Payment Processing > Screen Guides > Process Credit Card

Process Credit Card Screen

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About Sage Virtual Terminal

Processing a Credit Card Payment

Voiding a Credit Card Payment

Overview

Use the Process Credit Card screen to process or void credit card transactions.

Selecting a Card

If a default card exists in the customer record and uses a processing code with the same currency as the current transaction, that card is selected by default in the Card ID field when you open the Process Credit Card screen.

For transactions where the Card ID field is editable, you can:

If you select the Enter a Card for One-Time Use option, card details will not be stored in Sage Payment Solutions, and billing details will not be saved in the customer record.

Entering Billing Details

Enter billing details for the cardholder as they appear on the credit card. If you use Address Verification Service (AVS), the information in these fields (except the Comments field) is verified against the information on record for the cardholder when a transaction is processed.

The billing details you enter here may be different from the information in the Sage 300 customer record. For example, the customer may be using a company credit card, or may be authorized to use a card on behalf of the primary cardholder.

Important!

Do not record credit card details in the Comments field, including card number, expiration date, and CVV number. Storing details in this way can compromise credit card security and may constitute a violation of the Payment Card Industry Data Security Standard (PCI DSS).

If a security breach occurs, merchants that do not comply with PCI DSS may be subject to fines, card replacement costs, forensic audits, and other penalties.

Reviewing Transaction Totals

When you initiate a credit card payment from Accounts Receivable or Order Entry, totals for the transaction appear in the Totals group.

For some transactions, you can edit the amount in the Taxes field in order to comply with Level 2 processing requirements. When you edit this amount, the amount in the Subtotal field is calculated automatically by subtracting the taxes you entered from the transaction total.

Processing a Credit Card Transaction

After entering or reviewing billing details and totals for a transaction, you use the Sage Exchange form to process the transaction in Sage Payment Solutions.

To open the Sage Exchange form, click the button in the Credit Card Details area. (This button may be labeled Process Payment, Pre-authorize Payment, Void Pre-authorization, Void Sale, or Apply Credit, depending on the current transaction.)

Note:

When you capture (process payment for) a pre-authorized credit card payment, the amount captured can be different than the amount that was pre-authorized. For example, if a customer at a restaurant adds a tip, the amount captured will be greater than the amount that was pre-authorized.

You can capture a pre-authorization only once. After the capture, the pre-authorization is always released in full, regardless of whether the amount captured is equal to or less than the amount that was pre-authorized.

Reviewing Transaction Details

After a transaction is processed by Sage Payment Solutions, information about the transaction appears in the Transaction Details area, including the time the transaction was processed, an authorization code, and a short message indicating the status of the transaction.

You can use the authorization code to look up transaction details in Sage Payment Solutions Virtual Terminal. For more information, see About Sage Virtual Terminal.