Payment Card Overview

Payment cards such as credit, debit, and EBT cards can be processed directly from the EBMS software. This option streamlines the processing, settlement, and management of payment card processing. The secure PCI approved method of credit card storage and processing combined with the cash management tools of the EBMS software creates an efficient way of recording multiple payment methods.  

Various payment cards can be processed using the EBMS software and attached peripherals. The EBMS software interfaces with the Verifone Point technology to meet PCI Security Standards Council requirements. Review Point of Sale > Getting Started > Securely Implementing EBMS for PCI security recommendations.

The payment card module also gives the user a secure means of storing credit card information within a sales order or customer account without storing the actual credit card number. The payment card process gives the user the convenience of flexible payments without the security concerns of many applications.

Configuring Payment Cards

Review the following sections to review payment card configuration details:

1. Configure the merchant account parameters: Eagle Business Software has partnered with various credit card merchant service providers to allow your business the opportunity to choose the merchant services provider (MSP) and the payment processing platform. Review the Merchant Account Parameters section for more details on this option.

2. EBMS can process credit cards by communicating with the Verifone payment device gateway. Review Configuring EBMS for Payment Cards for EBMS configuration details for US based payment processing.  Review Velox Integration for information on Canadian options.  

3. The EBMS software can interface with a Verifone Payment device. Review the following sections for details on configuring this device:
   

1. Review the Defaulting a Computer to a Point Device section to direct a computer to a payment device.

2. Review the Point Device Pairing and Utilities section to pair the device to EBMS.

3. The card verification rules to reject cards that are scanned on a Verifone hardware device can be configured in EBMS. Review the AVS/CVV2 Rules and Actions section for instructions.

4. Configure the Signature Capture Floor to create a threshold sale amount that requires a signature. Review Signature Capture > Floor for details and setup instructions.

5. Configure the Verifone payment device as a customer facing display at the point-of-sale. Review the Configuring the Customer Facing Display on a Point Device section to configure this optional but powerful feature.

6. Review the Network Configuration of Verifone Point Device section for more instructions to connect multiple EBMS stations to a single Verifone payment device.

4. EBMS contains the following alternative methods to collect payment device information besides a hardware payment device:

1. Virtual Terminal: Review the Virtual Terminal section for details.

2. Payment Portal: Review the Payment Portal section for details.

Processing Payment Cards

The following steps are for US based merchant accounts only.  Review Velox Integration for information on Canadian options.

Review the following sections for more details on how to use payment cards within EBMS

• Review the Processing Payment Cards section for details on preauthorizing and processing payment cards.

• Review Signature Capture > Processing for instructions to capture a signature for a card payment.

• Customer payment card information can be stored to process payments at a later time. Review the Saving Customer Credit Cards for more details on this feature.

• Credit card payments can be automated by enabling a Preferred Credit Card option and setting proper terms. Review the Automated Credit Card Payment section for more details.

• The following specialty payment cards can be configured within the EBMS software:

• Gift Cards: Review the Gift Cards section for details

• EBT Cards: Review the EBT Cards section for details

• Loyalty Cards: Review the Loyalty Cards section for details

• Review Customer Payments > Auto Sending Customer Payment Receipts to automate the electronic communication of credit card payment receipts.  

• Review Reconciliation of Deposit for details on end of day deposit reconciliation.

• Review Trouble Shooting Credit Card Processing for trouble shooting tips.

Crediting a Payment Card

Refunding a payment card may be required for a number of reasons:

1. Overpayment on a purchase:  A credit balance may result from an overpayment of a sales invoice.   

2. Return of product:  A credit may be generated to reimburse a customer who returned merchandise on a paid sales invoice.  

3. Credit invoice:  Refund any customer credit.

Refunding a credit on a sales invoice that was paid with a credit card using the EBMS Payment card processing can be credited by processing a negative payment amount using the same steps as processing the original payment card payment.  Review the following sections for standard payment instructions:

1. Review Customer Payments > Processing Customer Payments for instructions to process payments for one or more invoices.  Enter a negative payment amount to process a credit.  

2. Review the Credit/Debit Card section of Customer Payments > Down Payments for instructions to process payments on a sales order.  Enter a negative payment amount to process a credit.

3. Review Credits > Processing Customer Credits to create a customer credit or Credits > Refunding Customer Credits for instructions on how to refund credit payments using a payment card.