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Bank Audi Merchant Administration User Manual

1. Order Details section see Figure 14 ETES L sete o v sans Links Ode Sanh L or nid 262 2 b pend ipunin Sench orrena Merchant Administration Financial Transaction Details Financial Transecticn Detaus Dogue t carte nd Ah Ir ammacezioni Mecelinne Trwesowtla Petes ene e Dare CNRS M Ir anveacleon lype gt mhra Pnr Medien Pme hou 2U rkr D a Boh andis HHH Pep LE Core Acquirer Response Coe AIMS ou himine ET CS ds cach TEEN Tramiaceziani Nau o T1070 oC rEo rr Figure 18 Financial Transaction Details The information is detailed in a single Financial Transaction Details section and displays the following fields e Acquirer ID Identifies the acquirer that processed the transaction normally your bank e Transaction ID A unique number assigned by MiGS to that particular transaction e Merchant Transaction Reference A unique merchant specific identifier used in Payment Client or Virtual Payment Client transactions e Date The date and time of the transaction within the merchant s time zone e Transaction Type Details the particular type of action that was performed for example capture or refund e Payment Method Identifies the type of payment processed i e credit or debit Only credit is supported by MiGS at this time 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 25
2. N No Undetermined For example the payments authentications system was unavailable at the time of U authentication 3 D Secure XID A unique transaction identifier generated to identify the 3 D Secure transaction 3 D Secure ECI The 3 D Secure Electronic Commerce Indicator ECT as returned from the Issuer in response to an authentication request This field is informational only for diagnostic purposes and does not represent the ECI value sent to the bank when authorizing the transaction 3 D Secure PARes status Indicates the result of the cardholder authentication The available values are Values Description Y Yes N No Attempted Authentication but failed For example the catdholder failed to enter their password after 3 A attempts Undetermined The payment authentications system U was unavailable at the time of the authentication 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 49
3. Successful Unknown error Bank Declined Transaction No reply from Bank Expired Card Insufficient Funds Error Communicating with Bank Payment Server System Error Transaction Type Not Supported Bank Declined Transaction Do not contact Bank Transaction Aborted 46 lt GH W UD Authentication Status Transaction Cancelled Payment Authentication Failed Card Security Code verification failed Shopping Transaction Locked please try the transaction again later Cardholder is not enrolled in Cerified by Visa or MasterCard SecureCode Transaction has been received by the Payment Adaptor and is being processed Transaction was not processed Reached limit or retry attempts allowed Address Verification Failed Card Security Code Failed Address Verification and Card Security Code Failed Transaction status is unknown An authentication 3 D Secure specific field that indicates the status of a payment authentication for example Code T 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 Description Success The cardholder was successfully authenticated Success The merchant has an arrangement with Visa to authenticate cardholders automatically Only Supported by Visa in the US Not Enrolled The cardholder is not enrolled Failed Verification failed Undetermined The verification was unable to be completed This can be caused
4. The merchant reports detail the same information regardless of the search criteria chosen including the following fields e Payment Method Indicates the type of payment used to process the transactions for example credit debit loyalty Only credit is currently supported by MiGS at this time e Currency Identifies the currency in which the transactions are processed This will be set by your bank when creating your merchant profile You can have only one currency per MiGS merchant id e Date The date and time of the transaction within the merchant s time zone In the case of weekly monthly or yearly reports the date will represent transactions up to that date following on from the last report date e Acquirer Identifies the Acquiring bank that processed the transaction This would normally be your bank 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 37 e Merchant Shows the MiGS Merchant ID associated with the report summaty e No of Transactions The number of transactions per report e No of Settlements MiGS does not currently support settlements so this column will always show a default value of zero e Total Authorisations The number of pre authorisations per report selected e Total Captures The number of captures included in the report e Total Purchases The number of purchases per report minus any voids e Total Refunds The number of refunds per repor
5. a transaction If you ate searching for the original purchase transaction see the Order section on page 14 If you are looking for a financial transaction i e refund void see the Financial Transactions section on page 24 If you are searching for an authentication transaction Le MasterCard SecureCode or Verified by Visa see the Payment Authentications section on page 29 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 viii MasterCard International e How do I search for transactions belonging to a particular batch A batch is a group of transactions that are awaiting settlement with the Acquiring bank If you ate looking for a transaction within a particular batch you will need the batch number that the transaction was in to enter into the search field See the Financial Transactions section on page 24 You can also search for transactions by transaction type transaction number and by payment method e How do I find a failed transaction All transactions can be searched for by Transactions Success failed successful Additional criteria can be used to narrow down your search To find a failed transaction see the Financial Transaction section on page 24 and select the search criteria for failed transactions e How do I perform refunds and voids You will be required to have the necessary privileges to perform both refunds and voids You
6. by network or system failures Undetermined The cardholder session timed out and the cardholder s browser never returned from the Issuer site 47 Undetermined Authentication of you Visa Merchant A ID and Password to the Visa Directory Failed Undetermined Error communicating with the Visa D Directory Server Undetermined Card brand not supported Failed The signature on the response received from the Issuer could not be validated This should be S considered a failure P Failed Error receiving input from Issuer I Failed Internal Error Verification Security Level The Verification Security Level field shows the Visa ECI or MasterCard SLI value sent in the authorisation message It is shown for all transactions except those with authentication status Failure MasterCard SecureCode Values Desctiption 1 Cardholder Not Participating 2 Cardholder Authenticated Verified by Visa Values Description 05 Fully Authenticated 06 Not Authenticated cardholder not participating Not Authenticated usually due to a system problem 07 or invalid password The actual value used may differ for some banks 3 D Secure VERes enrolled This value indicates whether or not the card used was enrolled for 3 D Secure at the time of the transaction The available values are Value Desctiption Y Yes 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 48
7. cocesssnccce soso snenecsecse M Quick Reference Guide reete tee ere ens orte oe cos uo n naa e an OSERE sen EUN ENS tn URE ero reni viii Getting Started M le viii TRANSACTIONS 2 itenim aA ROI aaa viii Card Transation ME ix isi iI E E a ix 1INTRODUCTION me 1 Loniditpcro senneninnee 2 2 SETUP M RS 4 j 4 Creating New Operators vrrsssrrrrrsr sen sereresezineeesneesn ene sesere se ene sa nezine sen ienenzenenanen sn ane nie eenza nin sec eene sance 5 Privileges n 8 Configuration Details csscssssssssssssseccssecsnsseseracssncesssseceesseeseesenasseecesseesesaeecssesssnsssonass cesses ses 10 Change Password M 12 Software Download ccssscsscssscessessssencesssssssecssseesesseccssessensesessenes Error Bookmark not defined Locked out Users c T 13 LOBOUt 13 3 TRANSACTIONS sessesu nani inn AARON ERA ARRL ANATRA aada ENAA ENEN SERRE PARATA RES nn NAR RN NERA 14 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 vi MasterCard International Orders cisciicirivicnienionisicniceaziviniabonalicisanicicebcnilazine des saude
8. correctly after three attempts U Undetermined The payment authentications system was unavailable at the time of the authentication e Time Taken seconds The total time taken in seconds for the authentication to be performed e Financial Transaction ID The number of the associated financial transaction Clicking on the actual number will take you to view the Financial Transaction Details page See Financial Transactions section on page 24 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 31 How to perform manual O RD E RS mE Introduction The manual transaction entry capability within Merchant Administration allows you as the merchant to process transactions with a cardholder s details This can be used in instances of a customer purchasing goods or services via mail order or telephone order MO TO Card transactions are those where the customer provides their credit card details to an operator who then processes a transaction Performing a Card Transaction 1 Click the Orders tab to access the transaction menu 2 Select Create Order from the menu on the left side of the browser and the following screen will be displayed Links CO eds Onde D xeOdiEd Merchant Administration Create Order Entry Order Refererce I Anean S Cond Heder Mane ud Munis Cand spy tard secu cone Ha CS Er nid Dn Gud n 2 Aitne Tc ke
9. e Amount The total value of the transaction e Order ID A unique number assigned by MiGS to the original order transaction that is associated with this financial transaction Clicking on the actual number will take you to the Order Details page e Batch Number Indicates which batch the transaction belongs to A batch is a set of transactions that have been or will be reconciled e RRN Identifies the Reference Retrieval Number used to retrieve the original data which allows an Acquirer to uniquely identify a transactions that occurred on a particular day e Response Code Indicates the response code from the bank s payment server The code is followed by an explanation in brackets for example 0 Approved e Acquirer Response Code The response code from the card Issuer indicating the success or otherwise of the transaction e Authorisation Code Identifies the code from the bank approving or denying an authorisation transaction request e Integration Type The method interfacing the MiGS server and the merchant s host application for example Merchant Administration or Virtual Payment Client e Transaction Source Refers to the origin of the financial transaction for example MOTO SSL VPC Virtual Payment Client through Advanced Merchant Administration 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 26 Payment Authentications Selection What are Payment Authe
10. is in the current batch that still has to be processed by the bank Only purchase transactions or capture actions can be voided To void an action click the Void button The refreshed page includes the new transaction the void in the History section History The History section on this page details the information of the financial transactions associated with the original order The following is displayed e Response Code The response code for the transaction with a brief description e Date The date and time of the transaction within the merchant s time zone e Transaction Type Indicates the type of transaction performed including Purchase Capture Refund Void Capture Void Purchase The actions available depend on your merchant configuration as determined by your bank e Amount The total value of the transaction e Operator Identifies the operator who initiated the transaction This will appear blank if the cardholder initiated the original transaction themselves via the website e Transaction ID The unique number assigned by MiGS for the financial transaction You can click on this number to view the financial transaction details for further information see Page 27 e Merchant Transaction Reference This shows the merchant transaction reference entered for the order e Transaction Source Refers to the origin of the financial transaction for example MOTO Internet Card Present etc 2006 MasterCard
11. need to find the original transaction and for a refund you can process multiple partial or full amounts A void is the cancellation of the previous action performed or last purchase The void amount is fixed and cannot be altered See the Order Details section on page 18 e Why is the void option not always available A void is the cancellation of a transaction so that no funds are transferred the transaction will not appear on the cardholder s statement However voids can only be performed on transactions that have not yet been sent to the acquiring bank for settlement If this is the case then the void option for this particular transaction is no longer displayed Card Transactions e How do I perform card transactions on behalf of the customer A manually entered card transaction in MiGS is referred to as MOTO To perform a MOTO transaction you will need the cardholder s details including card number expiry date CSC if applicable and all the details of the transaction i e order no merchant references etc if applicable See the Performing a Transaction section within the Orders chapter on page 34 Reports e How dol get a list of totals for a week s transactions Repotts can be obtained on a daily weekly monthly or yeatly basis and can also be selected by Acquirer See the Reports chapter on page 38 to access daily weekly monthly or yearly transaction reports 2006 MasterCard Interna
12. web browser based portal which allows merchants to monitor and manage their online processing It also provides access to administrative functions on payments MiGS See MasterCard Internet Gateway Service MOTO See Mail Order Telephone Order Payment Authentication A process whereby the cardholder authenticates their identity with the issuing bank during the online transaction process This is made possible by a MasterCard SecureCode or Verified by Visa password which is requested upon each transaction a similar concept to the use of a Personal Identification Number PIN on Automatic Teller Machines ATMs Payment Client A back end processing tool integrated into the merchant s website which allows the real time sending of secure transactions digital orders to MiGS and the receipt of transaction results digital receipts Payment Server The MiGS payment gateway service hosted by MasterCard International which provides an interface into the authorisation and authentication networks The Payment Server accepts incoming secure transactions from the Payment Client and processes transactions in real time Purchasing Transaction 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 41 Refund SSL A purchase transaction is the most common of MiGS payments Transactions of this type both authorize the payment request via the Issuer and facilitate payment to the merchant via
13. 5 i Arista Mame candy Card Details Lard lype Vul Nue Card Enquiry Capeure Amauri a va e endzr 22 com czizhe ca zl re hyo Lo e zezedllz zecpou n te o Izlz pfi uJi zig a vnl Merchant Mm Dabe Tema Amount quere rene Transaction tea Reference U Sprite QU ELE LISAA uni PUU vate LA Figure 25 Order Details page Allows you to immediately capture the funds from the Action section within the Order Details page 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 35 How to view daily weekly 9 Reports a Introduction The Reports facility within Merchant Administration provides you with a search function to generate daily weekly monthly or yearly report summaries Reports include total counts and sums of transactions for the date range specified These reports ate also printable from the browser screen Obtaining merchant reports is carried out in two steps 1 Gateway Report Search Allows you to search for transactions within a specific time frame and choose the time interval for each report 2 Gateway Report List Lists the information generated as determined by the search criteria entered Merchant Reports 1 Click the Reports tab from the main menu Once presented with the Reports menu on the left side of the browser select Gateway Reports The search page will be displayed see below Links Li alie
14. Al Nel vagin Transactions Perfani MOTO Trauzacdous Prrfanu Purchases Pn lim Sade r7 Den Perfani Petits Ararchant Melritenance LILI PARLES CTIELPE ndgn dum Perfani Operator Aibiubibtiradca Cerai Pa lum Juclanc ilh X Suphi k Perna d View Regine Mapes Ruabir Admin mes chat Auministrrtinn canins LLLLEE LESC Dama Neenizh Heil DE DEM CS Alva Safimare nosil Ahira Hrid Eiend Niemi Allam Mercliad Amin Darumeresdu Damrinsd e Figure 6 Operator Detail Complete all the required fields entering a password that you will later give to that operator The password validity should be set to Must change their password at next login allowing the operator to choose a passwotd they will remember and for security reasons Passwords should be a minimum of eight characters with at least one non alpha character and not including the external operator id All operators will be prompted to change their user password every 90 days There is an additional field in this section Operator Locked Out which will be displayed when the operator has been locked out due to repeated login failure or a supetvisor Administrator suspends the operatot s privileges 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 7 The operator s privileges must then be set taking care to set only those that are required by that particular user For example Operator Administra
15. Bank Audi Merchant Administration User Manual June 2006 Bank Audi 2006 Merchant Administration User Manual e June 2006 In fo r m atio n about this Manual Contents This manual contains systematic guidelines on how to use the Merchant Administration facility from Setup to generating Merchant Reports Please refer to Using this Manual for a complete list of the contents of this manual Questions If you have questions about this manual please contact the Customer Operations Services team or your regional help desk Please refer to Using this Manual for more contact information 2006 Merchant Administration User Manual e June 2006 MasterCard International e e This chapter contains sing this Manual understand and use this document The MasterCard MiGS Merchant Administration User Manual helps to provide merchant personnel with a wide understanding of the Merchant Administration facility of the MasterCard Internet Gateway Service MiGS and its functionality MasterCard provides this manual for merchants and their authorized agents Specifically the following personnel should find this manual useful Purpose Audience e e Overview Merchant business ownets Merchant administration personnel The following table provides an overview of this manual Chapter Table of Contents Description A list of the manual s chapters and subsections Each entry references a chapter and p
16. E soze e ola pi tet ox ez Fu se 02 OGIO 7p red iso LE O Fu its e Om 2 Leln d LEGE Inox su PATENT PES Helena 1 conu PPS nn T C eg Fu os 2 26 DINE 04747 atlas Fu ie 4 LIS 005i ERA eu FU em eY EL TE EN OR RP Fu ie 11 AIT Ober 2 Zend baia aa Fn cnt 0 raara 25 2 wind meras en T Lure oxe FAI IE ease al Figure 16 Financial Transaction List The transaction list details the following information e Acquirer ID Identifying the acquirer that processed the transaction normally your bank e Transaction ID A unique number assigned by MiGS to that particular transaction 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 23 e Merchant Transaction Reference A unique merchant specific identifier used in Virtual Payment Client transactions e Transaction Type Details the particular type of action that was performed for example a refund ot void e Amount The total value of the transaction e Date The date and time of the transaction within the merchant s time zone e Response Code The response code for the transaction with a brief description e Results Pages If there are more transactions that can be shown on a single page a link is displayed to take you to the next page To view the details of a particular transaction click on the Transaction ID and the Financial Details Page will be displayed Download If you select th
17. International Incorporated MiGS Merchant Administration User Manual e June 2006 21 Financial Transactions The Financial Transaction section of Merchant Administration provides you with detailed information fot each transaction You cannot perform any actions in this section Financial transactions are classified as subsequent or administrative actions that are performed against the original order i e refunds and voids Financial transaction administration is carried out in three stages 1 Financial Transaction Search Allows you to search for single or multiple transactions It is important to note that if more than one search criterion is entered only transactions that match all those search fields will be returned For example if you enter the transaction number of a known failed transaction as one search criterion and enter transaction success as successful as another no transaction will be returned The search results have to match af the criteria entered You must also ensure that the transaction required is within the date range specified 2 Financial Transaction List Lists the individual transactions retuned by the search 3 Financial Transaction Details Shows the details and history of an individual transaction Financial Transaction Search 1 Click the Search tab to be presented with the transactions menu 2 Select the Financial Transaction Search from the menu on the left side of the brow
18. Issuer Returned a Referral Response nim olol 3D Secure Authentication Failed Card Security Code Failed Shopping Transaction Locked This indicates that there is another transaction taking place using the same shopping transaction number Cardholder is not enrolled in 3D Secure Authentication Only Transaction is Pending Retry Limits Exceeded Transaction Not Processed Duplicate Orderlnfo used This is only relevant for Payment Servers that enforce the uniqueness of this field Address Verification Failed 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 CSC Result Codes The CSC result code in order of severity from highest M to lowest N are Code U N Description Exact code match Merchant indicated CSC is not present MOTO situation Card not processed Card issuer is not registered certified Code invalid not matched By default the Payment Server only accepts a transaction when the CSC result code returned from the issuer is in the range of M to S Depending on the bank the merchant can nominate a new CSC card acceptance level range Response Code The response code is displayed followed by an explanation is brackets The following response codes may be returned Code 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 Description Transaction
19. List Figure 2 shows the list of operators Initially the Administrator account will be the only account Click on the Edit link to enter the Administrator profile Once here you will need to enter the operator s description and email address clicking the Submit button to update the details for this account All the available privileges are automatically enabled for the Administrator user and these are 1 being able to perform operator administration tasks and 2 being able to use the transaction search function Once the Administrator account has been configured accordingly the user should then create an alternative operator account for daily use as previously advised This allows the Administrator account to be maintained as a supervisory account to perform administration tasks as necessary To create a new operator account see the guidelines in the New Operators section on page 5 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 3 How to start using M l f up Merchant Administration Logging In To enter Merchant Administration you must have the URL your merchant id operator id and password All these details will be provided by your Supervisor or the bank if you hold the Administrator account a TESTMERZHENT Operator Operator ID Paccwoed asssszzazaa Figure 3 Merchant Administration Login Figure 3 illustr
20. QG GO 3 hzller e fer eu E Fog Ww Kal 7 A ilman iind 341 0 GGI Sy aihere el rur Ud bites Taide ete Te rand Mats ond Figure 20 Payment Authentication List The transaction list details the following information e Authentication ID A unique number assigned by MiGS for that particular authentication transaction e Authentication Type Indicates whether the transaction was authenticated by either Verified by Visa Visa 3 D Secure or MasterCard SecureCode M 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 28 Order No The merchant s unique identifier for each transaction Amount The total amount of the transaction Date The date and time of the transaction within the merchant s time zone Response Code Shows a general description of the authentication transaction result Results Pages If there are more transactions that can be shown on a single page a link is displayed to take you to the next page To view the details of a particular transaction click on the Authentication ID and the details page will be displayed Payment Authentication Details This page allows you to view the detailed information displayed for the selected authentication transaction and includes the following fields Links ETI Day tethentiat alae Pa CUP IN n nale Onder Search FianchlTransacden Search m A Mem ossei Merchant Administrat
21. age number A description of the manual s purpose and its contents An overview of Merchant Administration How to login into Merchant Administration and how to create new users How to search for existing transactions How to perform card transactions How to create reports detailing transactions MiGS Response Codes Using this Manual 1 Introduction 2 Setup 3 Transactions 4 Orders 5 Reports A Appendix A Glossary A dictionary of terms and acronyms used by MasterCard in the MiGS Merchant Administration system 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 iv MasterCard International Related Information The following documents and resources provide information related to the subjects discussed in this manual e MiGS Merchant Product Guide MiGS Payment Client Integration Guide MiGS Virtual Payment Client Guide 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 MasterCard International Table of Contents USINGTHISMANUAL 0a ia IV PULPOSE iv AUDIENCE A T ous ons a A E P neeneeene iv Iv REVISIONS A E A A E E O T Error Bookmark not defined Related Information rese zores ese ezee ze sen ennenecesenene serene arene ne naze ne cenene ene neces essence
22. ates an example Merchant Administration login page and the required fields to be completed before entry into the system Once the supervisor bank has provided the details enter them into the related fields This will take you into the Merchant Administration system You should be presented with a Change Password screen whereupon you will be required to enter a new passwotd consisting of at least 8 charactets including at least one numeric or punctuation character for example operator01 and not including the external operator id within the password Passwords are case sensitive Please note that you only have 5 attempts to enter your password correctly before yout operator account is disabled After changing your password or just entering the system you will be presented with the Welcome Screen see Figure 4 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 LU LHCLLE l tcy bazam rl vran BIN gregari voe an 10 Ea EE 14 20 Menu Options Figure 4 Merchant Administration Welcome From here you will see the main menu a set of tabs across the top of the browser screen The options displayed as stated earlier are dependent upon your privileges as a user The screen shot above Figure 4 shows all menu options displayed as tabs along the top of the browser screen From this point you can now enter the various functions of Merchant Administration that are
23. automatically timed out after 15 minutes after last use 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 13 Searching for and viewing 3 Transactions 7 The Search function within Merchant Administration allows you to view Orders Financial and Authentication Transactions In addition it allows you to complete captures and perform refunds and voids All these functions are subject to the privileges you have been given Orders refer to the original purchase transaction by the cardholder Financial Transactions refer to the original order and all subsequent actions that are performed i e refunds or voids Payment Authentication Transactions refer to any transactions that are processed using authentication i e Verified by Visa or MasterCard SecureCode Payment Authentications are detailed later in this chapter Each transaction within MiGS is unique and entered differently Consequently transaction details pages may also differ and whilst certain information may be displayed for some transactions it may not be for others Orders Introduction Orders ate payments received by the merchant usually as the result of the purchase of goods or services There are two types of orders e PURCHASE this is the most common type of transaction a single message transaction where the payment is finalized upon authorisation The cardholder s limit is adjusted immediately and
24. available to you Creating New Operators To create new operators on the system select the Admin tab from the main menu Click on the Operators link from the menu options of the left hand side The Operator List will display a register of all operator accounts enabled on the system see Figure 5 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 5 M Opzra Uzl Coils dun Uctuda Cipe siga m E chani esameni Merchant Administration Operator List Somware Download create an Operator Senate A CES Ha t Ea EP don Asaran Est an Oseratar Oparator ID Operator Hama De enprian A VETY 2 07 2320 vazizria LHES L csgz2rrd Wee na ciare CS ane Ind rural eralles peurs Al dava iuei Figure 5 Operator List Click on the link under the Create an Operator heading This will take you into the Operator Detail screen where the new users details must be entered see Figure 6 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 6 mm Links do FKunlepuiscan dat HANAR we x Change Passmreil Merchant Administration Operator Details DLL LS LL ELLE LITE Queretor Caters Punici Opersior D z Cumis Mon Darcripdhn Password Z Confini Passard n Emil Akdrosg Locale Theo Security Privitepes Dpraulis 1 ached Cid I Change Ther Omni Passmoril luce lean Pocenia d
25. be configured on the system Operator profiles can be edited and deleted by clicking on the appropriate link The Administrator operator account cannot be deleted Privileges The privileges set can differ between operators and should be tailored to each user according to their function within MA The privileges available to all users are listed below with a brief description of what they allow the operator to do Security Privileges e Operator Locked Out This will be automatically enabled if the operator repeatedly fails to enter the correct login details This can also be checked to temporarily suspend an 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 operator user An operator has 5 attempts to enter their password correctly before being locked out of the system e Change Their Own Password Allows an operator the ability to change their own password if necessary without having to rely on a supervisor e Must Change Password At Next Login If enabled this will force the operator to change their password when they next login This should be checked for all new operators for security reasons N B All operators will be prompted to change their user passwords every 90 days Transactions e Perform MOTO Transactions This privilege allows an operator to enter manual transactions within the MA portal on behalf of the cardholder e Perform Voids Allows operators to v
26. ble to you as a user depending upon the privileges that have been set for your account Therefore you may not see certain features that are documented in this manual Administrator The Administrator account within Merchant Administration is the top level account and the only one created on merchant setup by the bank This is not an operator account for daily use and only has the ability to search for transactions and perform operator administration tasks As such this account should be safeguarded as an operator administration manager s account only It is the only account within MA that is not removable and consequently provides the only access should all other accounts be disabled It should therefore be under the ownership of a Manager Supervisor To initially log on as the Administrator the bank will provide you with access details and you will automatically be granted the privileges as explained above Once you have accessed the system click on the Admin tab at the top of the page There will be two options in the left hand menu select the Operators link and the following page will appear 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 2 m EI Links Qars b Kleng Pocos d Merchant Administration Operator List Greate 27 Overator Edit 27 Operator Operator ID Oparacor Nama Daceriprlon de m nnl der ue 4 blu Figure 2 Operator
27. chant to perform administrative functions such as captures refunds and voids via their host system as an alternative to performing these functions via the Merchant Administration Portal Authorisation The process of a transaction by or on behalf of the cardholder s bank the isser according to defined operations regulations MiGS will return the response to the authorisation request to indicate approval or reason for decline Batch A batch refers to the grouping of transactions by MiGS into payment groups MiGS stops each days processing batch at a set time opening a new batch for the next day s transactions It should be noted that the cut over time of the batch may not be in line with the merchant s business hours Contact your bank for details of the cut over time Capture Transaction A capture is only relevant to merchants who perform split Authorisation Capture combinations Most merchants will not use this function as capture of funds will be performed automatically with a catdholder s authorisation on MiGS If Authorisation Captute is used a separate request by the merchant is performed to capture the funds from the cardholder Cardholder The customer to whom a card has been issued or the individual authorized to use the card This is the customer of the merchant or purchasing goods on behalf of the customer Issuer The issuer is the bank or institution which issues the card to the cardholder In MiGS the iss
28. cia Trarzacdern Scarch Dynn Auli nissan Search Merchant Administration Order List l Order Search Reaults Acquirer D Order ID Orde Reference Amount Date Response Code Status Maina IR e l x 4 sou elimina ETE Mazizrca 537 Li iz 41 10 epiw Cpu gt Masten IR e rx sou An rms ETRE Figure 13 Shopping Transaction List The order list details the following information e Acquirer ID Identifying the acquirer that processed the transaction normally your bank e Order ID A unique number assigned by MiGS for that particular transaction e Order Reference The merchant s unique identifier for each shopping transaction e Amount The total amount of the transaction e Date The date and time of the transaction within the merchant s time zone e Response Code Shows the order response code with a description of the Issuet s response e Status Shows a quick reference reflecting the state of the transaction e g failed authorised captured completed e Result Pages If there are more transactions that can be shown on a single page a link is displayed to take you to the next page To view the details of a particular transaction click on the Order ID and the Order Details page will be displayed 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 16 Order Details The Order Details page displays specific details of a particu
29. corporated MiGS Merchant Administration User Manual e June 2006 42 APPENDIX A Test Environment Test Cards The following table shows the test card numbers and associated expiry dates configured for each card scheme on the MiGS Payment Server Card Type PAN Expiry MasterCard 5123456789012346 05 13 MasterCard 5313581000123430 05 13 Visa 4005550000000001 05 13 Visa 4557012345678902 05 13 Amex 345678901234564 05 13 Bankcard Australian Domestic 5610901234567899 05 13 Diners 30123456789019 05 13 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 43 8 Appendix B MiGS Merchant Administration Response Codes Response Codes The test bank simulator is configured to allow the user to change the response received against the above test card numbers by varying the amount after the decimal point for the transaction The following table shows how the various response codes can be triggered varying the amount after the decimal point QSI Name Resp Amount 0 Transaction approved XXX 00 1 Transaction could not be XXX 10 processed 2 Transaction declined XXX 05 contact issuing bank 3 No reply from Processing XXX 68 Host 4 Card has expired XXX 33 5 Insufficient credit XXX 51 6 Error Communicating with Not Mapped Bank QSI Name Caused by Resp 7 Message Detail Error Inva
30. dual transaction This section also allows you to perform transaction Actions refunds voids Order Search 1 Click the Search tab to be presented with the transactions menu 2 Select the Order Search from the menu on the left side of the browser 3 Enter the required search parameters see Figure 12 Entering more than one search option will return all transactions that match the search criteria The criteria are as follows ETES inter favi star vt Links Linea Pew Order Seach EN b pummel CET COTE IUT Siem Paymene Ainikki Search Merchant Administration Order Search Search for Orders Fram I WKN I AM e Ta Okr D Da des idee Caril Hiber Duilidisciaiing Auilinisiscelatice 11 fupe 5 ZI Merchant Transardoi Sauce al Trauacdeu Siccess I Hinuiber Of Resuks To Display Ou Each Rosuk Page ees Figure 12 Shopping Transaction Search Where the appears hold the cursor over the icon and a field description will be displayed To select 4 transactions you can clear the From field in the date range and all transactions up to the current date will be selected 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 15 4 Click the Search button and the Order List will be displayed showing all transactions that matched the search criteria entered See Figure 13 Links hda Senet gt Ami
31. e Download button instead of Submit this allows you to download the data range that has been selected Once you click the Download button a pop up window will appear promoting you to either open or save the csv file see Figure 17 gt Reaicla Traisacibon Scorch i bam memi vai Merchant Administration Financial fransaction 1 Search Fila fies sani Seat for Saw dar aranna Le dit lec ure oes die vil rti vr VA end ogee Ferran sev lere es in Flint ARSE DAS Lo cc plan Fil Vola TA 42 ir sega ne Vineoadum Ht ver verre te m NI Hed Furie FAH Transacdou Tyit eet INIM A 18 0 89 I Nr ttyt o9 Phogtinenl Palloni Jas RE Land Hoc Arpa di D Transacdoa Scano Aa oe Millpdadum lyon ace LLET TEE TETE latc n im Humiicr Of Reks ToOtsyibsy Ou Eac Resul Paye Figure 17 Transaction Download function Select the option you want and follow the prompts to either open or save the file 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 24 You can also download the search results from the Financial Transaction List page click on the link at the bottom left of the screen and follow the prompts as above Financial Transaction Details The Details page displays comprehensive information for each financial transaction and provides a direct link to view the details of the associated Order transaction Actions can only be performed in the
32. e When an amount has been entered click the Capture button e Capture Completed If you do not expect to completely capture an outstanding authorized amount you can mark the transaction as Capture Completed thereby removing it from the Action list Click the Capture Completed button e Capture Not Completed If an outstanding amount has been marked as Capture Completed its status can be changed to re activate the remaining funds if they are then expected to be captured Click the Capture not Completed button The refreshed details page is displayed showing the new capture amount The Capture fields will only appear if the merchant is configured with an Authorisation Capture mode of processing as opposed to Purchase e Refund Allows an operator to refund any given amount up to the total purchase amount Both the original and refund amounts will appear on the cardholder s statement Enter the amount to be refunded in the Refund field and click the Refund button The refreshed details page will not display an Action section following a refund as no more actions can be preformed The refunded amount will appear in the Order Detail section 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 20 e Void A void is the cancellation of a previous transaction ot action excluding Authorisations but can only be performed if the order
33. e passwords of other operators 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 12 Locked out Users Logout When logging into Merchant Administration you have five attempts to enter your password correctly before your user account will be disabled If you login incorrectly there will be an error message asking you to check your credentials If you repeatedly enter the incorrect login details after five attempts you will be locked out and get the following error message Plaace raviaw any meceague below and or check your login dctadz Youruser sccountis locked out Please vunlacl a sysler adminis tra Lor Merchant ID Operar Er ID lc d at LJCY EST Password 55222299925 Figure 11 Repeat Login Failure Error Message If this happens you must contact your Administrator or Supervisor someone who has the Operator Administration privileges who will be able to reset your account The existing password will still be valid To log out at any time simply click the Logout tab and you will automatically be logged out of Merchant Administration The merchant login screen will be displayed You must always log out after using the Merchant Administration portal without doing this an unauthorized user would have the ability to use the back button and re enter the MA portal before your session has timed out All MA sessions will be
34. erCard SecureCode e Authentication State A description of the status of the authentication attempt Y Success N Failure e Verification Token A unique identifier returned by the Issuer for the authentication known as the AVV for MasterCard and CAVV for Visa e Verification Security Level The security level sent in the subsequent authorisation message This could be the Issuer response ECI for Visa or SLI for MasterCard values e 3 D Secure VERes enrolled The determined enrolment status of the cardholder from the International MasterCard or Visa Directory Services Y yes N no U undetermined e g the payment authentications system was unavailable at the time of authentication e 3 D Secure XID A unique identifier allocated by MiGS and is used to trace the authentication e 3 D Secure ECI The 3D Secure Electronic Commerce Indicator as returned from the Issuer in response to an authentication request If the authentication response is undetermined this field will be blank If this value is received from the Issuer it will also be returned in the Verification Security Level above e 3 D Secure PARes status Indicates the result of the cardholder authentication The available values are Y Yes 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 30 N No A Attempted Authentication but failed For example the cardholder failed to enter their password
35. ets on the system If you have this privilege you will need the new operator s details including name position and the privileges that they are to be configured with See the Creating New Operators section on page 5 e What happens if I lock myself out of Merchant Administration You have three attempts to correctly enter your password into the MA login screen before your account is disabled If this happens you will need a Supervisor or Administrator someone with the Perform Operator Administration privileges to enter the system and unlock your account The same password will be valid See the Locked out Users section on page 13 e Why can I not see all the functionality that is described here in this manual All operator accounts are created individually Some users may be set with different privileges to others depending on the purpose of their access to Merchant Administration The privileges you have are normally set by your Administrator Supervisor This manual describes the features of a functions within MA some that you as a user may not have TRANSACTIONS e In Merchant Administration what is the difference between an Order and Financial Transaction An Order is the original purchase transaction for goods or services A financial transaction refers to all transactions the original order and all subsequent actions i e voids or refunds See the Transactions section on page 15 e How do I search for
36. face between the MiGS Payment Server and your merchant Shop amp Buy application For more information on the Virtual Payment Client VPC please ask your bank for the MiGS Virtual Payment Client Integration Guide There are two methods by which to manage merchant transactions e Merchant Administration using a web browser interface to interactively perform purchases refunds voids transaction searches and setup processes These functions only are detailed in this manual e Advanced Merchant Administration AMA using the Virtual Payment Client to interactively perform administrative functions directly from your host application for example refunds and voids For more information on Advanced Merchant Administration and how to integrate it with your software application please refer to the Virtual Payment Client Guide 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 1 At any time when using the Merchant Administration facility you can click on the icon as it appears and it will display a window giving an explanation of that particular field on the screen Links Crome Orikr Crezi ire Ente Merchant Administration Create Order Entry Ca dar Rater ae Amour 5 nin Click on this icon for help in explaining the individual fields UTE CUITE LOTETEEZ Azul mr Figure 1 Help Icon Certain tabs and functions may not be availa
37. he Search tab to be presented with the transactions menu Select the Payment Authentication Search from the menu on the left side of the browser Enter the required search parameters see Figure 19 Entering more than one search option will return transactions that match all the search criteria chosen 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 27 KLAS Links Dede Sench Faz7el rhzmd yin Eo 7 Prone bl Tramo rien Search gt Ramone interi sort Merchant Administration Payment Authentication Search Search for Payment Aumanticatione From Mhinn HU Griler Referee Aider Type A Zn cm lise Tant ne furticidicntor Serie D ace tis dez Tian s vin emi presina eee r f amp Figure 19 Payment Authentication Search To select a transactions you can clear the From field in the date range and all transactions up to the current date will be selected 4 Click the Submit button and the Payment Authentication List will be displayed showing all transactions that matched the search criteria entered Sce Figure 20 Links o dea Neath Fiac bal Traisac hon Scarch ramccamonksinnscreh Merchant Administration Payment Authentication List Free vohid ynl 2 Payment Authenticatian List Autharbceaten ID Authentication Type OrderReterance Amaunt Data 5253 H AAAA Ore DI 1 2
38. inistration Configuration Details gt Xallas el ered ond Marchant Me cheat Wans beazionta 1 Teri ve in Me tian TETE nternationalisation Leak Vapeur ud sl Vates on az zb yx tirtuai Payment ient Miira Darke 177D F24 Sow e Mach Serm Wit ULNAS SALES LIANT UT Ab Lair CE varslad ila ral can ubh li gh rare Figure 8 Configuration Details Only limited fields can be edited Having checked the existing details click the Edit button This brings up the following screen and the fields that can be edited are listed below RESTO Just Links Pu 7 Merchant Administration Configuration Details Change Passwaril erac idu I Merchant Tyri can Manin asl a han Mhi chun b LEFRAT Intermatianatisatiar Locak Luz idi TER Thue Zuwe PRIE ST Virtual Payment Client Access Calle Ul ccUz Secure Has Secree 1 Worm CUE NE EH LL ue II Ri HIS are 1 Pary Raimi URL Payment Cilent mnt bersi Salone HIE taneet Figure 9 The Configuration Detail Edit Page You can amend the following fields Virtual Payment Client e Secure Hash Secret 1 Allows you to add another Secure Hash Secret value if desired e 3 Party Return URL This allows you to enter the default return web address where the cardholder is 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 11 directed back to on completion of the tran
39. ion Payment Authentication Details Payment Authentication Details furticitembor ID HET Ihda I DGA Da alee pensi ind nd Amour Aimictiicatbr Type Mihin CITES ENT CS fzd Vic didi Erbe Es ATACH2 1 G ver codon Secure Level a MO Secure VERes Br ded Me Xp Sene MID fec DmlLTi27022 6 HIS Sp Smnet 12 e MD Secure PARCS Semis Mme Taken Secondi K Vevaned Trani gsnzinaniiti ig maad eletalcye res oouled li gh rare Figure 21 Payment Authentication Details Authentication ID A unique number assigned by MiGS for that particular authentication transaction Date The date and time of the transaction within the merchant s time zone Order Reference The merchant s unique identifier for each payment authentication transaction 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 29 e Card Number Displays the card number used in the transaction The card number will be displayed according to the format set by the bank Depending on your profile the format used for displaying card numbers is one of the following 0 4 format for example xxxxxxxxxxxx1234 6 3 format for example 654321xxxxxxx123 The full card number is displayed The card number is not displayed e Amount The total value of the transaction e Authentication Type Indicates whether the transaction was authenticated by either Verified by Visa Visa 3 D Secure or Mast
40. issues 14 Iittoduciofsi iaia TE TEE 14 Otder Seatch italia 15 Order Details re ara 17 Financial Transactions is annee idtessconss ocesusdessicaeceserseuscbedncs sasscasteusdvosescuecsceieceseddbetaceses sacues 22 Financial Transaction Search cccccccccccsseccccsecccececssccecuscccssecesueeccuuucecsuccceucecauacesaeeeusaceseneees 22 Financial Transaction Details ation iaia inte 25 Payment Authentications Selection ccsssscccssssescesssesessnsesceesecescssessssesensesassconessessessesconees 27 What are Payment AuthenticatiOfs erede ith caiano 27 Payment Authentication Search csi ian iaia 27 Payment Authentication Details terrre a Tn 29 A ORDERS sescesdssievsssederdcesuedocesadvcuvacdnseccestsscdastedeensuescuscdusccivedencvbedsncecedsucecbvsndecuseuscudvevseusvewnesseusee 32 Introductioini siciiiiiiiaiioniiziori cinesi vsale vizi boniziniziine siivianica lina EES EES SS EEEE EEEE ESS EEEE eni 32 Performing a Card Transaction essences nes cenere resse zeceeeecerez eresse sererioneneezenne 32 5 REPORTS aaa 36 INTOdUCTION RTT TE 36 Merchant n 36 6 GLOSSARY M 39 f APPEN DEX A vani 43 Test Catdsascceseeexeeee E esc uc wexsse eive eH eue vp sei sovaveeaseecasauesabss UR FEL EU eU D ssiven avd sacd evavdeveasaussacseisanes 43 8 eN ed ad AnA DA D E
41. lar transaction including card details This section also allows you to perform certain actions against that transaction for example a refund This page is divided into the following sections e Order Detail e Address Verification Details e Card Details e Action e History 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 17 Links nou Severn Fhacial Traeizscdeu Search gt ramrash Merchant Administration Order Details Order Ostene Lite D Mutti cod Order ID te Dim AUDI 19807 Order Reference wh Amini 00 Allene Amid 00 Capoured Anioure sun laluna Amid 42 20 Matane ado Cork o Mercham Tramsactian Sairce Mili Fluleni Leones dieque ElgeT nordo Reginuse Code We Ages nural Address Verincation Cetalls Caril Holder Hame CEA CRETE LHLIIL 1 uz zia Cord Details Caril Tux EEG ETE bibi Va d Hunts 262679209202 207 Caril Bairy vl Action Hamal Smut late Copre Vo dice MIZI zu cezo u pue Merchant Response Date Transachan amount pensar Tween Transaction Transachon TP Rataranca gt fpr HIG 15027 Dade slot 212 20 cuze e ci a Um ale II ute ION tne e Te Figure 14 Order Details Order Details The Order Details section documents general information about the shopping transaction including the following e Acquirer ID Identifying the acquirer that processed the transaction normally your bank e Order ID The uniq
42. lid PAN Invalid Expiry Date 8 Transaction declined Not Mapped transaction type not supported 9 Bank Declined Transaction Not Mapped Do Not Contact Bank For example to obtain a response of 1 on a MasterCard simply send a transaction for xxx 10 against one of the above MasterCard numbers Developers should use these response codes in exception handling For further detail on the reason for decline the issuer response code should be checked See Issuer Response Code Mapping 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 44 The following table is a list of relevant returned response codes Please note that response codes may vary depending on your bank Response Code Description Response Unknown 0 Transaction Successful 1 Transaction Declined Bank Error Bank Declined Transaction Transaction Declined No Reply from Bank Transaction Declined Expired Card Transaction Declined Insufficient funds Transaction Declined Error Communicating with Bank Payment Server Processing Error Typically caused by invalid input data such as an invalid credit card number Processing errors can also occur Transaction Declined Transaction Type Not Supported wo Bank Declined Transaction Do not contact Bank Transaction Aborted Transaction Cancelled Deferred Transaction
43. n User Manual e June 2006 9 e View Report Pages Allows the operator access to view the merchant report pages They can be viewed in either a daily weekly monthly or yearly format e Enable Advanced Merchant Administration Features This privilege should not be enabled for those operators wishing to function through the Merchant Administration web portal The Advanced Merchant Administration feature is to allow merchants to automatically carry out certain actions directly through the MiGS software VPC for example to run a QueryDR search for a transaction If this privilege is enabled the operator will not be able to login to the MA web portal e Download Transaction Search Results Allows an operator to download a set of transaction data from within MA to export as a csv file e Allow Software Download Allows an operator to download software applications on MiGS i e the Virtual Payment Client sample codes Configuration Details From the menu on the left side of the browser screen click on Configuration Details to edit Merchant Configuration See Figure 8 The merchant configuration details are preset by the bank and should not need editing Only the Administrator account needs this privilege and should any changes be needed the bank should be contacted first 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 10 Links ee H M H P Candiani tic Merchant Adm
44. ne Heure la Giro Sepil Zea Merchant Administration Gateway Reports Gateway Reports From Lure LI Thiet LIL PTT figu RI i IBS Silt vareiland ila ralcon res oouled gt ii gtu rare Figure 26 Merchant Reports 2 Enter the dates of the transactions that you wish to include in the report Clearing the From field will select all transactions up to the current date 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 36 3 Choose the time interval that you wish the transaction reports to be displayed in The four options available are daily weekly monthly or yearly each tow of data will represent the counts and sums of the transactions fot that time interval i e one row per day week month or year 4 Depending on your setup you may be able to choose an Acquirer to view data related to a specific card type If this does not apply leave the default value of AIP 5 Click Submit to generate the Gateway Report as shown below Links 5o lindrenany Haee I Gateway Waekiy Reports ETA MI tet ok eet ur ue lSdpondo tae n E n No Yo Total Total Total Total Date Acquirer Marchant Transactions sectenents Authorisaciors Captures Purchases Refunds 10009 20 100 401 wor eaten 1 p uni su gi J F U vus F 27 mu 3 E 100 4 0 300 1 p uni i gui Tees 15 wan nm vini wm Figure 27 Merchant daily Report
45. nt 44 SISI 44 CSG Result Codes on sisi eeeev soeasu voceoesstscccesessteoeecssesesccevsccsesescesecessssbocteccbevesedeceotescesevsusessecess 46 Response Code 46 Authentication Status ee eo eee ero etae a oaa apa ese road ael oessa cocsccvdscessasecs S evos obs sssr ebrieso onn os SSES sa es e 47 Verification Security n A 48 3 D Secure VERes enrolled cccccccsossscssscscsssccccescccccccensscccssnsnccesccsssccescnsccccessescccescnnccsccessscccees 48 3 D SECULE XID PM 49 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 vii MasterCard International Quick Reference Guide Getting Started e Why would I use Merchant Administration Merchant Administration is used by merchant personnel to monitor and manage their on line processing and administration of payments e How do I access Merchant Administration for the first time You need the MiGS Merchant Administration URL your merchant id user name and password to access the MA system these details will be provided by your bank See the Logging In section on page 4 e How do I create additional operator accounts for access to Merchant Administration You need to have the Perform Operator Administration privilege in order to create new us
46. ntications MasterCard SecureCode and Verified by Visa were created to alleviate online security concerns for both cardholders and merchants Essentially it verifies that the customer is the genuine owner of the card being used in the transaction For cardholders it provides added security as they are assured that the browser screen is legitimate and belongs to the merchant in question For the merchant it provides greater security against fraudulent chargeback claims as once the Issuer has authenticated the cardholder liability shifts from the merchant to the bank This is guaranteed when A O The merchant is fully enabled for Verified by Visa and or MasterCard SecureCodeTM The Issuer authenticated the cardholder using Verified by Visa and or MasterCard SecureCode Following cardholder authentication the Issuer authorizes the transaction and the merchant receives a response code from the acquirer confirming approval For more information on MasterCard SecureCode or Verified by Visa please contact your bank Payment Authentications administration is carried out in three stages 1 Payment Authentication Search Allows you to search for single or multiple payment authentications Payment Authentication List Lists the individual transactions returned by the search Payment Authentication Details Shows the details of the authentication transaction Payment Authentication Search 1 2 Click t
47. oid a transaction Voids can only be performed if the transaction has not been processed by the acquiring bank i e the transaction is in the current batch date e Perform Refunds If checked an operator may process a refund the transfer of funds from the merchant back to the cardholder Merchant Maintenance e Modify The Merchant Configuration If checked this allows the operator to edit the merchant configuration details These details are preset by the bank and should not need changing Please contact your bank should these details need amending e Perform Operator Administration This privilege allows an operator to perform administrative tasks within MA including creating and deleting other operator accounts Therefore it should only be given to supervisors managers or those with the authority to carry out such changes General e Perform Actions With A Supervisor s Password This privilege allows an operator to perform actions that they are not normally permitted to carry out but only with a supervisor s password So if an operator without the privilege attempts to perform a refund a box requesting a supervisor s passwotd will appear Only if this is entered correctly will the refund be processed In this case a supervisor is any user who has the necessary privileges for these actions It is this user s name that is recorded against the action 2006 MasterCard International Incorporated MiGS Merchant Administratio
48. onse For full details of the transaction go to the Order Details page see the Orders section in this manual If you ate setup as a pre auth capture merchant you will see the option to Capture Now at this point see Figure 24 below Links fo Eotele Dn der C xe O dir Serpiro Merchont Administration Create Order Response 0 Approved Response Detala 000 Cube 1 si Ancla Trarsacdo ID DEI Dim AUDI 12807 cinba Hdninia dies Aucun sun Cunt iypnu Mv Card inidar Hana L cs card Card Hinter EL LES LE Min a Cnt xps dui Auiharisadoi Code M 7 Acipirer Response Care n ESTE TTI SICA ale 0 prod FFH nni Caudry xh Tan Travau oe Fik Corn Dwu Mave Tavani We at Pato Figure 24 Capture Now The Order response page allows you to capture funds immediately if desired If you select this option MiGS will direct you to the Order Details screen to the Action section where you can perform the capture 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 34 ws Links Pa Zub IMMX Crewe Order BEES Merchant Administration Order Details Orie Details Acquirer ID Wet Lex done V cei iil si Ihin Orikr Frferece nmu hong heme Carine Amar Vdiiided imu uhinaren Ende Mercian Trans actian Saree Mili Matoni onkelen haju SlqeT 250 Mee io Corde 0 p mezd Address Verification Details V
49. s configured with the appropriate privilege on setup e Response Code The response code for the transaction with a brief description Address Verification Details e Card Holder Name Shows the name of the cardholder involved in the transaction if entered at the time of the order e Country Shows the country of the cardholder s billing address Card Details This section details the following information e Card Type The type of card used for the transaction for example MasterCard Visa American Express 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 19 e Card Number The number of the card used in the transaction Depending on your profile the format used for displaying card numbers is one of the following 0 4 format for example xxxxxxxxxxxx 1234 6 3 format for example 654321xxxxxxx123 The full card number is displayed The card number is not displayed e Card Expiry The expiry date of the card used in the transaction in mm yy format Your bank may elect not to display the expiry date Action The Action section in the Order Details page allows an operator with the required privileges to perform actions against the original transaction These include e Capture Allows an operator to capture any amount up to the full authorized capture amount A smaller amount may also be captured leaving an outstanding amount to be captured at a later stag
50. saction if this is not included in the transaction message Payment Client e Client 3 Party Return URL This allows to enter the default return web address where the cardholder is directed back to on completion of the transaction if this is not included in the transaction message Click the Submit button or the Cancel button to either save or revoke any changes made Once final changes have been made click the Submit button After confirming that the changes have been saved you will be directed back to the details page Figure 8 Change Password To change your own password click on the Change Password link from the menu on the left side of the browser Simply enter the old password and then enter the new password and repeat to confirm see Figure 10 Please note that when choosing a new password you may not enter any of the previous 5 passwords used for this particular operator account Click the Submit button to process the change A confirmation screen will be displayed This function will only be available to you if you have the selected privilege set in your operator profile Links e gt Change Own Operator Password gt LE omana gt Sellma nadel l Change Dan Operator Pesswerd Ou Pazsmoril Moss Parema d Venda an Man Hinas ri LD IPPIER ACE PLESI PESA rare Figure 10 Change Password Operators with Operator Administration privileges have the ability to change th
51. ser 3 Enter the requited search parameters see Figure 15 Entering more than one seatch option will return transactions that match all the search criteria 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 22 ETI uU st Links LALLETLE PTE Post xettor ndi o Codes Sarh Font ransacton Serch PI a P enr eat sean Merchant Administration Financial Transaction Search Search for Financia Transactions ham Iich Wadi IIN Traneaerhn Type ET Fanni Medinet EEEEEE Acquirerio Mroaneudemn Slade ol Padtinariazalonie DT Aimicinkabn Sane se Figure 15 Financial Transaction Search To select a transactions you can clear the From field in the date range and all transactions up to the current date will be selected 4 Click the Submit button and the Financial Transaction List will be displayed showing all transactions that matched the search criteria entered See Figure 16 pren aai at ae wm mE F ni cl Tra 2zdznL zi gt Ouh Seth Recto Trvwievhn Sow eh A E Fame aiment scan Merchant Administration Financial Transaction List l Financial Transaction List soc setan Marchant Aura Transaction Transaction iii Anour Date Response Cada Reterence Type pee aA EE Fu 22 02 W3 62 5FM 2 ln d EAD Liven s CIS KAIM HE At nnl Hiswa
52. t minus any voids e Total This tow indicates the grand total of each column as per the report selected If the reports include transactions up to the current date the total will represent the total numbers for all categories up to the current date or totals represented within the chosen date frame To print the report select the File option from the browser toolbar and select Print 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 38 6 Glossary This chapter defines various terms concepts acronyms and abbreviations used in this document These definitions appear for convenience only and are not to be used or otherwise relied on for any legal or technical purpose MasterCard specifically reserves the right to amend any definition appearing herein and to interpret and apply all such definitions in its sole discretion as MasterCard deems fit In addition the description of terms in this section are in the context of what they mean within the MiGS service rather than any more generic meaning 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 39 Acquirer or Acquiring Bank The bank that maintains the merchant relationship and facilitates the processing of payments on behalf of the merchant Advanced Merchant Administration A special privilege which can be granted to a MiGS Merchant Administration user allowing a mer
53. t Wmber Merchan Traazacdeu Source Mex 1 le Vionreendin liais uzak x Tae T Defi Tina ne Figure 22 Card Transaction 3 Enter the transaction details the fields marked with an asterisk are mandatory fields and must be completed Enter the amount card number card expiry and card security code if applicable All other fields are for administrative purposes and therefore may be left blank or completed according to merchant requirements e Order Reference A reference assigned to a transaction by the merchant 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 32 e Amount The total value of the transaction e Cardholder Name An optional field to enter the cardholder s name e Card No The card number to be used for the transaction e Card Expiry The expiry date of the card being used e Card Security Code CSC Although not a mandatoty field it is important to populate this field The CSC is found on the back of the card using the last three digits that appear If the code is entered correctly the merchant then has protection against chargeback under certain conditions There may be the option to check the No CSC Printed On Card option if the CSC is not available to enter If you have any concerns with this please contact your bank e Airline Ticket Number Despite its name this is a generic reference field for the merchant to populate for administra
54. the Acquirer in one single message A transfer of funds from the merchant back to the cardholder example usages are when goods are returned or unable to be delivered On the MiGS system refunds must be matched to a purchase capture transaction and must not exceed the original value of the transaction Secure Socket Layer SSL developed by Netscape Communications Company is a standard that encrypts data between a Web Browser and a Web Server SSL does not specify what data is sent or encrypted In an SSL session all data sent is encrypted MiGS only supports SSL connections of 128bit encryption from the cardholder or merchant browser Verified by Visa Void Verified by Visa is a program designed to provide online retailers the added security of having issuing banks authenticate their VbV enabled Visa cardholders and qualify their online transactions for protection against cardholder unauthorized chargebacks A cancellation of the payment portion of the transaction to that no funds are transferred between the cardholder and the merchant The transaction is cancelled and is not recorded on the cardholder s statement Voids can only be performed on transactions that have not yet been sent to the merchant s bank for processing at the end of day see Batch Once a transaction has been sent by MiGS to the merchant s bank for processing the merchant must perform a refund instead of a void 2006 MasterCard International In
55. the merchant will receive funds automatically e PRE AUTHORISATION is used in cases where the verification of a cardholder s funds is needed before the actual delivery of the goods or services An authorisation is made to confirm the availability of funds by the card issuer and that amount is later captured by the merchant transferring the funds into the merchant account The authorisation and capture components of this type of transaction are handled in two separate message requests As a merchant you will be set up by the bank to perform in either one mode or the other not both Order administration is carried out in three steps 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 14 1 Order Search Allows you to search for single or multiple transactions It is important to note that if more than one search criterion is entered only transactions that match a those search fields will be returned For example if you enter the transaction number of a known failed transaction as one search criterion and enter transaction success as successful as another no transaction will be returned The search results have to match all the criteria entered You must also ensure that the transaction required is within the date range specified 2 Order List Lists the individual transactions returned by the search 3 Order Details Shows the details and associated history of an indivi
56. tion privileges allow those operators to create new users but also to delete and modify existing ones It is advised that only supervisors have this privilege or a select few to avoid misuse of its function For a description of each function please see the Privilege section below One privilege to note is Advanced Merchant Administration see screenshot below as this must only be set for those operators who wish to function oz y through the Virtual Payment Client directly Once this has been selected for an operator they will not be able to log into Merchant Administration via a web browser All operators wishing to log into the MA portal to enter manual transactions or complete administrative tasks should not enable this privilege Transactions Peran MOTO Trasacdoers O Pemani Purchases O Pwilim siete 11 MVwilim batik 1 Merchant Maintenance TELA IATA MST din 11 Marton Clee dii denned din 11 Mwiliim Atom with Nugieimmam Bem d Il eco lipis I Hogpres 11 Allam Safimare Damniosil O Allam Payme Clerk Domipasrt e Als Marchand Admin incumererinn inni ntu Camel Sabri Figure 7 Advanced Merchant Administration privilege which should not be enabled for MA portal operators Once all fields have been completed or checked click the Submit button and a screen will be generated confirming the success of creating the new operator This process should be completed for each operator that is to
57. tional Incorporated MiGS Merchant Administration User Manual e June 2006 ix An overview of Merchant 1 Introduction m MiGS Merchant Administration MA is an Internet based portal that allows merchants to monitor and manage their on line processing and administration of payments through a seties of easy to use pages Merchant Administration can be accessed via an Internet browset the appropriate URL will be provided by your bank To use Merchant Administration a merchant profile is required The profile is a record of merchant details and the permitted functionality that the merchant has within the MA portal all details are stored on the MiGS Server Two types of merchant profile are created through the bank s enrolment process e TEST merchant profile this allows merchants within the test facility to perform transactions against an emulator of the bank s transaction processing system This profile will always exist for testing purposes To access this facility precede the merchant id with the word TEST ie MERCHANTO1 becomes TESTMERCHANTOI1 e PRODUCTION merchant profile activates merchants within the production system allowing them to process transactions directly against the MiGS live transaction processing system This profile is only activated once testing has been deemed sufficient by the bank The MiGS Virtual Payment Client a piece of clientless software provided by the bank is required to provide the inter
58. tive purposes e Merchant Transaction Source The soutce of the transaction as selected by the merchant The different options are Internet MOTO Mail Order Telephone Order Call Centre Card Present These ate only shown if the merchant is configured with the appropriate privilege on setup e Transaction Frequency The subtype of the transaction as selected by the merchant The different options are Single Recurring These ate only show if the merchant is configured with the appropriate 4 Once you have checked the details are correct click the Submit button If you realize that the details have been entered incorrectly click the Reset To Default Values button to clear the fields and start again 5 A Create Order Response page will be displayed confirming the success of the transaction If the transaction failed an error page will be displayed An example is shown below 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 33 Links Cia indirtizionie gt Qasa Caen Se Merchant Administration Create Order Response 0 Approved Response Deans 00000000000 ELI uni Devas haamori El Pe Fora Porci Usb nier Reference dex site Lie Amount y Cur Hind Minc i Cur d Mundi CXXXXXH4GI Can Expy mae 0 Biriiorisaibon Code Figure oeque Erde n Frapo Cathe 0 ip tex rw Us sie Conny alal EEEN She Rawr Wi Aen et Figure 23 Card Transaction Resp
59. ue number assigned by MiGS for the orderl transaction e Date The date and time of the transaction within the merchant s time zone e Order Reference May contain the merchant s unique identifier for each transaction if entered at the point of transaction 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 18 e Ticket Number This will show the reference entered by the merchant in the Airline Ticket Number field if populated at the time of the order This is a generic reference field for the merchant e Amount The total amount of the transaction e Authorised Amount The total amount authorized by the Issuer e Captured Amount The total amount captured by the merchant e Refunded Amount The total amount that has been refunded against the order e Authorisation Code The authorisation code from the bank approving or declining an authorization transaction request The format of authorisation codes vary from bank to bank e Merchant Transaction Source The source of the transaction as selected by the merchant The different options are Internet MOTO Mail Order Telephone Order Call Centre Card Present These ate only shown if the merchant is configured with the appropriate privilege on setup e Merchant Transaction Frequency The subtype of the transaction as selected by the merchant The different options are Single and Recurring These ate only show if the merchant i
60. uer or their agent decides on approval or decline of a cardholder request for payment of goods or services from the merchant If a transaction is declined by the issuer the cardholder generally needs to contact their issuing bank Mail Order Telephone Order MO TO A generic term referring to any Card Not Present transaction When the cardholder s card is not present the merchant may be allowed to accept the card details from the cardholder by mail or telephone In this type of transaction the merchant collects the card details and supplies all of this information to MiGS in the request 2006 MasterCard International Incorporated MiGS Merchant Administration User Manual e June 2006 40 MasterCard internet Gateway Service MiGS MasterCard Internet Gateway Service is the trademark name for the MasterCard Regional Service Centre and the Internet Payment Gateway front end MasterCard SecureCode MasterCard SecureCode is a program designed to provide online retailers the added security of having issuing banks authenticate their MasterCard SecureCode enabled cardholders and qualify their online transactions for protection against cardholder unauthorized chargebacks Merchant A retailer or any other person firm or corporation that pursuant to a merchant agreement agrees to accept credit cards Merchants can only operate on MiGS if they have signed agreements with their bank Merchant Administration An internet

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