DalPay Internet Billing Penny Auction Merchant Boarding Guide Version 1.1 Last revision: 01/07/2011 Page 1 of 11
Version 1.1 Last revision: 01/07/2011 Page 2 of 11
REVISION HISTORY... 4 INTRODUCTION... 5 SUPPLIER ACCOUNT FEATURES... 6 DIRECT MERCHANT ACCOUNT FEATURES... 6 DALPAY CERTIFIED PENNY AUCTION PLATFORMS... 7 DALPAY CHECKOUT INTEGRATION... 8 DALPAY DIRECT INTEGRATION... 8 WHICH INTEGRATION METHOD FOR MY PENNY AUCTION SITE?... 8 FIGURE 1: SUPPLIER ACCOUNT BOARDING PROCESS... 9 FIGURE 2: DIRECT ACCOUNT BOARDING PROCESS... 10 CONTACT DALPAY... 11 Version 1.1 Last revision: 01/07/2011 Page 3 of 11
Revision History Version Date Change Notice Pages Remarks Released Affected 1.0 Jan 1, 2009 First release All PCI DSS 1.2 applies 1.1 July 1, 2011 Introduction update, Supported platforms p. 5, 7 PCI DSS 2.0 applies The latest version of this document can be downloaded here: https://www.dalpay.com/en/support/dalpay_penny_auction_boarding_guide.pdf Version 1.1 Last revision: 01/07/2011 Page 4 of 11
Introduction This boarding guide gives an overview of the boarding process for new DalPay merchants from initial application to processing of live transactions. If you are an established business with at least 6 months processing history and sales of at least USD 40,000 per month you will qualify for a direct merchant account. (An operating company within the EU/EFTA is required.) If you are a startup business with business plan, or site with less than USD 40,000 per month in sales, you qualify for a supplier account. (Companies from all countries* accepted.) Sole traders are not accepted for penny auction accounts. The boarding process differs between account types. Typical boarding time for supplier accounts is 48-72hrs. For direct accounts it is 2 weeks. DalPay Supplier Account Boarding Process 1. Submit application online. 2. Receive rate offer (typically within 48hrs). 3. Pay Account Compliance Fee (USD 1 or equivalent). 4. Complete DalPay profile online. 5. Install DalPay Checkout payment module or custom integration. 6. Complete website content (terms and conditions, etc.) 7. Sign-off of website and test orders by DalPay Risk Department. 8. Go live to accept payments. 9. FedEx profile and supporting documents to DalPay. 10. Receive wires weekly, two weeks in arrears. DalPay Direct Merchant Account Boarding Process 1. Submit application form. 2. Receive rate offer (typically within 1 week). 3. Sign merchant agreement and pay application fee (USD 300). 4. FedEx merchant agreement plus supporting documents to DalPay. 5. Sign-off of supporting documents by acquiring bank. 6. Install DalPay Direct payment module or custom integration. 7. Complete website content (terms and conditions, etc.). 8. Sign-off of website and test orders by acquiring bank. 9. Go live to accept payments. 10. Receive wires weekly, one week in arrears. *Exceptions are countries under sanction, and designated high risk countries. Version 1.1 Last revision: 01/07/2011 Page 5 of 11
Supplier Account Features Businesses Supported Startup businesses accepted Operating Company All countries Processing History Required Not required Business Plan Required Yes if no processing history Minimum Sales Per Month Startup businesses accepted Minimum Amount Wired Weekly USD 500/GBP 300/EUR 400 Average Rate Offer 4.9% plus USD 0.40 per transaction Toll Free Support by Merchant Not required but recommended Toll Free Billing Support Provided by DalPay Anti-fraud Scrubbing Provided by DalPay Inter-regional Liability Shift Protection (Visa and MasterCard) Yes for all 3-D Secure attempts even if card is not enrolled* Apply Here: https://www.dalpay.com/en/application.html Direct Merchant Account Features Businesses Supported Established businesses Operating Company EU/EFTA company (UK, Cyprus etc.) Processing History Required 6 months of processing history Business Plan Required Yes Minimum Sales Per Month USD/GBP/EUR 40,000 Minimum Amount Wired Weekly USD/GBP/EUR 1,000 Average Rate Offer 4.4% plus USD 0.40 per transaction Toll Free Support by Merchant Required Toll Free Billing Support By merchant Anti-fraud Scrubbing By merchant Inter-regional Liability Shift Protection (Visa and MasterCard) Yes for all 3-D Secure attempts even if card is not enrolled* Apply Here: https://www.dalpay.com/en/merchant_account/dalpaymerchantapplication.doc DalPay s own PCI DSS Level 1 certified platform (the highest level of payment service provider compliance) acts as gateway and processor for both solutions. *Verified by Visa or MasterCard SecureCode. If a US cardholder is not enrolled for 3-D Secure you still receive the same chargeback protection as if they were, for both Visa and MasterCard transactions. Version 1.1 Last revision: 01/07/2011 Page 6 of 11
DalPay Certified Penny Auction Platforms The following platforms are technically certified for DalPay Checkout and DalPay Direct. Accelerated boarding is available for these platforms, potentially reducing technical integration time to 24 hrs or less. Scriptmatix phppennyauction http://www.phppennyauction.com/ Innosoft Penny Auction Code http://www.pennyauctioncode.com/ Digital Fruit Penny Auction Software http://www.digitalfruit.ee/penny+auction+sof tware/id/57/ Other platforms are supported, but accelerated boarding may not be available. (We are integrated with several privately licensed white label penny auction solutions available to higher volume sites. Inquire to integration@dalpay.com.) Up to two hours of integration support over Skype is provided free of charge to help you to integrate DalPay with your site and complete website compliance. Expedited technical support for custom integration with non-certified platforms is charged at our usual rate of EUR 80 (approx USD 100) per hour with a two hour minimum. Version 1.1 Last revision: 01/07/2011 Page 7 of 11
DalPay Checkout Integration DalPay Checkout is our hosted payment processing solution that securely handles all steps in processing a transaction, including: Collection of customer payment information through a secure hosted form, Generation of a receipt page with a copy to the customer by email, Secure transmission to the DalPay payment gateway for transaction processing, Secure storage of cardholder information according to the PCI DSS. DalPay Checkout does not require merchants to collect, transmit or store sensitive cardholder or bank account information to process transactions. DalPay Checkout is equivalent to Authorize.net s SIM (Server Integration Method) or Simple Checkout. DalPay Direct Integration DalPay Direct is our most flexible payment processing solution that gives the merchant control over all the steps in processing a transaction, including: Collection of customer payment information through a custom application, Merchant side generation of a receipt to the customer, Secure transmission to the DalPay payment gateway for transaction processing, Secure storage of cardholder information according to the PCI DSS. DalPay Direct is equivalent to Authorize.net s AIM (Advanced Integration Method). Which Integration Method For My Penny Auction Site? Integration varies case by case, but in general if you are a startup business you will implement a payment module for DalPay Checkout. If you are an established penny auction site you will implement DalPay Direct. Version 1.1 Last revision: 01/07/2011 Page 8 of 11
Figure 1: Supplier Account Boarding Process Version 1.1 Last revision: 01/07/2011 Page 9 of 11
Figure 2: Direct Account Boarding Process Version 1.1 Last revision: 01/07/2011 Page 10 of 11
Contact DalPay 1-888 552 3852 dalpaysupport Office Hours 9am-4pm GMT Mon-Fri. DalPay is a division of Snorrason Holdings, a privately held company headquartered in Dalvík, Iceland. Kennitala: 570305-0180 (Icelandic Enterprise Registrar) D&B DUNS Number: 366203045 Our Office at "The Harbour Square Building", Hafnartorg, Dalvík, Iceland: Version 1.1 Last revision: 01/07/2011 Page 11 of 11