Section 11
Credit Card Processing Settings

RASWIN integrates with the CHARGEITPRO credit card processing system from GRAVITY Payments. If you are set up with a GRAVITY Payments account Quadrant and Gravity Payments will assist you establish the needed settings.

RASWIN does not capture or store any information such as credit-card numbers, expiration dates, CCV codes, etc. Rather, the CHARGEITPRO application interface takes care of securely capturing this information via the card terminal (supplied by Gravity Payments) and communicating this information between the terminal and Gravity Payments processing servers.

All integration with the older system (PCCharge) is fully deactivated in current versions of RASWIN.

In addition to the miscparms there is a simple setting for each payment method that needs to be associated with credit card processing. These are in the Payment Types table. Click here to review those settings.

A list of the possible misc parms and their values is included in the paragraphs that follow.

Note that in the settings shown below, the KEY VALUE column shows nnn which represents the 3 digit register number for each workstations. For these settings, there is a separate value stored for EACH workstation. This is done so individual workstations can have different values in use (for example, in a multi-department situation, you might have one workstation that processes credit cards and another that does not.

KEY VALUE	What it does ...
General Information about Credit Card Settings	The Quadrant Systems RASWIN application uses a credit card processing module called ChargeItPro. This module links to an internet-based authorization system via a locally based credit card reader, supplied by ChargeItPro. When credit card related transactions are processed, either as part of the normal payment entry process, or subsequently for voids or credit returns RASWIN creates a link to the card reader and submits the required information to complete the transaction. At that point, the terminal takes over and completely controls the interaction in a secure manner via tokens which essentially are encrypted versions of the transaction request and required data such as the customer credit card or debit card information. The terminal also supports manual entry of the credit card number if it can not be read from the card for any reason. No credit card information is entered directly via the RASWIN application or stored in the RASWIN database. When the card authorization or void/refund transaction is completed, the ChargeItPro software returns control to the RASWIN program, and passes back relevant data such as the authorization number, unique transaction ID (needed for void/refunds), and RASWIN then creates a customer receipt. In order for the processing steps to work correctly, the ChargeItPro software and terminal must be installed using the instructions provided by ChargeItPro. Additionally, certain settings must be established in the RASWIN tables to enable communication with ChargeItPro and to provide the needed settings to permit the authorization process to function properly. These are described below.
nnn-SECURITY-CIP-ACTIVE	If set to Y the program will try to process the credit card transaction when a CC (credit card) or DC (debit card) payment method is selected. If the card reader is connected to the workstation and located (by the ChargeItPro software module) the reader will take over the processing functions. It will prompt the user to scan the card (or insert it into the chip reader), authorize the amount, and to sign the slip (on the reader screen). Assuming the transaction is authorized the "OK" will be passed back to RASWIN and a customer receipt will be printed. If not authorized, an appropriate message will be displayed and the user can try another card, or select an alternate payment method, or simply cancel the transaction entirely. Note that if you have been previously using PCCharge, you will need to set the nnn-PCCharge-ACTIVE setting to N, as shown above. There are a few other settings related to the login timeout value, forcing password to be reset after a given number of days, and enforcing minimum password length and password complexity which are automatically set to the required values if this setting is set to Y. If the nnn-CIP-ACTIVE flag is set to Y on ANY register, additional options for reporting and reprinting credit card receipts will appear on the RECEIPT and REPORTS menus on ALL registers, even if a particular register is set up only for reporting functions, assuming the security level needed to access those functions is at or below the logged in user's level.
SECURITY-LEVEL-CIP-CREDIT-CARD-REFUND	This setting controls the level of security needed to perform refund/return transactions. The default setting is 99999 When a card transaction is completed it can be voided on the same day, and will not go through the final settlement process. Once the transaction has been settled, it can be reversed via a credit/debit return process. This may be a complete return of the funds to the customer or a partial return. There can be multiple returns of funds against a single original charge, however RASWIN has logic to ensure that the amount of the return[s] can't exceed the original total amount of the charge. For example, if a customer's card was initially charged $100.00, you could refund the full $100.00 in a single transaction, or any combination of up to $100.00 in multiple refund transactions. This might happen, for instance, if a customer used a card to pay for parks and rec fees for multiple classes, and one of the classes was subsequently cancelled. You would refund only the portion of the fees that applied to the cancelled classes. Similar situations could apply in the case of a facility rental fee which also had a refundable deposit.
SECURITY-LEVEL-REPORTS-CIP-TRANSACTIONS	This setting controls the level of security needed to see the report screen that shows the credit card transaction data stored by RASWIN. The default setting is 99. The previously described setting SECURITY-LEVEL-CIP-CREDIT-CARD-REFUND is relevant to this setting, because you must first go to the CIP-Transactions Report option on the REPORTS menu in order to see the transactions. Then, if the user's SECURITY-LEVEL is equal to or greater than the SECURITY-LEVEL-REPORTS-CIP-TRANSACTIONS the option to return all or part of the original transaction amount will be available.

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During payment processing, you will simply need to select the CC payment method or one of other the methods such as DC (Debit Card) that is linked to the ChargeItPro modules via the CREDIT_CARD_VERIFY field on the payment type. When you leave the amount field, the following screen should appear:

Note that the above sample screen also includes a representation of the card swiper. This is a module provided to developers such as Quadrant Systems RASWINto allow development and testing with a card reader "emulator". In the examples shown here, the emulator references swiping the card, but the actual reader will support either swiping (for cards without a chip) for insertion of the card into the chip reader portion of the pin-pad (generally on the bottom of the reader, below the keypad). Note that depending on the model of reader you end up selecting, you may also be able to processing payments via Apple Pay and other types of NFC (Near Field Communications), as well as debit/Pin transactions.

Obviously, your existing mag stripe readers or other readers without an EMV chip reading capability will need to be replaced. Cost for the newer readers is about $300 each. Here's an image of a typical EMV enabled reader:

After swiping or inserting the card, the system will ask you to confirm the amount of the charge (which will be passed directly from Quadrant to the reader. To do this you or the customer will press the green button on the reader. If the transaction is a debit-card the customer will also need to enter their PIN number on the reader and then press the green button. Unlike EMV operation in Europe and many other countries credit card transactions will not require use of a PIN number.



If the charge is approved you will see a confirmation form ChargeItPro similar to that shown below. If not there will be a descriptive screen explaining why it was not approved.

Two credit card slips will be printed, one for the customer to sign and one for you to keep.

As always, the CASH RECAP REPORT will show the credit card/debit card totals. Details of each charge will also be available on the cash recap report in the Transaction Details section.

Settlement of your card transactions will generally be set up to auto settle. Full details of these actions and transaction details will also be ava via the ChargeItPro web site using their online reporting module. Here are a few sample reports available from the online ChargeItPro system:

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When the report screen is selected, the CC/DC transactions for the current accounting date will be displayed.

For example to see all payments from someone named JONES, you would enter %JONES (or *JONES - the system will change an entered * wildcard to the % wildcard used by RASWIN). If you knew the name was TOM JONES, you could enter that name but the name must match exactly. Alternatively, you could enter T*JONES and it find both TOM JONES and THOMAS JONES. If you don't find the name it will usually be best to use just the last name, and if there is any doubt about the spelling of the last name, you can even use multiple wild-cards, e.g,. %SM%TH% would find smith and smythe.

You can also use the regular RASWIN receipt reprint/search functions to search on other criteria such as an account number, transaction amount, etc. Once you do that you will be able to see the name used on the transaction.

If your security permits you to perform refunds/returns an additional set of options will appear near the top of the screen once you have selected a specific transaction, by clicking on the line of the item as shown in the display grid. The maximum un-refunded amount available for refund will be automatically entered, since this will usually be the amount you want to refund. If you w refund less than this, simply change the value. If you try to refund more than this the program will adjust the amount downward so as not to exceed the total of the original amount less and previously issued refunds.

To actually issue the refund, click on the ISSUE CREDIT button. This will communicate with the card reader terminal and create the needed refund request. The specific transaction to be refunded is known by ChargeItPro because the "REF#" field is passed to ChargeItPro and it has recorded the needed details about the original transaction when it was first processed.