PayPal Properties Dialog Box

Specify these settings if you use PayPal’s Payflow Pro credit card processing. The information is specific to your contract with PayPal or your e-commerce provider. For more information about credit card processing in Polaris, see E-Commerce with PayPal® Payflow Pro®.

Enter the following settings on the Payflow Pro Settings tab:

• Cancel SALE Method - Determines the appropriate automatic action (VOID or CREDIT) to cancel a SALE transaction. A sale may be canceled when it has been approved but fails AVS and/or CVV2 verification, or when a Polaris database error occurs. You must contact your processor or PayPal e-commerce account provider to determine if the processor uses the batch method or if they are host-based. If the processor uses the batch method, you must also verify that SALE transactions can be voided. If so, you can select VOID as the cancel sale method and avoid paying two transaction fees. Most processors use the batch method. However, if the processor uses the host method, you must select CREDIT as the cancel sale method, and you will be charged two transaction fees when a sale is canceled. (Examples of host-based processors include PayPal and Global Payments Central.)
• Email credit card processing errors to - Specify a staff e-mail address to receive automatic e-mail messages when a credit card transaction fails and staff intervention is required. The staff member can then take action on the failed transaction.
• Username and Password - Obtain these settings from PayPal or your e-commerce partner.
• Partner - Enter your partner’s code here (PayPal or your e-commerce provider)
• Timeout - Set the number of seconds that should elapse with no action before the payment connection times out. The default is 30 seconds.
• Server - Type payflowpro.paypal.com for live transactions.
• AVS and CVV2 - Security measures that may be provided as part of your VeriSign contract. Select (check) these options if they are included in your contract.

AVS (Address Verification) options - AVS compares the submitted street address and ZIP code with the values on file at the cardholder’s bank. The AVS result is for advice only. Banks do not decline transactions based on the AVS result, but you may. If you check AVS, you can set a level of checking. Y = value matches, N = value does not match, X = cardholder’s bank does not support.

• Full indicates that the street address must be Y and the Zip code must be Y or the transaction is declined. There can be no N values and no X values.
• Medium indicates that there can be no N values (YY, XY, YX, XX allowed).
• Light declines transactions only when both values equal N. All other combinations are accepted.
• Pre-authorize SALE - Available if you selected AVS and/or CVV2. You can avoid VOID/CREDIT processing for canceled sales in some cases by choosing to pre-authorize SALE transactions. The pre-authorize option allows you to AUTHORIZE a transaction before submitting the SALE transaction. An AUTHORIZE transaction returns an approval/decline along with the AVS and CVV2 information without actually charging the cardholder’s account. Use the AUTHORIZE transaction for a small dollar amount such as $1 (the default) to process the AVS and CVV2 information. If AVS or CVV2 fails, the cardholder is warned and the actual charge is not placed on the credit card account. This eliminates the need for VOID/CREDIT processing of a SALE based on failed AVS or CVV2. If the AUTHORIZE transaction is approved and AVS/CVV2 passes all tests, then a SALE transaction is issued for the full amount. If a SALE is declined for the full amount, the Cancel SALE method (VOID or CREDIT) would be used to cancel the SALE transaction. To use this option, select (check) Pre-authorize SALE and type an amount from $1 to $2.

Note:
An AUTHORIZE transaction will still place a small hold (for example, $1) on the credit cardholder’s funds. Depending on the cardholder's bank, the hold may remain for 24 hours to a week. While this style of processing credit card payments can help reduce SALE issues based on AVS and CVV2 processing, it requires an additional transaction fee for every credit card payment.

Supported credit cards tab - Select (check) the types of credit cards your provider accepts. These settings control the options that are displayed for selection when the patron is making a payment online. Then click OK.

Note:
You can set the credit card types at the system, library, or branch level. The Supported Credit Cards tab indicates the organization from which the settings have been inherited. If you make a change at the branch level, the branch name is displayed on the tab. If you want to revert to the settings of a higher level organization, clear all the check boxes and click OK. Then open the tab again. The settings of the higher level organization are displayed, and the name of the organization is displayed on the tab.

reCAPTCHA tab - Libraries that use PayPal Payflow Pro for credit card donations through Polaris PowerPAC or Mobile PAC can enable Google's free reCAPTCHA feature, which adds human verification to the process of submitting a donation to the library. This minimizes the possibility of a robotic "user" making many small fake donations to the library to verify stolen credit card information. Genuine donors identify a picture or select I'm not a robot to continue with the donation process. Select (check) Enable reCAPTCHA for donations and supply your Google Site Key and Google Secret Key. See Set up Google's reCAPTCHA on the PAC Donations page.

Next, set up credit card processing for the PAC, the staff client, and Polaris ExpressCheck as necessary. See Set up PayPal Payflow Pro credit card payments.