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Sage 100 2013 Credit Card Processing Conversion – FAQ

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sage credit card processing

Beginning with Sage 100 ERP 2013 (released December 2012) any user with stored credit card information will have all credit card data moved to the Sage Exchange Vault.

To provide a PCI-compliant method for securely storing credit card numbers and also eliminate the need for Sage to undergo extensive PA-DSS compliance audits – Sage 100 ERP 2013 no longer stores customer credit card numbers within the ERP database. Instead, sensitive credit card information will be stored in the integrated Sage Exchange Vault as part of the Sage Exchange connected service.

Sage 100 ERP customers who are currently storing ANY credit card information within their Sage 100 ERP system (whether integrated or not) will need to either convert their credit card data or purge it before starting to use Sage 100 ERP 2013.

This is applicable for all customers that are storing any credit card data within the software whether it is integrated with Sage Payment Solutions, PC Charge Payment Server or even if they are processing credit card transactions outside of Sage 100 ERP. If you do not store credit card numbers at all within Sage 100 ERP you will not need to undergo credit card data conversion.

For more information and answers to other common question – Sage 100 ERP 2013 Credit Card Processing Conversion Frequently Asked Question (pdf)

Additional Helpful Sage 100 ERP 2013 Links

Sage Credit Card Solutions Detailed

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In 2011 Sage Payment Solutions processed 135,775,501 transactions totaling $12,553,846,720 for 83,182 companies and organizations.

Soon, while using Sage Exchange integration to Sage 100 ERP,  you will be able to securely store credit card data off-site in the Sage vault and also have the option to process credit card transactions remotely.

For a general overview of payment processing options available see –  Sage – Credit Card Processing Is A Complete Payment Processing Solution.

 

 

 

 

 

 

 

3 Tips For Saving Money On Your Sage Payments Account

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Here are some ways existing users may be able to reduce (or eliminate) some recurring Sage Payment Standard Fees:

PCI Compliance – $25/mo recurring – can be waived if you test yourself at https://pci.trustwave.com/action.php though there is a $75 annual fee for a Trustwave scan which is now billed in June per Sage Payments posting here

http://www.sagepayments.com/Compliance/~/media/Category/Payment%20Solutions/Assets/Documents/PDFs/Payment_Card_Industry_Changes.pdf

New Chargeback Assistance Program – $3.95/mo – web site leads you to believe it’s optional (and some at Sage say that it’s an opt-in program) though a call to Sage Payments by one of our 90 Minds members led to a response from someone at SPS saying that it’s mandatory. They were able to get the fee reduced to $1.50/mo after  complaining (this was reported by only one of our members – so your mileage may vary in convincing Sage to reduce your fees or Sage may come back eventually and reply to us that the SPS representative was mistaken – we have an inquiry into Sage Payments about this matter).

http://na.sage.com/sage-payment-solutions/support-resources/sage-chargeback-assistance-program

Rate review – Sage Payments doesn’t come out and tell you this but you can ask them to review your rates at any time. Since credit card processing is a highly competitive area – it’s probably not a bad idea to shop this every 6 months if you are doing a fair volume of monthly charges.

Other items worth noting:

Sage Moving Sage 100 ERP To Sage Exchange – Expected V5.0 – read the latest FAQ about Sage Exchange and credit card processing.

Beginning with Sage 100 ERP 5.0 Sage will use Sage Exchange technology and PC Charge will not be supported (Sage will only support the ERP side – though this has been our experience for at least the last two years as Sage has forwarded all PC Charger users’ processing related tech calls to the PC Charge support lines)

http://na.sage.com/sage-payment-solutions/products-services/sage-exchange

With Sage Exchange credit card data formerly stored inside Sage 100 ERP will now be stored in your “Sage Vault”. Once payment data is out of Sage 100 ERP then reportedly Sage will no longer be required to undergo expensive PCI compliance audits with each software release.

This foregoing of compliance audits is a touchy subject with Sage since technically it means the Sage 100 ERP software hasn’t undergone any PCI compliant audits to which Sage have responded that with the use of Sage Exchange (ie – storing all payment data outside the software) they are not required to be compliant or undergo a PCI compliance audit.

All of the above is likely true (Sage is a big company and I’m sure they’ve checked and double checked this with their legal eagles).

Recommendations

Without PCI audits (performed at the direction of Sage- due to stop with v5.0 aka Sage 100 ERP 2013) you can’t store any credit card info within Sage 100 and be considered PCI compliant (Note: Yes I know you can – and people do – create UDF fields and some customers demand it – good luck avoiding legal liability in the event of data breach either internal or external).

Do not store any credit card data within modified Sage 100 ERP fields –  memos, UDF, etc. To do so may put your company at risk in the case of a data breach.

We recommend Sage Payments coupled with a frequent review (as you would for any credit card merchant) of your statements to insure that you receive the lowest possible processing fees. The integration to Sage 100 ERP is slick, easy to setup (and upgrade) and seldom prevents any type of errors (which was most definitely not our experience with other third party credit card integrations).

 

 

PC Charge / VeriFone Integration With Sage ERP MAS90,200 Version 5.0 – Update

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Sage ERP MAS 90 and 200 5.0 will contain a new integration with Sage Exchange. Sage Payment Solutions created this integration to streamline credit card processing across the entire Sage product portfolio. As part of this implementation, credit card numbers will no longer be stored within Sage ERP MAS 90 and 200. Instead they will be stored in the Sage Exchange Vault.

With the introduction of Sage Exchange in Version 5.0, the integration to PC Charge Payment Server will no longer function because it requires that credit card numbers be stored within the ERP system.

Sage Payment Solutions will be the only supported credit card processor for the Sage ERP MAS 90 and 200 product line.

In anticipation of the version 5.0 release, please note the following:

  • Effective November 1, 2011, Sage will no longer offer the Credit Card Processing powered by PC Charge Payment Server module for new customer sales.
  • For existing customers who wish to continue using PC Charge until their existing credit card processing provider contract expires, supported versions of Sage ERP MAS 90 and 200 will continue to work with PC Charge. This includes version 4.5.
  • PC Charge version 5.9.3 will be the last version tested by Sage for compatibility with Sage ERP MAS 90 and 200. While subsequent versions of PC Charge may continue to work, they will not be validated as compatible by Sage.
  • As has always been the case, requests for customer assistance for PC Charge should be directed to VeriFone. If a customer purchased PC Charge from Sage within the last 12 months, their purchase included an initial 12 months of VeriFone technical support. If they purchased PC Charge over a year ago, they will need to renew their support agreement directly with VeriFone. VeriFone offers two support plans:
  • Telephone support plus software maintenance: $229 annual fee
  • Telephone support only: $139 annual fee. If this plan is selected, there is a $120 fee per upgrade for any subsequent releases of PC Charge.
  • Customers should contact Lela Reeves at VeriFone by telephone at: 912-527-4576 or by email at: Lela_Reeves@verifone.com to renew their PC Charge support agreement if necessary.
  • Sage will discontinue telephone support for all versions of the Credit Card Processing powered by PC Charge Payment Server module as of December 31, 2012. Until then, Sage will continue to provide telephone support for the Credit Card Processing powered by PC Charge module, while VeriFone must be contacted for any support for the PC Charge Payment Server application.

Sage Contact:
Rob Ullmann
Account Executive
Sage
Sage Payment Solutions
978-232-0240
978-808-2343(cell)
720-834-1777(efax)
Rullmann@SagePayments.com

www.sagepayments.com

We can assist you in setting up the new Sage Exchange integration to your Sage ERP MAS 90 or MAS 200. For more information:

Sage 100 ERP Support and Sales

  • Requests for assistance will be replied to within 4 business hours.
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How To Recover A Lost MAS90 PC Charge Password

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password.jpg

Today I had a client who lost both the MANAGER and SYSTEM passwords for their Verifone PC Charge credit card processing. This is the server software that integrates to MAS 90 and MAS 200 and provides credit card processing.

OBSERVATION: In many cases a better credit card processing solution is Sage Payment Solutions. Clients have found the rates are competitive. But what many people don’t realize (and it’s a BIG bonus) is that if you use Sage’s Payment Solutions you can also implement the embedded credit card processing as opposed to having to load and maintain a separate PC Charge system (My contact at Sage Payment is Rob Ullman – rullmann@sagepayments.com).

However this post is about recovering a lost PC Charge password – so here’s how. Unfortunately it requires a call to Verifone ((877) 659-8981 ) and using one of your support cases.

TIP: I strongly recommend that you subscribe to the VERIFONE support plan (cost of $139 per year) or you must first call into Sage technical support (which unless your issue is a connection to MAS problem will be a complete waste of time in my experience). All that Sage will do is spend an hour troubleshooting followed by another hour trying to figure out who to call at Verifone. Skip this time wasting effort in frustration and just pay VERIFONE the $139 and then you can call direct and skip the cumbersome middleman. Obviously if you have a problem connecting Sage MAS to PC Charge then start with Sage first — however if your issue is with PC Charge (setup of new merchants, connectivity, cryptic PC Charge messages) then skip Sage and subscribe to VERIFONE.

Within PC Charge two main password types control functionality as follows:

SYSTEM – Allows you to add/change users (including password changes)
MANAGER – Provides access to cashier functions.

These are the two basic accounts. Naturally you may have other accounts that you’ve created on your PC Charge setup.

Here’s The Procedure For Retrieving a Lost PC Charge Password

Verifone sends you a security.pcc file with a special password. This file is tied to your PC Charge serial number so don’t get any ideas that you’ll be unlocking other PC Charge systems with it. If it’s running, shut down PC Charge. Copy and drop the file into the ACTIVE -CHARGE folder on your server.

Verifone emails you a password. Enter in the special password (it’s on the email header and in the email body) once to get access to the CASHIER area. From there you can unlock and change passwords (TIP: if you don’t know the password for the MANAGER — which you probably don’t — just double click the MANAGER name and PC Charge displays a dialog box that contains a blanked out password. It’s going to look filled in but type over it and give it a new password).

General PC Charge Password Rules:

At least 7 characters
One cap
One special
One number

You’ll be prompted every 90 days for a new password – have client write down…..

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