MiPaymentChoice - Merchant User Guide

Overview

By using the Gateway, the administrator users can manage their accounts with little more than a few keystrokes and mouse clicks. Through an intuitive graphical user interface, an administrator can set up new accounts and modify or delete existing ones. In turn, merchants can upload POS transactions from their terminals and capture images of signed sales drafts. As a result, merchants no longer have to hold copies of these transactions for retrieval requests. Instead, the images are housed on the web and available to the merchant by using a web browser. Additionally, merchants also have access to manage accounts at the user level within their merchant accounts. This versatility thus not only supports a wide level of account management, but also reduces the need for administrator involvement in routine and simple adjustments to the merchant account.

In addition, the Gateway provides tools to customize logos and contact information, which locate on the Gateway web pages viewable to every user. In this way, while maintaining a professional business presentation, an administrator can conveniently provide merchants with vital contact information. This documentation targets individuals who will monitor the Gateway system on a regular basis. Some knowledge of basic system administrative principles is a plus. For an administrator, although prior experience with system administration is not required, it will help facilitating installation and maintenance of the payment server.

1. ↑ Managing user accounts is dependent on the merchant’s assigned security permissions.

Beginning to Use the Gateway

In this introductory chapter, you will learn the basics on how to use the Gateway for payment processing. The topics covered include the payment server’s logon process, graphical user interface (GUI), and user account management. To begin using the Gateway, you must first logon to the system.

1. Open your internet browser
2. Type the Uniform Resource Locator (URL) for the payment server login page in the Address field (https://mipaymentchoice.com/paygate/login.aspx). Consult the system administrator if you are unsure of the correct URL and the login page for the Gateway should open (shown below)
3. Input your username in the Username field
4. Input your password in the Password field
5. Click Log In (the Click here if you forgot your password option sends the password for whichever users are configured with your email address)

Note: If this is your first time logging on to the payment server, you will be required to change your password.

Creating Transactions with Virtual Machines

Virtual Terminals allow you to process various transactions on credit card, debit card, check, and gift card. The transaction types include Sale, PreAuth (pre-authorization), ForceAuth(post-authorization), Void, Return, etc. This chapter describes how to process each type of transaction, grouped by the payment methods: Credit Card, Debit Card, Check, and Gift Card. In general, when filling out the transaction forms (illustrated as screenshots in this chapter), be aware that the industry type of your merchant account, such as retail or e-Commerce, has different requirements on certain fields to be populated or not. For example, some payment processors do not require an address for a retail transaction, but require for an e-Commerce one. Consult your service provider if you are unsure of these requirements.

To process retail transactions, you will need various devices, such as card reader, PIN pad, and check reader.

Note: The only PIN pad supported by the Virtual Terminal is the Verifone PinPad 1000se.

Batches and Settlement

In this chapter, we will discuss the payment server’s batch and settlement features, mainly, Current Batch, End of day, and Batches. These features are there for merchants with terminal-based payment processors. Terminal-based processor requires merchant to store the authorized transactions locally until the merchant captures and submits them for settlement. Remember that if you have payment options that are host-based, you will not see these features for those payment types.

A batch is a collection of transactions. Usually a merchant has one batch per day or per shift.  Batch has two types: open batch and closed batch. An open batch, or currentbatch, is a batch that has not yet been settled. On the contrary, a closed batch is a batch that has already been settled. To submit/settle the transactions in the current batch, the End of Day function comes into place.

Transaction Reports

Transaction Reports displays transactions that are processed through the Gateway. Inside the folder, transactions are grouped by payment types: credit, debit, gift, EBT and check. They can also be image-attached, such as check image and signature image. Furthermore, you can process post-auth, repeat sale, return/refund, and void through Find Transactions, based on the transactions you can locate in Transaction Reports.

Recurring Billing

The Recurring Billing functions allow merchants to bill customers on a recurring basis. Each day, a batch process runs automatically and processes all the recurring transactions scheduled for that day. This chapter describes how to set up a customer’s recurring billing, including: add a recurring billing customer, add a payment method for the billing,and configure the recurring billing contract.

Card Safe

Add a Card

1. Click the Card Safe menu
2. Click the Add a Card link and a screen appears similar to the example shown below (Note: There must be an existing stored customer to save the card information.
3. Select the customer from the Select a Customer drop down list
4. Select the card type from the Card Type drop down list
5. Enter the card number in the Card Number field (do not use spaces or dashes when entering the card number
6. There are 2 options for Token Mode
   1. Default – Returns a returns a CCInfoKey for the card data
   2. CardFormat – Returns a randomly generated number in the format of a credit card number matching the card type of the actual card
7. Enter the card’s expiration date in the Expiration Date field (use the MMYY format, so 02/12 becomes 0212)
8. Enter the name as it appears on the card in the Name On Card field
9. Enter the billing address for the card in the Address field
10. Enter the billing city for the card in the City field
11. Enter the billing zip code for the card in the Zip field
12. To perform a $.01 authorization on the card (this will verify the card is active), click the Perform $.01 Auth button. The result of the authorization will display next to the button
13. To save the card information, click the Save button
14. If at any time you need to update or remove the card information, you can use the features in the View Safe screen

Add a Customer

This will allow you to securely store customer information

1. Click the Card Safe menu
2. Click the Add a Customer link and a screen appears similar to the example shown below
3. Enter the customer’s name in the Customer Name/Description field
4. Enter the merchant defined customer ID in the Customer ID field
5. Enter the first name of the customer in the First Name field
6. Enter the last name of the customer in the Last Name field
7. Enter the customer’s title in the Title field
8. Enter the customer’s department in the Department field

To enter the contact information for the customer, click the Contact tab

1. Enter the customer’s email address in the Email field
2. Enter the customer’s daytime phone number in the Daytime Phone field
3. Enter the customer’s evening phone number in the Evening Phone field
4. Enter the customer’s fax number in the Fax field
5. Enter the customer’s mobile phone number in the Mobile field
6. Enter the customer’s shipping address information in the Shipping Addressfields. If the billing address is the same as the shipping address, check the Shipping and Billing Address are the same check box. Otherwise, enter the customer’s billing address information in the Billing Address fields
7. Click the Save button to save the customer’s information. This will take you to the View Safe screen

View Safe

This shows you a report of all the stored customer and card information. This includes information entered in the Recurring Billing section.

1. Click the Card Safe menu
2. Click the View Safe link and a screen appears similar to the example shown below
3. This report will display all stored customers for the merchant, including ones entered through the recurring billing section
4. To search for a specific customer, fill out any information in the fields below the column names
5. To view/edit customer information, click the Customer Key link associated with the customer. A screen will appear similar to the one shown below
6. To view any stored cards for the customer, click the Cards tab. A screen will appear similar to the one shown below
7. To charge the stored card, click the Charge link. You will be redirected to the virtual terminal with the stored card information prepopulated
8. To add card information for this customer, click the Add a Card button. This will take you to the Add a Card section