Vantiv eCommerce Magento Integration Features

Table of Contents

1. Description
2. CreditCardTransaction
   • AuthorizeOrAuthorizeAndCapture
   • ToReverseAnAuthorization
   • ToCapture
   • ToDoABatchCapture
   • ToVoidACapture
   • ToRefund
   • ToVoidARefund
   • StoredCreditCards
3. eCheckTransaction
   • VerificationOrSaleForeCheck
   • ToProcessASaleeCheck
   • ToVoidASaleeCheck
   • ToRefundeCheck
   • ToVoidARefundeCheck
4. AdditionalFeatures
   • Vault
   • Paypage
   • AccountUpdater
   • CustomerInsight
5. FailedTransactionSupport
   • FrontEndNotApproved
   • BackEndNotApproved
   • ViewingFailedTransactions
   • TakingActionOnFailedTransactions
   • FindingOutMoreInformationAboutAFailedTransaction
6. DebugLogging

Description ----------- The Litle & Co. Magento Integration Feature set includes checkout with eCheck as well as credit card. In order to successfully run payment transactions on Magento please refer to the setup and installation guide. Credit Card Transaction: ----------------------- Magento can be configured to either process an authorization or both an authorization and capture with the Litle & Co. system upon customer checkout. Authorization checkouts on the customer side can be later captured on the admin side. ### To Authorize or Authorize & Capture After successfully configuring Magento, navigate to the customer checkout page and fill out the checkout form until you reach the Payment Information Tab. Click on Credit Card(Litle Payments) and fill out the form. Fill out a valid credit card number matching the type as well as a future date for the expiration and finally the credit card validation. Continue to checkout.

To further process a transaction proceed to the admin page and click on the Sales tab then on order. This will take you to a page where all the orders are listed. Click on an order to view it in more detail and to further process it (void, capture, refund).

### To Reverse an Authorization Auth Reversals are a transaction type that removes the hold (completely or partially) that resulted from a previous authorization. Reversals have been around for years but gained popularity due to debit cards and the importance of not causing a customer to overdraw their account.

The Litle & Co. Magento Integration Feature set provides the option to do an Auth Reversal by using the "Auth-Reversal" button on top of the page while viewing an order. Auth Reversals allow a merchant to free up a card holders credit limit which can reduce the chance the customer overdraws an account which can result in customer service issues. Also, some banks display holds as part of their internet reporting. When holds remain after canceled orders customers may call the merchant. Performing the reversal can reduce those calls. Finally, many interchange rates require the auth and settlement amount to be within specific tolerances. Reversals allow the merchants to comply with those tolerances thereby making them eligible for better rates.

### To Capture If the payment action field in the configuration is set to authorize & capture then this will be done automatically upon checkout. Otherwise only an authorization transaction will be processed and it will need to be captured. To capture click on the Invoice button on the top of the order page for that specific order.

Choose whether to capture online(with the Litle System) or capture offline(any other method) and submit the invoice. Now the order has been captured and a success message will appear on the top of the page.

### To do a Batch Capture In the event that transactions need to be captured, a merchant should have the option to capture single or multiple transactions from the Orders page. The Litle & Co. Magento Integration Feature set adds a "Capture" choice to the Actions drop down menu which allows to capture all selected orders and in the instance that an order cannot be captured, an error prompts with the order ID# of orders that failed to be captured.

After attempting to capture 2 authorized transactions and 1 previously captured transaction, the result is shown below.

### To Void a Capture It is easier and cheaper to void a capture or a sale before the transaction goes through than it is to refund the payment afterward. If a credit card payment has captured recently, the order page will display a "Void Capture" button at the top. This button should be pressed instead of the refund button if there is a reasonable expectation that the payment has not gone though yet. If successful, this will void the payment and cancel the invoice, reverting the order back to a state where the payment has been authorized, but none of it has been captured yet. Because of this, the "Void Capture" button should not be pressed when there have been multiple captures on that order. When the button is pressed but it is too late to void the transaction, an error message will show up to alert the user of this. In this case, doing a refund as usual is the only way to return the money to the customer

### To Refund Only a captured transaction can be refunded in the Litle Magento integration. To create a refund transaction click on the Invoices tab under the Order View column on the order's specific page. Click on the captured transaction and the invoice page will appear. Click on the Credit Memo button in the top right corner to create a credit memo and select Refund (with the Litle System) or Refund Offline (with any other system).

### To Void a Refund In the event that a refund is issued by mistake, or that the situation changes so that the refund should not go through, a merchant should have the option to void that refund. The Litle & Co. Magento Integration Feature set adds the option to void refunds through the use of a simple "Void Refund" button in the top right corner of the order page for orders which have been refunded.

### Stored Credit Cards In the event that a user would like to use a previously stored credit card, an existing user can have the option to select from stored credit cards. The Litle & Co. Magento Integration Feature set adds a "Stored Credit Card" menu on the checkout page which allows he users to select from stored credit cards or use a new credit card.

eCheck Transaction: ----------------------- Magento can be configured to either process an eCheck verification or an eCheck sale with the Litle & Co. system upon customer checkout. Verification checkouts on the customer side can be processed as a sale on the admin side. ### Verification or Sale for eCheck After successfully configuring Magento, navigate to the customer checkout page and fill out the checkout form until you reach the Payment Information Tab. Click on eCheck(Litle Payments) and fill out the form. Fill out a nine digit bank routing number, an account number, and a type. Continue to finish the checkout. To further process a transaction proceed to the admin page and click on the Sales tab then on order. This will take you to a page where all the orders are listed. Click on an order to view it in more detail and to further process it (sale, refund). ### To Process a Sale If the customer has already performed an eCheck verification you may process a sale against it in the same way that a capture was created in a credit card transaction (see above). ### To Void a Sale When processing an eCheck, the "Void Sale" button will be displayed in place of the "Void Capture" button that appears while processing credit card payments. "Void Sale" has the same functionality as "Void Capture" and should be used in the same way (see above).

### To Refund After performing an eCheck sale you may process a refund against it in the same way as created in a credit card transaction(see above). ### To Void a Refund A refund on an eCheck sale can be voided the same way as a credit card refund is voided (see above). Additional Features ------------------- ### Vault The goal of Vault project is to reduce the PCI compliance requirements. With our vault solution the merchant no longer STORES the account number in their database. This greatly reduces the merchant's PCI compliance scope. This can be configured in Litle Credit Card Payment Method by selecting "Enable Vault" from the configuration. After that point, tokens will be stored in the database in the litle_vault table. This requires that your merchant profile be updated with Litle & Co to turn this feature on. ### Paypage The goal of Vault project is to reduce the PCI compliance requirements. With PayPage we take it a step further wherein the merchant no longer HANDLES / PROCESSES account number. In other words the merchant with our vault still receives the account number from their check out pages and does a token registration which they then save in their database. With Pay Page the merchant no longer gets or handles account number in their backend processing systems.

### Account Updater Account Updater is a mechanism that provides the latest account information to merchants who bill on a recurring basis. For example, if a monthly gym membership is charged to your Visa card and your account number or expiration date changes, normally the merchant will have to contact you after the authorization fails. However, if the merchant is a participant in Account Updater program, they'll receive the information before the Authorization and won't have to call you. ##Customer Insight Customer Insight is a suite of information products that can be passed with authorizations, providing merchants with visibility into customer buying behavior. This data empowers merchants to acquire, retain, and up-sell to their most desirable customers:

Specific information the Customer Insight suite can provide includes:

*Prepaid Indicators: available balance if provided by the issuer; reloadable vs. non-reloadable; and prepaid card type, e.g. gift, rebate, teen, payroll, government benefits, etc.

*Affluence Indicators: Mass Affluent (income >$100K) or Affluent (income >$100K and card spend >$40K)

*Issuer Country Indicator

To view Customer Insight information, click the Litle & Co. Customer Insight tab in the customer page.

Failed Transaction Support: ----------------------- **Note, that use of this feature requires 8.14.0 of Litle's Magento extension.** ###Front End Not Approved If a customer initiated transaction fails because the payment is not approved for some reason, the message will look as follows:  The transaction id shown can be used on the back-end to get more information. See below ###Back End Not Approved If a back-end initiated transaction fails because the payment is not approved for some reason, the message will look as follows:  The transaction id shown can be used on the back-end to get more information. Clicking it will show the xml response from Litle & Co with a more descriptive reason for the failure. ###Viewing failed transactions A complete list of failed transactions, tied to customer id and order number is available by clicking Sales->Litle&Co->Failed Transactions as in the screenshot below. 

*If the transaction was an authorization or sale transaction, because Magento does not save the shopping cart or generate an order number until the payment is approved, the order number will be 0.

*If the transaction was a front end transaction by a customer that is not logged in, the customer id will be 0.

*If the transaction was a refund, void, reversal or capture, the order number will be the original order for the referenced authorization or sale.

###Taking action on failed transactions Clicking anywhere in the row of the failed transaction will bring you to a detail page, described below.

*By selecting the checkbox for one or more transactions, you can also select either "Mark Action Taken" or "Mark Pending". This provides for an easy way to filter out failed transactions that you have already dealt with.

*You can search for a transaction id shown to a customer or in your back end when a failure occurs by entering the value in the "Litle Transaction Id" column and hitting search.

*All of the standard Magento features for grids are supported, like paging, sorting and searching.

###Finding out more information about a failed transaction The detail page includes the customer id, order number, litle transaction id and the full text xml response returned from Litle. You can use the information on this screen to take appropriate action, which may include sending email to sdksupport@litle.com requesting that our extension handle the specific type of response better. If you are unsure how to deal with a transaction, you can also email or call your Customer Experience Manager and give the litle transaction id and message returned in the xml and they will be able to provide more information.  Debug Logging: ----------------------- **Note, that use of this feature requires 8.14.0 of Litle's Magento extension.**

Debug logging is available to allow logging all xml requests and responses within our extension. Logging can be enabled on the System->Configuration->Payment Methods->Litle Credit Card screen as "Debug Logging Enabled". The file created will be in $MAGENTO_HOME/var/log/litle_transaction.log.