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4. e-Terminal (Virtual terminal)

1. Introduction

Our eTerminal solution provides you with the greatest flexibility possible for your online business. Never before has it been so simple to make payments!

It is an effortless way to accept payments for card-not-present situations. You simply need to receive the card details via phone or mail!

• It's convenient: There's no need for your customers to see you in person or even visit your website! Of course, even if you meet your customers face-to-face, you will still be able to use this solution
• It's quick: You do not need a web shop or any other technical integration on your side - just use our payment form, enter the data and receive and answer in real-time!
• It's easy - for both you and your customers !

Do you have a whole team handling your incoming mail and calls? Create individual user profiles for each of your employees in a single account and allow processing multiple transactions simultaneously - without any extra cost or workload for your company! If you have your own call software, you might even want to use DirectLink to seamlessly link it to our solution.

The graph above shows a transaction flow with e-Terminal integration

Depending on the way you use eTerminal, make sure that you fulfil the necessary PCI requirements:

Usage mode	Required PCI certification
Nexi Payengine Back Office only	SAQ C-VT
Back Office and physical terminal	SAQ D / smart SAQ
DirectLink	SAQ D

2. Get started

To process transaction on our platform with eTerminal, make sure that

• You have a production account on our platform
• Your user profile allows creating transactions
• You fulfil the mandatory PCI requirements

Before you process live transactions, feel free to use our test environment to learn our solution without costs or any commitments involved! Once you want to go live, contact us!

3. Accept payments

eTerminal offers you the possibility to receive payments from either Credit card or via Direct debits .

The graph above shows a step-by-step transaction flow with e-Terminal integration

To do so, follow these steps:

• Login to the Back Office and go to: “Operations  > New transactions”.
• Select either “Credit Cards” or one of the local “Direct Debits” variants, then follow the path linked to the payment method you have selected.

Credit cards

Here are the mandatory fields (marked with “*”):

Field	Description
Card number	Your customer’s card
Expiry date	Your customer’s card expiration date
CVC	Your customer’s CVC card code
Total	The amount to charge. Use the period (“.”) for decimal amounts
Currency	The currency for the amount to charge. If you have multiple currencies configured in Configuration > Account > Currency, a drop down menu will appear

You also have the possibility to use the following fields. Using them will add data to your transaction and thereby help you organise your orders.

Field	Description
Origin of the transaction (ECI)	The Electronic Commerce Indicator (ECI) describes how you receive the card data from your customer and how you use it for this payment. The default value is “1 – Mail order/Telephone order (MOTO)”, which is the most common scenario (you want to process a payment for a credit card you received via phone or email). Please check our chapter Additional possibilities to learn which other values may apply to your business.
First name Name Address line 1 Address line 2 Address line 3 Postcode City County Country E-mail address Phone number	Your customer’s invoicing address
Order reference	The individual description for the transaction. Depending on your acquirer’s capabilities, this value will be printed on your payout report
First name Name Address line 1 Address line 2 Address line 3 County Country	Your customer’s delivery address
Description	You can define the value freely. Depending on your acquirer’s capabilities, this value will be printed on your customer’s bank statement.

Click then on SUBMIT to process the payment. You will receive the result of the payment after a few seconds on the screen. See chapter 3 to learn about the possible outcome.

Direct debits

The list of mandatory fields (marked with an *) depends on where your customers are located (either the Netherlands, Austria or Germany). However, all Direct debit local variants require the following fields:

Field	Description
IBAN or Bank account	Your customer’s bank account data
Account owner	Your customer’s name or company
Amount	The amount to charge. Use the period (“.”) for decimal amounts

In addition to this, the following must also be filled in depending on your card holder's region on the regional variant:

Field	Mandatory for
Order Reference or Mandate ID: Your customer’s authorisation for the transaction	Direct Debits NL Direct Debits DE
Sequence type: Denotes if this transaction is a single payment (one off) or part of a payment cycle (One-off First / Recurring / Final)	Direct Debits NL Direct Debits DE
Address + Postcode/City: Your customer’s invoicing and / or delivery address	Direct Debits NL Direct Debits AT

On top of this you can also fill in additional fields. Again, the availability may vary depending on which regional variant you use.

Field	Description
BIC	Your customer account’s Bank Identifier Code according to ISO 9362 (also known as SWIFT code)
Description	You can define the value freely. Depending on your acquirer’s capabilities, this value will be printed on your customer’s bank statement.
Order reference	The individual description for the transaction. By default, you can use the same order reference multiple times. If you want to work with unique order references, contact us so we can set it up in your account.   Depending on your acquirer’s capabilities, this value will be printed on your payout report
Sign Date	The date when your customer authorised the transaction

Click then on SUBMIT to process the payment. You will receive the result of the payment after a few seconds on the screen. See chapter 3 to learn about the possible outcome.

4. Monitor your transactions

Right after you have submitted the transaction, our system provides you with the result in the browser. The screen sums up the information you have entered previously. You can use this information to access the transaction at a later point to perform maintenance operations (i.e. a refund) at a later point.

Depending on which payment method you have used it will show different information.

Credit cards

Have a look at the most important fields:

• Payment reference: The unique identifier of the payment (the PAYID) in our system. Look up the transaction and its current status via Operations > View Transactions > Pay ID. Check out our dedicated guide to learn more. 

• Authorization code: Your acquirer's reference to the transaction's authorisation request.

• Operation code: Shows whether the transaction has been processed as an authorisation only (the amount is only blocked on your customer's card) or a direct sale (the amount has been ordered to be paid out in one go).   

Direct Debits

Have a look at the most important fields:

• Payment reference: The unique identifier of the payment (the PAYID) in our system. Look up the transaction and its current status via Operations > View Transactions > Pay ID. Check out our dedicated guide to learn more.  

• Status: The numeric value indicates whether the transaction was successful or not. Depending on the local Direct Debits variant your card holder used (temporary) status are possible. Our system will update a temporary status within a few hours automatically. Check out in our dedicated guide the meaning of each status. 

Other ways to get feedback

Apart from manually looking up the transaction status in the Back Office, our platform offers you manifold ways to get information about your transactions.  You can use of them any time you need them, which offers you a maximum of flexibility!

• Receive notifications by E-mail: Configuration > Technical Information > Transaction emails and enter your E-mail address(es) and select “Yes, for all transaction submission modes.” and “Yes, for each offline status change (payment, cancellation, etc.)”.

• Request transaction status via Server-to-Server: Our API allows you to establish a connection from your server to our platform. This enables you to receive the status of a transaction any time at will, without having to log in to your account. Check out our DirectLink documentation how you can realise this.

• Get a list of transactions on a daily base: Create an automated Push reports with just a few clicks! Our platform will then send you a daily list of all processed transactions in one go.

• Download transaction overview: You do not have to check transactions one-by-one. If you process a lot of transactions, our Back Office Batch downloading tool will come in handy. Our API also provides you with the possibility to receive this batch by a server-to-server request any time you wish.

5. Use additional possibilities

Although our eTerminal module is easy to use, it is also a very resourceful tool. It offers you many different possibilities to make your business thrive!

Making recurring payments with Alias manager

Without having to request the card data for each transaction, you can serve your regular customers effortlessly and quickly.

Make sure that the option Alias Manager is activated in your account in Configuration > Account > Your options. Check out the dedicated chapter in our Alias Manager guide for how to do it.

• Go to Configuration > Alias > Alias list. Look up the Alias you want to use by filling in one or more of the search criteria.

• Click on the USE You will be redirected to a pre-filled payment form (see chapter 1).

• All you have to fill in by yourself is the “Total” field (for the amount to charge) and select "2 - Recurring payments coming from MOTO" (to indicate that this is a recurring payment, so you can leave the mandatory CVC field empty)

• Click on SUBMIT. You will see the result of the transaction as described in chapter 3.

Process transactions via group account

If you have a group account, you can create transactions on each PSPID linked to your group. You can do this either on PSPID level or on group level:  

 PSPID level

• Login to the Back Office with your group account login.
• Go to “Other merchant”. Select a PSPID from the drop down menu. Click on “IMPERSONATE THIS PSPID”
• Go to Operations > New transaction and fill in the form as described in chapter 2.

Group level

• Login to the Back Office with your group account login. Go to Operations > New transaction.
• Select a payment method and fill in the form as described in chapter 2. Mind that you have to additionally select a PSPID for field “Beneficiary” from the drop-down menu. The PSPID’s company name will be the value of the field. In contrast to transactions created on PSPID, it is not possible to fill in your customer’s address data.

Link call centre software to our payment platform

If you have an in-house solution for processing transactions, you can seamlessly link it to our platform.

Your employees can still work with what they are already familiar with. No need for them to learn new tools or to get familiar with our Back Office!

You can achieve this with our DirectLink solution. Creating a transaction is almost identical with a standard request. The only difference is that ECI is a mandatory parameter. By sending ECI=1 you indicate the card-not-present situation. This will ensure that the transaction succeeds without 3D-Secure authentication.