As you move from the Credit Card Authorization companion product to the Worldpay Payment Processing solution, consider the following changes to how your company collects and processes credit card payments.
To provide increased security, saved credit card information for customers and orders, including web orders, is now stored on the Worldpay Payment Processing secure server in Payment Account Secure Storage (PASS) accounts, and is no longer stored in Eclipse. When you convert to the Worldpay Payment Processing solution, your stored card information is masked in places in Eclipse such as order change logs, and PASS accounts are created for existing information where applicable.
In addition, when you enter credit card information or swipe a card
to gather and save information, the system opens a web browser window
with a Worldpay
page where you manually enter or swipe the credit card instead of entering
it in an Eclipse
Important: Your customers entering orders through your web site also see the Worldpay page to enter their card information and need Javascript enabled in their web browsers.
Worldpay Payment Processing requires that you upgrade to specific swipe devices that encrypt credit card information prior to sending it to the Worldpay Payment Processing server. You must purchase your swipe devices through Epicor, as the devices are specifically configured with an encryption key that works with your implementation of the Credit Card Processing with Worldpay solution. The devices connect directly to your computer using a standard or mini USB connection.
To route credit card information to a credit card company, such as Visa, you must set up each branch that takes credit card orders and processes them through Worldpay Payment Processing. For more information, see Configuring the Vantiv Credit Card Processor at Each Branch.
Because you enter credit card information and send it to Worldpay Payment Processing during the payment collection process, you no longer need to run the Credit Card End of Day Settlement Report to send transaction information through your company's processor to the credit card companies. Vantiv handles the settlement process of any authorized transactions for you.
If you select Worldpay as your service provider, you have online access to view all your transactions through an Worldpay web site. If you select Worldpay as a gateway service and work with another service provider, your reporting comes through your chosen service processor.
You can still use the Credit Card Summary Report to list all the approved credit card transactions and compare it to your bank statements or service provider reports for reconciliation purposes.
Throughout the system, the credit card terminology has been updated to more accurately reflect the action you are taking with the card.
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Was... |
Is now... |
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Auth or Authorize |
Sale In the Credit Card Processing with Worldpay solution, when you are accepting a payment for a credit card transaction, typically when a customer is present with their card or using a customer's saved card information, you now complete a credit card sale. When you select the Sale option in sales order entry the payment information is sent for processing. When dealing with retail customers, you typically process the credit card sale at the time you enter the order. A sale transaction is the most common type of credit card transaction. |
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Pre-auth or Pre-Authorize |
Authorize In the Credit Card Processing with Worldpay solution,when you are collecting credit card information to charge later, such as waiting to charge the customer for an order until you ship it from your warehouse, you can authorize a credit card sale to ensure that the customer has enough credit available, but without actually charging the customer's account. These transactions are now calledauthorizations.The second event to actually charge the customer's card is now called anauthorization completion. |
In addition, Worldpay Payment Processing uses the terms that might be new to you:
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Term |
Definition |
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Much like a merchant number, Worldpay assigns you unique acceptor IDs to identify you as an Worldpay customer. Depending on your business relationship with Worldpay, you might have a different acceptor ID for each branch, or you might have a single acceptor ID that encompasses more than one branch. When payment accounts are created as you save credit card information, they are assigned to the acceptor ID assigned for the branch. |
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Transaction ID |
When you create an authorization or a sale, Worldpay assigns an ID to the payment transaction. When you complete voids or returns, or are investigating disputes, Worldpay uses this transaction ID to identify the transaction in their system. |
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Payment Account ID |
Credit Card numbers stored on the Worldpay server are termed Payment Accounts and have an ID (also known as a token) associated with them that is stored in Eclipse. The Payment Account ID is a long string of random characters and likely has little meaning to those outside of Worldpay. When you select a stored card based on the card's last 4 digits, card brand and expiration date, Eclipse uses the Payment Account ID in its communication with Vantiv to indicate which card to charge or credit. Note: Orders placed through your web site that are paid for using a credit card send a PASS ID to Eclipse for credit card process. |
If your business does not initially authorize cards to hold funds and
confirm available credit before charging the card at a later date, you
now have the ability to disable the function from being accidentally selected
by your users using the
See Also: