The following two options will also appear if you have
enabled your account to accept eCheck
transactions:
- Debit a Bank Account – Select
this option to debit a purchase to a customer’s
bank account. Debits require a routing number, bank
account number, and amount. In addition, these transactions
should also include a bank account type (Checking or
Savings), and name on the bank account (name of individual
or company on file with the bank). (Note: These fields
are optional, but we recommend that you include them).
- Refund a Bank Account – Select
this option to return funds to a customer’s bank
account as a refund for a previously entered transaction.
Refunds require the valid gateway-assigned transaction
ID of the original transaction, routing number, bank
account number (you may include only the numbers that
are not masked, ex., 1234, without the Xs; OR the entire
number as provided to you directly by the customer),
and amount. The Payment Gateway will validate the original
transaction ID provided to make sure that it exists
and is eligible for a refund. The Payment Gateway will
also verify that the bank account number entered for
the refund matches the bank account number provided
for the original transaction. The amount of the refund
may not exceed the amount of the original transaction.
If multiple refunds have been issued for the same original
transaction, then the sum of all refunds may not exceed
the total amount of the original transaction.
Step 2:
Select a Transaction Type (optional)
-
If you select Charge a Credit Card as your method
of payment, you must also specify the transaction
type. Select one of the following:
-
Authorize and Capture – Transactions of this
type will be authorized and automatically submitted
for settlement.
-
Authorize Only – Transactions of this type
are authorized, but are not automatically submitted
for settlement. These transactions remain in an Authorized/Pending
Capture state until a capture action is performed
against the transaction. Once a capture action is
performed, the transactions will be submitted for
settlement. These transactions will expire if they
are not captured within 30 days.
- Capture Only - These transactions have been authorized
outside of the Payment Gateway. An authorization code
is required.
Note: Authorize and Capture is the default Transaction
Type.
Step 3:
View and Enter Transaction Information
The fields that appear on this page are determined
by the settings that you have customized for your account
as well as field requirements determined by your processor.
All required fields are indicated with an asterisk (*).
You must provide a valid value in all required fields
in order to submit the transaction. All other fields
that appear are optional.
The sections below describe the most commonly used
fields within Virtual Terminal. Additional or fewer
fields may also appear on this page based on your Virtual
Terminal settings and the requirements of your processor.
Note: We recommend that you use versions 4.5 and higher
of either Netscape or Internet Explorer in order to
fully utilize this feature.
Payment/Authorization Information
This section describes information associated
with the payment method and authorization of the transaction.
The fields in this section include:
- Credit Card Number – Credit card number
of the customer. The Payment Gateway will only accept
card numbers that correspond to the listed card types.
- Expiration Date – Month and year expiration
date of the credit card. This should be entered in the
format of MMYY. For example, an expiration date of July
2005 should be entered as 0705.
- Amount – Displays the total transaction
amount charged to the user's card.
- Currency – This is the currency for which
the amount is authorized.
- Card Code – The three- or four-digit
code assigned to a customer's credit card number (found
either on the front of the card at the end of the credit
card number or on the back of the card).
- Recurring Billing Transaction – This
indicates whether the Payment Gateway should process
the transaction as recurring billing.
In the case of eCheck.Net transactions, selecting Debit
a Bank Account will display the following fields in this
section in addition to Amount and Currency:
- ABA Routing Number – This is the number
that identifies the financial institution associated
with a customer’s bank account.
- Account Number – This is the customer’s
bank account number.
- Bank Account Type – This indicates the
type of account, Checking or Savings.
- Bank Name – This indicates the name of
the customer's bank.
Order Information
This section allows you to input specific information
associated with an order or invoice. Fields available
in this section are Invoice Number and Description.
Customer Billing Information
This section allows you to enter the customer’s
billing information associated with the transaction. Fields
available in this section are: Customer ID, First
Name, Last Name, Company, Address,
City, State/Province, Zip Code, Country,
Phone Number, Fax Number, Email Address.
Shipping Information
This section allows you to enter the customer's shipping
information associated with the transaction. Fields available
in this section are: First Name, Last Name,
Company, Address, City, State/Province,
Zip Code, Country, Phone Number.
If the shipping information is the same as the customer
billing information, you may also check the box labeled
"Same as information entered in Billing Information."
Additional Details
This section allows you to enter additional details for
the transaction such as Tax, Freight and Duty Amounts,
Tax Exempt status, and a Purchase Order Number, if applicable.
This information is typically entered to support Level
2 Data requirements for purchase cards.
Step 4: Click
Submit.
Step 5:
The Payment Gateway will return a response regarding the
status of the transaction. If the transaction is approved,
you will receive a message indicating that the transaction
is approved with a link to more details. If your transaction
is declined, you will receive a message indicating that
the transaction was declined during authorization. If
an error occurs during processing or if your transaction
contains invalid data, you will receive an error message.
Step
1: Select a Payment
Method