PayWithIt for Android Devices User Guide
Table of Contents About PayWithIt... 1 Installing PayWithIt... 1 Logging on to PayWithIt... 2 Logging Off from PayWithIt... 2 Configuring PayWithIt Settings... 2 Installing Mobile Card Readers... 11 Running Payment Card Swipe Transactions... 12 Running Manual Payment Card Transactions... 13 Running ACH Transactions... 14 Posting Preauth Transactions... 14 Crediting Transactions... 16 Voiding Transactions... 17 Capturing Signatures... 18 Sending Email Receipts... 18 Searching for Transactions... 19 Viewing Transaction Logs... 20 Viewing PayWithIt Transactions in TC Vault... 21 Using Test Mode... 22 Clearing Transaction Logs... 22 Required and Optional Processing Fields... 23 Transaction Screen Fields and Values... 26 Transaction Statuses... 29 Error (baddata) Notifications... 30 Frequently Asked Questions... 31 Updates and Revisions... 33 2015 TrustCommerce i
About PayWithIt PayWithIt is the TrustCommerce secure mobile payment application that works with mobile devices running the Android platform version 4.0 (Ice Cream Sandwich) and above. Merchants can securely and wirelessly capture payments via manual entry or an encrypted card swipe device. If your version of PayWithIt does not support manual entry, an encrypted swipe device is required. Using Point-of-Interaction (POI) encryption with anti-skimming, memory mitigation, SSL transmission encryption, and highly secure TrustCommerce processing and reporting products, PayWithIt exceeds security standards set forth by local, state, federal, and industry agencies. To use PayWithIt, you need: A TrustCommerce CustID and password An Android device running version 4.0 or above. An Internet connection (LAN, WAN, Wi-Fi, or cellular network data plan) A Google account with a Google email (either Gmail or a Google-hosted domain) associated with your phone or tablet ID TECH UniMag Pro or ID TECH Shuttle mobile magstripe reader Important: PayWithIt for Android supports the ID TECH UniMag Pro and ID TECH Shuttle readers only. Do not use extension cables or other attachments with the UniMag Pro. They can cause signal degradation and the device may not function properly. Installing PayWithIt To install PayWithIt on an Android device: 1. Tap Play Store. 2. Tap Search, type PayWithIt in the Search box, and then tap Search. 3. Tap PayWithIt, and then tap Install. 4. Tap Accept & download. When installation is complete, PayWithIt appears on the Home screen. 2015 TrustCommerce Page 1
Logging on to PayWithIt When you log on to PayWithIt, the Virtual Terminal screen appears. Use the navigation buttons on the menu at the top of each screen to move through the application. If you have an Enterprise account or access to multiple locations/custids, the Locations screen appears first. To access the Virtual Terminal screen, tap a location or user. Note: PayWithIt allows three attempts to submit the correct password before your account is temporarily locked. For assistance, contact Client Services. To log on to PayWithIt: 1. On the home screen, tap PayWithIt. 2. In User ID and Password, type your credentials, and then tap Login. 3. Tap the appropriate location/custid to proceed to the Virtual Terminal screen, if applicable; otherwise, the Virtual Terminal screen appears by default. Logging Off from PayWithIt As a best practice, log off from PayWithIt when the application is not in use. To log off from PayWithIt: 1. Tap (or on a tablet, tap ), and then tap Log Off. The Log Off? screen appears. 2. Tap Log off. Configuring PayWithIt Settings The Settings screen allows users with appropriate access levels to configure functionality in PayWithIt. You must be logged in as a Controller, Limited Controller, Administrator II, or Super User to configure PayWithIt settings. To access the Settings screen, log in to PayWithIt, and then tap on the Action bar. The Settings screen has the following menus: Login Gateway Virtual Terminal 2015 TrustCommerce Page 2
Receipts Discretionary Fields Session Timeout Alert Support Reset Login Settings To configure login settings: 1. On the Settings screen, tap Login. 2. For the Remember Me? function, select OFF or ON (when this is set to ON, PayWithIt remembers the last user name that logged in on the device). 3. Tap to return to the Settings screen. Test Mode Settings To enable or disable Test Mode: 1. On the Settings screen, tap Gateway. 2. For the Test Mode function, select OFF or ON (see Using Test Mode). 3. Tap to return to the Settings screen. ACH and Credit Card Transaction Settings To configure ACH and credit card transaction settings: 1. On the Settings screen, tap Virtual Terminal. 2. Configure the following, and then tap to return to the Settings screen. Function/Options Description ACH ACH Processing () Account Name () Enables processing of ACH transactions. If this feature is turned off, the ACH Virtual Terminal is not visible. Displays the Account Name box in the Virtual Terminal 2015 TrustCommerce Page 3
Function/Options Description ACH Allow Voids () Function/Options Manual Entry () Predefined Amount () Drop-down Amount Menu () Enables the void function ACH Amount Field Description Allows the user to manually enter a dollar amount for the transaction Allows the user to specify a predefined amount for ACH transactions Allows the user to specify multiple predefined amounts for ACH transactions (the amounts can be selected from a drop-down list in the Virtual Terminal amount box) To add an amount to the drop-down menu in Virtual Terminal, tap the amount box, type an amount, and then tap. 2015 TrustCommerce Page 4
Function/Options Allow Billing Details Capture () Function/Options Credit Card Processing CVV AVS Decline Sale Only Preauth Only Allow Voids/Credits ACH Billing Information Description Enables the following fields in Virtual Terminal: Address 1: (Minimum 1, Maximum 80 characters, alphanumeric) Address 2: (Minimum 1, Maximum 80 characters, alphanumeric) City: (Minimum 1, Maximum 40 characters, alphanumeric) State: (Minimum 1, Maximum 40 characters, alphanumeric) Zip: (Minimum 1, Maximum 20 characters, numeric only) Country: (Minimum 1, Maximum 40 characters, alphanumeric) Email: (Minimum 1, Maximum 80, alphanumeric) Phone: (Minimum 1, Maximum 30, characters, alphanumeric) Credit Card Description Displays the Credit Card screen Virtual Terminal Displays the CVV box in the Virtual Terminal If turned ON, PayWithIt tells TrustCommerce whether to issue soft declines based on the AVS result code (AVS=N) from the card issuing bank. Automatically processes all transactions as sale transactions Automatically processes all transactions as preauth transactions Displays the Voids/Credits button in the Virtual Terminal and allows void and credit transactions 2015 TrustCommerce Page 5
Function/Options Manual Entry Function/Options Signature Capture Display on email receipts Function/Options Manual Entry Predefined Amount Drop-down Amount Menu Credit Card Description Enables the user to manually enter a credit card number; if disabled, PayWithIt requires a supported reader and can only capture card swipe transactions Credit Card Signature Description Enables the signature capture function Displays the captured signature on email receipts Credit Card Amount Field Description Allows the user to manually enter a dollar amount for the transaction Allows the user to specify a predefined amount for credit card transactions Allows the user to specify multiple predefined amounts for credit card transactions; The amounts can be selected from a drop-down list in the Virtual Terminal Amount box. To add an amount to the drop-down menu in Virtual Terminal, tap the amount box, type an amount, and then tap. 2015 TrustCommerce Page 6
Function/Options Allow Billing Details Capture Credit Card Billing Information Description Enables the following in Virtual Terminal: Address 1: (Minimum 1, Maximum 80 characters, alphanumeric) Address 2: (Minimum 1, Maximum 80 characters, alphanumeric) City: (Minimum 1, Maximum 40 characters, alphanumeric) State: (Minimum 1, Maximum 40 characters, alphanumeric) Zip: (Minimum 1, Maximum 20 characters, numeric only) Country: (Minimum 1, Maximum 40 characters, alphanumeric) Email: (Minimum 1, Maximum 80, alphanumeric) Phone: (Minimum 1, Maximum 30, characters, alphanumeric) 2015 TrustCommerce Page 7
Transaction Receipt Settings To configure transaction receipts: 1. On the Settings screen, tap Receipts. 2. Configure the following, and then tap to return to the Settings screen. Receipts Function/Options Description Send as SMS Email Receipt Custom Message Include PDF version File Name Enables sending the email receipt as an SMS (US phone numbers only; message and data rates may apply) Enables sending email receipts for transactions; tap the box to type a custom email subject Allows the user to specify a custom message to send with the email receipt; tap the box to type a custom message Attaches a PDF file version of the receipt to the email receipt Allows the user to specify a file name for the PDF version of email receipts; the default file name is receipt.pdf. Tap the box to type a custom file name. 2015 TrustCommerce Page 8
Business Information Function/Options Business Name Address1 Address2 City State Zip Country Email Phone Upload your company logo Description Allows the user to specify business information that appears at the top of the receipt Allows the user to attach a company logo to the email receipt 2015 TrustCommerce Page 9
Discretionary Field Settings To enable discretionary fields: 1. On the Settings screen, tap Discretionary Fields. 2. Configure the following, and then tap to return to the Settings screen. Discretionary Fields Function/Options Description Ticket Field Custom Field Add New Custom Field Displays the Ticket box in Virtual Terminal Display on receipt Predefined Value - tap the Predefined Value box and type a value to appear on the receipt. Displays custom fields in Virtual Terminal Allows the user to create custom fields Session Timeout Settings To set the session timeout alert: Support On the Settings screen, tap Session Timeout Alert,. and then tap one of the following: Never 1 Minute 5 Minutes 10 Minutes On the Settings screen, tap Support. The Google Play Store application opens and directs the user to the PayWithIt app page. By default, the rating module is available at the bottom of the page. 2015 TrustCommerce Page 10
Reset Options To reset PayWithIt: 1. On the Settings screen, tap Reset. 2. Tap one of the following, and then tap to return to the Settings screen. Reset All Settings Erase Signatures Erase Transaction Logs Important: Reset All Settings resets PayWithIt to default settings and removes any custom configuration. Erase Signatures and Erase Transaction Logs permanently deletes all signatures and logs. Installing Mobile Card Readers The ID TECH UniMag Pro or Shuttle mobile magstripe readers are supported for processing credit and signature debit card transactions using PayWithIt. This topic describes how to connect readers to your Android device and verify the connection. Note: To confirm that the ID TECH UniMag Pro works with your mobile device and operating system, go to http://www.idtechproducts.com/products/mobilereaders/126.html or http://www.idtechproducts.com/products/mobile-readers/141.html and see the Compatible Hardware (OS version) table. To install the UniMag magstripe reader: 1. Plug with the Unimag Pro or UniMag Shuttle into the 3.5mm headset jack on your device. 2. On the your device's Home screen, tap, enter your User ID and Password, and then tap Login. The Powering Up UniMag message appears. To verify the connectivity of the reader from the Virtual Terminal screen at any time, check the device icon in the upper-right of the Virtual Terminal screen. The reader is connected. The icon indicates that the card swipe icon indicates that the card swipe reader is not connected. 2015 TrustCommerce Page 11
Running Payment Card Swipe Transactions PayWithIt for Android User Guide This procedure describes how to process secure preauth or sale transactions for credit, signature debit, and gift card transactions using PayWithIt and a supported mobile magstripe reader. Your PayWithIt settings determine whether your transactions are preauth or sale transactions (see Configuring PayWithIt Settings). Important: For the mobile magnetic stripe reader to properly read payment card data, the device volume must be set to maximum. To run a payment card swipe transaction: 1. On the Virtual Terminal screen, tap Credit Card. 2. Verify that the reader is connected. The icon indicates that the card swipe reader is connected. 3. Tap the Card Number box, and then slide the payment card through the reader. Note: There is a 20-second time limit to swipe a card through the reader. If you do not swipe a card within this limit, the card swipe action is canceled and the Timeout error. Please swipe card again message appears. To continue, tap OK and swipe the card again. 2015 TrustCommerce Page 12
4. Verify that the Card Number, Exp Date, and Name boxes are populated. The Card Number and Exp Date boxes are truncated to protect cardholder data. If the swipe was unsuccessful, tap OK to acknowledge the error message and swipe the card again. 5. Tap Amount, and then type the purchase amount. The decimal is automatically inserted (for example, if the purchase amount is $25, type 2500). 6. Complete any optional boxes, and then tap at the top of the screen to process the transaction. The Please select an action screen appears. 7. Tap an action type, and then tap Sale or Preauth. The Transaction Results screen appears. 8. Tap. The Please select an action screen appears. 9. Tap Done. The Virtual Terminal screen appears. Running Manual Payment Card Transactions This procedure describes how to manually process secure preauth or sale transactions for credit, signature debit, and gift card transactions using PayWithIt. When the payment card is present, it is recommended that you use an encrypted card swipe to capture the data. Swiping a payment card helps reduce manual entry errors. Also, merchants generally receive a better interchange rate for swiping cards that are physically present. To run a manual payment card transaction: 1. On the Virtual Terminal Credit Card screen, tap the Card Number box, and then complete the required Card Number, Exp Date, and Amount boxes using the on-screen keyboard. Note: The decimal is automatically inserted when typing an amount. For example, if the purchase amount is $25, type 2500. 2. Complete any optional boxes, and then tap at the top of the screen to process the transaction. The Please select an action screen appears. 3. Tap the action type, and then tap Sale or Preauth. The Transaction Results screen appears. 4. Tap. The Please select an action screen appears. 5. Tap Done. The Virtual Terminal screen appears. 2015 TrustCommerce Page 13
Running ACH Transactions The ability to accept checks electronically through the ACH (Automated Clearing House) Network depends on your TrustCommerce account settings. For assistance, contact your TrustCommerce Account Manager or a Solutions Consultant for details regarding ACH account settings. To run an ACH transaction: 1. Tap ACH. The Virtual Terminal ACH screen appears. 2. Tap each of the following boxes and type the required information: Routing Number Account Number Amount Note: The decimal is automatically inserted when typing an amount. For example, if the purchase amount is $25, type 2500. 3. Complete any optional boxes, and then tap at the top of the screen to process the transaction. The Please select an action screen appears. 4. Tap Sale. The Transaction Results screen appears. 5. Tap. The Please select an action screen appears. 6. Tap Done. The Virtual Terminal screen appears. Posting Preauth Transactions This procedure describes how to submit full-amount, preauth transactions for settlement (called postauth) using PayWithIt. As the amount of the transaction cannot be changed when posting via PayWithIt, use TC Vault to post a decreased transaction amount. If you need to increase a transaction amount, void the transaction and obtain a new authorization. FYI: You have up to 14 days to post a preauth transaction. To post a preauth transaction: 1. Tap, and then tap Logs, (or on a tablet, tap ). The Logs screen appears. 2. Tap the transaction to postauth. The Edit Transaction screen appears. 2015 TrustCommerce Page 14
3. On the Edit Transaction screen, tap. The Please select an action screen appears. 4. Tap PostAuth. The Transaction Info screen appears. 2015 TrustCommerce Page 15
Crediting Transactions This procedure describes how to use PayWithIt to credit transactions. To issue partial credits, use TC Vault. To credit a transaction: 1. Tap, and then tap Logs (or on a tablet, tap ). The Logs screen appears. 2. Tap the transaction to credit. The Edit Transaction screen appears. 3. On the Edit Transaction screen, tap. The Please select an action screen appears. 4. Tap Void. The Please select an action appears. 5. Tap Credit. The Transaction Info screen appears. 2015 TrustCommerce Page 16
Voiding Transactions This procedure describes how to use PayWithIt to void transactions before they are sent for settlement. Important: If your account is not enabled to process voids, an error message appears when attempting to void a transaction. For assistance, contact Client Services. You can only void transactions prior to the settlement time. To void a transaction: 1. Tap, and then tap Logs (or on a tablet, tap ). The Logs screen appears. 2. Tap the transaction to credit. The Edit Transaction screen appears. 3. On the Edit Transaction screen, tap. The Please select an action screen appears. 4. Tap Void. The Please select an action appears. 5. Tap Void. The Transaction Info screen appears. 2015 TrustCommerce Page 17
Capturing Signatures This procedure describes how to capture signatures for approved payment card (credit, signature debit, and prepaid cards) transactions using PayWithIt. Important: Signature captures are stored within the PayWithIt application and are not transferred to TC Vault. If you delete a transaction log from PayWithIt, this also deletes the signature capture. To capture a signature: 1. Run the card swipe or manual payment card transaction. 2. On the transaction results screen, tap Signature. The Signature screen appears. 3. Have the cardholder sign in the area provided using their finger or a stylus. 4. Tap to save the signature. The Transaction Info screen appears. 5. Tap. The Please select an action screen appears. 6. Tap Done. The Virtual Terminal screen appears. Sending Email Receipts Before the first use of the PayWithIt email receipts feature: You must set up a default email address on your Android device. The default email address appears in the From box when you send email receipts to customers. To set up a default email address, see the User Guide for your Android device. You must enable email receipts in PayWithIt settings (see Configuring PayWithIt Settings). To send an email receipt for the current transaction: 1. Process a transaction. 2. On the Transaction Info screen, tap. The Please select an action screen appears. 3. Tap Email. The Send mail screen appears. 4. Tap an email service and send the email receipt to one or multiple valid email addresses. 2015 TrustCommerce Page 18
To send an email receipt for a previous transaction: 1. Tap, and then tap Logs. The Logs screen appears. 2. Tap the transaction to send an email receipt for. The Edit Transaction screen appears. 3. On the Edit Transaction screen, tap. The Please select an action screen appears. 4. Tap Email. The Send mail screen appears. 5. Tap an email service and send the email receipt to one or multiple valid email addresses. Searching for Transactions PayWithIt allows you to search for transactions by card number, cardholder name, or Transaction ID. To search for a transaction: 1. Tap, and then tap the search box. 2. Type a Name, Card Number (last four digits), or Transaction ID, and then tap on the on screen keyboard. The Search screen appears. 2015 TrustCommerce Page 19
Viewing Transaction Logs To view a transaction log: 1. Tap, and then tap Logs, (or on a tablet, tap ). The Logs screen appears. 2. Tap to select a time period for transactions to view. The options are: All Today Yesterday Last 3 Days Last 7 Days This Month Last Month 3. Tap the transaction to view. The Edit Transaction screen appears. 2015 TrustCommerce Page 20
Viewing PayWithIt Transactions in TC Vault To view a PayWithIt transaction in TC Vault: 1. Go to https://vault.trustcommerce.com 2. Type your Customer ID and Password, and then click Login. PayWithIt for Android User Guide 3. On the left navigation menu, under Virtual Terminal and Reporting, click Reporting. 4. In the Transaction Details section, define the search criteria, and then click Chain Report. The Chain Report appears. 5. In the Transactions column, click the card icon to view a detailed transaction report. 6. In the ID column, click the transaction number to view the Transaction Report. 7. Click Printable Results to view the transaction results. The printable transaction results appear. 2015 TrustCommerce Page 21
Using Test Mode The Test Mode feature allows you to run test transactions in PayWithIt before going live. By default, Test Mode is turned OFF so you can begin accepting live payment transactions immediately. When Test Mode is turned ON, all transactions are processed in a TrustCommerce test environment. Important: Before accepting live payment transactions, make sure Test Mode is set to OFF. To turn Test Mode on or off: 1. Log in to PayWithIt, and then tap. 2. On the Settings screen, tap Gateway. 3. For the Test Mode function, select ON. 4. Tap to return to the Settings screen. Clearing Transaction Logs Each transaction processed using PayWithIt generates a log that is stored in the application and are also available on the TC Vault Reporting page. Clearing these logs from PayWithIt helps you manage the storage space on your device. To clear transaction logs from PayWithIt: 1. Log in to PayWithIt, and then tap. 2. On the Settings screen, tap Reset, and then tap Erase Transaction Logs. The Erase all Transaction Logs? screen appears. 3. Tap Erase. 2015 TrustCommerce Page 22
Required and Optional Processing Fields Required and Optional Fields Field Name Payment Type Notes Credit Card Number (Required) Payment cards only Minimum entry is 3 digits Maximum entry is 16 digits Exp Date (Required) Payment cards only Application automatically enters a forward slash (/) to separate 2-digit month and 2-digit year Correct format is 4 digits Routing Number (Required) Checks only Correct format is 9 digits Account Number (Required) Checks only Minimum entry is 3 digits No maximum entry limit Amount (Required) Both US dollars and cents using two decimal places Minimum entry is 3 digits (.01) Maximum entry is 8 digits (99999.99) 2015 TrustCommerce Page 23
Required and Optional Fields Field Name Payment Type Notes PayWithIt for Android User Guide CVV (Optional) Payment cards only Use for card not present or manual entry transactions to comply with security requirements and avoid noncompliance fees Also known as: CVV2 Visa Card Verification Value CVC2 MasterCard Card Validation Code CID Discover Card Identification Number CID/unique card code American Express Card Identification Number/unique card code Minimum entry is 3 digits Maximum entry is 4 digits ZIP Code (Optional) Payment cards only Enter a 5 digit or ZIP + 4 US ZIP Codes only Maximum entry is 20 characters Name (Optional) Payment cards and checks Card swipe via encrypted card reader auto-populates field Accepts alphanumeric entries including dashes, spaces, and special characters Maximum entry is 60 characters 2015 TrustCommerce Page 24
Required and Optional Fields Field Name Payment Type Notes PayWithIt for Android User Guide Custom Field (Optional or Required) Payment cards and checks Ability to view custom fields in TC Vault that are populated in PayWithIt. Depends on your TrustCommerce account settings Business-specific transaction identifier for searching and reporting (examples include membership or policy numbers, operator names, and various data types) Accepts alphanumeric entries including dashes, spaces, and special characters Maximum entry is 1024 characters 2015 TrustCommerce Page 25
Transaction Screen Fields and Values Once PayWithIt has processed a payment transaction (sale or preauth), the results appear on the screen. The following table lists the common fields and values returned for card swipe and manual entry payment transaction requests. FIELDS AND VALUES Transaction Screen Information Field Name Values Description Transaction ID Date/Time Varies per transaction; formatted as: xxx-xxxxxxxxxx Varies; formatted as: MM/DD/YY HH:MM A unique 13-digit identifier assigned to each transaction, regardless of transaction status The date and time the payment transaction is processed, based on the device s date and time settings (if applicable) Transaction Type Preauth, Sale, Void, or Credit The type of payment transaction submitted. Values are defined as: Preauth holds the funds on a cardholder s account until the final charge is submitted, which is usually 24 hours later (or more); this is only used for credit card transactions Sale finalizes (settles) the transaction the same day it is submitted; this is used for all forms of payment (credit/debit cards and ACH) Void cancels a sale, postauth, or credit before the transaction has settled. This means that the Void must be processed on the same day that the original transaction was created. Credit a credit can only be applied to approved postauths and sales, and only for an amount less than or equal to the authorized balance 2015 TrustCommerce Page 26
Transaction Screen Information Field Name Values Description Transaction Status Varies; (see Transaction Statuses) PayWithIt for Android User Guide The response to a payment transaction request Amount Varies The dollar amount of the requested payment transaction Account# Varies A truncated representation of the cardholder s credit/debit card number or the routing number if the payment is via check; values are defined as: Credit/debit card (manual or swipe) this type of entry displays only the last four digits of the actual account number; the preceding numbers are truncated using the letter X Checking account (ACH) this type of entry displays only the 9-digit routing number associated with the checking account being used for payment; the actual account number is not displayed Name Varies The name belonging to the cardholder or account holder; it is either captured from a card swipe or manually entered by an operator Custom Field Varies An optional, merchant-specific entry Authorization Code Varies; usually formatted as a 6- digit number A processor/issuer generated code assigned to the transaction indicating authorization or approval; merchant accounts must be configured to receive these codes 2015 TrustCommerce Page 27
Transaction Screen Information Field Name Values Description PayWithIt for Android User Guide Address Verification Y, A, Z, N, or U The Address Verification Service (AVS) response, if used, which helps verify the legitimacy of the cardholder, but does not guarantee that the payment transaction is valid; some values are defined as: Y Full match; both street address and zip code are valid. A Partial match; only the street address is valid. Z Partial match; only the zip code is valid. N No match. U Unavailable; address information cannot be attained for verification. For a more comprehensive list, see the AVS Response Codes section in the TC Link API Developer Guide Important: When the AVS option is turned ON, TrustCommerce only declines no match (N) responses. The merchant is responsible for decisions based on other return values. For example, if a payment transaction s AVS code response is unavailable (U), the merchant may want to research and confirm the cardholder information before shipping merchandise or allowing access to online products. 2015 TrustCommerce Page 28
Transaction Statuses Once PayWithIt has processed a payment transaction (sale or preauth), the results appear on the screen. Use the following table, which lists the common transaction status responses to payment transaction requests, to better understand the transaction information responses. TRANSACTION STATUS FIELD VALUES Value accepted approved authexpired avs baddata call carderror cvv declined error expiredcard Transaction Status Field Values Description The transaction is queued in the TrustCommerce system for processing without errors, but the issuer may reject the transaction at a later date; the acquirer is not guaranteed to receive the funds The transaction is authorized to charge to the cardholder s account; the issuer guarantees the transfer of funds during the settlement process to the acquirer A postauth transaction is being run on an expired preauth transaction (more than 14 days old) The Address Verification System (AVS) match failed; the address information entered does not match the issuer s information One or more fields contains an invalid entry; operator is notified of the baddata in the form of a message (see Error (baddata) Notifications) The operator must contact the payment card issuer via telephone for a manual authorization or other response The card number is invalid; this can indicate a manual entry error, bad card swipe (not read), or the card was reported lost or stolen The Card Verification Value (CVV) procedure has failed due to missing or incorrect information The transaction cannot be charged to the cardholder s account A system error occurred while processing the transaction The payment card s expiration date is invalid (past date or incorrect entry); if a current expiration date is not available, another form of payment is required 2015 TrustCommerce Page 29
Error (baddata) Notifications Before payment information is sent for processing, TrustCommerce validates the data. If a payment transaction field contains invalid information, a baddata error message appears. The field containing the baddata (known as the offender) is listed in the message. The notification message allows the operator to correct the invalid information and resubmit-the transaction. Some examples of invalid information are: Missing data (two digits of a three digit CVV code), or Incorrect data (transposed numbers or an incorrect date) The following table lists common baddata error messages and the recommended action. baddata Error Notifications baddata Message Offender Fields Action badformat field entry value is incorrectly formatted badlength field entry doesn t meet minimum, or exceeds the maximum, entry length requirements merchantcantaccept customer s account is not set up to process request cc (Card Number) exp (Exp Date) cvv (CVV) cc (Card Number) exp (Exp Date) cvv (CVV) routing (Routing Number) account (Account Number) media (ACH) cc (credit/debit card) Verify format requirements for the offender and correct the field data value (see Required and Optional Processing Fields) Verify field entry length requirements for the offender and correct the field data length (see Required and Optional Processing Fields) Contact your TrustCommerce Account Manager to enable the appropriate feature 2015 TrustCommerce Page 30
Frequently Asked Questions This topic provides answers to frequently asked questions. For further assistance, contact Client Services at (800) 915-1680, Option 3. What is the difference between a sale and a preauth? Which one should I use? A sale captures funds from the customer for transfer to the merchant within 2 to 14 days. No other actions are required. Use the sale action when the charge amount is final or when the customer has possession of the goods or services purchased. A preauth does not capture the funds for transfer. Instead, it reserves the dollar amount for the merchant. A preauth does not transfer money. Use the preauth action when the final charge amount is subject to change or the purchased merchandise is scheduled for shipment 24 hours or more after the initial transaction. To capture funds for transfer, the merchant submits a postauth once the final charge amount is determined or the purchased merchandise has been has shipped. Why can t I process transactions and/or why am I getting error messages when I try running payments? To process transactions, you need a cellular data network plan (device permitting) or a secure and trusted Wi-Fi connection. To correct the problem before running the transaction again: Check your signal strength. If a message like Could not connect to the server appears, you may need to move to an area with a Wi-Fi signal. Verify your Wi-Fi settings. If a message like The Internet connection appears to be offline appears, you may have lost your Wi-Fi signal. Why am I getting time out errors after running payment cards through the card swipe? For the mobile magnetic stripe reader to properly read payment card data, the device volume must be set to maximum. Set the volume to maximum and swipe the card again. 2015 TrustCommerce Page 31
Why isn't the card swipe processing transactions even though I can enter transactions manually? Verify that the device is connected directly to your device. Using a third-party product like an extension cable or dongle with the reader can weaken the signal between the reader and your device and prevent the reader from working properly. Important: TrustCommerce does not control, and is not responsible for, the compatibility, performance, reliability, or any other aspect, of third-party products used with the PayWithIt application and a supported reader. It is your responsibility to determine whether to use third-party products. Verify that such products do not interfere with the connection between the reader and your device. For assistance with third-party products, contact the third party directly. 2015 TrustCommerce Page 32
Updates and Revisions This topic describes the history of updates and revisions to the PayWithIt for Android Devices User Guide. Date Version Comments 03/31/15 1.0.0 First Published. 2015 TrustCommerce Page 33