How you enter and accept credit cards within Eclipse can affect charges that you incur. Credit card transaction fees can get complicated and many factors contribute to your total cost of accepting payment using credit cards
The Worldpay Payment Processing solution is designed to offer you flexibility in how you want to implement credit card process at your company. As you are implementing processes for accepting credit card payments, consider how you want to accept and store credit cards to help alleviate any unneeded fees.
Each transaction “qualifies” for an interchange rate based on such things as the card brand, card type, card presence, information sent -- your merchant service provider might detail this to you by transaction on your statements or might bucket the transactions and simplify what you see on your statements. Regardless, the timing and process of charging the card through Eclipse can affect the qualification.
As a general rule, card-present, “swipe” transactions qualify for a lower interchange fee than card not-present transactions. When processing through Worldpay Payment Processing, the swipe must be directly captured in the Worldpay hosted page while charging the card. In this process, Eclipse has a transaction ID (a token for the specific charge) for handling voids and credits; but Eclipse cannot charge the swiped card for backorder fulfillment.
Payment Account Secure Storage (PASS) transactions, are credit card transactions that you make using credit card information that you have on file in Eclipse. Worldpay charges a fee, which you negotiate with them, and is based on the volume of payment accounts stored in their data centers each month.
For each card number stored in a customer or contact record in Eclipse, a payment account is created with Worldpay. Additionally, cards captured on sales orders (not saved to the customer record) in the CC Info screen generates a payment account with Worldpay. Saving credit card numbers gives you the flexibility to charge the card at any time during the order cycle with the customer. However, saving credit card numbers with Worldpay does not necessarily qualify you for the best interchange rate.
Note: Orders placed through your web site that are paid for using a credit card send a Payment Account ID to Eclipse for credit card process.
Consider the following examples. A customer walks up to your counter and orders two items: one is available for the customer to take with them, one is backordered. The customer presents their credit card for payment. You can do any of the following and be charged different rates:
Scenario 1: Best rates, but two swipes - Charge the card for the one item that is available using a swipe transaction and also swipe the card again in the CC Info screen in order entry to create a payment account for charging the card when the backordered item ships.
Scenario 2: One swipe, but not optimal rates - Capture the card in the CC Info screen in order entry to establish a payment account. Select the payment account to charge the card for the available item. This qualifies for a card-not-present interchange rate. However, the payment account is available for charging when the backordered item ships
Scenario 3: Charge the card for both items using a swipe transaction - This may or may not be permissible based on your agreement with your merchant service provider and how you document your card-charging policies to your customer.
To qualify for the best per transaction process rate, swipe or manually enter a customer's credit card for immediate payment for an order, without saving the card information.
Use the PASS Account Utility to help manage the payment accounts your operations generate with Worldpay Payment Processing. The utility provides you the tools to minimize the volume of payment accounts to those required for your business.