VeriFone PCC-5-7-1h User Manual
Electronic Payment Processing Software
Setup Guide and User's Manual
Copyright October 2005, VeriFone Inc.
PCC-5-7-1h
Notice
Copyright October 2005, VeriFone Inc. All rights reserved. active-Charge, active-Charge
SDK, PCCharge Payment Server, PCCharge Pro, PCCharge DevKit, Virtual-Charge, IPCharge are trademarks and PC-Charge is a registered trademark of VeriFone Inc.
Microsoft is a registered trademark and Windows is a trademark of Microsoft Corporation.
Other brands and their products are trademarks or registered trademarks of their respective
holders and should be noted as such.
© VeriFone Inc.
Parkway Business Center
5000 Business Center Drive, Suite 1000
Savannah, Georgia 31405
Technical Support: (877) 659-8981
Fax: (912) 527-4596
2
Software License
IMPORTANT
CAREFULLY REVIEW THIS AGREEMENT BEFORE CONTINUING THE
INSTALLATION OR USE OF THE VERIFONE, INC. ("VERIFONE") SOFTWARE
("SOFTWARE"). THIS END-USER LICENSE AGREEMENT ("AGREEMENT") IS
A LEGAL AGREEMENT BETWEEN YOU (EITHER AN INDIVIDUAL OR A
SINGLE ENTITY) ("YOU") AND VERIFONE. IF YOU DO NOT AGREE TO THE
TERMS OF THIS AGREEMENT, TERMINATE THIS INSTALLATION AND
PROMPTLY RETURN ALL SOFTWARE AND DOCUMENTATION, IF
APPLICABLE, TO THE PLACE YOU OBTAINED THE SOFTWARE FOR A
FULL REFUND. THE SOFTWARE INCLUDES COMPUTER SOFTWARE, THE
ASSOCIATED MEDIA, ANY PRINTED MATERIALS, AND ANY "ONLINE" OR
ELECTRONIC DOCUMENTATION. BY DOWNLOADING THE SOFTWARE
AND/OR OPENING THE SOFTWARE PACKET(S) AND/OR USING THE
SOFTWARE, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS
AGREEMENT, UNDERSTAND IT AND AGREE TO BE BOUND BY ITS TERMS.
1. GRANT OF LICENSE. Subject to the terms and conditions of this Agreement and
your payment of the applicable license fees, VERIFONE grants You a limited,
nontransferable, nonexclusive license to use the Software solely (i) in object
(executable) code form, (ii) on a single computer (the "Computer"), and (iii) for your
internal use and without any further rights. You understand that You must comply with
VERIFONE's Software registration policies and the failure to comply with those
policies may result in the disablement of the Software. The Software is in "use" on a
computer when it is loaded into temporary memory (i.e. RAM) or installed into
permanent memory (e.g. hard disk, CD-ROM, or other storage device) of a computer.
2. COPYRIGHT. The Software and all copies provided to you are licensed and not sold.
All title to the Software resides and remains in VERIFONE and its suppliers. The
Software is protected by U.S. copyright laws and international copyright treaties. You
may make one copy of the Software solely for backup or archival purposes. You may
not copy any documentation accompanying the Software.
3. OTHER RESTRICTIONS. You may not decompile, disassemble, or otherwise reverse
engineer the Software, except to the extent that the foregoing restriction is expressly
prohibited by applicable law. You may not sublicense, lend, lease, donate, sell, load,
pledge, transfer, or distribute (on a temporary or permanent basis) the Software. You
may not use the Software for commercial time-sharing, rental, or service bureau use.
4. U.S. GOVERNMENT RESTRICTED RIGHTS. The Software is provided with
RESTRICTED RIGHTS. Use, duplication, or disclosure by the Government is subject
to restrictions as set forth in subparagraph (c)(1)(ii) of the Rights in Technical Data
and Computer Software clause at DFARS 252.227-7013 or subparagraphs (c)(1) and
(2) of the Commercial Computer Software -- Restricted Rights at 48 CFR 52.227-19,
as applicable. Contractor/manufacturer is VeriFone, Inc., 5000 Business Center Drive,
Suite 1000, Savannah, GA 31405.
3
5. LIMITED WARRANTY/REFUND/SUPPORT. VERIFONE warrants that the magnetic
media on which the Software is contained shall be free from defects in materials and
workmanship under normal use for a period of (60) days after the purchase date. If
you discover physical defects in the media on which the Software is distributed,
VERIFONE will replace the media within that warranty period. If You are not
completely satisfied with the Software, you may return it to the reseller or other place
of purchase ("Reseller") for a refund, provided that you do so within thirty (30) days of
installation and provided that in no event shall You return the Software later than one
(1) year after VERIFONE provided the Software to the Reseller. VERIFONE agrees to
provide you with free telephone support for a period of sixty (60) days from installation,
provided that in no event shall You be entitled to such support no later than one (1)
year after VERIFONE provided the Software to the Reseller. You agree that it is Your
responsibility to determine when VERIFONE provided the Software to the Reseller.
Telephone support shall occur during the hours of 9 a.m. to 8 p.m. Eastern Time,
Monday through Friday (excluding holidays) and is subject to change.
6. NO OTHER WARRANTIES. EXCEPT FOR THE WARRANTIES PROVIDED
HEREIN, THE SOFTWARE IS PROVIDED "AS IS" AND, TO THE MAXIMUM
EXTENT PERMITTED BY APPLICABLE LAW, VERIFONE DISCLAIMS ALL OTHER
WARRANTIES REGARDING THE SOFTWARE, EXPRESSED OR IMPLIED, AND
INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THIS
LIMITED WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS. YOU MAY HAVE
OTHER RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.
7. NO LIABILITY FOR CONSEQUENTIAL DAMAGES. VERIFONE AND ALL PARTIES
INVOLVED IN THE CREATION OR DELIVERY OF THE SOFTWARE TO YOU
SHALL HAVE NO LIABILITY TO YOU OR ANY THIRD PARTY FOR SPECIAL,
INCIDENTAL, INDIRECT, EXEMPLARY, AND CONSEQUENTIAL DAMAGES
(INCLUDING, BUT NOT LIMITED TO, LOSS OF PROFITS, GOODWILL OR
SAVINGS, DOWNTIME, DAMAGE TO OR REPLACEMENT OF SOFTWARE AND
DATA) ARISING FROM CLAIMS BASED IN WARRANTY, CONTRACT, TORT OR
OTHERWISE, RELATING IN ANY MANNER TO THE SOFTWARE, EVEN IF
VERIFONE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH CLAIM OR
DAMAGE. IN ANY CASE, VERIFONE'S ENTIRE LIABILITY RELATING IN ANY
MANNER TO THE SOFTWARE, REGARDLESS OF THE FORM OR NATURE OF
THE CLAIM, SHALL BE LIMITED TO THE AMOUNT ACTUALLY PAID BY YOU FOR
THE SOFTWARE. ANY WRITTEN OR ORAL INFORMATION OR ADVICE GIVEN BY
VERIFONE'S DEALERS, DISTRIBUTORS, AGENTS OR EMPLOYEES WILL IN NO
WAY INCREASE THE SCOPE OF THIS WARRANTY. BECAUSE SOME STATES
DO NOT ALLOW THE EXCLUSION OR LIMITATION OF IMPLIED WARRANTIES
OR LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE
LIMITATION MAY NOT APPLY TO YOU.
8. TERMINATION. Either party may terminate this Agreement at any time as a result of a
material breach by the other party by giving written notice of termination to the other
party. Unless otherwise agreed to by the parties in writing, upon the expiration or
termination of this Agreement, You shall immediately remove from your Computer all
copies of the Software.
9. EXPORT/LAWS. You shall fully comply with all laws and regulations of the United
States and other countries relating to the export, import and use of the Software. You
will defend, indemnify and hold harmless VERIFONE from and against any and all
claims, proceedings, losses, damages, liabilities, fines, penalties, costs, and fees
(including reasonable attorneys' fees) arising in connection with any violation of any
regulation of any United States or other governmental authority relating to the use of
the Software by You or your agents.
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10. THIRD PARTY BENEFICIARIES. You are hereby notified that persons and entities
that have licensed software to VERIFONE for inclusion in the Software are third party
beneficiaries to this Agreement as it applies to their respective software product(s)
included in the Software.
11. MISCELLANEOUS. The Agreement and any attached Exhibits constitutes the entire
agreement between VERIFONE and You and it supersedes all prior or
contemporaneous communications and proposals, whether electronic, oral or written
that relate to its subject matter. This Agreement will be governed by the laws of the
State of Georgia without regard to its conflict of law provisions. Each party consents to
the exclusive jurisdiction and venue of the appropriate courts in Chatham County,
Georgia, for all disputes arising out of or relating to this Agreement. The prevailing
party in any action or proceeding to enforce its rights hereunder shall be entitled to
recover reasonable attorneys' fees and other reasonable costs incurred in the action
or proceedings. The failure of a party to exercise or enforce any right or provision of
this Agreement will not constitute a waiver of such right or provision. This Agreement
is between independent contractors and no joint venture, partnership, or employment
relationship exists between the parties as a result of this Agreement and neither party
has the authority to make representations on behalf of or legally bind the other.
Neither party may assign this Agreement, in whole or in part, without the other party's
written consent, which consent shall not be unreasonably withheld. If any provision of
this Agreement is found by a court of competent jurisdiction to be invalid, the parties
nevertheless agree that the court should endeavor to give the maximum effect to the
parties' intentions as reflected in the provision, and that the other provisions of the
Agreement shall remain in full force and effect. Neither party shall use the name or
marks, refer to or identify the other party in advertising or publicity releases, promotional or
marketing correspondence to others without first securing the written consent of such
other party. Each party agrees that it will not unduly delay in responding to such a request.
In addition to those obligations that have accrued prior to termination, Sections 3, 4
and 6 through 11 shall survive any termination of this Agreement. All notices,
demands, or consents required or permitted hereunder shall be in writing and shall be
delivered in person or sent via overnight delivery or certified mail to the respective
parties at the addresses set forth herein or at such other address as shall have been
given to the other party in writing. Such notices shall be deemed effective upon the
earliest to occur of: (i) actual delivery; or (ii) three days after mailing, addressed and
postage prepaid, return receipt requested. All notices to VERIFONE shall be sent to
the attention of VERIFONE's Executive Vice President.
5
Table of Contents
Notice...................................................................................2
Software License ................................................................3
Introduction.......................................................................10
Important Security Notice ................................................11
System Requirements ......................................................14
SSL Requirements.............................................................................................................. 14
Windows 98 SSL Upgrade Instructions ...................................................................... 15
Windows NT SSL Upgrade Instructions...................................................................... 16
Upgrade Preparation ........................................................18
Upgrading PCCharge........................................................20
Installation.........................................................................21
Welcome!............................................................................................................................ 22
License Agreement............................................................................................................. 23
Setup Type.......................................................................................................................... 24
Choose Destination Location.............................................................................................. 25
Select Features................................................................................................................... 26
Ready to Install! .................................................................................................................. 27
Installing.............................................................................................................................. 28
Installation Completed!........................................................................................................ 29
The Setup Process............................................................30
Starting PCCharge Payment Server ................................................................................... 31
Accessing the User Interface.............................................................................................. 32
Do you have a Configuration Disk?..................................................................................... 33
Entering your Serial Number...............................................................................................34
Preferences......................................................................................................................... 35
Advanced Configuration Setup ........................................................................................... 39
Merchant Setup Wizard....................................................................................................... 41
Credit Card Processing Company Setup.................................................................... 42
Register New Merchant License................................................................................. 43
Credit Card Processing Company Extended Data Fields........................................... 44
Split Dial/Settle Setup ................................................................................................. 45
American Express Split Dial Setup ............................................................................. 46
AMEX Settle Setup ..................................................................................................... 50
Debit Card Company Setup........................................................................................ 53
Debit Card Company Extended Data Fields............................................................... 55
Check Services Company Setup ................................................................................ 56
Check Services Company Extended Data Fields ....................................................... 58
EBT Processing Company Setup................................................................................ 59
EBT Company Extended Data Fields ......................................................................... 61
Gift Card Processing Company Setup........................................................................ 62
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Gift Card Company Extended Data Fields.................................................................. 64
Company Information Setup ....................................................................................... 65
Address Verification Setup.......................................................................................... 66
Card Verification Setup............................................................................................... 69
End of Merchant Setup Wizard................................................................................... 72
Update Configuration Disk.................................................................................................. 73
Simple Modem Setup..........................................................................................................75
Manual Modem Setup......................................................................................................... 76
Advanced Modem Setup.....................................................................................................79
Performing Test Transactions............................................................................................. 81
Basic Setup Complete......................................................................................................... 85
Continuing Setup..............................................................86
Devices Setup..................................................................................................................... 87
Card Reader Setup..................................................................................................... 88
Check Reader Setup................................................................................................... 91
PIN Pad Setup ............................................................................................................ 93
Touch Screen Setup ................................................................................................... 96
Report Printer Setup ................................................................................................... 98
Receipt Printer Setup.................................................................................................. 99
Example Receipt With Comments ............................................................................ 103
Cashier Privileges Setup...................................................................................................104
Users Setup ...................................................................................................................... 108
Private Label Card Setup.................................................................................................. 110
Remove TID Number ........................................................................................................ 112
Numbers Setup ................................................................................................................. 113
User's Guide....................................................................114
Main Window..................................................................................................................... 115
Icon Bar............................................................................................................................. 117
Menu System .................................................................................................................... 118
Credit Card Processing..................................................................................................... 119
All about Credit Card Transactions........................................................................... 121
Using Credit Card Transaction Processing...............................................................123
Credit Card Processing -- A Typical Day .................................................................. 127
All about Restaurant Transaction Processing...........................................................128
Using Restaurant Transaction Processing................................................................ 129
All about Commercial Card Processing .................................................................... 131
Using Commercial Card Processing......................................................................... 132
All about Voice Auth Processing...............................................................................133
Using Voice Auth Processing.................................................................................... 134
Debit Card Processing...................................................................................................... 136
All about Debit Card Transactions ............................................................................ 138
Debit Card Processing -- A Typical Day.................................................................... 140
Check Processing............................................................................................................. 141
All about Check Transactions ................................................................................... 143
All about Check Verification/Guarantee.................................................................... 144
All about Check Conversion/Truncation.................................................................... 145
All about ECC Check Transactions........................................................................... 146
EBT (Electronic Benefits Transfer) Processing................................................................. 147
All about EBT Card Transactions.............................................................................. 149
Cash EBT Transactions............................................................................................ 150
Food Stamp EBT Transactions................................................................................. 151
Food Stamp Credit EBT Transactions ...................................................................... 152
Account Inquiry EBT Transaction.............................................................................. 153
Processing EBT Transactions -- A Typical Day........................................................ 154
Gift Card Transaction Processing..................................................................................... 155
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All about Gift Card Transactions............................................................................... 157
Processing Gift Card Transactions -- A Typical Day................................................. 158
Offline Processing and Import Files..............................159
Offline Processing............................................................................................................. 160
How to Process Offline Transactions........................................................................ 160
File Import ......................................................................................................................... 162
Processing an Import File ......................................................................................... 162
Utilities Menu...................................................................164
Configuration Disk.............................................................................................................165
Updating/Creating a Configuration Disk.................................................................... 165
Restoring from a Configuration Disk......................................................................... 165
Backup/Restore................................................................................................................. 166
Backing Up Your PCCharge Files............................................................................. 167
Restoring PCCharge Backup Files ........................................................................... 167
Transferring PCCharge to a Different Computer ...................................................... 168
Transaction Database Archiving....................................................................................... 169
Setting Up Transaction Database Archiving ............................................................. 169
Using Transaction Database Archiving.....................................................................171
Transaction Database Purging.......................................................................................... 173
Setting Up Transaction Database Purging................................................................ 173
Using Transaction Database Purging ....................................................................... 174
Repair/Compact Database................................................................................................176
Repairing and Compacting the PCCharge Database ............................................... 176
Retrieve Account Number................................................................................................. 177
Batch
Close................................................................................................................................. 179
Inquire ............................................................................................................................... 181
Settle................................................................................................................................. 183
Batch Management........................................................................................................... 186
Amex Batch Management.................................................................................................193
Auto-Settle Utility............................................................................................................... 199
Upload Check Images.......................................................................................................202
Functions.............................................................178
Closing Your Batch ................................................................................................... 179
Performing a Batch Inquiry........................................................................................ 181
Settling Your Batch ................................................................................................... 183
Installation of Batch Management Utility...................................................................186
Usage of Batch Management Utility.......................................................................... 187
Batch File Details...................................................................................................... 188
Indeterminate Batch.................................................................................................. 190
Batch History............................................................................................................. 191
Installation of Batch Management Utility...................................................................193
Usage of Amex Batch Management Tools ............................................................... 193
Open Amex Batch Editor........................................................................................... 194
Amex Batch Archive.................................................................................................. 196
Settle Amex Batch..................................................................................................... 197
Installing and Using the Auto-Settle Utility................................................................ 199
How to Upload Check Images................................................................................... 202
Reports ............................................................................204
Viewing a Report...............................................................................................................207
Daily Transaction Summary.............................................................................................. 209
Credit Card Detail.............................................................................................................. 210
Debit Summary ................................................................................................................. 211
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Check Detail...................................................................................................................... 212
EBT Summary...................................................................................................................213
Batch Pre-Settle................................................................................................................ 214
Batch Post-Settle .............................................................................................................. 215
Cashier Audit..................................................................................................................... 216
Restaurant Pre-Settle........................................................................................................ 217
Restaurant Detail .............................................................................................................. 218
Gift Card............................................................................................................................219
9
Introduction
Congratulations on the purchase of PCCharge Payment Server--the most advanced
solution in the industry for processing credit cards on your PC. This software provides you
with a fast, reliable way to process a variety of transaction types in an easy to use Windows
environment. This manual prepares you with the detailed information that you will need to
configure your new software and use it to its fullest extent.
Please direct any comments or suggestions regarding your PCCharge documentation to
pccharge_manuals@verifone.com. Please note that this address should not be considered
as a source for technical support. Any such requests should be directed to the normal
support channels.
Using This Manual
As you use this manual, you'll come across the following text boxes. These are meant to
draw your attention to certain concepts, and are easily identifiable by their icons.
Simple Explanation: The simple explanations found in the PCCharge
(
manual will provide you with an easy-to-digest summary of the information in
that section. If you want to get through the manual as quickly and easily as
possible, pay special attention to the simple explanations.
Note: A note is important information that either helps to explain a concept or
draws attention to ideas that should be kept in mind. We recommend that you
carefully review the notes you encounter.
WARNING: We HIGHLY recommend that you read ALL warnings in the
sections of the manual that you read. These warnings will help to prevent
serious issues from occurring.
Technical Details: These technical details give more in-depth
/
explanations of concepts described in this manual. These extra bits of
information are often useful, but are not necessarily pertinent to all users.
PCCharge Appendices
PCCharge includes some extra documentation that isn't found in this manual. This
documentation, the PCCharge Appendices, contains specific information on the various
payment processing companies. You'll need to refer to this information as you use the
PCCharge manual. We recommend that you print out those sections related to your
payment processing company.
To access the PCCharge Appendices, click the Windows Start button, then Programs (or
All Programs), then VeriFone, then PCCharge Payment Server, then PCCharge
Payment Server Appendices.
10
Important Security Notice
Simple Explanation: In June 2001, Visa mandated its Cardholder
CISP Requirements
In order for you to protect yourself, you must comply with the twelve basic CISP
requirements listed below. These are the most current requirements as of the printing of
this manual, but you should check Visa's website (
up-to-date requirements.
In addition to these requirements, Visa also provides sub-requirements to which merchants
must adhere. It is suggested that you contact Visa or visit their website
http://www.visa.com/cisp) to learn more about CISP requirements and compliance.
(
(
Merchant Responsibility
The following guidelines should be implemented in your payment processing environment.
This information will help you to protect all areas (the network, individual PCs, laptops,
servers, databases, backup data, logs, etc.) that store or transmit cardholder data.
Information Security Program (CISP). This program is a standard for securing
cardholder data, wherever it is located. Visa states that CISP compliance is
required of all entities that store, process, or transmit Visa cardholder data.
This includes merchants who use PCCharge to process transactions. The
information given in this section explains how CISP may affect your business.
http://www.visa.com/cisp) for the most
1. Install and maintain a working firewall to protect data
2. Keep security patches up-to-date
3. Protect stored data
4. Encrypt data sent across public networks
5. Use and regularly update anti-virus software
6. Restrict access by "need to know"
7. Assign unique ID to each person with computer access
8. Don't use vendor-supplied defaults for passwords and security parameters
9. Track all access to data by unique ID
10. Regularly test security systems and processes
11. Implement and maintain an information security policy
12. Restrict physical access to data
Note: Other card associations, such as MasterCard, Discover, and American
Express, have established programs cardholder security programs as well.
These programs are similar to CISP. You should become familiar with these
other security programs as well.
WARNING: Although VeriFone, Inc. has designed PCCharge to properly
secure cardholder information according to CISP guidelines, it is ultimately the
merchant’s responsibility to secure the system on which PCCharge resides and
the environment in which it is used.
11
Data Protection Guidelines
Although the following information will help you to comply with the Cardholder Information
Security Program (CISP), it is important to Visa’s website (
review the most up-to-date information available. PCCharge, when implemented according
to CISP guidelines (and when implemented into a secure environment), will not keep a
merchant from being CISP compliant.
1. PCCharge does NOT store credit card magnetic stripe data (track I/II data), so this is
not an issue that would endanger a merchant's CISP compliancy.
2. PCCharge does NOT store credit card CVV2/CVC2/CID data (the verification number
that appears on the front or back of the credit card), so this is not an issue that would
endanger a merchant's CISP compliancy.
3. PCCharge stores credit card numbers (Primary Account Number) and expiration
dates. However, this data is encrypted per a CISP accepted method. Therefore, this is
not an issue that would endanger a merchant's CISP compliancy.
4. If the computer running PCCharge is on a network that has any kind of an Internet
connection, a firewall must used on that network. Even if a firewall is already in place,
ensure that all patches have been installed. Industry standards should be followed for
strengthening the firewall prior to processing financial transactions. Perimeter scans
and intrusion detection are recommended.
5. Printed material documenting sensitive merchant information (Merchant ID, Terminal
ID, etc.) should be safeguarded.
6. Keep software up to date, including (but not limited to): operating systems, e-mail
programs, and Internet browsers. For example, Microsoft security updates and
patches can be downloaded by visiting
7. Use appropriate facility entry controls to limit physical access to systems that store or
process cardholder data. Visa recommends the use of complex passwords to facilitate
a secure environment. Complex passwords are longer than 6 characters and use a
combination of alphanumeric and non-alphanumeric characters. PCCharge provides
users with the ability to use usernames and passwords.
8. PCCharge allows users to purge (delete) transactions from their PCCharge databases
that are older than a configurable amount. The default value is 2556 days (7 years).
You should change this value according to your business's requirements. Some
possible variables that would affect this value include:
• Your merchant service provider's regulations
• Your accountant's advice
• Your local laws
http://www.microsoft.com/.
http://www.visa.com/cisp) and
CISP Implementation Documentation
In addition to the Data Protection Guidelines, it is important that merchants review the
information that is available on Visa’s website (
Visa directly for more information regarding CISP compliance.
http://www.visa.com/cisp) and/or contact
12
Why Comply with CISP?
The following information was taken directly from Visa’s website (
The CISP requirements help Visa members, merchants, and service providers protect their
information assets and meet the obligations to the Visa payment structure. Other benefits
include:
• Consumer confidence: Reports of hacker attacks, stolen credit card numbers,
and identity theft have left consumers demanding absolute assurance that their
account data and other personal information is safe.
• Minimized threat to your reputation and financial health: Financial and
resource outlay is minimal compared to the costs associated with the reactive
hiring of security and public relations specialists, or the loss of significant revenue
and customer goodwill that can result from a compromise.
If a merchant or service provider refuses to participate in CISP, Visa may impose a fine on
the responsible Visa Member. Ultimately, merchants and their service providers must meet
the CISP requirements to continue to accept Visa Payment products.
http://www.visa.com/cisp):
CISP compliance penalties
Failure to comply with CISP standards or to rectify a security issue may result in:
• Fines (described below)
• Restrictions on the merchant; or
• Permanent prohibition of the merchant or service provider's participation in Visa
The following fines apply for non-compliance, within a rolling 12-month period:
programs.
• First violation: $50,000
• Second violation: $100,000
• Third violation: Management discretion
More Information
Note: VeriFone, Inc. highly recommends that you contact whoever set up
(
your ability to process transactions and find out exactly what they mandate
and/or recommend. Doing so may help merchants protect themselves from
fines and fraud. For more information related to security, visit:
http://www.visa.com/cisp
•
•
http://www.sans.org/resources
•
http://www.microsoft.com/security/default.asp
https://sdp.mastercardintl.com
•
13
System Requirements
YOU MUST HAVE THE FOLLOWING:
• PC with Windows 98, XP, NT, 2000, or 2003
• 64 MB minimum of RAM, 256 MB preferred
• 30 MB of available hard-disk space, 100 MB preferred
• An Internet connection OR a Hayes compatible modem (capable of 1200 baud or less)
and an analog phone line
• CD-ROM drive
• 400 MHz or higher processor
• Latest Microsoft service pack updates installed
• Merchant Account with a PCCharge-certified processor
• SSL updates if required (see SSL Requirements below)
• Latest version of Microsoft's Internet Explorer (version 6 or later)
Technical Details: We require that you install the latest version of
/
THE FOLLOWING ARE OPTIONAL:
• Track I & II reader
• Check Reader/Scanner
• Debit Card PIN pad
• Windows compatible receipt printer
SSL Requirements
(
If you're using Windows 98 or NT and you're using one the following payment processing
companies, you'll need to install some upgrades/enhancements to your operating system.
• Heartland Payment Systems (HPTS)
• NPC (NPC)
• Paymentech (GSAR)
• Vital (VISA)
Windows 98 users should consult the section Windows 98 SSL Upgrade Instructions
(see page 15). Windows NT users should consult the section Windows NT SSL Upgrade
Instructions (see page 16).
Microsoft's Internet Explorer no matter how you connect to your processor.
Some processors require Internet Explorer version 6 or later to be installed in
order to process transactions. Internet Explorer is more than just an Internet
browser; it actually upgrades your operating system.
Note: If you're using Windows XP, 2000, or 2003, you can safely ignore this
section and continue on to the section Upgrade Preparation (see page 18).
14
Technical Details: Some payment processing companies are beginning
/
to process transactions via SSL2 (a highly secure Internet protocol). In order to
be able to process via SSL2, users of Windows 98 and Windows NT must
install certain upgrades. The following instructions help explain how to obtain
and install these system upgrades/enhancements. It is necessary that you
install DCOM and DSCLIENT prior to running the SChannel Registry
Updater. After completing these instructions, restart your system.
Windows 98 SSL Upgrade Instructions
INSTALLING DCOM
1. Shut down all active programs (PCCharge, word processors, media players, etc.).
2. Open your Internet browser. Visit and review the following site:
http://www.microsoft.com/com/dcom/dcom98/download.asp
3. Download the DCOM installation software using the link provided on that page.
4. Save the file to your Windows Desktop, or open the file from its present location.
5. Follow the installation instructions provided.
INSTALLING DSCLIENT
1. Shut down all active programs (PCCharge, word processors, media players, etc.).
2. Open your Internet browser. Visit the following site and carefully review the
3. Open your Windows Explorer (click Start, then Programs, then Accessories, then
4. Double-click the file named DSCLIENT.EXE.
5. Follow the installation instructions provided.
SCHANNEL REGISTRY UPDATER
1. Shut down all active programs (PCCharge, word processors, media players, etc.).
2. Open your Windows Explorer (click Start, then Programs, then Accessories, then
documentation provided to determine whether or not you want to install this service.
This service cannot be reliably uninstalled. Additionally, installing it may change
various security options and may affect other third-party applications.
http://www.microsoft.com/windows2000/server/evaluation/news/bulletins/adextension.
asp
Windows Explorer). Look on your PCCharge CD in the directory: SSL
Files\WIN98\.
Windows Explorer). Look on your PCCharge CD in the directory: SSL Files\.
15
3. Double-click the file named SChannelRegEdit.exe.
4. The utility will update your system as necessary.
The W indows 98 SSL Upgrade Instructions are complete. You may now continue on to
the section Upgrade Preparation (see page 18).
Windows NT SSL Upgrade Instructions
INSTALLING DCOM
1. It is necessary that someone with System Administrator access to your operating
system make the following changes.
2. Shut down all active programs (PCCharge, word processors, media players, etc.).
3. Determine if you've already installed NT Service Pack 6a or higher. To do this, rightclick the My Computer icon on your Windows desktop. Left-click Properties. Look
near the top-right of the System Properties window that appears. The service pack
version is listed under the heading System:. If your service pack version is lower than
6a, visit the following site and install the latest service pack:
http://www.microsoft.com/NTServer/nts/downloads/recommended/SP6/allsp6.asp
INSTALLING DSCLIENT
1. It is necessary that someone with System Administrator access to your operating
system make the following changes.
2. Shut down all active programs (PCCharge, word processors, media players, etc.).
3. Open your Internet browser. Visit the following site and carefully review the
documentation provided to determine whether or not you want to install this service.
This service cannot be reliably uninstalled. Additionally, installing it may change
various security options and may affect other third-party applications.
http://www.microsoft.com/windows2000/server/evaluation/news/bulletins/adextension.
asp
4. Determine if you've already installed NT Service Pack 6a or higher. To do this, rightclick the My Computer icon on your Windows desktop. Left-click Properties. Look
near the top-right of the System Properties window that appears. The service pack
version is listed under the heading System:. If your service pack version is lower than
6a, visit the following site and install the latest service pack:
http://www.microsoft.com/NTServer/nts/downloads/recommended/SP6/allsp6.asp
5. Open your Windows Explorer (click Start, then Programs, then Accessories, then
Windows Explorer). Look on your PCCharge CD in the directory: SSL
Files\WINNT\.
6. Double-click the file named DSCLIENT.EXE.
7. Follow the installation instructions provided.
16
SCHANNEL REGISTRY UPDATER
1. It is necessary that someone with System Administrator access to your operating
system make the following changes.
2. Shut down all active programs (PCCharge, word processors, media players, etc.).
3. Open your Windows Explorer (click Start, then Programs, then Accessories, then
Windows Explorer). Look on your PCCharge CD in the directory: SSL Files\.
4. Double-click the file named SChannelRegEdit.exe.
5. The utility will update your system as necessary.
The Window s NT SSL Upgrade Instructions are complete. You may now continue on to
the section Upgrade Preparation (see page 18).
17
Upgrade Preparation
Note: The following section pertains only to those users who are upgrading
(
The following instructions must be followed PRIOR to upgrading your existing version of
PCCharge Payment Server. We recommend that you work with whoever generally uses or
originally installed PCCharge. Make a check next to each step after its completion.
__ 1. If you are using any sort of point of sale (POS) software in combination with
__ 2. Review the section System Requirements to make sure that your system meets the
__ 3. Start your copy of PCCharge Payment Server if it isn't already running. To open
__ 4. The person who normally settles/closes batches should complete this step.
__ 5. Click Setup on the PCCharge menu bar. Click Configure System. The Configure
their existing copy of PCCharge. If you are installing PCCharge for the first
time, you can skip ahead to the section Installation (see page 21).
WARNING: Failure to observe proper upgrade procedure may result in loss
of data and/or program functionality.
PCCharge, check with that software's manufacturer to make sure it's compatible with
the version of PCCharge to which you are upgrading.
requirements of PCCharge (see page 14). The system requirements may have
changed since you last installed PCCharge.
PCCharge Payment Server:
• Click the Windows Start button at the bottom-left of your screen.
• Click Programs.
• Click VeriFone.
• Click PCCharge Payment Server.
• Click the PCCharge Payment Server icon.
Settle or close any batches you may have that are open. To do so, click Batch on
the PCCharge menu bar (near the top of the PCCharge Payment Server main
screen). Click Settle… or Close… (varies by processing company). Proceed with
normal batch settle/close steps. You must settle/close ALL open batches for ALL
accounts before upgrading--otherwise, data may be lost and money may not be
transferred to your account(s).
If your account is host-based and set to "auto close", it is recommended that you
upgrade after the auto close has taken place and before any new transactions are
processed.
Setup window will appear. Uncheck the option Secure Card Numbers if it isn't
already unchecked (and if it is accessible in your version of PCCharge). Click OK.
Depending on the size of your database, it may take a few minutes for PCCharge to
complete this procedure.
18
__ 6. Click Utilities on the PCCharge menu bar. Click Repair. Depending on the size of
your database, it may take a few minutes for PCCharge to complete this procedure.
Click OK when you see the message "Process Complete".
__ 7. Click Utilities on the PCCharge menu bar. Click Compact. Depending on the size of
your database, it may take a few minutes for PCCharge to complete this procedure.
Click OK when you see the message "Process Complete".
__ 8. Click Utilities on the PCCharge menu bar. Click Configuration Disk.
• Select the option Update/Create Config Disk.
• PCCharge may display a warning message. If so, disregard this message and
click Yes.
• Insert a blank 3½" floppy disk into your computer's disk drive. Click OK.
• The Copy Configuration Files To… window will appear. Click Open.
• It may take a few minutes for PCCharge to complete this procedure. Click OK
when you see the message "Your Configuration Disk has been
updated".
• Remove the 3½" floppy disk from your computer's disk drive. Label it
PCCharge Config Disk and store it. Certain PCCharge files can be recovered
__ 9. Click Utilities on the menu bar. Click Backup Files….
__ 10. You may now shut down PCCharge. Click File on the menu bar. Click Exit.
You may now proceed to the following section, Upgrading PCCharge.
from this disk in case of data loss.
• Click BackUp. The Backup Data Files To… window will appear. Click Open.
• It may take a few moments for PCCharge to complete this procedure. Click OK
when you see the message "Backup was Successful
• PCCharge has created a file named BACKUPID.ZIP and placed it the
PCCharge installation directory. Do not delete this file, as certain PCCharge
files can be recovered from this file in case of data loss.
".
19
Upgrading PCCharge
Note: The following section pertains only to those users who are upgrading
(
The following instructions may be followed AFTER completing the steps in the previous
section, Upgrade Preparation. We recommend that you work with whoever generally uses
or originally installed PCCharge. Make a check next to each step after its completion.
__ 1. Review the section System Requirements to make sure that your system meets the
__ 2. Review the PCCharge Appendices to find out if your payment processing company
__ 3. If you are upgrading using a PCCharge Payment Server CD-ROM, you'll use the
__ 4. If you are upgrading using a PCCharge Payment Server installation file received via
their existing copy of PCCharge. If you are installing PCCharge for the first
time, you can skip ahead to the section Installation (see page 21).
WARNING: Failure to observe proper upgrade procedure may result in loss
of data and/or program functionality.
requirements of PCCharge (see page 14). The system requirements may have
changed since you last installed PCCharge.
has changed its merchant account settings and/or requirements. Your payment
processing company may have changed the way it does business since you last
installed PCCharge.
• To access the PCCharge Appendices before you have installed PCCharge,
you'll need to look on the PCCharge installation CD.
o Insert the PCCharge installation CD into your computer.
o The PCCharge installer should automatically appear. If it does, click
Cancel, and then click Exit Setup.
o Click the Windows Start button, and then click Run. Enter the letter of your
CDROM drive followed by a colon. Most users should input D: and click
the OK button.
o Look for the file named Payment Server Appendices. Double-click it
to view the PCCharge Appendices in Adobe PDF format.
standard installation process described in the next section. Be sure to use the
program directory of your existing PCCharge Payment Server when asked to select a
destination directory. Skip step 4 and proceed to the next section, Installation.
the Internet, complete the following steps.
• The file received from VeriFone, Inc. will almost always be named Setup.exe.
• Locate Setup.exe. It will be in whatever directory you specified when you
downloaded the file. You may need to detach the file, if it was sent via e-mail.
• Double-click Setup.exe. You may now follow the steps in the next section,
Installation, beginning with the step Welcome!. Be sure to specify the program
directory of your existing PCCharge Pro when asked to select a destination
directory.
20
Installation
Insert the PCCharge Payment Server CD into CD-ROM drive of your computer. The
installation process should begin automatically.
If the installation process does not start manually, your copy of Windows may be set up to
not allow auto-run of CD-ROMs. If so, you'll need to manually begin the installation
process. You can do so by clicking your Windows Start button, then Run.... Click the
Browse button. Click the drop-down list to the right of the Look In: field. Select your CDROM drive. Double-click the file Setup.exe. The PCCharge installation process will begin.
21
Welcome!
Click Next > to proceed to the next step in the installation process.
22
License Agreement
Select I accept the terms of the license agreement and click Next > to proceed to the
next step in the installation process.
23
Setup Type
Simple Explanation: Most users should simply select Complete and
You may select either Complete setup or Custom setup. Select Complete setup if you
want to install all PCCharge program files and features. If you select Custom setup, you
will be able to:
•
• Specify which PCCharge utilities are installed
After you've selected a setup type, click Next > to proceed to the next step in the
installation process. If you have selected Complete setup, you may then skip ahead to the
section Ready To Install (see page Error! Bookmark not defined.). Otherwise, continue
n to the next section. o
click Next > to proceed to the next step in the installation process. You may
then skip ahead to the section Ready To Install (see page Error! Bookmark
not defined.).
Specify the PCCharge installation directory
24
Choose Destination Location
Simple Explanation: If you selected Complete as your setup type, you
This window allows you to specify where on your local hard drive you'd like to install
PCCharge Payment Server. If you're upgrading PCCharge, use the Browse… button to
specify the location of your existing installation directory. Most users should click Next > to
proceed to the next step in the installation process.
may skip this section.
WARNING: If you change the destination directory, it is vitally important that
you install to your computer's local hard drive. You should not install PCCharge
across a network to another computer's local hard drive. PCCharge uses
system files that must be on the local computer's hard drive.
25
Select Features
Simple Explanation: If you selected Complete as your setup type, you
This window allows you to specify which PCCharge features you'd like to install. You can
uncheck a feature if you do not want that feature to be installed. Most users should click
Next > to proceed to the next step in the installation process.
may skip this section.
26
Ready to Install!
You are now ready to install PCCharge Payment Server. Click Next > to proceed to the
next step in the installation process.
27
Installing
PCCharge is now being installed to your system. This process should only take a few
minutes.
28
Installation Completed!
The installation process is complete. You may now remove the PCCharge Installation CD
from your computer. Click Finish to proceed to The Setup Process.
29
The Setup Process
During the first use of PCCharge, you are automatically taken through a setup process. If
you need to make changes to the following settings at any time after the initial software
setup, you can access all of the setup parameters from the Setup menu.
30
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