Mercury Payment Systems EFT through DSIClientX (USA)
(Maitre'D 2003, from Service Pack 11 and later versions of 2003)
(Maitre'D 2005, from Service Pack 3 and later versions of Maitre'D)
Overview
Maitre'D is interfaced to Mercury Payment System's platform for Internet
Protocol credit card processing. This provides merchants with 2-3 second
processing of all credit cards and pin based debit. Mercury has redundant
servers that provide the processing without any additional hardware required.
Sales Support
Mercury will help you with installation related questions via email or
phone 800-846-4472. Mercury can also provide sales materials, video presentation
CD, etc.
In order to process credit / debit card transactions using Mercury
Payment Systems:
The EFT server needs to be connected to the Internet
The DSIClientX control needs to be installed
The EFT module needs to be configured to use the
DSIClientX control
The merchant's information needs to be entered
Connecting to the Internet
MPS recommends the use of a broadband router to connect the EFT machine
to the Internet. The router provided by the DSL / Cable provider does
not usually provide any blocking of incoming traffic which could be harmful
to the POS network. Contact MPS or Datacap for documentation on the setup
and installation of a MultiTech Routefinder 550VPN. This kind of device
will also provide dial backup in case of a failure of the primary DSL
or Cable connection and it can be used to maintain an always-on dial up
connection.
Required software
Note: Windows XP Pro (SP2) is required.
Type:
Host Based
From Posera:
EFT interface
From Datacap:
DSIClientX (Version 3.60 or above)
Datacap contact:
Stephanie Heim 215-997-8989
Installing the DSIClientX control
The DSIClientX control is not included in Maitre'D installation. This
application is an XML ActiveX client controlled software that sends encrypted
payment authorization requests via a local area network or Internet to
Datacap's dial and Internet payment servers.
The DSIClientX control must be installed on your Maitre'D Back-Office
PC and on every workstations that will process Debit Cards with a PIN
Pad. The control is available as a free 5mb self installing executable
from http://www.datacapepay.com/
It may be installed before or after Maitre'D and takes just a minute to
install (requires a reboot).
DO NOT TRY TO SKIP THIS STEP !!!!!
PIN Pad for Debit Card Transactions
With this software you have the choice between three Verifone PIN Pads.
Verifone 1000:
This PIN Pad comes with a small box called a Peripherical Device Controller.
This device is plugged to a serial com port on your workstation and also
plugged into the power supply outlet.
Verifone 2000:
This PIN Pad includes the Peripherical Device Controller and is directly
plugged to a serial com port on your workstation.
Verifone SC 5000:
This PIN Pad includes the Peripherical Device Controller and is directly
plugged to a serial com port on your workstation.
Note: The PIN Pad must be set by Datacap with the 2000 emulation.
Maitre'D Configuration
Electronic Funds Transfer / View / Option / Interface
The Electronic Fund Transfer (EFT) module must be installed on the Maitre'D
license. The following describes all required and optional fields used
for this setup.
Interface:
Datapac &endash; DSIClientX
Protocol:
Generic (USA and Canada)
Password:
Blank
IP Address:
X1.Mercury.com; x2.Mercury.com
Note: MPS will provide you with a list of servers &endash; there is
more than one for redundancy and failover.
Process Control:
Disabled
Electronic Funds Transfer / View / Option / Identification
Merchant Number:
Mercury Payment Systems will provide the merchant with a merchant number
of the format 88430002543=nickname
Use Pre-Authorization:
If you enable this option, the Back-Office will make a pre-authorization
on the credit card. (Do not check this option if you are a Fast-Food restaurant)
Pre-Authorization:
DO NOT ADD AN ESTIMATED TIP PERCENTAGE. Restaurant estimated-tip authorization
rules for restaurant credit card is to get authorization for the transaction
amount presented to the cardholder, with NO amount added for an estimated
tip. These rules prohibit merchants other than lodging and car rental
merchants from requesting an authorization for an estimated amount. For
restaurant merchants, a tip can be added to the transaction after authorization,
and will be settled and funded for the total amount of the purchase, including
the tip. Typically, restaurants are protected on charge-backs up to 120%
of the authorized amount, which should not be an issue unless the tip
on a charged-back transaction was over 20%. Not complying with this requirement
can result in fines and penalties, as well as those transactions being
subject to higher interchange costs related to non-qualifying transactions.
Note: Lodging and car rental merchants may do a pre-authorization for
an amount greater than the totals of the check.
Maximum Overflow:
Enter the amount of maximum overflow. If a customer enters an amount on
the credit card receipt that is greater than the check total, the maximum
overflow is the percentage of the check total that the customer's payment
cannot exceed. If the employee enters a credit card payment amount that
exceeds the maximum overflow percentage, the system does not accept the
payment, and you would have to re-authorize the transaction, including
the tip. Typically you would set this field to 20% because merchants are
usually protected on charge-backs up to 120% of the authorized amount.
Note: If this field is set to 0.00%, no verification is made about
maximum overflow and you can enter any amount greater than the check total.
Electronic Funds Transfer / View / Option / Operation
POS Refresh:
For optimal credit card performance in EFT IP processing the value should
be 5 seconds or more. This is the number of seconds the workstation will
wait before making the first inquiry to the Back-Office to find out if
a request was answered.
End of Day:
If you enable this option, the End of Day will be permitted even if
the credit cards batch is still open. Otherwise, you will need to close
the open batch before you run the End of Day process.
Note: Remaining information is as per your client's desired configuration
and local authorities.
Are you Ready?
Look at the server log from View / Server Log
The response at the bottom that reads "3 servers active".
You are ready to process!
If you see a message that "0 servers active" you know you have
a problem either with internet connectivity, the installation of the DSIClientX,
spelling of server names, DNS, etc.
How to do demonstrations with the Test Account (494901)
If you set the merchant number to 494901 your transactions will run on
the test account. On this account, your credit card will not be charged.
The transactions should show up in Mercury's web site (www.Mercurypay.com)
within 2 minutes (Login with userid=jerry, password=jerry). You can use
this to test before a real install, demonstrate during a sales call or
for diagnostic purposes.
Available options at the Back-Office PC
Electronic Funds Transfer / File
Close Batch:
This will close the current batch and allow to print it.
Electronic Funds Transfer / Transaction
Return Transaction:
Enter the proper information with the credit card number for a refund.
Note: Every report will be available at the following address: www.Mercurypay.com
then select merchant Login.
P.O.S. Control / Payment / Media type
Each credit card media type that is managed by the EFT interface must
be defined.
Description:
Type in a description for this type of credit card. The Back-Office prints
this description on reports and readings, and displays it on the workstations
when employees select a payment type.
Payment Type:
Charge.
Payment Surplus:
Tip Entry, as credit card companies do not allow cash advances.
Folio:
Enabled.
Included in Report:
If you enable this option, the transactions closed with this payment
type will be included in the Credit Card report. Otherwise, they will
only be included in the Summary of Payments report.
P.O.S. Control / Payment / Card Property
EFT Category:
Select the payment category code to use with EFT.
Electronic Fund Transfer:
If this payment medium uses Electronic Funds transfer, you must select
this option.
Hide card number:
This option can not be disabled with CISP compliant protocols. It always
masks the first digits of the credit card number and only shows the last
four digits on the EFT voucher.
Validation:
If you enable this option, the Back-Office verifies if the credit card
number entered agrees with certain digits that are always present in credit
card account numbers. If you disable this option, the Back-Office does
not validate the credit card number. You can override this option from
the workstation by entering a minus sign after the card number.
Expiration:
Enabled. The expiration date of a credit card has to be entered in the
format MM / YY.
Number of digits:
Some credit card companies have credit card numbers that may vary in
their total number of digits. For example, Visa cards may have either
13 or 16-digit numbers, whereas other cards have a set number of digits,
for example, Master Card cards that have 16 digits and American Express
cards that have 15. Two fields should be filled in order to validate the
credit card number's length. Type the credit card's appropriate number
of digits in the first field then type 0 in the second field to specify
that this is a fixed number of digits (zero is the default for the second
field). Conversely, you will need to enter a number of digits in each
field for cards, such as Visa, that have two possible card number lengths.
Type in 0 in both fields for credit card numbers with varying lengths,
which will remove the need to validate the number of digits.
Starting With:
Type in the first digits of the credit card. Some credit card numbers
always begin with the same digits. These digits can be used for validation.
For example: For Visa payment type's "Starting with" field,
type in 4. For Master Card, type in 5, and for American Express, type
in 34 or 37. If both fields are blank, the first digit is not selected.
EFT options must be assigned to the employee configurations.
P.O.S. Control / Employees / Configuration / Invoice / Tax-Service
Print Tip on EFT Receipt:
Enable this option to print the tip and total lines on the EFT credit
card voucher.
P.O.S. Control / Employees / Configuration / Invoice / Payment
EFT Reprint:
Enable this option to allow the employee to print duplicate EFT vouchers.
P.O.S. Control / Employees / Configuration / Functions / Special
EFT Refund:
Enable to allow these employees to perform credit cards refunds at the
workstation. (DSIClientX)
P.O.S. Control / Employees / Configuration / Payment
Payment:
Enable all EFT media type that this employee configuration is allowed
to select on the POS.
Debit Configuration
For Pin based debit you will need to install a PIN Pad at each register
that will have the capability. You will need to install the Ver2000x.ocx
at each register also, and configure the debit reader in Maitre'D.
Configuration of the PIN Pad in Maitre'D Back-Office
P.O.S. Control / Workstation / Device / PIN Pad
Note: You will need to follow these steps for each workstation.
Type:
Serial
Port:
Select the port where you have connected the Verifone PIN Pad.
Driver:
Select Verifone PIN Pad 1000 or 2000.
Note: For the SC 5000 model, select Verifone PIN Pad 2000.
Idle message:
You can display a 16 characters message on the PIN Pad before performing
a transaction
For example: Welcome!
The PIN Pads must be encrypted correctly &endash; contact Mercury for details
on obtaining new pads and re-encrypting existing pads.
Available options at the workstation
Regular Transaction:
Pre-authorizations will allow to add tips and then finalize the transactions.
Modify the Media Type:
In case of a mistake you use the last 4 digits of the check, and then touch
the close button. You will see your CC transaction in red, touch the transaction,
you will see an option to Void Current Credit Authorization Status or
Modify Check Amounts, and then you could modify your media to cash or
any other form of payment.
Refund:
If you want to do a refund a transaction you can do a table 0 void, and
then select the media type. Maitre'D gives you the option to do a refund,
and then it will print a receipt to give to the customer.
Installation Troubleshooting FAQs
Question: What steps should I go through if credit card processing
is not working?
When you are installing a new POS with Mercury's credit system, there are
several steps to go through if you have problems with the credit module.
1) Verify that the machine acting as a credit card server can ping
x1.Mercurypay.com and x2.Mercurypay.com. (get a DOS box and type ping
x1.Mercurypay.com)
If not, try to ping by number: 65.82.159.222. Try to ping www.yahoo.com.
If you can not ping either of these, the server machine is not correctly
connected to the internet.
If you can ping by number and not by name, you have a DNS problem. Make
sure you have a DNS server specified in the TCP/IP settings. You may need
to get help from your ISP if you do not know what DNS server address to
use.
2) If you can ping, you next need to determine whether the problem
lies in the POS or in the credit card communications through the DSIClientX
control.
Payment processing requires that the server be able to connect using TCP
sockets (winsock) through outgoing ports 1024-5000 to destination port
9000. If there is a firewall, policies may have to be implemented to allow
this traffic through.
There should be a test program installed automatically under the Start
/ Programs / Software from Datacap / DsliclientX.exe. If so, use this
utility program to try to run a credit card transaction. Once started,
use File / Setup to set the
Merchant number to 494901
IP address 65.82.159.222
Then try a manual test transaction for $1.00 to
Card Number 5499990123456781 Expr 0908 (do not use this number on a live
merchant account)
If this works you know the DSIClientX software is installed correctly.
The problem lies in the POS configuration. Check to make sure you have
properly configured the POS for server names, processing type, etc.
If the DSIClientX.exe test program fails or you can not find the DSIClientX
program, you can download a clean copy of the DSIClientX from www.datacapsystems.com
/ DSIClientX /
If the test program still does not succeed, you likely have a firewall
issue. If there is no firewall, it is still possible that your ISP is
filtering traffic.
3) If the DSIClientX utility works, the POS program should work.
Check to see that it is configured to use Mercury, check the server addresses,
merchant number, etc (make sure you have the text portion of the merchant
number also, with no leading or trailing blanks). You can try to run a
transaction to the test account 494901 instead of the merchant's account
(just in case there is a problem with the merchant's account).
4) Call your software developer for information on what might be wrong.
At least you'll have more information on what does and does not work to
make it easier to solve the problem.
Question: Visa / Master Card works but American Express (Discover,
Diners, etc) does not work
Some POS systems have to be told which card types the merchant is accepting.
They will filter out all other types.
Check with Mercury (800-846-4472 x3) that the merchant is signed up to
accept the card types. It is not uncommon for merchants to forget which
card types they have signed up for. We can add whatever card types they
need.
Question: I get a message "Invalid Merchant No" or "Merchant
Not Found"
Make sure you have typed the merchant number just as received from Mercury.
This usually includes some text and an equal sign like "34092834098=Potsies".
If you have entered it right and you still get the message, call Mercury
&endash; 800-846-4472.
Question: What does the message "Must Settle Now" mean?
It means you must settle your batch. You should close your batch daily.
It will save you money and keep you from receiving this annoying error
message while you're in the middle of the rush hour. Close your batch
once a day!
If you are a retailer and believe that your batches should be closing automatically,
call MPS and they will check how your account is set up.
To provide automated settlement for a merchant, Mercury needs to create
a merchant account that is configured for Time Initiated batch close.
If this is needed for a brand new merchant, the process
should be able to be handled during the initial setup and account audit
procedure. It must be explicitly requested by the merchant and/or dealer
providing the lead to Mercury or the account will default to Merchant
Initiated.
If this is a live changeover, moving an existing
Mercury merchant from Merchant Initiated batch close to Time Initiated
batch close, then the dealer should contact Mercury's technical support
department to coordinate a switch to a new account configured for Time
close. This is a simple process.
For USA accounts, the Time Initiated Credit is closed at 2:00 AM EST. This
time can not be changed and it is the only time available.
Question: How do I tell if it worked?
If the transaction works, the POS will return an approval, there will be
a six digit authorization number and a sequential reference number. You
can view the transaction on Mercury's web site using the User ID / Password
supplied to the Merchant at sign up.