__________________________________________________________________________________________

PayFuse 

User's Guide
__________________________________________________________________________________________

First National Merchant Solutions

1620 Dodge
Omaha, Nebraska 68197
(800) 228-2443 ext. 6751

Web: www.foomp.com
Email: [email protected]

Revision Date: August 6, 2004

 PayFuse User's Guide Revision 8/06/04

Contents
Welcome .....................................................................................................................................3

Objective of the User’s Guide.....................................................................................................3

Glossary of Account Navigation.................................................................................................3

System Requirements..................................................................................................................4

Registering for PayFuse..............................................................................................................4

Login and Navigation .................................................................................................................5

Orders (Transaction Processing).................................................................................................8

Reports ......................................................................................................................................13

ACH Processing........................................................................................................................18
CCD .................................................................................................................................................................18
PPD ..................................................................................................................................................................25
TEL ..................................................................................................................................................................32
WEB ................................................................................................................................................................39
Applied Programming Interface (API) Information .................................................................................46

Processing Credit and Void Transactions .................................................................................48

Processing a Credit Transaction Tied to an Order ....................................................................................48
Processing a Credit Transaction Not Tied to an Order ............................................................................51
Voiding a Transaction by Selecting an Order ...........................................................................................54
Voiding a Transaction by Entering an Order .............................................................................................57

Frequently Asked Questions .....................................................................................................60

Glossary ....................................................................................................................................63

Trademark Notices
PayFuse, its logotype and the name First National Merchant Solutions are service marks of SPC, Inc. d/b/a First National
Merchant Solutions. Other trade and service marks in this document are properties of their owners. No part of this
publication may be reproduced, introduced to, or stored in a retrieval system, nor transmitted in any form or by any means
(electronic, mechanical, photographic, audio, or otherwise) without prior written permission from First National Merchant
Solutions.

The above notwithstanding, permission is granted to reproduce and distribute this document on a nonexclusive, royalty-free
basis, provided: (i) this copyrights notice and the beginning paragraphs are prominently displayed at the beginning of each
copy, and (ii) this document is accurately reproduced in full, complete form with formal attribution of the document to First
National Merchant Solutions.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 2
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Welcome
Thank you choosing to process payment transactions through PayFuse, First National
Merchant Solutions all-in-one Internet payment gateway that ensures transactions are
processed securely and quickly. From the time your customer submits a transaction to the
time that transaction is settled, everything is handled at First National Merchant Solutions.

Objective of the User’s Guide

The PayFuse User’s Guide provides quick step-by-step information for accessing and using
your PayFuse account. New PayFuse merchants are most interested in two aspects: 1)
generating transactions (for example, authorizations and credits) and 2) viewing reports. The
document will cover how to navigate through PayFuse, how to input transaction data into
PayFuse and how to generate reports from PayFuse. Advanced competency will develop
with continued usage.

This document does not contain all the rules and regulations that govern payment
transactions. For that information refer to your merchant agreement for credit card
processing and the ACH User’s Guide for ACH payment processing.

If you have any questions not answered by this document or other documents, contact your
First National Merchant Solutions representative for assistance or contact customer service:

Customer Service
First National Merchant Solutions
1620 Dodge
Omaha, NE 68197
Telephone: 800-228-2443
Email: [email protected]

Glossary of Account Navigation

1. Orders - Describes functionality associated with generating and maintaining transactions,
including using the Internet Virtual Terminal (IVT) for processing authorizations and
credits.
2. Reports – Generate reports for viewing and executing transactions and orders.
3. Risk Management – Create and manage rules that let you build a customized fraud
protection system (not covered).
4. Administration - Allows you to administer users and configure store parameters (not
covered).

NOTE: The store administration should be used with caution, as any changes to these parameters
may cause transaction processing to fail.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 3
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

System Requirements
Minimum Requirements

PC Requirements:
486 processor or higher
16 MB of RAM or higher

Web Browser Requirements:

MS IE 5.5 SP2 with 128-bit RC4 encryption on Microsoft Windows
MS IE 6.0 on Microsoft Windows
Netscape 6.2.X and 7.0 on HP-UX, Sun Solaris, or Microsoft Windows

Recommended Requirements

PC Recommendations:
Pentium III processor or higher
32 MB of RAM or higher

Browser Recommendations:
MS IE 6.0 on Microsoft Windows

Registering for PayFuse

To sign up for PayFuse you only need to follow these two easy steps.

1. Registering a Merchant Account. If you do not have a merchant account, please

contact either your First National Merchant Solutions representative, or email us at
[email protected]. Once you have registered with a First National representative,
you may receive several emails (depending on your configuration), and you will receive
a letter via U.S. Mail within 10 business days.

2. Authentication Information. The letter will contain your User ID, Password, Client
ID, and URL for accessing your account on PayFuse. Using this information, login to
your PayFuse account and you can begin processing transactions online.

To sign up for PayFuse with ACH you only need to do the following additional step.

3. Processing ACH Transactions. If you are interested in processing ACH payments on

PayFuse, please contact either your First National Merchant Solutions representative, or
email us at [email protected] to complete the ACH amendment. ACH processing
must be turned on at First National Merchant Solutions. After the signed amendment is
approved, ACH processing will be available.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 4
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Login and Navigation

Objective: Learn how to log into PayFuse and familiarize the user with navigation within
PayFuse.

1. Once you have obtained the authentication information via mail or from a First National
representative, log into your PayFuse account at the following secure URL:

https://www.payfuse.com/cgi-bin/clearcommerce_engine.exe/<ClientID>

Save this URL reference to your favorites in your web browser for easy future access.

The Client ID is a unique integer identifier associated with the User ID and Password,
which is appended to the end of the URL above. Alternatively, an alias (a unique string
identifier) may be provided to you and may be used in place of the Client ID.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 5
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

2. Input your User ID and Password and select the Login button. The Store
Administration tool will be displayed.

This window allows the user to navigate the PayFuse account between four major
categories. Read the text description in the window to familiarize yourself with each
category. Press the Help hypertext in the upper right-hand corner on any window to
display the online help system. Likewise, press the Sign Off hypertext in the upper right-
hand corner to logout of your PayFuse session.

1. Orders - Describes functionality associated with generating and maintaining transactions,

including using the Internet Virtual Terminal (IVT) for processing authorizations, voids,
credits, and many other transactions. Use reporting mechanisms to view lists of
transactions and operate on more or more of those transactions.
2. Reports – Generate reports for viewing transactions and orders.
3. Risk Management – Create and manage rules that let you build a customized fraud
protection system.
4. Administration - Allows the user to administer users and configure store parameters.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 6
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

NOTE: The store administration should be used with caution, as any changes to these parameters
may cause transaction processing to fail.

NOTE: You should always log out of your session if you are going to be away from your terminal
and close your web browser. This is strongly recommended in order to prevent unauthorized
users from accessing and or compromising consumer sensitive data.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 7
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Orders (Transaction Processing)

Objective: Learn the basic functionality associated with the Orders hypertext link, including
processing transactions.

Once logged in, you will see the different hypertext links labeled in a caption at the top of the
page. Select the Orders hyperlink to access the Point of Sale (POS), also known as the
Internet Virtual Terminal (IVT).

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 8
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Select the Point of Sale hypertext on the left-hand side of the window. The POS (a.k.a. the
IVT) is displayed.

Processing Credit Card Transactions

In summary, this window can process any type of transaction described by the drop-down list
associated with Transaction Type. Depending on the transaction type selected, the contents
of the window will change. Those fields marked with ‘*’ are required fields. For example,
to generate an authorization, use the PreAuth or Auth transaction types. These transactions
require the credit card number, the expiration date associated with the credit card, and the
total requested for authorization. Additional information is optional. (NOTE: Refer to the
Glossary at the end of this guide for definitions and differences between PreAuth and Auth
transactions).

The Processing Mode will default to Production, which means the transaction is live. If the
processing mode is Approved, Declined, Random, or Test, then the transaction is executed
in a test mode and the transaction is not actually processed through the payment vendor. For
production transactions, PayFuse is utilizing Vital as the third-party transaction processor for
authorization and First National for settlement.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 9
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Billing Information is required (specifically, the numeric portion of the street address, and
the zip) for AVS checking.

Finally, Periodic Billing Information can be input into PayFuse to process recurring
payments on a subscription or installment basis; i.e. PayFuse can automatically generate
authorization requests on a periodic basis.

Example: Generating an Authorization

From the POS, input the following data:

Activity = Credit Card transaction

Transaction Type = Auth
Card Number = 4242424242424242 (This credit card # will pass the Mod10 check)
Expiration Date = 01/2004
Amount = 1.25
Processing Mode = Approved

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 10
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Your input will appear as follows:

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 11
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Select the Process Transaction button. A ‘Point of Sale – Receipt’ window will appear.

If the Order ID and Group ID are not input into the POS, PayFuse will generate unique IDs,
respectively. In this example, the processing mode is Approved, which indicates that the
resulting Authorization Code is simply a PayFuse generated test result.
Settlement Processing
The default mode for processing settlement is to settle all captured transactions on a daily
basis at 11:00 PM CST. Setting the time for daily, automatic settlement to occur is a store
administration function located under the Administration hypertext (see page 63 of the Store
Administration Guide for more information). Settlement can be executed manually by
utilizing the Settlement transaction for the Activity type within the POS. However,
utilizing this manual transaction will batch up all existing captured transactions and only
mark them as bulk ready.

NOTE: First National batches up ALL bulk ready transactions for ALL existing merchants at 3:00
AM Central Time on a daily basis and submits this batch settlement file for processing; i.e. this
architecture allows the merchant to ONLY mark batches manually, but no batches are physically
processed until 3:00 AM Central Time.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 12
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Reports
Objective: Learn the navigation features associated with Reports and how to derive report
results and execute some operational features on those results.

The most useful types of PayFuse reporting revolve around the ability to query orders and
transactions by date range. Likewise, the user has the ability to execute transactions from
query results.

1. Reporting by Orders. Once logged in, select the Orders hypertext link. The following
window will be displayed:

For immediate results from ‘canned’ report queries, select the This Month or Unshipped
hypertext on the left-hand side of the window to view orders associated with the current
month, or only those unshipped orders for the current month, respectively.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 13
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

To generate search criteria associated with orders, select the Orders hypertext on the left-
hand side of the window. The following window will be displayed:

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 14
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Select the desired search criteria and select the Search button. The following window
describes an example of what a report may yield by inputting Order Search Criteria:

Note the check boxes marked Ship and Credit in the left-hand columns of the results.
By simply clicking on any of those check boxes and utilizing the Operations hypertext
on the left-hand side of the window, a user may execute a transaction without returning to
the Point of Sale. Any orders that only have authorizations may be marked as shipped,
and the Ship orders hypertext may be checked to issue a PostAuth transaction for the
selected order. Any orders that have both authorization and capture and are ready for
settlement, may be credited by checking the desired orders and selecting the Credit
orders hypertext. (See Processing Credit or Void Transactions on page 48 for additional
information.) Note the Order IDs within the report. Underlined values within the user
interface are hypertext for drilling down on more detailed information. Therefore,
clicking on an Order ID will yield detail information associated with that order.

The Current Batch report simply displays all transactions that are marked as ready for
settlement.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 15
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

2. Reporting by Transactions. Once logged in, select the Reports hypertext link to
generate reports associated with orders or to generate reports associated by transaction
ID. For immediate results from ‘canned’ report queries, select This Month on the right-
hand side of the window to view transactions associated with the current month. To
generate search criteria associated with orders, select the Transactions hypertext link.
(NOTE: The user may also select reports based on Order ID as in the previous
discussion, but the user will NOT be able to operate on any of those transactions through
the Reports mechanism as was the case via the Orders hyperlink).

Search criteria for transactions can also be input in a similar manner as it is input for
searching for orders. To accomplish this, press the Transactions hypertext link on the
left-hand side of the window. The following window will be displayed:

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 16
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Select the desired search criteria and select the Search button. The following window
describes what a report may yield by inputting Transaction Search Criteria:

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 17
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

ACH Processing
Objective: Learn the basic functionality associated with processing an ACH transaction.
PayFuse will currently process the following four SEC Codes: CCD, PPD, TEL, WEB.

This document contains a section for each SEC code and a section that contains the API
information for all of the SEC codes. See the ACH User’s Guide for additional information
on processing an ACH transaction from start to finish, ACH reporting through First
Information Center (FIC), a description of the SEC codes and SEC code guidelines. ACH
reporting is provided through First InfoCenter (FIC). See the First InfoCenter User’s
Training Guide for additional information on how to access and navigate within First
InfoCenter, prompted reports, and download and print features.

SEC Code Information

CCD

This section relates specifically to processing for Automated Clearing House (ACH) cash
concentration or disbursement (CCD) transactions, consistent with National Automated
Clearing House Association (NACHA) Operating Rules.

1. From the PayFuse main page, click on Orders to process an ACH transaction.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 18
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

2. From the Orders page, click on "Point of Sale".

3. At the PayFuse Point of Sale page, go to the Activity Field and click on “Check
transaction”.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 19
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

NOTE: The POS screen references an ACH transaction as “check transaction” in the activity pull
down menu, and “check” as the payment mechanism on the transactions report selection screen. If the
“Check transactions” option is not available, ACH processing has not been established at First
National Merchant Solutions. Contact your sales representative to complete an ACH amendment.

4. Choose the appropriate transaction type:

Select "Auth" for a sale/debit.

NOTE: To process ACH transactions consistent with National Automated Clearing

House (NACHA) Operating Rules, the "Credit" option may be selected to "reimburse" or
"repay" a customer if the original transaction was a "debit" to the customer. To process a
credit transaction see Processing a Credit or Void Transaction starting on page 48.

The "Void" option may be selected to prevent sending a transaction to the Federal
Reserve Bank. The "Void" option can only be selected on the same day of the original
transaction and will cancel the transaction. To process a void transaction see Processing
a Credit or Void Transaction starting on page 48.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 20
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

5. Scrolling down the Point of Sale screen, Transaction Information can be entered. Only
the fields indicated with arrows are required for ACH processing.

a. Routing Number.

The Routing Number is a bank's nine-digit bank identification number. Enter the
Routing Number.

Routing Numbers may be verified at:

http://www.fededirectory.frb.org/search_ACH.cfm

b. Bank Account Number.

The Bank Account Number is the customer’s account number used for payment.
The Bank Account Number can be up to 17 digits long. Enter the customer's Bank
Account Number.

c. Account Type.

The Account Type is the type of account used for payment. Select either Checking,
Savings or General Ledger. A general ledger entry may be initiated when it impacts
the general ledger of a financial institution, not to be confused with the general ledger
of a business.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 21
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

d. Check Type.

Check Type refers to the type of check presented for payment. The CCD SEC code
only allows COMPANY accounts. Select COMPANY.

e. Entry Class.

The Entry Class is the method of entry of the transaction. The CCD SEC code only
allows the Business to Business option. From the drop-down menu, select the
Business to Business option.

f. Total.

Total refers to the total amount of the transaction. Enter the total amount of the
transaction in dollars and with cents, using a decimal point. Example: 125.38

g. Processing Mode.

Proceessing Mode refers to the mode in which transactions are processed.

Regarding ACH transactions, the Processing Mode must be set to "Production".
Select "Production".

Other optional, but recommended, data elements for ACH processing are:

h. Group ID (optional)

The Group ID is a unique identifier associated with a group of transactions. The

Group ID can be up to 36 characters. If a Group ID is not assigned, processing
defaults to the Order ID. Enter the Group ID.

i. Order ID (optional)

The Order ID is a unique identifier for the transaction. If an Order ID is not

assigned, a unique 36-character Order ID is automatically generated. Enter the Order
ID.

j. Email Address.

Email Address refers to an electronic mail address at which the purchaser can be
reached for any questions concerning the order. Type in the purchaser's email
address.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 22
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

6. Billing Information

The only Billing Information required to process ACH cash concentration or

disbursement (CCD) transactions is the Company field.

The National Automated Clearing House Association (NACHA) Operating Rules only
allow business transactions for ACH cash concentration or disbursement (CCD)
transactions. Consumer transactions are not permitted.

a. Company

Company refers to the company name of the account holder. Enter the company
name of the account holder.

NOTE: Transactions conducted in PayFuse are archived every seven months, rendering all
transaction information unavailable. Therefore, it is strongly recommended that clients not use
PayFuse as a customer database.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 23
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

7. Periodic Billing

If the transaction is an installment or recurring payment transaction, press the Periodic

Order radio button from the Point of Sale screen. Then indicate the payment frequency
and total number of payments, not to exceed 999.

8. Process Transaction

Once the required data has been entered on the PayFuse Point of Sale page, process the
transaction by clicking the "Process Transaction" button.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 24
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

PPD

This section relates specifically to processing for Automated Clearing House (ACH)
prearranged payment and deposit entry (PPD) transactions, consistent with National
Automated Clearing House Association (NACHA) Operating Rules.

1. From the PayFuse main page, click on Orders to process an ACH transaction.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 25
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

2. From the Orders page, click on "Point of Sale".

3. At the PayFuse Point of Sale page, go to the Activity Field and click on “Check
transaction”.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 26
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

NOTE: The POS screen references an ACH transaction as “check transaction” in the activity pull
down menu, and “check” as the payment mechanism on the transactions report selection screen. If the
“Check transactions” option is not available, ACH processing has not been established at First
National Merchant Solutions. Contact your sales representative to complete an ACH amendment.

4. Choose the appropriate transaction type:

Select "Auth" for a sale/debit.

NOTE: To process ACH transactions consistent with National Automated Clearing

House (NACHA) Operating Rules, the "Credit" option may be selected to "reimburse" or
"repay" a customer if the original transaction was a "debit" to the customer. To process a
credit transaction see Processing a Credit or Void Transaction starting on page 48.

The "Void" option may be selected to prevent sending a transaction to the Federal
Reserve Bank. The "Void" option can only be selected on the same day of the original
transaction and will cancel the transaction. To process a void transaction see Processing
a Credit or Void Transaction starting on page 48.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 27
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

5. Scrolling down the Point of Sale screen, Transaction Information can be entered. Only
the fields indicated with arrows are required for ACH processing.

a. Routing Number.

The Routing Number is a bank's nine-digit bank identification number. Enter the
Routing Number.

Routing Numbers may be verified at:

http://www.fededirectory.frb.org/search_ACH.cfm

b. Bank Account Number.

The Bank Account Number is the customer’s account number used for payment.
The Bank Account Number can be up to 17 digits long. Enter the customer's Bank
Account Number.

c. Account Type.

The Account Type is the type of account used for payment. Select either Checking
or Savings. NOTE: General Ledger is not an option for PPD transactions.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 28
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

d. Check Type.

Check Type refers to the type of check presented for payment. The PPD SEC code
only allows PERSONAL accounts. Business to Business is not allowed. Select
PERSONAL.

e. Entry Class.

The Entry Class is the method of entry of the transaction. The PPD SEC code only
allows the Business to Individual option. From the drop-down menu, select the
Business to Individual option.

f. Total.

Total refers to the total amount of the transaction. Enter the total amount of the
transaction in dollars and with cents, using a decimal point. Example: 125.38
g. Processing Mode.

Proceessing Mode refers to the mode in which transactions are processed.

Regarding ACH transactions, the Processing Mode must be set to "Production".
Select "Production".
Other optional, but recommended, data elements for ACH processing include:

h. Group ID (optional)

The Group ID is a unique identifier associated with a group of transactions. The

Group ID can be up to 36 characters. If a Group ID is not assigned, processing
defaults to the Order ID. Enter the Group ID.

i. Order ID (optional)

The Order ID is a unique identifier for the transaction. If an Order ID is not

assigned, a unique 36-character Order ID is automatically generated. Enter the Order
ID.

j. Email Address.

Email Address refers to an electronic mail address at which the purchaser can be
reached for any questions concerning the order. Type in the purchaser's email
address.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 29
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

6. Billing Information
The only Billing Information required to process ACH prearranged payment deposit
entry (PPD) transactions are the First Name and Last Name fields.
The National Automated Clearing House Association (NACHA) Operating Rules only
allow consumer transactions for ACH prearranged payment deposit entry (PPD)
transactions. Business transactions are not permitted.

a. First Name

First Name refers to the first name of the account holder. Enter the first name of the
account holder.

b. Last Name
Last Name refers to the last name of the account holder. Enter the last name of the
account holder.

c. Do not use the Company Name field.

NOTE: Transactions conducted in PayFuse are archived every seven months, rendering all
transaction information unavailable. Therefore, it is strongly recommended that clients not use
PayFuse as a customer database.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 30
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

7. Periodic Billing

If the transaction is an installment or recurring payment transaction, press the Periodic

Order radio button from the Point of Sale screen. Then indicate the payment frequency
and total number of payments, not to exceed 999.

8. Process Transaction

Once the required data has been entered on the PayFuse Point of Sale page, process the
transaction by clicking the "Process Transaction" button.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 31
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

TEL

This section relates specifically to processing for Automated Clearing House (ACH)
telephone-initiated entry (TEL) transactions, consistent with National Automated Clearing
House Association (NACHA) Operating Rules.

1. From the PayFuse main page, click on Orders to process an ACH transaction.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 32
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

2. From the Orders page, click on "Point of Sale".

3. At the PayFuse Point of Sale page, go to the Activity Field and click on “Check
transaction”.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 33
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

NOTE: The POS screen references an ACH transaction as “check transaction” in the activity pull
down menu, and “check” as the payment mechanism on the transactions report selection screen. If the
“Check transactions” option is not available, ACH processing has not been established at First
National Merchant Solutions. Contact your sales representative to complete an ACH amendment.

4. Choose the appropriate transaction type:

Select "Auth" for a sale/debit.

NOTE: Certain SEC Codes do not allow "credits" to be issued. That is the case with the
TEL code. In this instance, the SEC Code PPD (indicated as Business to Individual on
the POS screen) should be used and the "credit" can then be issued. To process a credit
transaction see Processing a Credit or Void Transaction starting on page 48.

The "Void" option may be selected to prevent sending a transaction to the Federal
Reserve Bank. The "Void" option can only be selected on the same day of the original
transaction and will cancel the transaction. To process a void transaction see Processing
a Credit or Void Transaction starting on page 48.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 34
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

5. Scrolling down the Point of Sale screen, Transaction Information can be entered. Only
the fields indicated with arrows are required for ACH processing.

a. Routing Number.

The Routing Number is a bank's nine-digit bank identification number. Enter the
Routing Number.

Routing Numbers may be verified at:

http://www.fededirectory.frb.org/search_ACH.cfm

b. Bank Account Number.

The Bank Account Number is the customer’s account number used for payment.
The Bank Account Number can be up to 17 digits long. Enter the customer's Bank
Account Number.

c. Account Type.

The Account Type is the type of account used for payment. Select either Checking
or Savings. NOTE: General Ledger is not an option for transactions conducted via
the Internet.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 35
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

d. Check Type.

Check Type refers to the type of check presented for payment. The TEL SEC code
only allows PERSONAL accounts. Business to Business is not allowed. Select
PERSONAL.

e. Entry Class.

The Entry Class is the method of entry of the transaction. The TEL SEC code only
allows the Telephone option. From the drop-down menu, select the Telephone
option.

f. Total.

Total refers to the total amount of the transaction. Enter the total amount of the
transaction in dollars and with cents, using a decimal point. Example: 125.38

g. Processing Mode.

Proceessing Mode refers to the mode in which transactions are processed.

Regarding ACH transactions, the Processing Mode must be set to "Production".
Select "Production".

Other optional, but recommended, data elements for ACH processing include:

h. Group ID (optional)

The Group ID is a unique identifier associated with a group of transactions. The

Group ID can be up to 36 characters. If a Group ID is not assigned, processing
defaults to the Order ID. Enter the Group ID.

i. Order ID (optional)

The Order ID is a unique identifier for the transaction. If an Order ID is not

assigned, a unique 36-character Order ID is automatically generated. Enter the Order
ID.

j. Email Address.

Email Address refers to an electronic mail address at which the purchaser can be
reached for any questions concerning the order. Type in the purchaser's email
address.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 36
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

6. Billing Information
The only Billing Information required to process an ACH telephone transaction are the
First Name and Last Name fields.
NOTE: The National Automated Clearing House Association (NACHA) Operating
Rules only allows consumer transactions for ACH TEL transactions. Business
transactions are not permitted.

a. First Name
First Name refers to the first name of the account holder. Enter the first name of the
account holder.

b. Last Name

Last Name refers to the last name of the account holder. Enter the last name of the
account holder.

c. Do not use the Company Name field.

NOTE: Transactions conducted in PayFuse are archived every seven months, rendering all
transaction information unavailable. Therefore, it is strongly recommended that clients not use
PayFuse as a customer database.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 37
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

7. Periodic Billing
NACHA does not allow periodic billing (installments and recurring transactions) with the
TEL SEC code.

The Periodic Billing

Information option should
not be changed from "Non-
Periodic".

8. Once the required data has been entered on the PayFuse Point of Sale page, process the
transaction by clicking the "Process Transaction" button.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 38
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

WEB

This section relates specifically to processing for Automated Clearing House (ACH) internet-
initiated entry (WEB) transactions, consistent with National Automated Clearing House
Association (NACHA) Operating Rules.

1. From the PayFuse main page, click on Orders to process an ACH transaction.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 39
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

2. From the Orders page, click on "Point of Sale".

3. At the PayFuse Point of Sale page, go to the Activity Field and click on “Check
transaction”.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 40
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

NOTE: The POS screen references an ACH transaction as “check transaction” in the activity pull
down menu, and “check” as the payment mechanism on the transactions report selection screen. If the
“Check transactions” option is not available, ACH processing has not been established at First
National Merchant Solutions. Contact your sales representative to complete an ACH amendment.

4. Choose the appropriate transaction type:

Select "Auth" for a sale/debit.

NOTE: Certain SEC Codes do not allow "credits" to be issued. That is the case with the
WEB code. In this instance, the SEC Code PPD (indicated as Business to Individual on
the POS screen) should be used and the "credit" can then be issued. To process a credit
transaction see Processing a Credit or Void Transaction starting on page 48.

The "Void" option may be selected to prevent sending a transaction to the Federal
Reserve Bank. The "Void" option can only be selected on the same day of the original
transaction and will cancel the transaction. To process a void transaction see Processing
a Credit or Void Transaction starting on page 48.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 41
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

5. Scrolling down the Point of Sale screen, Transaction Information can be entered. Only
the fields indicated with arrows are required for ACH processing.

a. Routing Number.

The Routing Number is a bank's nine-digit bank identification number. Enter the
Routing Number.

Routing Numbers may be verified at:

http://www.fededirectory.frb.org/search_ACH.cfm

b. Bank Account Number.

The Bank Account Number is the customer’s account number used for payment.
The Bank Account Number can be up to 17 digits long. Enter the customer's Bank
Account Number.

c. Account Type.

The Account Type is the type of account used for payment. Select either Checking
or Savings. NOTE: General Ledger is not an option for transactions conducted via
the Internet.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 42
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

d. Check Type.

Check Type refers to the type of check presented for payment. The WEB SEC code
only allows PERSONAL accounts. Business to Business is not allowed. Select
PERSONAL.

e. Entry Class.

The Entry Class is the method of entry of the transaction. The WEB SEC code only
allows the Internet option. From the drop-down menu, select the Internet option.

f. Total.

Total refers to the total amount of the transaction. Enter the total amount of the
transaction in dollars and with cents, using a decimal point. Example: 125.38

g. Processing Mode.

Proceessing Mode refers to the mode in which transactions are processed.

Regarding ACH transactions, the Processing Mode must be set to "Production".
Select "Production".

NOTE: Transactions conducted in PayFuse are archived every seven months,

rendering all transaction information unavailable. Do not use PayFuse as a customer
database.

Other optional, but recommended, data elements for ACH processing include:

h. Group ID (optional)

The Group ID is a unique identifier associated with a group of transactions. The

Group ID can be up to 36 characters. If a Group ID is not assigned, processing
defaults to the Order ID. Enter the Group ID.

i. Order ID (optional)

The Order ID is a unique identifier for the transaction. If an Order ID is not

assigned, a unique 36-character Order ID is automatically generated. Enter the Order
ID.

j. Email Address.

Email Address refers to an electronic mail address at which the purchaser can be
reached for any questions concerning the order. Type in the purchaser's email
address.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 43
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

6. Billing Information

The only Billing Information required to process an ACH Internet (WEB) transaction are
the First Name and Last Name fields.

National Automated Clearing House Association (NACHA) Operating Rules only allow
consumer transactions for ACH Internet (WEB) transactions. Business transactions are
not permitted.

a. First Name

First Name refers to the first name of the account holder. Enter the first name of the
account holder.

b. Last Name

Last Name refers to the last name of the account holder. Enter the last name of the
account holder.

c. Do not use the Company Name field.

NOTE: Transactions conducted in PayFuse are archived every seven months, rendering all
transaction information unavailable. Therefore, it is strongly recommended that clients not use
PayFuse as a customer database.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 44
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

7. Periodic Billing

If the transaction is an installment or recurring payment transaction, press the Periodic

Order radio button from the Point of Sale screen. Then indicate the payment frequency
and total number of payments, not to exceed 999.

8. Process Transaction

Once the required data has been entered on the PayFuse Point of Sale page, process the
transaction by clicking the "Process Transaction" button.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 45
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Applied Programming Interface (API) Information

Applied Programming Interface (API) information for ACH transactions:

Activity (required)
API field:
EngineDocList.EngineDoc.OrderFormDoc.Consumer.PaymentMech.Type
Value: Check

Transaction Type (required)

API field:
EngineDocList.EngineDoc.OrderFormDoc.Transaction.Type
Values: Auth = Sale
Credit = Credit
Void = Void

Group ID (optional)
API field:
EngineDocList.EngineDoc.OrderFormDoc.GroupId

Order ID (optional)
API field:
EngineDocList.EngineDoc.OrderFormDoc.Id

Routing Number (required)

API field:
EngineDocList.EngineDoc.OrderFormDoc.Consumer.PaymentMech.Check.
RoutingAccountNumber

Bank Account Number (required)

API field:
EngineDocList.EngineDoc.OrderFormDoc.Consumer.PaymentMech.Check.
AccountNumber

Account Type (required)

API field:
EngineDocList.EngineDoc.OrderFormDoc.Consumer.PaymentMech.Check.
AccountType
Values: 0 = Savings
1 = Checking

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 46
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Check Type (required)

API field:
EngineDocList.EngineDoc.OrderFormDoc.Consumer.PaymentMech.Check.CheckType
Values: 0 = Company Check
1 = Personal Check

Entry Class (required)

API field:
EngineDocList.EngineDoc.OrderFormDoc.Consumer.PaymentMech.Check.EntryClass
Values: CCD = Cash Concentration or Disbursement transactions
PPD = Preaarranged Payment or Deposit transactions
TEL = Telephone-initiated entry transactions
WEB = Internet-initiated entry transactions

Total (required)
API field:
EngineDocList.EngineDoc.OrderFormDoc.Transaction.CurrentTotals.Totals.Total

Email Address (optional)

API field:
EngineDocList..EngineDoc.OrderFormDoc.Consumer.Email

Processing Mode (required)

API field:
EngineDocList.EngineDoc.OrderFormDoc.Mode
Values: N = Test Decline
P = Production
R = Test Random (random approvals and declines)
Y = Test Approval

First Name (optional)

API field:
EngineDocList.EngineDoc.OrderFormDoc.Consumer.BillTo.Location.Address.
FirstName

Last Name: (optional)

API field:
EngineDoc.OrderFormDoc.Consumer.BillTo.Location.Address. LastName

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 47
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Processing Credit and Void Transactions

Processing a Credit Transaction Tied to an Order

1. Go to the PayFuse main page and click on Orders.

2. From the Orders page, click on "Orders" to get to the order search criteria screen.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 48
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

3. Enter the search criteria to find the order you would like to “credit”.

4. A listing of your orders will be displayed on the results page. On the results page you may
perform a full credit on the selected order by marking “Credit” next to the order and then
selecting “credit orders” under “Operations”. This will credit the entire amount of the
order.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 49
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

5. On the results page you may select an order on which you would like to perform a partial
credit. Click on the order to select the order.

6. The order detail will be displayed on the screen. You may now enter the amount that you
would like to credit on the order and then select “partial credit” under “Operations”.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 50
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Processing a Credit Transaction Not Tied to an Order

1. Go to the PayFuse main page and click on Orders.

2. From the orders page, click on “Point of Sale”.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 51
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

3. At the PayFuse Point of Sale page, go to the Activity Field and select the activity from the
drop down menu. Here we selected “Check transaction” for an ACH transaction.

NOTE: The POS screen references an ACH transaction as “check transaction” in the activity pull
down menu, and “check” as the payment mechanism on the transactions report selection screen. If the
“Check transactions” option is not available, ACH processing has not been established at First
National Merchant Solutions. Contact your sales representative to complete an ACH amendment.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 52
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

4. Choose the appropriate transaction type. Select “credit” for a credit transaction. Complete
the required fields of Routing Number, Bank Account Number, Entry Class (selection must
be either Business to Individual or Business to Business) and Total.

5. Complete the required fields of First Name and Last Name or Company Name depending on
the customer type. Then click on “Process Transaction”.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 53
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Voiding a Transaction by Selecting an Order

NOTE: A Void transaction can only be made on the same day of the original transaction to cancel it.

1. Go to the PayFuse main page and click on Orders.

2. From the Orders page, click on "Orders" to get to the order search criteria screen.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 54
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

3. Enter the search criteria to find the order you would like to “void”.

4. A listing of your orders will be displayed on the results page. On the results you may select
an order to “void” by clicking on the order.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 55
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

5. This will select the order and the order detail will be displayed on the screen. To void a
transaction check “Void” next to the transaction shown in the transaction detail section and
select “Void transactions” under “Operations”.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 56
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Voiding a Transaction by Entering an Order

NOTE: A Void transaction can only be made on the same day of the original transaction to cancel it.

1. Go to the PayFuse main page and click on Orders.

2. From the orders page, click on “Point of Sale”.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 57
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

3. At the PayFuse Point of Sale page, go to the Activity Field and select the activity from the
drop down menu. Here we selected “Check transaction” for an ACH transaction.

NOTE: The POS screen references an ACH transaction as “check transaction” in the activity pull
down menu, and “check” as the payment mechanism on the transactions report selection screen. If the
“Check transactions” option is not available, ACH processing has not been established at First
National Merchant Solutions. Contact your sales representative to complete an ACH amendment.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 58
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

4. Choose the appropriate transaction type. Select “void” to void a transaction the same day the
transaction was made.

5. Complete the required fields “Order ID” and “Transaction ID”, then click on “Process
Transaction”.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 59
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Frequently Asked Questions

1. Do you need a PC to operate PayFuse?

The Internet Virtual Terminal requires a PC and an Internet connection to operate. Right
now PayFuse is NOT currently supporting PDA’s or wireless phone connections.

2. Is PayFuse web hosted?

PayFuse utilizes the Internet as the means to process transactions, just like a physical
terminal uses a phone line to process a transaction. PayFuse is hosted internally on
FNBO servers.

3. I cannot access the PayFuse login window from my web browser?

Troubleshooting steps:

a) Access the PayFuse login window from a web browser on a different PC. Be sure to
clear the local cache in the web browser. This step will ensure that the PayFuse web
server is up and running. The PayFuse URL is:

https://www.payfuse.com/cgi-bin/clearcommerce_engine.exe/<clientID>

b) Verify the URL is accessing a secure http connection; i.e. https NOT http
c) Verify the exact URL is being utilized as specified in Step (a) above.
d) Can commonly used web sites (e.g. cnn.com, yahoo.com, etc… ) be accessed? If not,
contact your ISP.

If all of the above steps are not successful, contact First National Merchant Solutions.

4. I am able to access the PayFuse login window, but unable to login?

Troubleshooting steps:

Verify the correct login information:

i) Client ID in the PayFuse URL (remember to press <Enter> after inputting the
Client ID at the end of the URL)
ii) Username (case sensitive)
iii) Password (case sensitive)

If all of the above steps are not successful, contact First National Merchant Solutions.

5. What is the minimal information required to generate an

authorization/preAuthorization from Virtual Terminal (POS)?

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 60
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

The minimal information for generating an authorization is:

i) Transaction Type
ii) Credit Card #
iii) Expiration Date
iv) Amount

Only fields denoted with a (*) are required fields. All other fields are optional for
executing any given transaction.

6. Do I need to input an Order ID?

No. PayFuse will generate a unique Order ID for tracking if one is not supplied by
the merchant. The merchant may supply his/her own order ID. PayFuse generates
unique Transaction IDs for all transactions. PayFuse will generate a fairly lengthy
Order ID & Transaction ID (up to 36 characters each) based on the MAK address of
the workstation and the timestamp of the transaction.

7. I am not generating any results when querying for orders or transactions?

Verify proper date ranges for generating results. Simply selecting the Search button
will not yield desired results. Consider all input parameters when generating reports.

8. I am attempting to login but am not able to. I am receiving the following error
which is displayed on the PayFuse login window:

Session error: Invalid Arvgument: “(‘errCode’ is ‘7’, ‘StatusCode’ is ‘524’)

What is wrong?

The error above is generated after an inactive PayFuse session has timed-out. The
error is associated with the PayFuse session cookie and is a security mechanism
within PayFuse. To clear the error, simply exit the browser session and start a new
browser session pointing to the PayFuse URL.

9. I am attempting to generate an authorization from the Internet Virtual

Terminal (IVT)/Point of Sale (POS) from within the PayFuse User Interface.
However, when attempting to process the transaction, I received the following
error message:

5 – Did not find Authorization Routing Information for ClientId <Client ID

(Integer)>/CardType <CardType (Integer)>

What is wrong?

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 61
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

The error above is generated when the user attempts to enter a card type that is not
currently supported by the merchant’s store configuration. Desired card types can be
added or deleted to the merchant’s configuration by using the ‘Routing’ hypertext
under the ‘Administration’ hypertext link from within the Store Administration Tool
(NOTE: Other processes must happen within the confines of First National for the
desired card type to be supported). The entries below describe the integer associated
with each card type within PayFuse:

1 - Visa
2 - MasterCard
3 - Discover
4 - Diners
5 - Carte Blanche
6 - JCB/JCL
7 - enRoute
8 - American Express
9 - Solo
10 - Switch
11 - Electron

10. Why am I getting a Soft Settle Error for my batch?

In rare cases when using VirtualNet as the Settlement vendor (settlement will
normally be settled through First National), it is possible that Vital will reject the
entire settlement batch if there is a single problem within the batch. For instance, if
the American Express transactions have been authorized, but settlement has not been
setup within Vital or the Bank, the entire batch will fail. One resolution is, of course,
to setup Vital and FNBO to accept American Express. A second means is to credit all
of the American Express transactions (a call to ClearCommerce is required to remove
the Soft Settle state).

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 62
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Glossary

account administrator
The person responsible for administering merchant account activities,
including setting up merchants and managing user IDs and permissions.
Frequently, a commerce service provider acts as an account administrator.
See also commerce service provider (CSP).

acquiring bank
See merchant bank.

acquiring processor
See payment processor.

Address Verification Service (AVS)

A service used to verify that the billing street address and zip code supplied
by the customer (on the merchant’s Web site) match the data on record at the
card-issuing bank. AVS is supported by most U.S.-based payment
processors. AVS is not supported outside of the U.S. Benefits of using AVS
include enhanced fraud protection that, in turn, can protect the merchant’s
discount rate.

API
See application programming interface.

application programming interface (API)

A set of routines or definitions that are part of an operating system or
application program. An API is used by programmers when they write an
application so that the application can make requests to the operating system
or another application program.

Auth
A transaction type in which a transaction is preauthorized and
postauthorized in one step. In the U.S., Auth is typically used to process
purchases of goods or services that do not require a physical shipment. For
example, in the U.S., Auth would be used for memberships or subscriptions
that are purchased electronically and used immediately.
Contrast this term with PreAuth and with PostAuth, which are transaction
types used for purchases of hard goods (which must be shipped).
A payment processor might refer to this transaction type as
preauthorization/postauthorization.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 63
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

authorization
A request to the payment processor (who then makes a request to the card issuing
bank) to approve the reservation of funds in a customer’s account.
The request can involve several transaction types, including Auth, PreAuth,
PostAuth, ReAuth, and RePreAuth.

authorization reversal
See partial reversal.

authorize only
See PreAuth.

authorizer
The card-issuing bank or its assigned representative that approves or
declines transactions during authorization.
See also card-issuing bank and authorization.

AVS
See Address Verification Service.

Bank Identification Number (BIN)

A number, defined by the American Bankers Association, that identifies the
card-issuing bank. The BIN is typically the first six numbers of a Visa or
MasterCard credit card account number.

batch
A group of transactions waiting for settlement. See also settlement and
Settle.

batch ID
A unique numeric identifier assigned to a batch by the payment processor.
(Not all payment processors assign their own batch IDs.)
See also settlement ID.

BIN
See Bank Identification Number.

bulk settlement
A type of settlement in which all transactions that have a status of Bulk
Ready, that are configured to be sent to the same processor, and that are
associated with the same SysAdmin or CSP entity are sent to the processor
together.
Contrast with single-store settlement. See also settlement.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 64
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

cancel
See Void.

card association
A fee-based, membership-driven group of financial institutions that uses
common processing and administrative facilities according to common
operating rules. Examples are Visa and MasterCard credit cards.
See also card organization.

cardholder
An individual to whom a card is issued, or who is authorized to use an issued
card.

Card Identifier (CID)

One of several types of Card Verification Methods; a 3- or 4-digit code,
typically printed on the card. The CID is submitted as part of an
authorization request.
See also Card Verification Method (CVM) and Card Verification Value 2
(CVV2).

card-issuing bank
The financial institution that issues credit cards to individuals and
businesses.
Also known as credit-card issuing bank.

card-not-present
Pertaining to a credit card transaction that does not require the cardholder to
be physically present. All Internet transactions are card-not-present
transactions.

card organization
A fee-based processing institution that uses proprietary processing and
administrative systems to facilitate card processing for its merchants and
cardholders. American Express and Discover are examples of card
organizations.

card-present
Pertaining to a credit card transaction in which the cardholder and the card
are physically present. Typically, the credit card passes through a card reader
and the cardholder signs a receipt.
Contrast with card-not-present.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 65
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Card Verification Method (CVM)

Any of several methods used to ensure that a credit card being used in a
purchase is in the possession of its owner. Examples of CVMs are Card
Verification Value 2 (CVV2) and Card Identifier (CID). See these terms for
more information.

Card Verification Value 2 (CVV2)

One of several types of Card Verification Methods; a 3- or 4-digit code,
typically printed in the signature panel on the back of the card. The CVV2
is submitted as part of an authorization request.
See also Card Verification Method (CVM) and Card Identifier (CID).

chargeback
The reversal of a previously Settled transaction in which the merchant bank
debits the amount of the sale from the merchant’s account because the
cardholder has disputed the charge.

Chargeback
A transaction type used to record in the database that the merchant bank has
reversed a previously settled transaction through a chargeback.

commerce service provider (CSP)

A company that provides businesses with the hosting services, the
transaction processing capability, and the software that the businesses need
to sell products over the Internet.

credit card processor

See payment processor.

Credit (independent)
A transaction type that transfers funds to the cardholder's account, rather
than from the account. An independent Credit does not relate the credit to a
previously existing order.
A payment processor might refer to this transaction type as refund or rebate.

Credit (on existing order)

A transaction type that transfers funds to the cardholder's account, rather
than from the account. This transaction type is typically used to refund a
customer’s money for an order that was previously settled.
A payment processor might refer to this transaction type as return, refund,
or rebate.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 66
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

CSP
See commerce service provider.

customer
In e-commerce, a person who makes a purchase at an online store.

detail capture
See settlement.

digital receipt
An electronic acknowledgement of an order placed from a commerce enabled
Web site.

discount fee (or rate)

The fee a merchant pays to a merchant bank for acquiring the merchant’s
transactions. The fee is usually a small percentage of each purchase amount
and of each settlement deposit.
See also interchange fee (or rate).

draft capture
See settlement.

e-commerce
The practice of buying and selling products over the Internet.
Also known as electronic commerce.

encryption
A method used to prevent unauthorized parties from reading data that is
transmitted over a network or stored in a database.

ForceInsertAuth
A transaction type in which an approved Auth transaction is inserted into the
database. It can be used for transactions that have been approved using a
method other than the Engine, such as transactions approved by phone.

ForceInsertPreAuth
A transaction type in which an approved PreAuth transaction is inserted into
the database. It can be used for transactions that are approved using a
method other than the Engine, such as transactions approved by phone.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 67
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

ForceUpdateAuth
A transaction type that forcibly approves an Auth transaction and updates its
authorization code.

ForceUpdatePreAuth
A transaction type that forcibly approves a PreAuth transaction and updates
its authorization code.

interchange fee (or rate)

A fee paid by the merchant bank to the issuing bank to compensate for
postsettlement financial services.
See also discount fee (or rate).

Internet service provider (ISP)

A company that provides Internet access to individuals or businesses.

Internet Virtual Terminal (IVT)

See POS.

IP address
A unique address of a device using the TCP/IP protocol stack. No two
devices have the same IP address.
IP addresses are expressed in dot notation, such as 127.0.0.1. All IP
addresses have the same format, and each number in the address must be
between 0 and 255.

ISP
See Internet service provider.

Level I data
The minimum data required to electronically process credit card
transactions. This data includes card account number, expiration date,
transaction amount, and basic information about the merchant. Level I data
is supported by any payment processor that accepts credit cards. Credit
cards are authorized and associated with normal transaction data through
settlement.

Level II data
Data that is associated with Level II purchase card transactions. In addition
to Level I data, Level II data includes a purchase order (PO) number and
sales tax amount. Level II data is required by the payment processor at the
time of settlement.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 68
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Level III data

Data that is associated with Level III purchase card transactions. In addition
to Level I and Level II data, Level III data includes summary and line-item
information such as product codes, descriptions, duty amounts, quantities,
and ship-to postal data.

mail order/telephone order (MO/TO)

A type of transaction in which a cardholder orders goods or services from a
merchant and neither the credit card nor the cardholder is physically present
at the time or place of the order. For example, an MO/TO might take place
by telephone, through the mail, or on the World Wide Web.

merchant
A person or company that owns one or more stores.
See also store, store administrator.

merchant bank
A financial institution that does business with merchants, enabling them to
accept credit cards. Examples of merchant banks are Chase Merchant
Services, Paymentech, and BankOne.
Also called acquiring bank.

merchant ID (MID) number

A number issued to a merchant by a merchant bank. The merchant bank uses
the MID to identify a specific merchant in credit card transactions.
Different MIDs are required for each type of business that an individual
merchant performs. For example, a different MID is required for MO/TO
(card-not-present) transactions because the merchant banks charge different
discount fees for MO/TO and card-present transactions.
See also terminal ID (TID) number.

MID
See merchant ID number.

MO/TO
See mail order/telephone order.

OLTP
See online transaction processing.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 69
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

online transaction processing (OLTP)

The act of sending and receiving data to complete preauthorization,
postauthorization, and settlement of a transaction.
Through the use of PayFuse, online transaction
processing includes fraud checking, transmission of the data to a payment
processor, receipt of approval or rejection of the transaction from the
processor, capture (or postauthorization) of the transaction, and settlement.

open-to-buy
Pertaining to the portion of a cardholder’s available credit that can be used
immediately for purchases. An authorization transaction decreases the
cardholder’s open-to-buy balance, in effect reserving funds for the eventual
settlement.

order ID
A unique numeric identifier assigned to an order by either the storefront or
the Engine.
See also transaction ID.

partial shipment
A process in which a store ships only some of the goods in a single order
and, therefore, submits a PostAuth for less than the amount of the approved
PreAuth for the order. Sometimes a partial shipment initiates a partial
reversal.
See partial reversal for more information.

PayFuse
A software product that provides real-time transaction processing, including
sorting and packaging the transaction information so that the information
can be read by the payment processor. The Engine also can provide fraud
checking and tax and shipping calculations. It also provides a tool that
enables store administrators to manage their online store’s transactions.

payment processor
The financial institution that is typically responsible for routing and
handling authorization and settlement. The PayFuse Engine uses
payment solution software to communicate with the payment processor.
Also known as card processor or processor.

point of sale
Physical or virtual location where a transaction is initiated by the merchant.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 70
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

POS characteristics
Characteristics of the input environment expressed as values that become
part of the transaction request packet that is sent to a payment processor.

PostAuth
A transaction type that prepares an approved PreAuth transaction for
settlement. In the U.S., this transaction type typically occurs only after the
purchased goods have been shipped.
A PostAuth is preceded by a PreAuth.
A payment processor might refer to this transaction type as ticket only or
capture.

PreAuth
A transaction type in which a cardholder’s account is verified to be in good
standing and Address Verification Service is performed (if supported). If the
verifications are approved by the authorizer, the total amount of the order is
reserved against the cardholder’s open-to-buy balance. The cardholder’s
available credit is not changed, however.
In the U.S., PreAuth is used as the first stage of processing purchases of
goods that must be physically shipped to the customer. An approved
PreAuth is followed by PostAuth.
Contrast this term with Auth.
A payment processor might refer to this transaction type as authorization or
authorize only.

processor
See payment processor.

ReAuth
A transaction type in which an Auth or a PostAuth transaction is resubmitted
for processing.

rebate
See Credit (on existing order) and Credit (independent).

refund
See Credit (on existing order) and Credit (independent).

RePreAuth
A transaction type in which a PreAuth transaction is resubmitted for
processing.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 71
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

return
See Credit (on existing order).

reversal
See Void.

Secure Sockets Layer (SSL)

An industry-standard security protocol that provides secure transmission of
private information sent over the Internet. The protocol provides data
encryption, server authentication, message integrity, and client
authentication for TCP/IP connections.

Settle
A transaction type that begins the transfer of funds to the merchant’s
account (in the case of a sale) or from the merchant’s account (in the case of
a credit).

settlement
A process in which money is transferred between a merchant and a
cardholder. For a sale, money is transferred from a cardholder’s account to
a merchant’s account. For a credit, money is transferred from a merchant’s
account to a cardholder’s account.
See also bulk settlement and single-store settlement.

settlement ID
A unique numeric identifier assigned to a batch by the PayFuse Payment Engine.
See also batch and batch ID.

SSL
See Secure Sockets Layer.

store
An online business establishment that offers goods and services for sale
through online ordering. Sometimes called online store.

store administrator
A person responsible for managing an online store’s e-commerce activity.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 72
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

Store Administrator Tool

A graphical user interface that enables store administrators who have the
appropriate permissions to manage configuration of Store entities, view
reports of Store activities, manage fraud, initiate point of sale transactions,
and manage settlement on the Engine.
See also store administrator and Store entity.

storefront
A Web site designed to handle electronic transactions over the Internet.

system administrator
A person who is responsible for administering Engine-level activities,
including ensuring successful communication with payment processors and
monitoring server performance.

terminal ID (TID) number

A number assigned by a payment processor to identify a specific point-of-sale
terminal.
In a retail store, one TID is typically assigned to each device used to
authorize credit card transactions. For Internet transactions, one TID is
typically assigned to each merchant Web site or business unit.
See also merchant ID (MID) number.

third-party transaction processor

An entity that acts on behalf of a card-issuing bank, merchant bank, or
payment processor during transaction processing.
See also card-issuing bank, merchant bank, and payment processor.

ticket only
See PostAuth.

TID
See terminal ID number.

transaction
Any action between a cardholder and a merchant that results in activity on
either account. One example of transaction is the process that takes place
when a cardholder makes a purchase with a credit card. Another is the
process when a merchant credits all or part of an order back to a customer.

transaction ID
A unique numeric identifier assigned to a transaction by the Engine.
See also order ID.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 73
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.
 PayFuse User's Guide Revision 8/06/04

transaction processing
See online transaction processing.

Transmission Control Protocol/Internet Protocol

(TCP/IP)
A protocol for communication between computers, used as a standard for
transmitting data over networks and as the basis for standard Internet
protocols.

Void
A transaction type that cancels a transaction that has not yet settled.
A payment processor might refer to this transaction type as reversal or
cancel.

The information contained in this document is CONFIDENTIAL to the business and operations of SPC, Inc. d/b/a First 74
National Merchant Solutions, and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions.