Virtual Terminal User’s Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l’instant.
PayPal Virtual Terminal User’s Guide Document Number: 10061.en_US-200908 © 2009 PayPal, Inc. All rights reserved. PayPal is a registered trademark of PayPal, Inc. The PayPal logo is a trademark of PayPal, Inc. Other trademarks and brands are the property of their respective owners. The information in this document belongs to PayPal, Inc. It may not be used, reproduced or disclosed without the written approval of PayPal, Inc. Copyright © PayPal. All rights reserved. PayPal (Europe) S.à r.l. et Cie., S.C.A.
P Preface About This Guide The PayPal Virtual Terminal User’s Guide describes how to set up and use Virtual Terminal to process credit card transactions online. It includes information about: z capturing, voiding, refunding, and creating new transactions. z withdrawing funds from your PayPal account. z security features to prevent credit card fraud. z errors encountered while using the Virtual Terminal. z canceling Virtual Terminal account. z reactivating Virtual Terminal account.
P 4 Preface Documentation Feedback Virtual Terminal User’s Guide
Contents Preface . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 About This Guide. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Intended Audience . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Documentation Feedback . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Chapter 1 Getting Started with Virtual Terminal . . . . . . . . . . . . 7 What is Virtual Terminal . . . . . . . . . . . . . . . .
Contents Processing a Refund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 Creating a New Transaction Using Data from a Previous Transaction . . . . . . . . . . . 25 Chapter 6 Withdrawing Funds . . . . . . . . . . . . . . . . . . . . . 27 Requesting an Electronic Funds Transfer . . . . . . . . . . . . . . . . . . . . . . . . . . 27 Withdrawing Funds by Check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1 Getting Started with Virtual Terminal What is Virtual Terminal PayPal’s Virtual Terminal is a web-based application that allows you access through your PayPal account to accept credit card payments. It provides your business with the functionality similar to a stand-alone credit card-processing terminal. Virtual Terminal is ideal for merchants that receive orders by phone, fax, card reader, or by mail and want to accept credit cards.
Getting Started with Virtual Terminal Features and Benefits 8 Virtual Terminal User’s Guide
2 Security Features When you process an order with Virtual Terminal, PayPal verifies the customer’s credit card and billing address to prevent credit card fraud. This chapter discusses the security features PayPal uses to verify this information: z Card Security Code z Address Verification System Card Security Code Card security code (CSC) is an anti-fraud security feature.
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3 Setting Up Your Account Before Using Virtual Terminal Before you start processing transactions using the Virtual Terminal, PayPal recommends you make some changes to your account settings. This chapter contains information about tasks you should perform before using Virtual Terminal.
Setting Up Your Account Before Using Virtual Terminal Confirming Contact Information Confirming Contact Information Before you start processing transactions using the Virtual Terminal, verify that your business contact information is correct and complete under the Profile tab. Accurate information ensures that customers can contact you about their purchases and that PayPal can contact you regarding your account, if needed. To verify and update your business contact information: 1.
Setting Up Your Account Before Using Virtual Terminal Granting Secondary Access to Virtual Terminal Granting Secondary Access to Virtual Terminal By default, Virtual Terminal is set up so that a single user can process transactions. However, you can provide multiple users (such as employees) with the ability to process transactions using Virtual Terminal.
Setting Up Your Account Before Using Virtual Terminal Revoking Secondary Access to Virtual Terminal Once you revoke the privileges, the selected user is no longer be able to access Virtual Terminal or process Virtual Terminal transactions.
4 Performing Transactions Using Virtual Terminal This chapter provides detailed instructions for performing transactions using the Virtual Terminal. It contains the following information: z Accessing Virtual Terminal z Processing a Virtual Terminal Transaction Accessing Virtual Terminal After setting up your account to use Virtual Terminal, you are ready to process transactions. You can access the Virtual Terminal by logging into your PayPal account at: https://www.paypal.
Performing Transactions Using Virtual Terminal Processing a Virtual Terminal Transaction Enter your order page Perform the following steps on the Enter your order page to process a transaction. FIGURE 4.1 Enter your order page 1. Complete the fields in the payment details section: – Currency - Select the currency type of the transaction from the drop-down menu. – Net amount - Enter the payment amount for the item, without shipping charges and taxes.
Performing Transactions Using Virtual Terminal Processing a Virtual Terminal Transaction Yes. If reset, it can be used for any information without any unique, or alpha, numeric requirements. N O T E : Regardless of the setting, this information does not appear on your credit card statement. Also, this field does not appear if you are performing a Credit transaction. 2. Select a transaction type and enter the credit card information for the transaction.
Performing Transactions Using Virtual Terminal Processing a Virtual Terminal Transaction – – – – – – Billing address- Enter the street number and name of the billing address. City - Enter the city of the billing address. State - Select the state of the billing address from the drop-down menu. Zip- Enter the zip code of the billing address. Phone - Enter the phone number of the billing contact. Email -Enter the email address of the billing contact. 4.
Performing Transactions Using Virtual Terminal Processing a Virtual Terminal Transaction Review your order page The Review your order page displays the information you input on the Enter your order page. FIGURE 4.2 Review your order page Verify the information on this page. Click Edit to return to the previous page to make modifications or click Submit to process the transaction.
Performing Transactions Using Virtual Terminal Processing a Virtual Terminal Transaction Transaction confirmation page The Transaction confirmation page appears when your transaction is successfully submitted. FIGURE 4.3 Transaction confirmation page If the transaction is not successful, you are returned to the Enter your order page instead. There you can review the error messages and make the appropriate modifications to process the transaction again.
Performing Transactions Using Virtual Terminal Processing a Virtual Terminal Transaction z Print packing slip - Print a packing slip to include with the shipment. This is the same as the receipt, however, it does not include the monetary amount of the transaction. If you included information such as invoice ID and description during the transaction, it is displayed on the packing slip.
Performing Transactions Using Virtual Terminal Processing a Virtual Terminal Transaction 22 Virtual Terminal User’s Guide
5 Performing Secondary Tasks Using Existing Transactions After submitting a successful transaction, you can perform several secondary tasks on that transaction.
Performing Secondary Tasks Using Existing Transactions Voiding an Authorization Voiding an Authorization If you initiated an authorization, and now want to refund the customer, you must void the authorization. Voids are available on Authorization transaction types only. After you void an Authorization transaction, you cannot capture any funds associated with that transaction, and the funds are returned to the customer. N O T E : Voiding an authorization cancels the entire open amount.
Performing Secondary Tasks Using Existing Transactions Creating a New Transaction Using Data from a Previous Transaction 4. On the Transaction Details page, click Issue Refund. 5. Enter the full or a partial refund amount and an optional message to the customer, and click Continue. Be sure that the refund amount does not exceed the original amount. 6. On the Review and process refund page, verify the refund amount and click Issue Refund.
Performing Secondary Tasks Using Existing Transactions Creating a New Transaction Using Data from a Previous Transaction – Keep existing - If you want to use the credit card used for the original transaction. The last four digits of the credit card number and the expiration date are displayed. You can modify the expiration date. – Enter a new credit card - If you want to use a different credit card for this transaction, but keep all the customer information associated with the previous transaction.
6 Withdrawing Funds This chapter discusses two methods for withdrawing funds associated with your Virtual Terminal transactions. In order to withdraw funds, you must have a bank account associated with your PayPal account. You can do this by following the instructions in the Adding a Bank Account section.
Withdrawing Funds Withdrawing Funds by Check 3. Click the Withdraw subtab. 4. Click the Request a check from PayPal link. 5. Enter the requested information on the Withdraw Funds by Check page. 6. Click the Continue button. N O T E : Please allow 1-2 weeks to receive your check. If you have not received your check after 14 business days, contact PayPal Customer Service.
7 Virtual TerminalResponse Codes and Messages This chapter contains the Virtual Terminal response codes that may appear on the Virtual Terminal pages. They are arranged in the following categories: z System Response Codes z Card Security Code Responses z Address Verification System Responses System Response Codes This section contains the system response codes and their corresponding messages. TABLE 7.
Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7.1 Virtual Terminal Response Codes 30 Error Code Short Message Long Message Corrective Action 10432 Invalid argument Invoice ID value exceeds maximum allowable length. Ensure that the Invoice ID value does not exceed the maximum allowable length. 10500 Invalid configuration We can’t process this transaction because you have not accepted your billing agreement. Occurs when you have not agreed to the billing agreement.
Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7.1 Virtual Terminal Response Codes Error Code Short Message Long Message Corrective Action 10514 Billing address is missing. Billing address is missing. Enter the correct information. Enter a correct billing address. 10515 The city in the billing address is missing. The city in the billing address is missing. Enter the correct information. Enter the city of the billing address.
Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7.1 Virtual Terminal Response Codes 32 Error Code Short Message Long Message Corrective Action 10528 Unable to make this transaction. We’re unable to complete this transaction because the amount exceeds the payer’s spending limit. Enter the correct amount. 10529 Shipping address is missing. Shipping address is missing. Enter the correct information. Enter the correct shipping address.
Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7.1 Virtual Terminal Response Codes Error Code Short Message Long Message Corrective Action 10538 Filter decline Your maximum amount filter declined this transaction. Log in to PayPal and change your risk settings. The transaction was declined by the maximum amount filter managed by the merchant. To accept this transaction, change your risk settings on PayPal. 10539 Filter decline We’ve declined this transaction.
Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7.1 Virtual Terminal Response Codes 34 Error Code Short Message Long Message Corrective Action 10548 Invalid configuration You need a PayPal Business account for this transaction. Log in to PayPal and check your account settings or apply for a Business account. The merchant account attempting the transaction is not a business account at PayPal. Check your account settings.
Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7.1 Virtual Terminal Response Codes Error Code Short Message Long Message Corrective Action 10557 Profile preference setting A profile preference has automatically declined this transaction. To change this setting, log in to PayPal and go to the Profile page. Change your settings on the Profile page. 10558 Unsupported currency for card type The card you selected doesn’t support this currency. Try a different card or currency.
Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7.1 Virtual Terminal Response Codes 36 Error Code Short Message Long Message Corrective Action 10702 Invalid data Billing address is invalid. Reenter the correct information. There was a problem with a particular field in the address. The long error message will tell you what field is invalid. 10703 Invalid data Billing address is invalid. Reenter the correct information.
Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7.1 Virtual Terminal Response Codes Error Code Short Message Long Message Corrective Action 10710 Invalid data The billing city is invalid. Reenter the correct information. There was a problem with a particular field in the address. The long error message will tell you what field is invalid. 10711 Invalid data The billing state is invalid. Reenter the correct information.
Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7.1 Virtual Terminal Response Codes 38 Error Code Short Message Long Message Corrective Action 10720 Invalid data The shipping address is invalid. Re-enter the correct information. There was a problem with a particular field in the address. The long error message will tell you what field is invalid. 10721 Invalid data The shipping address is invalid. Re-enter the correct information.
Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7.1 Virtual Terminal Response Codes Error Code Short Message Long Message Corrective Action 10730 Invalid data The shipping zip is invalid. Reenter the correct 5-digit zip code. There was a problem with a particular field in the address. The long error message will tell you what field is invalid. 10731 Invalid data The shipping zip is invalid. Reenter the correct 5-digit zip code.
Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7.1 Virtual Terminal Response Codes 40 Error Code Short Message Long Message Corrective Action 10747 Invalid data You entered the IP address in an invalid format. Enter it as 123.456.123.456 The merchant entered an IP address that was in an invalid format. The IP address must be in the following format: 123.456.123.456. 10748 Invalid data Your settings require a CSC code. Re-enter or provide the correct 3 digit code.
Virtual TerminalResponse Codes and Messages System Response Codes TABLE 7.1 Virtual Terminal Response Codes Error Code Short Message Long Message Corrective Action 10759 Gateway decline We declined this transaction because the card number and type don’t match. Re-enter the correct information or contact Customer Service. The transaction was declined by PayPal. Contact PayPal Customer Service for more information.
Virtual TerminalResponse Codes and Messages Card Security Code Responses TABLE 7.1 Virtual Terminal Response Codes Error Code Short Message Long Message Corrective Action 15004 Gateway decline You entered a CSC that doesn’t match this card. Re-enter the correct information. The transaction was declined because the CSC entered does not match the credit card. 15005 Processor decline Your card issuer, not PayPal, declined this transaction. Ask your buyer for another card.
Virtual TerminalResponse Codes and Messages Address Verification System Responses Address Verification System Responses If an AVS error occurs when processing an order, it might be due to out-of-date information in the customer’s credit card company’s database. This can happen if the customer has changed their billing address recently, because some credit card companies can take up to six months to update a billing address in their database.
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8 Canceling or Reactivating Your Virtual Terminal Service This chapter contains information about the following topics: z Canceling Your Virtual Terminal Service z Reactivating Your Virtual Terminal Service Canceling Your Virtual Terminal Service To cancel Virtual Terminal, you must cancel your Merchant Services Billing Agreement.
Canceling or Reactivating Your Virtual Terminal Service Reactivating Your Virtual Terminal Service If you have Virtual Terminal and Website Payments Pro, you will immediately have access to both these services when you reactivate the billing agreement. To reactivate the Merchant Services Billing Agreement for Virtual Terminaland/or Website Payments Pro and Virtual Terminal: 1. Log in to your PayPal account at https://www.paypal.com. 2. Click the My Account tab, and then click the Profile tab. 3.
Index A E Accessing 15 accessing 15 adding extended credit card name 12 address verification system 9 responses 43 authorization 17 capturing 23 voiding 24 AVS 9 email 18 enter your order page 16 errors 29 expiration date 17 B G benefits 7 billing address 18 granting secondary access 13 C capturing authorization 23 card number 17 card security code 9, 17 responses 42 card type 17 city 18 confirming contact information 12 country 17 county 18 creating new transaction 25 credit 17 CSC 9, 17 currency
Index R refund 24 responses address verification system 43 card security code 42 review your order page 19 revoking secondary access 13 S secondary access granting 13 revoking 13 security features 9 address verification system 9 card security code 9 setting up account 11 shipping 16 state 18 T tax amount 16 tax rate 16 total 16 transaction confirmation page 20 transaction ID 20 transaction type 17 V Virtual Terminal accessing 15 benefits 7 enter your order page 16 errors 29 features 7 overview 7 review
