Core Reporting User Manual for Direct Users
Contents
1. This is the entity that submits the merchant s payment transactions to the card issuers for authorization and settlement through the card association s network Visa MasterCard etc Address Verification Service AVS The process of validating a cardholder s given address against the issuer s records to determine accuracy and deter fraud This service is provided as part of a credit card authorization for mail order telephone order transactions A code is returned with the authorization result that indicates the level of accuracy of the address match and helps secure the most favorable interchange rates Adjustment An adjustment is initiated by the acquirer to correct a processing error The error could be a duplication of a transaction or the result of a cardholder dispute The acquirer debits or credits the merchant s account and may withhold money from the merchant s next deposit for the dollar amount of the adjustment Assessments Assessments are processing fees merchants pay to the Card Associations to finance their roles in operating the network setting rules setting pricing research and development and marketing branding They are a set percentage of the sale and are generally collected on a daily or monthly basis Page 27 EPICOR Payment Exchange Associations Card Associations Any entity formed to administer and promote credit and cards The best known examples of Associations are MasterCard and Visa2. field 7 1 2 Variance Tool drop down selection screen Exact Amount w You can click on a card number hyperlink to view transaction details about that specific entry 7 1 3 Transaction Details screen Card Search Authorizations Sales Batch History Payment History Statements Retievals Chargebacks Y Home gt Transaction Reports gt Card Search gt Sale Transaction 3087621701957 Merchant Processor Information Merchant Name EPICOR HARDWARE STORE Card Information Card Number 443044 2900 Card Type Visa Transaction Information Type Sale Authorized Amount 11 55 Reference Number 3087621701957 Terminal Number 1 Response Information Address Verification n a eCommerce Indicator n a POS Entry Mode 90 Stripe Sent Sales Reject Code Original Currency Code 840 USA EPICOR Payment Exchange MID 16512345 Expiration Date 0313 Date 8 3 2012 Settled Amount 11 55 Approval Code 944385 Transaction Batch View Page 15 Note A single transaction may display 2 rows in card search one row is the authorization and the second is the sale transaction Both rows will share the same approval number 7 2 Authorizations Select Authorizations to view approval activity for a specific date range This feature may not be used as often as the card search since card search displays authorizations along with all other activity on a customer s bank card Just as illust
3. account number expiration date name and service code may be extracted and retained if needed for business Manual Close A batch close that must be initiated by the merchant on a daily basis as opposed to an auto close at a pre set time Merchant Identification Number MID This number is generated by a processor acquirer and is specific to each individual merchant location This number is used to identify the merchant during processing of daily transactions rejects adjustments chargebacks end of month processing fees etc Page 32 EPICOR Payment Exchange MOTO Mail Order Telephone Order transactions Address Verification AVS is often used to validate bankcards provided by customers for phone or internet orders Network Company and system used to authorize and capture credit card transactions Non Qualified Transaction Fees Non Qual Bankcard sales transactions that do not meet set Visa MasterCard criteria for that particular merchant and are processed at a higher interchange rate An example of this is a merchant that is retail card present that processes a card not present transaction or manually enters card data rather than swiping the magnetic stripe through the terminal The merchant will pay the difference between what they should have paid on retail and what they actually qualified for card not present This difference is called non qualified interchange fees Offline Point of Sale OPOS Offline Po
4. online reporting from any computer with an Internet connection My Account View and update your account details 2 Logging In You must log into the Core Management System each time you wish to access Core Reporting If you are the system owner or administrator you should have received an e mail with login instructions Please contact Epicor Payment Exchange by phone at 1 800 322 3077 or by e mail at epxsupport epx epcor com if you have not received this information or require additional instructions To login for the first time enter the login indicated on your e mail usually this is your Merchant ID number as the Username The temporary password assigned for your first login is also Page 3 EPICOR Payment Exchange indicated on your e mail It is better to copy and paste your initial password since it can be composed of a rather lengthy string of characters and is caps sensitive There is only one main account provided per business location Multi location businesses will also receive a corporate login which permits an owner or administrator to view and access reports and statements for any business unit or store from a single screen Each location may require that multiple users or individuals have access to Core Reporting Virtual Terminal and other Core Management System features Sharing passwords and logins should not be allowed since it is a violation of PCI data security standards and puts your
5. 60 days over the past 13 months Card Search Authorizations Columns identified with labels in blue underlined fonts may be sorted Hover the cursor over the column label to confirm this capability 4 0 4 Field label on sort able column Details Summary Create Date Transactions 14 sf 11 4 7 Click here to sort the results by this column in an descending order Some fields like the date field shown below 4 0 5 have a drop down arrow When you click the drop down on a date field a calendar is displayed In this case could choose a specific single date by clicking on the calendar or I can select a range of dates To select a range of Page 11 EPICOR Payment Exchange dates just click on the first date that you wish to include and while holding the shift key click on the last date of the range all dates between the two should be highlighted in blue To select an entire month just click the link for the appropriate month at the bottom of the calendar When you have made your selection click the search button to execute the search click apply to apply the selection to the field without executing the search or click cancel to close the dropdown without a selection 4 0 5 Calendar drop down selection Actions lt October 7011 November 2011 December 27011 gt Su Mo Tu We Th Fr Mo Tu We Th Su Mo Tu We Th 1 2 34 5 123 7 8 9 10 11 12 EiS a 16 17
6. Audio Response Unit ARU An electronic authorization and capture device allowing a merchant uses a touch tone telephone to process transactions Authorization A validated inquiry indicating that the card is legitimate and has a sufficient line of credit to cover the purchase Depending on the card and type of transaction this may be the end of the processor s involvement in the process Authorization Code A code that an issuing bank returns in an electronic message to the merchant s POS equipment that indicates approval of the bankcard transaction The code serves as proof of authorization Authorization Response A financial institution s electronic message reply to an authorization request which may include an Approval transaction was approved a Decline transaction was not approved or Call Center response pending more information merchant must call the toll free authorization phone number BackEnd System Accepts captured transactions and card information from equipment amp software typically at Point of Sale The BackEnd System calculates the appropriate fees and pays the merchant and other participants involved in the process Bankcard A card issued by a Visa or MasterCard sponsored financial institution Note that American Express Discover Diners Club JCB etc are not issued through banks but issued directly from their respective operations Batch A group of one or more bankcard transactions in
7. New Rules approved by the Department of Justice were released from Visa and MasterCard Payment History Your business may now ask or incent your customers to use alternative forms of payment other than a Visa or Jaai MasterCard Discounts can be offered on alternate card brands card types or payment types Card brand or payment method preference can now be promoted as well as the ability to inform your customers of the costs Retrievals associated with accepting a particular card type or brand Chargebacks Please click on the following link to view the changes fram Vi Hvperlink for pdf attachment Visa and MasterCard Revised U S Acceptance Rules Acknowledge Transaction Reports options Transactions Dril down to transaction level details or view month end statements batch history and payment details Announcement titles along with the message description and the date of acknowledgement are retained in your system should you wish to review them 6 0 2 Notification list Virtual Terminal Reporting My Account Session History Y Transaction Reports Transactions EPICOR GLOBAL ACCOUNT w Virtual Terminal gt View Transactions gt Today gt Transaction Reports Card Search Authorizations Important Notifications Sales Title Message Acknowledged Date Tax ID Announcement Effective with the 2011t 12 15 11 05 22 Payment History Visa amp MasterCard Settlement New Rules approved by the 12 15 11 0
8. Search EPICOR HARDWARE STORE wv Home gt Transaction Reports gt Payment History Date Range August 2012 Transaction Amount Authorizations Sales Actions i i Csv Xml n Print Batch History Payment History Statements Amount 1 500 11 2 399 49 983 95 1 051 07 811 95 Create Date 8 14 2012 8 13 2012 8 11 2012 8 10 2012 8 9 2012 Effective Date 8 15 2012 8 14 2012 8 13 2012 8 13 2012 8 10 2012 Retrievals Chargebacks Click the date link in the Create Date column to display deposit details 7 5 2 Payment History details screen Session History Y Home Virtual Terminal Reporting My Account Transaction Reports Transactions Card Search EPICOR HARDWARE STORE wv Home gt Transaction Reports gt Payment History gt Payment Details Displaying deposit details for 08 14 2 Transaction Amount 5 00 Authorizations Sales Batch History Payment History Statements Actions i Csv Xml an Pri Reason Code E16 T amp E TOTAL Amount Type 3rd Party Settled Settled Category American Express Amount 52 81 1 552 92 1 500 11 Retrievals Chargebacks Visa MasterCard Discover Totak Page 1 Page Size 15 2 records matched search criteria 7 6 Statements Create Date 8 14 2012 8 14 2012 5 00 Bank Account FEEFFE 197 FEtEFtG 197 2 5 107 tEttttG 197 22 5 197 Original Dat
9. and maintain other users on the system providing access for others within your business 2 0 4 My Account Tab E E C C R Welcome Back shay Logout Payment Exchange Home Virtual Terminal Reporting Session History Y My Account Account Settings Select this option to update your password Select this option to add Sub Users to your account Enter the old or existing password enter the new password and then enter the new password again to confirm it Your password is changed when you click Submit 2 0 5 Account Settings Screen Home Virtual Terminal Reporting My Account Session History Y Account Settings My Account gt Account Settings Update Your Password Passwords must meet the following requirements Is at least eight characters Has not been used in previous four passwords Does not contain your username firstname or lastname Contains at least one english uppercase character A through zZ Contains at least one english lowercase character a through z Contains at least one numeral 0 through 9 Old Password New Password Confirm Password Submit 3 Setting up Sub Users To provide access to Core Management System s capabilities including Virtual Terminal the main account holder will be able to establish Sub Users As stated earlier each Core Management System user should access the system with an individual login and a password known only to the
10. receive a separate statement from them Section 4 Processing Detail lists fees by charge type Charge type is the type of fee for a specific transaction and card product used Charge type may vary by Visa MasterCard and reward program See chart below 9 0 2 You can find the processing detail total listed on the Payment History screen at the beginning of the month immediately following the statement Section 5 Authorization Detail reflects all authorizations and the card type and method of authorization Section 6 Other Detail lists miscellaneous services and fees Some fees can include Visa Misuse fees that are assessed due to unused approvals Section 7 Summary will reflect processing and authorization and other services that have been provided You may also find this amount listed in Payment History 9 0 2 Charge Type code definition Card Visa MasterCard Type of Card Product Cash Advance transactions Credit Cards Visa Rewards and Signature Cards MasterCard World Card Chargebacks on previous transactions Check Cards Charge Type 1100 1199 1200 1299 1300 1399 1400 1499 1500 1599 1600 1699 1700 1799 1800 1899 1900 1999 Visa MasterCard Visa MasterCard Visa MasterCard Visa MasterCard Visa MasterCard Business and Corporate Cards Visa MasterCard PIM Debut Other Purchasing Cards PIN Debit Cards Transactions for reporting purposes only sent to Thir
11. 11 12 13 14 15 23 24 25 26 18 T19 20 21 2722 2 H4 30 25 26 27 28 29 3 Details Summary Pu Lid a LN on a oo a Create Date 12 23 11 12 16 11 Total Page 1 Page Size 15 2 Click on hyperlink an Feb Mar Apr May Jun Jul Aug Sep Oct Nov Jow E lt to select Ll ri P entire month Tip To return to a previously viewed screen or function use the Session History tab rather than the back arrow on your browser Using the back arrow will clear fields in which you have entered data making re entry necessary The Session History selection will preserve entries 5 Information for former ProtoBase merchants If you previously used ProtoBase you should be aware of some key differences With ProtoBase your transactions used a 3 party gateway The PBSTL or ProtoBase settlement report was run manually or placed in a nightly queue to settle your transactions If the PBSTL failed to run bankcard transactions were not settled Itis no longer necessary to take any action or depend upon a report in order to settle your transactions with Epicor Direct Processing As payment cards are authorized and posted they are stored on a secure host Each night at 1 00 AM Central Time the transactions are settled from the host and not from your local server This means that your bankcards will settle even if your end of d
12. 5 24 Statements Retrievals Transaction Reports options Batch History Chargebacks Transactions Drill down to transaction level details or view month end statements batch history and payment details 7 Transaction Reports When you select the Reporting tab there are 2 categories of reports available Transaction Reports and Summary Reports Transaction Reports are more detailed than the summary reports Page 13 EPICOR Payment Exchange 7 0 1 Transaction Reports tab Virtual Terminal E lransachon Reports Card Search Authorizations Sales Drill do Batch History Payment History Statements Retrieval Chargebacks On any of the reporting screens you will find a set of Actions buttons that allow you to print display an xml view or create a csv file to export your report to a spreadsheet or ie party application 7 0 2 Report Actions buttons Actions F Csv Xml ash Print 7 1 Card Search The card search is a handy tool for identifying duplicate charges on a customer s bankcard but it will display all activity as well You will see charges credits and authorizations for cards within the search range When you select the card search link you may enter the last 4 digits of a card number along with a date range and or transaction amount If you are searching for a specific dollar amount on which to balance your statement or reports you may simply enter a tra
13. 9 mwright Enter your Username and email address and your o sessecesess password will be emailed to you Username m123456 69 mwright SUBMIT Email j mwright emal net SUBMIT Enter Username amp oo Password click Submit For forgotten passwords enter Username amp Email click Submit Once logged in if Core Reporting or the Core Management System sits idle for 15 minutes you will automatically be logged out When you have finished using Core Reporting it is a good idea to log out of the application Make sure to click the logout hyperlink in the upper right hand corner of your Core Reporting window 2 0 2 Logout Hyperlink Welcome Back Sea Logout l My Account Session History Y If your session expires you will see a message similar to the one displayed below with the screen in the background grayed out If you log back in you can return to the screen that you had previously viewed in most instances 2 0 3 Expired Session Message 4 Your session has expired please login to continue Username m16568666 rbishop Password SUBMIT The Account Settings tab and link is found on the My Account tab for both sub users and main account holders This allows all users to modify their passwords at their discretion For the main account only there will be a Sub User tab or selection under the My Account tab Page 5 EPICOR Payment Exchange this is used to establish
14. ARE STORE v Home gt Transaction Reports gt Batch History gt Sales Card Search Pee i Displaying transactions from batch submitted 08 15 12 gt Sales gt Actions Csv Xml asm Print Batch History Card Number Amount Card Type Trans Type Date Entry Mode Approval Terminal 480704 7759 6 16 Visa Sale 08 14 12 90 Stripe Sent 046838 544430 0456 110 50 MasterCard Sale 08 14 12 90 Stripe Sent 029221 Payment History Statements Retrievals 441103 5269 12 36 Visa 08 14 12 90 Stripe Sent 015809 Chargebacks 372889 1002 4 56 AmericanExpress 08 14 12 90 Stripe Sent 523465 601120 2608 10 66 Discover 08 14 12 02 Magnetic Stripe 01400R 431231 6530 11 04 Visa 08 14 12 90 Stripe Sent 051410 Page 17 EPICOR Payment Exchange 7 5 Payment History The payment history link provides daily and month end payment information Search by date range and transaction amount and you can also apply a specific variance dollar value for the search as described in section 7 1 The Payment History displays by date amount and bank account Use Payment History to balance to your bank statement At the beginning of the month you will see the processing fees listed from the previous month s statement 7 5 1 Payment History screen Home Reporting My Account Session History Virtual Terminal Transaction Reports Transactions Card
15. Core Reporting User Manual for Direct Users EPICOR Payment Exchange Table of Contents de ia 01018 ela o 1 EE E TA nanny E er etree nae ee ree ee ee ee en E eer 3 2 NO INS UV ssc aerate ey pate oa omnes nectar tow eas pots pena A E A 3 2 SOUS Up SUC coasts cyccosanse cows T ante se ooeiuee ico ecoeaes 6 IVAN ON ea a E ve isieaa paw dapat feudasoute Hang toa E sepacedetmda contend Goon deniaeomientacctucnias 10 5 Information for former ProtoBase Merchants cccsssssssscccccccesessseecceceesaeeeeeeeceseesauauseeeeceeessaneegsess 12 6 Special Announcements amp Notifications ccccccessecccceseccccesscceceesececcesececeeeeccessusecessugeceesegeceeseeeeeetas 13 L TAa EO RS OS rapccleec ice tsec tenet canecnrna ar einendanednanaeraietanenancaaroeenonssonde wen varnoeaunenmeunieumeeneaneneseunanes 13 TMM Gl SSA MI rece Sosy an A geen Soeiem ens E E S E 14 Te ARON QUOI 5 ccna E nn agnaaaquint A E E E E E E 16 TB SNCS E A A E E A E AT A A A E A AA 16 TAB AUC MN O A E E EA E E 17 Fs PAV CIE RIS TO ore EEE 18 Fo ENE ei n E E E E E E aciraneseanseseencs 18 PR IGN Se E E A E A EA A E E TE A A 21 POCA E DI a E E ee ee 22 S SWMM REPOT S nr E E E E E 23 9 Additional Statement InformatiOn sssss ereesisserreriicsssesisirrrrssererrni rienda n a n a 25 10 Glossary Of Teris cccccsscssresvessrsercsserersarsresversrsercsseren nc R a a aan 27 Page 2 EPICOR Payment Exchange 1 Introduction The Core Management S
16. P INC BALTIMORE MD REASON DISCOVER RETRIEVAL CF 05 17 11 3yo 008225489 GOLITOXXXAKAT355 3000 00 06 07 11 6 08 11 5116500077 QOGO000M00I 1500035201 1159286522708 3000 00 THE WSIDERS GROUP INC BALTIMORE MD REASON DISCOVER RETRIEVAL CP 06 1 11 Page 21 EPICOR Payment Exchange 7 8 Chargebacks A credit card transaction that is billed back to you after the sale has been settled is called a chargeback Chargebacks are initiated by the card issuer on behalf of the cardholder Typical cardholder disputes involve product delivery failure or product service dissatisfaction To view Chargebacks click Chargebacks on the Transaction Reports Main Menu 7 8 1 Chargeback report screen Here Virteal Terminal Gieperiing Hy Accent rarioa Hikiory Traniechion epeorts Transactions EPICOR HARDWARE STORE sot game A F Charpetiece Land Starch AENT Date Range 012 i Case Humber ines 5 Reso C Search lanh history Payment Hator i Enbor 3 cisa number or chk search bo wma al EL n Retie mr 7 8 2 Chargeback details screen taura Vetual I erwmal Reparto Resmsrr rrtrs ty Ask omnt Seta tiatory Y ELEMENT TEST MERCHANT Home gt hasain Reports wd Sead Ba SITAS hag get ack Case Histor Te Chargeback Information CaseNumber 172901047 Sequenceltumber OriginalReferencetumber 0000000000194620 AcquirerReferencettumber 24632697261261264 Bacto mere as DateTransaction 1 25 i Date
17. Post 9 1 Sea getachs Case Type 01 ReasonCode 75 Reason Description 75 JGN Date General Ledger 10 17 2007 General Ledger Amount 25 51 Date Worked 10 16 200 Date Resolved Address 100 Fake You should receive a fax indicating that a chargeback has occurred 7 8 3 Chargeback sample CHARGEBACKE ADJUSTMENT ADVICE 08 12 11 Respond by OOY0G 2011 LONG IS CITY NY 11101 This is a notification of a chargeback muitiated by Chase Bank USA National Association Reason V39 Credit Not Processed CODE 85 CASE NO 1121010656 1 0 Retail Sale CARDHOLDER NO 43885 2110 MERCHANT NO Ciiis REFERENCE NO 24632691 150150234148300 NAME carmare 1 wean awu NEW YORK TRANSACTION DATE 057 29 11 DDA 00000007920210254 POSTING DATE 0573011 TRANSACTION AMOUNT 860 11 RESOLVED DATE 08 11 11 CHARGEBACK AMOUNT 860 11 ORIGINAL REF NO 15088699 INVOICE TICKET NO 548245 RECEIVED DATE 07 28 11 ACTION TAKEN BY MERCHANT RESEARCH CENTER Verified this chargeback is valid and has been received within timeframes established by Association rules and regulations Verified the above Chargeback Adjustment Advice Information is accurate J4 because Credit OF 27 11 ATN 74632691 2092090891 15300 860 11 PLEASE BE AWARE You should review the Merchant Action Necessary to remedy Chargeback section of the accompanying Chargeback Adjustment Reversal Request Form This will aid you in identifymg the proper information or documents needed
18. Terminal Reporting Resource Center My Account Session History Summary Reports kane callifeee tame ELEMENT TEST MERCHANT w by Month by Day Processing Detail Grid Results Charts Activity Current Year Transaction Date Other Reports Transaction Count Amount March 2007 View Activity 13 16 04 Current Month April 2007 View Activity 8 0 49 yesterday May 2007 View Activity 5 1 04 l June 2007 View Activity 0 04 July 2007 View Activiby 8 3 20 August 2007 View Activity 0 01 The chart view may be helpful in providing a quick and easy look at peaks and valleys in volume and activity Page 23 EPICOR Payment Exchange 8 0 3 Volume amp Transactions by Month report chart view Home Wri emina Reperting Reon Lenter My Arcot Sesimi ty T BNL v Surman Reports gt Volume and Transactions gt bry Month Grid Resule Choris Awailable Charte Transaction Coun ality 200F December ADU shuns AG Aug Ah Seplembe A010 To view a detailed report of card types charge types processing fees interchange and assessments click on Processing Detail The current month s processing detail summary will populate To search for a specific date range enter the date range in the search box 8 0 4 Volume amp Transactions Processing Detail report screen Home irtual Terminal Reporting Resource Center My Account Session History Y Summary Reports ol
19. ay reports fail to run or your power fails With ProtoBase the PBSTL was used to balance your daily bankcard transactions to the Eagle RDS or RCK reports This process assured that all bankcard transactions posted on the Eagle were submitted to the processor For this purpose the PBSTL has now been replaced by a new report the EESTL The EESTL does not have to run for your settlement to occur The EESTL may be placed in a nightly queue and printed or viewed the following day in order to validate bankcard transactions Page 12 EPICOR Payment Exchange 6 Special Announcements amp Notifications As you go into Core Reporting you may find special announcements alerting you of changes to policies or updated general information about your bankcard processing Read these notifications carefully and then select the Acknowledge button to continue Some notifications or special announcements may have a link to a pdf attachment that contains additional information or more specific details You can display or download the file by clicking the link 6 0 1 Transaction Reports Tab Special Announcements Home Virtual Terminal Reporting MyAccount Session History Y Transaction Reports Transactions EPICOR GLOBAL ACCOUNT w Virtual Terminal gt View Transactions gt Today gt Transaction Reports Card Search Authorizations Important Notifications Sales eon O Visa amp MasterCard Settlement gt y
20. batches received and or processed The process date is the date that the batch was processed 3rd party batch account details are listed if transactions are sent to 3rd parties for processing and payment The best example is American Express if you accept American Express your statements will come directly from them but you will see transactions listed here Processing details include the fees and volume posted to each charge type Charge types are defined at the bottom of each statement If you hover over the charge type code displayed in blue you will see a pop up that displays the fee calculations for that card type Authorization details summarize the type of card authorized and method of authorization Additional fees such as the Visa Acquiring Process fee and MasterCard transaction fees are listed in the Other section Any chargeback transactions will be listed under a Chargeback Detail section The reason and corresponding case reference number will be included Page 19 EPICOR Payment Exchange 7 6 2 Statement image Print Eni p t Exch MERCHANT STATEMENT PICOr Payment CACnange ATLL STATEMENT FOR T683 Southtront Road eS f2010 Livermore CA 94554 CODE Benson VWayne Enterprises PRINCIPAL IC High Plains Paint amp Hardware ASSOCIATE 63 17077 Rd 74 ee Ault CO 80610 MERCHANT HBR ToOTT2e DBA High Plains Paint amp Hardware ACTIVITY FULIA Y Type Sales Tare Awg Sale Sheds redit Tran Met Amort Total Tra
21. business and its data security at risk For this reason the primary account holder business owner or system administrator may establish Sub users or other individual logins with passwords that have access to Core Management System s applications Once established by the main account holder sub users will receive an e mail with login instructions and a temporary password When you login for the first time you will be prompted to change your password This applies to a main account or any sub user accounts Use good judgment in creating passwords and apply the following rules Passwords must be e 8 characters or more e Must have at least 1 upper case letter e Atleast 1 lower case letter is required e There must be at least 1 number e Passwords cannot contain the first name or last name of the user e The login or user ID may not be contained within the password e Passwords expire within 90 days e Passwords may not be repeated or changed to any of the last 4 passwords As you log in the system allows 3 unsuccessful attempts before locking you out If you receive a user locked out message contact your system administrator If you forget your password enter your Username and Email and click submit In a few minutes you will receive an e mail with a temporary password Page 4 EPICOR Payment Exchange 2 0 1 Login Screen Customer Login Forgot your password Username m12345678
22. cord name e mail address Email Address rbishop epicor com and permissions Phone 970 515 62681 Active IV Core Reporting Privileges z g e Virtual Terminal Selecting Edit will open the Edit Sub User screen as illustrated in 3 0 6 You may change the first name last name e mail and phone fields A user record may also be indicated as inactive by unchecking the Active box Sub user records once created may not be deleted When a sub user no longer has reason to access the Core Management System the Active box should be unchecked Sub User Privileges may be added by checking or taken away by unchecking available selections Click Save when you have completed your changes 3 0 6 Edit Sub User Screen Home Virtual Terminal Reporting My Account Session History Y Sub Users _ Sub User Management My Account gt Sub Users gt View m16576227 rbishop gt Edit Sub User Add Sub User Search Edit Sub User m16576227 rbishop Required field Sub User Information First Name Rick as Last Name Bishop rbishop epicor com Uncheck amp click Save to remove Vv access Sub User Privileges Virtual Terminal Grants access to Virtual Terminal Credit Card processing MV Core Reporting Grants access to Core Reporting H Save Cancel Page 9 EPICOR Payment Exchange 4 Navigation If you are the primary user you should have access to all of the Core Management S
23. d Party for processing and payment failed processing edits and adjustments to payment 1000 1099 1Dxx 1F ux 1Fxx 1Lxx INxx 10xx 1Pxx 10xx 1Rxx 1Txx IVXX 1Wixx 1Xxx 1 xx Visa MasterCard ACH Bill Me Later Discover Discover Discover MasterCard MasterCard MasterCard MasterCard MasterCard MasterCard Visa Visa Visa Visa Visa Visa and MasterCard Check Cards ACH transactions Bill Me Later Transactions Credit Cards Debit Cards Commercial Cards World Elite Cards Business World Cards Business World Elite Cards Enhanced Credit Cards Corporate World Cards Corporate World Elite Cards Rewards and Signature Cards Business Cards Purchasing Cards Corporate Cards Signature Preferred Cards Page 26 EPICOR Payment Exchange 10 Glossary of Terms Acceptor A business that has qualified to accept credit or debit cards as payment ACH Automated Clearing House Standard banking industry process to move money from account to account The processor calculates and transmits ACH transactions to pay merchants and the other players for settled transactions A file with instructions for the exchange and settlement of electronic payments is passed between financial institutions It represents debits and credits to be deducted from an account automatically as they occur Acquirer Also referred to as the acquiring bank acquiring processor processor or merchant services provider
24. e 8 14 2012 8 14 2012 The Statement option provides you with your monthly processing statements The grid displays up to 13 months of statements To view a specific month s statement click the hyperlink in the Statement Date column Statements are available on the first business day of the month You must access them online they will not be faxed or mailed to you EPICOR Payment Exchange Page 18 7 6 1 Statements report screen Home Virtual Terminal Reporting Session History Transaction Reports Transactions EPICOR HARDWARE STORE w Home gt Transaction Reports gt Statements Card Search f Click date link to _ display Statement Authorizations Actions 1 Cov lt lt Xml Print Sales MID DBA Name Type 16595483 EPICOR HARDWARE STORE Monthly Payment History 16593488 EPICOR HARDWARE STORE Monthly June 2012 cbse 15593483 EPICOR HARDWARE STORE Monthly May 2012 Batch History Retrievals Page 1 Page Size 15 3 records matched search criteria Chargebacks Click on the date link in the Statement Date column to display the electronic image Each monthly statement includes an activity summary deposit detail information 3rd party batch account details processing details authorization details and other details The monthly activity summary lists each card type processed paid switched or reported The deposit detail information includes a daily accounting of all
25. ected for existing users The Sub User Privileges section provides 2 check boxes for access to Virtual Terminal and Core Reporting Select one or both of these boxes as needed for access to these features Left click on the Save icon at the bottom of the screen after completing the fields and selecting the desired check boxes Page EPICOR Payment Exchange 3 0 3 Add Sub User screen Home Virtual Terminal Reporting My Account Session History Y Sub Users Sub User Management My Account gt Sub Users gt Add Sub User gt Add Sub User Search Add Sub User Required field Sub User Information First Name Miranda Last Name Wright Required Fields mwright email net Sub User Privileges MV Virtual Terminal Grants access to Virtual Terminal Credit Card processing Core Reporting Grants access to Core Reporting To edit or change sub user records access the Sub User Management window and locate the desired user record in the grid If there are many records you may perform a Search by entering information in the header fields and choosing Search The rows in the grid contain the Username or login along with the required fields and the user privileges The row also contains 2 check boxes indicating if the record is Active or currently used and whether the record is Locked If a record is Locked a check will appear inside the box These are indicator
26. for us to make every effort to resolve this chargeback You must complete and return the Chargeback Adjustment Reversal Request form with your rebuttal documentation You must supply chargeback rebuttal documentation as specified above Failure to do so will result in the forfeiture of your reversal rights established by current Association rules and regulations Your business checking account has been debited for the chargeback amount If you have further questions please contact us at the number listed on the following page Page 22 EPICOR Payment Exchange 8 Summary Reports Summary reports also provide you with a graphical display of your data Hyperlinks provide an almost seamless connection between Summary reports and transaction reports In other words while you are viewing summary data you can click and drill down to more detailed transactional data 8 0 1 Transaction Details screen Virtual Terminal Reporting Summary Reports Yolume and Transactions by Year by Month by Day Reports Processing Detail Activity Activity SUTE Current Year Current Month Yesterday Summary reports help you to gauge your bankcard sales volume and transaction activity over a period of time You can view your data in a grid as illustrated below 8 1 2 or in a chart format as illustrated on the following page 8 1 3 8 0 2 Volume amp Transactions by Month Summary Report screen grid view Home irtual
27. ii Sha bearer bs Pletevals Changetacke 7 7 2 Retrieval Request sample OG 14 20 Mail Response Tex Epicor Payment Exchange 7683 Southfront Road Livermore CA 94551 T 800 322 3070 Trail Ridge Hardware Store 1827 Timberline Road Timber Ridge CO 80243 IMPORTANT Sales Draft Request Response Required F Tn Order to Avoid an Irreversible Debit it is Imperative that the Research Department Ret eive a Copy of the Sales Recetpt Invoice by 06 26 11 If this notice contains any PAST DUE ITE MS tie date is a reflection of the original request RESPONSE DUE by 06 26 11 The Issuing Bank of one of your credit card customers has requested a copy of the sales dral for a transaction thar you processed with Merchant Research Center Per Association rules and regulations copies of sales drafte must be retained for 18 months Please fax your response to 1 402 602 3084 or mail a copy to the above address The qualit of yc ur fax or copy must be COMPLETELY LEGIBLE If you have any questions regarding the enclos d informati n please call the number above Thank you for your prompt attention and cooperation in this tratter GOL LOOXXXAXX7355 3000 00 06 02 11 06 03 11 5116500037 O0 OOOONONNNO 110010201 1154307543205 4460 00 THE INSIDERS GROUP INC BALTIMORE MD ___ REASON DISCOVER RETRIEVAL __ D 0k29 GOLIOORRAR ARTIS 2000 00 0G 03 11 06 W 11 5116500034 0 000000000 11200032011 1553343515806 6025 00 THE INSIDERS GROU
28. individual POS station After you click Search the data displays in the grid as illustrated on this slide You can sort on any linked or blue underlined column heading and you ll notice the totals displayed at the bottom for the amount field And as we indicated in the previous sections clicking the card number link allows you to view transaction specific details Page 16 EPICOR Payment Exchange 7 3 1 Sales Report screen Home Virtual Terminal Reporting My Account Session History Y Transaction Reports Transactions sj EPICOR HARDWARE STORE wv Home gt Transaction Reports gt Sales Card Search Terminal Number Authorizations Actions Cav Xml ose Pont Batch History Payment History Card Number Amount Card Type Date Entry Mode Approval Terminal Statements 542418 7667 3 51 MasterCard 08 14 12 90 Stripe Sent 000081 1 430023 4105 2 67 Visa 08 14 12 01 Manually 000096 443057 8830 10 45 Visa 08 14 12 90 Stripe Sent 000022 Retrievals Chargebacks 413935 0225 13 89 Visa 08 14 12 90 Stripe Sent 055792 1 1 1 517545 1073 5 76 MasterCard 08 14 12 Stripe Sent B64394 TR Ce Simm BOS 41 16 MasterCard 08 14 12 90 Stripe Sent B68836 7 4 Batch History The Batch History provides daily or monthly batch information and when the screen displays it is initially populated with the current month s batches If you want to view another date range
29. int of Sale is used when the point of sale terminal has lost connection with the Eagle Server This application resides on the local terminal and contains essential files and informaton that are refreshed on a nightly basis Offline Point of Sale procedures and processes are quite similar to live Point of Sale but credit authorization is not available through the Eagle When connection is restored offline transactions must be uploaded to the server OLTP On Line Transaction Processing Real time process where a front end system communicates with the merchant s terminal to validate or authorize and collect transactions PA Payment Applications software designed to accept bankcard transactions as payment Payment Application Data Security Standards PA DSS The goal of PA DSS is to help software vendors and others develop secure payment applications that do not store prohibited data Payment Card Industry Data Security Standards PCI DSS The PCI DSS is a multifaceted security standard that includes requirements for security management policies procedures Page 33 EPICOR Payment Exchange PBSTL Acronym and function access for ProtoBase settlement report This report is typically produced each night during batch settlement and is used to validate that all bankcard transactions processed at Point of Sale have been submitted for payment PCI Compliance PCI Compliance refers to industry mandated security standards that app
30. just enter the dates and click search Your settlements should display on the list of batches the morning after the transactions were posted Debit cards and credit cards will be posted as a single batch Keep in mind as you look at the Create Date field that this indicates the date the batch was created not necessarily the date of the transactions contained in the batch 7 4 1 Batch History Report screen Home Virtual Terminal Reporting My Account Session History Y Transaction Reports Transactions EPICOR HARDWARE STORE v Home gt Transaction Reports gt Batch History Card Search Authorizations Sales ions amp Csv mt Pri Reset Search Batch Histo N Payment History amount Statements a N Create Dake i Sales Returns Batch Amount Adjustment Net Amou 1 918 14 16 63 1 901 51 131 10 1 770 41 Chargebacks 1 554 51 1 59 1 552 92 52 81 1 500 11 1 343 88 0 00 1 343 88 14 39 1 329 49 4 te Q 5 c so Retrievals Click on the date field or hyperlink to display all of the sales activity contained within a specific batch This actually takes you to the sales report section Batch history is a great tool to help you balance your daily settlements and sales activities 7 4 2 Batch History Report details Sales report screen Home Virtual Terminal Reporting My Account Session History Y Transaction Reports Transactions s EPICOR HARDW
31. lectronic exchange of financial and non financial data associated with sale and credit data between merchant acquirers and card issuers on various types of MasterCard and Visa transactions ISGC In store Gift Cards that are managed within the Eagle software and involve no outside entity or exchange of funds Customer non order specific deposits are kept stored and used for future purchases ISO Independent Sales Organization These entities were created out of necessity by the acquirers ISO s are given the authority to establish merchant processing accounts on behalf of the acquirer since most acquirers are banks that do not focus on merchant services The ISO may also perform customer service sell hardware and provide other services like check processing to the merchant as part of their relationship In most capacities the differences between the ISO and the acquirer are completely transparent Magnetic Stripe amp Magnetic Stripe Data Track Data A strip of magnetic tape affixed to the back of credit cards containing identifying data such as account number and cardholder name Data encoded in the magnetic stripe is used for authorization during transactions when the card is presented Entities must not retain full magnetic stripe data subsequent to transaction authorization Specifically subsequent to authorization service codes discretionary data Card Validation Value Code and proprietary reserved values must be purged however
32. ly to all businesses that handle process or store credit or debit cards The three PCI compliance standards are PCI DSS PA DSS and the PCI PED Private Label Cards Credit debit or stored value cards that can be used only within a specific merchant s store Also referred to as proprietary cards ProtoBase A bankcard gateway software application developed by Southern DataComm Inc now Elavon that allows processing settlement amp reporting This application has been commonly used with Epicor Eagle Retrievals A formal request that the merchant provide proof of the validity of a transaction that has been challenged by the cardholder The acquiring bank the issuing bank and the CC company all get involved Retrievals are costly frustrating and time consuming for the merchant and can result in a chargeback if a response is not provided in a timely manner Reversal Nullification of an authorized transaction sale that has not been settled If supported by the card issuer a reversal will immediately undo an authorization and return it to the open to buy balance on a cardholder s account Some card issuers do not support reversals Settled Captured transaction processed by the Backend System with fees calculated Referred to as interchange fees Page 34 EPICOR Payment Exchange Settlement The process of sending a merchant s batch to the network for processing and payment For non bankcards
33. nded to provide you with additional statement tips and information You will also find helpful information in your Welcome Kit 9 0 1 Statement example 14415 5 SOTH STREET SUITE 200 1441 2011 PHOENIX AZ BS04 000 Le TE ow INC OODE al SMITH PRINCIPAL O01 TOEG SOUTHFRONT ROAD ASSOCIATE 53 LIVERMORE CA 945510000 CHAIN MERCHANT NBR 417345678 DBA NAME EPICOR GLOBAL ACCOUNT Sales Trar Ava S j lt 1 Amount Discount Rate Number Trans Tran hee 4 GLOBAL EAST NDC Al LECTROAIC T 5 GLOBAL EAST NDC RONIC 3 MISC VISA ACQUIRER PROCESSING FEE 16 0 02 0 31 MISC MC AVS CARD MOT PRESENT 1 0 01 0 01 6 MISC MC MABU FEE 2 0 02 0 04 MISC WISA BASE Il TRAN FEE 4 0 00 0 01 MISC MASTERCARD KE THAN FEE 2 0 OTHER TOTAL SUMMARY INSERT INFORMATION Descrip Amour Ho Inserts to display PROCESSING 046 f i AUTHORLZATION 2 10 i OTHER 0 37 TOTAL PROCESSING SERVICE FEE OF 2 99 Section 1 Activity Summary contains a summary of sales dollars credit dollars and number of transactions by card type Page 25 EPICOR Payment Exchange Section 2 Deposit Detail displays all of the batches processed for the period Remember that the Process Date may not necessarily reflect the date of the transactions contained within the batch Section 3 3 Party Batch Amount Detail reflects transactions sent to 3 parties for example American Express If you accept American Express you will
34. ns YISA 1 150 40 ji 1 50 1 MASTER SRD 1 1 00 On Er Total 1l F10 ZY DEFORT DETAIL Process Date HBF Trans Baich Armour snd Party Babe rrit Acustient Chargeback Met Armount yi7 2010 7 001 0 00 422 2010 21 50 000 50 00 Total Batch Deposits 2 tf DAP FATEH AMOUAT OF FAT Date Batch Arom aid E Amour Date Batch Amonpa Ey AMi PROLES YE OU TATL lard hype Amor Ciscount Rate Humber Trans Tran Fee Processing Fee Interchange ssesment Total WIZA 1en Loti l 0 0000 poz FO 00 MASTERCARD iz 0 00 LODO L Dddd 0 00 0 00 PROCESSING TOTAL APT AGETZATT ON DET ATE Vendor ard Descrotion umber Awthiorzation Fee AUTHORIZ ATH 05 4D ILISTHMEYMT ELE T React 0 00 AUTHGORIEA TOM D DEBIT CARD ELE T Ro 0 009 AUTHORIT ST OM OF DJS EFFE ELIEZT Rai 0 00 AUT ASRIZS TOP OF 1A TER ASD ELE T Rec 0 00 ALU THSEIZA TOM 05 T155 ELETTR 0 00 AUTHORIZATION TOT AI 0 00 OTHER DE A Type Desciphon Mumbar Fato Other Fes MIST IA AS SUIRER PReoCESSIMos FEE 4 30 02 Fro pS ME MASO FEE FUUc FUU MTS TSO PASE TT TRAM FEE 70 001 FO 00 MTS MASTERCARD ME TRAM FEE 0 001 0 00 OTHER TOTAL Each transaction listed in your processing detail contains a type code You will notice that this code is a hyperlink if you hover over the hyperlink on your electronic statement you will be able to see a callout that breaks down the fee calculations for that specific transaction You can also see a column listing your Processing Fee the amount
35. nsaction dollar amount without the card number Click the Search button to apply the filters specified in the chosen fields and the grid will display results meeting your search criteria To clear the search fields amp grid select Reset Note Always leave the Terminal Number field blank Terminal Number does not apply to your Eagle s POS terminal Page 14 EPICOR Payment Exchange 7 1 1 Card Search screen Home Virtual Terminal Reporting My Account Session History Y Transaction Reports Authorizations Sales Batch History Payment History Statements Retrievals Chargebacks 441103 9700 0415 EPICOR HARDWARE STORE v Home gt Transaction Reports gt Card Search Date Range August 2012 Sort columns with blue headings Card Number Last 4 Terminal Number Transaction Amount Actions i i Csv Xml n Print Card Number Card Expiration 441103 9700 0803 Entry Mode 08 02 12 90 Stripe Sent 08 02 12 00 Unspecified ard Type Transaction Type Date DebitCard Sale DebitCard 105 68 105 68 Authorization Variance field with dropdown Terminal 5 00 Approval 200364 568025 Along with the transaction amount you can use a handy variance tool found in the field drop down You can choose a 1 5 10 or a 25 variance or select Exact Amount for the amount specified in the Transaction Amount
36. nt details Navigating and accessing Core Reporting s features is intuitive and easy You will find tabs across the top allowing you access to the various features of the Core Management System There is also a left hand navigation pane with links providing access to features and functions This pane displays selections that are dependent upon the specific tab you have chosen A feature called bread crumbs displays the path you have taken and allows you to see at glance how you arrived at the particular screen you are viewing Page 10 EPICOR Payment Exchange 4 0 2 Reporting tab Virtual Terminal Reporting Session History Y ro z i p Tab and SubTabs Transaction Reports Transactions EPICOR HARDWARE STORE fe aE Card Search Transaction Reports options Authorizations Transactions Dril down to transaction level details or view ngith end statements batch history an sales Batch History Left navigation R A oo Payment History _ e pane Bread Crumb trail use instead of back arrow Statements Retrievals Chargebacks Hyperlinks are displayed in blue Hyperlinks may lead you to other windows allowing you to enter or view additional information Hover your cursor over any blue underlined field to display a callout describing the field This is a great learn as you go tool 4 0 3 Hyperlink amp Callout Illustration i You can select a maximum of
37. or EPX Epicor Payment Exchange Exceptions Transactions that for one reason or another have a problem or are otherwise unusual They require special handling and are often costly or aggravating Exception transactions represent a tiny fraction of normal volume but generate extra work for all involved Front End System Equipment amp software that communicates with merchant terminal to authorize and capture transactions Interchange Interchange Fee The fee that the Issuer charges on each transaction Interchange fee also referred to as the card issuer reimbursement fee is the portion of credit card processing fees that are collected from the merchant and then paid to the bank that issued the customer s credit card The interchange fee is a percentage of each transaction plus a flat transaction fee There are over 150 categories of interchange between Visa MasterCard and Discover The cost of interchange can be based on several factors such as the method of entry card swiped or key entered the type of card Consumer rewards business government etc and the amount of time between authorization and settlement Interchange is tregulated by the card associations and can be modified by them twice per year April and October Each transaction is evaluated individually so various interchange rates may apply within one batch of merchant transactions Page 31 EPICOR Payment Exchange Interchange The standardized e
38. rated in section 7 1 Card Search click search after entering your date range or click reset to clear and start a new search And also as we illustrated in the previous section 7 1 3 you can click on the card number hyperlink to display details about the specific authorization 7 2 1 Authorization Report screen Virtual Terminal Reporting Session History Y Transaction Reports Transactions EPICOR HARDWARE STORE Y Home gt Transaction Reports gt Authorizations Card Search Batch History Payment History Card Number Card Exp Card Type Trans Type Date Entry Mode Approval Vendor Resp Result Statements 43523 7 7084 0813 183 5 Visa Authorization 08 14 12 00 Unspecified 021225 00 Approved 406042 9988 1013 5 2 Visa Authorization 9 08 14 12 00 Unspecified 053919 00 Approved 445044 5410 0814 438 5 Visa Authorization 08 14 12 00 Unspecified 678120 00 Approved Chargebacks 443044 4096 1013 43 Visa Authorization 08 14 12 00 Unspecified 03 Declined 5466 16 5924 0814 3 MasterCard Authorization 08 14 12 00 Approved g Se 450 i I z Retrievals AO ver 7 3 Sales Click the Sales link in the left hand navigation pane of the Reporting tab to search for sales and enter the date range The terminal number is not referencing your Eagle terminal number but rather your credit card terminal number these are typically assigned by store rather than each
39. rges on each transaction This is typically a percentage of sales amounts that the bankcard acquirer charges the merchant for the settlement of the transactions Downgrades An increase in the fee charged for processing a specific transaction The merchant s contract with the Acquirer defines their fee structure based on the amount of risk involved with their transactions This is based on the type of business and the expected transaction profile If the merchant does not follow the profile the fees for processing the transaction are raised the transaction classification is downgraded to a higher fee An example may be if they fail to collect the CVV code from the back of the card DSS Data Security Standard Typically based on guidelines established by the Payment Card Industry council Dues amp Assessments The fee that Visa or MasterCard charge the merchant on each transaction Page 30 EPICOR Payment Exchange Effective Rate The fee structure paid by the merchant for the processing of Payment Card transactions This effective rate is comprised of several key ingredients such as the Discount Rate Dues amp Assessments and Interchange fee Encryption Process of converting information into an unintelligible form except to holders of a specific cryptographic key Use of encryption protects information between the encryption process and the decryption process against unauthorized disclosure and theft Epic
40. s of sending the batch for settlement Commercial Cards Bankcards issued to businesses to cover expenses such as travel and entertainment and procurement Includes the multiple payment card brands of purchasing cards business cards corporate cards and multi utility fleet cards Visa and MasterCard now have special procedures for passing billing information back to the card issuing bank so that it can be displayed on card holder statements this is a program for promoting the use of credit cards for business purchases by providing purchase tracking to business users New regulations require that this billing information be passed back with the transactions otherwise a higher pass through fee will be incurred Page 29 EPICOR Payment Exchange Deposit Correction Notice DCN Adjustments made for an out of balance condition due to problems in the transmittal The correction is made by the merchant s acquirer at the time of capture prior to being sent out for interchange DDA Directed Deposit Account Designated bank account into which deposits from bankcard transactions are placed Also may be the account from which Processing Fees Chargebacks and other fees are withdrawn ES Data Encryption Standard DES Block cipher elected as the official Federal Information Processing Standard FIPS for the United States in 1976 Successor is the Advanced Encryption Standard AES Discount Rate The fee the merchant s Acquirer cha
41. s only and must be modified from within the record Select or left click View to modify the record 3 0 4 Sub User Management Screen Home Virtual Terminal Reporting My Account Session History Y Sub Users Sub User Management My Account gt Sub Users Add Sub User Search Username Active Only IV Name Locked Only D Email Address Search Username Name Email Privilege s View m16576227 bishop Rick Bishop rbishop epicor com Core Reporting 2 6 2012 Virtual Terminal The sub user record displays allowing you to perform 3 functions Choose Reset Password to generate a new temporary password for the user An e mail will be sent to the user s e mail address with the new temporary password Choose Unlock to reset a user that has been locked out due to too many unsuccessful attempts to login Choose Edit to modify the record or its permissions Page 8 EPICOR Payment Exchange 3 0 5 Sub User Record Screen Home Virtual Terminal Reporting My Account Session History Y Sub Users Sub User Management My Account gt Sub Users gt View m16576227 rbishop Add Sub User seadh Sub User m16576227 rbishop Link will display if user has too many unsuccessful login Re attempts Click to unlock Sends e mail to sub user with new system generated pasword 47 gt UD User Overview Username m16576227 rbishop Name Rick Bishop Select to edit fields in user i re
42. that the processor charges your interchange fee the amount the bank charges and your Assessment which is the amount that Visa amp MasterCard charges 7 6 3 Monthly statement Processing Detail section PROCESSING DETAN Card Type Puce ii Dacount Rate rand Tran Fee Procesgang Fee VISA 135 14 406 71 0 1000 i 0 0000 14 41 155 oo 1206 4 019 259 Mlingi F Mi iai 14 00 man j 47 gA j an Er aT Page 20 EPICOR Payment Exchange 7 6 4 Callout displayed when hovering over Type link in Processing detail Chargetype Description Tradmonal Rewards z Interchange Fee 0 10 Interchange Percentage 1 9500 Calculations 14 406 71 1 9500 2 0 10 7 7 Retrievals A retrieval request occurs when a cardholder s bank requests a legible copy of the sales draft used in a transaction Retrieval requests are generated for a variety of reasons including cardholder disputes point of sale errors fraud inquiries etc You will get a fax from the bank for retrieval requests Shown below 7 7 2 is an example of such a request Core Reporting allows you to see a list of those requests by clicking on Retrievals on the Transaction Reports Main Menu 7 7 1 Retrievals screen itame Virtual Terminal Reperting 9 My Account Gernon Mishary T Transaction Foegrarts ranima EBICOH HARDY ARE 5 TARE Home gt Trantacion Dapati Metre CAd fever ci Atenah Date Range 2012 pai HAA HEI y PAi P
43. the issuer pays the merchant directly less applicable fees and then bills the cardholder For bankcards the acquirer pays the merchant less applicable fees with funds from Visa MasterCard The bankcard issuer then bills the cardholder for the amount of the sale Terminal Identification Number TID A unique number assigned to each POS terminal Third Party Processor A Third Party Processor is an independent processor that is contracted with by a Bank or Processor to conduct some part of the transaction processing process Virtual Terminal A tool that allows merchants to manually process credit card transactions from any computer with an Internet connection Page 35 EPICOR Payment Exchange
44. the merchant s terminal or POS awaiting settlement Page 28 EPICOR Payment Exchange Capture A validated and completed bankcard transaction to be submitted for financial settlement An authorized credit card sale must be captured and settled in order for a merchant to receive funds for those sales Card Not Present A transaction where the card is not physically present at the time of the transaction Mail order or telephone order If credit card information is keyed in or manually entered into the terminal instead of swiping a card s magnetic stripe through the terminal the transaction may also be categorized as Card Not Present by the system Chargeback A transaction that is billed back to the merchant after the sale has been settled Chargebacks are initiated by the card issuer on behalf of the cardholder Typical cardholder disputes involve product delivery failure or dissatisfaction Cardholders are urged to try to obtain satisfaction from the merchant before disputing the bill with the credit card issuer The acquirer may withhold funds from the merchant s next deposit to recover money paid to the merchant for a transaction where a retrieval request failed or resulted in no response from the merchant IS Center for Internet Security A non profit enterprise that helps organizations reduce the risk of business and e commerce disruptions resulting from inadequate technical security controls Close Batch The proces
45. ume and Transactions ELEMENT TEST MERCHANT w Summary Reports gt Processing Detail by Year by Month Date Range Septerrher 2010 Actions Bi Csv Xml agp Print by Day Processing Detail Date Card Type Charge Type Amount Discount Rate NumberTrans Tran Fee Processing Fee Activity sil 10 ntl cas 1204 0 00 1 0000 0 00 09 30 10 VISA 1521 1 50 1 0500 1 0 0002 0 02 Current Year Page 1 Page Size 15 iy 2 records matched search criteria Current Month Yesterday Interchange Assessment Total 0 00 0 00 0 00 0 00 0 00 0 02 To view transactions by card type transaction type transaction count and processing amount click Activity Reports on the Summary Reports Option Screen 8 0 5 Activity Reports Current Year screen Home Yirtual Terminal Reporting Resource Center My Account Session History Summary Reports olume and Transactions ELEMENT TEST MERCHANT w Home gt Summary Reports gt Activty gt Current Year by Year by Month Date Range 2010 Actions cse Xml esp Print by Day GridResults Charts Processing Detail Activity Card Type Transaction Type Transaction Count s Current Year Visa Visa Current Month m Mash Card Yesterday Masbe Card EPICOR Payment Exchange Amount 2 61 0 01 11 00 11 00 2 60 Page 24 9 Additional Statement Information Section 7 6 addresses some basic statement related topics The following information is inte
46. user Sharing of logins and passwords are contrary to PCI data security standards Page 6 EPICOR Payment Exchange From the main login access My Account and then select the Sub Users tab or hyperlink 3 0 1 Sub User selection from My Account Tab EPICOR Payment Exchange Virtual Terminal Reporting Session History Y My Account My Account opto oe this optig to update your password Select this option to add Sub Users to your account The Sub User Management window displays This window s grid may contain a list of sub users once they are created in your system But the first time you access the window the grid will be blank Choose the Add Sub User link as indicated below 3 0 2 Sub User Management screen Home Virtual Terminal Reporting Session History Y Sub Users Sub User Management My Account gt Sub Users Username Active Ony M Name Locked Onl 7 Email Address Search Username Name Email Privilege s Active Locked Created View m16576227 rbishop Rick Bishop rbishop epicor com Core Reporting m E 2 6 2012 Virtual Terminal Page 1 Page Size 15 2 records matched search criteria Enter the user s First Name Last Name and Email address in the appropriate required fields on the Add Sub User screen Optionally you may also enter the user s telephone number The Active box will be checked for all new records but may be desel
47. ystem s capabilities displayed on the illustration below 4 0 1 If you are not using the main account your access and the resulting view may be different Access will be determined by the privileges assigned in your sub user record by your manager or system administrator The Home tab displays links for up to 3 primary areas these areas are also displayed as tabs and may be accessed from there as well If you wish to process credit card authorizations you will select Virtual Terminal The Reporting link or tab leads to Core Reporting and allows you to access a variety of reports search tools and transaction summaries Finally as stated in section 2 My Account allows you to change your password and if you are using the main account you can see and setup sub users and also provide them with security to access functions within Core Reporting 4 0 1 Core Management System Home tab Home Virtual Terminal Reporting Session History Home Welcome to CORE MANAGHMENT SYSTEM To get started please select fform the available options below Core Management Syste Options Use links on Home tab or tabs across the top to Virtual Terminal i RT S aaa make selection Virtual Terminal is a state of fie a process credits and run real time Reporting f Core Reporting provides you with constant and secure access to all of your payg data available online My Account View and update your accou
48. ystem contains Core Reporting which is accessed by selecting the Reporting tab or the Reporting link found on the Home tab Core Reporting provides access to secure web based bank card transaction reports batch reports sales and summary reports and your electronic bankcard statements Other components contained within the Core Management System include Virtual Terminal and My Account My account allows users to change passwords and for the main or primary account the ability to maintain and setup additional users Virtual Terminal has the capacity to process bank card authorizations address verifications and capture bank card sales While Virtual Terminal has the capacity to process sale transactions for bank cards we recommend that you utilize only the authorization and the AVS capabilities This recommendation is made based on the fact that you must post specific items to your Eagle in order to relieve inventory and impact your General Ledger 1 0 1 Core Management Home Screen f ic O R Welcome Back Rick Logout Payment Exchange Home Virtual Terminal Reporting Session History Y Welcome to CORE MANAGEMENT SYSTEM To get started please select from the available options below Core Management System Options Virtual Terminal Virtual Terminal is a state of the art Web portal that allows you to authorize and perform credit card and debit card transactions process credits and run real time
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