Authorize.net is a payment gateway that you obtain from your payment processor. Below we will discuss the differences between a payment gateway and a payment processor and what they are used for.
REFUNDS WITH AUTHORIZE.NET
Expanded Credit Capabilities (ECC) allows you to issue refunds on transactions made within Cinema Party Software. ECC is a free Auth.net feature that requires approval. Because of the potential security and liability concerns with this feature, we require the Merchant Account Owner or Merchant Account Administrator to fill out and send in the ECC application via eTicket or by fax to (650) 286-6589. The ECC application is located at http://www.authorize.net/files/ecc.pdf.
Once this form has been approved by Auth.net, a Cinema Party Software representative will ensure the refund capability is enabled in the software on the e-commerce account only.
Payment Processor - A payment processor is a company (often a third party) appointed by a merchant to handle credit card transactions for merchant banks. They are usually broken down into two types: front-end and back-end
Payment Gateway - A payment gateway is an e-commerce application service provider service that authorizes payments for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar. It is the equivalent of a physical point of sale terminal located in most retail outlets.
- Cinema Party Software sends the payment information to the Payment Gateway
- The Payment Gateway will authorize the transaction and send us the response
- Cinema Party Software will then continue with the order
- At the end of the day the Payment Gateway will batch the information into your Payment Processor
Q: Why are my transactions are coming back declined? Most of my customer's cards come through but when they try to take the deposit online it comes back denied.
A: Often this is due to the AVS Settings. The AVS settings are Address Verification Settings. They say how much of the address you want to verify. By default they are high. Zip Code, Street, and State must match. Doesn't sound like much but some people forget to put their billing address in and use their personal or home address. You have two options:
A. Add a text set that is large in the OBM that informs the users to check the address (we do this but 2 is always better than 1).
B. Turn down the AVS settings by going to http://authorize.net and logging in. Go to the Account Tab and there is an AVS section.
Always offer to run the card over the phone for the customer if they call! You can take over the order on the management side from the Order Search screen.
We have moved to the AIM (Advanced Integration Method). This supports an additional account type. This account type is a Brick and Mortar account that allows us to process track data off of the magnetic strip of the credit card. Not only is this more secure but will also save you time, as it is not required for you to enter in the CVV or expiration date. If you heavily use the POS we HIGHLY recommend that you obtain this account type after you have been upgraded to the newest version of the software.
This means that you will be utilizing 2 accounts now in the software- the e-commerce account for online booking (this is required as this is a card not present transaction) and a Brick and Mortar account for all card present or POS transactions. Both of these accounts must be through Authorize.net, your payment processor can help you set this up.