Archive: October, 2016
It’s a scary time of year, and Halock has a new poster about protecting yourself against cyber nightmares. While you’re there, check out their series of other free security tip posters.
Enhanced clarity, zero downtime, and narrowed focus are just three reasons this article uses to explain why ERP software can improve productivity.
‘Tis (almost) The Season … And now is the time to make sure your business is ready for it. This article at internetretailer.com discusses 5 ways to keep your e-commerce site from crashing this holiday.
High fraud risk areas aren’t limited to other countries. Risky zip codes are here too, and knowing where fraud occurs can help protect your customers. This is another of the many ways InOrder helps your business stay strong. InOrder uses specific fraud scoring criteria to alert you to possible fraudulent purchases.
Morse Data Corp. works with several business partners to increase your productivity and help you keep your customers happy. One of these partners is Avalara.
Avalara is the market-leading provider of sales tax and compliance automation services in the cloud. InOrder supports both AvaTax Basic and AvaTax Pro. The AvaTax integration simplifies the tax calculation process for InOrder users, easily calculating the final sales tax amount on every invoice. All this is possible even across multiple jurisdictions, and as sales tax rules change. Benefits of AvaTax Pro include access to tax research for over 2400 products & services, and 100,000 taxability rules, as well as ongoing tax research and maintenance. Another benefit with AvaTax Pro is that Avalara manages taxability for you, which is very helpful if you sell a variety of products and services, your tax rules vary between jurisdictions, or you have nexus in multiple locations.
Avalara is one of many of Morse Data’s partners. InOrder also integrates with 15 payment processors, eight shipping interfaces, Endicia, Solr Search, Facet Filtering, Adobe Omniture, two FAX interfaces, Peachtree, Quickbooks, and Adapta for General Ledger, and Experian Address Validation.
InOrder is a real-time, tightly integrated, single database ERP system for multi-channel merchants, Internet retails, publishers, and fulfillment solutions providers. You can read some of our reviews here.
To find out more about integrating InOrder with any of these solutions, give us a call.
As you may already be aware, several mandates from credit card associations are taking effect this month, and several of you have received notices and updates from your banks or your credit card processors. We have also received notice of these new mandates, and we would like to discuss how these changes affect InOrder.
Previously, MasterCard numbers were always prefixed with a “5.” As of October 2016, MasterCard will start issuing card numbers that begin with a “5” or a “2.” InOrder has been supporting this change since version 9.09.16.
13 to 19 Digit Card Numbers
Previously Visa, MasterCard, and Discover card numbers were issued with 16 digits, and American Express with 15 digits. Now, per the mandates, card issuers may now begin using 13 to 19 digit card numbers. The only announcement we have to date related to this is that as of October 2016, Discover plans to begin issuing 19 digit card numbers. InOrder version 11.00.05 adds support for accepting 13 to 19 digit card numbers.
MasterCard has re-classified authorizations into two types:
- “Pre authorizations,” which allow the authorization amount to change, and which last up to 30 days.
- “Final authorizations”, where the amount is locked until settled, and which last up to 7 days.
The processors each may handle support for this change differently, but in most cases the processing will mimic the way it has always worked and so no action is required.
- TransFirst will default the authorization type on Auth Only transactions to populate an Authorization Indicator with “Pre-Authorization.” TransFirst will default the authorization type on Auth and Settle transactions to populate an Authorization Indicator with “Final Authorization.”
- Depending on the processor, CyberSource will provide a configuration option enabling you to flag all of your transactions as either “Pre,” “Final,” or “Undefined.”
For other processors, please check with your processor to confirm how this MasterCard mandate may affect your authorizations.
MasterCard is changing rules for payment amount when capturing an authorized transaction. Previously some processors allowed you to set a percentage over the authorized amount that the capture could exceed by and still successfully capture. This provided for minor changes to an order after authorizing the charge that bumped up the order total slightly but did not require an additional authorization. Of course, this setting needed to match the overage allowance percentage supported by the card type and your processor, otherwise a decline could result.
After October 14, 2016, MasterCard is no longer allowing this feature except for restaurant & bar industry transactions. The capture amount can always go under the authorized amount, but after October 14 you can no longer go over it.
MasterCard has mandated authorization reversals on non-settled authorizations. For MasterCard beginning in November 2016, a new Processing Integrity Fee will be applied if the authorization is not settled or reversed/voided before it expires. (i.e., 30 days).
InOrder has always voided authorizations when canceling prepayments; however for orders that do not ship and require a “reauthorization,” InOrder previously relied on the credit card processor to handle this, since they have always done it automatically. As of October 14, it will be the merchant’s responsibility to void authorizations.
InOrder 11.00.05 offers the ability to reverse authorize as part of the re-authorization process. To accommodate this properly, InOrder will “void and copy” the originally authorized prepayment, followed by an immediate authorization of the new copy of the prepayment. Additionally, InOrder offers the ability to reverse the expiring authorization but delay the reauthorizations until their order is filled and ready to print. This option is the recommended best practice, allowing your customers full access to their credit lines while waiting for backorders and ship complete orders. This change also includes authorization / captures for PayPal processing, and we expect it to now be easier to process PayPal transactions as well.
Morse Data Development Teams have been busy this year. We are now in the final stages of a full PA-DSS software audit with Dara Security (www.darasecurity.com) for the new PCI version 3.2. Watch for more announcements about our PA-DSS audit soon.
Contact us if you need additional information about processing credit card payments with InOrder.
You take care to keep your passwords safe, you follow all the recommendations to keep your personal data secure, and you keep your computer protected with backups, firewall, and anti-virus software.
But when you’re using your debit card, do you make sure nobody is looking when you enter your PIN or password? Is anyone looking over your shoulder while you check your bank account from your phone? When you’re shopping online, who can see you enter your payment information? If you take your work outside the office, what steps do you take to protect it? What about working with sensitive information at the office?
While this may sound too low-tech to worry about, it can be very serious if sensitive information is seen by prying eyes.
This article by HP discusses how dangerous this type of theft can be, how successful it is, who is vulnerable, and how you can protect yourself against it.
Some of the precautions it includes are simple: use internal firewalls to keep sensitive information confidential; make sure visitors and other employees don’t have access to workspaces with sensitive information; look around and wait until your environment is private.
The last suggestion is the most simple: When you’re in public, simply make sure no one is watching you work with your sensitive information. Stop and look before you enter that PIN or password, whether it’s on your phone or at the register, and don’t enter your credit card where someone else can see your screen. If you do, you’re not being paranoid – you’re protecting yourself.