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    Sellerdeck Payments by Opayo

    Sellerdeck Payments is a payment service provided by Sellerdeck.

    For more information about Sellerdeck Payments, visit https://portal.sellerdeck.co.uk/psp/sellerdeck/

    If you use Sellerdeck Payments on your Sellerdeck store, your online customers will be taken to the Sellerdeck Payments service when they are ready to give their credit card details.


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    Also, you can use Sellerdeck Payments when you take orders over the telephone. When you click 'Confirm' on the 'New Order' tab or when you complete the 'New Order' wizard you will be taken online to a screen where you can enter and validate the customer's card details.

    In addition to this there are some useful extra features that are unique to Sellerdeck Payments:
    • You can commit pre-authorised payments via the click of a button.
    • You can carry out refunds from within Sellerdeck.
    • You can void any incorrect transactions straight away

    To select Sellerdeck Payments:
    1. Go to 'Business Settings | Payment and Security'.
    2. Click the '+' at the top left of the Payment Methods grid
    3. Select 'Sellerdeck Payments by Opayo' from the list. This will add Sellerdeck Payments for your website, and also enable it for telephone orders.
    4. Click 'Configure Method'.

    You will see this screen:

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    The settings within this screen are explained below:

    Field Meaning
    Web Site Description The way Sellerdeck Payments will be described online (or when adding a new order).
    Provider Sellerdeck Payment's name.
    Run in production mode When you select this option, money starts changing hands.

    Select it only when you have run in test mode and are satisfied that Sellerdeck Payments is working OK.
    Run in test mode No money changes hands in this mode. A different (test) server will be used for the online transactions, and no real payment will be made.
    Pre-authorize transactions This option reserves the funds on a credit card without actually taking the money. The amount of the transaction will be removed from a customer's available credit limit.

    Once you have shipped the goods, you can then click the 'Commit' button in the 'Payments' tab to take the payment.
    Charge transactions immediately This option charges the credit card immediately.
    Vendor Name This information will be in the registration details you received from Sellerdeck Payments
    User Name This information will be in the registration details you received from Sellerdeck Payments.
    Password This information will be in the registration details you received from Sellerdeck Payments.
    Admin User Name This information will be in the registration details you received from Sellerdeck Payments.
    Admin Password This information will be in the registration details you received from Sellerdeck Payments.


    Further settings are available in your Sellerdeck Payments account page online.

    Click 'OK' when done. You can now upload your store (or go to the 'New Order' tab/wizard) and give Sellerdeck Payments a try.


    Once you have set up Sellerdeck Payments, you will see some extra options on the main 'Payment and Security' panel. These are:

    Field Meaning
    Auto-delete PSP-pending Orders Sometimes an order will be downloaded without a corresponding payment. This happens when a customer abandons their order after being transferred to Sellerdeck Payments.

    These orders automatically go into the 'Pending Payment Service Provider' tab in the orders area. Select this box if you want to also mark them to be deleted after a set time period.
    Purge on Delete Select this box if you want to permanently remove the deleted orders from the orders area.
    Expiry Period Enter the number of days that you want to hold onto orders that have come down without a corresponding payment.

    Sellerdeck Payments incorporates a sophisticated fraud screening service. An additional ‘Fraud Checking’ panel appears underneath the main 'Payment and Security' panel, and contains the following tick box:

    Field Meaning
    Auto-download Fraud Status Causes fraud screening data to be retrieved automatically when orders are downloaded. Disabled by default. Tick to enable.

    Sellerdeck Payments can operate in many of the currencies supported by the Sellerdeck software, provided your merchant account also supports the currency. Check your account online for details of supported currencies.

    See "Currency Settings" in The 'Options' panel section for more information about using different currencies.


    Using Sellerdeck Payments

    For your online customers, Sellerdeck Payments will work like any standard payment service.

    1. They will select 'Credit or Debit Card' from the payment method list online (but you can re-word this to something else).
    2. They are then taken to the Sellerdeck Payments server where they will choose a card type:

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    3. They will enter their payment details which will be validated online.


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    4. The customer will then be shown a receipt.
    5. The order will then come down with the details of the payment (but not the credit card number) and you can process it within Sellerdeck.

    If you are using the 'New Order' tab/wizard to take orders over the telephone then you can transmit the payment details to Sellerdeck Payments while the customer is on the phone.

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    1. Simply select the 'Credit Or Debit Card' option from the list in the 'Payment' box. You might have called this something else.
    2. Click 'Confirm' on the 'New Order' tab (or complete the 'New Order' wizard), and you will be taken online to the Sellerdeck Payments server to enter the payment details.
    3. You can then enter the customer's card details straight into Sellerdeck Payments.
    4. You might also need to tweak the customer's address information they supplied, in case there is any issue with Sellerdeck Payments' address verification service. Don't forget though that if you change the address details for the customer on the online form, it's a good idea to also update the address information for that customer within Sellerdeck.


    Initially, the order will be placed within the 'Pending Payment Service Provider' tab in Sellerdeck. You will download the payment details the next time you download orders from the website, and the order will be moved to the standard 'Pending' tab.

    All the payment details will be visible online via your Sellerdeck Payments control panel at https://admin.sellerdeckpayments.com/


    Commits, Refunds and Voids

    There are also some useful buttons within the 'Payments' tab of the order for handling payments taken with Sellerdeck Payments.

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    Note: The 'Commit', 'Refund' and 'Void buttons will not be active if Sellerdeck Payments is in 'Test Mode'.
    Button Description
    Commit If you have set your payments to be pre-authorised (see Sellerdeck PaymentsError! Bookmark not defined. for details) you can 'Commit' the payment by clicking this button.

    This means that the money will actually be taken from the customer's account.
    Refund Click this button if you want to refund the payment.
    Void If you've very recently processed a payment incorrectly (i.e. that day) you can click this button to cancel it. It then won't show up on the customer's card statement.
    Pay Click this button if you need to add an additional payment onto the order, or the customer has supplied an alternative card and you need to re-submit the payment.
    Admin You can log into your online Sellerdeck Payments account.
    Sellerdeck Payments Help Opens the help file.

    Note: Any commits, refunds, voids or payments made via these buttons will show up on the online Sellerdeck Payments admin system straight away. However, changes made in the online admin system won't show up within Sellerdeck.


    Subsequent Payments

    For customers with accounts, Sellerdeck Payments makes it very easy to take a subsequent payment from the same customer using the same card, whether for the same order or a new one.

    If you take an offline order for an existing customer using their account details, then the customer’s previously used card(s) are offered among the payment methods.

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    Fraud Check

    The next row of buttons relates to Sellerdeck Payments' sophisticated fraud screening service.


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    The Fraud Check Status is indicated in words and with a coloured button, and is also displayed in the 'Fraud Check Status' column of the Orders table as follows.


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    If an order’s Fraud Check Status is shown as ‘Pending’, click the ‘Fraud & Risk Update’ button to request the latest fraud check data from Fraud & Risk Management. Fraud check data will not become available until some time after the order is placed.

    For more information on the Fraud Check for this order, click the 'View Payments' button in the 'Payments' tab to bring up the 'Payment History' window.

    In the section 'Fraud & Risk Management' you will again see the Fraud Check ‘Status', together with several new items.


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    The ‘Score’ and ‘Rules’ fields provide additional information about the results of the fraud check.
    Item Description
    Score Shows the fraud score. The higher the fraud score, the more likely the order is to be fraudulent. Orders with a fraud score above a certain threshold will be flagged 'Check'. The threshold may vary.
    Rules A list of the items checked by Fraud & Risk Management that contributed to the fraud score.

    If there are two or more payment transactions relating to the same order, the results shown here are an average for the whole order. To view the individual results for each transaction, click the ‘View Payments’ button to open the Payment History dialogue.


    Security Checks

    When you click the 'View Payments' button, you will be able to see more details about the transaction, including all the security check results (you select these when you set up Sellerdeck Payments).


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    You'll see the 'Commit', 'Refund', 'Void', 'Pay' and 'Sellerdeck Payments Help' buttons are here as well.

    The four 'Security Checks' give you a guide of how reliable the payment information provided by the customer is. They will display the results of the checks as the bank returns them.

    The meaning of the results is below:

    Check Results
    Post/Zip Code NOTCHECKED- You have chosen not to use this security check.

    NOTMATCHED - The postal code entered doesn't match the details held for the customer, so there is an increased chance of this order being fraudulent.

    MATCHED - The postal code supplied is valid

    PARTIALMATCH - Part of the postal code seems to be correct, so the customer may have mistyped it.
    Address (AVS) NOTCHECKED- You have chosen not to use this security check.

    NOTMATCHED - The address entered doesn't match the details held for the customer, so there is an increased chance of this order being fraudulent.

    MATCHED - The address supplied is valid

    PARTIALMATCH - Part of the address seems to be correct, so the customer may have mistyped it.
    Security Code (CV2) NOTCHECKED- You have chosen not to use this security check.

    NOTMATCHED - The CV2 code entered doesn't match the one held for the customer, so there is an increased chance of this order being fraudulent. Some banks will reject orders with incorrect CV2 numbers, even if you have just chosen to 'check' them rather than 'enforce' them.

    MATCHED - The CV2 number entered is valid.
    3D Secure – Enrolled OK – The customer has enrolled with a 3D Secure system.

    NOAUTH - The customer has not enrolled with a 3D Secure system.

    CANTAUTH – The server was unable to verify whether or not the customer is enrolled.

    ERROR – There was an error during verification.
    3D Secure – Result OK – authentication was successful.

    ATTEMPTONLY – The customer has not enrolled with a 3D Secure system.

    INCOMPLETE – no authentication was available.

    ERROR – an invalid response or error was received.

    NOTE:

    If a Pre-Authorised payment was taken and not committed for an order, and an additional payment is required then the payment cannot be taken with the same card details unless the Pre-Authorised amount is first committed. However a payment that requests the card details to be entered is possible.


    Testing Sellerdeck Payments by Opayo

    This is different to using the 'Run in test mode' facility available within the payment method itself, that facility will enable you to familiarise yourself with the operation of the payment method, it would however, be prudent to test the method using live settings with real orders on the same environment as the live site.

    What you can do is set aside time to test the payment method and switch the software to upload to a test area on your site, to do this go to 'Web | Switch to Test Mode'.

    What this will do, is create a directory called 'test' on the web site, and upload a copy of the site to that directory, keeping anything you wish to test separate from the live web site. To get to the site you need to use the live site URL but adding 'test' after the online site directory, for example if your site was: -

    https://www.mysite.co.uk/index.html

    Then the test site would appear at: -

    https://www.mysite.co.uk/acatalog/test/index.html

    Once you have done this, you can place a test order and check the operation from the same IP address that you have previously registered.

    NOTE: The purpose is to check that the live settings work correctly, so once you have ordered and checked everything you can then cancel the order and refund the payment.

    Once you are satisfied that it is working correctly, go back to the 'Web' menu within the software and select 'Switch to Production Mode', then when you are ready to put the payment method live on your site, run the command 'Web | Refresh Website' to rebuild your online files.


    Switching to Sellerdeck Payments by Opayo from previous versions of Sellerdeck payments

    When you move from Sellerdeck Payments powered by NMI to Sellerdeck Payments by Opayo, there will be an overlapping period that will need to be managed carefully to avoid problems with existing orders.

    Sellerdeck recommends that: -
    • You keep the two accounts running for at least a month
    • You remove the tick from the 'Website' column for the 'Sellerdeck Payments Ecommerce' record within the 'Payment Methods' grid in 'Settings | Business Settings | Payment and Security' for this period
    • You commit all outstanding orders for 'Sellerdeck Payments Ecommerce'

    Non-Sellerdeck Hosted Websites

    invalid 4020: information received from an invalid IP address

    Sellerdeck Payments by Opayo requires that the IP address that the payment request is sent from, should be registered in your Opayo account.
    This IP address is normally the server that hosts the web site, however When uploaded to servers that are not hosted by Sellerdeck, there may be a complication.

    Some hosting companys use a technique for technical purposes that can send the payment request from a different IP address, than the server that the site is hosted on. This will display the message: 'invalid 4020: information received from an invalid IP address'.

    If this is the case, you will need to contact your hosting company and ask them to give you the alternative IP addresses that they may use in this instance, and you will be able to register them in your Opayo account. Details on how to do this are given here: https://www.opayo.co.uk/support/16/3...o-your-account
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