Credit Card Processing Overview

To setup credit cards, you must enable a payment gateway, or tell Zoovy that you will be manually processing credit cards. For information on getting a merchant account, or applying for a payment gateway see the credit card guide in the guides section.
If you are using a terminal, or a non-compatible gateway then you will need to configure your Zoovy store to perform manual capture. With manual capture Zoovy will perform a simply mod-10 checksum on the card to ensure the card number is valid, and also that the expiration date is in the future. If necessary Zoovy can also capture the CVV/CID number as part of the checkout process.

Customers who intend to perform high volumes of transactions should absolutely plan on having a compatible gateway. For more information on setting up gateways please read: Payment Gateways [#50611]

Under manual credit card processing Zoovy will capture the cardholder information and credit card numbers, then the Merchant must use their terminal, or software or website provided with the Merchant Account and process the card as it was a manual or phone sale, after the card has been successfully charged then simply flag the sale as paid.

1) To find credit card information on the Zoovy web site click on Orders

2) Select the order you wish to access

3) Click payment status

4) There you will find the credit card number

5) Process the card using your own equipment or software

6) Now flag the order as Paid from that screen.

7) Exit and the order will show as Paid.

Note: Offline processors (manual processing) cannot accept CVV/CID - it is against visa/mastercard amex rules. The field may not be electronically stored or transmitted.

Enabling a gateway is easy. Here are the instructions regarding activating a merchant account and gateway with Zoovy.

1) Log in to your account at www.zoovy.com

2) Click on the setup tab.

3) Click on the payment link.

4) Click on the 'credit option'

5) By default, you will be presented with a list of credit processing options. Select the appropriate payment gateway and push save.

6) Set your credit card acceptance policy.

7) Check the boxes for the types of cards you have arranged to accept. Do not check types that are not supported with your merchant account. By default most merchant accounts only include Visa and MasterCard.

8) Unless otherwise desired, leave AVS, CVV/CID, and FVAR settings to their default.

9) Enter username and password supplied by your gateway

10) Press the save button. If you use a gateway the Payment CC Status field in the payment area shows the results of the transaction as sent from your credit card processor, this is typically only meaningful to developers or Zoovy technical support. But may from time to time provide additional details about why a specific transaction failed. This is a common list of questions and answers we receive regarding credit card processing though a variety of gateways. If this does not answer your question then please contact support at http://support.zoovy.com.

Credit Cards have their own special settings, which are specific to your gateway.
The Payment CC Status shows the results of the transaction as sent from your credit card processor, this is typically only meaningful to developers or Zoovy technical support.

CVVCID is an optional field, that certain processors use to determine the authenticity of a card. If you don't know what one is, suffice to say you probably don't need it to process credit cards!

Authorize:
If available the "Authorize" link is used to capture a previously authorized transaction. If you do not use delayed capture, then you should not need to use this feature unless you are attempting to re-processing a credit card which previously failed.

Reset Order to allow re-processing:
Zoovy has an internal block designed to prevent two employees in a company from accidentally re-processing an order. The "reset order to allow reprocessing" will effectively reset the flag that an order has been processed and allow you to process the order. Use this if you're receiving a message saying you need to reset the order to continue.

Remove all Credit Card status messages:
This is handy if you want to complete reset all status messages between Zoovy and gateway, effectively "reboot" the system and remove any corruption or errors which may have occurred in the order. If you do this, you will lose track of any reference codes which may have been previously issued, this could result in accidentally doublecharging a customer. Generally you should only use this option if you know what you're doing or you've been advised to by Zoovy technical support. If you do this, there is no undo button.

Transfer of funds
Orders are not paid, until they are flagged as paid. If you have opted to use delayed capture, then you should manually capture the payment and flag the order as paid before moving the order to completed. You can capture the payment by going into Orders, editing an order, and then selecting payment details.

You must check the appropriate box to the left of the credit card that you wish your gateway to accept. If the credit card isn't selected the gateway will not allow the payment to go through successfully, for that credit card.

Instant capture means that funds are both authorized, and captured at the time the order is placed. If you do not ship products within 24 hours of receiving an order then you should not use instant capture, and instead you must authorize a card for the amount and then perform a capture before the transaction is processed. For more information on how captures and authorizations work contact your merchant account provider.

If you want to give a partial refund or credit to a customer who was overcharged for his order. Depending on the type of capture which was performed and how much time has elapsed. In general you should credit the order, then change the amount to the correct amount, and recharge the order with the correct amount. If your gateway supports it, then you can go into your payment gateways administrative interface and change the amount then perform the capture and manually flag the sale as paid. (This assumes you have not already captured the sale). You may also be able to save merchant processing fees if you void the sale using the payment gateway interface instead of using Zoovy to credit the sale.

voiding a transaction can only happen during the same day a transaction was performed, before the transaction has settled. Voiding a transaction typically avoids the fees associated with performing a credit. Unfortunately most payment gateways require that you actually log in to perform a void, and do not support voids via their API's. You should check the documentation for your payment gateway to see if it supports voids via it's API or if that is a feature reserved for it's user interface.

AVS stands for Address Verification System. Whenever you perform a credit card Sale or Authorize Only transaction, the Gateway verifies the customer's address you entered on the Point of Sale page against the address that the card-issuing bank has on file for the customer. The AVS code tells you how well the two addresses match. If the transaction is approved, you will find the AVS Approval Code via your Gateway interface. The codes and available functionalities vary substantially between gateways.

About CVV: To help reduce fraud in the card-not-present environment, credit card companies have introduced a card code program. Visa calls this code Card Verification Value (CVV)--MasterCard calls it Card Validation Code (CVC)). The card code is a three- or four- digit security code that is printed on the back of cards. The number typically appears at the end of the signature panel. This helps validate that a genuine card is being used during a transaction, especially in situations like mail orders, telephone orders or Internet orders where the card is not present. All MasterCard cards, both credit and debit, were required to contain CVC2 by January 1, 1997; all Visa cards must contain CVV2 by January 1, 2001. By using the card code results along with the Address Verification Service (AVS), you can make more informed decisions about whether to accept transactions.