Approval Link™ Credit Card Processing FAQs

This page answers Frequently Asked Questions on the credit card processing software for use with DDMS® Ensite Pro™ business systems, including Approval Link™ credit card processing software and related authorization providers. Topics include comparing versions/providers, setup, level III (3) line item detail processing, and how to take advantage of specific benefits and features.

Manuals | How to Use Specific Features

Approval Link Manuals

How do I set up Approval Link 4.0 for NET1 Payment Solutions?

Available with Ensite Pro 8.12 and above, Approval Link™ 4.0 for NET1 is the direct integration interface between your DDMS system and NET1 Payment Solutions.

Approval Link 4.0 gives you the following edge:

Eliminate middleware — there's no more need for a separate PC on your network, or any third-party software like POS-Partner or Payflo Pro. When you install Ensite Pro 8.12 and higher on your DDMS server, the ECI² Cardlink option installs Approval Link 4.0.
Approval Link 4.0 communicates with NET1 via Web services, so you can look up transactions on the Net1 Virtual Terminal using your Web browser.
You can pass Level III line item detail (requires Approval Link+) in addition to Level I and Level II transaction data. Level III is compatible with major procurement card services including Master Card and Visa (all other cards use Level II).
You can delay capture of funds — with a streamlined process compared to Approval Link 2.0. Approval Link 2.0 ties up funds until the initial hold expires, even after the order is billed and debited, because the invoice is sent in a separate transaction. With Approval Link 4.0 for NET1, a single reference number marries the authorization with the invoice.

The first step in getting started with Approval Link 4.0 is to contact Brian Morabito (brian@net1creditcard.com) at NET1 Payment Solutions (1-800-718-8005).

For detailed instructions on the information you need to gather and the steps involved in setup, authorization, and use, see Credit Card Processing with Approval Link 4.0 (pdf).

How do I set up Approval Link 3.0 for VeriSign™/Paypal Payflo Pro®?

Approval Link 3.0 for VeriSign™ PayFlo Pro® gives you the following advantages:

It communicates with PayFlow Pro® via Web services, so you can look up transactions on PayFlow Manager using your Web browser.
You can pass Level III line item detail (requires Approval Link+) in addition to Level I and Level II transaction data. Level III is compatible with all major credit card services including MasterCard, Visa, and American Express/Optima. All other cards use level 2).
You can delay capture of funds — with a streamlined process compared to Approval Link 2.0. Approval Link 2.0 ties up funds until the initial hold expires, even after the order is billed and debited, because the invoice is sent in a separate transaction. With Approval Link 3.0 for PayFlow Pro, a single reference number marries the authorization with the invoice.

Note: PayPal acquired Payflow Pro from VeriSign in late 2005. For more information, see Verisign's Online Payment Processing page and PayPal's Payflow Support.

For detailed instructions on the information you need to gather and the steps involved in setup, see Credit Card Processing with Approval Link 3.0 (pdf).

How do I set up Approval Link 2.0 for POS-Partner?

Setting Up and Using Credit Cards and Approval Link 2.0 (pdf) Approval Link™ 2.0 is the interface between your DDMS system and POS-Partner automated authorization and capture software. Learn how to set up and use Approval Link™ software to process credit card and other transactions with POS-partner.

How do I set up Approval Link™ 2.0 for Paradata Systems?

Paradata Systems is not taking on new customers. This document is here strictly for existing Paradata customers' reference as needed to check or redo setup.

Setting Up and Using Credit Card Processing in Canada (pdf) Learn how to use Approval Link™ 2.0 as the interface between your DDMS system and Paradata Systems automated authorization and capture software to process credit cards in Canada.

Credit Card Processing FAQs

What Is Approval Link and What Does It Automate?

Approval Link is a key component in a network of connections that let you accept procurement, corporate, major, and private-label credit cards from your customers.

The Approval Link application automates the following functions:

Receives merchant, customer, and transaction data when Pay on Prepay is executed in Ensite Pro, either on individual orders or in batches.
Translates the data to the appropriate proprietary format for your authorization service provider.
Establishes a Secure Socket Layer (SSL) connection with your authorization provider, so that all transaction data is encrypted.
Transmits a request for authorization to capture funds across your TCP/IP network connection to your authorization provider.
Receives authorization numbers from your authorization provider.
Writes the authorization numbers to your Ensite Pro O/E History data for each transaction.

Before DDMS introduced Approval Link software years ago, dealers manually entered credit card transactions into a separate system for authorization.

What Do the Different Versions of Approval Link Do?

Different versions of Approval Link have been developed to automate the process of credit card authorization, by translating into the appropriate proprietary formats for each authorization provider:

Approval Link 1.0 connected to Cybercash (formerly Tellan) PC Authorize (no longer supported).
Approval Link 2.0 connects to TSYS® (formerly Vital) POS-Partner and Paradata Systems (for Canadian dealers).
Approval Link 3.0 connects to VeriSign™ Payflow Pro®.
Approval Link 4.0 connects to NET1 Payment Solutions.

What are the General Benefits of using Approval Link?

All currently supported versions of Approval Link offer dealers the following benefits:

Use of approved DDMS Ensite Pro point-of-sale equipment
Authorization of credit card orders placed through your integrated Web storefront (such as the Dealer Station® and ecInteractive™ product families).
Fast, reliable TCP/IP connections from your server to the authorization provider
Level I transaction detail such as the merchant's name, merchant category code, the transaction amount, and the date
Level II transaction detail such as the above basics plus sales tax amount, customer accounting code, merchant postal code, merchant minority code, and merchant state code
Compatibility with all major credit card services
Acceptance of procurement, corporate, major and private label credit cards
Acceptance of multiple merchant IDs (for example, by location)
Flexibility in changing Prepay transactions
Control of approval numbers and dollars
Merging of the flow for bill-completes and credit card authorization

How Do I Offer Level III Line Item Detail for Procurement Accounts?

Approval Link + is an optional DDMS product that enables Level III transaction detail, which may be critical to serve corporate or government procurement accounts, and can be a significant factor in lowering your costs for credit card processing.

Level III transaction detail includes Level I and II details plus line item details such as quantities, product codes, descriptions, ship to ZIP, freight amount, and duty amount.

Approval Link+ can be used with any other currently supported version of Approval Link. It may require authorization, as does Approval Link 4.0. For detailed instructions, see the "Credit Card Processing with Approval Link" manual for your authorization service provider.

What are the main differences between Approval Link versions (POS-Partner, VeriSign, and NET1)?

The table and footnotes below compare each Approval Link version based on five cases where they differ.

**Compare Approval Link™ Versions**
Feature	2.0 for POS-Partner	3.0 for VeriSign PayFlo Pro®	4.0 for NET1
Free DDMS Authorization	+	—¹	+
Use any merchant processor who can receive data from it	+	+	—²
Level 3 line item detail processing for all transactions	limited³	+	+
Delay capture of funds (Authorization reconciles with capture)	—	+	+
Web-based (no software required on separate machine)	—	+	+

¹ For authorization of Approval Link 3 for VeriSign PayFlo Pro, contact ECI² Sales.
² NET1 serves as both authorization service and merchant account processor.
³ POS-Partner's processes level 3 detail for all non-taxable accounts (except Amex), but only Visa taxable.

Will installing ECI² Cardlink interfere with my existing services?

During installation of Ensite Pro Server in versions 8.12 and higher, you are given the option to install Cardlink. Rest assured, installing Cardlink will NOT interfere with your existing credit card services.

The Cardlink software will not be activated until you configure Utility Extensions for use with NET1, following the setup instructions in Credit Card Processing with Approval Link 4.0 for NET1.

Note: Cardlink merely establishes the channel for communicating directly with NET1 Payment Solutions via Web Services.

If you have not installed Cardlink, you will need to install Ensite Pro 8.12 or higher with the Cardlink option enabled, before setting up Approval Link 4.0 for NET1 Payment Solutions.

How do I set up multiple merchant IDs by location?

One benefit of all versions of Approval Link is the ability to set up multiple merchant IDs by location. To do so, set up the (+VI) Approval Link ID Setup screen. See Setting Up Multiple Merchants by Locations.

How do I control advance payment percentage?

One benefit of all versions of Approval Link is the ability to control what percentage of an order must be paid in advance.

In the (LG5) Additional Order Entry Parameters screen, you can set the Default Prepay Due As% Of Backorders field to require a percentage of the remaining backorder amount as advance payment each time you use pay code [4] Prepay or [P] Pay on Prepay.

If you leave this field blank, the customer must pay only the shipped total. If you enter 100 in this field, the customer must pay for the entire order in advance.

If you require a 50% advance payment on special orders, for example, you enter a prepay order with in-stock items that total $5.00 and backordered items totaling $10.00. This means that the customers must pay $10.00 — $5.00 for the in-stock items and $5.00 as advance payment for the backordered items. When some of the backordered items are received and delivered, the received items total $5.00, which the customer has already paid in advance. However, since you also require that the customer pay 50% of the backorder total, you would bill the customer $2.50 at this time. For more information, see In the LG5 Screen.

Note: If you set the Default Prepay Due to Ø, you can set your (LA2) screen to use the Pre-Authorize Credit Cards Through the Gateway When Zero Amount is Due field to pre-authorize credit cards.

How do I control authorization number assignment?

One benefit of all versions of Approval Link is the ability to control whether you are prompted for an authorization number.

In the (LA2) A/R Parameters screen, you can use the Require Authorization On Credit Card Payments field to prompt for an authorization number on credit card transactions. If you use POS-partner, the authorization number is automatically assigned. With other services, you can manually enter an authorization number. Type Y to require an authorization number. If you do not use POS-partner, you must enter the number manually. Type N if you do not require authorization numbers for credit card. For more information, see In the LA2 Screen.

How do the flows of bill-completes and credit card authorization merge?

One benefit of all versions of Approval Link is the ability to merge the flow of processing batch bill-completes and credit card authorizations.

To do so, you will use a combination of the (TR-B) Bill Complete option and the (TR-P) Credit Card Service Capture and Invoicing of Prepay Orders option in the Standard Order Entry Reports.

As you may know, Bill Complete lets you delay a customer's invoice from automatically flowing to accounts receivable until the order ships. In the Customer Order Entry tab, the Hold Invoices box indicates whether you’ve set up the customer for “C” Bill Complete or “S” Bill/Ship Complete.

After the order ships, running the (TR-B) Bill Complete function releases the bill complete invoices to A/R and moves credit card orders to a status 8 or 9. When you execute the (TR-P) Credit Card Service Capture and Invoicing of Prepay Orders, the uninvoiced credit card orders are transmitted to your credit card authorization service, set to a status B Invoice, and released to A/R.

How does delaying the capture of funds work?

One benefit of all versions of Approval Link is the ability to delay the capture of funds. It is a widely used practice for merchants whose items may not in stock at the time of the order, However, it works differently with various authorization providers.

In general, your authorization service confirms the availability of funds in the customer’s account, and allows you to authorize either a partial or full amount of the order.

This initial authorization earmarks or “holds” the requested funds, which may reduce the customer’s available balance for subsequent purchases. In many cases, this gives the merchant the opportunity to capture the funds billed, reauthorize a slightly different amount, or void the authorization, until the authorization expires. The expiration period and the reauthorization limits are set by your credit card authorization service.

Using Approval Link 2.0 with POS-Partner ties up the customer’s funds until the initial hold expires, even after the order is billed and debited, because the invoice is sent in a separate transaction.

With Approval Link 3.0 for VeriSign and with Approval Link 4.0 for NET1, a single reference number marries the authorization with the invoice.

How can I exercise flexibility in changing Prepay transactions?

A benefit of all versions of Approval Link is flexibility in changing Prepay transactions.

As discussed above, when you delay capture of funds, you can authorize either a partial or full amount of the order, and you then have some time to capture the funds billed, reauthorize a slightly different amount, or void the authorization, until the authorization expires.

For more information, see online help topics related to Understanding Prepay Orders and Pay on Prepay Orders.

Do I use (TR-K) Gateway Credit Cards Report or (TR-P) Credit Card Service Capture and Invoicing of Prepay Orders?

Tech Note #257: (TR-K) vs. (TR-P) for Prepays and Credit Cards In the (TR) Order Entry Standard Reports screen, there are two credit card selections that are closely related and often confused: (TR-K) Gateway Credit Cards Report and (TR-P) Credit Card Service Capture and Invoicing of Prepay Orders. Learn how each selection works and when it is best to use each one.