Technical Note: 20060322020

Mercury Payment Systems EFT through DSIClientX (Canada)

(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)
Mercury Payment Systems (MPS) acts as a payment gateway in Canada to process credit and debit transactions over internet protocol in partnership with Global Payment Systems of Canada, Ltd. (GPS)
For the use of the Gateway, MPS charges a one time setup fee of 1195,00 $ CDN per merchant location. This fee can be paid by credit card or cheque and must be received before processing can begin.

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.

The account setup procedure is:

1. Merchant fills out the GPS Merchant Service Application form (MPS Version) and faxes to GPS. This form can be found on the web at www.Mercurypay.com/Canada.htm
2. If PIN Pads are needed they must be purchased from GPS.
Call Cindy Marcoux at GPS (416) 445-7151.
3. Once GPS has set up the merchants account, they will send the form with the necessary merchant numbers, etc. to the Merchant and MPS. Allow 3 weeks for this process.
4. GPS will forward PIN Pad serial numbers and terminal ID's to MPS so they can add to their gateway.
5. MPS will call the dealer to arrange payment and discuss installation details.
6. Once MPS has received payment, they will add the merchant to their gateway so that the merchant will be ready to process.
7. MPS will mail the merchant a welcome letter containing their web site User ID and password for access to their transaction records.
8. Dealer installs POS equipment and software so that the merchant is ready to process.

Customer Service and Support:

•For information on deposits, and transactions, and for change of address, merchant numbers, merchant bank or additional card types, etc. contact GPS.
•For information on fees, rates and chargebacks call the merchant bank (Visa, M / C, American Express, etc.)

Required software

Note: Windows XP Pro (SP2) is required.

From Posera:

From Datacap:

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.

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 !!!!!

Installing Maitre'D with MPS Credit Card Processing

Maitre'D is interfaced to MPS's platform for Internet Protocol credit card processing. This provides merchants with 2-3 second processing of all credit cards and pin based debit. MPS has redundant servers that provide the processing without any additional hardware required.

In order to process credit / debit card transactions using MPS:

  1. The EFT server needs to be connected to the Internet
  2. The DSIClientX control needs to be installed
  3. The EFT module needs to be configured to use the DSIClientX control
  4. 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.

PIN Pad for Debit Card Transactions:

With this software you have the choice to use Verifone or Ingenico PIN Pads.

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 – 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 – 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 iIn 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.

Available options at the Back-Office

PC Close batch:

In the Maitre'D Back-Office program go to EFT / File / Close Batch. This will close the current batch and allow to print it.

Report:

Every report will be available at the following address: www.Mercurypay.com then select merchant Login.

Refund:

In the Maitre'D Back-Office program go to EFT / Transaction / Return Transaction and enter the proper information with the credit card number.

P.O.S. Control / Workstation / Options / Workstation

(For every workstation)

EFT:

Select the port where you have connected the receipt printer, or select "Receipt"

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 MPS's web site (www.Mercurypay.com) within 2 minutes (Login with User ID=jerry, password=jerry). You can use this to test before a real install, demonstrate during a sales call or for diagnostic purposes.

MPS's 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 MPS'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 / Dsliclient.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 Expiration 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've 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 http://www.datacapepay.com/.
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 MPS, 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 MPS (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've signed up for. MPS 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 MPS. This usually includes some text and an equal sign like "34092834098=Potsies".
If you've entered it right and you still get the message, call MPS – 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. For Canadian accounts, the Time Initiated Debit is closed at 1:00 AM EST and the Time Initiated Credit is closed at 3:00 AM EST. These times can not be changed and they are the only times 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 MPS's web site using the User ID / Password supplied to the Merchant at sign up.

Installing Maitre'D with MPS Debit Card Processing

Overview

Since version 2003 Service Pack 5, Maitre'D is also interfaced to MPS's platform for Internet Protocol debit card processing in Canada. This provides merchants with 2-3 second processing of pin based debit. MPS has redundant servers that provide the processing without any additional hardware required.

In order to process credit / debit card transactions using MPS:

  1. Every workstation with a PIN Pad needs to be connected to the Internet and have the latest version of DSIClientX control
  2. The PIN Pad must be setup in the Device branch of every workstation
  3. The Media type must be setup
  4. Access to the new Media Type must be granted in the Employees' Configuration

Connecting to the Internet

Every workstation where a PIN Pad will be connected must first have a valid connection to the the Internet, and have Internet Explorer 6.0 or higher installed."

Installing the DSIClientX control on each workstation

The DSIClientX control is not included in Maitre'D installation and must be installed on every workstation where a PIN Pad will be connected. The proper control driver is Version 3.0.3.0 or higher, and is available from MPS or Datacap. It may be installed before or after the Maitre'D workstation application, and takes just a minute to install, but requires to reboot the workstation after it was installed.

P.O.S. Control / Workstation / Options / Devices

(For every workstation number where you want to install a PIN Pad)
Click on Add, select the PIN Pad option and click on setup:

Type:

Serial  

Port:

Select the port where you have connected the device

Driver:

Canadian Debit

ID:

70 for the Verifone SC 5000 PIN Pad,
or
91 for the Ingenico 3070 PIN Pad,
followed by the last 6 digits of the Serial Number on the back of the PIN Pad.

Identity:

Mercury1 for the Verifone SC 5000 PIN Pad,
or
Mercury2 for the Ingenico 3070 PIN Pad.
Note: In Maitre'D 2003, to specify the PIN Pad type for DSIClientX transactions, under the C:\Posera\MaitreD\Data directory, in the Pos??.ini file (you will need to do it for every POS Ex.: Pos01.ini, Pos02.ini), add the following configuration key and value:

PadType=Mercury1

for Verifone SC 5000 PIN Pad, or

PadType=Mercury2

for Ingenico 3070 PIN Pad, where the "M" has to be uppercase.
After modifying the INI file, redo workstation data.

Prompt for Tip:

Enable this option so that the PIN Pad device will quote the customer for a Tip entry.

P.O.S. Control / Payments / Media Types

Select an empty Media Type between 2 and 24:

Description:

Debit Card

Payment Type:

Canadian Debit

Payment surplus:

Select how an extra amount is handled from the drop-down list. Make sure to select "Tip Entry" if you have enabled the Prompt for Tip, in the PIN Pad devices.
Note: There is nothing to set on the Card Property.

P.O.S. Control / Employees / Configuration / Payment

(For every employee configuration that is allowed to accept Debit Cards)

Debit Card:

Enable this option.

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.

Test if it worked

Ring up a transaction for a coffee, and touch the Close button. When you reach the Payment screen, touch the Debit Card button, and enter the full amount, or simply touch Enter, and use the PIN Pad for the rest of the transaction with a valid debit card.
Note: The very first transaction on the PIN Pad of each workstation will not go through and you will be asked to retry, after the driver settings have been automatically adjusted.
After you get that retry message, do try a second time with the same debit card. If the transaction works, the workstation will print an approval receipt. You can also view the transaction on MPS's web site using the User ID / Password supplied to the Merchant at sign up.

How to process Debit Cards

Ring up a transaction and touch the Close button. When you reach the Payment screen, touch the Debit Card button, and enter the full amount, or simply touch Enter, and follow the instructions on the PIN Pad for the rest of the transaction. Once the transaction is accepted, the workstation will print an approval receipt.

MPS's Installation Troubleshooting FAQs

Question: What steps should I go through if debit card processing is not working?

When you are installing a new POS with MPS's debit system, there are several steps to go through if you have problems with the debit cards.
1) Verify that the PC acting as a debit card station can ping the MPS servers
Open a DOS Prompt and type ping x1.Mercurypay.com, as well as ping x2.Mercurypay.com, which were the Domain Names of the MPS servers at the time of writing. If these do not answer, try to ping by number: 65.82.159.222, as well as another www.maitredpos.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 workstation or in the debit card communications through the DSIClientX control.
Payment processing requires that the server be able to connect using TCP sockets (Winsock) through the destination port 9000.
If there is a firewall, policies may have to be implemented to allow this traffic through.
 
If Visa / Master Card work but Debit Cards do not work
Check with MPS (800-846-4472 x3) that the merchant is signed up to accept debit card. It is not uncommon for merchants to forget which card types they've signed up for. MPS can add debit card types when needed.
Mercury Payment Systems Support
MPS can help you with installation related questions via email or phone 800-846-4472