Credit Card Processing FAQ's 

How do I refund a credit card or bank account?

When submitting a transaction type of refund, the following rules apply:

• You can only refund a transaction that has been previously authorized using the payment gateway.
• The original transaction that you wish to refund must have a status of Settled Successfully.
• You cannot issue refunds against unsettled, voided, declined or errored transactions.
• The refund transaction must be issued within 120 days of the date the original transaction was settled.
• A refund transaction cannot exceed the amount of the original transaction.
• The payment method provided in the refund transaction must match the payment method that was provided in the original transaction.
• You must provide the last four digits of a masked credit card or bank account number from the original transaction.

Which integration method should I use?

The following questions might help you determine what integration method you should use. You might need to contact your Web developer for additional information regarding these questions.

1. Is a credit card physically presented to the merchant during a transaction? If YES, use Card Present (CP).

2. Do you or the shopping cart (or other service provider) you are using have a Secure Sockets Layer (SSL) certificate? If YES, use Advanced Integration Method (AIM). If NO, use Server Integration Method (SIM).

3. Do you require the payment form to show your website’s domain name (for example, http://www.merchant.com)? If YES, use AIM. If NO, use SIM.

Do you want to keep the customer on your website throughout the payment process? If YES, use AIM. If NO, use SIM.

What are the types of integration available?

AIM – AIM is the recommended method of integration for all Card Not Present (CNP) merchants. AIM offers the most flexible integration, allowing merchants to host their own secure payment form and send transactions to the payment gateway using an end-to-end Secure Sockets Layer (SSL) connection.SIM – SIM is the recommended solution for all merchants who do not have an SSL certificate.

SIM uses scripting techniques to authenticate transactions with a unique transaction fingerprint. SIM also provides a customizable and secure payment gateway hosted payment form to make integration easy. The payment gateway can handle all the steps in the secure transaction process; payment data collection, data submission, and the response to the customer.

CP – The CP integration method is designed for developers and providers of point-of-sale (POS) systems and retail payment solutions. To connect to the payment gateway using the CP integration method, retail and mobile merchants only need to purchase a ready-to-install POS solution or device.

How do I connect my website to the payment gateway to submit transactions?  

There are multiple ways to connect to the payment gateway. You should choose the connection method that best suits your business needs and Web development resources.  

Advanced Integration Method (AIM) – AIM offers the most flexible integration, allowing merchants to host their own secure payment form and send transactions to the payment gateway using an end-to-end Secure Sockets Layer (SSL) connection.

Server Integration Method (SIM) – SIM uses scripting techniques to authenticate transactions with a unique transaction fingerprint. SIM also provides a customizable payment form and receipt page hosted on the payment gateway’s secure server.

Certified Shopping Carts – Certified shopping carts integrate to the payment gateway using AIM and are compliant with the highest payment gateway security standards. Certified shopping carts are an ideal solution for merchants with minimal Web development resources.

How do I refund a credit card or bank account?

When submitting a transaction type of refund, the following rules apply:

• You can only refund a transaction that has been previously authorized using the payment gateway.
• The original transaction that you wish to refund must have a status of Settled Successfully.
• You cannot issue refunds against unsettled, voided, declined or errored transactions.
• The refund transaction must be issued within 120 days of the date the original transaction was settled.
• A refund transaction cannot exceed the amount of the original transaction.
• The payment method provided in the refund transaction must match the payment method that was provided in the original transaction.
• You must provide the last four digits of a masked credit card or bank account number from the original transaction.

Why is my customer’s credit card being declined?

The payment gateway does not always receive a specific reason as to why a credit card transaction is declined by the card issuing bank. All of the details provided by the processor for a transaction are displayed on the Transaction Detail page. In the case where a transaction has been declined due to AVS Mismatch, Card Code Mismatch, or FraudScreen.Net thresholds, this information is displayed at the top of this screen indicating the reason for the decline.

What does "Address provided does not match billing address of cardholder" or "AVS mismatch" mean?  

These are two responses generated by the Address Verification Service (AVS), a credit card verification system that compares the billing address information provided by the customer with the billing address on file at the customer’s credit card issuing bank. The processor then returns an AVS response code that describes the status of the match. The payment gateway compares the AVS response code against the AVS settings established by the merchant in the Merchant Interface and either accepts or rejects the transaction.

The AVS filter is not intended for use as absolute protection against fraud, nor is it intended for use in all processing scenarios. Settings should be made carefully to be sure that the filters are implemented appropriately based on specific processing needs.

How can I customize the payment gateway hosted payment form?

You can customize the background, text color, header, footer, and the form fields displayed on the payment gateway hosted payment form.

Step 1: Click Settings in the left side menu.

Step 2: Under Transaction Format Settings, click Payment Form.

Step 3: Customize the payment form settings to your business.

The header and footer sections allow you to reference logo images and also support the use of style sheets (.css).