Global Iris Virtual Terminal User Guide. October 15
Table of Contents 1 About This Guide... 3 1.1 Purpose... 3 1.2 Audience... 3 1.3 Related Documents... 3 1.4 Terminology... 3 2 Global Iris Virtual Terminal... 4 2.1 Log In... 5 2.2 Processing a Card Payment... 6 3 HomeCurrencyPay on the Virtual Terminal... 12 3.1 Introduction to HomeCurrencyPay... 12 3.2 HomeCurrencyPayCustomer Selection before Authorisation... 12 2
1 About This Guide This section outlines the purpose and aim of the guide, target audience, any source materials or terminology used, and a general document description. Please note that this document is regarded as confidential and is for customer use only. It has been supplied under the conditions of your Card Processing Agreement. 1.1 Purpose The purpose of this guide is to provide all of the details required to use the Global Iris Virtual Terminal. 1.2 Audience The target audience for this guide is merchants who take card payments over the telephone or by mail order. 1.3 Related Documents In addition to this guide, you can also refer to the following additional documents: Global Iris RealAuth Response Codes Global Iris RealControl User Guide. 1.4 Terminology Term Account Authorisation AVS Address Verification System Batches Card Processor Decline Pending Rebate Refund Settled Settlement Transaction Variable Ref Description The account used to collect card transactions on Global Iris. (It is possible to have multiple sub accounts set up on your main account, all account names set up will be displayed in a drop down box. The process of submitting the request to the card issuer for authorisation via HSBC Merchant Services. The numerics of an address sent in with an authorisation. This is used to validate the address of a card holder. It is broken into two fields; House/Apt numbers and post code numbers. The process of collecting all valid authorisations for your account and submitting these to HSBC Merchant Services for settlement. HSBC Merchant Services. This is a response that you can receive when a transaction is sent for authorisation. When an authorisation is declined, this means that the issuing bank of the cardholder have decided not to allow the transaction to go ahead. Payment will not be taken from the card. All transactions that have not yet been settled: These may be transactions that: are waiting to be settled by Global Iris automatically (occurs at midnight every night); or need to be manually settled by you. Similar to refund except that it is dependent on an original authorisation. The amount can be up to 115% of the original amount. You can rebate a transaction for up to 90 days from when the original transaction took place. A transaction that refunds monies to the cardholder and will debit your account - it is processed in the same way as an authorisation. A refund is not dependent on an original transaction. Batches of transactions that have been sent to the HSBC Merchant Services for settlement are known as "settled" transactions. When HSBC Merchant Services pay/move the funds into your nominated account. A request for a credit or debit card authorisation or refund. A reference that you can send to us during the authorisation request process. 3
2 Global Iris Virtual Terminal Global Iris Virtual Terminal is a solution for merchants taking card payments over the telephone or mail order, either in a small office or a larger operation such as a call centre. The Virtual Terminal application allows your agents to enter card details and order information, then authorise the card for payment. This chapter describes the following: Log In Processing a Card Payment 4
2.1 Log In You can access the Global Iris Virtual Terminal by visiting: https://vt.globaliris.com The Log In screen is displayed. To Log In 1. In the Company field, enter your company name as supplied by the Global Iris support team. 2. In the Username field, enter your username. 3. In the Password field, enter your password. 4. Click log in. Note: These screen shots are for a sample merchant. 5
2.1 Processing A Card Payment Once valid login details are entered the Card Payment Screen is displayed. Note: See the table 1 below for valid entries to each field on the screen. 6
To Process A Card Payment: 1. In the Cardnumber field enter a valid card number. When entered, the corresponding Card Scheme logo will appear. 2. In the Expiry Date field, enter a valid month and year. 3. In the Cardholder Name field, enter the cardholder name as it appears on the card. 4. In the Security Code field, enter the 3 or 4 digit Security Code that is found on the back of the card. 5. From the Security Code drop-down list, select the status. This will default to present. 6. In the Amount field, enter the value of the transaction and select the relevant currency from the drop-down menu. 7. In the Account field, select the correct sub-account name from the drop down menu. 8. In the Product field, enter a product code. 9. In the Customer field, enter a customer number. 10. In the Var Ref field, enter a reference. 11. In the House/Apt Number field, enter the numerics of the house/apartment number. If you enter characters that are not 0-9 these will be removed. 12. In the Post Code field, enter the postcode. If you enter characters that are not 0-9 these will be removed. 13. In the Address field, enter the full address, with commas to separate the different lines. 7
This screenshot shows the completed Card Payment screen. Click Authorise. This authorises the card and processes the payment, should the Card Issuer approve the transaction. 8
Table 1. Data Entry Field Definition Field Format Length Order ID a-z A-Z 0-9 1-40 Cardnumber 0-9 12-19 Expiry Date MM 01-12 2 Expiry Date DD 01-31 2 Cardholder Name a-z A-Z " " - ' 1-50 Security Code 0-9 3 or 4 Amount 0-9 1-8 Account a-z A-Z 0-9 _ "" 1-50 Cust Num a-z A-Z 0-9 "" - _., + @ 0-50 Address a-z A-Z 0-9 "" - _., + @ 0-50 0-50 Prod ID a-z A-Z 0-9 "" - _., + @ 0-50 0-50 Var Ref a-z A-Z 0-9 "" - _., + @ 0-50 0-50 House/Apt Number 0-9 0-50 Post Code 0-9 0-50 9
Authorised Response If the card is authorised for the payment, a message is displayed showing the result of the Authorisation. It can contain the Result Message and corresponding Code, the Authorisation Code, Security Code Result, AVS House/Apt Number Result and AVS Post Code Result. Click Clear to clear the screen, making it ready for a new card payment. 10
Declined Response If the request for authorisation is declined by the Card Issuer a declined message is displayed. 11
3 HomeCurrencyPay on the Virtual Terminal 3.1 Introduction to HomeCurrencyPay The HomeCurrencyPay service allows merchants to offer international cardholders the choice of paying for goods and services in the cardholder's home currency or the merchant s base currency. The currency conversion features are available across the Global Iris range of online and integrated solutions. The HomeCurrencyPay service is provided by Global Payments. The HomeCurrencyPay solution allows merchants to share in the foreign exchange margin normally recognised by card issuers and card schemes. With the HomeCurrencyPay solution, merchants can benefit from additional revenue in a foreign exchange risk free environment as all FX risk is absorbed by Global Payments. The currency conversion features are multi-channel and can be easily integrated to an internet or call centre environment. The currency conversion process available via the Global Iris system is as follows: HomeCurrencyPay with Customer Selection before Authorisation This is outlined below. If you have any queries please contact us on 0345 702 3344 for further information on these options. 3.2 HomeCurrencyPay Customer Selection before Authorisation This service offers the cardholder the option to select their card billing currency as the payment currency and fix the foreign amount of the transaction to be charged to their card prior to the actual authorisation through the Virtual Terminal. For example, say you are selling an item for 100. Without a HomeCurrencyPay enabled solution, a customer from the Australia will be paying in GBP, and will see something similar to this on their credit card statement: 13/03/2014 TEST MERCHANT UK 100.00 GBP @ 2.4538 AUD/GBP $245.38 As you can see the customer will not know what amount they are going to be charged in Australian Dollars until they get their statement, and it is the bank that issued their card that controls the foreign exchange. With a HomeCurrencyPay -enabled solution, the customer again shops with you. After the agent enters their card number and hits the authorise button the below is displayed: 12
The merchant will have to read this to the customer to ensure they are offered the choice - either they can continue with the GBP transaction as above (GBP- base currency of the merchant), or they can select to continue in their own currency. 13
The Virtual Terminal will display the following results to the merchant: If they choose the US Dollar amount, then they will see the following on their statement: 13/03/2014 TEST MERCHANT UK 245.38 $245.38 As you can see the amount charged to the cardholder s card is exactly the same amount as they were offered during the HomeCurrencyPay process. HomeCurrencyPay gives cardholders choice, certainty and peace of mind when making an international transaction, which can help reduce disputes. The merchant and Global Payments now determine the foreign exchange rate rather than the issuing bank and card schemes. The merchant continues to receive settlement in their base currency (GBP) and receive their guaranteed share of the HomeCurrencyPay revenue at the agreed frequency. 14
Global Payments 51 De Montfort Street Leicester LE1 7BB Tel 0845 702 3344* Textphone 0845 602 4818 Email globaliris@realexpayments.com Global Payments is HSBC s preferred supplier for card processing in the UK. Global Payments is a trading name of GPUK LLP. GPUK LLP is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (504290) for the provision of payment services. GPUK LLP is a limited liability partnership registered in England number OC337146. Registered Office: 51, De Montfort Street, Leicester, LE1 7BB. The members are Global Payments U.K. Limited and Global Payments U.K. 2 Limited. Service of any documents relating to the business will be effective if served at the Registered Office. *Lines are open between 9am 5pm Monday to Friday excluding public holidays. To help us continually improve our service and in the interests of security, we may monitor and/or record your telephone calls with us. Any recordings remain our sole property. We also provide a Textphone service on 0845 602 4818. GPUK LLP. All rights reserved. GP023 02/2013