardnet ETC 2 Merchant Number Terminal ID K1 Driver s License Type K2 MICR Type FDMS Cardnet NPCJBS 4 Merchant Number Termid K1 Driver s License Type K2 MICR Type FDMS Cardnet TELECHECK 5 Merchant Number Termid K1 Driver s License Type K2 MICR Type Paymentech u System Indicator Network Routing Client Number Merchant Number Terminal Number Merchant Type NOVA y Application Type Patch ID Sub-patch ID Terminal ID Telecheck R Terminal Type Network Routing Processing Center Processing Type Terminal ID Terminal Number Terminator Certegy E Terminal Type Merchant Number Page 116 of 156

121 APPENDIXES Stored Value / Gift Card Setup Data Table 13 describes the information required for stored value / gift cards. Table 13 Processor Setup Data Stored Value / Gift Cards Processor Processor Code Requested Data First Data Gift Cards (FDMS Cardnet) 4 Merchant Number Terminal Number Alternate Merchant Number Merchant Category NOVA y Application Type Patch ID Sub-patch ID Terminal ID Paymentech u System Indicator Network Routing Client Number Merchant Number Terminal Number Merchant Type Datamark k Terminal Type Datamark Merchant Number Serial Number Private Label and Application Processing Setup Data Table 14 describes the information required for Private Label card and GE Application Processing setup. Table 14 Processor Setup Data Private Label & Application Processing Page 117 of 156

122 APPENDIXES Processor Processor Code Requested Data Citi Credit Services (CCS) Private Label Processing F Card Type Terminal Type Merchant Number Card # Range Low Card # Range High Card Minimum Length Card Maximum Length Store Number Terminal Number Device Code Industry Code Currency Code Country Code City or Zip Code Language Indicator Time Zone Differential MCC/SIC/Merchant Type Security Code Check Digit Organization ID CCS Store Number First Data Resources (FDR Omaha) Private Label Processing GE RSF Private Label Processing GE RSF Application Processing r O O Card Type Terminal Type Merchant Number Card # Range Low Card # Range High Card Minimum Length Card Maximum Length Check Digit Valid Expiration Date Optional Fields Card Name Terminal Type FCS Network Routing Merchant Number Card # Range Low Card # Range High Card Minimum Length Card Maximum Length Check Digit Application Processing(Y/N) Node Phone Number Alternate Phone Number Page 118 of 156

123 APPENDIXES Appendix C Advanced Setup Tabs Overview This appendix describes the options available in the tabs located in the ICVERIFY Setup dialog. Terminal ID Tab The Terminal ID tab may contain some of the information previously entered, formatted to match the processor s requirements. This information is used by ICVERIFY to identify your company to the processing network (or networks) that you are using. NOTE: You can view or update this panel by running ICVERIFY Setup from your ICVERIFY program group, or by running ICSETUP.EXE from the program directory where ICVERIFY has been installed. If ICVERIFY is running while changes are made using the setup program, it must be restarted before any changes made in setup will take effect. Figure 51 shows the fields displayed in the Terminal ID tab. Page 119 of 156

124 APPENDIXES Figure 51 Terminal ID Setup Tab Table 15 Terminal ID Tab Fields Option ID Fields (VISA through Misc Info 3) Description IDs that are created using the previously entered processor setup information. Each card processor has its own set of identifying codes that combine to make up the terminal ID number. Under most circumstances, the information appearing in Page 120 of 156

125 APPENDIXES Option Description the Visa, MasterCard, Discover, American Express, and DBO fields will be the same. One or more of the ID fields will be different if one or more card types are authorized or settled separately. To restrict authorization for a particular card type, type NOTSETUP as the terminal ID for that card type.!!! Do not type NOTSETUP in the DBO field. The processor ID fields are used in special circumstances only. Don t alter information that appears in these fields unless instructed to do so by a Technician. Number of Users Credit Card Type The number of users (terminals) licensed to use this copy of ICVERIFY. The default is 004 for a multi-user copy, and 001 for a single-user copy. For example, if a merchant has a multi-user license for eight users (number of users = 8) this would mean that ICVERIFY would be able to accept a total of eight network stations and no more. With appropriate licensing, a single copy of ICVERIFY can handle up to 999 network stations. A one-character code that represents a credit card Processing Network. NOTE: This code was selected as a result of the choices made using the processor selection screen of the Setup Wizard, and is not normally changed here. If split dialing is set up, verify that the field is set to the code for the main processor. Debit/ATM Type This field should contain a one-character code that represents the network that will be processing Debit/ATM transactions. If debit card processing has not been set up, this field should be left at the default value: - (hyphen). NOTE: This code is entered through the processor setup screens and not normally changed here. Check Guarantee Type The code representing the network that will be used for check processing. If check processing has not been set up, leave this field at the default value: - (hyphen). NOTE: This code is entered through the processor setup screens and not normally changed here. Stored Value Type The code representing the network that will be used for stored value card processing. If you have not set up stored value processing, leave this field at the default value: - (hyphen). Page 121 of 156

126 APPENDIXES Option Description NOTE: This code is entered through the processor setup screens and not normally changed here. Serial Number Validation Code The ICVERIFY serial number found on the original ICVERIFY disks and on the packaging. This is a nine-character, alphanumeric code that begins with a 4S or a 4M prefix (4S indicates a Windows single-user license and 4M indicates a Windows multi-user license). An eight-character alphanumeric code derived from your processor setup data. Choosing Register Software from the File menu of the Advanced Setup interface presents you with the option to register online, to call the vendor and obtain a validation code over the phone, or to save the information that was entered without entering a validation code. If this last option is used, ICVERIFY will not load until the correct validation code has been entered. See Chapter 3 for more information about the different options that can be used to obtain a validation code. If you are having trouble getting the validation code to be accepted, go back and check all of your processor setup information your validation code was generated from this data and if any of it was entered incorrectly the code will not be accepted. Merchant Information Tab Figure 52 shows the fields displayed in the Merchant Information tab. NOTE: You can view or update this panel by running ICVERIFY Setup from your ICVERIFY program group, or by running ICSETUP.EXE from the program directory where ICVERIFY has been installed. If ICVERIFY is running while changes are made using the setup program, it must be restarted before any changes made in setup will take effect. Table 16 describes the fields displayed in the Merchant Information tab. Page 122 of 156

127 APPENDIXES Figure 52 Merchant Information Tab Page 123 of 156

128 APPENDIXES Table 16 Merchant Information Tab Fields Option Merchant DBA Name Merchant Address Merchant City, State, ZIP Merchant Phone Number Offline Group Input File Offline Group Output File Years of History Data Disk:\Directory Description Company name. This name is reported to the card processor and prints on charge slips/receipts and reports. Company street address. This address is reported to the processor and prints on charge slips/receipts. Company city, state, and five-digit ZIP code. These are reported to the processor and print on charge slips/receipts. Company voice phone number. The number is reported to the processor and prints on charge slips/receipts. The name of the INPUT file for offline group processing. ICVERIFY stores all transactions done in offline group mode in this file for processing. The default name for this file is BATCHIN.DAT. The name of the OUTPUT file for offline group processing. Once the Offline Group Input file has been transmitted, ICVERIFY writes the results to this file. The default name for this file is BATCHOUT.DAT. The number of years of historical transaction data that will be stored by ICVERIFY. The default value for this field is 9, which means that ICVERIFY will store up to nine years of transaction data. The disk drive letter and directory where data will be stored for this merchant setup file. The data directory should be used only to store ICVERIFY data, and should be different from the ICVERIFY program directory. For multi-user configurations, it should also be different from the shared directory used to exchange REQUEST and ANSWER files. You can use the Browse button to search for the directory.!!! When configuring ICVERIFY for multiple merchants, it is critical that you specify a different data directory for each merchant using the DATA DISK:\DIRECTORY field. End-Of-Day Processing Time To configure ICVERIFY to automatically attempt to initiate a settlement at a specific time of day, use this parameter to specify a time for automatic settlement. Since the settlement activity varies based on the type of processing network you use, please read this section carefully. The default setting is 00, which indicates manual or host settlement. Valid values are as follows: Settings for terminal-/hybrid-based processors: Page 124 of 156

129 APPENDIXES Option Description 00 Do not settle automatically; if you use this setting you must settle manually or you will not receive your funds Initiate settlement at the specified time, using 24-hour notation. 01 initiates settlement at 1:00 AM, while 24 is midnight. Settings for host-based processors: 00 Move the open batch to history at 12:00:01 AM the next day :00AM - 12:00PM (clears transactions to history at a specific hour) :00PM - 12:00AM (clears transactions to history at a specific hour) 55 Sends a notification to a host-based processor to close the batch on the host side. Not all processors support this. 56 Used when split dialing to a host-based processor and a terminal based processor; clears the host-based processor s transactions to history, then dials the terminal-based processor for settlement; debit transactions settle at normal time. 99 ICVERIFY keeps batch open, not clearing to history automatically (don t use this value unless instructed to by a technician or representative of the financial institution where your account has been established). NOTE: If you are using a host-based processor, a batch closing or settlement may not be required (because the processor does it for you automatically). In that case, the Auto Settle field should either be left at its default value of 00, or you can set it to a value between 25 and 48 if you want your open batch to move to history at a time more in line with the cut time on the processor s system. Type of Business The business profile that has been established with your processing network. The following are valid values: R Retail (default) M Mail Order/Telephone Order D Purchase Card Level 2, Mail Order E Purchase Card Level 2, Retail P Purchase Card Level 2 and 3, Mail Order Q Purchase Card Level 2 and 3, Retail The following additional types of business will run in an integrated setting: F Food or restaurant H Hotel A Auto Rental L Airline Page 125 of 156

130 APPENDIXES Option C Communications T Travel B Bar S Sundries G Gas Station Description The default is R (retail); use it if you are uncertain about how the processor has set up the merchant. Unless you are integrating ICVERIFY with another application, choose only the Retail or Mail Order formats, or purchasing card equivalents. If an invalid code is entered, ICVERIFY will fail to load, displaying an Invalid Processor/Type of Business message. Tip / Floor Limit Value Applies to the restaurant and hotel types of business. If the restaurant format is used, this field is used to enter a percentage amount that will be added to the sale amount during authorization to allow for a tip. If the hotel format is being used, this field can be used to set the floor limit for Prestigious Properties. The following are valid values: 05 $500 limit 10 $1,000 floor limit 15 $1,500 limit 00 not a Prestigious Property Address Verification Maximum Transaction The status enabled (Y) or disabled (N) of address verification. The ZIP code and address entry will be added to the transaction. The largest transaction amount allowed by ICVERIFY. The default is $20,000, however the software can support values up to $950,000. If you change this amount, be sure you do not set it to a greater value than your processor can support. Some networks only support a maximum amount of $25,000 or $99,999 per transaction. SDK Response Type This only applies to integrated systems using the legacy (request string) interface of the ICVERIFY Software Developer s Kit. Y Produces a simple response (default) N Produces the full response B Returns the text of the request as well as the simple response L Includes the request, date and time, with the simple response D Not Supported S Outputs as database format Business The description of your business. This field is required if American Page 126 of 156

131 APPENDIXES Option Description Validate Tax Amount Recurring Payment Support Deferred Billing Support Debt Payment Support CVV/CVC/CID Enabled International Merchant Country Code Maximum Request Pick Up Time Maximum Wait Time for Answer Description Express is your processor, and optional if you use any other processor. Select Y to validate the tax amount entered. Tax amount must be between 0.1% and 22% of the transaction amount entered. Select N if no validation is required. This flag enables or disables the Recurring Payment feature in ICVERIFY, and is available for most processors. Y Recurring Payment is applicable. N Recurring Payment is not applicable. This flag enables or disables the Deferred Billing feature for Visa and MasterCard cards in ICVERIFY, and is available for most processors. Y Deferred Billing is applicable N Deferred Billing is not applicable. This flag enables or disables the Debt Payment feature for Visa cards in ICVERIFY, and is available for most processors. Y Debt Payment is applicable N Debt Payment is not applicable. Set this field to Y if you want the ICVERIFY interface to prompt you to enter CVV2, CVC2 and CID values. Put Y if the merchant is an international merchant and N for a domestic setup This field allows you to indicate whether this copy of software is being used in the US, Canada or some other country. Enter 840 for the US. The value you enter here will determine whether the Treat Diners Club as MasterCard option is turned on by default. If you have set up the software to operate in master station / substation mode, this parameter determines the total number of seconds a substation will wait for a request to be picked up by the master station before timing out and returning an error. The default is 120 seconds. This is another parameter used only in master station / substation mode. This parameter determines the total number of seconds a substation will wait for a master station to respond to a request before timing out and returning an error. The default is 300 seconds. Cash Advance Capable If you are using First Data s CARDnet platform for credit card processing, you have the ability to perform Cash Advance transactions. This parameter indicates whether the Cash Page 127 of 156

132 APPENDIXES Option Description Advance feature is active for the current merchant profile. If you are not using the CARDnet platform, the field is disabled. NOTE: You cannot perform both Cash Advance and regular credit card transactions from the same merchant profile. If you want to perform both types of credit card transactions, you must set up two separate merchant profiles, and enable Cash Advance for one of them. Credit Cards Tab Figure 53a shows the fields displayed on the Credit Cards tab. Figure 53b shows the screen when Other 1 is selected as GE RSF and description for application processing phone numbers on the Credit Cards tab. Table 17 describes the fields displayed in the Credit Cards tab. NOTE: If you used the Setup Wizard to configure your Credit settings, do not change the values in this tab unless specifically instructed to do so by a technical representative of ICVERIFY, Inc. or your system administrator. The Setup Wizard will pre-fill important values in this tab that must not be changed. Page 128 of 156

133 APPENDIXES Figure 53a Credit Cards Tab Page 129 of 156

134 APPENDIXES Figure 53b Credit Cards Tab GE Processor Table 17 Credit Cards Tab Options Page 130 of 156

135 APPENDIXES Option Change for Data Node Phone Number Baud Rate Alternate Phone # Baud Rate Network Type Address Settlement Phone # Baud Rate Network Type Address Altrnt Settle Phone # Description The credit card type for the processor setup information entered (for example Visa, MasterCard, American Express, DBO, Other 1, Other 2, Other 3, Other 4, Other 5) You can choose any or all of the credit card types. The primary processing network phone number used for authorizations. The baud rate that will be used when dialing the node phone number. The default is The alternate phone number for your authorization network. The baud rate for the alternate phone number. The default is The alternate address for your authorization network. The primary phone number used in the settlement/close batch procedure. The primary baud rate used in the settlement/close batch procedure. The default is The primary network address used in the settlement/close batch procedure. The alternate settlement phone number used during the settlement/close batch procedure. Baud Rate The alternate baud rate used during the settlement/close batch procedure. The default baud rate is Network Type Address Voice Auth Phone # Help Desk Phone # Authorizing Type The alternate network address used during the settlement/close batch procedure. The information in this field will appear on the screen when a transaction is declined. The phone number entered into this field will appear on the screen when a transaction is declined. The one-character code that represents the processing network that will be authorizing transactions for this type of card. Page 131 of 156

136 APPENDIXES Option Settlement Type Card Codes Application Node Phone Application Alternate Phone # Description The one-character code for the card-processing network that will be used when performing a settlement/end day procedure for transactions of this card type. This field is for special codes used by the processor, and it is not normally changed. The field is for the primary processing network phone number used for authorization of Application Processing transactions. The field is for the alternate phone number for authorization of Application Processing transactions. Stored Value Tab Figure 54 shows the fields displayed on the Stored Value tab. Table 18 describes the fields. NOTE: If you used the Setup Wizard to configure your Stored Value settings, do not change the values in this tab unless specifically instructed to do so by a technical representative of ICVERIFY, Inc. or your system administrator. The Setup Wizard will pre-fill important values in this tab that must not be changed. Page 132 of 156

137 APPENDIXES Figure 54 Stored Value Tab Page 133 of 156

138 APPENDIXES Table 18 Stored Value Tab Options Option Merchant Number Node Phone Number Baud Rate Alternate Phone # Baud Rate Network Type Address Settlement Phone # Baud Rate Network Type Address Altrnt Settle Phone # Description The merchant number used by the stored value Processing Network. The primary processing network phone number used for authorizations. The baud rate that will be used when dialing the node phone number. The default is The alternate phone number for your authorization network. The baud rate for the alternate phone number. The default is The alternate address for your authorization network. The primary phone number used in the settlement/close batch procedure. The primary baud rate used in the settlement/close batch procedure. The default is The primary network address used in the settlement/close batch procedure. The alternate settlement phone number used during the settlement/close batch procedure. Baud Rate The alternate baud rate used during the settlement/close batch procedure. The default baud rate is Network Type Address Voice Auth Phone # Help Desk Phone # The alternate network address used during the settlement/close batch procedure. The information in this field will appear on the screen when a transaction is declined. The phone number entered into this field will appear on the screen when a transaction is declined. Authorizing Type The one-character code that represents the processing network that will be authorizing Page 134 of 156

139 APPENDIXES Option Settlement Type Card Codes Description transactions for this type of card. The one-character code for the card-processing network that will be used when performing a settlement/end day procedure for transactions of this card type. This field is for special codes used by the processor, and it is not normally changed. Debit Cards Tab Figure 55 shows the fields displayed in the Debit Cards tab. Table 19 describes the fields displayed in the Debit Cards tab. NOTE: If you used the Setup Wizard to configure your Debit settings, do not change the values in this tab unless specifically instructed to do so by a technical representative of ICVERIFY, Inc. or your system administrator. The Setup Wizard will pre-fill important values in this tab that must not be changed. Page 135 of 156

140 APPENDIXES Figure 55 Debit Cards Tab Page 136 of 156

141 APPENDIXES Table 19 Debit Cards Tab Options Option Merchant Number Node Phone Number Baud Rate Alternate Phone # Baud Rate Network Type Address Description The merchant number used for processing debit cards. The merchant number will be printed on receipts and may be used in the settlement/close batch process. The primary network phone number used for authorizations. The baud rate used when dialing the node phone number. The default is The alternate phone number for your authorization network. The baud rate for the alternate phone number. The default is The alternate address for your authorization network. Settlement Phone # The primary phone number used in the settlement/close batch procedure. Baud Rate Network Type Address Altrnt Settle Phone # The primary baud rate used in the settlement/close batch procedure. The default is The primary network address used in the settlement/close batch procedure. The alternate settlement phone number used during the settlement/close batch procedure. Baud Rate The alternate baud rate used during the settlement/close batch procedure. The default baud rate is Network Type Address Voice Auth Phone # The alternate network address used during the settlement/close batch procedure. The phone number entered in this field will appear on the screen when a transaction is declined. Page 137 of 156

142 APPENDIXES Option Help Desk Phone # Description The phone number entered into this field will appear on the screen when a transaction is declined. Authorizing Type The one-character code that represents the processing network that will be authorizing transactions for this type of card. Settlement Type Card Name Card Codes Type Control The one-character code for the card-processing network that will be used when performing a settlement/end day procedure for transactions of this card type. The actual name of the card type. It will appear on reports and allows you to track this card type. It is not changeable for the standard card types. This field is for special codes used by the processor, and it is not normally changed. Not used for debit cards. Page 138 of 156

143 APPENDIXES Check Guarantee Tab Figure 56 shows the fields displayed in the Check Guarantee tab. Table 20 describes the fields displayed in the Check Guarantee tab. NOTE: If you used the Setup Wizard to configure your Check Guarantee settings, do not change the values in this tab unless specifically instructed to do so by a technical representative of ICVERIFY, Inc. or your system administrator. The Setup Wizard will pre-fill important values in this tab that must not be changed. Page 139 of 156

144 APPENDIXES Figure 56 Check Guarantee Tab Page 140 of 156

145 APPENDIXES Table 20 Check Guarantee Tab Options Option Merchant Number Node Phone Number Description The merchant number used for processing checks. The merchant number will be printed on receipts and may be used in the settlement/close batch process. The primary network phone number used for authorizations. Baud Rate Alternate Phone # The baud rate used when dialing the node phone number. The default is The alternate phone number for your authorization network. Baud Rate Settlement Phone (not used) The baud rate for the alternate phone number. The default is Not used. Baud Rate Network Add (not used) Altrnt Settle # (not used) Not used. Not used. Not used. Baud Rate Network Add (not used) Not used. Not used. Voice Auth Phone # Help Desk Phone # Authorizing Type The phone number entered in this field will appear on the screen when a transaction is declined. The phone number entered into this field will appear on the screen when a transaction is declined. The one-character code that represents the processing network that will be authorizing transactions for this type of card. Page 141 of 156

146 APPENDIXES Option Settlement Type Card Name Card Codes Type Control Description The one-character code for the card Processing Network that will be used when performing a settlement/end day procedure for transactions of this card type. Not used. Not used. Not used. Page 142 of 156

147 APPENDIXES Hardware Tab Figure 57 shows the fields displayed on the Hardware tab. Table 21 describes the fields displayed in the Hardware tab. NOTE: You can view or update this panel by running ICVERIFY Setup from your ICVERIFY program group, or by running ICSETUP.EXE from the program directory where ICVERIFY has been installed. Figure 57 Hardware Tab Page 143 of 156

148 APPENDIXES Table 21 Hardware Tab Options Option Modem Port Description This field is used to specify the communications port to which a modem is attached. By default, ICVERIFY will try each phone number (primary and alternate) twice. The number of retries is set by following the port information with Rx where x is the total number of times to retry using the phone number. Place an N after the port information to force ICVERIFY to translate the parity on the data coming in from the port. This is necessary for some modems that have trouble communicating at even parity. Following is an example of setting up a modem on COM3, retrying twice, and determining the parity: 3 R2 N. Page 144 of 156

149 APPENDIXES Option Initialization String Description This string is used to set up the modem and dial the processing network. Because the files ICVERIFY uses are quote-comma delimited files, DO NOT put a double quote in this string. If the modem requires a double quote, use two single quotes, and ICVERIFY will translate as modem transmission occurs. The ~ (tilde character) translates to a carriage return and waits for an acknowledgment to comeback from the modem. Use of a ~ at the beginning of the dial string causes ICVERIFY to pause before it starts sending data to the port after it opens. This is necessary for some modems that take time to come online after the port has been opened. Extra features on a modem can cause trouble in obtaining authorizations. Most bank computers use generic 1200-baud modems and are programmed to disconnect if there is any extra data during the initial handshaking. When a modem with error correction, data compression, or high-speed communications connects to another modem, it tries to match the features of that modem. This involves a negotiating process that is seen as extra data. To solve this, disable these modem features by clicking Auto-Detect in the Modem Setup screen in the Setup Wizard. The Setup Wizard s auto detect feature scans COM ports for a modem and when it finds one, attempts to build a dial string that disables these features. If auto detect is unable to find your modem or unable to generate a working string, contact the modem manufacturer s technical support and request a dial string that will disable error correction, data compression, and any high speed negotiation.!!! If the dial string generated by the Auto Detect feature or by choosing your modem from the list in the Auto Detect field contains back quotes, do not remove them. Connection Wait Time Serial PIN-pad Type This value specifies the time in seconds that the software will keep a dial line open for the processor to respond before timing out and closing the line. Generally, leave this value at the default setting of 30 seconds. This field is used if you are using a DUKPT PINpad. If you are using a DUKPT PINpad, type D in this field. If you are using any other type of PINpad, leave this field as its default value of N. Page 145 of 156

150 APPENDIXES Option Signature Capture Port Signature Capture Type Wait Hold Not used Not used Description This information is related to multi-user operation. Two values are entered into this field, separated by a space. The first value determines the amount of time ICVERIFY is to wait before checking for transaction requests submitted by other stations on the network. The second value determines how long ICVERIFY will hold the line open once a connection is established with the processing network. NOTE: The hold value has no effect on how the processor handles communications, and that the processing network may drop the connection well before the time specified by the hold value has been reached. Options Tab Figure 58 shows the fields displayed in the Options tab. Table 22 describes the fields displayed in the Options tab. NOTE: You can view or update this panel by running ICVERIFY Setup from your ICVERIFY program group, or by running ICSETUP.EXE from the program directory where ICVERIFY has been installed. If ICVERIFY is running while changes are made using the setup program, it must be restarted before any changes made in setup will take effect. Page 146 of 156

151 APPENDIXES Figure 58 Options Tab Table 21 Options Tab Options Page 147 of 156

152 APPENDIXES Option Match First Two Fields Description Used for matching transactions. The following are valid values: Y: ICVERIFY matches the first and second fields when matching transactions (usually clerk and comments fields). N: Neither field is matched when searching. S: Only the second field is matched when searching. Settle All Merchants Used for multi-merchant setups. This determines whether ICVERIFY should attempt to perform a settle/close batch for all merchants whenever a settle/close batch is attempted for any one merchant. This option must be set to Y for each merchant s Setup file for this function to work correctly. If set to N, you will be required to settle each merchant individually. Multi-Trans Over Dial Date Format Governs whether the software attempts to send multiple transactions over a single dial-up session with the processor. Do not modify this value unless requested to do so by the ICVERIFY Help Desk. The following are valid format values: 0: MM-DD-YY 1: DD-MM-YYYY 2: YYYY-MM-DD NOTE: Do not change this value after using the software, or your generated reports will not be accurate. If you must change this value, you must also change it in the data directory. Monetary Format The following are valid format values: 0: NNN.NN (default) 1: NNN,NN NOTE: Do not change this value after using the software, or your generated reports will not be accurate. If you must change this value, you must also change it in the data directory. Page 148 of 156

153 APPENDIXES Option Include VAT in Amount Description Applies to Purchase Cards using VAT Tax only. Valid values are: Y: Tax is included in the amount. N: Tax to be added to amount (default). Special Option 1 Applies primarily to merchants using the restaurant market format. It controls how a restaurant Authorization transaction is handled by ICVERIFY. Valid values for the restaurant market format are as follows: N: ICVERIFY requires that an ADD TIPS transaction be completed before settlement of an authorization can occur. Y: Settlement of an authorization can occur before an ADD TIPS transaction is performed. If you are operating in Retail or Mail Order formats, this field should be set to Y. NOTE: Some restaurant point-of-sale packages may require this field to be set to Y in order to settle transactions. Consult the documentation included with your point-ofsale package for more information. Daily Report Start / End Time Used to set the default starting and ending times for reports. The default starting and ending times are 0000 and 2359, which means that any daily report will start at 12:00 AM and end at 11:59 PM. Changing the starting time to 0200 and the ending time to 0159 would set the default starting time to 2:00 AM and the ending time to 1:59 AM. When using these fields, be sure that a 24 hour time interval is specified. BIN Table Specifies the location of the flexible BIN range table supported in version and up. Unless you are performing testing with multiple BIN tables, leave this setting at its default value. Page 149 of 156

154 APPENDIXES Option Book / Tip Maximum Age Description Approved book transactions that have not been converted to Ships remain in the open batch after Settlement. However, the customer s reserved funds will expire after the number of days set by your bank or processor. This field can be used to delete approved books after the number of days specified by you after they have been authorized. The default setting is 00, which means books are never removed from the open batch. ecommerce Flag If you charge transactions over the Internet, you must also send a special flag indicating that these are ecommerce transactions. Setting this option is all that is necessary to send the special flags. ICVERIFY -support settings are as follows: 07: Channel-encrypted for e-commerce blank: Not set up for e-commerce transactions (default) Please consult with your financial institution to see whether you will be required to send e-commerce transactions.!!! SECURITY AND E-COMMERCE TRANSACTIONS: ICVERIFY may be used to send transactions over the Internet, provided the user has implemented security measures (firewalls, encrypted files, and so on.) appropriate to the user s intended use. E-commerce transactions require an inherently higher level of security than transactions that communicate over the traditional phone system. Security of transactions and transaction data is the responsibility of the user and is beyond the scope of ICVERIFY support. You should carefully read the ICVERIFY Secure Software Guide located on your installation CD-ROM and consult with a security expert if you have any questions about how to configure the product for ecommerce transactions. Enforce Terminal Type (H/T) Visa Commercial Card (Y/N) Indicates whether you want ICVERIFY to enforce hostbased or terminal-based processing. Used only for Level II purchasing card processing for Paymentech Host-based merchants. If this option is set Page 150 of 156

155 APPENDIXES Option Settlement Batch Size No NSF Check Box Description to Y, you will be prompted to enter tax information for all Visa transactions. This is because in a host-based environment, it is impossible to know precisely which Visa cards require tax information so you can qualify for a lower interchange rate. ICVERIFY now allows FDMS Cardnet users to specify the number of records in a transaction batch, up to a maximum 999. This field is available to Cardnet users only at this time. This field is for FDMS Stored Value / Gift Card processing only. It is used to specify whether a merchant accepting stored value cards wants the card to decline on a notsufficient-funds condition. For example, a cardholder with $90 on a gift card wishing to purchase a $100 item would either have his card declined (in an NSF condition), or the card s stored value would be reduced to $0 and the cardholder would have to show other means of paying the $10 balance (in a No NSF condition.) This field can have three possible settings: N: Do not support No NSF (meaning a purchase for more than the card s stored value will decline.) Y: Support No NSF, but set the No NSF check flag in the application to No by default, meaning the application still defaults to declining a purchase for more than the value on the card. X: Support No NSF and set the No NSF check flag in the application to Yes by default, meaning the application will default to allowing a purchase for greater than the amount stored on the card. NOTE: Merchants using No NSF are responsible for requiring other means to pay for any outstanding balance. Escheatable Check Box This field is for FDMS Stored Value / Gift Card processing only. It is used to specify whether a merchant wants to indicate that a stored value transaction is escheatable (meaning that a government entity has an interest in the property purchased.) This field can have three possible settings: N: Bypass escheatable check box and always set to No. Y: Support escheatable check box in the application, but set the box to No by default, meaning the Page 151 of 156

156 APPENDIXES Option Description application still defaults to indicating all stored value transactions are non-escheatable. X: Support escheatable check box in the application and set the box to Yes by default, meaning the application defaults to indicating that all stored value transactions are escheatable. NOTE: Laws of escheatment vary from state to state and jurisdiction to jurisdiction. Be sure you set this flag to the appropriate setting for your legal environment and line of business. Settlement Type This field applies to First Data BUYPASS / Atlanta merchants only. If you are processing on this platform, you need to specify whether you want to perform Merchant-initiated or Host-initiated settlement. Set this parameter to M if your merchant profile on the BUYPASS platform requires you to perform a batch settlement at the end of your processing day. Set it to H if your profile is set up such that the platform closes the batch automatically on your behalf. Force Y/N Responses This parameter allows you to force SDK responses to use only Y or N codes, instead of the extended response codes indicating whether the card was a consumer, purchasing or business card. It may be useful to you if you have enabled the backward-compatibility mode in the SDK and have a software integration that cannot recognize the additional codes documented in Chapter 6 of the ICVERIFY for Windows Software Development Kit Guide. Set this parameter to Y if you want your ICVERIFY software to return all approved transactions as Y, and all declined transactions as N. The parameter is set to N by default. NOTE: Set this parameter to Y only if you have an SDK integration that is not capable of handling the extended codes, and it is not feasible to update the integration. Failure to recognize a card as consumer or business may cause your business-to-business transactions to downgrade, causing you to pay higher fees. ICVERIFY, Inc. strongly recommends that you set this parameter only as a last resort, and that you or your third-party software integrator update your software to the latest SDK version. Page 152 of 156

157 APPENDIXES Option Log File Maximum Age Tax Exempt Merchant Visa Bill Payment IP Backup Dialing Description This parameter determines the number of days the application activity logs will be stored before they are deleted. This parameter specifies whether this merchant performs tax-exempt transaction processing and defaults to N. Set this parameter to Y if you are tax-exempt; set it to N if your sales are subject to tax. Set this parameter to Y if you perform Visa Bill Payment transactions. ICVERIFY for Windows has the ability to use a backup modem if you are using an Internet connection to interact with your processor and the connection goes down. If you set this parameter to Y, your software will attempt to dial out to the processor in the event that the initial transaction failed due to an Internet connection problem. If you do not have a modem attached to your computer, set this parameter to N. US English Keyboard Emulation Some magnetic stripe readers are keyboard-based, meaning that they submit track data through your PC s keyboard port. If your computer uses a non-english version of Microsoft Windows, or if you have a non-us keyboard, the characters the MSR reads may be changed by the operating system to the non-us character that is mapped to that particular key. For example, a Spanish installation of Windows may substitute the ñ character for the semicolon. This will cause swiped cards to fail to be read. Delete Import File If you are using a non-us English keyboard or version of Windows, set this parameter to Y. ICVERIFY for Windows will attempt to switch to US-based keyboard settings any time the cursor is flashing in the account number field in the GUI. NOTE: For this feature to work, you must load the US English keyboard map in the Windows Control Panel. Consult the Windows help files for detailed instructions. If you use the file import/export feature in the ICVERIFY software, you can set this parameter to Y if you want the product to delete your import files after processing them. The software uses an overwrite-and-delete technique Page 153 of 156

158 APPENDIXES Option Description which makes it more difficult for sensitive data to be harvested from your computer system if the hard drive is ever removed (for example, if you recycle your computer after purchasing a new one.) Printing Options Tab This version of ICVERIFY software includes enhanced support for receipt printing. Figure 59 shows the fields displayed in the Printing Options tab. Table 23 describes the fields displayed in the Printing Options tab. NOTE: You can view or update this panel by running ICVERIFY Setup from your ICVERIFY program group, or by running ICSETUP.EXE from the program directory where ICVERIFY has been installed. If ICVERIFY is running while changes are made using the setup program, it must be restarted before any changes made in setup will take effect. Page 154 of 156

159 APPENDIXES Figure 59 Printing Options Tab Table 23 Printing Options Tab Options Option Number of Merchant Receipts Description This parameter controls the number of merchant-copy receipts you want the software to print automatically on completing a transaction. Number of Customer Receipts This parameter controls the number of customer-copy receipts you want the software to print automatically on completing a transaction. Page 155 of 156

160 APPENDIXES Option Merchant Receipt Message Customer Receipt Message Report Printer Receipt Printer Configure Receipts from Setup Configure Reports from Setup Receipt Width Merchant Receipt Unmask Acct Description This is a plain-text field that allows you to add a customized message to your merchant-copy receipts. The message may be up to 30 characters in length. This is a plain-text field that allows you to add a customized message to your customer-copy receipts. The message may be up to 30 characters in length. The name or port of the printer to be used for printing reports. The name or port of the printer to be used for printing receipts. This parameter governs whether the receipt printer setting can be changed from the ICVERIFY Setup Application, or only from the ICVERIFY GUI. If the parameter is set to N, the Receipt Printer field will be grayed out (as shown in Figure 59.) This parameter governs whether the report printer setting can be changed from the ICVERIFY Setup Application, or only from the ICVERIFY GUI. If the parameter is set to N, the Report Printer field will be grayed out (as shown in Figure 59.) This parameter defines whether receipts will be printed in 40- or 23-column format. This is helpful if you have a tape-style receipt printer at your point of sale. This parameter defines whether the full account number and expiration date will be printed in the merchant copy. It defaults to Y. The account number and expiration date are always masked on customer-copy receipts. NOTE: Depending on your geographical location, you may be obligated to set this parameter to N to comply with payment industry regulations. Check with your acquiring bank for details on whether you are allowed to retain card numbers on your merchant receipt copies. Print Decline Receipts This parameter governs whether receipts should be printed for declined transactions. It defaults to N. Page 156 of 156