PAAY fraud protection- 3DS

The main thing that 3DS does is it prevents fraud and when the 3DS is authenticated, the liability is shifted from the merchant to the card issuer. In cases where the 3DS result is not passed at all, you can choose to automatically block those transactions if you’d like, by adding the 3DS fraud control and setting it appropriately.

You can only void a transaction as long as the batch has not closed. Once it closed, you can only refund the transaction

To void or refund a transaction, navigate to the REPORTS tab on the left panel and locate the transaction you wish to void/refund. Then, click on the EYEBALL icon next to the transaction details and choose the RED VOID ION to void the transaction. 

For a transaction that has already settled, click on the yellow refund icon.

NOTE: you can do a partial refund. Input the amount without the surcharge. The platform will figure 3%. And click refund.

First Navigate to the Reports tab. Here you can filter by date or status. You can also do a keyword search for the customer’s name.
If you are looking under the “Invoices” tab, “authorized means the transaction has been approved. Once it batches, it will reflect as “PAID”

Yes, Text2Pay Platform allows employees to send their customers secure payment links so the customer can enter their own payment information. Just like regular desktop terminals, the customer can choose to pay with a credit card and pay the surcharge or pay with a debit card and get the cash price. Another way is Your Virtual Terminal. This is where authorized users (typically only your Management Team) can run a credit card transaction and OVERRIDE the surcharge. This would be used only for B2B transactions like Extended Warranties, and possibly some Wholesale Parts Customers. This should RARELY be used.

Both of these options are through Transtar.

To send a secure payment link (Text2Pay) employees will navigate to the Invoices tab and click new Invoice, They will enter the customer name and invoice number, they will scroll down and click on Add lines and add description, The Click “Create a new customer” If you want their information stored at the bottom of the screen, and Send. A window will then pop up that will allow you to enter an email address and/or phone number. You can customize the subject line and add content, and attach files to the invoice. Click send invoice at the bottom of the pop-up window.

MANUALLY SETTLE BATCH: 

1. Choose STAR button for FAVORITES 
2. Click on “Settle Daily Batch” 
3. Enter Manager Password 

To Run Pre-Close Report: 

1. STAR button for FAVORITES 
2. Click on “Report” 
3. Enter Manager Password 
4. Choose “Daily Report”

Card present

1. Choose CREDIT or DEBIT and then VOID 
2. Enter amount to void (include 3%) 
3. Confirm amount to void 
4. Enter Manager Password 
5. Debit card must be entered to void PIN Debit 
6. Choose to print or not to print customer copy 

Card not present

1. Choose STAR button for FAVORITES
2. Choose void transaction
3. Enrer manager password
4. Choose how to find transaction
5. Easiest is by transaction number 
6. Confirm void amount, enter password again

1. Choose Credit and then Sale 
2. Enter your Employee Number 
3. Enter your Invoice Number 
4. Enter the Amount of your Invoice & OK 
5. If prompted, Confirm Amount with Fee added (if you choose to cancel the 3%, enter PW) 
6. Insert CREDIT card (or tap contactless) (or manual entry) 
   1. Note if debit: customer must have their PIN
7. Have Customer sign electronically 
8. Choose to Go-Green/print customer receipt or not 

PIN debit transactions result in an immediate hold on a customer’s funds in their bank account. There is no way to “VOID” that hold – it will be released when their individual bank releases holds/authorizations. If you need to reverse a PIN Debit transaction you simply need to run a “CREDIT” “RETURN” for the full amount, and their bank will release the hold under their regular hold/authorization process.

ALWAYS refund the full amount (including the 3% surcharge)- simply process “CREDIT” “RETURN” for any refunds you want to process.
Card present: CHoose CREDIT and the VOID, enter amount (include 3%), confirm amount to void, Enter Manager Password, Debit card must be entered to void PIN Debit, choose to print receipt
Card Not Present: Choose STAR button for FAVORITES, choose void transaction, enter Manager Password, Choose how to find transaction –easiest is by Transaction #, confirm void amount, enter password again

Credit: Choose credit, then Sale, Enter Employee Number and invoice Number, Enter Amount of invoice, insert CREDIT card, choose to apply 3% surcharge: if YES-adds 3%, if NO-cancels 3% (only for a period) or cancels the transaction
Debit: MUST HAVE PIN: Choose Debit, the Sale, Enter Employee Number and invoice Number, Enter Amount of invoice, Inset DEBIT card and enter pin, choose NO to print customer copy
Manually entered credit sale: Choose credit, then Sale, Enter Employee Number and invoice Number, Enter Amount of invoice, Hit the green OK button to enter Manual Mode, Manually enter card # / expiration date, Answer No to Card present, Enter CVV / Zip code, choose to apply 3% surcharge: if YES-adds 3%, if NO-cancels 3% (only for a period) or cancels the transaction, choose to print receipt or not