How to use a stored token for credit card payment: CenPOS training video

Variable payment recurring billing is easy and fast using CenPOS token billing solutions. Video shows how to retrieve a stored token to charge a credit card again. Tokens replace sensitive card data with random alpha numeric characters. Merchants can then charge the card again, with customer permission, by retrieving the token.

A Christine Speedy, CenPOS global sales, training video. This video uses ZOOM so you can watch as is, or enlarge as it was recorded in larger 1280 width. If you have trouble viewing, watch it on youtube: #33 How to use a stored token for credit card payment: CenPOS training video .

Tokens replace sensitive payment information with the last 4 digits of the card only, and the random alpha numeric token ID that replaced the full card number. CVV can never be stored, per card association rules, but merchants can perform a zero dollar authorization before creating a token.

Click on the credit and debit tab.

Select USE TOKEN. If the ‘use token’ icon is not visible, contact the merchant administrator to update user permissions, either by moving the user to a new role that has the use token permission, or by updating the existing role to add the permission to all users in the role.

If you don’t know the token ID, search for it.

token billing screenshot

Select the token by clicking on it.

Then enter the sale details. If the merchant has set up additional information fields, enter now. If the credit card type qualifies for special interchange rates that require additional information, such as a purchasing card, CenPOS will automatically prompt for it.

A receipt is automatically delivered to the customer email address put on file when the card was originally stored and the token was created. As a reminder, full credit card data is never accessible to anyone after a token is created.

The same process applies for stored checking account information via the Checks tab. By regulation, merchants cannot initiate repeat sales creating an ACH on business checks. Customers must initiate business ACH transactions. CenPOS supports that via the Electronic bill presentment and payment, or EBPP electonic invoicing solution.

About the author: Christine specializes in providing merchants with innovative technology to create efficiencies and ease the burden of PCI compliance. With a primary focus on “card not present” payment processing solutions for mid-size companies, including manufacturers and wholesale distributors, merchants improve PCI Compliance and streamline the payment experience for both their company and their customers. It’s fast, easy to use, and requires no capital investment to implement. For sales call Christine Speedy at 954-942-0483 or click here for more information.

PCI Compliant credit card authorization form : CenPOS training video

Christine Speedy, CenPOS global sales, training video shows merchants how to retrieve an original PCI Compliant credit card authorization form. The  form replaces sensitive payment information with the last 4 digits of the card only, and the random alpha numeric token ID that replaced the full card number. Print the form, send to your customer, get it signed and sent back.

This video uses ZOOM so you can enlarge or watch as is. If you have trouble viewing, watch it on youtube: #32 Reprint PCI Compliant credit card authorization form: CenPOS training.

Unlike typical credit card authorization forms, there is no full card data or cvv security code, so it’s safe to store in a file drawer. The token ID cannot be used outside the merchant CenPOS account.

About the author: Christine specializes in providing merchants with innovative technology to create efficiencies and ease the burden of PCI compliance. With a primary focus on “card not present” payment processing solutions for mid-size companies, including manufacturers and wholesale distributors, merchants improve PCI Compliance and streamline the payment experience for both their company and their customers. It’s fast, easy to use, and requires no capital investment to implement. For sales call Christine Speedy at 954-942-0483 or click here for more information.

 

 

Video Training: How to replace credit card authorization forms

In this training video, I show how to securely store credit card data so that no one can ever see it again. It’s virtually impossible to prove Payment Card Industry Data Security Standards (PCI DSS) Compliance if storing credit card authorization forms with full card data. This solution can significantly increase boost PCI Compliance and reduce losses due to disputes and resulting chargebacks.


The positive card verification checkbox is used to submit a zero dollar authorization transaction. This validates all rules in the merchant administration and on a user basis. For example, if rules require an address, zip code, and cvv security code verification, the items will be validated with the card issuer. The receipt is the merchant record of proof that the card issuer passed the verification.

Optionally send the repeat sale credit card charge form to your customer. Have the customer sign and send it back. This replaces credit card authorization forms that have full card data.

TIP: Include a cancellation and refund policy on all invoices, as required for all card not present transactions per card acceptance guidelines.

CenPOS works with your existing processor, and is fast, easy, and requires no capital investment to implement. Call Christine Speedy in sales 954-942-0483 or click here for more information.

CenPOS Dashboard video- credit card processing insights

Youtube video shows real time CenPOS Executive Dashboard. The dashboard with credit card processing insights for CFO’s and executives in both graphical and numeric formats. Forget about other products boasting extensive reports. The CenPOS dashboard provides actionable data on any facet of your credit card processing.

What % of sales were key entered? What % of retail debit is signature vs pin? Tap into standard CenPOS Reports on demand or create your own reports with the Report Writer, exclusively from direct agents, including Christine Speedy, and have them automatically delivered. Does your virtual terminal or retail solution provide this?

NOTATION UPDATE: The original CenPOS dashboard service utilized standard SAP Crystal Reports. The current dashboard with report writer uses proprietary programming developed internally.