Processing Credit Card Transactions

To process a credit card transaction, do the following:

• From among the choices displayed in the category Transaction Type, Select Charge a Credit Card/Debit a Checking Account.
• Provide customer information as shown on your Virtual Terminal Screen (Please see this chapter’s section Payment Form/Weblink Field Settings to find out how to designate which fields appear on your Virtual Terminal Payment Form).
• Provide customer credit card information, including the card number and the expiration date.
• To submit the transaction, scroll down to the bottom of the page and click on Submit.

Note: To process a normal transaction, you do not need to provide an authorization code. If you do not see a type of credit card and you would like to add that credit card capability, contact your Merchant Service Provider, who can enable certain types of credit cards for your Merchant Account. Once the MSP enables those types of credit cards on your Merchant Account, your RTWare.net Sales Agent can add processing capability for those types of cards to your RTWare.net account.

Processing eCheck.Net Transactions

eCheck.Net transactions differ from credit card transactions in that they are not processed in real time. Thus, an eCheck transaction can only be submitted initially; the success of the transaction is not known until later.

To process a transaction using eCheck.Net, do the following:

• From among the choices displayed in the category Transaction Type, Select Charge a Credit Card/Debit a Checking Account.
• Provide customer information as shown on your Virtual Terminal Screen.
• Provide Checking Account information, including the checking account number and the ABA routing number.
• To submit the transaction, scroll down to the bottom of the page and click on Submit.

Note: The ABA routing number corresponds to your customer’s bank, is listed on the customer’s check, and is necessary for an eCheck transaction to successfully take place.