TSYSRetail Bean

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The TSYSRetail component is an advanced tool used to authorize credit cards in a Retail environment, where the customer is purchasing products or services in person. This component makes authorizing these types of transactions very easy. Supported Industry Types include retail stores, restaurants, grocery or food stores, Hotels, and Auto Rental businesses.

Syntax

InPayDirect.Tsysretail

Remarks

This component allows for simple, direct, secure connection to the Vital/TSYS TLS/SSL gateway through a standard Internet connection. This component can be integrated into web pages or stand-alone Point Of Sale applications. Because all TLS/SSL communications are handled inside the component, any application or web page can be deployed without the need for expensive dedicated TLS/SSL servers.

The TSYSRetail component makes authorizing Card-Present transactions (where the customer's card is swiped through a card reader) very easy by adding an additional layer of abstraction between the programmer and the protocol. There is no need to deal with raw sockets, TLS/SSL handshakes, or data packet formatting. The steps to setting up the component and authorizing a transaction are outlined below:

First, set the merchant properties with setup information acquired from your member bank or processor. For instance:

  component.MerchantBankId = "999995"  '(BIN number)
  component.MerchantCategoryCode = "5999"
  component.MerchantName = "test merchant"
  component.MerchantNumber = "123456789012" 
  component.MerchantCity = "Beverly Hills"
  component.MerchantState = "CA"
  component.MerchantStoreNumber = "5999"
  component.MerchantTerminalNumber = "1515"
  component.MerchantZip = "90210"

Next, set properties that contain details about the transaction. At the minimum, you must set a TransactionAmount, TransactionNumber, and IndustryType.

  component.TransactionAmount = "100"
  component.TransactionNumber = 1
  component.IndustryType = itRetail

Now, set the credit card properties. If available, you should use Track1 data. Some cards may have a corrupt or missing track1, and for these cards you may use track2 data. If the card is not readable, you may also manually enter the card number and expiration date. The following example shows a transaction sent with track1 data.

  component.Card.MagneticStripe = "%B4444333322221111^SMITH/JOHN J         ^031210100000033301000000008000000?";
  component.Card.EntryDataSource = edsTrack1;  

Finally, submit the transaction by calling the Authorize method.

When the component receives a response from the Vital/TSYS servers, the result of the authorization will be displayed in several Response properties. The Code indicates whether the transaction was approved, and the AVSResult indicates whether the customer's billing address on file with his credit card company matches the information presented in the CustomerAddress and CustomerZip properties. The remaining properties provide additional information about the transaction.

Once an authorization request is approved, the money in the customer's account is blocked and tagged for the merchant. This transaction must go through the Batch Settlement process in order for the blocked money to be transferred to the merchant account. This is done by passing the XML aggregate returned from the GetDetailAggregate method to the TSYSSettle component. Usually, a Batch Settlement of all authorized transactions is done at the end of each business day.