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Repeat
Billing Facility (Payment Solution 2)
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An internet-based equivalent of traditional standing
order and direct debit facilities, repeat billing facility enables
your customers to pay for goods or services in
installments - agreeing online for you to take
fixed or variable amounts from their debit or
credit card. Perfect for subscriptions and utility
bills.
Using the repeat billing facility you can offer
your customers two new ways to pay for goods and
services: regular or limited. In a Regular agreement,
payments occur at regular intervals, and you can
either fix the amount at the start or vary it
as needed. A Limited agreement allows variable
payments to be taken at any time, within the limits
that you have placed on the amount and the frequency
of the payments. Both kinds of agreement can run
indefinitely, or over a fixed time period. Either
you, or the shopper can cancel an agreement at
any time.
Are
alerts sent when payment is made?
Yes. Whenever our repeat billing facility
tries to take a payment, an email is sent
to alert both you and the shopper of the
attempt to take payment, the details of
a successful payment, and what to do if
the attempt fails. Failed repeat billing
payments are usually due to failed authorisation
of card details, such as: the card is beyond
its expiry date, the card has been replaced
by the issuer, or the card account has been
suspended - after theft or fraud. Shoppers
can update their details by logging onto
the Shopper Management System, and then
finding the relevant repeat billing facility
ID.
Do shoppers control the payments made?
-
Cancel
any repeat billing agreement; If a shopper
cancels a repeat billing facility agreement,
then we send an email to notify you both
of the cancellation
-
Ask
you to change the terms of the repeat billing
agreement; depending on the type of repeat
billing agreement, you may have to cancel
the current agreement and create a new one;
or may be able to make various changes to
the agreement's payments and schedule
-
Change/update
the details of their credit/debit card
How can I alter the payments made?
You can make changes to payments from within
the Merchant Administration Interface (MAI)
(if the agreement allows):
Option 1:
The individual payment amounts are fixed on
creation of the agreement. You can set a different
initial payment amount for the first payment if
required
Option 2:
You must set the normal payment amount when
the agreement is created. You can set a different
initial payment amount for the first payment if
required. If you wish you can then adjust the
individual payment amount after the agreement
has started, using either the Merchant
Administration Interface (MAI) or a script.
The amount cannot be adjusted when less than a
week from the next payment date. The shopper will
be sent an email whenever you adjust the amount
Option 3:
You cannot set the payment amount when the
agreement is created. Before each payment you
must set the payment amount using the Merchant
Administration Interface (MAI). If you do
not set the amount no payment is taken. The amount
cannot be set when less than a week from the next
payment date. The shopper will be sent an email
whenever you adjust the amount
Whenever you set or adjust the amount of a payment,
an emai is sent to notify the shopper.
You can also:
-
refund
a repeat billing payment from within the Merchant
Administration Interface (MAI)
-
cancel
a repeat billing agreement from within the Merchant
Administration Interface (MAI)
When you refund a payment, or cancel a repeat billing facility
agreement, we automatically send an email to you
and your shopper, to notify you both of the change.
How the Merchant enables repeat billing Payments
Both Regular and Limited agreements are submitted
and processed in a similar manner to standard,
one-off payments, but with the addition of certain
parameters. In the case of a standard integration,
you will need to add parameters to the HTML
payment submission form.
How
the Shopper makes repeat billing Payments
If the shopper wishes to set up a repeat billing facility
agreement, they must fill in a section of your
customisable payment pages which describes the
agreement. The shopper can process a standard
payment at the same time as setting up a repeat billing facility
agreement, if they choose to do so.
After the shopper's request to set up an agreement
has been successfully processed, they are notified
of their repeat billing facility ID. This identifies the agreement
on the Merchant
Administration Interface (MAI), and
enables the shopper to monitor the progress
of the agreement on the Shopper Management System
(SMS) - SMS has a similar interface to CMS but
is provided to customers. When an initial purchase
is made from any merchant, a username and password
is automatically generated allowing the customer
to access their account
I've requested the repeat billing facility - when
will it be set up?
Before repeat billing can start working, you
must get it integrated with the payment system.
When you purchase the repeat billing facility:
-
we
enable the service for you, and notify you by
email (usually within 2 working days of your
request).
-
you
then integrate our repeat billing facility with
your systems
-
you
send repeat billing test transactions through
our systems
-
when
your repeat billing facility is set to Live,
you can accept repeat billing agreements from
shoppers
How do I send the repeat billing agreement
to the payment gateway?
You need to include details of the payments
and schedule in the purchase token that your
site sends to the payment gateway. The Purchase
token for repeat billing facility is like a standard purchase
token, with some extra information included.
There are two types of repeat billing agreements:
-
Regular
repeat billing agreement
where payments occur at regular intervals, and
you can fix or vary the amount paid
-
Limited
repeat billing agreement
where you can take variable payments at any
time, within limits that you place on: a) the
amount payable, and b) the frequency of payments
Regular and Limited repeat billing agreements
can run indefinitely, or for a fixed period.
Either you or the shopper can cancel a repeat
billing agreement at any time. When a shopper
cancels an agreement, we alert you (and
the shopper) by email, and you can arrange
to be automatically informed by using a
callback to your
site
Can I automate the management of repeat billing
agreements?
Yes. For example, you may have hundreds of
repeat billing agreements to manage, with adjustments
to dates and amounts, refunds, cancellations,
and so on.
You can use a 'Remote Admin' installation ID
and some programming scripts to remotely manage
repeat billing agreements. Remote Admin and
automation can save you a lot of time if you
have many repeat billing agreements, where the
complex arrangement of periodic debiting structures
can be difficult to manage, and calculations
and time-critical changes may be needed.
This service is available as an add-on to
your Payment Solution 2 Account for an additional
once only fee of £100 (+VAT). If you wish
to use this feature, simply select the appropriate
service when you apply.
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