PayPal Virtual Terminal - 2009 User's Guide
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.
Last updated: August 2009
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 writ ten approval of PayPal, Inc.
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Preface
P
About This Guide
The PayPal Virtual T erminal User’s Guide describes how to set up and use V irtual 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.
Intended Audience
This guide is for merchants that receive orders by phone, fax, card reader, or by mail and want
to use Virtual Terminal to process credit cards.
Documentation Feedback
Help us improve this guide by sending feedback to:
documentationfeedback@paypal.com
Virtual Terminal User’s Guide 3
Preface
P
Documentation Feedback
4 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 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Features and Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Chapter 2 Security Features . . . . . . . . . . . . . . . . . . . . . . 9
Card Security Code . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Address Verification System . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Chapter 3 Setting Up Your Account Before Using Virtual Terminal . .11
Adding a Bank Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Confirming Contact Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Verifying an Extended Credit Card Name . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Granting Secondary Access to Virtual Terminal . . . . . . . . . . . . . . . . . . . . . . . 13
Revoking Secondary Access to Virtual Terminal. . . . . . . . . . . . . . . . . . . . . . . 13
Chapter 4 Performing Transactions Using Virtual Terminal . . . . . . 15
Accessing Virtual Terminal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Processing a Virtual Terminal Transaction. . . . . . . . . . . . . . . . . . . . . . . . . . 15
Enter your order page . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Review your order page . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
Transaction confirmation page. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
Chapter 5 Performing Secondary Tasks Using Existing Transactions .23
Capturing an Authorization. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
Voiding an Authorization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
Virtual Terminal User’s Guide 5
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 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
Chapter 7 Virtual TerminalResponse Codes and Messages . . . . . .29
System Response Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
Card Security Code Responses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42
Address Verification System Responses. . . . . . . . . . . . . . . . . . . . . . . . . . . 43
Chapter 8 Canceling or Reactivating Your Virtual Terminal Service . .45
Canceling Your Virtual Terminal Service. . . . . . . . . . . . . . . . . . . . . . . . . . . 45
Reactivating Your Virtual Terminal Service. . . . . . . . . . . . . . . . . . . . . . . . . . 45
6 Virtual Terminal User’s Guide
Getting Started with Virtual
1
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.
You can use Virtual Terminal on any computer with an internet connection and a web browser .
NOTE:For best performance, use Internet Explorer 6.0, Netscape Navigator 7.0, or FireFox
1.0.
Features and Benefits
Here are the features and benefits of Virtual Terminal:
z Grow your business - Accept orders and process payments for major credit cards. Extend
your reach to customers who prefer not to pay online, including customers who do not have
a PayPal account.
z Use PayPal as a one-stop payment solution - Process your customers’ orders through a
PayPal-hosted online payment form. You do not need a separate merchant account.
z Keep costs low - Pay the same low processing rate for all card types.
NOTE:PayPal’s Seller Protection Policy does not apply to transactions processed using V irtual
Terminal.
Virtual Terminal User’s Guide 7
Getting Started with Virtual Terminal
Features and Benefits
8 Virtual Terminal User’s Guide
Security Features
2
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. It helps to protect against fraud by
helping to ensure that a person cannot use credit card details to make a transaction without
being in possession of the actual card itself.
When you process an order using the Virtual Terminal, you enter the credit card’s CSC on the
Enter your order page.
z For Visa, MasterCard, and Discover, three-digit CSC is printed on the back of the card
immediately next to the card’s account number.
z For American Express, the four-digit CSC is printed on the front of the card above the
card’s account number.
When you finish entering an order in Virtual Terminal, the CSC you entered is checked by
PayPal and a CSC response code is displayed. This code tells you about the status of the CSC
check. For details about what the codes mean, see “Card Security Code Responses” on
page 42.
Address Verification System
Address Verification System (AVS) matches the number portion of the customer’s billing
address that is on file at the cardholder’s issuing bank against the billing address you enter in
Virtual Terminal. If the information does not match, the transaction is declined.
NOTE:AVS is primarily available for US-based cards, with limited international support.
When you finish entering an order in Virtual Te rminal, PayPal perform s the AVS match and an
AVS response code is displayed. The code tells you what part of the entered customer’s billing
address was matched by AVS. If you want to only accept AVS positive transactions, then you
should process Authorization and Capture transactions based on the response. For details
about what the codes mean, see “Address Verification System Responses” on page 43.
Virtual Terminal User’s Guide 9
Security Features
Address Verification System
10 Virtual Terminal User’s Guide
Setting Up Your Account Before
3
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. The tasks are:
z Adding a Bank Account
z Confirming Contact Information
z Verifying an Extended Credit Card Name
z Granting Secondary Access to Virtual Terminal
z Revoking Secondary Access to Virtual Terminal
Adding a Bank Account
To add a ban k account to your PayPal account:
1. Log in to your PayPal account at
2. Click the Add a bank link in the Next Steps box.
3. On the Link your bank account page, complete the fields, and click Continue.
NOTE:You must confirm your bank account before you can add funds to your PayPal
account. PayPal automatically sends two deposits to bank account you have added.
The amount of each deposit is between 0.01 and 0.99 and usually appears in your
account in 2-3 business days.
4. Once you have received the two deposits, log in to your PayPal account, and then click the
Confirm Bank Account link in the Next Page box.
5. Enter the deposit amounts on the Confirm Bank Account page, and then click Submit.
Once you have confirmed your bank account, you can access your funds by requesting an
electronic funds transfer or a check.
https://www.paypal.com.
Virtual Terminal User’s Guide 11
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. Log in to your PayPal account at
2. Click the Profile tab.
3. In the Account Information column, click Business Information.
4. On the Review your information page, verify the contact information.
5. If you need to make modifications, click Edit and enter your updated information. Make
sure that the following information is accurate:
– Customer Service email - This email address is included in emails from PayPal to your
customers. Customers may use this email to contact you.
– Customer Service phone -This phone number is printed on customers’ credit card
statements. Customers may use this number to contact you.
6. Click Save.
https://www.paypal.com.
Verifying an Extended Credit Card Name
The extended credit card name is the business name that appears on your customers’ credit
card statements along with the amount of the Virtual Terminal transaction.
The name can be up to 19 characters long, including spaces, and should include alpha and
numeric characters only . The name is printed in all caps on credit card statements and might be
truncated by some card processors.
To set up your extended credit card name:
1. Log in to your PayPal account at
2. Click the Profile subtab.
3. In the Security and Risk Settings column, click the Payment Receiving Preferences
link.
4. In the Extended Credit Card Statement Name field, enter your business name as you
want it to appear on your customers’ credit card statements.
5. Click Save.
12 Virtual Terminal User’s Guide
https://www.paypal.com.
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 V irtual Terminal. To do this , add them to your account as secondary users and then grant
them permission to use Virtual Terminal through PayPal’s Multi-User Access feature.
Multi-User Access enables you to grant multiple secondary users various levels of access to a
single PayPal account. You can add up to 200 secondary users to your PayPal account.
NOTE:The account owner is the only user on the account that can change the secondary users’
access privileges.The secondary users do not have full access to all features of your
PayPal account, they only have access to the features you grant them access to.
To grant a secondary user access to Virtual Terminal:
1. Log in to your PayPal account at
2. Click the Profile tab.
3. In the Account Information column, click the Manager Users link to view all your
current users.
4. On the Manager Users page, click Add User to add secondary users.
5. On the Add Users page, enter the user’s name, user ID, and password in the appropriate
fields.
6. Select the Virtual Terminal checkbox.
7. Click Save.
The user is added to your account as a secondary user with permission to use Virtual Terminal.
https://www.paypal.com.
Revoking Secondary Access to Virtual Terminal
For security reasons, you may need to revoke a user’s access to Virtual Terminal.
To revoke a user’s access to Virtual Terminal:
1. Log in to your PayPal account at
https://www.paypal.com.
2. Click the Profile tab.
3. In the Account Information column, click the Manager Users link.
4. Select the user whose access you wish to revoke, and click Edit.
5. On the Edit User Access page, deselect Virtual Terminal.
6. Click Save.
Virtual Terminal User’s Guide 13
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.
14 Virtual Terminal User’s Guide
Performing Transactions Using
4
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.com
Processing a Virtual Terminal Transaction
This section explains how to perform a Sale, an Authorization, or a Credit (if applicable)
transaction using the Virtual Terminal.
Processing an order using the Virtual Terminal is a three-step process:
1. Enter the transaction information on the Enter your order page.
2. Verify the information and submit the transaction on the Review your order page.
3. If the transaction is successful, view the transaction details on the Transaction
confirmation page.
Virtual Terminal User’s Guide 15
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