Credit Card Processing


M

mnylen

Hi! I run a retail store and as of right now running one cc machine (a
Hypercom unit) via dial-up. My fees have in creased as have my transactions
(up to about 40%), which is a lot in the liquor industry here. I am looking
at a solution that would integrate with RMS and that would be online but with
a dial up backup. I went on the Mercury site, but could not really find any
hardware specs. I am assuming that the solution needs to be integrated as
well. Are there any other solutions out there, and are the set up costs high
before operating? I mean, they have to be small and the rates at a minimum
where I am right now, but preferably lower. Can anyone shed some light on
this issue for me. I have one register open all the time and a second one
during the holidays. Thanks, Manny
 
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J

Jeff

Manny,

This type of thing is handled in hardware by your router/firewall. SMC,
NetGear, SonicWall, D-Link, US Robotics, Symantec and many others sell a
router/firewall that has a serial port built-in to it so that when your
broadband connection dies, it will automatically dial out on an external
modem. Note you must have a dialup Internet account in addition to your
broadband. If using DSL, you usually get a dialup account with 20 hours or
so per month access included. Otherwise, a cheap dialup account for about
$10-40 per month.

Cost for the router/firewall ranges from $60 to 2,000, depending on
features. External modem with cable run $100-125. Please, please _only_
buy a US Robotics 56k External modem. It _always_ works! Model # USR5686E

For the actual processing of credit/debit cards, you can use any bank/ISO
(Mercury works fine as do others) that uses Vital as their processor with
the free built-in RMS/MSPOS credit/debit card functions.

Credit card swipes run $70-125. If you decide to do debit cards, and you
should look at doing so, add another $125-300 for the pinpad.



Hi! I run a retail store and as of right now running one cc machine (a
Hypercom unit) via dial-up. My fees have in creased as have my transactions
(up to about 40%), which is a lot in the liquor industry here. I am looking
at a solution that would integrate with RMS and that would be online but
with
a dial up backup. I went on the Mercury site, but could not really find any
hardware specs. I am assuming that the solution needs to be integrated as
well. Are there any other solutions out there, and are the set up costs high
before operating? I mean, they have to be small and the rates at a minimum
where I am right now, but preferably lower. Can anyone shed some light on
this issue for me. I have one register open all the time and a second one
during the holidays. Thanks, Manny
 
M

mnylen

Jeff,

thanks for your prompt reply. I already have in an internal network running
and i have a router LInksys wrtg54. I have a Hypercom cc terminal with pin
pad as well. Basically you are telling me that I have the hardware. Today I
use NPC as the cc processing company, so they are the ones that probably can
tell me if it can be integrated (do not know if they use Vital, but that
seems to be the crucial point here), but still, I have not found in RMS how
to integrate with the sw. Why would I have to use a dial up internet
connection if my DSL dies? I would still use the hypercom terminal then? I
guess I am confused as to what swiping hardware I need. I assume I cannot use
the hypercom for internet unless I can tie it in with RMS, which I do not see
how.
 
M

mnylen

I think I understand. I would by a magnetic reader USB or wedge and a pin pad
that would connect directly to the pc and thus integrate with RMS...
 
G

Greg Williams

You don't have the hardware currently if you want automatic roll over to
dial up. The Linksys WRT54G does not have rollover to dialup capability.
You need a router that has a serial port on the back to connect to the
external modem. Jeff is right. Only use a USR 5686E. We have had good
luck with the Netgear FVS338NA router.

If you want to use your old hypercom terminal when the internet goes down,
then you don't need rollover to dial up. You can keep your current setup.
NPC supports Vital. You need to call them and ask them for a Vital setup
sheet.

This is probably best handled by your RMS partner.
 
M

mnylen

Thanks! Now it is fairly clear. I called my NPC sales rep and asked him. Can
you recommend a Pin Pad and Magnetic (USB) reader for me please? How does the
Pin Pad connect to the PC? USB or serial or wedge or...?

Overall, should I expect the same rate as I have with my standard cc
processing or lower? I know it is case by case, but is there a trend?

Thanks again. Love this forum. Lost without it! -Manny
 
M

mnylen

Jeff,

thanks. One final question. Pin based CC transactions were natively within
RMS if I use NPC which is in the pull down menu, ie I do not have to switch
away from RMS.

M
 
J

Jeff

Manny,

I've never heard of a pin based credit card. Pin based are debit cards.

Not sure what pull down menu you are referring to.


After setup, you will have 1 to 5 credit card tender types, you decide.
Some have just a single one called Credit Card, other like to break it down
by type of card, Visa, MasterCard, AMEX, Discover, etc

You will also have a Debit Card tender type

When finished with the sale, the cashier selects the proper tender, swipes
the card, and in about 2-3 seconds the receipt printer starts printing, if
approved.

For the debit card, the cashier selects the Debit Card tender type, swipes
the card, asks the customer to enter their PIN # on the pin pad, the
customer confirms the dollar amount by pressing the Enter key on the pin
pad, and in about 2-3 seconds the printer starts printing


Jeff,

thanks. One final question. Pin based CC transactions were natively within
RMS if I use NPC which is in the pull down menu, ie I do not have to switch
away from RMS.

M
 
M

mnylen

Jeff,

Sorry. I meant Pin Based transaction, ie debit transaction using the pin pad
of course. as for pulldown I meant in the setup in operations mgr. I select
ie PC-Charge on EDC software, and the later on the pulldown menu for
selecting the Processing company. My question was if my processing company
was listed, in this case NPC, and they support VItal, then I would not have
to exit RMS to process the pin base transaction, as some solutions as has
been indicated in this forum. More over, you stated that the receipt will
print. I have my printer only to print on request, will I have to change that
now that I would be using my printer for the cc transactions? 1 in 50
customers asks for a cash receipt and I do not wish to waste paper. In other
words, can I still have receipt upon request for cash transactions and RMS
print automatically for cc and debit transactions? Thanks again! Manny
 
J

Jeff

Manny,

Unless you plan on using PCCharge, an extra cost program, do not select
PCCharge. For the free built-in credit/debit card RMS software, select
Preferred Acquirer... The free stuff _only_ works with Vital. If NPC
account can use Vital, you're good to go.

If you are using PCCharge or ICVerify, you have to exit or minimize RMS to
process a debit card. In RMS, it just pops up a screen for the customer to
enter his/her pin number.

You're receipt settings can remain the same, although, you should get a
customer's signature on all credit card transactions, if possible.



Jeff,

Sorry. I meant Pin Based transaction, ie debit transaction using the pin pad
of course. as for pulldown I meant in the setup in operations mgr. I select
ie PC-Charge on EDC software, and the later on the pulldown menu for
selecting the Processing company. My question was if my processing company
was listed, in this case NPC, and they support VItal, then I would not have
to exit RMS to process the pin base transaction, as some solutions as has
been indicated in this forum. More over, you stated that the receipt will
print. I have my printer only to print on request, will I have to change
that
now that I would be using my printer for the cc transactions? 1 in 50
customers asks for a cash receipt and I do not wish to waste paper. In other
words, can I still have receipt upon request for cash transactions and RMS
print automatically for cc and debit transactions? Thanks again! Manny
 
M

mnylen

Jeff,

it is important to stay within RMS. So Vital is the only way to stay within
then? Or Citbank or Mercury if I have understood it correctly. Man, this is
confusing. I do not want to have to exit RMS. Then on the other hand, in the
getting started guide it states that "PC CHarge and RMS" should be able to
communicate together...

Manny
 
J

Jeff

Manny,

Citibank, Wells Fargo, Bank of America, Paymentech, NPC, etc are all ISOs
(Independent Sales Organizations). They all resell Vital's processing
services.

RMS has a _free_, built-in program that communicates with Vital only.

PCCharge, ICVerify and Atom (if they are still around) are all standalone
programs that communicate with different processors, Vital being one of
them. They all cost $250+ They also add a layer of complexity, because
they work between RMS and the processor.


Assume for kicks you are using PCCharge.

RMS passes the info to PCC. PCC then sends the info to the processor. The
processor sends info back to PCC. PCC then sends the info to RMS.

OR

If not using anything but RMS. RMS sends the info to the processor, the
processor sends the info back to RMS

You would use these other programs _only_ if your ISO can/will not use
Vitals' services or if you require check guarantee or EBT processing.



Jeff,

it is important to stay within RMS. So Vital is the only way to stay within
then? Or Citbank or Mercury if I have understood it correctly. Man, this is
confusing. I do not want to have to exit RMS. Then on the other hand, in
the
getting started guide it states that "PC CHarge and RMS" should be able to
communicate together...

Manny
 
M

mkatz

Jeff,

Mercury is an ISO that processes many Microsoft RMS merchants. We have
a few unique capabilities:

1. We can process credit, debit and gift card transactions through RMS.
We have our own platform for gift card transactions which we do for
free. This can be great if you have multiple locations doing gift on
different POS systems.

2. Mercury only processes transactions from integrated point of sale
systems. We know how to set them up and support them and do so with the
least amount of hassle of any of the processors.

3. Mercury provides a web reporting tool that will show all
transactions in real-time (in a safe, truncated format).

Marc Katz
Mercury Payment Systems, 800-846-4472
 
J

Jeff

Marc,

Thanks, we already recommend your services here and to our clients
occasionally too!



Jeff,

Mercury is an ISO that processes many Microsoft RMS merchants. We have
a few unique capabilities:

1. We can process credit, debit and gift card transactions through RMS.
We have our own platform for gift card transactions which we do for
free. This can be great if you have multiple locations doing gift on
different POS systems.

2. Mercury only processes transactions from integrated point of sale
systems. We know how to set them up and support them and do so with the
least amount of hassle of any of the processors.

3. Mercury provides a web reporting tool that will show all
transactions in real-time (in a safe, truncated format).

Marc Katz
Mercury Payment Systems, 800-846-4472
 
M

mnylen

Jeff,

by the way, you keep mentioning the _free_ built-in program in RMS that
communicates with VItal only, but I cannot find it in the Administrator at
all. In the getting started guide there is only steps for Citibank, ICVerify,
PC-Charge, Atomic and Win TI/European EFT. Unless it is the so called
"Preferred Acquirerer Credit/Debit Card Processor" which I thought was the
Citibank solution. Where can I find the Vital set up? - Manny
 
R

Rob

Marc,

One thing that would be great is if you could add functionality to do tips
or at least be able to do a pre-auth. Obviously that is not possible through
RMS's EDC interface but it doesn't have to use there interface.
Here is how I envision it:
1. The cashier enter all the items.
2. The cashier then presses a custom pos button.
The pos button captures the current transaction information, performs a
pre-auth and prints a reciept.
3. Cashier hands the receipt to the customer to sign and add a tip(if so
desired).
4. The cashier then takes back the receipt and either adds a TIP item or
enters the tip in as a TenderType, finalizing the transaction in RMS.
Could what I have described actually work?

Rob
 
R

Rob

That is the Vital setup, which is basically for Citibank, BofA, WellsFargo
and Paymentech or any Merchant Service provider that can process on the
Vital network i.e. Mercury, Abanco...

Rob
 
M

mnylen

AHA! Finally understood. Thick Swede that I am. Now, will it be able to
process pin-base transaction on pure debit cards from a bank that has not a
VISA or MC logo? Please say yes.. :)
 
J

Jeff

Manny,

It depends on whether or not the debit cards are on the national debit card
networks, i.e.. Cirrus, Star, Plus, etc



AHA! Finally understood. Thick Swede that I am. Now, will it be able to
process pin-base transaction on pure debit cards from a bank that has not a
VISA or MC logo? Please say yes.. :)
 
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M

mkatz

Manny,

RMS has built in support for credit cards and pin based debit cards
(this started out as credit card only to Citi and evolved into credit
and debit to any acquirer that can accept Vital format). There is some
confusion because some of the processors don't support the mechanism
that RMS uses for pin based debit. So whoever you are choosing as a
processor, make sure they support credit and debit on RMS. If they
really don't know if they do or don't, you're going to suffer trying to
get RMS set up correctly.

To answer the question on tips in RMS: In order to change the feature
set of card processing in RMS, you have to bypass the built in
processing mechanism. We have in the past used a system that did this.
But this approach is intrusive. You need to install software, make your
own receipts and make many changes in RMS to get the software activated
at the right times. It works, but it is installation and setup
intensive and hard to support. The built in mechanism works well, is
supported by MS and is very easy to install. It would be much better if
MS added support for tips, additional pin pads, etc. Unfortunately,
they haven't yet.

Marc
 

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