Virtual

Terminal IPG
User Guide
 Contents
Overview 1
Home Page 2
Virtual Terminal 3
Reports 4
Administration 5
Customization 6
- Generate Payment URL 7
- Recurring Payment Information 9
- Cancellation/Return 10
- Manager Users 11
- Fraud Settings 12
- Set Options For Transaction 17
Notifications Via Email 17
Notifications For Expiring Customer Data 18
- Virtual Terminal 19
- Online Store Integration 21
Common tasks 25

2
Overview
Virtual Terminal is a payment tool in the
e-commerce business which offers security and
confidence in online transactions.
It works as a virtual point of sale terminal where credit and debit card
payments are allowed from web or mobile applications and makes it easier
for you to collect your sales via the internet.
The Virtual Terminal provides access to a central, secure location where you
can manage everything:
1. Related to transaction processing.
2. Run secure transactions yourself.
3. Set up your web site to run transactions.
4. Prevent fraud.
5. Review transaction reports.

1
 Home Page
When you log in the portal, the following Home
Page appears:

There you will find the basic information to access the submenus and
a summary of the operations carried out by the business, then a brief
explanation of the parts that compose it:

1. Main menu 2. Body

Where you will find the main Here you will find useful information
modules to perform different about the card sales you have made.
operations such as: The transaction table shows the
z Virtual Terminal operations of the last 6 months -
click on the order reference to view
z Reports
the details or sort them by pressing
z Administration the column headers.
z Customisation.

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Virtual Terminal
It offers functions in a similar way to terminals
commonly used at retail stores.
You simply enter the data needed for
the transaction and go. It can even
take care of recurring transactions
(e.g. if you sell subscription services,
for example).
The following are the submenus:

1. Order Information 4. Delivery information

The Order Information section which General customer information which
provides the ability to generate a will be used to make the shipment.
payment URL which you can send
5. Make Recurring (For Credit
to the customer; it has only one
Card Sale Transactions ONLY)
required field: the total amount of
The Recurring section allows
the order (including all taxes and
the merchants to create a Sale
shipping). Other fields in the section
transaction with Installments
are optional and can be used at
(If you sell subscription services,
your discretion.
for example).
2. Card
6. Comments
In this module the card with which
It is intended to let you enter
the transaction will be made will be
optional notes about the transaction.
registered. This is only available once
Comments are visible in your
the “Generate Payment URL” flag is
reports, so they can help you with
not selected.
transaction management once
3. Customer Details used effectively.
Module that allows us to capture the
General Customer Data.

3
 Reports
Use Reports to view your store’s transactions
from several different perspectives and to
perform some administrative tasks.
1. Dashboard 5. Transaction Summary
Shows information on card sales Shows a summary of approved
made including a table with declined AUTH and SALE
transactions for the last six transactions, and a summary
(6) months. of approved AUTH and SALE
transactions by card type.
2. Charts
Shows transactions in bar, pie, 6. Credit Card Batches
or line charts. Lets you view credit card batches
processed during a specified time.
3. Orders
Shows all successful orders by 7. Active Period Bills
specific time, credit card number Shows information about recurring
and time, order number, or user ID transactions and allows you to
and time. modify them.

4. Transactions 8. 3D Secure
Shows all transactions by time, Shows information about 3D secure
credit card number, order number, transactions (VISA or MasterCard)
User ID and time or by transaction which has been executed during a
type and time. specified time.

4
Administration
This section is where you can change your
password, set your fraud settings, manage
your users, or manage your transaction
notification settings.
To protect your account, we encourage you to log out of the Virtual Terminal
by clicking on the Logout link at the top right of the page when leaving
your computer. You will also be logged out automatically after a period
of inactivity.
The Virtual Terminal is available in the following languages:
z English z Italian
z Dutch z Portuguese
z French z Serbian
z German z Spanish.

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 Customization
Allows you to customize the content of your
Point of Sale (POS).
1. Virtual Terminal
Allows for the setting up of your virtual terminal, receipts, product catalogue
and inventory. The following are the configuration options which is
applicable to manual sales:
z Customize the content of your Virtual Terminal page.
z Customize Your Receipts.
z Manage your Product Catalogue.
z Manage your Inventory.

2. Online Store Integration

It allows you to customize the appearance of the Gateway and improve the
HT experience. The options to modify are listed.
a. Classic.
b. Combined Page.

Note: ONLY APPLICABLE TO BUSINESSES INTEGRATED WITH CONNECT

or PAYMENT URL.

Within the Online Store Integration option, the following options

are available:
z Define URLs for integration with your online store.
z Customize the design of your payment methods hosted on your website.
z Add static text to your payment methods hosted on your website.
z Add custom fields to your confirmation page.

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Customization Continued...

Generate Payment URL

The Payment URL functionality allows you to
provide a link to your customers (e.g., in an email
invoice, WhatsApp message, SMS, QR code, etc.)
If you have the Payment URL functionality enabled for your store, you will
find an option to select Generate Payment URL under the Order Information.
If the Generate Payment URL checkbox is selected, the Card section (Credit
Card, Direct Debit) and recurring sections will be hidden. You can then
complete the required information for the payment URL and continue the
transaction as usual.
Information required to generate Payment URL.
z Total Amount.
z Currency.

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 Customization Continued...

To generate the Payment URL

the following procedure must
be executed:
1. Select the Virtual Terminal menu.
2. Select Generate Payment URL.
3. E
 nter the Payment URL Expiry
Date and Time.
4. I ndicate order number and
amount receivable.
5. Fill in sections (optional):
- Information on deadlines
- Delivery Information
- Comments.
6. Press button continue.
7. Press Submit button.
8. I n the result of the transaction, you will get the generated URL, you just
have to select it and provide it to the cardholder.
9. The URL request stays valid based on the expiration date configured.

Note: We recommend that for the protection of your business and your
customers, you always have at hand the exchange and return policies
of your business, as well as the receipts of delivery of the products or
services that you market to your customers.

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Customization Continued...

Recurring Payment Information

The Make Recurring section allows the merchant
to create a Sale transaction with Installments.

To make a recurring payment:

1. Enter the Total Amount under the Order section.
2. Enter the customer card data.
3. Enter customer details.
4. Enable the “Make Recurring Flag”.
5. Decide how often you are going to Bill the Customer.
6. Enter when the recurring payment is going to start.
7. E
 nter how many payments to end by entering a number from 2 to 99 with
no decimal places and select “Submit”.
After the transaction has been processed, the recurring information appears
on Receipt and Transaction Details. In general, recurring payments are
supported for transaction types of Sale, PreAuth and PostAuth, but this
setting may vary according to the region.

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 Customization Continued...

Cancellation/Return
To make a return/cancellation it is necessary to
know the order number (ORDER ID).
This option only applies for transactions with approved status and amounts
greater than zero. The refund may be partial or for the total purchase.
1. Select the Virtual Terminal menu.
2. Select the Return option.
3. Locate the transaction to cancel.
4. Press the identified order number.
5. Enter the amount to be returned.
6. Press the Return Order option.
7. The result of the transaction will be confirmed at the end.

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Customization Continued...

Manager Users
1. Enter administration and select Add/Remove/Modify.
2. Select Add.
3. Enter the data of the new user: Name, Email, Password.
4. Select Continue.

5. Y ou can modify the permissions by pressing the Permissions option and

select reports and/or transactions: press Continue (currently the credit
option is not enabled).
6. Once the information has been updated press Continue.
 o enter the portal, you must enter newly created Storename, Username
7. T
and Password.

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 Customization Continued...

Fraud Settings
You can block purchase options that you
consider risky for your trade.
a) Add/change card numbers to block:
The first setting you will encounter when you bring up Fraud Settings is Block
Card. Here you can enter the credit card numbers that you do not wish to
allow to purchase at your store. If you have any credit card numbers already
on your blocked credit cards list, they will automatically appear in the select
box on the right side of the screen when you enter this page.

 nter the card number you wish to block in the Card # input box on the
1. E
left-hand side of the screen. If you do not know the credit card number,
you can use the Order Number of the transaction where the card has been
used instead.
 hen click the Add button. When you click the Add button, the change
2. T
is submitted to the payment gateway; payment gateway adds the card
number to your list of blocked card numbers then regenerates the page
with the new card number in the select box at the right side of the page.
3. I f this blocked card should be used to attempt to purchase anything at
your store, the transaction will be declined due to fraud.
4. Add as many card numbers as you like by repeating the same process.

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Customization Continued...

b) Add/change names to block:

Take care when blocking names from purchasing at your store. For the
name to be blocked, it must match exactly, character for character, space
for space. So, for example, if you block the name “John Redenbacher”
from your store, “Johnny Redenbacher”, “John Samuel Redenbacher” or
“John S. Redenbacher” would not be blocked. Also, because the integrated
fraud prevention system cannot distinguish between one “John Smith”
and another, you will block all persons with the same name as the person
you wish to block. However, you may still wish to block names from
purchasing at your store. To do so, navigate to the Block Names page
(select Administration on the Main Menu Bar, then on Add/change names to
block). If you have any names already on your blocked names list, they will
automatically appear in the select box on the right side of the screen when
you enter this page.

Adding a Name
To add a name to your blocked name list, follow these steps:
1. E
 nter the name in the Name 3. W
 hen you click the Add button,
input box on the left-hand side of the change is submitted to the
the screen. You can also use the payment gateway which adds
Order Number of the transaction the name to your list of blocked
with the customer to be names, then regenerates the page
blocked instead. with the new name in the select
2. Click the Add button. box at the right side of the page.

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 Customization Continued...

c) Block IP/Class C Addresses:

To add a domain name to your blocked domains list, follow the steps below:
1. E
 nter the domain name in the IP/Class C input box on the left-hand side
of the screen, then click the Add button. You must enter a domain invalid
domain name format (e.g., here.com, there.net, savetheworld.org,
universityX.edu).
2. Click the Add button.
3. W
 hen you click the Add >> button, the change is submitted to the
payment gateway which adds the domain to your list of blocked domains,
then regenerates the page with the new domain name in the select box
at the right side of the page. If an individual from this domain attempts to
purchase anything at your store, the transaction will be declined due
to fraud.
Add as many domain names as you like by repeating the same process.

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Customization Continued...

d) Set Maximum Purchase Amount:

You can choose to block transactions over a maximum purchase amount.
No orders over that amount will be approved.
1. Enter the maximum purchase limit for each currency in the box(es) below.
2. Then press the Submit button.

e) Set lock out times:

You can choose how long any automatically blocked transaction will
continue to be blocked from that card. The cardholder can then attempt
approval again when the lock out time has expired.
1. Enter the auto lock out time limit (in seconds) in the box below.
2. Then press the Submit button.

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 Customization Continued...

f) Set Duplicate lock out times:

You can choose how long a duplicate transaction will continue to be blocked.
No duplicate orders will be approved until the lock out time has expired.
1. Enter the duplicate lock out time limit (in seconds) in the box below.
2. Then press the Submit button.

g) View Fraud Settings:

You can view all your Fraud Settings
by selecting “View Fraud Settings”
under the Administration menu.

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Customization Continued...

Set Options For Transaction Notifications

Via Email
Allows setting options for transaction
notifications via email.
You can set up an email that receives notifications for each
transaction made.

1. Click Edit. 6. I f required, you can select the

2. Click Enable Notifications. option: View/Modify the individual
text that will be displayed in the
3. A
 dd the email you will
email for your customers.
receive notifications.
7. Click Save Changes.
4. Select a language.
5. Add trade name and mail.

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 Customization Continued...

Set Options For Transaction Notifications

For Expiring Customer Data
1. Enter the Email address of the customer.
2. Click on “Activate email notifications for expiring customer data”.
3. Enter the number of months in advance.
4. Select the language for the email.
5. Click on Submit.

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Customization Continued...

Virtual Terminal
a) Customise your Virtual Terminal page content
To modify the content of your Virtual Terminal Point of Sale (POS) you must
check or uncheck the boxes below (example):

Once this is completed, select Send and the virtual terminal page will display
the configured fields.

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 Customization Continued...

b) Customize
Receipt
Enter the header and
footer that will be
displayed on receipts
for transactions that
may be opened at
the Point of Sale or
Order Details.
At the end
Click Submit.

c) Product catalogue
Use this form to add items to the product catalogue or delete them.
These items can then be selected during the transaction entry.
At the end Click Add.

d) Manage Inventory
Use this form to update inventory information for your products.
At the end Click Save Changes.

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Customization Continued...

Online store integration

a) How to define my Online Store URL
1. Go to the customization menu.
2. Select the option: Customise Online store URL settings.
3. Input the data for the different option displays.
4. Save Changes.

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 Customization Continued...

b) How to customize my payment page

1. Go to the customization menu.
2. Select the option: Customise the design of your hosted payment forms.
3. Select the option Combined page.

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Customization Continued...

4. To add a custom logo, press the Logo option.

5. Y our logo can be added to the header and footer. In the right section it will
be possible to view the changes made.
6. Press the Select a file button.
7. Once you select the file in the folder press the Upload button.
8. At the end, the change will be displayed in the right section.
9. If you agree with the change, press the Save Style button at the bottom.

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 Customization Continued...

c) How to customize text for the hosted payment forms

You can add Static Text to your Hosted Payment Form for
different languages.
1. Under Customization
menu, select Add
static text to
your hosted
payment forms.
2. Select the language.
3. E
 nter the text you
want to display.
4. S
 elect Alignment -
Left, Right or Center.
5. Click on Submit.

d) How to add custom fields to your hosted

confirmation page?
 nder Customization menu, select Add custom fields to your hosted
1. U
confirmation page.
2. Enter the name of the field.
3. Enter the Caption – what you want it to display.
4. Select Viewable.
5. Select Add Field button.
6. Upon Completion, Select Submit button.

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Common Tasks
This section will explain in detail the processes
to follow for the different possible operations
within the Virtual terminal.

Note: It is important to mention the capture of information marked

in bold, as it is a required field for the system to allow you to continue
the process.
It is important to understand the terminology for processing
transactions so that you use the appropriate transaction type for your
orders and returns.

Sale
This is the most common transaction type which immediately charges a
customer ‘s card or bank account.

Authorize Only (Pre Auth)

A pre authorization transaction which reserves funds on a customer’s
credit card. Authorize Only does not charge the card until you perform a
complete (Ticket Only) transaction and/or confirm shipment of the order
(using an option available in Reports). Note that authorization reserves
funds for varying periods, depending on the issuing card company’s policy.
We strongly suggest that you confirm shipment as soon as possible
after authorization.

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 Common Tasks Continued...

Account authorization (Zero Value Auth)

A transaction with a zero-amount used to validate a Visa or MasterCard
card Completion (Ticket Only) – a post authorization transaction which
captures the funds from an Authorize Only transaction, reserving funds
on the customer ‘s card for the amount specified. Funds are transferred
when your batch of transactions is settled. If you enter a larger total in the
post authorization transaction than was specified for the Authorize Only
transaction, the post authorization transaction may be declined. If you
enter a smaller amount than was authorized, an adjustment is made to the
authorization to reserve only the smaller amount of funds on the customer ‘s
card for the transaction.

Forced Ticket
A forced post authorization. This transaction type is used in a similar way
to a Completion transaction, except it is specifically for authorizations
you obtained over the phone. It requires a reference number (or approval
code) that you should have received when you carried out the phone
authorization.

Return
Returns funds to a customer ‘s card against an existing order on the
payment gateway. To perform a return, you will need the order number
(which you can find in your Reports). If you perform a Return of the full order
amount, the order will appear in your Reports with a transaction amount to
perform a Return transaction. For this purpose, please use the Return page.

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Common Tasks Continued...

Credit
Returns funds to a customer ‘s card for orders from outside the
payment gateway. Use the credit page to perform a credit transaction.
Credit transactions are marked as Returns in your reports.

Void
Transaction checks can be voided before the batch of transactions is settled.

Payer Auth
This transaction type is required if you want to split the 3D Secure
authentication process from the payment transaction
(authorization) process.
No funds are transferred during any of these transactions. Funds are
transferred only after your batch of transactions is settled (this is set up to
occur automatically once a day).

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National Bank of Dominica Ltd.
64 Hillsborough Street (767) 255 2300
Roseau [email protected]
Commonwealth of Dominica www.nbdominica.com