Payments - EMV Review EMV Functionality Inside OpenOne
A Brief History EMV stands for Europay, MasterCard and Visa. It is a global standard for cards equipped with computer chips and the technology used to authenticate chip-card transactions. These new and improved cards are being deployed to improve payment security and will make it more difficult for thieves to successfully create counterfeit cards. For merchants and financial institutions, the switch to EMV means adding new instore technology, internal processing systems and complying with new liability rules. For consumers, it means activating new cards and learning new payment processes.
What The CC Vendor Hosted Payment Gateway Solution Means to Your Business ATS is introducing a solution where payment interfaces are hosted by the credit card vendor for single payment transactions online (OpenAccess) and within the CIS application. This new methodology will help reduce PCI Scope for your organization. The hosted approach allows for PCI Scope reduction with the use of Secure Pin Devices and PCI Compliant Payment interfaces supplied by the vendor for both internal and Web Applications. Securing the OpenAccess interface is also important so the use of the most secure cryptographic protocols is very important. This will require Utility Customers to be using up to date web browsers to access the OpenAccess Interface. ATS highly recommends Customers accessing the OpenAccess site using Internet Explorer, have version 9 or above. Chrome, FireFox and Safari browsers generally update automatically and therefore are not cause for concern for the OpenAccess site.
PayPal Individual Payment Form Device Requirement Existing devices may still be used, however, if purchasing new card readers, a PayPal Ready device is essential. These devices encrypt the data. A separate cashiering application is NOT required. When a user selects the Charge/Credit Card Payment Method on the Payment form, no new tab will open. The same data entry canvas that exists today will open. If the Customer is present, they will swipe their card using the available device. If the Customer is not present and speaking to a representative over the phone, the Credit Card information must be keyed into the form. Upon clicking the OK button, the user is returned to the Payment form to click Save & Next or Save & Close and post the Payment to the Account.
PayPal- OpenAccess Payments Once a Customer has navigated to the Payment page on OpenAccess and entered the Amount(s) they would like to pay on their Account(s), they will click the Pay By Credit Card option. Depending on how the Customers internet browser is configured, this action will either open the PayPal Payment page within the same internet tab or a new/separate internet tab. Clients have many options in regard to the look and feel of this page, via PayPal Manager.
PayPal- OpenAccess Payments cont. The Customer will enter their Credit Card information and click the Pay Now button The Customer may then navigate to other areas of OpenAccess as desired or log off the site.
Heartland Taking Payments Using the Hosted Payment Gateway Solution Device Requirement New devices are required. Contact Diana Carroll (diana.carroll@e-hps.com) at Heartland to order/purchase. Approx. cost is $200 per device. For each representative taking Credit Card Payments, the cashiering application, Bolletta Cashier must be installed on the PC (see Bolletta Cashier User Guide for installation instructions and software activation). The user will be required to launch the application each day prior to taking Payments. To take EMV Payments the install Device Service app will need to be installed and the Pay Method Selection should be set to Use Device Service. The Device Service needs to be started before the cashier application.
Heartland- Individual Payment Form Users will log into the CIS application and enter the payment via the Account Browser or the Individual Payment form. The payment will be entered Payments > Amount > Payment Method = Charge. Once the user clicks Save & Next or Save & Close the Heartland Cashier App will pop up.
Heartland- Individual Payment Form Cont. The Bolletta Cashier secure payment form will automatically populate with the Customer s account information. Once the user verifies that the information is correct they will click the Swipe a Card button.
Heartland- Individual Payment Form Cont. Once the payment has been processed successfully the user will notice a Payment Successful message inside Bolletta Cashier, they will then be automatically taken back into the CIS Payment form where they will see a Transaction Completed Successfully message followed by an Authorization number. The Electric Register will reflect the payment.
Heartland- Multiple Payments Users will log into the CIS application and enter the payment via the Account Browser or the Individual Payment form. The Multiple pay method payment will be entered Payments>Amount>Payment Method = Multiple > OK >Save & Next OR Save & Close The user will automatically be taken to the Heartland Cashier App where they will click on the Make Card Payment button.
Heartland- Multiple Payments cont. The user will click on the Swipe a Card button Once the first payment of the Multiple payment has been processed the user will click on the OK button to Process the Next Credit Card.
Heartland- Multiple Payments cont. The user will then verify the information on the Bolletta Cashier screen is accurate and click OK on the confirmation message to process the next payment.
Heartland- Multiple Payments Cont. Once all of the Multiple payments have been processed; the user will automatically be taken back to the ATS Payment form where they will see a Transaction Completed Successfully message that will have Authorization numbers for all transactions that were part of the Multiple payment. The Electric Register will reflect all payments made via the Multiple Payments form.
Heartland- Draft Setup- Inside CIS The user will log into the Customer s account via the Account Browser and open the Drafts form. The user will choose the Token Credit Card Draft Pay Type. The User will be redirected to the Heartland Cashier App where they will click on the Get Credit Token button.
Heartland- Draft Setup- Inside CIS Cont. Once the user is inside the Heartland Cashier App where they will need to enter their Card Number and Expiration Date. Click Submit The user will receive a message verifying that the token has been retrieved successfully.
Heartland- Draft Setup- Inside CIS Cont. The token field will automatically populate in the Drafts Setup form inside the CIS application. The user will click OK to save the draft information.
Heartland- Draft Setup- OpenAccess Customers are required to have an OpenAccess account. Once logged into OpenAccess the Customer will click on Draft Payment Options and then click on the Setup New Draft tab.
Heartland- Draft Setup- OpenAccess Cont. The Customer will choose Credit Card Draft, check the Account(s) that should be paid by that credit card, click the Authorization checkbox and then click Submit.
Heartland- Draft Setup- OpenAccess Cont. The Customer will be directed to the Heartland site where they will need to choose the Payment Source. The Credit Card billing information form will autofill click Next
Heartland- Draft Setup- OpenAccess Cont. The Customer will fill out their credit card information, check the terms and conditions checkbox and click Next After verifying that the billing and credit card information is correct they will click Create Payment Source.
Heartland Payments- OpenAccess Customers will log into OpenAccess and click Pay Online Now and then click Credit Card.
Heartland Payments- OpenAccess cont. The Customer will then choose either the Make Payment Today or Make Payment On radio button. The Payment Amount will default to the Total Account Balance, however the Customer may change the Payment Amount if they wish and then click Submit.
Heartland Payments- OpenAccess cont. The Customer will be automatically routed to the Heartland website where they will verify the account and payment amount information and click Pay By Credit. The Customer will verify that their contact information is correct and click Next.
Heartland Payments- OpenAccess cont. The Customer will enter their credit card information and click Next. Once the Credit Card billing information is verified the Customer will click Submit.
Heartland Payments- OpenAccess cont. Once the payment has been approved the Customer will receive payment verification. The Electric Register inside CIS will reflect the payment.
Setup Requirements To Be Completed by Heartland The look and Feel including Logo must be configured by Heartland Heartland must set the URLs for Data Post, Return and Cancel pages These should be set to base URL of Open Access plus the page name value in the atscbsconfig for CC_POSTBACK_PAGE, CC_CANCEL_PAGE, CC_RETURN_PAGE Ex: If login URL is https://billing.joemc.com/joemc/login.jsp then the Data Post page would be https://billing.joemc.com/joemc/ccreceiptpost.jsp Heartland will configure the Data Post to include billdata, card exp date and Token. Heartland will set "Data Post Required" so that the Data post page must respond with success else payment is rolled back Heartland should change the text on the Token page from Token to Payment Source
BridgePay Taking Payments Using the Hosted Payment Gateway Solution Device Requirement New devices are required. MeritCard will provide new devices free of charge upon request. PayGuardian requires computers to have Java 1.8 installed. Each representative taking Credit Card Payments will need the cashiering application; called PayGuardian the software must be installed on their PC. If the Member is present and their Credit Card does NOT have a chip, they will swipe their card using the available device. If the Credit Card has a chip, the Member may swipe, or insert their card into the device for the duration of the transaction. Contact BridgePay to enable Reference Transactions. Reference Transactions are necessary for future payments, drafts and stored credit card number payments to work.
BridgePay- Individual Payment Form Users will log into the CIS application and enter the payment via the Account Browser or the Individual Payment form. The payment will be entered Payments > Amount > Payment Method = Charge. Once the user clicks Save & Next or Save & Close they will automatically be taken to the PayGuardian Cashier App.
BridgePay- Individual Payment Form Once the credit card has been swiped the PayGuardian secure payment form will auto fill with the Credit Card information. The user should click the Process Securely button. The user also has the option to click Clear to clear the form or Cancel to cancel the payment. The user will verify the information on the Payment Response screen for accuracy and click OK to process the payment.
BridgePay- Individual Payment Form cont. Once the payment has been processed successfully the user will be automatically taken back into the CIS Payment form where they will see a Transaction Completed Successfully message that will have an Authorization number. The Electric Register will reflect the payment.
BridgePay- Multiple Payments Users will log into the CIS application and enter the payment via the Account Browser or the Individual Payment form. The Multiple pay method payment will be entered Payments>Amount>Payment Method = Multiple > OK >Save & Next OR Save & Close The user will automatically be taken to the PayGuardian Cashier App where they will be prompted to swipe the Member s credit card to complete the first payment. Once the credit card has been swiped the PayGuardian secure payment form will auto fill with the Credit Card information. Once the user verifies that the information is correct they will click the Process Securely button. The user may also click Clear to clear the form or Cancel to cancel the payment.
BridgePay- Multiple Payments cont Once the first payment of the Multiple payment has been processed the user will click on the OK button to process the next payment. Once all Multiple payments have been processed; the user will automatically be taken back to the ATS Payment form where they will see a Transaction Completed Successfully message that will have Authorization numbers for all transactions that were part of the Multiple payment. The Electric Register will reflect all payments made via the multiple payments form.
BridgePay- Draft Setup- Inside CIS The user will log into the Customer s account via the Account Browser and open the Drafts form. The user will choose the Token Credit Card Draft Pay Type. The User will be redirected to the PayGuardian Cashier App where they will enter the Credit Card number and the Expiration Date. They will then be given a message that the Account Information has been added successfully.
BridgePay- Draft Setup- Inside CIS Cont. Once the user clicks submit in PayGuardian, the token field will automatically populate in the Drafts Setup form inside the CIS application. The user will click OK to save the draft information.
BridgePay- Draft Setup- OpenAccess Customers are required to have an OpenAccess account. Once logged into OpenAccess the Customer will click on Draft Payment Options and then click on the Setup New Draft tab.
BridgePay- Draft Setup- OpenAccess Cont. The Customer will choose Credit Card Draft, check the Account(s) that should be paid by that credit card, click the Authorization checkbox and then click Submit.
BridgePay- Draft Setup- OpenAccess Cont. The Customer will be directed to the PayGuardian site where they will need to choose the Payment Method, add their Credit Card number, Expiration Date and then click Submit. Once the Payment Information has been entered the user will be given a message that the Account Information has been added successfully.
BridgePay Payments- OpenAccess Customers will log into OpenAccess and click Pay Online Now and then click Credit Card.
BridgePay Payments- OpenAccess Cont. The Customer will then choose either the Make Payment Today or Make Payment On radio button. The Payment Amount will default to the Total Account Balance; however, the Customer may change the Payment Amount if they wish and then click Submit.
BridgePay Payments- OpenAccess Cont. Click OK on to verify that the payment information is correct. The Customer will be automatically routed to the PayGuardian site where they will fill out the Payment Information section of the page.
BridgePay Payments- OpenAccess Cont. Once the payment has been approved the Customer will receive payment verification. The Register inside CIS will reflect the payment.
Stored Payment Functionality When entering a payment in OpenAccess the Customer may see the option to store their payment information. If the Customer clicks on the checkbox their payment information will be stored.
Stored Payment Functionality If the Customer has saved Credit Card information they will see two options. To Pay With Stored Payment Information click the Submit This Card button. To Pay With New Payment Method click the Submit New Card button.