Payment Processing Gateway

The Payment Processing Gateway window is where you enter the details for your preferences and login credentials to the gateway.

Each payment type (card or check) and each currency needs to be setup as a separate record. This allows you to have granular control on how different types and currencies should be processed.

To access the setup screen, your menu path is "System\Preferences\ Payment Processing Setup\Payment Gateways".

Payment Processing Gateway

Gateway

Select the Provider and Gateway that you are using.

Example: Repay(usaepay)

Comtech Systems offers this as a white label service. If you would like to use payment processing through us, please contact support@collect.org.

Payment Type

Select from a list of supported payment instruments (card or check) that you will be accepting.

If you are accepting both card and check, then multiple gateway records need to be created using the same login credentials.

Currency

Select from a list of supported currencies that you will be accepting.

If you are accepting multiple currencies, then multiple gateway records need to be created using the same login credentials.

Default Gateway For Currency

If, for some reason, you should need to setup the same currency for multiple gateways, then check this box to indicate which gateway to use as the default for this currency in the Client and Debtor/Consumer portals.

Gateway Configuration

Click this button to enter the login credentials provided by your merchant provider.

As each merchant provider has different requirements for connecting to their API, this screen is dynamic and will display the applicable fields for the gateway you selected.

Example Gateway Configuration

Vault

Select from a list of vault providers.

A vault is used to encrypt card data. This way PCI data is not stored in Collect!.

At present, we only support Evervault. Comtech Systems offers this as a white label service. If you would like to use Evervault through us, please contact support@collect.org.

Vault Configuration

Click this button to enter the login credentials provided by your vault provider.

Example Vault Configuration

Last Reconcile Date

This is the last date that this gateway was reconciled. It will be blank until you run your first reconciliation.

If the date is blank, the system will only look back 2 days.

The Last Reconcile Date should NOT be manually manipulated once you are actively using this gateway.

WARNING: If the last reconcile date is more than 7 days into the past, Collect! will only reconcile the last 2 days.

Reconcile

Push this button to reconcile just this gateway.

Payment Transaction

Select the Transaction Type that you want to use for your payments. This Transaction Type must already exist in your list of Transaction Types.

Payment Fees

You are able to select the preference to allow or disallow the charging of fees in general. You must also select on a per Client basis in the Client Settings screen which of your clients will allow the to be charged to its debtors.

To charge fees, it is every site's individual responsibility to ensure you are lawfully able to charge these fees in your your region and as per your clients' individual wishes in this regard.

Click the Advanced button in the lower right corner of the client screen and you will see a screen as follows, and the "Credit Card convenience fees" (for card) and the "ACH convenience fees" (for check) switches are shown on the left.

Client Settings Screen

If you have a large client base which practicality would preclude manually updating this switch for ALL clients (or a large tagged list), contact Technical Services for assistance with a write back to enable a volume of clients in mass for this switch.

Enable Fees

Select the option that best applies to you:

• No: No fees will be charged for payments.
• Yes - Collect! Managed: A fee will be added to payments based on rules defined in Collect!.
• Yes - Gateway Managed: A fee will be added to payments based on rules defined by your payment provider.

WARNING: Make sure the correct option is selected to prevent incorrect fees from being added.

Fee Type

This option only appears for Collect! managed fees.

Select the option that best applies to you:

• Fixed Dollar: A flat dollar amount to be added to each payment.
• Percentage: A percentage of the payment amount to be added to each payment.
• Dynamic: Dynamic rules where you can define fees by State.

Fee Amount

This option only appears for Collect! managed fees, and Fee Type Fixed Dollar.

Enter the dollar amount for the fee.

Fee Percentage

This option only appears for Collect! managed fees, and Fee Type Percentage.

Enter the percentage of payment amount for the fee.

Fee Plan

This option only appears for Collect! managed fees, and Fee Type Dynamic.

Enter the Fee Plan to use to determine the amount for the fee.

Apply Recur Fee To

This option only appears for Collect! managed fees.

Depending on your jurisdiction, some locations only allow fees on the first payment. Others allow fees on all payments.

Select the option that best applies to you:

• First Payment Only: A fee will only be added to the first payment in a recurring payment plan.
• All Payments: A fee will be added to all payments in the payment plan.

Lump sums are not considered payment plans, so if a lump sum is paid first, then a recurring plan with "First Payment Only" selected, then 2 fees will be added. If multiple payment plans are added with "First Payment Only" selected, the a fee will be added for each individual payment plan.

Fee Transaction

Select the Transaction Type that you want to use for your fees. This Transaction Type must already exist in your list of Transaction Types.

Fee Payment Transaction

This option only appears if "Single Payment Transaction" below is unchecked.

Select the Transaction Type that you want to use for your payment to fees. This Transaction Type must already exist in your list of Transaction Types.

Create a dedicated payment Transaction Type and configure it as Payment Breakdown, but only select Fees for the breakdown types.

Declined Transaction

This option only appears if the Payment Type is card.

When payments are returned as Declined, you can elect to use a dedicated Transaction Type.

If this field is blank, the "Payment Transaction" type is used.

Select the Transaction Type that you want to use for your card declines. This Transaction Type must already exist in your list of Transaction Types.

You can configure the Transaction Type to be Internal so it doesn't appear in your Payment Reports.

Declined Attempts

This option only appears if the Payment Type is card.

If this field is blank, then a declined transaction will not be retried.

If this field is populated with a number, then the system will try to process it again for the specified number of days.

Reversal Transaction

Select the Transaction Type that you want to use for your payment reversals. This Transaction Type must already exist in your list of Transaction Types.

If none is specified, then "Payment Transaction" is used.

Reversal Fee Transaction

Select the Transaction Type that you want to use for your fees on reversed payments. This Transaction Type must already exist in your list of Transaction Types.

If none is specified, then "Fee Transaction" is used.

Use Active Grp Owing For Recur

When payments are submitted to the gateway, the payment amount is compared to the Debtor's balance. If the owing ever drops below the payment amount, then the payment amount is adjusted to match the balance and any following payments are deleted.

Click this ON with a check mark to enable the ability to have Collect! use the Active Group Owing instead of the Debtor's owing for this comparison. With this box ON, a check box is enabled on the Payment Processing Form to allow payment plans to be created on individual Debtors or Grouped Debtors.

If this box is checked, and a payment plan is posted to a Group, then when the Group Member's balance reaches 0.00, the post-dated Transactions reviews, and communication Contacts will remain on the Closed Debtor. The payments will post to the closed Debtor, reverse itself, then post to the next group member. Your letter batch will need to be configured to include Closed accounts when printing.

Single Payment Transaction

Switch this ON with a check mark if you want to only post one fee transaction for the fee amount. The payment will reflect the full amount of the payment. For example, a $100 payment with a $5 fee would have a payment of $105 and a fee of $5.

Switch this OFF if you want the system to post the fee transaction, then a payment to fee. The payment transaction will reflect the amount less the fee. For example, a $100 payment with a $5 fee would have a payment of $100, a fee of $5, and a payment to fee of $5.

Leave this off for best results. The single payment is posted before the fee, so the payment breakdown won't reflect it properly.

Disable EFT Confirmation Review

Click this ON with a check mark to stop Collect! from creating the review contact that is dated 2 days before the payment is due with the description of "Confirm EFT plan authorization."

Set No Autodelete For Contacts

Click this ON with a check mark to enable Collect! to check the "Do not autodelete" and "Allow delete on close" boxes on all contacts created for recurring payments.

If you have enabled "Use Active Grp Owing For Recur" above, then check this box ON. When the group members owing reaches 0.00, and the account is closed, this box will preserve the Review, Promise, and Letter Contacts. With this box OFF, the reviews and letters will be deleted.

Decl/Rtn Pymts Cancels Recur

Click this ON with a check mark to set your preference that a declined card is to cancel the payment plan on the account.

If you have a value set in "Declined Attempts," then this process won't run until after the number of days specified in that field.

Cancelling a plan will automatically mark your Promise Contact as Stopped, change your Due Date in the Review Contact marking the end of the original terms to be the same as the delete date and also delete any remaining EFT Notification letters scheduled.

Create Review For Decl/Rtn

Click this ON with a check mark to have Collect! create a review contact when a declined payment (for cards) or a returned payment (for check) is posted to an account.

Run Plan On Recurring

Select a Contact Plan to run whenever a recurring plan is setup.