Processing credit card payments using MYOB Merchant Account Service

You can process credit card payments for the following transaction types:

■	receive money

■	receive payments

■	sales (invoices and orders)

■	sales returns and credits.

With the MYOB Merchant Account Service, you can authorize your customers’ payments immediately by using the Automated Clearing House (ACH) to clear credit card transactions for payments.

If you do not use the card swipe feature, you can set your MYOB Business Service preferences to authorize and process credit card payments when you click Record (instead of Authorize). You can set this preference in the MYOB Business Services Setup window (from the Setup menu, choose Credit Card Processing and then Set Up Credit Card Processing).

Protection of customer credit card details

When you enter a credit card number for a new payment, enter credit card payment details in a card, or when you view or edit the payment details of recorded payments, only the last group of card digits will be visible in the credit card number field. The full card number details cannot be viewed again.

You can still edit the credit card number, but it will remain partially hidden and you will need to enter the full card number to edit the details.

This feature is designed tocomply with the Payment Card Industry (PCI) Data Security Standard (DSS), which aims to minimize the potential for security breaches.

Getting a phone authorization code

If you cannot access the Internet or require additional authorization, you can authorize payments by entering a phone authorization code.

To obtain a phone authorization code, call the Voice Authorization Center and provide your MYOB Merchant Account Service identification details. The Voice Activation Center contact details and your identification details were provided to you when your service application was approved.

To enter a credit card payment

1	Open the transaction window in which you’ll make the payment and enter the transaction details. For more information on entering details for:

■	receive money transactions, see Receiving money

■	receive payments transactions, see Receiving payments

■	sales transactions, see Entering sales

■	sales return and credits transactions, see Customer credits.

2	In the transaction window, select the customer’s credit card type from the Payment Method list.

3	Click Details to enter details about the payment. The Applied Payment Details window appears.

4	If you want to update the customer card with the details entered in this window, select the Update Customer Card with Payment Details option. This saves you having to enter the details each time you process a credit card payment for the customer.

note : Entering Cardholder Verification Value code (CVV2)

The CV V2 is a unique three-digit code printed on credit cards. If the purchaser cannot provide this number, the transaction may be fraudulent. For security reasons, your MYOB software does not save this number. You must enter it for each transaction.

Choose the card entry method

5	If you are entering the credit card details manually:

a	In the Card Entry Method field, select Manual.

b	Enter all the credit card details: card number, expiration date, name, and so on.

c	Continue from step 7.

6	If you use a credit card swiper:

a	In the Card Entry Method field, select Swipe.

b	Click Swipe Card. The following window appears.

c	Swipe the credit card.

The credit card information appears in the Applied Payment Details window.

7	Select your authorization type.

■	If you are authorizing a payment using the Internet, select Standard Sale from the Authorization Type list.

■	If you are authorizing a payment using the phone authorization option, select Phone/Force from the Authorization Type list and type the six-digit phone authorization code.

note : Entering an incorrect Phone Authorization Code

A charge may apply if you process a credit card payment with an incorrect phone authorization code.

8	Click Authorize. The credit card details are sent for authorization and a payment is recorded in your company file—regardless of the result of the credit card authorization.

When the credit card has been successfully authorized, the Applied Payment Details - Read Only window appears with the authorization details.

However, if:

■	additional authorization details are required (such as when credit card holders exceed their purchase limit), you need to contact the Voice Authorization Center to authorize a payment. Once you have contacted the authorization center, repeat from step 7 to complete the authorization.

■	the authorization is declined, see Declined authorization

■	the authorization is not responding, see Timed-out authorization

■	you want to void the credit card payment, see Voiding MYOB Merchant Account Service credit card payments.

9	Click OK to close the Applied Payment Details - Read Only window.

10	Click OK to close the transaction window.

Related topics

■	Declined authorization

■	Timed-out authorization

■	Voiding MYOB Merchant Account Service credit card payments