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NAL Payments Gateway User Guide
Version 01.00D03
February 06, 2006
This document is
Company Confidential
This document is only to be shared with NAL associates who are authorized to use the Payments Gateway or other individuals as approved by Dania Ramos.
Table of Contents
Logging onto the Payment System 2
Adding a Client to the Payment Systems Client database 4
Searching the Client database 6
Editing a Client entry in the database 7
Deleting a Client entry in the database 7
Processing Over the Phone or Mail Credit Card Payments for a loan 8
Processing Over the Phone direct debit (ACH) payments for a loan 11
Setting up automatic recurring or delayed direct debit payments (ACH) for a loan 14
Processing a direct deposit (ACH) credit to a Dealer or a Customer 17
Appendix B – Virtual Terminal Response Codes 20
Logging onto the Payment System
1. Enter the url address into the address bar of your internet browser and hit enter.
2. Click on the Merchant Login section in the upper right hand corner of the resulting web page.
3. The following Log In window with blank fields is displayed.
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4. Enter the NAL Merchant ID (111383)
5. Enter your User Name and Password.
a. Do not log in using someone else’s User Name and Password.
b. The User Name and Password are both case sensitive.
6. Click on the Login button.
7. A successful login will take you to the Home page which looks something like this.
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Adding a Client to the Payment Systems Client database
1. Expand the Clients tab on the left side of the screen by clicking on it (unless it already is expanded).
2. Select Add from below the Clients tab on the left side of the Transaction Page. The Add a Client window is displayed.
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3. Enter the customer’s name and address information:
a. First & Last Name.
i. This must match the name on the credit card if credit card information is provided.
ii. In some cases these field might be left blank such as when a Company is being entered instead of an individual.
b. Company Name if appropriate.
i. This must match the company name on the credit card if credit card information is provided for the company.
c. Address.
i. This must be the billing address for the credit card if credit card information is provided.
d. Address 2, if appropriate
e. Postal Code
f. City
g. State
h. Phone Number
4. Enter the customer’s Payment Information.
a. Select whether the Primary payment account is Credit Card Trans or EFT Trans.
b. Enter the Primary payment account information.
c. If a Secondary payment account is provided, select whether the Secondary payment account is Credit Card Trans or EFT Trans.
d. Enter the Secondary payment account information.
e. Press the Add a Client button to add the client to the database
Searching the Client database
1. To search for a client, select Search from the Clients tab and the following screen will appear.
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2. Selection: Select whether you want to search by First Name, Last Name, Company Name, or Consumer ID (customer number).
3. Value: Enter the appropriate fiend entry for the client that you want to search for or leave this field blank to search for all clients. You may also enter just the beginning part of a field entry and all corresponding matches will be displayed.
4. Records Displayed: Select the number of records that you want to display per page.
5. Press the Search button. The following screen will appear.
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Editing a Client entry in the database
1. Search the client database.
2. Click on the Edit icon for the appropriate client record that you wish to edit.
3. Update the appropriate client information
4. Press the Update a Client button.
Deleting a Client entry in the database
1. Search the client database.
2. Click on the Delete icon for the appropriate client record that you wish to delete.
3. When it asks if you are sure you want to delete this client, select OK to delete the client or Cancel to cancel the deletion of the client..
Processing Over the Phone or Mail Credit Card Payments for a loan
1. Expand the Transaction tab on the left side of the screen by clicking on it (unless it already is expanded).
2. Select Add from below the Transaction tab on the left side of the Transaction Page. The Add a Transaction window is displayed.
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3. Merchant: is pre-selected.
4. Search for the client using the Client Quick Search in the upper right corner of the screen.
a. Enter all or part of a name and click on Search.
b. A smaller window will open up with a list of search matches.
c. Double click on the client that you want if their name appears in the search.
d. The customer information and their primary payment method data will be automatically populated on the screen.
e. If the customer is not in the Client database then go to step “Select Credit Card Trans”.
f. If the primary payment method is for an EFT Trans or a different credit card then go to step “Select Credit Card Trans”.
g. If the primary payment method is for the correct credit card then re-verify all of the information in the following steps.
h. Remember: The Verification # must always be manually entered. It is not saved.
5. Select Credit Card Trans
6. You will get the credit card screen
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7. Trans Type: is pre-selected as Sale.
8. Enter the following information:
a. Card #
b. Cardholder name as it appears on the card.
c. Verification #
i. For Visa, MasterCard, or Discover the Verification # is the three-digit card authentication value printed on the signature panel after the full or truncated account number.
ii. For American Express the Verification # is the four-digit card authentication value printed on the front of the card to the right of the embossed Card #.
iii. Select Exp Date as shown on the card.
9. Select Card Type (Visa, MasterCard, American Express, or Discover).
10. Enter the amount of the loan payment into Sub total.
11. Enter the customer’s information:
a. Company name if appropriate.
b. First Name & Last Name as found on the credit card being used.
c. The billing Address for the credit card
d. Billing Address 2, if appropriate
e. The billing address Postal Code.
f. The billing address City.
g. The billing address State.
h. Phone Number.
i. Enter the Consumer ID (Customer Account #).
12. Click the Add Transaction button.
13. You should get the Transaction Results screen. The Response Description field will tell you whether the transaction was approved. Approvals are always A01. If you got anything other than A01 the transaction was denied. For the list of Virtual Terminal Response Codes and what they mean, see Appendix B.
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14. Print two (2) copies of the Receipt. Place one in the customer file and mail the other to the customer.
Processing Over the Phone direct debit (ACH) payments for a loan
1. Expand the Transaction tab on the left side of the screen by clicking on it (unless it already is expanded).
2. Select Add from below the Transaction tab on the left side of the Transaction Page. The Add a Transaction window is displayed.
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3. Merchant: is pre-selected.
4. Search for the client using the Client Quick Search in the upper right corner of the screen.
a. Enter all or part of a name and click on Search.
b. A smaller window will open up with a list of search matches.
c. Double click on the client that you want if their name appears in the search.
d. The customer information and their primary payment method data will be automatically populated on the screen.
e. If the customer is not in the Client database, close the small window and go to step “Entry Class Code: select TEL”.
f. If the primary payment method is for a Credit Card Trans or a checking/savings account then select EFT Trans and go to step “Entry Class Code: select TEL”.
g. If the primary payment method is for the correct checking/savings account then re-verify all of the information in the following steps.
5. EFT Trans: is pre-selected.
6. Trans Type: is pre-selected as Sale.
7. Entry Class Code: select TEL.
8. Enter the 9 digit Routing #.
a. The routing number is always 9 digits long and appears between the following character sequence on the voided check- |:#########|: Example |:121000358|: is routing number 121000358.
9. Enter the customer’s Account #.
a. The length of the account number can be from 4 to 17 characters and can sometimes include dash characters and/or spaces. Do not type in any of the space characters or dashes. The best way to identify the Account # is by a process of elimination. At the bottom of the check the Routing Number appears (see above) along with the check number (the check number also appears at the top right of the check). Once you've eliminated those numbers from the bottom of the check, the remaining numbers should be your customer's checking account number.
10. Enter the Acct Type. Checking or Savings. Checking is pre-selected.
11. Enter the about of the payment in the Sub total field.
12. Enter the customer’s information:
a. Company name if appropriate.
b. First Name & Last Name.
c. Address.
d. Address 2, if appropriate
e. The address Postal Code.
f. The address City.
g. The address State.
h. Phone Number.
i. Enter the Consumer ID (Customer Account #).
13. If this is customer is not already in the Client data base for this system, click the “Save this Client” box.
14. Enter any desired comments.
15. Click the Add Transaction button.
16. You should get the “Transaction Results” screen. The “Response Description” field will tell you whether the transaction was approved. For the list of Virtual Terminal Response Codes, see Appendix B.
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17. Print two (2) copies of the Receipt. Place one in the customer file and mail the other to the customer.
Setting up automatic recurring or delayed direct debit payments (EFT) for a loan
1. Expand the Transaction tab on the left side of the screen by clicking on it (unless it already is expanded).
2. Select Add from below the Transaction tab on the left side of the Transaction Page. The Add a Transaction window is displayed.
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3. Merchant: is pre-selected.
4. EFT Trans: is pre-selected.
5. Trans Type: Sale is pre-selected.
6. Entry Class Code: PPD is pre-selected.
7. Enter the 9 digit Routing #.
a. The routing number is always 9 digits long and appears between the following character sequence on the voided check- |:#########|: Example |:121000358|: is routing number 121000358.
8. Enter the customer’s Account #.
a. The length of the account number can be from 4 to 17 characters and can sometimes include dash characters and/or spaces. Do not type in any of the space characters or dashes. The best way to identify the Account # is by a process of elimination. At the bottom of the check the Routing Number appears (see above) along with the check number (the check number also appears at the top right of the check). Once you've eliminated those numbers from the bottom of the check, the remaining numbers should be your customer's checking account number.
9. Enter the Acct Type. Checking or Savings. Checking is pre-selected.
10. Enter the about of the regular payment in the Sub total field.
11. Click the + sign next to Schedule Info to expand the Schedule Info area.
12. Select the Frequency of the payments: Monthly or Bi-weekly (every two weeks) or One Time Future.
13. Enter the Start Date of the first automatic payment to be made.
14. Enter the Quantity of payments to be made.
15. The payment schedule can be reviewed for correctness by clicking on the Edit button in the Schedule Info area. Adjustments can be made to both the amount and date of each of the future payments.
16. Enter the customer’s information:
a. Company name if appropriate.
b. First Name & Last Name.
c. Address.
d. Address 2, if appropriate
e. The address Postal Code.
f. The address City.
g. The address State.
h. Phone Number.
i. Enter the Consumer ID (Customer Account #).
17. If this is customer is not already in the Client data base for this system, click the Save this Client box.
18. Enter any desired comments.
19. Click the Add Transaction button.
20. You should get the “Transaction Results” screen as below. The “Response Description” field will tell you whether the transaction was approved. For the list of Virtual Terminal Response Codes, see Appendix B.
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Processing a direct deposit (ACH) credit to a Dealer or a Customer
Note: If a NAL has a written direct deposit authorization from the recipient, this transaction can be implemented at any time unless that authorization has been revoked by the recipient. If a written direct deposit authorization does not exist, then there must have been an oral agreement (either by phone or in person) for each transaction during which time the recipient provided routing number and account information for the transaction. A written transaction receipt must also be sent to the recipient.
1. Expand the Transaction tab on the left side of the screen by clicking on it (unless it already is expanded).
2. Select Add from below the Transaction tab on the left side of the Transaction Page. The Add a Transaction window is displayed.
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3. Merchant: is pre-selected.
4. Check Trans: is pre-selected.
5. Trans Type: select Refund/Credit.
6. Entry Class Code: PPD is pre-selected.
7. If this is a repeat client, use the Client Quick Search to find the client. Double click the client’s name to transfer bank account and address information to the form. You must still confirm the banking account information with the customer. Do not read the account information to the customer. Have them read their information to you.
8. Enter the 9 digit Routing #.
a. The routing number is always 9 digits long and appears between the following character sequence on the voided check- |:#########|: Example |:121000358|: is routing number 121000358.
9. Enter the customer’s Account #.
b. The length of the account number can be from 4 to 17 characters and can sometimes include dash characters and/or spaces. Do not type in any of the space characters or dashes. The best way to identify the Account # is by a process of elimination. At the bottom of the check the Routing Number appears (see above) along with the check number (the check number also appears at the top right of the check). Once you've eliminated those numbers from the bottom of the check, the remaining numbers should be your customer's checking account number.
10. Enter the Acct Type. Checking or Savings. Checking is pre-selected.
11. Enter the about of the credit in the Sub total field.
12. Enter the Customer Loan #.
13. Enter the customer’s Name, Address, and Phone number information.
c. Company Name (if appropriate).
d. First & Last Name as found on the credit card being used.
e. The Billing Address for the credit card
f. Billing Address 2, if appropriate
g. The Billing Address Postal Code. The City and State fields will be automatically filled based upon the Postal Code that is entered.
h. Phone Number
14. If this is customer is not already in the Client data base for this system, click the “Save this Client” box.
15. Enter any desired comments.
16. Click the Add Transaction button.
17. You should get the “Transaction Results” screen. The “Response Description” field will tell you whether the transaction was approved. For the list of Virtual Terminal Response Codes, see Appendix B.
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18. Print two (2) copies of the Receipt. Place one in the dealer or customer file and mail the other to the recipient.
Appendix B
Virtual Terminal Response Codes
These responses are returned for all processed transactions. The A01 response is the only code ever returned for approved transactions. The “U” codes are for declined transactions.
|Code |Description |Comments |
|A01 |APPROVED |Transaction approved/completed |
|U01 |MERCH AUTH REVOKED |Merchant not allowed to access customer account (EFT only) |
|U02 |ACCOUNT NOT APPROVED |Customer account is in the ACH Direct “known bad” list (EFT only) |
|U03 |DAILY TRANS LIMIT |Merchant daily limit exceeded (EFT only) |
|U04 |MONTHLY TRANS LIMIT |Merchant monthly limit exceeded (EFT only) |
|U05 |AVS FAILURE ZIPCODE |AVS state/zipcode check failed |
|U06 |AVS FAILURE AREACODE |AVS state/area code check failed |
|U07 |AVS FAILURE EMAIL |AVS anonymous email check failed |
|U10 |DUPLICATE TRANSACTION |Transaction has the same attributes as another transaction within the|
| | |time set by the merchant |
|U11 |RECUR TRANS NOT FOUND |Transaction types 40-42 only |
|U12 |UPDATE NOT ALLOWED |Original transaction not voidable or capture-able |
|U13 |ORIG TRANS NOT FOUND |Transaction to be voided or captured was not found |
|U14 |BAD TYPE FOR ORIG TRANS |Void/capture and original transaction types do not agree (CC/EFT) |
|U15 |ALREADY VOIDED |Transaction was previously voided or captured |
| |ALREADY CAPTURED | |
|U18 |UPDATE FAILED |Void or Capture failed |
|U19 |INVALID TRN |Account ABA number if invalid |
|U20 |INVALID CREDIT CARD NUMBER |Credit card number is invalid |
|U21 |BAD START DATE |Date is malformed |
|U22 |SWIPE DATA FAILURE |Swipe data is malformed |
|U23 |INVALID EXPIRATION DATE |Malformed expiration date |
|U51 |MERCHANT STATUS |Merchant is not “live” |
|U52 |TYPE NOT ALLOWED |Merchant not approved for transaction type (CC or EFT) |
|U53 |PER TRANS LIMIT |Transaction amount exceeds merchant’s per transaction limit |
|U54 |INVALID MERCHANT CONFIG |Merchant’s configuration requires updating – call customer support |
|U80 |PREAUTH DECLINE |Transaction was declined due to preauthorization (ATM Verify) result |
|U81 |PREAUTH TIMEOUT |Preauthorizer not responding (Verify Only transactions only) |
|U82 |PREAUTH ERROR) |Preauthorizer error (Verify Only transactions only |
|U83 |AUTH DECLINE* |Transaction was declined due to authorizer declination |
|U84 |AUTH TIMEOUT |Authorizer not responding |
|U85 |AUTH ERROR |Authorizer error |
|U86 |AVS FAILURE AUTH |Authorizer AVS check failed |
|U87 |AUTH BUSY |Authorizing Vendor busy, may be resubmitted (CC only) |
|U88 |PREAUTH BUSY |Verification vendor busy, may be resubmitted (type 26 only) |
|U89 |AUTH UNAVAIL |Vendor service unavailable (CC only) |
|U90 |PREAUTH UNAVAIL |Verification service unavailable (type 26 only) |
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