Documentation Changes and Enhancements

Chapter 1

Welcome to the Business Center

Selecting a Method to Process Orders

Orders by Telephone

Orders Through a Web Site

Understanding and Preventing Credit Card Fraud

Using this Guide

Chapter 2

Activating Your Business Center Account

Logging into the Business Center for the First Time

Learning to Navigate in the Business Center

Setting Up Your Business Center Account

Entering Your CyberSource Billing Information

Providing Your Payment Processor Information

Signing Up for Additional Services

Preparing Your Hosted Order Page or Simple Order API Implementation

Going Live

Testing the Virtual Terminal

Chapter 3

Configuring Your Business Center Settings

Configuring the Virtual Terminal

General Settings

Payment Information

Customer Information

Order Information

Merchant-Defined Data Fields

Level II and Level III Fields

Result Fields

Default Values

Email Receipt

Printable Receipt

Configuring Smart Authorization

Address Verification Service (AVS)

Card Verification Number

Transaction Amount

Advanced Smart Authorization Features

Choosing Default Hosted Order Page Settings

Managing Users and Their Privileges

Types of Privileges

Adding and Modifying Users and their Privileges

User Management Report

Updating Your Account Information

Managing Passwords

Changing Your Password

Recovering Passwords

Chapter 4

Processing an Order with the Virtual Terminal

Processing an Order

New Order

Follow-On Transactions

Transaction Receipt

Reviewing Orders in Real Time

Successful Order Processing

Correcting Errors and Declined Orders

Chapter 5

Searching and Reviewing Orders

Searching for Orders

Conducting Basic Searches

Searching for Orders with Similar Information

Searching for Errors in Your Orders

Reviewing Declined Credit Card Authorizations

Hiding Authorizations from Search

Smart Authorization Declines

Verbal Authorization Code Needed

Processing Follow-On Transactions

Processing Authorized Orders

Capturing Orders

Verifying the Status of Captured Orders

Crediting Orders

Voiding Orders

Processing Batches of Transactions

Reconciling Your Orders with the Reports

Appendix A

Processing Credit Card Payments

Credit Card Payment Industry

Understanding Credit Card Procedures

Authorizations

Captures

Sales

Credits

Processing an Order

Collecting the Order Information

Reviewing the Order

Shipping the Order

Collecting Payment from the Customer

Transferring Money to your Account

Types of Transactions

Preparing to Process Card-Present Transactions

Purchasing the Card Scanner

Installing the Card Scanner

Activating the Scanner in the Virtual Terminal

Testing the Scanner

Appendix B

Processing Electronic Checks Payments

Check Payment Industry

Understanding Electronic Check Procedures

Debits

Credits

Account Reconciliation

Processing an Order

Collecting the Order Information

Reviewing the Order

Transferring Money to your Account

Shipping the Order

Preparing to Accept Electronic Checks

Reports for Electronic Check Processing

Web Site Requirements

Call Center Requirements

Testing Your Implementation

Appendix C

AVS, CVN, and Factor Codes

AVS Codes

Card Verification (CV) Number Codes

Smart Authorization Factor Codes

Appendix D

Reason Codes in the Transaction Exception Detail Report

Index