JustAddCommerce
Real Time Processing
With the Real Time version you have the benefit of your orders
being processed automatically for you. However, it is very important
that you check your orders and batch history everyday to ensure
that each order is processed and the orders match the information
found in your Batch.
Checking your JAC Orders and verifying approval
It is extremely important that you check your JAC account for
all of your orders. Do not exclusively go by the order email confirmation
message you receive when an order is placed. This email notice
is NOT an invoice for your order. When you check your orders in
your JAC account it is important that each order has a Authorization
code on it. The code will show in a yellow stripe on the order.
Each order must have its own unique authorization. If two or more
orders are placed right after each other within 20 minutes of each
other, using the same credit card, the orders will have the same
authorization code. This means that only the first order has been
processed. The additional orders (with the same authorization code)
will need to be manually processed by you using your Virtual Terminal.
The credit card can only be processed 20 minutes after the first
order was processed.
Checking your Batch
It is very important that you check your Batch everyday to ensure
that each order in your JAC Account and in your Batch History match.
The Daily Batch is automatically closed for you between 11:30pm
- 11:45pm Mountain Time. We suggest printing out your Daily Batch
History so that you have a paper back-up for your records. This
can help in balancing your monthly statements and help with customer
inquires. Additionally, your Batch History is stored for only 90
days, therefore having your own paper history will ensure that
you have the information you need for your record keeping.
Preventing Fraud and Chargebacks
AVS (Address Verification System)
On each order, as well as within your Batch details, there is
an AVS message (Address Verification System) in parentheses. The
AVS message is next to the Authorization number. AVS was developed
by the credit card companies to decrease the incidence of fraud
with Internet transactions. The system compares the Billing Address
given by your customer on their checkout form or entered by you
during a Sale transaction via the Virtual Terminal and the Billing
Address on record with their credit card company. AVS messages
to be aware of:
AVS Match: The Billing Address entered on the checkout form or
via the Virtual Terminal matches the Credit Card Billing Address.
This message ensures that all information is accurate, therefore
you can be confident that the purchase is valid in order to fill
and ship the order.
AVS Zip Match or AVS Street Match: The Zip entered or the Street
number and name match but the other information does not match.
In these cases, we recommend contacting the customer to ensure
that the order is valid before you fill and ship the order.
NO AVS Match: In this situation, none of the information given
matches the information on record with the credit card company.
In this case, it is very, very important to contact the customer
before you fill and ship the order. There is a very good chance
that the order is fraudulent. If you find that the order is fraudulent,
you may want to Void the purchase within your Virtual Terminal
(if the Batch containing the order is still open) or issue a credit
within your Virtual Terminal (if the Batch containing the order
has been closed) to prevent a chargeback on your account.
In the case of an AVS Zip Match, AVS Street Match, or NO AVS Match,
it is up to you to decide whether you want to ship the product.
Contacting the customer first is highly recommended. You may call
us at 1-866-343-4206 for additional help regarding AVS messages.
Five ways that you can help prevent fraudulent orders
and chargebacks
- On your order confirmation page provide your customer with:
the name, phone number and email address of your company (or
the name that will appear on your customer's credit card bill)
so your customer will recognize it when it appears on their monthly
credit card statement.
- Include the same information as above (#1) in the email confirmation
that your customer's receive when an order is placed.
- Pay close attention to the Address Verification System (AVS).
People ordering products using a stolen credit card number will
almost never be able to use the real credit cardholder's billing
address, therefore you can stop the order before it's too late.
- If an order seem suspicious (an unusually large order, name
information seems outrageous, etc.), phone or email the customer
and attempt to verify the information you've received from them.
- If you ship a product, include the customer's invoice. Always
keep copies of every invoice so that you have records of every
order in case you are challenged regarding the order.
CVV Code
Adding the CVV Code(Credit card Validation) to your checkout
form
CVV stands for Creditcard Validation Value. The CVV is a
3 or 4 digit number found on the back of Visa, MasterCard and Discover
cards and on the front of American Express cards.
To add this option to your checkout form:
- Select the "Download Existing Checkout Form" option
found in the JAC program menu.
- Place your cursor where you want this field to appear. Using
your editors "Insert" function, add a row to the checkout
form.
- Add a text box using your editors "Insert-Form" function.
- Double click on the text box that was just inserted to name
the box.
- Save the page.
- Select the "Upload Checkout Form" option fund in
the JAC program menu.
- Test your site to view that the CVV code now appears on your
form.
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