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1-866-iQmetrix | www.iQmetrix.com

AIO Wireless

Brad Dolan 12/5/2012

AIO Dealer Payment Processing Guide RQ4 v4.12.1

AIO Dealer Payment Processing Guide | Brad Dolan Page 1

Table of Contents Welcome Message ......................................................................................................................................................... 2

Processing Options ........................................................................................................................................................ 3

Existing RQ4 Integrated Processing Customers ........................................................................................................ 6

RQ4 Payment Operations Guide ................................................................................................................................... 7

How do I Set up a Workstation .................................................................................................................................. 7

VeriFone Hardware ............................................................................................................................................... 7

RQ4 Signature Capture .......................................................................................................................................... 7

Payment Integration Settings ................................................................................................................................. 9

Chase Paymentech Setup ..................................................................................................................................... 10

Elavon Setup ........................................................................................................................................................ 11

Performing a swipe credit/debit signature sale ........................................................................................................ 12

Performing a Pin Debit sale ..................................................................................................................................... 17

Performing a Manual Entry Credit/Debit Signature Sale ........................................................................................ 19

Performing a Phone Authorization .......................................................................................................................... 20

Performing a Refund ............................................................................................................................................... 21

Voiding a partially paid invoice............................................................................................................................... 21

Closing and Reconciling your Batch (Paymentech, Heartland) ............................................................................... 23

Column Overview: .................................................................................................................................................. 25

Reconciling your Batch (Auto-batching) ................................................................................................................. 26

Column Overview: .................................................................................................................................................. 26

Glossary of Terms ....................................................................................................................................................... 28

Appendix A ................................................................................................................................................................. 29

Card Association and Assessment Fee Definitions.............................................................................................. 29

Additional information can be found in the following documents from Elavon: ................................................ 31


Welcome Message

Hello and welcome to the AIO/RQ4 payment processing guide. The purpose of this document is to outline the

choices you have for your payment processing needs and proper operation of the RQ4 point of sale system. iQmetrix

is integrated to several payment processing companies and is pleased to provide you with options for your merchant

needs. If you are a current RQ4 merchant you can continue using the processor and setup you enjoy today. If you are

new to RQ4 we have outlined the options for merchant processing in the Processing Options section of this

document.


Processing Options

No Contract- Our Month-to-Month agreement ensures we earn your business month after month.

Hardware Collection- Reduce your losses in equipment costs for broken service contracts (no cost for this

service)

Transparent Pricing- Our pass-through pricing processes your transactions at the lowest possible

qualifying rate.

Resource Online- ROL is our Best-In-Class Award winning proprietary reporting tool designed directly

from our merchant’s recommendations. Our Resource Dashboard allows merchants to quickly and easily

track their business activity.

In House Support- From authorization to statement reconciliation, Chase Paymentech handles all your

needs under one company without outsourcing.

Single Point of Contact- Your account rep will walk you through every step of the setup process.

Extremely low Cost Plus pricing- Interchange Pass-through plus 5bps (basis points) and $0.08 per

transaction.

Free Hardware Collection Setup

Free Resource Online Reporting

No Application Fee

No Monthly/Yearly PCI compliance fees

For setup or a comparison to your existing processor, contact

Jeff Hodge

214-849-3665

[email protected]

mailto:[email protected]


In an increasingly complex business landscape, Elavon is your global source for innovative payment

solutions—the one company that clients and partners everywhere trust to securely and reliably manage their

payments business. Whatever you need and wherever you need it, we deliver innovative and secure solutions to

help you increase revenues, decrease costs, and sharpen your competitive edge.

More than 1 million merchants trust Elavon to efficiently and securely manage their payments business. We

extend powerful payment solutions, flexible connectivity, and effective fraud monitoring tools to customers

around the globe—from smaller retail merchants to national retailers, as well as large organizations in segments

such as hospitality, healthcare, and the public sector.

Elavon provides end-to-end payment processing services to merchants and financial institutions in the United

States, Puerto Rico, Canada, Mexico, and throughout Europe. Our payment products are supported by the most

reliable network in the world. We handle every aspect of the acquiring relationship—transaction processing,

risk and underwriting, settlement, equipment deployment, chargeback management, reporting, and customer

service. Our customers can also count on us to keep their payment processing compliant with changing payment

security requirements.

Contact:

Denise Atkinson

[email protected]

(800) 226-9332 ext. 8177



Elavon Service Transaction processing fees include:

Interchange Pass-Thru Pricing: All Visa®, MasterCard®, Discover® Card, Unionpay, American Express, and

debit network authorization and Interchange fees, assessments, dues and other fees and charges are passed to

Merchant at cost.

DESCRIPTION Charge DESCRIPTION Charge

MasterCard/Visa/Discover Rate 0.00% MasterCard/Visa/Discover Auth Fee $0.090

PIN Debit Rate + Debit Network Fees 0.00% PIN Debit Auth Fee + Debit Network Fees $0.090

American Express Auth Fee (Existing SE #’s) $0.100 Voice Auth (touchtone) $0.750

Voice – Operated Assisted $0.900 Voice – AVS $0.900

Voice – Bank Referral $4.000 Set-Up Fee (one time per location) $35.00

Monthly Min. Processing Fee Waived Chargeback Fee $15.00

PCI Compliance Service Fee (per location) $4.000 Non-validation PCI Compliance Fee $34.95

Card Imprinter (optional) $22.00 On-line with Case Management (OMC) $5.00

Paper Statements (optional) $10.00 Rush Fee (per relationship) $40.00

Return Item (NSF) Fee $20.00 American Express One Point (>500K) 2.89% $0.10

Merchant Supplies By Order SRS Annual Fee 1099 (per relationship) $34.00

For more information on Elavon see Appendix A

https://www.merchantconnect.com/CWRWeb/displayMemberLogin.do


Existing RQ4 Integrated Processing Customers

Customers who are already using RQ4 and integrated payment processing may continue to leverage existing

relationships with integrated processors. You will need to obtain new MID’s for each physical location and a

terminal ID for each workstation where you will take payments. Contact the representatives listed below to discuss

your options for carrying over your agreements:

Elavon Contact:

Denise Atkinson

[email protected]

(800) 226-9332 ext. 8177

Paymentech Contact:

Jeff Hodge

214-849-3665

[email protected]

Heartland Contact:

Bob Payne

[email protected]

866-752-4489





RQ4 Payment Operations Guide

How do I Set up a Workstation

VeriFone Hardware

1) Download and unzip VeriFone’s USB Drivers.zip from iQmetrix support site (http://support.iqmetrix.com).

2) Make sure the device is NOT plugged in to the computer.

3) In the unzipped folder you will find 2 folders:

4) For 32 bit operating system:

a. Win7-Vista-XP-(Embedded) 32bit USB Driver

i. Inside you will find usb_installvfi_3_1.zip, unzip this file

1. After unzipping the file go to that folder and run usb_installvfi_3_1.msi

5) For 64 bit operating system:

a. Win7-Vista-XP-(Embedded) 64bit USB Driver

i. Inside you will find usb_installvfi64_1_0.zip, unzip this file

1. After unzipping the file go to that folder and run usb_installvfi64_1_0.msi

6) After successful installation of the driver plug in the device and wait for Windows to complete the

installation.

RQ4 Signature Capture

After installing the hardware drivers you will need to setup your RQ4 workstation to use the device. Proceed to

Settings\Workstation

Settings\Signature Capture.

Select the VeriFone MX915

from the drop down. Check

off Enable Magnetic Stripe

Reader and then proceed to

the pin pad settings section.

http://support.iqmetrix.com/


Pin pad settings will load the defaults except for the com port. This is determined when you connect the VeriFone

device for the first time. To check on the com port setting, navigate to Device Manager in Windows. The VeriFone

device will be listed as MX800 Family POS Terminal with the com port number next to it as seen in the image

below.

Set the com port setting in RQ4 to match what is listed here and save the settings. Once this is completed the test pin

pad button will enable and you can check on connectivity. If the test is successful move to the next section and load

the forms to the device by clicking the Load Device Forms button (image 1). This process may take a few minutes.

Once the process has completed you can then click the Test button to capture a signature.

Your device is now configured!


Payment Integration Settings

Once you receive your merchant account from one of the processors at the start of this document you will need to

enter the information into RQ4. The processor will give you a “VAR” or “tear” sheet for each physical location with

your account details. This tells the RQ4 system where funds should be directed. The processor maintains the link

between your merchant account batch and your bank account. Your processor representative can help you when

entering the credentials in RQ4. Because the processors produce the account detail sheets we cannot guarantee they

will always have the same appearance or order for information.

To enter the credentials proceed to Settings/Workstation Settings/Payment Integration. Check off the enabled check

box to activate the workstation. Select your payment provider (Paymentech, Elavon, or Heartland) from the drop

down to reveal the settings for that provider. For all providers ensure that the swipe device selected is the VeriFone

MX 915.


Chase Paymentech Setup

There are 2 options for Chase Paymentech as a provider, “Paymentech” and “Paymentech Auto Batching” are the

options and there are subtle differences between them:

Paymentech (US)

No Pin Debit support

Terminal capture setup for the merchant account

Batch data is held at iQmetrix until rep closes the terminal and batches out from RQ4

Payments that are missing invoices are automatically dropped when the batch is closed

Batches will not close without rep intervention, authorizations not batched can be lost after 3-5 days


Paymentech Auto Batching

Full Pin Debit support

Host capture is setup for the merchant account

Batch data is held at Paymentech until a set time each night when the batch closes

Reconciliation is required for overages (payments without linked invoice)

o User will need to verify the batch total at Paymentech matches RQ4

No extra work required to close out the batch

Elavon Setup

Elavon has a single setup selection and is configured for auto batching. Each terminal must have a unique number

and the RQ4 system will enforce this. If you need to re-use a terminal number the system will ask for manager

override permissions and record the override for reporting. If you use the same terminal number on multiple

machines transactions may overwrite each other and cancel the payments!


Performing a swipe credit/debit signature sale

Once you have completed adding items you will progress to the tender screen. The system will display the invoice

total to the user on the signature capture device.

The consumer/customer must acknowledge the total before the system will allow you to proceed to payment. If the

customer is unable to accept you can click the “Get verbal approval” link on the status window. This will be logged

with your employee information for reporting and security purposes.


Once the customer has agreed to the invoice products and cost you must select a payment type for the invoice.

Multiple payment types can be used to complete the invoice. Select the credit payment type and the full remaining

amount of the invoice will appear next to the selected type. You can chose to leave this amount or adjust it when

using multiple payment types.

If you need to fix the payment amounts you can click the grey X next to the payment amount to remove it. Then

continue to add payments until the full amount of the invoice is entered. When a credit or debit card payment has

been approved the grey X button will disappear. At that point you must cancel the invoice to refund the money to

the customer. (See Voiding a Partially Paid Invoice)

Once the amount is set click the Tender button to proceed to the next step. For a credit or debit signature payment

the system will present the swipe screen below as well as light up the signature capture device to show the customer

that they should now swipe their card.


The system will show you information about the device connection and card information on the status window.

The display will show the information below:

o Connecting to device

o When the card holder should swipe

o Confirmation of the card number

o Processing screen is shown

o Next payment

o Customer to sign for payment

o Approve the signature (verify the signature matches the back of the card) (click OK)

o Tendering Invoice displays (invoice is being saved)

o Print/email the receipt

Once the customer swipes the card you must click OK to proceed. The screen below gives you a chance to verify the

name on the card matches the data read from the magnetic stripe. The card holder name and last four digits of the

card are displayed.

RQ4 Screen Display VeriFone MX915 Display


After clicking OK the system will process the card showing the

pin wheel while the system waits for a response.

The signature device will show the customer the response

the system receives either approved or declined.

If the payment is approved the system will ask the customer to sign the device for each different card/amount

entered on a particular sale. This signature is captured and secured in the system for later reference.


When the customer has finished signing the device they will

click continue and the signature will present in the status

window. You must verify that the signature they provided

matches the signature on the back of the card. If you believe

it matches click Confirm. If you want them to sign again

click Reset and the system will present the customer with

another signature window.

Once you have confirmed the signature for the final payment the invoice will save to the database you should see the

image below.

When the invoice has completed the status window will present you with options for the invoice. You can choose to

email, print the invoice or exit the sale.


Performing a Pin Debit sale

A Pin Debit transaction will operate is the same manner as a credit sale. The only change is that the customer must

enter their debit pin code on the signature device. In order to process a pin debit payment you must select the Debit

payment type. The full amount of the invoice will appear next to the debit payment type. You can adjust this amount

for multiple payment types. Following the credit sale flow the user will swipe their card and then system will then

ask the user to input their pin. The following screens will appear after the customer has swiped their debit card.

The customer has now swiped the pin debit card and the system

is waiting for you to click OK. You should confirm the last four

digits and name are the same as the front of the card.

After clicking the OK button the system will display a prompt the customer to enter their pin on the signature

device. The system will wait for the user to either enter the pin or cancel the request.

o


Once the customer has entered the pin number the system will

display the pin wheel while it waits for a response from the

processor.

When the response is returned the signature device will

display the approved or declined message.

Once all payments are approved the system will save the invoice and display the invoice print selection screen in the

same way as noted in the credit sale section of this document.


Performing a Manual Entry Credit/Debit Signature Sale

If the signature device is not working or a card will not swipe properly you may have to manually enter the card

information to process a transaction. Manual card entry is not as secure as swipe so this process should only be used

if you are sure the card is not lost or stolen. Additional step must be taken to prove the card was at the location

during the sale. An imprint must be taken of the card front in order to prove the card was at the location should the

card holder wish to fight the charges. If you are unsure about this process you should speak to your manager before

manually entering cards.

Once you have completed adding items you will progress to the tender screen. You must select a payment type for

the invoice. Multiple payment types can be used to complete the invoice. Select the credit payment type and the full

remaining amount of the invoice will appear next to the selected type. You can chose to leave this amount or adjust

it when using multiple payment types. After entering all payment click the Tender button to proceed.

The system will display the swipe card window. In the drop down at the top of this screen select “I want to manually

enter the card details.”

The display will ask for the card information required to

process:

Cardholder Name

Card Number (Front of the card)

Expiry date (MMYY)

CVV Code (last 3 or 4 digits on the back of the card)

Billing ZIP code (the cardholders billing address,

where their credit statements are mailed to)


Once the information is entered click OK to process the transaction. The processing pin wheel will show until the

processor responds in the same way as a swiped transaction. Once all payments have been approved the invoice will

be saved and the invoice print screen will show in the status window. For a manual entry sale you can accept a

signature on the device if the device is working. If the device cannot accept an electronic signature you MUST print

the invoice and have the customer sign below the card details. The invoice with the signature must be saved in order

to provide proof that the card holder was present during the sale. Always check the signature against the back of the

card to ensure the card is not stolen. The card imprint can be completed on the invoice and both must be secured

according to your merchant PCI processes.

Performing a Phone Authorization

Phone authorizations are used for multiple reasons but are not suggested for normal operations in a retail store.

There are two main reasons to attempt a phone authorization:

Credit card processing is down

You receive an error when trying to get transaction approval such as “Call for Auth”

In both the above cases the process to receive and enter a phone authorization are the same. Like manual entry sales

you must take an imprint of the card to prove the card was present at the time of authorization. To get a phone

authorization you must call your authorization center NOT the number on the back of the credit card or any number

the card holder may give. Multiple methods of fraud happen when the store representative is tricked into calling a

number the card holder provides. If you are unsure of the authorization phone number do not perform a phone

authorization.

To complete the authorization process you will call into the authorization center. They will ask for the card number

and the amount you wish to charge. If the system approves the amount the operator will give you a six digit code.

This code must be entered exactly as given or the charge may end up being reversed after the fact. The system

cannot verify that the code was correctly entered. The signature pad will not engage on phone authorizations as you

will need a physical copy of the signature along with the imprint of the card. After entering the charge information

and clicking OK the system will proceed just as described in the credit section of this document.


Performing a Refund

Once the items for refund have been selected you can proceed to the payment screen. If the invoice was paid by

credit card you must select credit (or the type of card used, Visa, MC). The amount will be filled in. If the original

invoice was paid by splitting between cash and credit you will need to adjust the amount of the refund to credit so

that it matches the original payment. The system will not allow you to refund more to the card than originally paid

without manager approval. *See Refund Rules for more information.

Voiding a partially paid invoice

When a credit or debit payment has been accepted the X button next to the payment type and amount will disappear.

The means the payment was accepted and the system will continue on to the next payment type.

If an error occurs after this point and you cannot complete payments or save the invoice you can click X on the sale

and the system will void the transaction.


The system will ask you if you are sure you want to cancel the sale. Clicking Yes will cancel all activity on the sale

to this point and a new sale would have to be created.

If you are using a terminal batch provider (Paymentech, Heartland) the system will remove the payment from the

batch record. When the batch is closed at the end of the day this transaction will not be presented. You may see the

following screen if the system isn’t able to void a transaction.

If you are batching no further steps is required. The fund will free up on the card in the same way a refund is issued

but it can take up to 5 days for the funds to be available.

With an auto batching provider we attempt to reverse the transaction to free up the funds faster. Not all banks

support this and we cannot verify that the funds will be freed on the card. You should see the message below when

the system has reversed a payment.

For auto batching setups you will need to contact the processor in order to void the charge if it fails. Each processor

has specific requirements to perform this. Contact your provider rep to learn the options they provide.


Closing and Reconciling your Batch (Paymentech, Heartland)

At the end of the day the rep should cash out the system by counting the cash in the drawer and entering these

amounts into the cash out screen. As part of the regular cashout you must also batch out the credit card transactions

for the day. To batch your transactions begin the cashout process by clicking the Sales icon

From the top action bar click Cash Mgmt and New Cashout from the dropdown menu.

The cashout screen will appear and will prompt you to settle you batch. You can also click the Settle button on the

top action bar of the cashout screen.


The settlement or batch out screen details each transaction and invoice it was recorded on. It also shows the

summary of transactions by payment type. This information can be used to complete the cashout screen once

batching is complete.

If you must void a transaction you can click the row of the transaction you would like to void and click the delete

button on your keyboard.


You can click either of the Settle Batch buttons on the top left or bottom right of the screen. The transactions are

then sent to the provider and the batch is closed. The batch is then marked for funding and the total will be deposited

to your bank account.

Batch transaction data can be viewed on the Payment Integration Batch report.

Once you have set your report criteria and run the report there is an additional action you can

perform.

Click on the blue underlined link in the Batch Number column to view the Payment

Integration Transaction Report.

Column Overview:

Batch # - batch number assigned by the software.

Location - the location for this batch.

Terminal # - name/number of the terminal which did the transaction

Status - is the batch open or closed.

Start Date - date and time when was this batch started, this is immediately after the

previous batch was closed

Closed Date - date and time when this batch was closed

Amount - amount in this batch

# of Auth. - number of authorized transactions in the batch

Employee - employee who batched out

Merchant # - merchant number for the location


Click on the blue underlined link in the Batch Number column to view the Payment Integration

Transaction Report.

Reconciling your Batch (Auto-batching)

The RQ4 system will record all credit and debit transactions that are made and these can be viewed on the Payment

Integration Transaction by Date report. This report is used in conjunction with the online reporting provided by your

processor of choice. Contact you processing rep to get an introduction to their online reporting services.

In RQ4 you can view transaction by location/date however you will only have access to locations you have

permissions to view. Once you select the location and date click Run Report to see the results.

Column Overview:

Invoice - the number of the invoice

Invoice Type - the type of invoice, e.g. bill payment, invoice, etc.

Store Name - name of the location where the transaction was made

Auth Type - indicates if this is a sale or refund

Trans Type - what type of transaction this is

Card Type - type of card used

Amount - dollar value charged to the card

Entered By - notes whether it was a manual, phone authorization, chip or swiped

Merchant # - merchant number supplied by the payment processor


TerminalID - terminal ID for the workstation where the transaction was made

Employee- name of the logged in employee when the plan was purchased

Auth. Date - date and time of the authorization

Auth. # - authorization number for the transaction

Cardholder Name - name of the credit/debit cardholder

Last Four Digits - last four digits of the card

Transaction Result - notes if the transaction was approved or declined

Reversed/Voided - notes if the transaction is a reversal or void

Reversed/Voided Reason - reason for the reversal or void if applicable


Glossary of Terms

MCC: Merchant Category Code

RQ4 clients will fall under the Retail code meaning card present swiped transactions at the point of sale

Batch

Acts like a bucket where approved credit and debit transactions are held until settlement

Settlement

The act of closing the batch and moving funds from the card issuing bank to the merchant bank account


Appendix A

Elavon Details

Hi, On behalf of everyone at Elavon Merchant Services, thank you for choosing us for your processing

needs. The first step is to complete the merchant application. This can be email or faxed to me along with a

voided check and your sales tax certification. Please call or email the Elavon contact for a current version of the

application form.

Application Help:

o W9 at the top of page will need to be completed exactly as you file your tax returns.

o Two signatures are required. Both are located on page four under section ❻ Merchant

Representations and Certificates and section ❼Personal Guaranty. If you choose not to sign the

personal guaranty section, 3rd party prepared financials or two years of federal tax returns are

required. Please note that we cannot accept any mark outs on this page.

Card Association and Assessment Fee Definitions

Visa

Account Verification Fee (AVF) – a fee Visa will assess for each $0.00 authorization request, allowing a

merchant to verify a cardholder account status. The fee is $0.025 and will apply to all account verification

requests, including other authenticating elements such as CVV2 and AVS.

Assessment % - fee is 0.11% and is billed on all sales volume.

Clearing Access – fee is $0.0025 and is a per item fee billed on all settled sale items. Another name is Base II

Access fee. Base II is the clearing system that Visa uses to clear transactions.

Fixed Acquirer Network Fee (FANF) – fee amount varies and is dependent on number of locations, card

present versus card not present volume, and MCC. See “Fixed Acquirer Network Fee.pdf “ for assistance with

calculating fee.

International Acquiring Fee – fee is 0.45% and is assessed on any transaction taken at a US Merchant from a

cardholder outside the US.

International Acquiring Fee High Risk – fee is 0.90% and is assessed on any transaction taken at a US

Merchant from a cardholder outside the US at MCC 5962, 5966, or 5967.

International Service Assessment – fee is 0.40% and is assessed on any transaction taken at a US Merchant

from a cardholder outside the US.

Mis-Use of Auth – a fee assessed for each Visa authorization which cannot be matched to a settlement

transaction or authorization reversal. The fee is $0.045 per item.

Network Acquirer Processing Fee (NAPF) – a fee that Visa applies to each authorization request. The fee is

$0.0195 per authorization request. The fee is $0.0155 per debit authorization request.


Transaction Integrity Fee – fee is $0.10 per item and will be assessed on both consumer and commercial,

regulated and non-regulated transactions that are either not eligible of fail to meet CPS qualifications, including

quasi-cash and high-risk telemarketing MCCs 5962, 5966, or 5967.

Zero Floor Limit – a fee applied to any Visa transaction settled without a proper authorization, including

forced transactions. The fee amount is $0.10 per transaction.

MasterCard

Account Status Inquiry – a fee that MasterCard will assess for each $0.00 authorization request used to

validate aspects of a cardholder’s account. The fee is $0.025 and will apply to all account verification requests,

including other authenticating elements such as CVC2 and AVS.

Acquirers License fee – fee is .0045% and is assessed on all MC credit and signature debit volume processed.

Both international and domestic US volume is included in the assessment.

Acquirer Program Support Fee – fee is 0.55% and is billed on all sales volume where the merchant country is

different than the card issuing country.


International Cross Border Fee – fee is 0.40% and is billed on all sales volume where the merchant country is

different than the card issuing country.

International DCC Cross Border Fee – fee is 0.80% and is billed on all sales volume where the merchant

country is different than the card issuing country AND the merchant currency code is different than the

transaction currency code.

North American Brand Usage fee (NABU) – a fee that MasterCard applies to each authorization

request. This fee is $0.0185 per authorization request.

Processing Integrity Fees – a fee assessed for each MasterCard authorization which cannot be matched with a

timely settlement transaction or authorization reversal. The fee is $0.045 per item.

Processing Integrity Line Item – fee is $0.01 and is assessed for records on the MC processing integrity fee

report file.

Discover


Data Transmission Fee – fee is $0.0025 and is an Assessment Per Item fee billed on sales items.

Data Usage Fee – fee is $0.0185 per item and is billed on all authorizations.

International Processing Fee – fee is 0.40% and is billed on transactions at US merchants, where the card

issuing country is outside of the US.

International Service Fee – fee is 0.55% and is billed on transactions at US merchants, where the card issuing

country is outside of the US. JCB and China Union Pay BIN ranges are excluded from this fee.


American Express

International Cross Border Fee – fee is 0.40% and is billed for any AMEX transaction issued outside of the

US. This fee will be passed on to all accounts due to an agreement with AMEX, including those excluded from

Card Association Fees.

Additional information can be found in the following documents from Elavon:

Sample Monthly Statement – Interchange Plus.pdf

Statement Guide.pdf

Fixed Acquirer Network Fee.pdf

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