Add a merchant account

1. From Revenue, select Blackbaud Payment Service merchant accounts under Configuration. The Blackbaud Payment Service Merchant Accounts page appears.

2. Select Add. The Add a merchant account screen appears.

3. Under Merchant account details, enter a unique name and description to help identify the merchant account.

4. In the Gateway field, select the payment gateway available through the Blackbaud Payment Service to use to process transactions with the merchant account.

5. In the Process mode field, select the mode in which to use the merchant account with the selected gateway.

   • Live: To use the merchant account to process live transactions, select this option.

   • Test: To use the merchant account to test the connection with the gateway, select this option.

   • Demo: To use the merchant account for internal presentations only and not send data to the gateway, select this option.

6. To add the merchant account but not make it available for use, select Inactive.

7. To restrict use of the merchant account to specific sites at your organization, select the Sites to use the merchant account.

8. When your organization sets up an account with the payment gateway, you receive a user name and password for the account. In the Gateway ID and Password fields, enter the login credentials provided by the payment gateway for the merchant account.

   In the Confirm password field, enter the password received from the payment processor again.

9. In the Currency field, select the currency to use with the merchant account and selected gateway.

10. In the AVS Level field, select whether to use the Address Verification Service (AVS) with the merchant account and at what level. For example, you may select to use AVS to process Card Not Present transactions.

    Note: The AVS is fraud protection that verifies customer billing addresses submitted through online payment transactions. With AVS, the gateway issues a transaction to authorize the payment. In response, the gateway receives information about the payment, including whether the street address and Zip code are correct. Depending on the AVS level selected for the merchant account, the gateway uses this information to determine whether to accept the payment. The program performs this service only when the selected gateway supports AVS for the country of the transaction. For information about AVS support, contact your gateway.

    • Full: To accept transactions only when both the street address and Zip code match, select this option.

    • Medium: To accept transactions when either the street address or Zip code match, select this option. We recommend you select Medium.

    • Light: To deny transactions only when neither the street address nor the Zip code match, select this option. This level may accept transactions when either the street address or Zip code returns no response, regardless of whether the other criteria matches.

    • None: To perform no address verification, select this option.

11. In the CSC Level field, select whether to use Card Security Code (CSC) checks with the merchant account and at what level.

    Note: The CSC check is fraud protection that verifies the card security code, also called the Card Verification Value (CVV2). The CSC appears only on the credit card itself, and not on receipts or statements.

    • None: To perform no CSC check, select this option.

    • Full: To decline transactions when the CSC does not match or when the processor does not support CSC checks, select this option.

    • Light: To decline transactions only when the CSC does not match, select this option.

12. For a payment processor that supports Three-Domain Secure (3DS) authentication, select whether to use 3DS authentication for Card Not Present transactions.

    Note: The major credit card providers have developed 3DS as the authentication standard for online transactions. Examples of 3DS authentication include Verified by Visa and MasterCard SecureCode. 3DS authentication requires the cardholder to register the credit card through the card issuer’s website and specify credentials used to verify online transactions.

13. To process transactions with the merchant account, the credit card processing process sends a transmission file to the payment gateway by way of the Blackbaud Payment Service. To quickly process the transactions, the gateway divides the transactions from the transmission file into groups, or threads, to process simultaneously. Under Transaction processing wait configuration, set up the length of time a credit card processing process that uses the merchant account waits to check whether its transactions processed successfully. Enter the number of seconds to allow for each transaction in a thread and the number of transactions the gateway includes in a thread. The program uses these values to calculate the wait time for the credit card processing process.

    • When the process submits less transactions than entered in the Number of transactions per thread field, the program multiplies the actual number of transactions by the value in the Seconds to process record field.

    • When the process submits more transactions than entered in the Number of transactions per thread field, the program multiplies the actual number of transactions processed by the value entered in the Seconds to process record field.

    For information about the expected wait time or the number of transactions to include in a thread, consult your payment gateway. To use a default value, enter “0”.

14. On the Credit cards tab, the payment cards the selected gateway supports appears. In the Enable column, select the checkboxes for the credit cards to use with the merchant account.

    If the selected gateway uses multiple payment processors to authorize transactions, the Processor column appears. Select the payment processor to use to authorize transactions for each selected credit card type.

15. On the Additional fields tab, enter any additional information necessary to process transactions through the gateway. For information required for an additional field, contact the payment processor.

16. Select Save. You return to the Blackbaud Payment Service Merchant Accounts page.