To authorize credit card transactions, the merchant simply completes an electronic form that provides the Virtual Terminal system with the information it needs to complete the transaction. This information is encrypted using the latest 128 bit Secure Socket Layer (SSL) technology and sent to the Paysignet server. The server then sends the data through the authorization network over a secure, proprietary connection. When the process is completed the merchant receives the transaction authorization status.

The Virtual Terminal makes credit card authorization and transaction processing fast and easy.

To start using the Virtual terminal interface you must first determine and select the settings for the Virtual Terminal. Determine whether you would like to receive payments by credit cards only or both credit cards and net banking for any Virtual Terminal transaction and select the appropriate option under the 'Virtual Terminal Settings' link.

To enter a Virtual Terminal transaction follow the following steps:

Step 1: View and Enter Transaction Information The fields that appear for entry on this page are determined by the settings that you have configured on your account as well as field requirements determined by your processor. All required fields are displayed with an asterisk (*) to the right of the field. This indicates that you must provide a valid value in this field in order to submit the transaction. All other fields that appear are optional.

Virtual Terminal Invoice Information: This section allows you to input information associated with each virtual terminal order or invoice. The merchant needs to enter the invoice number, which must be an unique number for each order. Billing Information This section allows you to enter the customer's billing information associated with the transaction. Fields available in this section include: Customer Name, Address, Country, Telephone Number, and Email Address. Shipping Information This section allows you to enter the customer's shipping information associated with the transaction. If the shipping information is the same as the billing information a simple checkbox selection will automatically populate the information in the appropriate fields. Fields available in this section include: Name, Address, Country, and Telephone Number. You may also check a box on this page to populate the shipping information with details entered above in the Customer Billing Information section of this page. If checked, the details will populate the fields in the Shipping Information section. Product DetailsThis section allows you to enter details of the product / products being orders like Product Description / Goods Sold, Total (INR) Amount (Rs.) and Additional Terms & Conditions / Other Notes or Instructions for each transaction.

Step 2: Select a Payment Method: Depending upon your virtual terminal settings the payment options will be displayed. Select one of the options listed below. On selecting whether to charge to a Credit Card or debit a Bank Account the details of the payment authorization information fields to be captured will be displayed.· Charge a Credit Card - The sub-merchant may select any of the options to indicate which credit card the customer has presented. Transactions of this type require a credit card number, expiration date and amount. The amount of the transaction will be charged to the credit card provided. · Debit a Bank Account - The sub-merchant must select out of the many netbanking options depending on which Bank account the customer wishes to transfer funds from in exchange for goods and/or services. Transactions of this type require a bank account name.

Step 3: Payment/Authorization Information: This section describes information associated with the payment method and authorization of the transaction. In case of a charge to Credit card the fields in this section would include: · Credit Card Number - Credit card number of the customer. The system will only accept card numbers that correspond to the types listed in the accepted payment method field. · Expiration Date - Month and year of the expiration date of the credit card. This should be entered in the format of mm / yy. For example, an expiration date of July 2005 should be entered as 0705. The sub-merchant will also be required to verify and tick the appropriate option. Card Validity Is the Card member Present Does the signature match (with the signature panel on the card) Match Cardholder with Personal ID (Driving License, Passport)In the case of eCheck transactions, selecting Debit a Bank Account will display the following information in this section in addition to amount and currency: · Name of Account Holder - This is the name of the person in which the bank account at the financial institution is held.

Step 4: Click Submit.

Step 5: The system will return a response regarding the status of this transaction. If your transaction is approved, you will receive a message indicating that the transaction is approved with a link to more details. If your transaction is declined, you will receive a message indicating that the transaction was declined during authorization. If an error occurs during processing or if your transaction contains invalid data, you will receive an error message indicating the error. In case of JCB card and the Amex (only incase the Amex server is down) a status of 'B' will be returned indicating that the transaction is under batch processing. In case of batch processing orders, they will appear under the pending orders link only after the orders have been processed in the offline mode.

Step 6: On successfully completing the transaction the order will appear under the 'Pending Orders' link of the sub-merchant backend. The merchant must capture the Virtual Terminal order within the stipulated 12 days, as is the case for all other orders.

Step 7: The sub-merchant must take a print out of the Virtual Terminal order invoice, obtain the signature of the customer on the invoice and send a copy of the same to Paysignet for their records before payment for the captured Virtual Terminal orders will be released. The sub-merchant may view the orders, which are on hold on account of the non-receipt of invoice copies.