1 Common Payment Service 101 A Gateway Solution Supporting Participants of Both the EFT and Merchant...

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Common Payment ServiceCommon Payment Service101101

A Gateway SolutionA Gateway Solution

Supporting Participants of Supporting Participants of

Both the EFT and Merchant Card Both the EFT and Merchant Card Services ContractsServices Contracts

August 2008August 2008

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Common Payment ServiceCommon Payment Service

Service SponsorsService Sponsors

Office of State Controller Office of State Controller Office of Information Technology ServicesOffice of Information Technology Services

ObjectiveObjectiveTo support the OSC’s statewide enterprise solutions To support the OSC’s statewide enterprise solutions involving EFT and Merchant Card Processing, by involving EFT and Merchant Card Processing, by providing an interface with the vendors for participants providing an interface with the vendors for participants requiring a gateway service.requiring a gateway service.

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Card Processor EFT Bank

Common Payment Service

Agency Participants

OSC

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EFT (ACH)EFT (ACH)

Agency InternetAgency Internet Application Application

STMSSTMS

APIAPI

For participants of OSC’s Master Services Contracts:For participants of OSC’s Master Services Contracts: Having an internet application requiring a gateway to the processor (EFT Having an internet application requiring a gateway to the processor (EFT

and Merchant Cards)and Merchant Cards) Desiring a virtual terminal for capturing card not-present transactions , such Desiring a virtual terminal for capturing card not-present transactions , such

as Mail Orders and Telephone Orders (MOTO)as Mail Orders and Telephone Orders (MOTO) Not having ability to transmit ACH files directly to bankNot having ability to transmit ACH files directly to bank

CardsCardsAgencyAgencyAcct/Pay System Acct/Pay System

AgencyAgencyAcct/Rec System Acct/Rec System

WachoviaWachovia

Virtual CreditVirtual CreditCard Terminal Card Terminal

API = Application Program Interface

Cybersource Middleware

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Available Options via the Common Payment Service

“Engine”

SunTrust Merchant Services (Merchant Card Processor)

Wachovia Bank (ACH Processor)

ACH Transactions(Direct Deposit & Drafts)

Merchant Cards Transactions(Credit and Debit Cards)

CPS Standard Online ReportsWachovia Connection Online Reports

My Merchant View Online Reports

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Available Methods via the Common Payment Service

“Engine”

SunTrust Merchant Services (Merchant Card Processor)

Wachovia Bank ACH Processor

CPS Standard Online Reports

Web Application(ACH & Cards)

Virtual Terminal (Cards)

Interactive Voice Response (Future)

Mainframe Applications(ACH & Cards)

Wachovia ConnectionOnline Reports

My ClientLineOnline Reports

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BenefitsBenefits Provides a common Application Program Interface (API) that Provides a common Application Program Interface (API) that

facilitatesfacilitates Transmission of ACH files to the EFT vendorTransmission of ACH files to the EFT vendor

• ACH Credits (Outbound payments)ACH Credits (Outbound payments)• ACH Debits (Inbound payments – collections)ACH Debits (Inbound payments – collections)

Processing of Merchant Card transactionsProcessing of Merchant Card transactions• AuthorizationsAuthorizations• Processing of batches for settlementProcessing of batches for settlement

Lower cost by leveraging existing technology and Lower cost by leveraging existing technology and streamlining business processesstreamlining business processes Technical documentation and guidance providedTechnical documentation and guidance provided Minimal connectivity required (VPN, Connect Direct)Minimal connectivity required (VPN, Connect Direct) Online processing resultsOnline processing results

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ReliabilityReliability Available 24 / 7 (Pre-scheduled maintenance 8 hrs per Available 24 / 7 (Pre-scheduled maintenance 8 hrs per

week)week) Historical service availability to participants - 99.99%.Historical service availability to participants - 99.99%. Certified as a PCI Security Standard compliant service Certified as a PCI Security Standard compliant service

provider.provider. Disaster recovery through Business Continuity Plan for Disaster recovery through Business Continuity Plan for

mission-critical systemsmission-critical systems

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CPS Provided ReportsCPS Provided Reports

CPS Reports are in addition to vendor provided reportsCPS Reports are in addition to vendor provided reports MyClientLine (Merchant cards)MyClientLine (Merchant cards) Wachovia Connection (Merchant cards and ACH)Wachovia Connection (Merchant cards and ACH)

Access to reports is secured and restricted to each Access to reports is secured and restricted to each participant’s specific informationparticipant’s specific information

Settled ACH Files ReportSettled ACH Files Report Displays summary information, including total amount and transactions, for files that have been Displays summary information, including total amount and transactions, for files that have been

transmitted.transmitted.

Authorized Merchant Card Transactions ReportAuthorized Merchant Card Transactions Report Displays detailed information for credit card transactions that have been successfully authorized.Displays detailed information for credit card transactions that have been successfully authorized.

Settled Merchant Card Transactions ReportSettled Merchant Card Transactions Report Displays detailed information for credit/debit card transactions that have been settled.Displays detailed information for credit/debit card transactions that have been settled.


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Utilization by State AgenciesUtilization by State Agencies Merchant CardsMerchant Cards

Vehicle Registration RenewalVehicle Registration Renewal Hunting and Fishing LicensesHunting and Fishing Licenses UCC Filing FeesUCC Filing Fees Personal and Corporate Income Tax PaymentsPersonal and Corporate Income Tax Payments Labor Department Publications Labor Department Publications

ACH PaymentsACH Payments Direct Deposit of Personal and Corporate Income Direct Deposit of Personal and Corporate Income

Tax PaymentsTax Payments Direct Deposit of State Income Tax RefundsDirect Deposit of State Income Tax Refunds Agency-Local Government Fund TransfersAgency-Local Government Fund Transfers

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Common Payment ServiceCommon Payment ServiceUtilization byUtilization by

Colleges and UniversitiesColleges and Universities

Merchant CardsMerchant Cards Student Tuition and Fees PaymentsStudent Tuition and Fees Payments Student Parking Permits and CitationsStudent Parking Permits and Citations Campus Cashier’s Office ServicesCampus Cashier’s Office Services BookstoresBookstores

ACH PaymentsACH Payments Student Refunds – to studentsStudent Refunds – to students Tuition Payments –from studentsTuition Payments –from students

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Common Payment ServiceCommon Payment ServiceOther ParticipantsOther Participants

Local Units of GovernmentLocal Units of Government Local School SystemsLocal School Systems Boards and CommissionsBoards and Commissions County Health DepartmentsCounty Health Departments

Gateway Participation RateGateway Participation Rate Merchant CardsMerchant Cards

9 Participants – 33% of State’s card volume9 Participants – 33% of State’s card volume FY 2007-08 – 2 million transactions - $137 MillionFY 2007-08 – 2 million transactions - $137 Million

ACH (EFT)ACH (EFT) 10 Participants – 20% of State’s EFT volume10 Participants – 20% of State’s EFT volume FY 2007-08 – 2 million transactions - $6.1 billion FY 2007-08 – 2 million transactions - $6.1 billion

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Common Payment ServiceCommon Payment ServiceExample of an Agency Internet ApplicationExample of an Agency Internet Application

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Common Payment ServiceCommon Payment ServiceCredit Card Payment OptionCredit Card Payment Option

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Common Payment ServiceCommon Payment ServiceACH Payment OptionACH Payment Option

(Bank Account Draft)(Bank Account Draft)

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Virtual Credit Card Terminal (VCCT) OptionVirtual Credit Card Terminal (VCCT) Option

Web-based application

Ideal for MOTO (Mail Orders Telephone Orders)

Thin Client, Java-based application

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ACH Services Rate ScheduleACH Services Rate Schedule Monthly Fee Monthly Fee

Annual Transactions Annual Transactions Monthly Transaction RangeMonthly Transaction Range Range:Range: $.0258 - $.08$.0258 - $.08 Per TransactionPer Transaction

6,0006,000 < = 500< = 500 $40.00 $40.00

30,00030,000 501 - 2,500501 - 2,500 $168.00 $168.00

60,00060,000 2,501 - 5,0002,501 - 5,000 $322.50 $322.50

120,000120,000 5,001 - 10,0005,001 - 10,000 $630.00 $630.00

300,000300,000 10,001 - 25,00010,001 - 25,000 $1,230.00 $1,230.00

600,000600,000 25,001- 50,00025,001- 50,000 $2,450.00 $2,450.00

1,200,0001,200,000 50,001 - 100,00050,001 - 100,000 $4,800.00 $4,800.00

2,400,0002,400,000 100,001 - 200,000100,001 - 200,000 $6,840.00 $6,840.00

4,800,0004,800,000 200,000 - 400,000200,000 - 400,000 $10,320.00 $10,320.00

> 400,000> 400,000 Negotiable Negotiable

Merchant Card Rate

$.35 Per Transaction

(Reduced from $.41 in 2008)

Common Payment Service RatesCommon Payment Service Rates

Set annually by Enterprise Solutions Services

Included in agency’s monthly ITS invoice

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For information about this gateway service contact:For information about this gateway service contact:

John Paschal, ITSJohn Paschal, ITS Amber Young, OSC Amber Young, OSCService Mgr, CPS Service Mgr, CPS Mgr, Central Compliance Mgr, Central Compliance919-754-6559919-754-6559 919-981-5481 919-981-5481


Office of State Controller Web sitehttp://www.ncosc.net

ITS Enterprise Solutions Services Web site http://www.its.state.nc.us/ServiceCatalog/CommonPaymentService.asp

1 Common Payment Service 101 A Gateway Solution Supporting Participants of Both the EFT and Merchant...

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