Secure Site Setup

The Secure Site Setup screen is used to enable your web site's ability to accept secure credit card transactions and website currency.

Y.E.S.!™ is pre-configured to work with the secure, real-time credit card services of our Partners to provide a safe way for your Customers to purchase your products online using credit cards and/or checks.  However, before you can use the secure site features built into the program, you must have an account established with one of our Partners. You may apply for a Secure Site account from within the Y.E.S.!™ program by clicking on the "Apply for a Secure Site Account" button on the bottom of the Secure Site Setup screen.  For further information, please contact our website.  

Once you have established a secure site account, simply enter the required information into the Secure Site Setup screen fields and select the service that you have signed up with.  You are ready to accept credit card payment with encryption and verification over the Internet.  When a sale is made you will receive an email with the details of the sale.

When you first enter Secure Site Setup, you will be presented with the following screen:

Check Local Settings - This button is informational only.  If will not make any changes to your operating system.  Clicking on this button gives you a quick way of reviewing the regional settings currently used by Microsoft Windows on your computer.  These settings will control the way that your computer and Y.E.S.!™ interpret such things are dates, times, currencies and number formatting. Y.E.S.!™ will utilize the currency that is based on your Regional Settings.  

Use secured site - To enable secure transactions check the Use Secured Site check box. When using the Secure Site verification system, you can choose to accept payment by credit card, check, or both by simply checking the appropriate boxes.

Allow non-secured purchases (via Email) - A "non-secured purchase" is a Purchase Order.  In a Purchase Order, no credit card or other method of payment information is given.  Only the intention to buy with the Customer's name, address and contact information are disclosed.   This is the normal method of making purchases used by businesses and individuals with established accounts. Details of the actual monetary transaction between the Customer and the Merchant will be conducted  by other means, such as mail, messenger or delivery person, personal visit or telephone.   If you check the Allow non-secured purchases (via Email), your customers may still submit purchase orders to you via unsecured email. This is the process used if you do not have a Secure Site account, and you will be able to invoice the customer for the appropriate amount.

Select Business Currency (Web Site Currency) - This box is used to select the currency that will be used on your website.

The currency symbol, as indicated by the Red Arrows above, should normally be set to match.  In the example shown above, the Regional setting was Germany (Austria), Euro currency.  We therefore selected "Euro" from the "Select Business Currency" drop down box.

• NOTE:  This currency should be the same as the "Local Currency" symbol shown.  In addition, make sure that the currency that is being used by your Merchant Account is the same as the currency being used by Y.E.S.!™  If is not, when your Internet orders are processed, they will be processed using the currency of your operating system, rather than the currency of your website.  The currency used by your eBay®  auctions may or may not agree with your computer's regional settings because of the many wokld-wide eBay® sites and payment options that eBay®  make available to bidders.  Y.E.S.!™ cannot convert exchange rates for you. So, if the currency being used by Y.E.S.!™ differs from your Internet currency, YOU are responsible for manually making the necessary price adjustments!

• NOTE: You may only select ONE currency.  

The list of available currencies varies with the method that you select for accepting payments on your website.  

iTransact™ - If you have selected iTransact™ as your payment gateway, the only currency that will be accepted for online payments is US dollars.

Plug'n Pay™ - If you have selected Plug'n Pay™ as your payment gateway, four currencies will be shown in the drop down list as shown below.

Accept Only Purchase Orders - if are NOT utilizing a secure payment gateway, as indicated by NOT checking the "Use secured site" box, the drop down list will contain additional currencies, as shown below.  

NOTE: If you are accepting Purchase Orders in addition to secure transactions, Purchase Orders will use the currency of the selected Secure Site, that is, they must be the same.

The complete list of the currencies currently for available for use with websites accepting orders by means of purchase orders only available is:

US dollar
Canadian dollar
Euro
UK Pound Sterling
Australian dollar
Chinese yuan renminbi
Japanese yen
South Korean won
Mexican peso
New Zealand dollar
South African rand
Swiss franc
Taiwan dollar
(support for additional currencies will be added later.)

Apply for a Secure Site Account - This button will take you to our Partner's website where you may conveniently apply for a Secure Site account in order that you will be able to process credit card orders on-line.

Settings Tab

Internet Sales:

Secure Provider - Select the secure payment gateway service to which you belong.  Current options are: iTransact and  Plug'n Pay™.

Secure ID -  Enter your ID into the Secure ID text box.  (Note: This number is not the Merchant ID number that you received from your bank.)

Message that will appear on the bottom of form - Your Secure Site allows a personalized message to appear at the bottom of the form that is used to collect your customers information. This is where you may enter your own personalized message.

Point of Sale Sales:

Retail Secure ID: If you have a Plug'n Pay™ Retail Merchant Account, in addition to your website Merchant Account, enter your Retail Secure ID here.  This field is used only by Y.E.S.! Point of Sale™ to process in-store credit card transactions.  This Retail Merchant Account will process your Y.E.S.! Point of Sale™ Credit Card Transactions via the Internet, without the need for a dedicated phone line.

Retail Password: If you have a Plug'n Pay™ Retail Merchant Account, in addition to your website Merchant Account, enter your Retail Password here.  This field is used only by Y.E.S.! Point of Sale™ to process in-store credit card transactions.

Tax PNP Shipping Cost on Internet Orders - Check this box if you want to charge Sales Tax on the cost of shipping on your website.  (The default is shipping will not be taxed.)

Checks

The Checks tab is optionally used to configure how you will process Checks on-line.

If you want to accept payments by check, then you can take advantage of iTransact™ RediCheck™ or the Plug'n Pay™ ACH eCheck™ services.  These services  verify the users identity before processing the sale.  

There are three check boxes on this screen:

• Accept Checks - This is the master check box which will activate the remainder of the check processing options.

• Allow pre-registered customer to pay with check - (This feature is available with iTransact RediCheck™ only).  The "Allow pre-registered customers to pay with check" check box allows users to quickly, easily, and safely buy from your store without the hassle of entering all their account information for every sale.  Checking this box will place the pay by check options on your web site's check out page.

• Are you setup with Check Guarantee? - Check Guarantee offers added security by checking the users name against the Social Security database and drivers license database for verification. If you want to use this feature, check the box labeled "Are you set up with Check Guarantee".  Check this box only after you have configured "Check Guarantee" from your iTransact™ Control Panel.

Cards

 if you are using a secure transaction gateway, on the Cards tab you select which forms of Credit Card you are able to accept on your website.

Frequently ask questions regarding credit card transactions:

Q. How are credit card transactions done with different currencies?  For Example, I am in the USA and someone in Europe buys something off of my website. Where and when does the money get changed into US dollars?

A 1. If you are utilizing the iTransact™ secure payment gateway: The great thing about this service is that it allows you to take credit card transactions from anywhere and at anytime.  If your customers are using major credit cards (i.e., VISA, MASTERCARD) to purchase on your site, you would charge them in US dollars and the credit card processing system would automatically deduct from their account the proper equivalent and then deposit that in your account. The conversion is completed by your credit card processing network.

A 2. If you are utilizing the  Plug'n Pay™secure payment gateway: The foreign currency to US dollar conversion is done via the credit card issuer upon settlement of the transaction.  Merchants charge the US dollar amount for all orders & products. Both foreign & US customers make purchases as usual.  The total for the transaction will be made in US dollars.  When the transaction is settled, the merchant received the US dollar amount for the order in their bank account. The foreign customer sees the equivalent amount of the transaction total in their type of currency on their credit card statement. The credit card issuer does the foreign amount conversion from the customer's type from currency to US dollars in order to correctly settle the transaction. The exchange rate use din the conversion, is the exchange rate for that type of currency for that day to US dollars.

Q. Can a person anywhere in the world have a website and use iTransact's credit card services?

A. They can, but they would have to establish a compatible US based merchant account.  Any Merchant Account that utilizes one of the following processing networks is compatible:

• NOVA
• VISANET (Vital)
• FDR/FDC (First Data/FDMS)
• CES/4 (CardNet/First Data/FDMS)
• GENSAR (Paymentech)
• MAPP HOST/M (GPS)
• NABANCO (FDMS/First Data)
• NDC/CNET/N (GPS)

If your processing network is not listed here, please contact your merchant account provider and request to be moved to one of the supported processing networks.  You may need to print this list of supported processing networks for their use.

Q. I am not in the US and I cannot obtain a US based merchant account.  How then can I have a secure transaction account?

A. By utilizing  Plug'n Pay™s international service called SureFire, you will still be able to have secure transactions from your website.  SureFire acts as a Merchant Account.  Therefore, you do not need a Merchant Account from your own bank.  Sales made from your website through Plug 'N Pay will go to SureFire, who will then directly deposit the funds into your designated bank via electronic fund transfer (EFT).  There is no charge for EFT.  The SureFire service will automatically deduct its' processing fees from each transaction.  Through SureFire you will be able to accept all major world currencies.  After paying a low setup fee of £99, with SureFire there are no up front deposits, no monthly fees, and no minimum monthly volumes to maintain.  SureFire is a separate service from  Plug'n Pay™ and must be purchased separately.