User guide

156 A/R–Accounts Receivable CC–Credit Card CCOF–Credit Card On File CV–Customer View
Overview
Credit card (
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CC) tender transactions require the use of Magnetic Swipe
Readers (MSR). Via the MSR attached to each workstation, SPOT
interacts with the payment processor via the Internet at the time of sale,
initiating a request for an authorization code.
CC COMMUNICATION MODES
SPOT has been specially designed to support communications with the
payment processing network:
•
InternetInternet
InternetInternet
Internet—This method provides almost instantaneous
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CC authori-
zations, in the order of 2-4 seconds per
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CC transaction. It requires a
persistent Internet connection (such as DSL, cable modem, etc.)
and the use of the SPOT Business Systems recommended payment
processor, Payment Processing Inc (PPI). Not all payment processors
offer this service, so SPOT Business Systems had to standardize to a
single provider.
CC ON FILE (CCOF)
The
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CCOF feature allows a credit card to be swiped and memorized
within a customer account. SPOT allows a high degree of automation by
coupling
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CCOFCCOF
CCOF and
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CC payment features to:
• Pay for normal order pickups or prepayments without the need to
swipe the
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CC at each order pickup transaction.
• Automate route payment drafting for all delivered orders.
• Automatically pay accounts receivable statements in full each
month.
When
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CC information is retained by SPOT in this manner for a cus-
tomer, swiping the
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CC for each subsequent transaction is unnecessary.
Declined or expired
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CCs appear on a SPOT denial report and the card is
automatically deactivated for subsequent charges until reactivated
under password controlled access.
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CC numbers saved in SPOT are
encrypted with only the last four digits exposed in human readable form
for security purposes.