1. Login to the Merchant Support Center
2. Click Online Terminal in the side bar menu.
3. Enter in the Amount
4. The Transaction Type is already set for Sale.
5. Complete credit card information.
   NOTE: If you do not have the CVV2 number you will need to select a different CVV2 type that matches your situation.
6. Customer/Order Info: Enter your customer's information here:
   1. Street address and zip code (this is not required to complete the transaction, but is required to qualify for AVS at your MSP)
   2. Tax amount and purchase order (required for business or corporate cards)
   3. NOTE: If you do not have the purchase order or tax information, use the current date for the purchase order and 0.00 for tax.

1. Login to the Merchant Support Center
2. Click Activity Reports in the side bar menu.
3. Create a report by date or by month to find the original Sale transaction upon which you wish to base the new transaction
4. Find the desired transaction row and click the Sale button on the right.
5. Enter the desired amount for the nen w transaction.
6. Verify the Payment Information and Customer/Order Data:
   1. Street address and zip code (this is not required to complete the transaction, but is required to qualify for AVS at your MSP)
   2. Tax amount and purchase order (required for business or corporate cards)
   3. NOTE: If you do not have the purchase order or tax information, use the current date for the purchase order and 0.00 for tax.
7. Click the Submit Transaction button.

1. Login to the Merchant Support Center
2. Click Recuring Billing in the side bar menu.
3. From the recur page, you can Quick Search for an existing recur using the customer or company name, the Recur ID, or by your own identifier (which you would've added to the Identifier field when you originally created the recur).
4. You can also view the Recurring Reports section to bring up recurs based on a month, current recurs, recurs scheduled for a future date, or based on the expiration date of the credit card.
5. Once you've found the recur record, click the corresponding Sale button to the right.
6. Change the recur amount if necessary.
7. Clicking the check box "Apply to Recur" will decrement the current set of payments or it will be a standalone sale.
8. Having Email Receipt checked will email a receipt to the customer. You may un-check this if you wish.
9. Click Submit to charge the card.

eProcessing Network obtains approvals for transactions on a real-time basis, and saves approved transactions into a batch.

eProcessing Network 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 drop down 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.

1. Login to the Merchant Support Center
2. Click Activity Reports in the side bar menu.
3. There are several options for viewing transactions on this page:
   1. Current Batch
      • Contains transactions that have recently been authorized and are awaiting batch closure.
      • Click the View button next to Current Batch Report.
   2. Outstanding Authorization Report
      • Pending authorizations waiting to be converted to sales.
      • To convert an authorization to sale, click the View button next to Outstanding Authorization Report
      • Find the transaction you wish to convert to a sale, and click the corresponding check box in the right column
      • Click the Convert to Sales button at the bottom of the page.
   3. Today's Decline Report
      • All transactions declined on that day.
      • Click the View button next to Today's Decline Report.
   4. Activity Reports
      • Transactions that have been authorized and closed.
      • Under Activity Reports, you may optionally select report parameters such as whole or partial credit card number, invoice number, customer/company name, or transaction ID. The default parameter is - All Transactions Within Date Range
      • Choose a report based on the desired day, month, date range, by batch, or by ePNPlugin Download (only for users of the ePNPlugin for QuickBooks®).

1. Login to the Merchant Support Center
2. Click Online Terminal in the side bar menu.
3. Enter the Amount.
4. For Transaction Type select Voice Auth.
5. Enter the Authorization number given to you into the Voice Auth text box.
6. Complete the rest of the form as usual.
7. Click the Submit Transaction button.

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.
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.

NOTE: You may find your MSP (Merchant Service Provider) phone number, by logging into Merchant Support Center and clicking on Deposits.

A DECLINED response means that the card holder's issuing bank will not pay you, the merchant, for that transaction.

eProcessing Network processes transactions for merchants using each merchant's own merchant account. These transactions are processed through the processor, using each merchant's own acquiring bank. eProcessingNetwork simply returns you the response given to us from the processor who, in turn, is simply getting 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:

• The cardholder has exceeded the account's credit limit.
• The cardholder is late on payment to the issuing bank.
• The cardholder has specified to the issuing bank that the cardholder would not like Internet-based transactions to be approved for that card.

Because eProcessing Network 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.

Yes, you can upload a file with transactions to process by following these steps:

1. Login to the Merchant Support Center
2. Click Batch Upload in the side bar menu.
3. Follow the directions on the screen.

eProcessing Network obtains approvals for transactions on a real-time basis, and saves approved transactions into a batch.

eProcessing Network 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 eProcessing Network 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 eProcessing Network, you must contact your Merchant Service Provider.

eProcessing Network processes merchants transactions using each merchant's own merchant account. eProcessing Network 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 eProcessing Network as to whether the transaction is approved or declined. eProcessing Network NEVER makes a decision on accepting a credit card other than to confirm that the card number and expiration date given are valid.

eProcessing Network 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 eProcessing Network are your proof that your processor has accepted your batch for settlement.

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.

The Address Verification System (AVS) is a system whereby eProcessing Network, when connecting to your customers issuing bank through your MSP's 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 customer's 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 eProcessing Network 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 charge backs. For details on rates and charge backs, 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.

By default, eProcessing Network 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 charge back problems that can be caused by accepting transactions without obtaining AVS and CVV2 matches, eProcessing Network offers the ability for merchants to configure their eProcessing Network account to accept transactions from their Web site only if the AVS and CVV2 are both a match.

eProcessing Network 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 eProcessing Network 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.

eProcessing Network calls this system AuthConvert, and merchants can configure their Web site to process in this way in the Processing Control section of the eProcessing Network 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 eProcessing Networks ePNCart, Web Order Template, Database Engine Template or Transparent Database Engine Template. AuthConvert does not apply to transactions processed through eProcessing Networks Online Terminal, or through eProcessing Network using third-party shopping carts.

Open the ePNMobile Android app, and then click the Menu key on the phone. Two options, About and Configure, will appear. Choose Configure. When the Configuration page appears, click the Menu key again and choose Reactivate Terminal.

On the next screen, click Activate My Account and enter your Terminal ID from the ePNMobile Config section of our merchant site.

Open the ePNMobile iPhone app, and then click the Settings button at the top. Click "Reactivate My Account".

On the next screen, click Activate My Account and enter your Terminal ID from the ePNMobile Config section of our merchant site.

When installing ePNJPOS v4.2.34 or higher, it is possible to receive the error message below. This error means that your PC is 32-bit while ePNJPOS v4.2.34 and higher requires a 64-bit PC to install and run.

Open the ePNMobile iPhone app, and then click the Settings button at the top. Click "Reactivate My Account".

On the next screen, click Activate My Account and enter your Terminal ID from the ePNMobile Config section of our merchant site.

1. Login to the Merchant Support Center
2. Click Online Terminal in the side bar menu.
3. Enter the amount.
4. For payment type, select ePNRecur.
5. For Transaction Type, select Recur.
6. Complete the rest of the form as normal.
7. Click the Submit Transaction button.
8. If the transaction is approved, you will see a message stating "Your Initial Sale of a Recurring transaction has been approved." Below that the transaction details will be shown, followed by two buttons, one labeled "Make This Transaction Recurring" and the other labeled "Process Another Transaction".
9. Click the button labeled "Make This Transaction Recurring".
10. The next screen will allow you to edit the recur by entering the amount, the start date, the frequency, and optionally, the number of recurs. The recur date is determined by the Start Date you enter as well as the frequency (monthly, bi-weekly, etc.). "Number of Recurs" gives you the option of specifying the number of recurs you wish to process in the future. By default this is set to zero (0). If you want the recur to continue indefinitely, just leave it at zero.
11. Enter the customer's information again under the "Transaction Information" section.
12. Click the button labeled "Convert to Recur" to complete the recur.

1. Login to the Merchant Support Center
2. Click Recuring Billingin the side bar menu. If this option is missing then you are not set up for ePNRecur and should talk to your salesperson about adding it.
3. Once you're in the ePNRecur Config screen, you should see a button on the top left that says "Quick Add Recur". Click this button.
4. The next screen will allow you to edit the recur by entering the amount, the start date, the frequency, and optionally, the number of recurs. The recur date is determined by the Start Date you enter as well as the frequency (monthly, bi-weekly, etc.). Number of Recurs gives you the option of specifying the number of recurs you wish to process in the future. By default this is set to zero (0). If you want the recur to continue indefinitely, just leave it at zero.
5. Enter the customer information. Street address and zip code are not required to complete the transaction, but are required to qualify for AVS at your MSP.
6. The "Identifier" field is for your use.
7. Enter payment information.
8. Click the "Add Recur" button.

Open the ePNMobile iPhone app, and then click the Settings button at the top. Click "Reactivate My Account".

On the next screen, click Activate My Account and enter your Terminal ID from the ePNMobile Config section of our merchant site.

1. Click Recurring Billing in the side bar menu.
2. Search for your record want to update, once located click Edit.
3. Click the button "Charge Card"
4. Change the recur amount if necessary.
5. Clicking the check box "Apply to Recur" will decrement the current set of payments or it will be a standalone sale.
6. Having "Email Receipt" checked will email a receipt to the customer. You may un-check this if you wish.
7. Click "Submit" to charge the card.

Login to the Merchant Support Center
1. Click Recurring Billing in the side bar menu. If this option is missing, then you are not set up for ePNRecur and should talk to your sales office about adding it.
2. From the recur page, you can Quick Search for an existing recur using the customer or company name, the Recur ID, or by your own identifier (which you would've added to the "Identifier" field when you originally created the recur).
3. You can also view the "Recurring Reports" section to bring up recurs based on a month, current recurs, recurs scheduled for a future date, or based on the expiration date of the credit card.
4. Once you've found the recur via the above-mentioned tools, click the "Edit" button to the right.

1. You can change the recur amount by entering the new amount in the box labeled "Override Recur Amount".
2. Update the customer's contact information if necessary.
3. Click the "Save Changes" button.

1. From the Suspend Status pull down menu, choose how long you wish to suspend the recur.
2. Click the button "Save Changes" further down the page.

1. Click the button "Enter Credit Card".
2. Enter the new information.
3. Click "Submit".

1. Click the "Modify Day or Period of Recur" button.
2. Specify the recur amount
3. Change start date, frequency, and number of recurs as needed.
4. Click "Submit".

1. Click the button "Cancel Recur".
2. You will be prompted to confirm your decision. Click "Ok" to cancel the recur.

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 eProcessing Network 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. eProcessing Networks' ePNCart is easy to configure and use.

There is no limit to the number of items a merchant can offer through eProcessing Networks' order form or shopping cart, and there is no reason a merchant can't use both methods from the merchants Web page.

eProcessing Network offers the eProcessing Network 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.

NOTE: You MUST have an Internet Basic account to access the Order Form Generator. Talk to your sales office about adding this service.

1. Login to the Merchant Support Center
2. Click Settings in the side bar menu, then click Resources.
3. Scroll to the bottom of the page and click the link "Order Form Generator".
4. Page-Specific Options:
   • Include a company logo This image will be displayed at the top of the order form.
   • Include a background image - This will be a tiled image displayed under the text of the website. It is recommended that this not be brightly-colored as it may distract from the content of the page and make it difficult to read.
   • Include a message across the top - This text will be displayed at the top of the order form.
   • Include a message across the bottom - This text will be displayed at the bottom of the order form.
5. Product-Specific Options: Number of Products on the page - Enter the number of different products or services you plan to sell.
6. Advanced Options:
   • Include Shipping Options - Enter the number of shipping options you wish to offer.
   • Include Sales Tax Prompt
   • Make this order Recur? - Choose an optional recur method. This option will ONLY be available if you have our ePNRecur Advanced service. Talk to your sales office about adding this feature.
7. Click "Continue " to proceed to the next page. The options you chose on the first page will determine what's available on the second page.
8. Page-Specific Options:
   • URL to Image Directory - Enter the address for the folder on your web site in which your images are stored (For example: http://www.YourURL.com/images).
   • Enter the Page Title - This is what will be displayed in the web browser's title bar when the page is loaded.
   • Choose the color for the page background or accept the default (may be overridden if a background image was chosen on the previous page).
   • Choose the colors for links on the order form or accept the defaults.
   • Name of Company Logo Image - This will be the filename of the company logo.
   • Specify the web page address (URL) you wish the customer to return to after their order is complete.
   • Company Logo Image Alignment - This will align the image on the left, center, or right of the page.
   • VeriSign® Seal Position - This will determine the alignment of the VeriSign? logo in respect to your company logo.
   • Top Message and Top Message Alignment - Set the message you'd like displayed at the top of the order form and how it should be aligned.
   • Bottom Message and Bottom Message Alignment - Set the message you'd like displayed at the bottom of the order form and how it should be aligned.
   • URL for your customers to return to after processing their transaction - After the customer completes the order, this URL enter here will be loaded.
9. Product-Specific Options:
   • Configure the quantity, description, and price options for each product.
10. Advanced Options
    • Configure your shipping options. If you wish to change the number of shipping options you originally chose, just hit your browser's back button.
    • Choose the state or province for which you wish to charge sales tax and enter the tax percentage as a decimal (i.e., 0.0825 for 8.25%).

Click "Generate" to proceed to the finished order page.

To save this page, choose File and Save as from your browser's menu bar. You may receive a popup message warning that the webpage might not save properly. If so, disregard this warning by clicking "Yes".

Be sure to save the page as a webpage/HTML file with the extension .htm or .html (e.g.: orderform.htm, or order_form.html). Do not use spaces in the file name, as this may cause problems on the server.

Save the file somewhere on your computer where you can find it easily.

This file will then need to be uploaded to your web server. If the image directory and file name information you provided was correct, the images will be displayed on the order form once you upload it to the server.

Note: ePNCart is an optional service and must be added by your sales office.
1. Login to the Merchant Support Center
2. Click Web Services from the side bar menu, then click Cart Settings.
3. 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.
4. Define the number of Shipping Methods you wish to offer your customers, as well as the description and cost of each method. By default, shipping is set to flat rate.
5. Once your tax and shipping methods are set, you have two options for integrating the ePNCart with your site.

Note: ePNCart is an optional service and must be added by your sales office.
1. Login to the Merchant Support Center
2. Click Web Services from the side bar menu, then click Cart Settings.
3. Scroll doew until you see Products / Services
4. Fill out the Product Description, Cost and Return URL fields.
5. Click the button titled "Button".
6. A sample button will be shown and the required HTML code will be displayed for you to cut and paste the button into your existing order form.

Allows you to create Web pages 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 ePNCart Page Generator 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.

1. The page generator is available by following the link under the PRODUCTS / SERVICES section of the ePNCart Config page.
2. Follow the prompts to set up your order form.
3. Choose File > Save As from your web browser's menu bar to save the finished order form to your desktop.
4. Upload the file to your Web site.

Most popular third-party shopping carts allow merchants to simply select eProcessing Network as their payment processor and then prompt the merchant for their eProcessing Network Account Number. A few carts, however, have more specific configuration requirements.

eProcessing Network is always happy to work with developers to assist them in integrating our Secure Transaction Processing Services into new shopping carts.

If you are utilizing a third-party shopping cart that has not yet integrated eProcessing Network, you are welcome to provide them with the following information:

1. Online documentation
2. Email support: Support@eProcessingNetwork.com
3. Phone Support: (713) 880-0327 | 7:00 AM - 7:00 PM Central M-F

When third-party shopping cart developers contact us about integrating eProcessing Network into their cart, we do not require them to have, or have access to, an eProcessing Network 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 eProcessing Network Reseller Support Center.

If your third party cart offers Authorize.Net^TM eProcessing Network also offers emulation of Authorize.Net TM. This makes it easy for developers who have already integrated Authorize.Net^TM to utilize eProcessing Network Transaction Processing Services.

Typically all a developer has to do is change the URL they access from:

https://secure.authorize.net/gateway/transact.dll

to

https://www.eProcessingNetwork.Com/cgi-bin/an/order.pl.

Pass in the merchants' eProcessing Network Account Number as the x_login.

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.

You may use GoDaddy® for hosting using any of our web integrations or any third-party shopping carts that you install, but any of their pre-installed shopping carts are not compatible with us.

You can test a transaction through your Web site by using your eProcessing Network Account Number as the credit card number. Whenever the credit card number is equal to the eProcessing Network 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 merchant's Current Batch or Activity Reports.

Emails are sent for each and every transaction processed from your Web site regardless of whether you're using eProcessing Network's ePNCart, Order Form or any of eProcessing Network'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.

For merchants using custom order forms, custom shopping carts and most other specialized situations, eProcessing Network 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 eProcessing Network's Web site.

eProcessing Network offers a convenient way of diagnosing problems you may encounter with your integration. Temporarily change the URL you are POSTing your transaction to the following URL and include a variable called email (case insensitive) and this will send a reflection of your variables and their value to that email address.

https://www.eprocessingnetwork.com/cgi-bin/Reflect/transact.pl

This URL will generate a Web page that displays exactly what was sent to it, enabling you to confirm that you are correctly sending required information.

If you are having problems posting to our Reflection script please try posting to:
http://support.eprocessingnetwork.com/test-cgi-bin/Post.pl

If you can successfully post to this URL this indicates that you have an issue with posting securely from your web server.

A merchant account is an agreement between a merchant, an acquiring bank, Visa, MasterCard, and possibly American Express, Discover, Diners Club, JCB, etc.

eProcessing Network 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, eProcessing Network processes merchant's Internet transactions using each Internet merchant's own merchant account.

eProcessing Network is essentially the Internet equivalent of the swipe hardware found in retail stores, with quite a bit of enhanced functionality specific to Internet processing.

eProcessing Network 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 eProcessing Network 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 eProcessing Network processes transactions for merchants using each merchant's own merchant account, we provide each merchant with the response returned by their acquiring bank's processor. These responses are documented 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:

• Why is a transaction being DECLINED when the customer says the card is good?
• Why does the AVS response state that the customer's address is not a match when the customer says the address information is correct?
• Why aren't American Express or Discover transactions being accepted?

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 merchant's bank accounts.

You must have a merchant account with an Acquiring Bank to process transactions through eProcessing Network.

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.

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 eProcessing Network to process those card types for you on your behalf.

Because of the fact that eProcessing Network 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 MSP's Customer Service Departments Toll-Free phone number on the Welcome kit they should provide you with and on the monthly statement they send you.

eProcessing Network 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 customer's 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 customer's monthly credit card statement, you must contact your MSP.

A merchant account is an agreement between a merchant, an acquiring bank, Visa, MasterCard, and possibly American Express, Discover, Diners Club, JCB, etc.

eProcessing Network 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, eProcessing Network processes merchant's Internet transactions using each Internet merchant's own merchant account.

eProcessing Network is essentially the Internet equivalent of the swipe hardware found in retail stores, with quite a bit of enhanced functionality specific to Internet processing.

eProcessing Network 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 eProcessing Network 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 eProcessing Network processes transactions for merchants using each merchant's own merchant account, we provide each merchant with the response returned by their acquiring bank's processor. These responses are documented 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:

• Why is a transaction being DECLINED when the customer says the card is good?
• Why does the AVS response state that the customer's address is not a match when the customer says the address information is correct?
• Why aren't American Express or Discover transactions being accepted?

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.

eProcessing Network 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, it should have the option that allows you to clear its memory of the password.

To change the password used to access our system, log in to the ePN/MSC with your eProcessing Network Username/Account Number and current password.

1. Click Settings from the side bar menu.
2. Select Change Passowrd.
3. Enter your old password for verification.
4. Enter the desired new password twice
5. Click on the Change Password button.

To change the email address used to notify you of processed transactions, log in to the ePN/MSC with your eProcessing Network Username/Account Number and current password.

Select Account Config in the drop down 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 them 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 eProcessing Network 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 cannot access the ePN/MSC, then we suggest that you confirm the following:

• Is your Caps Lock key on? Passwords ARE cASe-seNSItIVe!
• Is your Save this password in your password list option checked? Have you changed your password since you checked that option? If so, then you have locked yourself out of the ePN/MSC. We recommend you never use the Save this password in your password list option with any browser at any Web site.
• Are you sure you have the correct password

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 eProcessing Network.

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 eProcessing Network 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 eProcessing Network 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 eProcessing Network Merchant Service Agreement with the eProcessing Network 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.

Use of the eProcessing Network Password Reset Request Form requires you to have Adobe® Acrobat® Reader installed. If you do not have Adobe® Acrobat® Reader installed on your computer, you can install it, free of charge, by clicking on the Get Acrobat Reader logo to the right and following Adobe's® instructions.

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 eProcessing Network to process those card types for you on your behalf:

1. Login to the Merchant Support Center
2. Click Settings in the side bar menu, then click Account Config.
3. Click the respective check box(es) for the desired card type(s).
4. Click the button labeled "Change Card Types ".

Because of the fact that eProcessing Network 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 MSP's Customer Service Departments Toll-Free phone number on the Welcome kit they should provide you with and on the monthly statement they send you.

If you change your bank account, you must download, print, complete, sign and fax us (713 880-0330) the eProcessing Network 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.

Use of the eProcessing Network Password Reset Request Form requires you to have Adobe® Acrobat® Reader installed. If you do not have Adobe® Acrobat® Reader installed on your computer, you can install it, free of charge, by clicking on the Get Acrobat Reader logo to the right and following Adobe's® instructions.