The following is a Quick Reference Guide to the features and options available to you in your payment gateway:
MERCHANT CONSOLE QUICK REFERENCE GUIDE
Important gateway-specific announcements such as maintenance, outages, updates and new products.
Enter transaction information for quick and easy processing. The Sale window is where you will charge your customer’s credit card. You must enter the correct cardholder billing information and create an invoice number in order to get the best rate. Credit is a manually entered refund (blind credit), Void is a cancellation of a transaction, Auth Only will pre-authorize a card to reserve funds to be charged later and Post Auth manually posts an existing authorization code.
Sale Form has the same functionality as the vTerminal but allows you to input an alternate shipping address and add comments to store in the gateway’s database for future tracking and reporting purposes.
Set up automated billing cycles to charge a specific dollar amount on a customer’s card according to the automated schedule of your choice. This feature is only available in the Platinum package.
When setting up a new customer, Start is the record setup date, Next is the date of the first automatic payment, and Num Left is the number of billings remaining (set to * for infinite). If a Due Next date does not exist (e.g., Feb 31st), the transaction will be billed on the first day of the next month.
Review your approved transactions pending settlement. To view a previous batch, use the dropdown menu, select the batch date you would like to view, and click the View button. Transactions in an open batch can be voided so the card is not charged, whereas transactions in a closed batch have already been charged and require a credit.
Batches should be closed daily to receive funds in a timely manner and avoid transaction downgrades. It is not necessary to close your batch more than once every 24 hours.
If a transaction is not successful, it will not be placed into a batch. Errors and declines can be viewed in the Reports section. Authorize-only transactions are stored in Queued Transactions.
Take advantage of pre-made reports for details and statistics related to all your transactions processed through the gateway. You can look at Sales, Declines and Errors. Sales reports will display data for only approved transactions. A decline occurs when the credit card is declined by the card-issuing bank whereas an error indicates there is a problem with the transaction. Most common errors are invalid card numbers (typo or missed digit) or transactions stopped by your fraud tools. Transactions verified by the bank but stopped by your fraud tool may still be assigned an authorization code that reserves the authorized amount for your business. In addition to pre-made reports, Platinum package users can also create customized reports.
Query the database for any transaction matching the criteria you enter. Use Search Database to locate any transaction matching or containing the entered criteria. Use Advanced Search to narrow the results.
Change console settings, set up customer receipt settings, create or edit additional users, access existing and create new source keys, and change passwords.
View and change settings to prevent and block credit card fraud from occurring on your merchant account. The default settings are recommendations for your protection but are no guarantee against chargeback or fraud liability. Each merchant is responsible for monitoring their transaction activity. Any time a transaction seems questionable, please call us at 1-800-838-9699 and we can help you make the best decision for your business.
You may change settings to better accommodate your business by clicking the Settings button next to a specific fraud module on the Fraud Center tab. Tools added under Universal Fraud Modules will apply to all transaction sources or you can apply certain tools to specified sources.
- AVS Response checks to see if the transaction billing address matches the card-issuing bank billing address.
- Block By Host or IP Address blocks transactions based on a specified single IP, host or domain.
- Card ID Checker checks the 3-digit security code on the back of the card.
- Card Types only allows card types listed. Note: This is just a filter. Your merchant account dictates what types of cards you can and cannot accept.
- Credit Card Blocker checks the card number against a list of known bad card numbers and declines the transaction if the card is found.
- Country Blocker blocks or allows transactions based on the country or region where the customer’s IP address is based.
- Duplicate Detection prevents duplicate orders most often resulting in double clicks or browser timeouts.
- Email Blocker blocks web mail servers or specific email addresses and domains.
- Fraud Profiler performs a real-time risk assessment resulting in a score and you set a threshold for when transactions are blocked. Note: Additional software is required to run this tool.
- Multiple Credit Cards blocks a customer by invoice number, order ID or IP address if a specified number of cards are attempted and declined a specified number of times during a specified time period.
- Transaction Amount defines minimum or maximum allowable transaction amounts.
- Zip Code Verifier verifies the billing or shipping zip code matches either the state, city or area code entered.
The default settings on your address verification fraud module are configured for domestic billing addresses only. Cards issued outside of the United States do not allow for the same type of fraud monitoring and pose a higher risk for fraud. If you would still like to allow address verification on international billing addresses after being advised of the risks, you will need to adjust your AVS Response module accordingly. International transactions should not exceed more than 5% of the total sales volume or your merchant account could be flagged and potentially closed by your processing bank's Risk Management Team.