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Sterling Gateway & VT Application Processing - Boarding Guide

Sterling Gateway & VT – Boarding Guide

1/20/2014 Training & Development

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Overview

Sterling Gateway provides web-based processing and e-commerce capabilities to Merchants in need of an online

payment solution. Sterling Virtual Terminal (VT) is a web-based payment terminal which provides Merchants with

a fast, reliable and secure way to process credit card transactions in an easy-to-use online environment. Sterling VT

works in conjunction with the Sterling Gateway and replaces the traditional stand-alone payment terminal.

The Sterling Gateway and VT Boarding Guide, delivers instructions on how to execute tasks related to the Merchant

setup and boarding process and is intended for the following audiences:

Sterling’s Sales Account Executives (SAEs) - How to complete required paperwork in order to enroll a

Merchant into Sterling’s Gateway and/or Virtual Terminal programs.

Application Processing Representatives - How to properly setup and board a Merchant to SPOON.

Boarding Scenarios

There are two possible Merchant boarding and setups scenarios; New Merchant Setups and Existing Merchant

Setups. Existing Merchant Setups are Merchants who currently process with Sterling Payment Technologies and

wish to integrate their payment application (POS, website, etc.) to Sterling’s Gateway or those Merchants who wish

to add Sterling VT as a new terminal to their current account.

Boarding Process Flow Chart

Referral Partner contacts Sterling SAE with Sterling Gateway integration or VT

opportunity.

Sterling SAE submits MPA or Sterling Gateway/VT Setup

Form to RRM.

RRM reviews MPA or Setup Form for completeness and

Referral Partner's 50#.

RRM submits completed MPA or Setup Form to Application

Processing (AP).

AP keys MPA and creates MID or updates existing Merchant

Account in SPOON .

For new merchants, AP sends to Underwriting for approval. Upon

approval, boarding process is completed.

AP emails Product Development, notifying group a

Sterling Gateway/VT account has been boarded to SPOON.



New Merchant Setup – Direct Sales / RMM Process

There are two possible scenarios for new Merchant setups; Sterling Gateway Integrations and Sterling VT setup.

Sterling Gateway integrations are where a Merchant via their Reseller or Software Developer, wishes to integrate

their payment application to the Sterling Gateway in order to process transactions. The information below outlines

the setup process for both scenarios.

1. Sterling SAE receives a Sterling Gateway integration or VT referral opportunity from Referral Partner or the

Sterling SAE makes direct contact with a Merchant using a PC Software-based payment solution.

2. Sterling SAE to complete Merchant Processing Agreement (MPA) including the Equipment Set Up Information,

Pricing Schedule and Referral Partners sections.

a. For Sterling Gateway Integration Setups – The Equipment Setup Information section of the MPA must be

completed as follows:

Please Note: For the most up-to-date information, please refer to the Sterling Integrator VAR List on SNAP for PCI

compliance status, Software name, Version and App code.

MPA Fields Required Information

Communication Type Check High Speed.

Software Terminals / Cash Register

Select Sterling VT/Gateway.

Type List software name.

Version/App Code Supply software version number and application code of software.

Qty Indicate number of POS terminals.

VAR

Provide the name, e-mail and phone of the VAR who sold / installed the software.



b. For Sterling Virtual Terminal Setups – The Equipment Setup Information section of the MPA must be

completed as follows:

Please Note: Batch closure method will always be set to Terminal Capture (TSC) for Sterling Gateway and

VT accounts.

3. Sterling Gateway and VT Pricing - The Pricing Schedule section of the MPA must be completed as follows:

Pricing Schedule

Please Note: Sterling Gateway and Virtual Terminal setup, monthly and transaction fees are determined by

Sterling Payment Technologies and can be marked-up by a Sterling SAE or Sales Partner. The fees are passed

directly to the Merchants and will show on their month-end statements.


Communication Type

Check High Speed as the communication type.

Software Terminals / Cash Register

Select Sterling VT/Gateway.

Type Indicate Sterling VT as the type.

Version/App Code Indicate SPOT – Sterling as the version and app code.

Qty Supply the number of terminals.


Gateway/VT Check Sterling VT/Gateway.

Monthly Gateway Enter gateway fee assessed to merchant on a monthly basis.

Set-up Charge List one time setup fee for enrollment into program.

Transaction Fee Indicate per item fee assessed to merchant for each transaction.



4. If a Referral Partner / Reseller provided the sales lead which led to a new merchant account, then specify the

Referral Partner’s 5 0 number in the Referral Partner 1 field and the Sterling Integrator code (502468) in the

Referral Partner 2 field located on the bottom of page one of the MPA.

5. Sterling SAE to submit MPA to RRM group for review.

6. RMM group will review MPA and setup form for completeness and accuracy of Referral Partner’s 5 0 #. RMM

group will submit all paperwork to the Application Processing department for boarding.



Existing Merchant Setup – Direct Sales / RMM Process

For an Existing Merchant Setup, only the Sterling Gateway / VT Setup Form should be completed by a Sterling SAE.

1. Sterling SAE receives a Sterling Gateway integration or VT request via a Referral Partner or directly from an

existing Merchant.

2. Sterling SAE to complete Sterling Gateway / VT Setup form and its corresponding sections as follows:

3. Sterling SAE to submit MPA to RRM group for review.

4. RMM group will review MPA and setup form for completeness and accuracy of Referral Partner’s 5 0 #. RMM

group will submit all paperwork to the Application Processing department for boarding.

Section Required Information

Merchant Information

Provide Merchant’s DBA information, MID and contact email of the Administrator on the account.

Referral Partner

If the Merchant was referred to Sterling by a Referral Partner, then indicate the Referral Partner’s 5 0 #.

Equipment Setup

Select the desired gateway setup option and industry type of the Merchant. Also, indicate additional card types accepted and batch closure preference. If Auto Close, then indicate the scheduled upload time.

Integrator (VAR) Product

Provide the contact name and DBA name of the VAR who installed the software. Supply the Software’s name, Term Code and Version.

Fees

List applicable fees assessed to Merchant. Setup Fee - One time setup fee for enrollment into program.

Monthly Gateway Fee - Fees assessed to a merchant on a monthly basis.

Per Transaction Fee - Per item fee assessed to a merchant for each transaction.

Terms and Conditions

Complete the business information and have the merchant sign the agreement. Sterling SAE to sign agreement, as well.



Application Processing / Underwriting Process

1. Merchant Processing Agreement (MPA) or Gateway/VT Setup Form received from RRM group.

2. Scan documents and assign applicable Doc Type as the follows:

3. Create Merchant Account (MID) and begin the board process to SPOON as follows:

a. On the Terminal screen setup one Terminal (TID) as follows:

Terminal Screen Selection

Terminal Code If Sterling Gateway Integration setup, then select the Term Code (ex: PC-FuturePOS) from drop-down menu.

If Sterling VT setup, then select SPOT-Sterling.

Application Code Choose SPOT-Sterling as the Application Code for both Gateway & VT setups.

Communication Select Gateway as the Communication type.

Capture Indicate Term as the Capture type.

App Type Select either Retail, RetailTip, Restaurant, MOTO or eCommerce as the App Type.

Please Note: It is not necessary to order NetConnect for new Sterling Gateway / VT merchant accounts.

Form Doc Type

MPA Select Merchant Application as the Doc type.

Sterling Gateway / VT Setup Form

Select SPOT Issue as the Doc type.



b. On the Misc. Fee screen, select the Recurring tab and from the Fee Code drop-down menu select the

applicable fee codes as indicated on the MPA.

c. Enter appropriate program fees dollar amounts in the $Retail – Recurring field as indicated on the MPA and

Sterling Gateway / VT Setup Form.

Code Fee Description Fee

G_SPGatewy_Actv Gateway Setup Fee Refer to MPA / Setup Form – Pricing Schedule

G_SPGatewy_Mnth Gateway Monthly Fee Refer to MPA / Setup Form – Pricing Schedule

G_SPGatewy_Auth Gateway Trans Auth Fee Refer to MPA / Setup Form – Pricing Schedule

d. From the Frequency drop-down menu, select Monthly for all fees.

e. In the Fixed# field, enter a quantity of 1 (one).

4. Forward merchant account to Underwriting’s queue. If approved, Underwriting will send back to Application

Processing’s queue to complete the boarding process listed below in Step 5. If declined, Underwriting will

advise the Sterling Sales Account Executive.

Please Note: It is the responsibility of the RRM team to ensure waived fees were approved by management before

submitting the paperwork to the Apps Processing team. Upon receiving Sterling Gateway and VT paperwork with

the approved waived fees, the Apps Processing team is to select the appropriate fee code and enter $0.00 (zero) in

the $Retail field. The Strategic Programs department will validate if the waived fees were approved by

management the following day.



5. If approved, then the following values must be selected and entered to complete the automated boarding

process to the gateway for VT, OnCall Capture and Integrated products.

SPOON Screen Selection Comment

On the Credit Setup screen, in the Essentials section, select Open from the Status drop-down menu.

Required to initiate the boarding process.

On the Merchant Site screen, in the Email field, enter the Merchant’s email address as indicated on the MPA.

Required to send Welcome Letter to the owner of the account. This value is critical and will not board the record to the Sterling Gateway if missing.

On the Terminal Service screen, select Open from the Status drop-down menu.

Required to initiate the boarding process.

Please Note: The system sweep every 5-10 minutes boarding records once the above requirements have been

met.

6. Email the Product Development department at [email protected] (Attention: Patty

Brightbill and Debra Kurse) in order to notify the group a new Sterling Gateway / VT merchant account has

been boarded to SPOON.

7. Job complete in SPOON.

mailto:[email protected]

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