Credit Card Processing

(Note: For a thorough understanding of the online payment process, read the following article: “Online Payment Processing – What You Need To Know” located at http://www.verisign.com/resources/gd/enablePayment/index.html)

Your organization will need to complete the following in order to begin processing credit cards through MaxEnterprise:

1)      Establish a Merchant Account.

2)      Acquire a Payment Processing Service.

3)      Configure your PC.

4)      Setup CC Account Administration in MaxEnterprise.

Before you can process credit cards from within the system, you must obtain a Merchant Account.  A Merchant Account is an account with a financial institution that enables you to process payments over the Internet.  Merchant Accounts are available for multiple payment types (i.e. all major credit cards, debit cards, purchase cards, ACH transfers, and electronic checks).  Note: at this time, the MaxEnterprise system is only designed to support credit card payments, although support of additional payment types is currently in discussion to be included in future enhancements…

** If your organization currently accepts credit cards, and already has an Merchant Account but you are currently using a different payment processing service (i.e. ICVERIFY, or a similar product), you will need to switch to Payflow Pro (i.e. the payment processing service offered by VeriSign which is currently integrated into the MaxEnterprise system).  Proceed to Step 2.

** If your organization does not currently accept credit cards, you will need to establish a Merchant Account with an “Acquiring Bank.” In the online payment-processing world, an Acquiring Bank provides Merchant Accounts. Your organization must open a Merchant Account with an Acquiring Bank to enable online credit card authorization and payment processing. Examples of Acquiring Banks include Merchant eSolutions and most major banks.

Option: since you will be working with VeriSign to acquire a Payment Processing Service in Step 2 below, your organization may also choose to partner with VeriSign in order to establish a Merchant Account. 

Offer: VeriSign™ has created a dual promotion package for Maximum Solutions customers who need to open a Merchant Account AND setup a Payment Processing Service.  VeriSign™ can offer a Merchant Account (Merchant eSolutions) with low monthly rates and will waive the setup fees for both Merchant eSolutions and Payflow Pro.  You may obtain these promotional rates by calling Joshua Hughes at VeriSign Inc. at (650) 426-3375. Note: This dual promotion is not offered on VeriSign's website and is only available by contacting Joshua Hughes in person.

MaxEnterprise is currently configured to work with Payflow Pro, a payment processing service offered by VeriSign^®.  Payflow Pro is a customizable solution that is downloadable from VeriSign's website, can be easily integrated into a customized e-commerce solution in only hours, and is pre-integrated with all major shopping cart applications and e-commerce platforms.

Important Note:  When contacting Joshua Hughes at (650) 426-3375 to set up your VeriSign Payflow service, be sure to mention two things: 1) you are a Maximum Solutions account and 2) to activate the “swipe feature”.  These two steps will ensure that your organization receives the best signup pricing and the lowest rate per credit card transaction. (Note: “card present/swipe” transaction rates are lower than “card not present/phone-in” transaction rates since there is less chance for error or fraud).

Payflow Pro Pricing:     

The annual pre-paid Payflow Pro service includes one time set-up fee and standard monthly charges, which includes 1000 transactions per month for 1 year. Note: Additional transactions are .10 cents each.

For more information about how Payflow Pro works, please visit:

http://www.verisign.com/products/payflow/pro/how.html

For more information about the benefits of the Payflow Pro processing service, please visit:

http://www.verisign.com/products/payflow/pro/benefits.html

Further resources for Payflow Pro installation and support:

To sign up for a Payflow Pro test account:

https://register-payflow.verisign.com/testreg.cfm?product=1001&partner=VeriSign

Step-by-Step Test account directions:

http://www.VeriSign.com/support/Payflow/pro/pfptestprocess.html

Payflow Pro Online Support Pages:

http://www.VeriSign.com/support/Payflow/pro/selfHelp/index.html

Online Support Knowledge Base:

http://kb.VeriSign.com/esupport/esupport/payments/esupport.asp?

Payflow Pro Developer's Guide:

https://register-Payflow.VeriSign.com/downloads/PayflowPro Guide.pdf

Payflow Manager Login:

https://manager.VeriSign.com/login/login.cfm?CFID=12373468&CFTOKEN=6752144

VeriSign™ Manager User Guide:

https://register-Payflow.VeriSign.com/downloads/Manager Guide.pdf

Payflow Technical White Paper:

https://www.VeriSign.com/rsc/wp/pmt_srv/index.html\

Important Note! Each PC processing credit cards must be running WINDOWS NT, 2000, or XP.  The MaxEnterprise credit card processing module will not work with WINDOWS 95 OR 98.

1. Create a new folder in your C:/ drive called “Payflow Pro.”

2. You can find documentation and software by going to https://payments.verisign.com/manager and logging into your account with your Partner Name (VeriSign), Logon ID, and Password. Once in your account simply click on the "Downloads" Link located on the upper menu bar. You will need to download the ‘Payflow Pro Software Development Kit’ for ‘Windows NT 4.0, 2000, 2003’ (in the left column on the bottom half of the page).

3. (You will begin downloading the file “pfpro_win32.zip.”  If a window appears asking if you would like to “Save” or “Open” the file, click the Save button.)

4. In the “Save In” pick list at the top of the window, navigate to and double-click on the “Payflow Pro” folder you created earlier in your C:/ drive.

5. After the file has finished downloading, navigate to your new Payflow Pro folder, and unzip the pfpro_win32.zip file into the same Payflow Pro folder.

6. Locate the file “pfpro.dll.” This file will be in the following location: C:\Payflow Pro\VeriSign\ Payflowpro\win32\lib. 

7. COPY the file “pfpro.dll” to the following location: C:\winnt\system32 directory (Windows 2000 users) or  C:\windows\system32 (Windows XP users).

8. Locate the file “PFProComSetup.exe.” This file will be in the following location: C:\ Payflow Pro\VeriSign\Payflowpro\win32\com.

9. Double-click on the file “PFProComSetup.exe.”  This will install and run the Payflow Pro client plugin.  Note: If completed correctly, one of the following pop-up windows will appear:

   OR      

                     (Windows 2000 Users)                                  (Windows XP Users)

10. Click “OK” to close the window pictured above.

11. Create a new System Variable. To do this:

1. Windows 2000, or XP users: right-click on My Computer, click on “Properties” located at the bottom of the drop-down menu, click on the Advanced tab, click the “Environment Variables” button at the bottom of the screen. Windows NT 4.0 users:  right-click on My Computer, click on “Properties” located at the bottom of the drop-down menu, click “Environment.” You will see a screen that looks like this:

 or

(Windows 2000 Users)                                (Windows XP Users)

(Note: It’s not important what appears in the System Variables section; this will vary according to what applications may be installed on each computer…)

2. Click “New” under System Variables and the following pop-up window will appear:

3. Enter “PFPRO_CERT_PATH” in the Variable Name field.

4. Enter “C:\Payflow Pro\verisign\payflowpro\win32\certs” in the Variable Value field.

5. Click OK to close the New System Variable window.

11. Click OK to close the Environment Variables window.

12. Click OK to close the System Properties window.

Within MaxEnterprise, from the Main Switchboard, select Administrative in the left column and double-click on CC Account Administration in the middle column.  The following screen will appear:

The Vendor ID and Logon ID will be given to you when you setup your Merchant Account.  Note: These entries will usually be exactly the same…

Make sure this box is checked!

This is the only option currently available in MaxEnterprise.

1.       Click the pull down arrow in the Service pick list and select “Verisign CC Only.”  (Note: this is the only option currently available in MaxEnterprise.)

2.       Service Account Information

a.       In the Partner field, enter “verisign”

b.       Enter the Vendor ID given to you by your Merchant Account financial institution.

c.       Enter the Logon ID you selected when you opened your Merchant Account.

d.       Enter the Password you selected when you opened your Merchant Account.

e.       In the Host Address field, enter “payflow.verisign.com”

f.        (The Host Port field should automatically say “443”)

g.       (The Time Out (sec.) field should automatically say “30”)

3.       Proxy Information (only required if you are behind a firewall)

a.       Enter the IP Address of your organization.

b.       Enter a Port number for your IP Address.

c.       (Optional) Enter the Logon necessary to get through your proxy server.

d.       (Optional) Enter the Password necessary to get through your proxy server.

4.       Admin Password (password needed to access this screen)

a.       (Leave the Old password field blank)

b.       Enter a New password to access this screen.

c.       Retype the password in the Verify New field.

5.       Click the Test button.  The following message should appear:

6.       Click the OK button.

At this point, your organization is ready to process credit cards through MaxEnterprise!