Connecting to PaymentTrust's Secure Transaction Network - WorldPay

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through a reader/sorter, it passes through two magnetic heads. The first one magnetizes the MICR character and the second one reads the (now) magnetic MICR character. Also referred to as Magnetic Ink Check Reader. Manual Entry Credit card information that is entered via the e-Transaction Terminal of PaymentTrust TM Payment Manager. Manual Refund A transaction that returns the specified amount to the cardholder's account. MasterCard An association of banks that governs the issuing and acquiring of MasterCard credit card transactions and Maestro debit transactions. Member A financial institution that is a member of Visa USA and/or MasterCard International. A member is licensed to issue cards to cardholders and/or accept merchant drafts. Merchant A retailer, or any other entity (pursuant to a Merchant Agreement), that agrees to accept credit cards, debit cards, or both, when properly presented. Merchant Agreement A written agreement between a merchant and a bank (or possibly between a merchant, a bank and ISO) summarizing their respective rights, duties and warranties with respect to acceptance of the bank card and matters related to bank card activity. Merchant Bank A bank issuing an agreement to a merchant to accept (acquire) deposits generated by bank card transactions. Merchant Category Code A code assigned by an acquirer to a merchant to identify the merchant's principal trade, profession, or line of business. This 4-digit code is also know as the SIC code. Merchant Discount Compensation received by a bank from a merchant for processing and accepting credit card risk on the merchant's credit card sales. Merchant Number A series or group of digits that uniquely identifies the merchant to the merchant's signing bank for account and billing purposes. Merit Refers to the qualification levels for a MasterCard transaction. Merit III is the highest discount, followed by Merit II, Merit I, and then Standard. MICR Number See Magnetic Ink Character Recognition. MO/TO Mail Order/Telephone Order credit card transactions. MPI Merchant Plugin. 3 rd party software used by a merchant to authenticate 3D Secure transactions. 310
MSP See Member Service Provider. N Network See Processor. Also used to refer to communication networks like AT&T or CompuServe. Non-Qualified A broad term that describes a transaction that did not interchange at the best rate, because it was entered manually, was not deposited in a timely manner, or the data set required for the best interchange was not provided. O ODFI See Originating Depository Financial Institution. Open to buy The amount of credit available at a given time on a cardholder's account. Operator A central clearing facility that provides distribution and deposit of ACH transactions. ACH operators clear debits and credits electronically, rather manually. Currently four ACH Operators exist: the Federal Reserve System, which clears approximately 80% of all ACH transactions, Visanet ACH, New York ACH, and American ACH. Original Draft The original copy of the forms and signatures used in the transaction. Also referred to as the hard copy. Originating Depository Financial Institution A financial institution that initiates and warrants electronic payments through the ACH network on behalf of its customers. Originator A company or other business entity that creates entries for introduction into the ACH network. For example, a billing company produces debit entries from customers' financial institution accounts who have authorized direct payment for products and services. P PAN See Primary Account Number. PIN Personal Identification Number used by a cardholder to authenticate card ownership for ATM or debit card transactions. The cardholder enters his/her PIN into a keypad. The PIN is required to complete an ATM/debit card transaction. Point Of Sale The place and time at which a transaction occurs. Point of Sale (POS) also refers to the devices or software used to capture transactions. 311
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Connecting to PaymentTrust’s Secu
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3 STLink will return the following
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5 PaymentTrust Simultaneous Forced
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© 2000-2006 PaymentTrust Ltd. All
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3 Introduction The Secure Transacti
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11 Authentication Communication STl
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6 Transaction Specifications 6.1 Tr
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15 Supplementary (Q) Request: Payme
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Field Name Data Type Data Size Desc
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RiskGuardian Request (RG) with Requ
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STLink will return the following Re
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STLink will return the following it
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Sample Response: MerchantId^100000~
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PaymentTrust Forced Refund Request
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Sample Input String: StringIn=Versi
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PaymentTrust PayBack with Cheque Re
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PaymentTrust Simultaneous Authoriza
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PaymentTrust Refund Request (PT)(R)
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3D Secure Requests 3D Secure Verify
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42prrAKtOVtKyyJuebEvR6MOzpDExnYxLLM
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Foreign Exchange Requests Foreign E
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Supplementary Requests Supplementar
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Sample Response: MerchantId^100000~
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STLink will return the following Re
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Supplementary (Q) Request for Batch
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6.3 XML Definitions RiskGuardian Re
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RiskGuardian Request (RG) with Requ
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Data Sharing PayBack with Electroni
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Request Response 197
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PaymentTrust
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Payment
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PaymentTrust Bank Transfer ID Reque
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Request Response
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Request Response
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Request Response
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Request Response
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PaymentTrust Forced Authorization B
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Request Response
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PaymentTrust PayBack with Credit Ca
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PaymentTrust Refund Batch Request (
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3D Secure Verify Enrollment Request
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Foreign Exchange Refund Request (FX
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Identify Me Request (IM) Request Re
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RiskGuardian (RG) Supplementary (Q)
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PaymentTrust (PT) Supplementary (Q)
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Foreign Exchange Supplementary (Q)
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DataShare: Historical Data Loading
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Colum Data M=Mandatory Fields n Fie
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Page 259 and 260: Colum Data M=Mandatory Fields n Fie
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Page 263 and 264: 7 DEVELOPMENT Developing for STLink
Page 265 and 266: C++ code sample Communication with
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Page 279 and 280: Currency IDs 279 Country Name Count
Page 281 and 282: PaymentTrust Result Codes 281 Appen
Page 283 and 284: Message Code Description Explanatio
Page 289 and 290: Country Codes 289 Appendix E Countr
Page 291 and 292: 291 Country Name ISO Country Code G
Page 293 and 294: 293 Country Name ISO Country Code Q
Page 295 and 296: State/Province/Region Codes 295 App
Page 297 and 298: State/Region Code Country Australia
Page 299 and 300: Commodity Code Description 9360 EMP
Page 301 and 302: Commodity Code Description 6360 STO
Page 303 and 304: Glossary of useful terms A ABA See
Page 305 and 306: One one-hundredth of a percent. Dis
Page 307 and 308: Conversion Rate The conversion rate
Page 309: Fraudulent Transaction A transactio
Page 313 and 314: Qualification A level at which a tr
Page 315 and 316: Track 1 Bank discretionary data enc
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