Is there a PC software based credit card swipe terminal solution available that will work with the an existing Payflow Pro account ? PayPal - Payflow Pro seems to indicate there is a way or likely someone has this done already.
So far I've only found that we are offered a 300 to $600 terminal plus $20 min for 2 year contract for an additional Nova merchant account.
var TC; function WME(XX){ var TITL = XX+' '; var TAB = ''+ ''+ TITL+ ''; if(TC != XX){document.write(TAB); TC = XX;}}
Answers to common questions regarding Card-Present Transactions Solution ID: vs15603 WME('Answer:'); Answer:
Why should I use VeriSign's Payflow Service instead of using my merchant banks card swipe terminal?
Many merchants choose to utilize the VeriSign gateway as the preferred method for processing card present (face-to-face) type transactions. Using the Payflow service to process this type of transaction has many benefits that help improve your operating efficiency. Such as:
What do I need to do in-order to accept card-present transactions?
In order to process card-present transactions and receive the card-present discount rates from your merchant bank, you must have a Payflow Pro account and utilize the Payflow Pro APIs along with a card reader to pass through the track 1 or track 2 data (the magnetic stripe information) from the credit card. Only Sale type transactions are considered card-present and will receive the best discount rate, all other transaction types will be downgraded. In addition to the normal fields passed to VeriSign during the approval process, the processing of card-present transactions requires only a simple addition to the name value pairs that you send. The additional variable name (name value pair) for card-present transactions is called "SWIPE".
This sample Sale transaction string shows the information that would be sent in a SWIPE transaction:
"TRXTYPE=S&TENDER=C&PARTNER=VeriSign&USER=SuperMerchant&PWD= SuperMerchant&SWIPE[39]=;4012000033330026=05121011000012345678?&AMT=21.00"
Note: Since the track data contains an equal sign which is considered a special character with VeriSign, you must follow the guidelines regarding the "length tag" that can be found in the Payflow Pro Developer's Guide under "Using Ampersand and Equal Sign Characters in Values".
Also, when sending the data to VeriSign only track 1 or track 2 data should be sent, not both. Send the track 1 data first, and if not possible (damaged), then send the track 2 data.
For more information on sending "swipe" data refer to Appendix A of the Payflow Pro Developer's Guide.
If you are interested in learning more about what data is encoded on the swipe portion of a credit card go to: http://www.howstuffworks.com/credit-card3.htm.
How do I know if my merchant account can accept card-present transactions?
PayPal is certified to process card-present transactions on the processing platforms. Verify with your merchant bank the processor your account is setup on.
VeriSign does not supply card swipe machines or any type of credit card supplies. Contact your merchant bank to obtain these products. You can not use a card swipe machine with your Payflow account since a card terminal (machine) is designed to work with a different type of processing network. However, you can use a card swipe reader attached to your computer.
WME('Goal:'); Goal:
Obtain a card swipe machine
WME('Goal:'); Perform card present transaction
WME('Goal:'); Enabling card present transactions using Payflow Pro
So far I've only found that we are offered a 300 to $600 terminal plus $20 min for 2 year contract for an additional Nova merchant account.
var TC; function WME(XX){ var TITL = XX+' '; var TAB = ''+ ''+ TITL+ ''; if(TC != XX){document.write(TAB); TC = XX;}}
Answers to common questions regarding Card-Present Transactions Solution ID: vs15603 WME('Answer:'); Answer: Why should I use VeriSign's Payflow Service instead of using my merchant banks card swipe terminal?
Many merchants choose to utilize the VeriSign gateway as the preferred method for processing card present (face-to-face) type transactions. Using the Payflow service to process this type of transaction has many benefits that help improve your operating efficiency. Such as:
- 1-3 second transaction "approval" means faster transactions and less time your customers need to wait.
- "Always on" processing connection. There is no wait time for the modem to dial-in.
- No need to pay for a redundant telephone line.
- Simple card swipe reader costs less than a dedicated card terminal (VeriFone, etc.).
- Transaction information and responses can be integrated within the point-of-sale (POS) application.
- Transactions captured in PayPal Manager.
What do I need to do in-order to accept card-present transactions?
In order to process card-present transactions and receive the card-present discount rates from your merchant bank, you must have a Payflow Pro account and utilize the Payflow Pro APIs along with a card reader to pass through the track 1 or track 2 data (the magnetic stripe information) from the credit card. Only Sale type transactions are considered card-present and will receive the best discount rate, all other transaction types will be downgraded. In addition to the normal fields passed to VeriSign during the approval process, the processing of card-present transactions requires only a simple addition to the name value pairs that you send. The additional variable name (name value pair) for card-present transactions is called "SWIPE".
This sample Sale transaction string shows the information that would be sent in a SWIPE transaction:
"TRXTYPE=S&TENDER=C&PARTNER=VeriSign&USER=SuperMerchant&PWD= SuperMerchant&SWIPE[39]=;4012000033330026=05121011000012345678?&AMT=21.00"
Note: Since the track data contains an equal sign which is considered a special character with VeriSign, you must follow the guidelines regarding the "length tag" that can be found in the Payflow Pro Developer's Guide under "Using Ampersand and Equal Sign Characters in Values".
Also, when sending the data to VeriSign only track 1 or track 2 data should be sent, not both. Send the track 1 data first, and if not possible (damaged), then send the track 2 data.
For more information on sending "swipe" data refer to Appendix A of the Payflow Pro Developer's Guide.
If you are interested in learning more about what data is encoded on the swipe portion of a credit card go to: http://www.howstuffworks.com/credit-card3.htm.
How do I know if my merchant account can accept card-present transactions?
PayPal is certified to process card-present transactions on the processing platforms. Verify with your merchant bank the processor your account is setup on.
- First Data Merchant Services (FDMS) Nashville
- First Data Merchant Services (FDMS) South
- Vital
- Paymentech
- Global Payments East
VeriSign does not supply card swipe machines or any type of credit card supplies. Contact your merchant bank to obtain these products. You can not use a card swipe machine with your Payflow account since a card terminal (machine) is designed to work with a different type of processing network. However, you can use a card swipe reader attached to your computer.
WME('Goal:'); Goal:
Obtain a card swipe machine
WME('Goal:'); Perform card present transaction
WME('Goal:'); Enabling card present transactions using Payflow Pro
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