Electronic Merchant Settings

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Customer > Electronic Interfaces > Credit Card > Electronic Merchant Settings

Use this routine to store all data specific to the merchants you use for electronic transaction processing. Merchant data for many of these fields is supplied primarily by the merchant’s bank and the clearinghouse being used for transaction processing. If you set up more than one merchant ID on an account, the system uses the Location Settings (Warehouse Location) routine to specify the merchant ID by location.

This file is used for credit cards, e-checks, and third-party financing. Not all of the fields are required for each function. Please contact your STORIS representative for further detail on setting up this file.

General

Specify the payment class. You have the following options:

Credit Card
Finance Provider
Check Authorization

Use this field to indicate whether this authorization merchant is used for electronic authorization and processing of Credit Card, Finance Provider, or Check Authorization transactions.

If you select the Credit Card option, the Debit Card OK field activates. If you select the Check Authorization option, the Electronic Conversion of Funds field activates. Note that to process electronic guarantee (EG) and electronic conversion (EC) transactions using this merchant, you must select Check Authorization.

Select a settlement type for the selected merchant. You have the following options:

Terminal-Based - card-swipe data is processed by a third-party authorization service, for example Paymentech or TSYS (Visanet).
Host-Based - card-swipe data is processed by an in-house intermediary, for example PPI.

The system settles all host-based merchants automatically during the End-of-Day process. However, you have the option to settle terminal-based merchants manually via the Credit Card Settlement process, or automatically via the End-of Day process if you check the box at the Automatic Settlement field on the Regional tab.

This field is available only if you selected the Check Authorization option at the Payment Class field for this merchant. If you check this box, you can use this merchant to process electronic conversion (EC) transactions. When the check payment is processed electronically, the system immediately debits the customer's checking account for the amount of the check payment. If you use this option, you scan the check as with electronic guarantee transactions, but you do not keep the check for deposit. The funds are immediately debited to the customer's checking account and the check is returned to the customer.

If you do not check this box and the Check Authorization option at Payment Class is checked, you can use this merchant only for electronic guarantee (EG) transactions. That is, you receive authorization of payment, but no immediate withdrawal of funds occurs.

Regional

To process direct credit settlements for the selected merchant ID automatically as part of the End-of-Day process, check the box. If you leave the box blank, you must process direct credit settlements manually via the Credit Card Settlement process.

The system settles all host-based merchants automatically during the End-of-Day process. However, for terminal-based merchants, this field provides the option to settle manually via the Credit Card Settlement process or automatically via the End-of Day process.

This option is available only with STORIS Direct Credit. It is not available on systems using off-line third-party verification software.

Electronic Merchant Settings

(Electronic Process Merchants)

General

Regional