PM Payment Terminal

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Overview

• This screen is where you process new electronic payment transactions, or view information about an existing customer's previous transactions.
• It is also opened by the Payment Module buttons on the Payment tabs of the Stone Edge Manual Orders, Process Orders, and POS screens.
• The fields on the New Payment and Existing Payment tabs change depending on the type of transaction being performed and the supported features of the payment processor.
• Select a vertical tab to toggle the view between the Billing and Shipping address information associated with a payment transaction, or to switch between entering New Payment information and viewing Existing Payment information.
• The selected tab is shaded in dark green.

Description of the screen

Billing Tab

• customer's billing information is pre-populated in the fields on this tab if the Pay Source The point of origin of the payment transaction. You can directly create a payment transaction in the Payment Module, but the most common pay sources are Stone Edge Manual Orders, POS or a specific shopping cart. is Stone Edge , otherwise you must enter this information manually

Name

• displays the full name of the customer associated with the payment vehicle, such as the credit card, debit  card or eCheck

Company

• if available, displays the name of the Company associated with the payment vehicle

Phone

• displays the phone number associated with the payment vehicle

Email

• displays the email address associated with the payment vehicle

Address 1

• displays the building number and street name associated with the payment vehicle

Address 2

• displays secondary address information associated with the payment vehicle, such as Suite or PO Box

City/State

• the first text box contains the name of the city associated with the payment vehicle
• the adjacent field contains the state or province associated with the payment vehicle

Zip/Country

• the first field contains the zip or postal code associated with the payment vehicle
• the adjacent field contains the country associated with the which the payment vehicle

Shipping Tab

• customer's shipping information is pre-populated in the fields on this tab if the Pay Source is Stone Edge , otherwise you must enter this information manually

Name

• displays the full name of the recipient to whom the goods are shipped

Company

• if provided, displays the name of the Company to which the goods are shipped

Phone

• displays the phone number associated with the recipient

Email

• displays the email address associated with the recipient

Address 1

• displays the building number and street name of the shipping destination

Address 2

• displays secondary address information of the shipping destination, such as Suite or PO Box

City/State

• the first text box contains the name of the city of the shipping destination
• the adjacent field contains the state or province of the shipping destination

Zip/Country

• the first field contains the zip or postal code of the shipping destination
• the adjacent field contains the country of the shipping destination

Copy to Billing/Shipping Addr

• this link copies the address information entered on one tab to the other tab

Close

• exits the Payment Terminal without processing a payment
• when a payment transaction is completed successfully, this screen closes automatically

Reset

• clears user-entered data currently on this screen and allows you to start over again

Balance Due/Credit/Paid ($)

• amount of the balance due, credit due, or payment made for the current transaction

Amount ($)

• enter the amount to authorize, charge or credit
• when the  the Pay Source is Stone Edge this field is pre-populated
• when an Authorization, Sale or Capture is executed, the program expects a positive value in this field or an invalid payment amount error is issued
• when a credit is executed, the program expects a negative number in this field or an invalid payment amount error is issued

Currency

• denotes the unit of currency associated with the current payment vehicle
• this data is purely informational, no conversion of currency units is performed by the program

New Payment Tab

Account

• if the Pay Source is Stone Edge , the name of the Primary payment account a collection of information related to a specific business arrangement between a merchant and a third party used to obtain compensation for products or services. Introduced with MCPM 1.0 and SE Version 7.1. May also be referred to as a Payment Processor Account or Gateway. is pre-selected, but it can be overridden

• payment accounts are created and managed on the Payment Account Assignment and Add or Edit Payment Gateway Account screens
• to configure a specific payment account, refer to the Knowledge Base topic for that payment gateway for more information about its unique requirements
• at least one payment account must be defined within the program, before the "action" buttons are enabled    

Payment Method/Reference Transaction

• this section of the screen shows Payment Method information unless you are processing a new payment using a reference transaction

Payment Method

• displays a list of online payment methods defined in the application

• the payment method provided by the payment source (for example, a Stone Edge order) is selected by default, but you can override it here
• the fields adjacent to the Payment Method list change depending on the payment vehicle of the selected Payment Method, such as credit card, debit card or eCheck

Reference Transaction

• displays information about the reference transaction selected through the Customer Reference Txn button and allows you to change your selection of a reference transaction by clicking the Cancel Reference Txn button

Credit/Debit Card Information Fields

Customer ID:

• the number assigned to the Stone Edge customer record

Order Number

• the number assigned to the Stone Edge order record

Acct Name

• the name of the card holder as it appears on the physical card
• this field is populated automatically when using a magnetic card reader

AVS Addr

• the address of the card holder as it appears on the physical card

AVS Zip

• the zip or postal code of the card holder as it appears on the physical card

Card #

• the number of the card holder account printed on the card
• this field is populated automatically when using a magnetic card reader

Card Expiry

• the expiration date printed on the physical credit or debit card
• this field is populated automatically when using a magnetic card reader

CVV2

• normally a three digit security code associated with the account, printed on the physical credit card, to provide increased protection against fraud
• CVV Card Verification Value is a security feature for credit card or debit card transactions to provide increased protection against credit card fraud. stands for Card Verification Value

Issue#

• this information is usually only needed for UK credit/debit cards, such as Delta, Electron, Switch (Maestro), or Solo
• those payment processors usually require either the Start Date or the Issue #, but not both values
• it indicates the sequence, or issue number of the card (multiple cards issued for a single payment account)   

Start Date

• this information is usually only needed for UK credit/debit cards, such as Delta, Electron, Switch, or Solo
• the credit card processors usually require either the Start Date or the Issue #, but not both values
• indicates the date the card becomes valid
• use the Calendar icon to enter a value in this field

Calendar Icon

• opens an electronic calendar where you can select the Start Date

Auth Code

• authorization code provided by the payment processor (pre-approval number) for a transaction

• this applies to pre-approval or return of big ticket items

• see Voice Capture

Swipe Card/Card Read/Card Expired/Card Error

• when the Payment Terminal is first opened this label reads Swipe Card; no action is required before swiping the card
• when a card is read successfully, the label changes to Card Read and the Acct Name, Card #, and Card Expiry fields are locked, indicated by the slight change in background color  
• if a card is past its expiration date, the label changes to Card Expired
• clicking the label clears the data in the credit card information fields, and the label changes back to Swipe Card

Enter PIN

• this button is only applicable to Debit transactions
• you must have the proper hardware connected to the workstation and configured for this button to be enabled
• click this button and have the customer enter their PIN number
• external PIN pads provided by a payment gateway are not supported here, those payments must be manually logged in Stone Edge

Customer Reference Txn

• select this button to see a list of the customer's previous transactions which may be used to perform a new payment transaction
• by default, the transactions displayed are selected by Customer ID; use By Name to produce the list by customer name; if you have transactions from more than one SE store in the Payment Module's database, you can also search for a customer's transactions from All Stores in addition those processed through the current store file
• this applies to payment gateways which support reference transactions or provide a token that represents the cardholder account information which is stored at the payment processor (for example, AuthNet CIM)

By Name/All Stores

• used to filter the tokens or transactions listed in the Transaction Review screen
• if By Name is selected, All Stores also becomes visible for those customers who use multiple SE store data files

eCheck Fields

Account

• Checking Account Number

• required by all gateways

Routing

• a nine-digit identification number assigned to a financial institution or bank by the American Bankers Association (ABA)

• required by all gateways

Check #

• the document number of the check

• required by some gateways

Trans Type

• the type of eCheck Transaction

• required by most gateways

• most common choice is WEB, but other possible choices are:

 ARC - Accounts Receivable Conversion

                BOC - Back Office Conversion

                CCD - Cash Concentration Or Disbursement

                WEB - Internet Initiated Entry

                PPD - Prearranged Payment And Deposit Entry

                TEL - Telephone Initiated Entry

                POS - Point Of Sale

                RCK - Re-Presentation Check

                ICL - Digital Substitute Check

Acct Type

• select the account type from which the funds are withdrawn: Checking, Business Checking or Savings

Bank

• the name of the bank where the account resides

• optional for most gateways

Bank Loc

• the state in which the bank is located

• optional for most gateways

Birthdate

• the account holder's Date of Birth

• optional for most gateways

• use the Calendar icon to enter the date

Calendar Icon

• opens an electronic calendar where you can select the Birthdate

ID State

• state, province or in some cases the country that issued the identification card used in the ID# field

• optional for most gateways

ID #

• Identification Number of the account holder (driver's license #, state ID #, Military ID #, etc.)

• optional for most gateways

Authorize

• performs a request to verify the availability of funds and the funds are reserved by the payment processor for the given account

• used for credit card transactions

Sale (Authorize/Capture)

• a request to verify the availability of funds is performed and the funds are debited from the given account (captured by the merchant)

• used for credit card, Debit Card and eCheck transactions

Voice Capture

• this option is not supported by all payment gateways and is limited to Credit Card transactions only

• payments that are captured in this manner are frequently charged at a higher fee rate than a standard transaction, which is at the discretion of the card acquirer and is not within the control of Stone Edge Technologies Inc.

• used if the gateway requires the merchant to call in to confirm a transaction before it is processed, especially for big ticket items; the payment processor will provide the merchant with a "code" that must be entered into the Auth Code field of the Payment Tab, which is sent to the payment processor at the time the request for payment is submitted

Blind Credit

• the ability to issue a credit to a credit card account without having a previous transaction from which to post the credit; this action is not supported by all payment processors.

• only applies to credit cards and eCheck accounts and may be used when a small ticket item is returned, if the gateway supports that feature

Record Customer Account

• the use of this button is limited to payment gateways that support a customer management module

• used to create a Customer record for a new customer at the payment gateway

• sends the customer's information to the payment gateway, which returns a token representing the customer's payment account information that can be safely stored for use at a later date

• depending on the gateway, an actual "payment" transaction may not be required for this process, however, some gateways may run a zero dollar or $0.01 authorization against the card to validate the information prior to storing the data

Existing Payment Tab

• shows information about previously processed transactions for the current customer

List of Previous Transactions

Date

• date the transaction was processed

Order ID

• the number Stone Edge assigned to the order

State

• this field contains the type of the transaction or how it was entered; some examples are:

• • Authorize - indicates that an authorization for payment was obtained from the payment gateway

  • Capture - indicates that the funds shown in the Amount field were captured at the payment gateway

  • Logged - indicates that the user manually recorded the payment information for this order or it was a PayPal payment

  • Credit - indicates that the user issued a credit against the customer's card at the payment gateway

Amount

• the amount processed for the transaction

Account

• displays the credit card account that was used by the transaction

Approval

• displays the code provided by the payment gateway/processor when the authorization occurred

AuthAmt

• displays the amount authorized for this transaction

AuthDate

• displays the date the transaction was approved by the payment gateway/processor

AVS

• displays the Address Verification System response for the transaction

CVV

• displays the result of the Card Verification Value test

Capture Authorization

• a single capture against an authorization is supported by all gateways and the amount is normally limited to the authorization amount, however, some gateways do allow you to capture a percentage above the original authorization amount

• if the payment processor supports multiple captures, use this button to capture the remaining funds for the selected authorization

Issue Credit

• select this button to credit funds against the selected payment transaction

Void Transaction

• voids the selected transaction at the payment gateway
• depending on the gateway, it may or may not be possible to reverse payments associated with the transaction and to remove the hold against the funds   

Processor Detail

• view detailed information pertaining to the selected transaction, if the payment processor supports that feature

Use as Reference

• select a transaction to process a new payment, if the payment processor supports that feature

Additional Information

Concepts

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Created: 10/12/12

Revised: 12/13/13

Published: 04/13/2016