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Merchant Warehouse is a credit card processing company that integrates directly with Spectra. In addition to making credit card processing extremely easy, StudioPlus and Merchant Warehouse take all the hassle out of the requirements for your business to become PCI compliant. Click here to learn more about PCI compliance and how it affects you.
Use the Credit Cards page of Studio Preferences to set up the Merchant Warehouse integration.
Studio Preferences - Credit Cards
You must have an account established with Merchant Warehouse. If you don't have an account set up yet, click here for more information and to receive a no-obligation rate quote from Merchant Warehouse which is the first step to establishing your account.
Once you have your account established, Merchant Warehouse will email you several key pieces of information, called your account credentials. You may or may not receive two sets of credentials, one for processing Keyed transactions and one for processing Swiped transactions. If you only receive one set of credentials, then use those credentials for both Keyed and Swiped transactions.
Enter the Site ID, Key, Name, User Name, and Password on both the Keyed and Swiped tabs. This information can be found in the setup email you received from Merchant Warehouse. Again, if you only received one set of credentials from Merchant Warehouse, enter the same information on both tabs.
Enforce Address Validation - When selected, Spectra will automatically verify that the cardholder address you entered matches the actual billing address for the cardholder. If any part of the address matches, the transaction will be allowed to go through. If none of the address matches, you will be notified with a message box asking if you wish to proceed with the transaction anyway. This optional feature provides an added level of security that you may enforce at your discretion. Note: Turning this feature on does NOT lower your rates with Merchant Warehouse.
Enforce Security Code Validation - When selected, Spectra will automatically check to see if the three-digit security code you entered matches the actual security code for the cardholder. If the code matches, the transaction will be allowed to go through. If the code does not match, you will be notified with a message box, asking if you wish to proceed with the transaction anyway. This optional feature is an added level of security that you may enforce at your discretion. Note: Turning this feature on does NOT lower your rates with Merchant Warehouse.
Do not store credit card numbers in StudioPlus Spectra for PCI compliance - When you select this option, Spectra will lock the credit card text boxes and will NOT allow the user to enter information into these fields. To process a credit card, Spectra will open a special window provided by Merchant Warehouse. The user can then key or swipe card information into this window. Merchant Warehouse will encrypt and transmit the information to themselves for processing. The authorization or decline code will then be passed back to Spectra, along with a unique token that can be used for future transactions using this credit card information. Because Spectra never touches the credit card details, and because Spectra never stores the credit card information in its database, Spectra is removed from PCI compliance scope. As a result, the process for your business to become PCI compliant is much simpler. It is highly recommended that you select this option.
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ATTENTION! It is highly recommended that you select the option to “Not store credit card numbers in StudioPlus Spectra for PCI compliance.” Doing so will safeguard your client’s sensitive credit card details, and will make the process for your business to become PCI compliant much simpler. |
If you have been storing credit card information inside Spectra prior to selecting the “Do not store credit card number in StudioPlus Spectra for PCI compliance” option, you must run a purge routine to remove those existing credit cards from the database. To do this, click Purge Now. You will then see the following:
Move existing credit card information to Merchant Warehouse secure server for future transactions prior to purge - This option will send necessary credit card numbers to the Merchant Warehouse secure server prior to deleting them. Merchant Warehouse will then provide Spectra with a unique token that can be used down the road to process a pending payment, a payment plan, or any other payment you wish using this credit card. It is recommended that you check this box.
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ATTENTION! It is recommended that you back up your StudioPlus Spectra database prior to running a purge routine. |
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ATTENTION! The purge routine can take some time to run, depending on how long you have been using StudioPlus Spectra and how many card numbers are present. For large databases, we recommend that you allow at least two hours for the routine to run |
Click Start Purge to begin the purge routine. The following items will be scanned and purged:
Pending Payments - The database will be scanned for existing payment records that are still pending. For each pending payment, the card number will be removed from the pending payment record, leaving only the last four digits of the card number. If the check box for moving the information to Merchant Warehouse is checked, the credit card details will be sent to the Merchant Warehouse secure server and Spectra will receive a unique token back. The token is stored with this pending payment record to be used later, when the payment is actually due.
Client Payment Methods - The database will be scanned for all credit card numbers stored as a client payment method. For each credit card payment method found on a client record, the card number will be removed from the payment method, leaving only the last four digits of the card number. If the checkbox for moving the information to Merchant Warehouse is checked, the credit card details will be sent to the Merchant Warehouse secure server and Spectra will receive a unique token back. The token is stored with this client payment method to be used later. Note: If the credit card is marked as inactive or if the card has expired, the credit card payment method will be deleted.
Previous Payments - The database will be scanned for all credit card payments that have already been recorded. For each payment, the card number will be removed from the payment, leaving only the last four digits of the card number.
For more information, see the "Credit Card Processing" section of the Spectra User Guide.