Taking Credit & Debit Card Payments with PayPros

Table of Contents

1. Payment Types1.1. Monthly/Semi-Monthly/Bi-Weekly/Weekly Payments1.2. Side Note Payments1.3. Net Payoff1.4. Deposits1.5. Down Payments & Cash Deals

2. Collecting Credit & Debit Card Information2.1. Collecting Credit Card Information2.2. Collecting Debit Card Information

3. Devices

1. Payment Types

Credit & debit card payments can be taken on cash deals, down payments, deposits, side notes, and on monthly/semi-monthly/bi-weekly/weekly payments.

In order to take credit or debit card payments you must first select “Credit Card” or “Debit Card” as the payment type which will start the process of collecting credit or debit card information. This section will show you the steps necessary to start the process for each of the five payment types. Following this section will be the step by step process of collecting the credit or debit card information.

1.1. Monthly/Semi-Monthly/Bi-Weekly/Weekly Payments

From "Take Payment" screen select "Take Payment"

From "New Payment” screen select "Credit Card" or “Debit Card” as the payment type

If you select “Credit Card” and the customer has a credit card set for recurring payments "Credit Card Type" and "Credit Card Number" fields will be populated with related data. If you select “Credit Card” and the customer DOES NOT have a credit card set for recurring payments "Credit Card Type" will be NONE and "Credit Card Number" will be blank.

1.2. Side Note Payments

From “Take Payment” screen select “Edit/Pay Side Note”

From “Edit / Pay Side Notes” screen select “Pay Side Note”

From “Pay Side Note for Customer” screen select “Credit Card” or “Debit Card” as the reference.

If you select “Credit Card” the fields for “Credit Card Type” and “Credit Card Number” will be displayed directly below the “Reference” field.

If you select “Credit Card” and the customer has a credit card set for recurring payments "Credit Card Type" and "Credit Card Number" fields will be populated with related data. If you select “Credit Card” and the customer DOES NOT have a credit card set for recurring payments "Credit Card Type" and "Credit Card Number" will be blank.

1.3. Net Payoff

From “Take Payment” screen select “Payments” then select “Net Payoff”

From “Record Payoff for Customer” screen select “Post the Payoff”

On the “Money Received” screen type in the amount you wish to post against the customer's credit or debit card in the “Credit/Debit Card” field and then select “Credit Card” or “Debit Card” from the “Card Type” drop-down.

1.4. Deposits

From the “New Deposit” screen fill in the appropriate customer information and deposit amount and click “Save”

On the “Money Received” screen type in the amount you wish to post against the customer's credit or debit card in the “Credit/Debit Card” field and then select “Credit Card” or “Debit Card” from the “Card Type” drop-down.

1.5. Down Payments & Cash Deals

Upon entering all appropriate information on the “Car Sale” screen and clicking “Save – Book Deal” you will be prompted with the “Money Received” screen.

On the “Money Received” screen type in the amount you wish to post against the customer's credit or debit card in the “Credit/Debit Card” field and then select “Credit Card” or “Debit Card” from the “Card Type” drop-down.

2. Collecting Credit & Debit Card Information

This section will discuss the step by step process of collecting credit and debit card information for taking payments for any of the five payment types from the previous section.

2.1 Collecting Credit Card Information

This subsection will discuss the step by step process of collecting credit card information.

Upon "tabbing out" of the “Payment Type” drop-down or clicking another active (non greyed out) field from one of the payment screens shown in section 1 the "Credit Card Entry" form will be displayed.

If the customer has a credit card set for recurring payments "Card Type" and "Card Number" fields will be populated with related data.If the customer DOES NOT have a credit card set for recurring payments "Card Type" will be blank and "Card Number" will be blank.

There is a prompt at the bottom of this screen (flashes yellow) with instructions on how to enter a credit card.

The top of this form has a drop down to specify the card reader attached to the workstation. We support the IPAD SC (signature capture), IPAD HID, IPAD KB, and

the Magtek Dynamag Keyboard Wedge.

If you are unsure of which card reader is attached to the computer you can click the next to the “Reader” drop-down, and it will help identify the attached card reader.

If you have either the IPAD SC (signature capture) or IPAD HID then you will be able to select “Swipe Card” or “Enter Card”. The “Enter Card” button will allow customers to use the numeric keypad on the card reader to enter his/her credit card information.

If you have the IPAD SC (signature capture) and “Card Present” is checked then the card reader will ask for a signature after swiping or entering the credit card. If the customer declines the signature, you will see this onscreen prompt.

Selecting “Yes” will ask the customer for his/her signature again. Selecting “No” will still allow you to run the customer's credit card without a signature. Selecting “Cancel” will not run the credit card and will return you to the “New Payment” screen.

Selecting “Locate Card On File” will display a list of previously used credit cards for this customer only.

If “Use For Recurring Payments” is checked the credit card will be mark for use for future recurring payments.

Upon selecting a previously used customer credit card, swiping a new credit card or entering a new credit card the “Card Number” and “Card Type” will display the related information. If you have the IPAD SC (signature capture) and you collected a signature then the customer's signature will be display in the “Signature” box.

To complete the credit card entry process click “Done”. This will not run the customer's credit card. The customer's credit card is not run until after clicking the appropriate save button from the previous payment screen.

If the customer's credit card is declined you will receive a message detailing the reason for the decline and the payment will not be saved. You can then try again or click the appropriate exit or cancel button to cancel the payment. If the customer's credit card payment is successful and you selected to not print a receipt then you will

get a message prompt with the approval code, otherwise the approval code will appear on the printed receipt.

2.2 Collecting Debit Card Information

In order to collect debit card payments you must have one of the three IPAD devices connected to your workstation.

If you have the IPAD KB you will see the following screen and the customer will need to select “PIN Debit” on the IPAD KB device and then follow the prompts on the IPAD KB screen. Once the customer has completed the process the program will attempt to process the customer's debit card.

If you have either the IPAD HID or IPAD SC (Signature Capture) the customer will see a prompt on the IPAD Device asking them to accept the amount of the payment and then will need to follow the prompts on the IPAD device screen. Once the customer has completed the process the program will attempt to process the customer's debit card.

If the customer's debit card is declined or the device fails to read the customer's debit card you will get a message prompt detailing the issue, and the payment will not be saved. You can then try again, cancel, or save as a pending deal.

3. Devices

There are four devices currently supported for taking payments using credit and debit cards. The Magtek Dynamag will only accept credit cards whereas the IPAD KB, IPAD HID, and IPAD SC (Signature Capture) will accept both credit and debit cards. The IPAD KB will have a screen showing “WELCOME” and options at the bottom of its screen for “Credit” and “PIN Debit”. The IPAD HID simply has a screen showing “WELCOME”. The IPAD SC (Signature Capture) has a screen showing “WELCOME” and has an attached stylus for capturing signatures.

Magtek Dynamag IPAD KB

IPAD HID IPAD SC (Signature Capture)