Internet Check Virtual Terminal
Consumers can create ACH or electronic check (echeck) payments from a Web Shopping Cart. Payment and consumer ID data can be Verified, reducing
fraud and costs.
The Virtual Terminal also allows merchants and call center operators to enter telephone check
transactions for customers without access to the web.
NOTES:
- Fill out the check form for all fields displayed. All fields displayed are required (the fields displayed can be set up with one of our account representatives).
- Two additional fields not shown on this view are available: Item (a field to describe the item purchased) and Social Security Number.
- If you do not want to perform Payment Authentication, you must "unselect" the Perform Payment Authentication field.
Transaction Log - Payment History When you enter your search criteria in the Transaction Log Screen (as detailed below), click the submit button to see your results which would be similar to this:
NOTES:
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Any search criteria you entered will be displayed at the top of your screen.
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Data is displayed in descending order based on the Processed Date/Time.
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Underlined fields:
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Tran ID. Click on this field to see additional information about the transaction or to make notes.
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Name. Click on this field to review ALL transactions submitted by this consumer. NOTE, the criteria for determining the same customer is not the Name field, but the bank account number and bank routing number instead. This allows you to review all transactions submitted to any single bank account.
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Status . In some cases, the Status field will be underlined. This indicates you have an option, depending upon the status type. Options are:
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NSF. You may resubmit the item to the same account for the same amount. A new item will be generated automatically. The fees applied for the new item are the same as an original item.
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Invalid. You may resubmit this item, but either the routing number, bank account number, or both must be changed.
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Funded. Allows you to refund the item. Items may only be refunded for the amount of the original transaction and to the same bank routing number and bank account number as the original item.
To resubmit an NSF or Invalid transaction or to Refund a funded transaction, click on the submit button at this level. You may enter notes in the note field for purposes of documentation.
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A summary appears at the bottom, summarizing the status of all status' that appear in your results. NOTE: the summary applies to all records returned by the query, not just what appears on the first page. If there is more than one page, the summary applies to all pages.
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There is one additional summary item that is not an actual Status: Return. This is a summary of all returned transactions (those appearing with a negative number), regardless of return type. It is important to note that other returns such as NSF, Invalid, and Chargeback, are included in this summary item and may also appear summarized for their specific status types.
Transaction Log. This tab allows you to enter your transaction log dialog. Here you can review, print, and download transactions. Additionally, you can cancel, resubmit, print, and attach notes to transactions.
Initially, you will be presented with a query screen. This is a powerful feature that allow you to limit the results of your queries by various fields in the transaction log. NOTE: If you attempt to print or download transactions, the result will include only those that were included in your query criteria.
- Search for Transactions. Here you will be able to limit your transactions by any of the fields shown. You may leave any or all of the fields blank. To review all of your transactions, leave them all blank. Following is a description of each query field:
- Date Processed. This is the date your customer submitted the transactions.
- Effective Date. This is the date we attempted to withdraw the funds from the account. NOTE: This field is left blank until we have downloaded and processed the transactions.
- Return Date. If you had any transactions returned, this is the date we received them. Return transactions are updated on the evening of the day we receive them.
- Settled Date. This is the date you were funded for the transactions. This date is updated on the evening before the funds will be available to you in your bank account.
- Customer Name. You may enter full or partial names.
- Tran ID. This is the transaction ID associated with the transaction.
- Merchant Reference Number. If you submitted or entered a reference number for the transaction, you may search using this field.
- Status. There are various status fields from
which you can choose:
| In Process | Transaction is in progress of being written to the database |
| Processed | Transaction is complete by consumer |
| Downloaded | We have downloaded the transaction for submission to the ACH network. |
| Originated | Transaction has been submitted to the ACH network and will be effective in consumer's bank account next business day. |
| Funded | Funds have been sent to you. |
| Returned | Item has been returned as something other than an Invalid, Chargeback, or NSF. |
| NSF | Item has been returned for Insufficient Funds |
| ChargeBack | Item has been returned either as Revoked or Unauthorized. |
| Invalid | Item has been returned for incorrect account number, incorrect routing number, closed account, or unable to locate account. |
| Declined | Item did not pass authorization criteria set up by Merchant. |
| Refund | Item has been refunded to consumer. |
| Credit | Item has been submitted as a credit to a consumer account. |
| Canceled | Item has been canceled by Merchant |
| BO (Back Office) Exception | Item was downloaded, but we were unable to submit it for payment due to invalid data. |
- Returned Transactions. This will display only transactions with a negative value in the Transaction Log indicating that they were returned. Routing Number. This is the bank routing number of the customer who attempted payment. Account Number. This is the bank account number of the customer who attempted payment. Amount Range. You may select transactions with a range of amounts. End Amount may be left blank.
E fective Entry Date. This is the date the item is effective in the consumer's bank account. If a debit, the funds will be withdrawn from his account on that date. This field will remain blank until the item is submitted to the ACH network. Items are submitted on the day we download them and effective on the next business day. All items are downloaded at 12:00 Eastern time each business day.
Processed Date . This is the date and time the consumer's entry was recorded on our system. Name. This is the name entered by the consumer. Amount. This is the amount of the transaction.
Approval Code. If your merchant profile indicates using Equifax, this is the approval code provided by Equifax. If the item was declined, it will remain blank. Status. This is the current status of the transaction. Resubmitted. If the item was resubmitted (NSF, Invalid), this will display "Yes." Tran ID. This is the Transaction ID assigned by our system. Merchant Reference Number. If you or your system provided a reference number, this will be displayed. Resubmitted Tran ID . If the item was resubmitted, this is the Transaction ID of the resubmitted reference number. If you are reviewing a Resubmitted item, this is the Transaction ID of the original item. Tran Type. Reserved for our use. Tran Code. Indicates the transaction is either a debit or a credit. Return Date. If the item has been returned, this is the date we received the return. Returns are posted to the Transaction Log on the evening of the date we receive them. Date Settled. This is the date the item was or will be funded to you. Return Reason Code . If the item was returned, this is the reason it was returned. Note. This is a free form text field which contains various data including verification results. It additionally keeps a running description of the transaction history as it evolves from Processed, Origination, Funded, etc. You may also enter notes yourself. Return to Table of Contents Merchant Profile. The merchant profile allows you to keep some of your profile information up to date. Most relevant data is shown here, however, we don't allow updates to all fields from the web. In the actual dialog, you would click on the various items to review your merchant profile. Upon successful entry to the Merchant Login, you will see the following: Y ou navigate by clicking on the tab you need.
Shopping Cart Return URL. If you are using our system where customers access our check forms from your shopping cart or web site, this is where your customers will be returned when they are finished with our entry check form.
Customer Service Phone Number. This will be used to display to your customers the number to reach you for customer service.
Customer Service Email. This will be used to display to your customers your email address for customer service.
Authentication Options. This displays your authentication notification options.
Email Notification . This feature defines how you want our system to send emails. You have four options. None, Merchant, Customer, and Merchant and Customer. The Merchant option will send an email to you each time a transaction is processed. The Customer option will send email to your customer as a confirmation of the transaction. The combined option will send email to both.
Foundation Score. This is the score each customer begins with as our system attempts to authorize his transaction.
Goal Score. This is the score that the customer must achieve to approve the transaction. Any score less than the Goal Score will result in a decline.
Previous Payment Authentication (PPA) .
PPA will check our internal database for either negative or positive information. You may apply a positive or negative score to either of the PPA components. Typically, you would define a positive score for a Funded transaction and a negative score for an Invalid transaction. Invalid transactions are ones where the account number is invalid (such as a closed account, non-existing account, etc.).
Certegy (formerlyEquifax) Authentication .
There are various components to an Equifax response. You may apply a score of your choice.
Certegy (formerly Equifax) Verified. This indicates that Equifax found no negative information about the customer.
Certegy (formerly Equifax) Negative Information On File. This indicates that Equifax found some negative information on file such as recent bad checks, etc.
Certegy (formerly Equifax) Invalid ID/DOB. This indicates that Equifax was unable to verify that the Driver's license and Date of Birth match. If included on the Merchant Data Requirements, the Social Security Number can also be checked with the ID provided.
Certegy (formerly Equifax) Check Data Invalid/Missing . This indicates that Equifax found the Bank Routing Number or the Bank Account Number to be incorrect or missing (our system does not permit blank account numbers to be submitted to Equifax).
Address Verification. There are various components to an Equifax response. You may apply a score of your choice.
AVS Address and Zip Match . This indicates that the Phone Number given by the customer match both the Address and Zip.
AVS Info Unavailable. This indicates that AVS was unable to find the phone number provided by the customer.
AVS Mismatch. This indicates that neither the Address or Zip matched the phone number provided by the customer.
AVS Match on Address Only . This indicates that the Address matches the phone number provided by the customer, but it did not match the Zip.
AVS Match on Zip Only. This indicates that the Zip matches the phone number provided by the customer, but it did not match on the Address.
Mail Notification . This indicates that you are using a Mail Notification option, requiring that we send a U.S. Mail confirmation to the consumer.
Use Representment. This indicates that you are permitted to interactively resubmit (re-present) an NSF or Invalid item from the Transaction Log.
Credit Transactions Allowed. This indicates you are permitted to originate credit transactions such as refunds.
Reserve Balance Required. This indicates your account requires a reserve balance to process transactions. This is typically an indication of a poor or undeveloped credit profile. Reserve balances can also be imposed when a Merchant's transactions result in an excessive return rate.
Automatic Representment. This indicates you have requested that we automatically resubmit NSF items.
Thresholds. This displays your defined operational and financial threshold limits. These limits indicate the number and amount of transactions and returns you can have for your approved agreement with us.
Max Single Entry Amount. This indicates the highest amount or any single transaction that your customers can submit.
Max Daily Amount. This indicates the maximum total amount that your account can process in any single day.
Max Monthly Amount . This indicates the maximum total amount that your account can process in any single month.
Max Daily Transactions . This indicates the maximum number of transactions that your account can process in any single day.
Max Monthly Transactions . This indicates the maximum number of transactions that your account can process in any single month.
Return Percentage. This is the highest acceptable percentage of returned items your account can process in a single month. If this is exceeded, it is possible to continue processing, but typically only with increased fees and or establishment of a reserve account.
Max Consumer Dollar Amount. This is the maximum amount that can be processed from any single bank account (typically a single consumer) in a single day.
High Risk Return Percentage . This is the highest acceptable percentage of high risk returned items your account can process in a single month. High risk returns are defined as those being revoked or or identified as unauthorized by the customer. If this is exceeded, your account will typically be terminated.
Settlement Account . This displays information about your settlement account and the information shown on your customers bank statements.
Bank Name. This is the name of the bank where you want your funds deposited.
Bank Routing Number. This is the bank routing number of the bank where you want your funds deposited.
Bank Account Number. This is the bank account number at the bank where you want your funds deposited.
EFT Statement Message. This is the message you want displayed on your customers bank statement for the item they submitted for payment. NOTE: Additional information about you such as your business name and phone number is typically available by inquiry to the bank by your customer.
Statistics. This displays some of your current account statistics.
Reserve Balance. If you are required to hold a reserve balance, this displays your balance as of the preceding business day.
Current Monthly Transactions. This displays the number of transactions you have processed during the current month as of the preceding business day.
Current Return Percentage. This displays the current return percentage for the current month as of the preceding business day.
Current High Risk Ret Percentage. This displays the current high-risk return percentage for the current month as of the preceding business day.
Fees. This displays your current fee structure.
Transaction Fee. This is the flat rate fee for processing each transaction..
Return Transaction Fees. This is the flat rate fee for processing each return transactions. NOTE: In some cases, returns can be received which are identified as Notifications of Change (NOCs), which indicates the payment was received, but that some of the information has changed on the customer's account. The charge for NOCs is the same as other returns.
Discount Fee. This is a fee based upon the value of the transaction. For example, if the fee were 1% and the transaction were $100.00, the fee would be $1.00.
Merchant Representment Fee. This is the flat rate fee charged for representing an NSF item.
Monthly Service Fee. This is a nonrefundable monthly service fee. This fee is charged each month, regardless of the volume, amount, or level of activity by the merchant. It will continue to be charged until the Merchant requests termination of our services.
Batch Processing Fee. If applied, this is a fee applied for each day's activity. NOTE: typically, we do not charge a batch processing fee unless there are special requirements requested by the Merchant.
Chargeback Fee. This is the fee applied for each Chargeback return received. Chargeback transactions are defined as those returned by your customers as revoked or identified as unauthorized.
Authentication Fee. This is the fee applied for optional authentication (authorization) services. Different fees apply to different services. This is the combined fee charged to you for all authentication services selected. In some cases, this fee will be incorporated into your Transaction Fee, in which case this will be reflected as zero.
Mail Notification Fee. This is the fee applied to the optional Mail Notification service.
Data Requirements. This displays the items that will be displayed on your Virtual Terminal and the check form presented to your customers from your web site shopping cart.
Data Requirements. Each of the items displayed will be shown on your Virtual Terminal and on the check forms displayed to your customers from your web site shopping cart. Each item displayed will be a required field on the form. NOTE: Depending upon your authentication/verification options, many of these fields may be removed from the forms. Items which cannot be removed are:
Name fields
Home Phone
Additionally, the bank routing number and bank account number will be displayed on the form and are required entries.
Modify Profile. This tab allows you to modify certain specific components of your profile. Items that you are allowed to modify are indicated with data entry form fields. Others can only be modified by us. Contact us for modification requests. NOTE: To ensure the items are saved, you must complete the entire dialog by clicking on the next buttons until complete, then you must click on Submit.
The next five (5) images are the screens you see when changing or updating your Merchant Profile. The system will lead you through each screen, in sequence.
After you click on Next for this dialog, you will see a confirmation page with all the data in your profile. Be sure to click on the Submit button or the changes will not be saved.
Download. You may download transactions directly to your computer by clicking on the Download button. When presented with the next screen, you can click Download again to download it to your browser, or you can Right-click on the button to open a download dialog to save the file on your computer as a text file.
Print. You will find a printer friendly version of the displayed data to print directly from your browser.