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PROCESSING TRANSACTIONS
How does real-time transaction processing work? THE INTERNET / INTEGRATIONS Should I use an order form or a shopping cart?
MERCHANT ACCOUNT What is a Merchant Account? ePN /MSC ACCOUNT SETTINGS What is the ePN/MSC? We understand quite well that merchants are sometimes amazed at "all the pieces" that have to come together to conduct commerce on the Internet, because each of us at eProcessingNetwork brings with us years of experience, not only in the merchant payment processing industry, but also with the Internet, Web sites and Shopping Carts. This experience has not only allowed us to produce and maintain a dynamic list of Frequently Asked Questions (FAQ) that has proven to save merchants quite a bit of time, but also provides us with a perspective that allows us to divide the questions we are most frequently asked into three categories of questions relating to:
eProcessingNetwork's business focus is twofold:
eProcessingNetwork processes transactions for merchants using each merchants own merchant account. A merchant account is an agreement between a merchant, a bank, Visa, MasterCard, and possibly American Express and Discover. eProcessingNetwork is not a party to these agreements. Only merchants may be a party to these agreements, therefore banks will not discuss with eProcessingNetwork the state of a merchants account, which means that merchants must contact their own bank with any questions specific to their merchant account. While programming skills are not required to utilize eProcessingNetwork's services, the following are required:
eProcessingNetwork offers Tech Support for questions specific to the tools and processing services that we offer. Our Tech Support line is available from 8:30 AM to 5:00 PM Central time Monday through Friday, except holidays, at (713) 880-0327, and email support is available after hours and on weekends at Support@eProcessingNetwork.Com. Should I use a shopping cart or an order form? The deciding factor as to whether a merchant should use a shopping cart or an order form usually boils down to the number of products/services a merchant is offering. If a merchant is offering just a few related products/services, then these can often be offered from a single page order form where the customer simply specifies the desired quantity of each product/service, and clicks a button to continue. Order forms can be created using the eProcessingNetwork Order Form Generator (ePN/OFG). If a merchant is offering a large number of products/services, or unrelated products/services, then a shopping cart is often desirable, allowing customers to specify desired quantities of products/services while continuing their shopping. eProcessingNetworks' ePNCart is easy to configure and use. There is no limit to the number of items a merchant can offer through eProcessingNetworks' order form or shopping cart, and there is no reason a merchant can't use both methods from the merchants Web page.
eProcessingNetwork offers the eProcessingNetwork Order Form Generator (ePNOFG), which is a simple, intuitive, easy-to-use program that creates order pages for you using the answers you provide to the questions it asks. The ePNOFG is designed to be used by merchants with little or no computer experience, but offers advanced options that are helpful to even the most experienced computer users. The ePNOFG is available in the Resources section of the ePN/MSC.
If you are utilizing eProcessingNetwork's optional ePNCart, select ePNCart Config in the ePN/MSC. Specify the State or Province in which you need to collect Sales Tax, and the rate you need to collect. If you do not need to collect Sales Tax, select None in the State/Province drop-down. Define the number of Shipping Methods you wish to offer your customers, as well as the description and cost of each method. To create Web pages for use with ePNCart use the eProcessingNetwork Product Page Generator (ePNPPG), designed to be used by merchants with little or no computer experience, but offering advanced options that are helpful to even the most experienced computer users. The ePNPPG is a simple, intuitive, easy-to-use program that creates ePNCart-enabled Web pages for you using the answers you provide to the questions it asks. To enable existing Web pages for use with ePNCart, use the eProcessingNetwork Button Generator (ePNBG). Both the ePNPPG and the ePNBG, as well as handy instructions for their use, are available in the ePNCart Config section of the ePN/MSC.
For merchants using custom order forms, custom shopping carts and most other specialized situations, eProcessingNetwork offers various methods of integrating our Secure Transaction Processing Services, all documented, with examples, on our Integration and Developers Utilities page. A link to this page is available from the left menu of every page on eProcessingNetwork's Web site.
Most popular third-party shopping carts allow merchants to simply select eProcessingNetwork as their payment processor and then prompt the merchant for their eProcessingNetwork Account Number. A few carts, however, have more specific configuration requirements. eProcessingNetwork is always happy to work with developers to assist them in integrating eProcessingNetworks' Secure Transaction Processing Services into new shopping carts. If you are utilizing a third-party shopping cart that has not yet integrated eProcessingNetwork, you are welcome to provide them with the following information:
When third-party shopping cart developers contact us about integrating eProcessingNetwork into their cart, we do not require them to have, or have access to, an eProcessingNetwork account. We are always happy to provide third-party shopping cart developers with a test account. These developers can also request a listing in the Compatible Solutions section of the eProcessingNetwork Reseller Support Center.
You can test a transaction through your Web site by using your eProcessingNetwork Account Number as the credit card number. Whenever the credit card number is equal to the eProcessingNetwork Account Number, the transaction is processed as a test transaction regardless of the expiration date selected. The standard email is generated, with the additional message, "!!! Test Transaction !!!" at the top. This allows merchants and developers to process test transactions at any time without any reconfiguration. The AVS response to test transactions will always be "Address and Zip Code Do Not Match (N)", the CVV2 response to test transactions will always be "CVV2 Not a Match", and test transactions do not appear in a merchants Current Batch or Activity Reports.
Emails are sent for each and every transaction processed from your Web site regardless of whether you're using eProcessingNetwork's ePNCart, Order Form or any of eProcessingNetwork's Integration Templates. This is automatic. Emails for Online Terminal transactions are sent if you have the "EMail Transaction Summary to..." check box selected when you process each transaction. If you did not receive an email for a transaction, confirm that your email address is set correctly in the Account Config section of the ePN/MSC. Also, check with your Internet Service Provider to see if your email account is configured correctly or if they are having email server problems.
A merchant account is an agreement between a merchant, an acquiring bank, Visa, MasterCard, and possibly American Express, Discover, Diners Club, JCB, etc. eProcessingNetwork processes transactions for merchants using each merchants own merchant account. In the same manner that a clerk in a retail store swipes a customer's card through a box that processes that merchant's transactions using that merchant's own merchant account, eProcessingNetwork processes merchant's Internet transactions using each Internet merchant's own merchant account. eProcessingNetwork is essentially the Internet equivalent of the swipe hardware found in retail stores, with quite a bit of enhanced functionality specific to Internet processing. eProcessingNetwork does not offer merchant accounts, does not profit from merchant accounts, and is not a party to merchant account agreements. Only merchants may be a party to these agreements, therefore banks will not discuss with eProcessingNetwork the state of a merchant's merchant account, or the responses that they return for each transaction request. This means that merchants must contact their acquiring bank with any questions specific to their merchant account. Questions that only your acquiring bank can answer include, but are not limited to:
When eProcessingNetwork processes transactions for merchants using each merchants own merchant account, eProcessingNetwork provides each merchant with the response returned by their acquiring bank's processor. eProcessingNetwork documents these responses in the Resources section of the ePN/MSC. If you have questions as to why you are receiving a specific response to a transaction, you must contact your acquiring bank. These questions include, but may not be limited to:
An Acquiring Bank is a bank that is responsible for acquiring the funds from credit card issuing banks for transactions that were processed by your customers. The Acquiring Bank then deposits these funds directly into the appropriate merchants bank accounts. You must have a merchant account with an Acquiring Bank to process transactions through eProcessingNetwork. Some banks use Merchant Service Providers to handle the support questions related to merchant accounts.
A Merchant Service Provider (MSP) is the company responsible for servicing your merchant account for your acquiring bank, and is generally associated with a credit card processor. MSPs provide merchants with monthly statements and a Customer Service department to answer questions and resolve problems you may have specific to your merchant account. You can usually find your MSPs Customer Service Departments Toll-Free phone number on the Welcome kit they should provide you with and on the monthly statement they send you.
eProcessingNetwork processes merchants transactions using each merchants own merchant account. eProcessingNetwork does this on a real-time basis by contacting each acquiring bank's processor who in turn contacts the bank that issued the credit card to the cardholder. It is the issuing bank that provides the response to eProcessingNetwork as to whether the transaction is approved or declined. eProcessingNetwork NEVER makes a decision on accepting a credit card other than to confirm that the card number and expiration date given are valid. eProcessingNetwork saves approved transactions into a batch, and closes batches on a daily basis, sending merchants a Close Batch Report email detailing the number of transactions and dollar amount of the batch. Closing a batch is what signals the issuing and acquiring banks to fund the transactions within the batch. The Close Batch Report emails that you receive from eProcessingNetwork are your proof that your processor has accepted your batch for settlement.
Your Merchant Service Provider (MSP) controls the credit card types your merchant account is able to accept. Generally, by default, merchant accounts are enabled to accept Visa and MasterCard. If you would like to add the ability to be able to accept additional card types (American Express, Discover, etc.), you must open an account with each credit card company, and then have your MSP enable your merchant account for that additional card type. The easiest way for merchants to open an account with additional credit card companies is often to contact your MSP and request that they assist you in the process. After you confirm with your MSP which credit card types your merchant account is enabled for, confirm that each of those card types is checked in the Account Config section of the ePN/MSC. This will allow eProcessingNetwork to process those card types for you on your behalf. Because of the fact that eProcessingNetwork is not a party to your merchant account, your sales office or your MSP must help you with this process. You can usually find your MSPs Customer Service Departments Toll-Free phone number on the Welcome kit they should provide you with and on the monthly statement they send you.
Your Merchant Service Provider (MSP) controls the credit card types your merchant account is able to accept. Generally, by default, merchant accounts are enabled to accept Visa and MasterCard. If you would like to add the ability to be able to accept additional card types (American Express, Discover, etc.), you must open an account with each credit card company, and then have your MSP enable your merchant account for that additional card type. The easiest way for merchants to open an account with additional credit card companies is often to contact your MSP and request that they assist you in the process. After you confirm with your MSP which credit card types your merchant account is enabled for, confirm that each of those card types is checked in the Account Config section of the ePN/MSC. This will allow eProcessingNetwork to process those card types for you on your behalf. Because of the fact that eProcessingNetwork is not a party to your merchant account, your sales office or your MSP must help you with this process. You can usually find your MSPs Customer Service Departments Toll-Free phone number on the Welcome kit they should provide you with and on the monthly statement they send you.
The Address Verification System (AVS) is a system whereby eProcessingNetwork, when connecting to your customers issuing bank through your MSPs processor, is able to verify whether the street address and Zip code entered by your customer is the same as the street address and Zip code that the customers issuing bank has on file. AVS is a standardized system among the credit card companies with a fixed set of responses documented, in detail, in the Processing Control section of the eProcessingNetwork Merchant Support Center (ePN/MSC), where merchants have the ability to specify which AVS responses they wish to accept and which AVS responses they wish to decline. AVS responses often relate to the rate you will pay your Acquiring Bank for processing your transactions, as well as your potential liability in the case of chargebacks. For details on rates and chargebacks, please refer to your original Merchant Account Agreement or contact your Merchant Service Provider. Keep in mind that the AVS system currently offered by the credit card companies only verifies street address and Zip codes of cards issued by U.S.-based banks, and that the standard response returned by the credit card companies for non-U.S. issued cards is Non AVS Participant Outside of U.S.
CVV2 (Card Verification Value, Second Generation) is a three-digit value that is uniquely derived for each credit card account. It is printed in reverse italic characters on the signature panel of all Visa and MasterCard cards following the last 4 digits of the account number. In a card-not-present environment such as the Internet, CVV2 lets a merchant verify that the cardholder does in fact have the card in his or her possession.
By default, eProcessingNetwork processes transactions as Sale transactions. Processors provide AVS and CVV2 responses for Sale transactions, but these responses do not affect whether the transaction is approved or declined. They are informational in nature only. Processing transactions as Sale transactions is acceptable for some merchants within some environments, but for many online merchants processing on an automated, real-time basis, it is often desirable to accept a transaction only if the AVS and CVV2 provided by the customer both match the information on file with the customers issuing bank. Because of the chargeback problems that can be caused by accepting transactions without obtaining AVS and CVV2 matches, eProcessingNetwork offers the ability for merchants to configure their eProcessingNetwork account to accept transactions from their Web site only if the AVS and CVV2 are both a match. eProcessingNetwork does this by processing the transaction initially as an Authorization-Only transaction, which provides Approval, AVS and CVV2 responses to the transaction without actually putting the transaction into a batch to be settled. If the Authorization-Only transaction is approved, and the AVS and CVV2 are both a match, then eProcessingNetwork puts the transaction into the merchants batch as an Offline Sale, and the transaction is settled at the end of the day. If, however, the AVS and/or CVV2 do not match that on file at the cardholders issuing bank, then the customer is presented with a page stating that the transaction has been declined because the AVS and/or CVV2 did not match, and the customer is presented with an opportunity to correct the information and re-attempt the transaction. eProcessingNetwork calls this system AuthConvert, and merchants can configure their Web site to process in this way in the Processing Control section of the eProcessingNetwork Merchant Support Center. There, merchants can also limit the number of attempts a customer can make within a fixed time period. The AuthConvert method of processing transactions only applies to merchants utilizing eProcessingNetworks ePNCart, Web Order Template, Database Engine Template or Transparent Database Engine Template. AuthConvert does not apply to transactions processed through eProcessingNetworks Online Terminal, or through eProcessingNetwork using third-party shopping carts.
eProcessingNetwork obtains approvals for transactions on a real-time basis, and saves approved transactions into a batch. eProcessingNetwork closes batches on a daily basis, and sends merchants a Close Batch Report email detailing the number of transactions and dollar amount of the batch. Closing a batch is what signals the issuing and acquiring banks to fund the transactions within the batch. The Close Batch Report emails that you receive from eProcessingNetwork are your proof that your processor has accepted your batch for settlement. The amount of time it takes for a transaction to be funded after your processor has accepted your batch for settlement is a function of the agreement you have with your acquiring bank, and is often on the order of 48 to 72 hours. To find the exact amount of time it takes for your transactions to be funded, look at your original merchant account application. If you find that a transaction has not been funded within the specified time even though you received a Close Batch Report from eProcessingNetwork, you must contact your Merchant Service Provider.
eProcessingNetwork obtains approvals for transactions on a real-time basis, and saves approved transactions into a batch. eProcessingNetwork closes batches on a daily basis, and sends merchants a Close Batch Report email detailing the number of transactions and dollar amount of the batch. Closing a batch is what signals the issuing and acquiring banks to fund transactions. If the transaction in question is in a batch that has not yet closed, you can void the transaction in the Current Batch section of the ePN/MSC by selecting the transaction from the dropdown and clicking Void. Follow the subsequent prompts. To perform a return/credit transaction on a sale transaction that has already been closed, select the date the original sale transaction was processed in the Activity Reports section of the ePN/MSC. Scroll down to the bottom of the report until you see your transaction in the Transaction table, then click on Return link. This will put you in the Online Terminal with the information from the original transaction, and Transaction Type will be set to Return. You can change/enter any additional information, and then click Submit.
eProcessingNetwork obtains approvals for transactions on a real-time basis, and saves approved transactions into a batch. eProcessingNetwork closes batches on a daily basis, and sends merchants a Close Batch Report email detailing the number of transactions and dollar amount of the batch. Closing a batch is what signals the issuing and acquiring banks to fund transactions. If you decide not to accept an already approved transaction, and the transaction is in a batch that has not yet closed, you can void the transaction in the Current Batch section of the ePN/MSC by clicking on the Report arrow under the Current Batch section of the blue table. Then to void transactions, check the box under the Select column for each transaction you wish to void, and click the Void >> button. Follow the subsequent prompts. If the transaction in question is in a batch that has already been closed, you will have to perform a return transaction, the details of which are documented here.
INVALID MRCH# means one of two things: 1. You are trying to process a card type that your merchant account is not enabled for, i.e. American Express or Discover, in which case you'll want to contact your Merchant Service Provider and inquire as to enabling your merchant account for that card type. or 2. Your merchant account has been disabled by your Merchant Service Provider, in which case you'll want to contact your MSP to find out why.
A DECLINED response means that the cardholders issuing bank will not pay you, the merchant, for that transaction. eProcessingNetwork processes transactions for merchants using each merchants own merchant account. eProcessingNetwork processes these transactions through the processor of each merchant's own acquiring bank. eProcessingNetwork simply returns you the response returned to us from the processor who, in turn, is simply returning the response from the issuing bank. Issuing banks do not return an indication of why they decline a transaction. The most common reasons an issuing bank declines a transaction include, but are not limited to:
Because of the fact that eProcessingNetwork is not a party to your merchant agreement with your acquiring bank, we are unable to assist in determining why transactions are declined by an issuing bank. If you would like to know why a specific transaction has been declined, you must contact your acquiring bank. They are the only entity that can assist you in such matters.
A CALL CENTER response means that the cardholders issuing bank believes that a condition exists with the cardholder that requires special handling. The merchant must contact the Voice Authorization Center for instructions about how to proceed. You can usually find this phone number on your monthly merchant account statement.
eProcessingNetwork displays your company name on the Web page used to prompt your customer for Billing information. The information we display is the information we were given by your salesperson when your salesperson added you to our system. The contact information that is displayed on your customers monthly credit card statement is controlled by your Merchant Service Provider, and is usually the information that you provided them with when you completed your original merchant account application. To change the contact information that is displayed on your customers monthly credit card statement, you must contact your MSP.
If you change your bank account, you must download, print, complete, sign and fax us (713 880-0330) the eProcessingNetwork Checking Account Info for ACH Change Request Form, available here. Normal fax processing takes 1-3 days. We also recommend that you contact your MSP and notify them of the new bank account information as well.
If you change your business name, you must download, print, complete, sign and fax us (713 880-0330) the eProcessingNetwork Business Name Change Request Form, available here. Normal fax processing takes 1-3 days. We also recommend that you contact your MSP and notify them of the name change as well.
The eProcessingNetwork Merchant Support Center (ePN/MSC) is where merchants utilizing eProcessingNetworks' Secure Online Transaction Processing Services can produce activity reports, maintain their online account, configure optional services such as ePNCart, and keep up with the latest in e-commerce technology. You can log in to the ePN/MSC with your eProcessingNetwork Username and Password by clicking on the Merchant Support Center link in the left menu of any of eProcessingNetworks Web pages, or by clicking here.
Before following this procedure, we recommend you confirm that your browser's Save this password in your password list option is not checked when you login to the ePN/MSC. If your browser's Save this password in your password list option is checked and you change your password in the ePN/MSC, then you will lock yourself out of the ePN/MSC because your browser will continue to present the previously-saved password. eProcessingNetwork recommends that you never use the Save this password in your password list with any browser at any Web site. If you have checked your browser's Save this password in your password list option, Internet Explorer allows you to clear it's memory of the password (Tools -> Internet Options -> Content -> AutoComplete -> Clear Passwords). To change the password used to access our system, log in to the ePN/MSC with your eProcessingNetwork Username/Account Number and current password. Select Account Config in the dropdown and click Go! Click on the Change Password button. Enter your old password for verification. Enter the desired new password twice, and click the Continue button.
To change the email address used to notify you of processed transactions, log in to the ePN/MSC with your eProcessingNetwork Username/Account Number and current password. Select Account Config in the dropdown and click Go! The email address we have will be displayed in the Email Address input box. By default, this is the email address that your sales office provided us with when your sales office entered you on our system. To change the email address, simply overwrite the displayed email address with the desired new email address and click the Change Email button. You can enter up to two email addresses by separating then with a comma, i.e. email1@isp1.com, email2@isp2.com
Due to numerous attempts by unauthorized persons to gain access to merchant's accounts, the eProcessingNetwork Merchant Support Center (ePN/MSC) is configured to allow up to three unsuccessful login attempts within fifteen minutes. If three unsuccessful login attempts are reached within fifteen minutes, then access to the ePN/MSC is locked out for thirty minutes. This does not affect processing from a merchant's Web site, shopping cart, etc. If you find that you can not access the ePN/MSC, then we suggest that you confirm the following:
It's also entirely possible that someone else is trying to log in as you. We recommend you wait at least 30 minutes and try again. We apologize for any inconvenience this may cause you, but we have had to implement this policy for the protection of merchants utilizing eProcessingNetwork. If you have forgotten your password, we can have the system generate a new password for you, but this will not unlock a locked account. Do not email the password to us (or to anyone else for that matter), and be sure to change your password often. If you would like your password reset, it will be necessary for you to download, print, complete, sign and fax us (713 880-0330) the eProcessingNetwork Password Reset Request Form, available here, allowing us to verify your authorization to reset the password to that which was originally issued. You must also include a copy of the original Merchant Account Application or eProcessingNetwork Merchant Service Agreement. We are unable to process incomplete faxes or faxes that do not include a copy of the original Merchant Account Application or eProcessingNetwork Merchant Service Agreement with the eProcessingNetwork Reset Password form. We regret the inconvenience, however, it is necessary to protect the integrity of merchant's information. Normal fax processing takes 1-3 days.
eProcessingNetwork charges Monthly Access and Per-Transaction fees. These were detailed in the Welcome to... email you were sent when you started with us, and they were detailed the first time you logged into the ePN/MSC. eProcessingNetwork debits these fees from your checking account on the first business day of each month, sending you an email detailing the fees that we debit. The bank with which you have your checking account will list this debit on your statement as follows: EPN MONTHLY FEE If the first three letters of the description of a debit from your checking account are not EPN, then the debit is not from eProcessingNetwork. If the first three letters of the description of a debit from your checking account are not EPN, then you must contact the bank with which you have your checking account and ask them who performed the debit in question. Only the bank with which you have your checking account can tell you who is debiting money from your checking account. |
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http://www.eprocessingnetwork.com/tdbe.html
Advanced Features of the TDBE: Advanced Features of the TDBE with Recur: |
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Where can I find more information on the Database Engine (DBE) and Recur? First you need to create a new Recurring
Method, click on Create New Recurring Method in the ePNRecur Config.
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How can I diagnose a
problem with my Integration?
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What if I am having problems posting to the Reflection script? If you are having problems posting to our
Reflection script please try posting to: |
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Is Yahoo store compatible with my eProcessingNetwork account? We do support the FDMS - Nashville platform. However, we are not compatible with Yahoo! Store because they are a payment gateway themselves. Yahoo! Store will accept a FDMS - Nashville platform merchant account from any bank, but you must use their payment gateway. |
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How do I process a Sale
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How to do I process
a Voice Authorization from my Merchant Bank's 800 authorization line? |
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Copyright © 2000 - 2009 eProcessing Network, LLC. All Rights Reserved. |
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