Vantiv (Litle)

The Vantiv (Litle) integration with Aria allows for fraud scoring features on credit cards, direct debit, electronic check and tokenized credit cards. Vantiv has partnered with ThreatMetrix to provide additional fraud support. Once enabled with Vantiv, they will provide you a ThreatMetrix value. The 5-character prefix should be placed in the below field at both the collection group and payment gateway levels.

Once the prefix is filled in, the additional fraud options should be selected under “gateway options” at the payment gateway level and collection group options at the collection group level. Each option has a corresponding tool tip to assist in your selections.

This customer insight feature is designed to provide additional information to merchants, allowing them to improve authorization approval rates and lower the total cost of payments. You can configure this setting at the payment gateway or collection group levels under Vantiv Insights or USS Reg Configuration under marketing insights. This feature will provide information regarding prepaid indicators, affluence indicators, issuer country indicators and card type indicators of the following payment methods:

• Credit card (pay_method=1)
• Tokenized credit card (pay_method=13)

The following APIs contain the <perform_marketing_insights_inquiry> parameter:

• validate_payment_information_m
• authorize_electronic_payment_m
• update_payment_method_m

The following payment methods are accepted with the Vantiv/Aria integration:

These are listed on Knowledge Central along with the UI for the accepted payment methods at the payment gateway level (Configuration > Payments):

The Vantiv integration allows merchant specific gift card as an accepted traditional payment method. This method is accepted via supported API calls and direct post configurations. Within <payment_method_type> value 40 should be chosen to use merchant specific gift card as the payment type.

For recurring transactions, Vantiv supports a feature to send the CVV number (without the card number) for collection. The following API calls support this feature:

• create_order_m
• create_order_with_plan_m

The input parameter <existing_pay_method_cvv> within the above API calls will send the CVV on a stored card directly to Vantiv. If using the parameter <alt_pay_method_m>, the parameter <existing_pay_method_cvv> is ignored and the CVV of the <alt_pay_method_m> is used.

Vantiv allows you to collect from multiple accounts using API call settle_account_balance_bulk_m. This parameter allows for the batch submission of up to 5,000 accounts to Vantiv for collection attempts on each account. The batch process runs every 30 minutes. All transactions that were sent to Aria within that time are sent to Vantiv for collection. To determine the maximum number of records allowed in this call, Aria’s customer support team needs to set the parameter <maximum_records_allowed_in_a_bulk_settle_api_call> at the number of your choosing.

The output fields of this call are:

• <error_code>—Aria-assigned error identifier (0 indicates no error has occurred)
• <error_msg>—Description of any error codes. (OK indicates there are no errors)

When collecting a payment with Vantiv that is using either the Japanese Yen or Indian Rupee, no decimal points are added to the payment amount if a whole value is requested.

Example: If attempting to collect $15 using JPY, 15 will be collected and not 1500 ($15.00).

The Vantiv integration allows for usage reporting. The high-precision usage reporting feature allows up to a 12-digit (excluding decimal points) reporting quantity when reporting the usage to Vantiv.

The soft descriptor configuration allows for a transaction description to be shown on the buyer’s credit card statement. Under field options at the payment gateway level and advanced options at the collections group level are specific configurations related to soft descriptors. Fields customBilling/phone (soft_descriptor_customer_service) and customBilling/descriptor (soft_descriptor) should be configured to show on the buyer’s credit card statement. Each option has a corresponding tool tip to assist in your selections. Each field listed below has a drop-down list next to it. These values are comprised of account fields that have been configured in your Aria instance.

*Note: Constant Contact receives the data directly, makes modifications and then sends the data to Vantiv.

The Vantiv connector will automatically push level 3 data for all credit card transactions. If level 3 data is not available for that transaction, Aria will send level 2 if available or switch to level 1 data if neither 2 or 3 are available.

Aria will parse unique transaction reference IDs returned from Vantiv in the <proc_payment_id> parameter for declined transactions. Transactions include but are not limited to the following:

• Payments
• Authorizations
• Captures
• Voices
• Reverses
• Refunds
• Balance Inquires

If no reference ID is returned from Vantiv, Aria returns a NULL value for <proc_payment_id>. The following API calls include the <proc_payment_id> output parameter:

• create_acct_complete_m
• update_acct_complete_m
• create_order_with_plan_m
• create_order_m
• assign_acct_plan_m
• replace_acct_plan_m
• update_acct_plan_m
• update_acct_plan_multi_m
• settle_account_balance_m
• collect_from_account_m
• authorize_electronic_payment_m
• validate_payment_information_m
• validate_acct_fraud_scoring_m
• gen_rb_m
• manage_pending_invoice_m

This feature sends flags distinguishing cardholder initiated transactions (CIT) and merchant initiated transactions (MIT) within the <recurring_processing_model_ind> parameter of the following API calls:

The input values for the <recurring_processing_model_ind> are the following:

The output field is <proc_initial_auth_txn_id>. This feature is available for Visa, MasterCard, and Discover.

When authorizing a card, Aria provides the option to authorize a $0 or $1 transaction on the card to ensure the card is in good standing prior to offering a service to the account. The system override settings listed in the image below are to authorize and then reverse the authorizations on the card after the verifications. The settings can be enabled for all or specific card types accepted with this integration. This configuration in the UI is at the collection group level.

Vantiv also supports reversing pre-authorizations on credit cards outside of $0. After performing the authorization, click on accounts > search for the account > payments & credits (left panel) > current authorization reversals tab > create a new auth reversal. All pending authorizations that can be reversed display on this screen. Click the authorization ID for the authorization you want to reverse. A sample screen below will appear:

The reasons within the drop-down list are the following:

• Account charged in error
• Goods/Services not delivered
• Customer dissatisfaction
• Cancellation of pre-paid service
• Good will
• Overpayment/Duplicate payment
• Wrong/undesired payment source charged
• Other

After a reason is selected and CSR comment (optional) added, press Generate Auth Reversal to remove the pre-authorization on the credit card.

With the Vantiv integration, error codes can be returned by Aria for a specific Card Verification Value (CVV) response. This configuration lies within the collection groups and payment gateways tab in the UI (Configuration > Payments).

The integration with Vantiv also offers Address Verification Service responses. This configuration is also within the collection groups and payment gateways tab of the UI (Configuration > Payments). See image below for possible configuration options: