Here is a list of our integration options:
Integrations can also be a combination of the above options. For instance, some Integrators choose to not directly handle cardholder data in order to avoid costly PCI COMPLIANCE and auditing. Those Integrators generally will use our Web Widgets to collect cardholder data and then use our (SOAP or REST) API for all other activities such as processing cards-on-file, reporting, queries etc. The Virtual Terminal is simply a web application which allows merchants to do all the various card processing functions within the confines of the browser. This includes processing payments, creating card-on-file plans (Consents), and generating reports. Easy Pay Modules can be used for interfacing with a chip reader, and currently we support the VeriFone Vx820, P200 and P400.
Generally, card processing is done in one of three ways:
Item 1: is used when someone needs to pay a particular amount and this is done independently and NOT as a part of any payment plan or agreement. The charge is authorized and details are stored in the account database, a receipt is generated from the system and the transaction enters the OPEN state. While this transaction is OPEN, there is an opportunity to VOID the transaction and reverse the authorized funds immediately. At some point the transaction will be SETTLED, either through the API, or the Virtual Terminal, or automatically though our AUTO SETTLE feature. There is a settlement report that is generated and then emailed to the provided merchant e-mail address. All transactions which are SETTLED, can then have a CREDIT applied to it. The credit amount can be applied through the API or Virtual Terminal.
Item 2: requires that you first create a card-on-file (Annual Consent). Consents are created using any of our integration channels, such as API, Widget, Virtual Terminal etc. When you create a Consent, you basically store the information concerning the cardholder, and potentially the patient or guest in our system. Our system will return an integer which represents the sensitive data (called a ConsentID). Using our API you can simply provide this integer, and a charge amount, to process a sale at will.
Item 3: requires that you first create a payment plan. These can be constructed using any of our integration channels. Generally, you will provide a total amount and a number of payments and the system will calculate the entire payment arrangement. As each payment becomes due, the system will automatically charge the cardholder the correct amount. A receipt will be generated and emailed to the cardholder. Payment plans can be viewed and modified using our Virtual Terminal, or API.