Configure a merchant account
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1.
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In Administration, click Merchant Accounts. Merchant Accounts appears. |
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2.
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Select the Merchant accounts tab. |
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3.
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Click New merchant account. The New Merchant Account screen appears. |
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4.
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Under Merchant Account Details, in the Name field, enter a unique name for the merchant account. |
Note: To support multiple currencies, you must add a merchant account for each currency you process. To differentiate between accounts, we recommend you include the currency type in the name of the merchant account, such as “IATS account for Canadian dollars.”
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5.
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To set up the merchant account but not make it available for use on a donation part, select Merchant account is inactive. |
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6.
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In the Process mode field, select whether to use the merchant account to process transactions or for another purpose. |
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To use the merchant account to process transactions, select “Live.” |
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To use the merchant account to test the connection with the gateway, if the gateway selected for the merchant account supports a test mode, select “Test.” |
Note: For details about credit card test and demo information, see Credit Card Information for Demo and Test Mode.
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To use the merchant account for internal use only and not send data to the gateway, select “Demo.” |
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7.
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In the Description field, enter a description to help identify the merchant account. For example, explain the types of donation parts to use the merchant account. |
When you host multiple sites and edit a merchant account, the Assign to site field appears so you can move an account from its current site to another site. If the account is in use on the source site, it continues to be on that site. However, the account is now associated with the target site and its security.
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Under Gateway Account Details, in the Gateway field, select the credit card gateway to use with the merchant account. |
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In the Currency field, select the currency to use with the merchant account. |
Note: To support multiple currencies, add a merchant account for each currency you process. Your merchant account settings are the same, except for the information you enter in the Currency, Name, and Description fields.
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10.
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When you set up an account with the gateway, you receive a vendor login ID and password. In the Gateway ID field, enter your vendor ID. |
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11.
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In the Password and Confirm Password fields, enter your password. Regardless of the characters you enter, only bullets appear in these fields. |
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12.
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In the AVS Level field, select whether to use the Address Verification Service (AVS) with the merchant account and at what level. For example, you may select to use AVS to process Card Not Present transactions. |
Note: The AVS is fraud protection that verifies customer billing addresses submitted through online payment transactions. With AVS, the gateway issues a transaction to authorize the payment. In response, the gateway receives information about the payment, including whether the numeric portion of the street address and Zip code are correct. Depending on the AVS level selected for the merchant account, the gateway uses this information to determine whether to accept the payment. The program performs this service only when the selected gateway supports AVS for the country of the transaction. For information about AVS support, contact your gateway.
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Full: To accept transactions only when both the street address and Zip code match, select this option. |
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Medium: To accept transactions when either the street address or Zip code match, select this option. We recommend you select this option. |
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Light: To deny transactions only when neither the street address nor the Zip code match, select this option. This level may accept transactions when either the street address or Zip code returns no response, regardless of whether the other criteria matches. |
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None: To perform no address verification, select this option. |
For more information about how the program uses AVS to protect your account from fraudulent credit card activity, see Address Verification Service (AVS).
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If the gateway checks the Card Security Code (CSC) to protect against fraud, the CSC Level field is enabled. Select whether to use CSC checks. The Card Security Code, or Card Verification Value (CVV2), appears only on the credit card and not on receipts or statements. |
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To perform no CSC check, select “None.” |
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To accept transactions only when the CSC matches, select “Full.” |
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To decline transactions only when the CSC does not match, select “Light.” |
For more information about how the program uses a CSC check to protect your account from fraudulent credit card activity, see Card Security Code (CSC) Check.
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To indicate whether to use Three-Domain Secure (3DS) authentication for Card Not Present transactions when using a payment processer that supports 3DS, select Use 3DS processing. |
Tip: Developed by major credit card providers, 3DS authentication is an additional security layer for online transactions. 3DS requires a cardholder to register the credit card through the card issuer's website and specify credentials used to verify online transactions. Examples of 3DS authentication include Verified by Visa and MasterCard SecureCode.
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Under Supported Credit Cards, the credit cards that the selected gateway can process appear. Select the checkboxes for the types of credit cards available for transactions on your website. For each credit card type you select, in the Processor column, select the credit card processor to handle transactions of the card type. |
Note: Credit card processors vary in support for AVS and CSC. Before you activate your website, check with the gateway for the latest information. For information about whether and how processors use a CSC check to protect your account from fraudulent credit card activity, see Card Security Code (CSC) Check.
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If the selected gateway requires additional information, the Additional Fields grid appears. In the Value column, enter the information required by the gateway. For example, Payflow Pro requires a Partner field so you can enter your organization’s Payflow Pro partner. |
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17.
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Click Save. You return to Merchant Accounts. To ensure the secure processing of credit card transactions, the program automatically sends your merchant account information to the Blackbaud Payment Service. |