Frequently Asked Questions1. What equipment do I need for credit and debit card processing? 2. Will any modem work for dial-up to a processor? 3. My client is an Internet vendor. Do they have to process credit cards over the Internet? 4. I have multiple stations on site. Do I need to pay an installation fee for every station? 5. If the processor introduces modifications in protocols, do I need to pay for upgrading the library? 6. I have a DOS-based legacy POS system. Does your library support DOS? 8. My customers have different processors. Is it difficult to implement multiple choices for processors in my software?
13. Are the transaction data safe when stored by
processing routines prior to settlement?
If you are a mail or telephone order operation, you only need a PC equipped with a modem or connected to Internet. If you are a retailer, you also need a magnetic card reader to read track information of credit and debit cards. For processing debit cards, you need an encrypted pinpad. Usually financial institutions or processors provide these. We recommend the Verifone 1000 pinpad, which we have used in our testing. This pinpad supports both fixed key (Master Session), and DUKPT type encryption. We can assist you in interfacing the pinpad to your computer.
Generally, yes. The most important factor is a proper setup string sent to the modem in the beginning of communications. It configures the modem for a straight link at the 1,200-baud rate without data compression or error checking. The setup strings for popular modem types are listed in the manual. If your modem is not on the list, please contact us. We will help you.
No. Only if their goods or services are released immediately upon placement of an order does the vendor have to obtain the authorization in real time. Processing via Internet is certainly a desirable option in such a case. WnetCard Modules provide the fastest transaction times possible for IP-based processing. If order fulfillment is not immediate, the vendor may collect all the sales information through their electronic shopping cart, and then process all the transactions as a batch in one dial-up.
No, the one-time installation fee is independent of the number of stations on site - a tremendous savings compared to the prices of our competitors.
No. Upgrades will be provided for free as soon as they are implemented.
No. Our preceding product, DialCard Modules, did have a version for DOS.
We cannot endorse one processor over another. You should select the one that provides the best service at the best discount rate. This matter is entirely between you and your bank or service provider. We can, however, suggest several good hints. If you belong to some national retail association, you might check with your organization to see if one of the processors has a standing nation-wide deal. Also, please keep in mind that the processing bank may be, and very often is, a different institution than the bank where you keep your business account. You do not need to use processors associated with the institution where you do your banking. If you need further assistance please contact us.
No, it is not. We have done all the hard work for you. One of the parameters passed to the routines of WnetCard Modules contains the name of the configuration file. The file contains the information about selected processor as well as merchant parameters on the selected network. To switch processing to another processor or provider create a new configuration file and pass its name to the processing routines.
Yes, we are constantly developing versions for new processors. How do we select new processors? The main factor is the potential number of sales and strength of the processor in different markets. If the processor you want to deal with is not on our list, please contact us. We will be glad to consider your request.
No. WnetCard supports SSL communications with the processor's gateway without any need for the client's certificate.
No. WnetCard Modules establish a secure SSL link with the processor's gateway over open Internet.
Any computer that is connected to the Internet
may be the subject of an attack. However there are several steps that
one can take to reduce the risk to an absolute minimum. If networked PCs
are connected to Internet via a router, NAT protocol hides the IP addresses of
every computer on the network. In addition one can use router filtering
capability to restrict Internet access to the desired URLs only. On
top of this Internet exploring software may be disabled on processing
workstations since WnetCard modules do not require Internet Explorer or similar
products to operate.
Yes, absolutely. The WnetCard Modules are
PABP CISP (Payment Application Best Practices) certified by VISA.
No sensitive information like magnetic tracks, CV values or billing addresses
are stored at all. The account numbers are stored in encrypted form using
a strong floating encryption algorithm.
If you need to integrate processing with a particular processor, the best way is to use the library developed for this processor. This library may contain some additional routines that are not supported in the universal (one-to-many) package.
To make your product most appealing and for simplicity of integration, use the WnetCard Modules universal package. This package supports most of the functionality of all the platforms and can be used in retail or mail order/e-commerce environments.
Yes. But WnetCard Modules will do it for you. Simply use the setup routine and re-enter the parameters in the setup screen, then save it by overwriting the original CON file.
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