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Online Payments

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Virtual Terminal is a tool which can be used to initiate payments for card not present (CNP) transactions. Virtual Terminal allows merchants to accept payments (when the physical store is closed) over the telephone or mail. The cardholder shares their card details over the phone or via email. The merchant must comply with PCI DSS obligations. Card details must be secured stored.

Payment actions like capture, refund, cancel/void are actions that can be performed on payments triggered by the Virtual Terminal. These actions cannot be performed through the Virtual Terminal, but only via the transaction details which can be accessed through the transaction reports.

Access

Your level of access determines if you can process payments in Virtual Terminal.

Access

  • Merchant Cashier — Initiate payment and cancel/void payment
  • Merchant Supervisor — Initiate payment, capture/refund/cancel/void payment

No access

  • Merchant Admin
  • Merchant Reviewer
  • Merchant User

How to use Virtual Terminal  

Payment settings

In order to initiate the payment, the user must set the following configurations: 

  1. Select an Organization to which the transaction belongs. If there is only one organization, this field will pre-populate.
  2. Select a Payment Provider Contract (PPC). The payment provider contract is configured to accept a set of payment methods. If there is only one PPC, this field will pre-populate.
  3. The Merchant Reference is a field that can be used to link the transaction to an order ID generated by your system. The purpose of the merchant reference is for your administration. If no information is entered, the field will remain blank. An example of a Merchant Reference could be an Order ID from the ordering system.
  4. The Transaction Amount is the value of the payment. The currency code will be determined based on the Payment Provider Contract. If a contract is configured to process multiple currencies, the currency code field will be a select box.
  5. Use the checkbox "Automatically send transaction for capture" if you want to immediately capture the transaction, or only authorize the funds.
  6. Once the configuration has been completed click on "Continue to Payment" to proceed to the next step.

payment settings

 

Payment form

On the next page you will see the Payment form. Here you will enter the customers Card Number, Expiration date and CVV.

  1. Make sure you store the Merchant Reference for your records.
  2. Enter the Card Number, Expiration date, and CVV.
  3. Click "Process Transaction" to complete the transaction, or only authorize the funds.

payment form

Payment completed

Once a transaction is completed, the confirmation screen will appear.

You can now do the following: 

  • Click "New Transaction" to start a new transaction.  
  • Click on "More Details" to review transaction details.

Successful transaction

Once a transaction is successful, it can be viewed in the transaction log by searching for the Merchant Reference in the Transactions report.

Transactions

If the transaction failed, the page would look like this.

Virtual terminal failed transaction

Merchant action scenarios

Once all the payment settings are configured, you enter the card number. The card number is the customer's card number. After typing in the first 6 digits, the form displays which brand the card is. Here is an overview of the various scenarios.

Card

type

Card validated Portal display  Merchant 
actions

Additional

actions

 

 
Single brand Y Card brand provided  Fill in the expiration date of the customer's card. If the transaction is authorised, a confirmation screen is shown. 

Single

brand

N

An error message is displayed. 

If the expiration date is in the past, an error message explains what is wrong about the input.

 

Choose to ask for the CVV or not.

  • Store how the card details were received (Telephone/Mail)
  • Initiate the payment

 

If CVV check is negative, highlight the result.

Example: The CVV does not match the required length.

 

Ask the user which payment action should be taken--cancel or refund.

 

Dual-branded

Y

 

  • If the PPC is configured for one of the brands and the brand that's not configured cannot be selected.
  • If the PPC is configured for both brands, the cashier can ask the cardholder on which scheme to process the transaction.

 

Choose to ask for the CVV or not.

  •  Store how the card details were received (Telephone/Mail)
  •  Initiate the payment
If the transaction is authorised, a confirmation screen is shown. 
Dual-branded N If the bin lookup fails, an error message is shown to the user.

Choose to ask for the CVV or not.

User initiates the payment.

If CVV check is negative, highlight the result. Ask the user which payment action should be taken--cancel or refund.  

         
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