Processing credit card payments using Merchant Account Service

▪	receive money

▪	receive payments

▪	sales (invoices and orders)

▪	sales returns and credits.

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

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.

5	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.

6	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.

▪	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 5 to complete the authorization.

▪	the authorization is declined, see ‘Declined authorization’ below

▪	the authorization is not responding, see ‘Timed-out authorization’

▪	you want to void the credit card payment, see ‘Voiding Merchant Account Service credit card payments’.

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

8	Click OK to close the transaction window.