Copyright: ©2000 Multiactive Software Inc.
Citation: ©2000 Multiactive Software Inc. All rights reserved.


Using E-xact

ecBuilder Pro can use E-xact Transactions Ltd. as a payment processing company. In order to take advantage of the credit card processing capabilities provided by E-xact Transaction Ltd., you must obtain a Digital Certificate.

If you would like to use a payment gateway for online credit processing, you must also set up a Merchant Account with E-xact. For more information, visit http://www.e-xact.com to learn more about how their system works.

 Click here to find out how your Web site visitor sees an E-xact transaction.

The E-xact Payment Gateway allows for the pre-authorization, capture, and refund of funds to and from the consumer’s credit card.

Using E-xact Transactions as your credit card transaction processing company, you receive an e-mail file attachment that may also contain credit card pre-athorization information generated from your Web site. The consumer’s e-mail message will contain confirmation information from the merchant indicating the order has been received.

In addition to allowing merchants to view the order information received as an e-mail attachment, the ecOrderDesk component provides a direct interface to the E-xact payment processing server which enables the merchants to directly submit, capture, and refund requests to the E-xact Processing server after the order has been shipped.

You can manage your E-xact account at the E-xact Web site.


E-xact Settings Dialog Box

Use this dialog box to enter your E-xact payment processing information.

 Click here to read more about using E-xact as your payment processing gateway.

E-xact ID

Enter your E-xact ID number.

Password

Enter your E-xact password and re-type it a second time to confirm it.

Pre-authorize Payments

Check this box if you wish to perform a pre-authorization of payment when the customer orders an item. This selection allows the you to verify that the customer has a sufficient funds for merchandise when an order takes place. At a later time, you can perform a "Complete Pre-authorized Purchase" transaction to complete the transfer of funds.

If this box isn't checked, a "Authorized Purchase" transaction is used, in which the payment is authorized and funds are immediately transferred to the merchant's account.


E-xact from the Web Site Visitor's Perspective

If you set up your online catalog to use E-xact for credit card transaction processing, the result is a seamless integration of the credit card transaction into the visitor's Web experience. At the time that the visitor places an order, ecBuilder Pro collects the visitor's credit card information after the visitor enters his or her name and address.

ecBuilder Pro processes the order "behind the scenes". The order is automatically placed in the ecOrderDesk window and marked with the result of the credit card transaction—Payment Received, Payment Declined, Payment Preauthorized, etc..

The Visitor's Point of View

Knowing what your customers will experience when the make an order is important as you design your ecBuilder Pro catalog site. If you use E-xact for processing credit card transactions, here's what an average user will experience:

1.	The visitor enters the catalog and adds an item to his/her basket.

2.	When the visitor is ready to order, he/she clicks the link to the shopping basket.

3.	In the Shopping Basket page, the visitor reviews the items and clicks "Order Now". The order page appears.

4.	The visitor reviews the order and the information on server encryption and clicks "Continue".

5.	Your ecBuilder site collects the visitor's name and address.

6.	The visitor selects the option to pay by credit card and enters his/her card information on the same page.

7.	The visitor clicks Continue and ecBuilder Pro notifies the visitor that the transaction is complete.

Behind the Scenes

Behind the scenes, the ecBuilder Pro order page sends the visitor's credit card information to E-xact, which responds by sending the transaction record back to the server. The order and the results of the credit card transaction are automatically e-mailed to you (the merchant) for import into ecOrderDesk. As well, ecBuilder Pro generates a notification e-mail, which it sends to the customer.

For more information on E-xact and obtaining an E-xact account, see www.E-xact.com.


Working with the E-xact Web site

E-xact is one of the Transaction Payment Gateway Providers directly supported by ecBuilder Pro. The company specializes in real-time credit card processing system for Internet Merchants. The system is easy to use, scalable, and available on numerous different platforms. E-xact is approved by all Canadian banks for use by merchants throughout the world. With Member Accounts you can view detailed activities of your Merchant accounts on the Web using the product’s Point-of-Sale functionality.

Using the E-xact Merchant Administration Area

The E-xact merchant administration area is where all ecBuilder Pro users who are using E-xact Transactions Ltd. as their online credit card transaction processing company go to maintain their merchant accounts. Using an Internet browser to access this area, you, as a merchant, can query the E-xact Transaction server database to access all of their online transaction account information.

Logging Into the Merchant Administration Area

The merchant administration area is accessed by going to http://www.e-xact.com/ with your browser and clicking on “Members’ Login”. The site uses the SSL protocol to secure the Web pages and keep your account information private. The merchant area is also protected so that only people authorized to access a merchant account can access the computer where the database is located. When a merchant account is first set up with E-xact, a user name and password are also setup which will allow you to gain access to the administration area.

When a user first arrives at the merchant area they are presented with a login screen. By entering their e-mail address and password, a user can gain access to their account.

After Logging In

After a user has successfully logged in, the administration area changes to show a menu in the top frame, and the bottom frame will contain the account summary information for the previous day. Clicking on any one of the menu items in the top frame will bring up a new page in the bottom frame.

Deposit Queries

When a user clicks on the Deposit menu item a new page appears in the bottom frame. This page has several different options that allow you to display deposit information on transactions that have been processed. These features will be discussed individually in the next few sections.

Deposit Summary by Terminal

This is the default screen you will see when they click on the Deposit menu item. Displayed is a summary of all E-xact merchant account deposits for any calendar day.

Deposit Summary by Card Type

When selected, you will be able to view and print all of the deposit information for all completed transactions by the different credit card types for any calendar day.

Deposit Summary by Detail

When selected, this will allow the user to view and print the detailed deposit information for all completed transactions for any given calendar day. This view will allow you to view all of the different times of the transactions, the card holder’s names, the transaction authorization numbers, the amounts of the transaction, as well as the type of transaction that took place.

Statement Queries

When a user clicks on the Statement menu item a new page appears in the bottom frame. This page displays a complete account summary for your E-xact Transactions Ltd. account for the chosen time period. Included in this information is all account deposit information, all Charge Back and Adjustment transaction history, all of the associated transaction fees, as well as a balance for the account.

Search Queries

When a user clicks on the Search menu item a new page appears in the bottom frame. This page has several different options that allow you to display information on transactions that have been processed. These features will be discussed individually in the next few sections.

Searching By Date

Searching transactions by date can be useful, so that you can see how many transactions have been processed over a certain time period and the total dollar amount. To search over a specific time period, select the starting and ending dates and times using the drop down boxes. Make sure that there is at least one day between the ending date the starting date. Then click the Search button.

It is possible to combine searching by date and search by a credit cardholder’s name. To do this, enter the name that you would like to search for, and then select the starting and ending date and time. Then press the Search button. This will search for the specified cardholder’s name only for transactions that took place within the range of dates specified.

Searching By Transaction Type

You have the ability to search all transactions by their type: Purchase, Refund, Refund Correction, Purchase Correction, Pre-Authorization, and Pre-Authorization Completion.

Searching By Credit Card Type

You have the ability to search all transactions by the type of credit card used to make a purchase.

Searching By Amount Range

You have the ability to search all transactions that fall within any given price range. This can be particularly useful when combined with several other of the search criterion.

Searching By Authorization Number

Every E-xact transaction of any type has a unique identifier, called the E-xact Authorization number. It is always displayed on the E-xact Web page receipts that the consumers receive, the e-mail receipts the consumer receives, and all orders that you will receive by e-mail and import to ecOrderDesk. The Authorization number is made up of six numbers i.e. 894785. If a merchant wants to view the transaction details regarding a particular transaction, then it can be entered into Authorization Number field. Then you would press the Search button and the transaction will be displayed, if it exists.

Searching By Cardholder Name

Sometimes it can be necessary to search for transactions by a customer’s name. The Name field provides you with a way to search for full or partial names. For example, if you wanted to search for all transactions for a customer named John Smith, then you would simply type in the full name John Smith and press the Submit Query button. If you wanted to search for all people with the last name of Allan, then you would simple type the name Allan, and the computer would return a list all transactions with the name Allan, either as the first name or last name.