Introduction

Welcome to the Paywire's Virtual Point of Sale User Guide.

The Paywire Virtual Point Of Sale (VPOS) is the User Interface for the gateway. This enables merchants to perform the following:

1. Process Transactions
2. Manage Periodic Plans
3. Search and View Transaction Details
4. Batch Processing
5. Manage Customers in the Paywire Vault
6. View Reporting
7. Administration
8. Help and Support

URLs

The VPOS is available in two environments.

Staging     https://dbstage1.paywire.com

Production   https://dbtranz.paywire.com

The Staging environment can be used for testing.

Authentication

To access the VPOS you will need user credentials to log in.

If you do not have these credentials you may request them by emailing support@paywire.com.

Test Cards and Accounts

The following are available for you to test with the Paywire gateway:

Card Scheme/Processor	Card Number	CVV
VISA	4761739001010267	999
Mastercard	5413330089010608	998
Discover	6510000000000034	996
TSYS	4012000098765439	123
FirstData	5413330089010608	123
MES	5413330089010608	123

Account Type	Routing Number	Account Number
Current/Savings	222224444	222224444 or any same digit number

Home Page

The users are presented with the Home Page upon login, displaying the username of the active user (3), their rights and a table of merchants available to the user (2).

Navigation

Users can navigate using the navigation bar on top (1). Each menu-item may display a secondary list of options to navigate to.

1. The "Home" button returns users to the Home Page, with a secondary option:

   • "All News Postings", containing news relevant to the VPOS.

   

2. The "Payment" button provides secondary options to:

   • Make Payment
   • Periodic Billing
   • Search Transactions
   • Batch Settlment

   

3. The "Reports" button provides secondary options to:

   • View Transaction Reports
   • View User Report
   • View Merchant Report

   

4. The "Admin" button provides secondary options to:

   • Manage Merchants
   • Manage Departments
   • Manage Users
   • Manage News
   • View Logs

   

5. The "Help" provides secondary options to:

   • Navigate to VPOS or OSBP User Guide
   • View the License Agreement
   • View Paywire Rates
   • Open and View Support Tickets

   

Merchant Selection

Functions such as making a payment requires that the user selects a merchant prior to accessing the page.

This is done by using the merchant selection table, accessible from the home screen or displayed automatically when attempting to access pages that require a merchant to be selected.

Four filters are available on this table:

1. Merchant ID
2. Merchant Name
3. Type
4. Department

All filters perform a startsWith query, meaning that the value submitted needs only to partially match the prefix of the column values to find a match.

By default, the table is limited to 10 rows but can be increased up to 50 using a drop-down at the bottom of the table next to paging.

To select a merchant simply click the button to the left.

Payment

Make Payment

This page contains a form with which users can complete a payment with.

On opening the page, Payment Type is defaulted to Credit Card Sale. Changing this value will alter the displayed fields, relevant to the type of payment being processed.

For merchants using the Paywire Vault, this page also includes an option to use a stored customer and their payment tokens.

All required fields are marked with a red asterisk: they change depending on the currently selected merchant's type and the chosen Payment Type.

Once done, click to submit the payment form.

Credit Card Sale

Selecting Credit Card Sale as the Payment Type will require the user to populate at least the following fields:

1. Sale Amount
2. Card Number
3. Expiration Date

Credit Card Sale with EMV Reader

Selecting Credit Card - EMV Reader as the Payment Type will require the user to populate at least:

1. Sale Amount

Using iPP320

On clicking 'Process Payment', the Paywire Receiver will connect to the EMV reader on which the payment must be completed.

The iPP320 reader will switch to the card swipe interface where the user can swipe/insert a card to process, or press F1 button to key in the card number or use the red button to cancel the transaction.

Card Swipe

Swipe a card and wait until the reader receives the transaction response.

EMV Chip Card

1. Insert an EMV chip card in the bottom slot to process an EMV transaction.
2. Depending on the card used, the language or an on-chip application type (e.g. Debit/Credit/Checking/Savings) may need to be selected.
3. Confirm transaction total by pressing the F1 button.
4. Wait until the reader receives the transaction response before removing the card.

Key-in Card Number

1. Press the F1 button to key in the card number, then press the Green button.
2. Enter the expiration date with format MM/YY, then press the Green button.
3. Enter the CVV code, then press the Green button.
4. Wait until the reader receives the transaction response.

E-Check Sale

Selecting E-Check Sale as the Payment Type will require the user to populate at least the following fields:

1. Sale Amount
2. Routing Number
3. Account Number
4. Acct. Holder First Name
5. Acct. Holder Last Name

Remote Check Batch

Selecting Remote Check Batch as the Payment Type allows users to scan checks. This will require the user to populate at least the following fields:

1. Batch ID
2. Control Amount

Scanning Checks

1. Please the checks in the scanner.
2. Click . A popup is displayed - click 'Scan'.
3. The Information from the scanned checks will populate the table. The user must manually enter any data not populated, i.e. Amount, First Name, Last Name, Grant Number and Principal Investigator. The scanner does not capture the correct information 100% of the time it is the user's responsibility to ensure that the captured information is correct.
4. After the initial scanning of checks the user may scan additional checks by clicking 'Add Checks'.

SAP Values

If scanned checks belong to the same SAP revenue account, the user may apply the same SAP information to multiple checks without having to type the information repeatedly for individual checks.

1. Input the SAP information into the fields located within the SAP Values section.
2. Click the checkbox for each check that belongs to the same SAP revenue account.
3. Click 'Apply'.
4. Columns Cost Center, SAP G/L and Fund Number of the checks that were ticked will be populated.

Periodic Credit Card Billing

Selecting Periodic Credit Card Billing as the Payment Type will require the user to populate at least the following fields:

1. Sale Amount - amount of each payment
2. Payment Frequency
3. Start On - date the Periodic plan should process the first payment
4. End After: Payments - the number of payments after which the Periodic plan should stop processing payments
5. Card Number
6. Expiration Date
7. Card Holder First Name
8. Card Holder Last Name
9. Email

Other fields:

1. Periodic Payment Total - the total amount of the plan.
2. Final Payment Amount - the amount of the last payment.

Once 'Periodic Payment Total' and 'Sale Amount' are populated, 'End After' and 'Final Payment Amount' are automatically calculated and displayed.

This enables users to set up a Periodic plan that processes payments to cover a specified total amount over the specified period.

Periodic E-Check Billing

Selecting Periodic E-Check Billing as the Payment Type will require the user to populate at least the following fields:

1. Sale Amount - amount of each payment
2. Payment Frequency
3. Start On - date the Periodic plan should process the first payment
4. End After: Payments - the number of payments after which the Periodic plan should stop processing payments
5. Routing Number
6. Account Number
7. Acct. Holder First Name
8. Acct. Holder Last Name
9. Email

Other fields:

1. Periodic Payment Total - the total amount of the plan.
2. Final Payment Amount - the amount of the last payment.

Once 'Periodic Payment Total' and 'Sale Amount' are populated, 'End After' and 'Final Payment Amount' are automatically calculated and displayed.

This enables users to set up a Periodic plan that processes payments to cover a specified total amount over the specified period.

Periodic Plan Saved

On clicking provided that the form is valid, the user is redirected to the Periodic Plan Saved page, this page displays a summary of the transaction posted to the processor, the transaction result and the Periodic Billing details.

From this screen users can email plan detail using the button provided:

1. Clicking will display an email field, pre-populated with the email (if any) submitted in the payment form.

Periodic Billing

The Periodic Billing Management page displays a list of active Periodic plans for a given merchant.

Clicking will open a Periodic plan details page from which users can view and modify the plan.

The first page shows editable fields for the plan, pre-populated with information that was submitted in the creation request.

Clicking redirects to the Periodic Billing Changes Review page, listing the last transaction processed within the plan. If changes were made to the Periodic plan, the expected transactions before and after the change are also listed.

Search Transactions

On opening the 'Search Transaction' page, transactions posted by the active user are displayed in a table. The default sorting is by the Date Time value in descending order the sorting can be changed by clicking the relevant column header within the table.

Four filters are available to quickly search the user's recent transactions. Click for additional ones.

Advanced Search

Clicking on the 'Search Transaction' screen will open up a list of filters to search transactions by.

Clicking on this screen will apply your filters and return your search results:

Transaction Details

Clicking for a particular transaction will open the transaction details.

Different actions can be performed based on the Transaction Type and Status of the transaction.

Void

Captured transactions which have not yet been settled (i.e. their batch has not yet been closed) can be voided.

Click on the transaction detail to void the transaction.

Credit

Settled transactions can be refunded back to the customer. This can be either the full or partial amount of the purchase.

If the transaction was already partially credited, then the remaining amount of the transaction will be displayed.

Input the refund amount and click on the transaction detail to refund the transaction.

Re-Charge

From the transaction detail screen users may re-charge a card.

Input an amount in the New Charge Amount field and the CVV (if necessary) and click

A new transaction will be posted.

Receipts

This screen allows users to email or manually print receipts.

Batch Settlement

This screen allows administrators to manually close batches.

On opening, any open batches will be listed under the 'Open Batch' table.

Clicking will close the batch and transactions within that batch will have their status changed to SETTLED.

Clicking will move the batch to the 'Pending Batch' table.

Convenience Fees

Paywire also offers a Convenience Fee solution with the VPOS, wherein customers are charged a fixed fee per transaction, significantly cutting down merchants' processing costs.

For enrolled merchants, this is configured on the gateway by Paywire and will require that STATE is submitted with each payment. There are a few U.S. states that do not allow convenience fees. The gateway will by default assess a Convenience Fee if the STATE submitted is not one these.

The VPOS will display the below box if a "Fee-State" is selected from the 'State' drop-down in the Make Payment page.

The message at the bottom is configurable in the merchant admin page.

Users have the option to override charging a fee by ticking the 'Waive CF' checkbox:

On completing the payment, the Transaction Confirmation, Transaction Result and Transaction Detail pages will include the following lines in their summary:

Receipts sent to customers/payees will also include line items for the convenience fee:

Receipts

The Paywire Gateway support both automated and manual receipt distribution to customers/payees.

Automated emails can be configured in the Merchant Admin Page.

Manual emails can be sent from the Transaction Result Page or the Transaction Detail Page.

The receipt sent will be like the following:

Customer Management

On opening the 'Customer Management' page, a list of customers stored in the Paywire Vault are displayed in a table.

Four filters are available to search customers.

New Customer

Clicking will load the following form:

This requires at least:

1. External Customer ID - user-defined identifier for this customer
2. Customer Name

Once saved, the user is redirected back to the Customers Management Page.

Customer Details

Clicking on a row within the Customers Management List will open the selected customer's details.

From this page, users can:

1. Modify the customer's basic information.
2. Add/Edit/Delete existing Payment Tokens.
3. Process a payment using one of the listed tokens.
4. View Periodic Billing Plans associated with the customer.
5. Generate a historical report of all transactions associated with the customer.
6. Delete the customer.

Adding New Payment Method

Clicking from the Customer Detail page will load a form to create a New Payment Method.

Reports

Transaction Reports

The following are available in this section:

• Transaction Details Report By Location
• Transaction Details Report By Card Type
• Transaction Summary By Card Type
• Check Returns and NOC Report
• Credit Card Chargeback & Retrieval Report
• Cashier Batch Summary
• Download Report List

For merchants configured with Cash Discount, the following is available:

• Cash Discount Detail Report
• Cash Discount Summary Report

For merchants configured with Convenience Fees, the following are also available:

• Convenience Fee Detail Report
• Convenience Fee Funding Summary

Transaction Details Report By Location

This report lists individual transactions based on the filters applied.

Filters include:

1. Date range - based on transaction timestamp
2. Based on Settled Batch - will only return transactions in settled batches
3. Group by Batch ID - will group the transactions in the report by batch
4. Custom ID 1 - a merchant-assigned identifier optionally submitted in the transaction request
5. Report Generation - users have the option to directly Download the report or View Report In Browser (with an option to download)

Transaction Details Report By Card Type

This report also lists individual transactions, but also groups them by the card type used (i.e. VISA, Mastercard, Discover, etc.).

Filters include:

1. Date range - based on transaction timestamp
2. Based on Settled Batch - will only return transactions in settled batches
3. Custom ID 1 - a merchant-assigned identifier optionally submitted in the transaction request
   
4. Report Generation - users have the option to directly Download the report or View Report In Browser (with an option to download)

Transaction Summary By Card Type

This report displays card totals per merchant, splitting Visa/MasterCard/Discover and AMEX.

Filters include:

1. Date range - based on transaction timestamp
2. Based on Settled Batch - will only return transactions in settled batches
3. Based on Open Batch - will only return transactions in open batches

Cashier Batch Summary

This report will display all transaction batches for any cashiers configured to process on a merchant.

Advanced Search

Clicking will Advanced Search page with filters. These include:

1. Transaction Status
2. Time Span

Check Returns and NOC Report

This report lists any ACH returns received.

Credit Card Chargeback & Retrieval By Location

This report lists any Chargebacks or Retrieval Requests received from the Card Networks.

Download Report List

Larger datasets and reports run with Report Generation of 'Download Only' will be listed on this screen once processed and available.

These reports will be encrypted with a password and have an expiry timestamp. The password can be found within the same entry.

Convenience Fee Detail Report

For merchants configured with Convenience Fees, this report will list individual transactions along with their State submitted, a CF Fee flag to describe whether the transaction qualified for a Convenience Fee, the Convenience Fee amount and the Sales Tax applied (if any).

Transaction are grouped by transaction date and merchant. Subtotals per Card Type (VISA, Mastercard, Discover, AMEX, Other), Payment Type (Card, E-Check) and Merchant are included.

Filters include:

1. Date range - based on transaction timestamp
2. CF State - flag to describe whether transactions qualified for a Convenience Fee
3. Report Generation - users have the option to directly Download the report or View Report In Browser (with an option to download)

Convenience Fee Funding Summary

For merchants configured with Convenience Fees, this report will summarize settled transactions by Payment Type (Card, E-Check) and displays the funds expected in merchant's bank account along with the adjustment total (Convenience Fees) for each summary.

Summaries are grouped by settlement date (batch close date) and merchant. Subtotals per Payment Type and Merchant are included.

Filters include:

1. Date range - based on settlement date (batch close date)

Cash Discount Summary Report

For merchants configured with Cash Discount, this report will summarize transaction by Batch ID and displays the Gross Sales amount, Adj. Amount (the discount) and any Sales Tax.

Summaries are grouped by merchant.

User Report

This report will return a list of users with their basic information along with their last login timestamp.

Two filters are available:

1. Merchants
2. User Level

Merchant Report

This report lists detailed information about merchants.

This can be filtered by Merchant and Department.

Admin

Users configured with administrative functions have access to the Admin section.

Merchants

This screen lists all merchants in a table.

Clicking will pull up the merchant information, including the Client ID and Merchant Key used for the OSBP.

Clicking will provide options to create a new merchant.

Level 3 Processing Defaults

The merchant configuration page allows setting default values for the API Level 3 Processing request parameters as follows:

Departments

This screen will display a list of departments in a table.

Clicking from within the table will allow the user to edit the Department Name and modify the assigned merchants.

Clicking will display a Department Name field to create new.

Users

This screen lists users created on the Paywire Gateway related to the merchant(s) assigned to the active user.

The following user types are available:

1. Paywire Administrator - all rights
2. Primary Administrator - can view and modify assigned merchants
3. Secondary Administrator - can maintain certain merchants within their department
4. VPOS User - rights are assigned by an administrator on creation
5. OSBP User - used to process transactions via the Off Site Buy Page

Adding a New User

Clicking will open a form with 4 tabs:

1. General Information

Click "Department" tab to go to Department page.

2. Assign Department For Department Admin

Applies only to 'Secondary Administrator'.

Clicking will move the selected deparment on the left table to the right department table.

Click "Merchants" tab to go to Merchant page.

3. Assign Merchant(s) For User

Applies only to 'VPOS User'.

Clicking will move the selected merchant on the left table to the right merchant table.

Click "User Rights" tab to go to User Rights page.

4. User Rights

This screen is used to set permissions for the new user.

Clicking will create your user.

Logging Out

To log out of the VPOS, users need to click the username dropdown to the right of the navbar and click "Log out" option.

Software Installation

Paywire Receiver

Paywire Receiver is a Windows application that communicates between web browsers and credit card readers (iPP320) or check scanners (TS240).

System Requirements

1. Windows 7/ Windows 8.1/ Windows 10 (32bit or 64bit)
2. Microsoft .NET Framework 4.5 (automatically installed by the installation batch file referenced in this document)
3. Visual C++ Redistributable for Visual Studio 2015 (automatically installed by the installation batch file referenced in this document)
4. Internet Explorer 11, Chrome or Firefox Browser

Installation

1. Make sure all iPP320 and TS240 devices are disconnected from the PC.
2. Download setup packages here: https://project.paywire.com/download.aspx

3. After downloading and extracting the installation package, there should be 3 folders per the below:

   

   Step1_PaywireReceiver is mandatory for all merchants, Step2_Ingenico_USB_Driver and Step3_TS240_USB_Driver are optional depending on credit card merchants or remote check merchants.

4. Locate the Install.bat file of each folder, double click to run, or right click and run as administrator.

   If the User Account Control prompt appears, click on Yes to continue.

5. Depending on different drivers, this process could take up to several minutes to complete. The expected result should be “Success” without any error codes.

   

   

   

   If the Windows Security Alert appears, check the options for Paywire Receiver to use internet connection depending on your network setting, then click on “Allow access".

6. Once completed, the Paywire Receiver should be running in the system tray on the bottom right corner of the task bar, as shown below.

   

Browser Configuration

1. Internet Explorer 11

   Add https://dbtranz.paywire.com to trusted sites if it is not already added.

   Tools → Internet Options → Security Tab → Trusted sites → Sites.

   

   In Advanced Tab, make sure Use SSL3.0 is NOT checked.

   

2. Google Chrome

   Go to the config page using: chrome://flags/#allow-insecure-localhost

   Click on “Enable” for Allow invalid certificates for resources loaded from localhost.

   

3. Mozilla Firefox

   Make sure Paywire Receiver is running and the VPOS service is ON.

   In the address bar, goto https://127.0.0.1:7778

   Click on “Advanced” then “Add Exception”.

   

   

Paywire Receiver Configuration

The Paywire Receiver will be ready to use after the installation. No further configurations needed.

This section is only for system administrators to use for troubleshooting purposes.

1. Open configuration page by double clicking or right clicking on the Paywire Receiver icon in system tray.

   

2. Service Activation

   The Paywire Receiver can work in different modes. For VPOS users, please make sure “VPOS Service” is on.

3. Transaction Settings

   Allow EMV Swipe: In case the chip on the credit card is corrupted or damaged, this feature will allow user to swipe the chip card from the magnetic stripe reader on the right side of the iPP320. If turned off, the chip card will be rejected when swiped from the magnetic stripe reader and the user will be required to insert the EMV card in the EMV slot.

   Allow Debit Card: If this option is checked, the reader will prompt user to select payment method as credit card or debit card. However, the debit transaction will not be approved unless the merchant is configured to process debit cards.

   Allow ACH: This is in preparation for user to key in ACH account number from iPP320. (Not activated at this time, i.e. for future use)

   Require ZIP Code: If this option is checked, when the user keys in the credit card number on iPP320, there will be an interface to enter ZIP code.

4. Debugging

   iPP320 Test App:
   Test the connectivity of Ingenico iPP320 EMV credit card reader. If any error messages returned, please send the error message to your technical support representative.

   

   TS240 Test App:
   Test the TS240 check scanner. If any error messages returned, please send the error message to your technical support representative.

   

   Update iPP320 Config:
   When a reader’s configuration is corrupt, administrators can use this button to restore or update the configuration file for iPP320.