Go to Administration, select Settings, and click on the Payment tab.
You will view your payments profile. If you have more than one profile, you will see a payment profile drop-down menu at the top of your payment tab. Multiple payment profiles may be used for foreign currency processing or if you have more than one USD profile to manage products, convenience, or surcharge payments. These payment profiles may be linked to a unique Receipt Profile.
Use the settings interface to configure your batch close time, AVS and CVV settings, and Virtual Terminal settings. The table below outlines the fields, settings, and descriptions.
NOTE: If you want to create a new Payment Profile, contact our customer support team.
Payment Detail Settings
| Field | Description |
|---|---|
| Profile ID | The Profile ID identifies which payment settings to use during the transaction lifecycle. |
| Profile Name | The name listed on your Qualpay Account. This name will be displayed on the card holder’s statement. |
| Currency | The currency type of the profile. You must have a profile for each currency that you intend to process. |
| Auto Close Time Credit | The card batch will be closed for settlement at this time. By default, the batch closure time is 9:00 pm PST, but you can edit this and set the time that suits your business needs. The default time maximizes your funding time for transactions in the previous 24 hours. |
| Auto Close Time ACH | Applicable if you are processing ACH payments. The bank batch will be closed for settlement at this time. By default, the batch closure time is 2:00 pm PST, but you can edit this and set the time that suits your business needs. The default time maximizes your funding time for transactions in the previous 24 hours. |
| AVS Settings | Customize the authorization security level for all credit card transactions processed with the selected profile id by turning on the Address Verification Service (AVS). You do so by specifying under what conditions you want to accept or reject a charge. Once enabled, the toggle option will show in green. If disabled, the toggle will show in white. You can configure to decline a transaction if there is No Match (N, I), Partial Match (A, W, Z, B, P), AVS Unavailable (U, R, S, C, G), and AVS Invalid (E). |
| CVV Settings | Configure to help ensure a cardholder’s card is on hand at the time of purchase by adding security around Card Verification Value (CVV). To enable, click the toggle against the option you are configuring. Once enabled, the toggle option will show in green. If disabled, the toggle will show in white. You can configure to decline a transaction if there is No Match (N), Not Processed (P, S), and Issuer not certified for CVV (U). |
Virtual Terminal Settings
| Field | Description |
|---|---|
| Label | Purchase ID: The label you would like to use for this field in the Virtual Terminal. This label will only change the Virtual Terminal label; all other reports will retain the Purchase ID label. Merchant Reference: The label you would like to use for this field in the Virtual Terminal. This label will only change the Virtual Terminal label; all other reports will retail the Merchant Reference label. |
| Required Fields | Customer Name: The Name is used to enter the First and Last Name of your customer. Enable as required to ensure this value is collected each time a transaction is entered and processed via Virtual Terminal. To enable, click the toggle. Once enabled, the toggle option will show in green. If disabled, the toggle will show in white. Customer Phone: The Phone number is the number available to contact your customer. Enable as required to ensure this value is collected each time a transaction is entered and processed via Virtual Terminal. To enable, click the toggle. Once enabled, the toggle option will show in green. If disabled, the toggle will show in white. Merchant Reference: A value created and entered by you during the transaction; can be used for reconciliation purposes. Enable as required to ensure this value is collected each time a transaction is entered and processed via Virtual Terminal. To enable, click the toggle. Once enabled, the toggle option will show in green. If disabled, the toggle will show in white. Purchase ID: The purchase ID (sometimes referred to as the invoice ID) is input by you at the transaction time. The value may appear on the cardholder statement and can be used for reconciliation purposes. Enable as required to ensure this value is collected each time a transaction is entered and processed via Virtual Terminal. To enable, click the toggle. Once enabled, the toggle option will show in green. If disabled, the toggle will show in white. |
| Optional Fees | None: No additional fees. Convenience Fees: Charged for the convenience of paying using an alternative payment channel outside of the customary. It is a flat or fixed amount. Surcharge: Charged for the privilege of using a credit card. The surcharge can be up to 3% of the total transaction amount. Note: If you want to turn on Surcharges or Convenience fees, contact our customer support team. You will only have one option, either Surcharge or Convenience fee; you cannot apply both. Once you decide which fee you will apply, you need to enter a default amount for convenience fees. In contrast, for Surcharges, you can apply a fixed or percentage amount. |
| Display ACH confirmation field | If your account is enabled for ACH Payments, you can require that the ACH account number be entered twice. This will reduce the chance of rejected payments due to a mistyped account number. |
| Copy customer ID to Purchase ID | Default: Off When you toggle this feature On, the Virtual Terminal will take Customer IDs from customers that are saved in the Qualpay Customer Vault and insert the ID into the Purchase ID field. |
| Collect Signature for Receipt | Default: Off When you toggle this feature On, the Virtual Terminal will allow you to collect a customer signature within your web browser immediately after running a transaction. It will associate the customer signature with the transaction that was just run. |