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Merchant Warehouse^© is a credit card processing company in the U.S. that integrates directly with Spectra, Stratus, and InSpiredByYou. In addition to making credit card processing extremely
easy, StudioPlus and Merchant Warehouse, take much of the hassle out of fulfilling 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. See also: Credit Card Processing. 

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Credit Card Account #

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.

Merchant Warehouse Integration #

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/Stratus 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/Stratus 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 for PCI compliance –
  When you select this option, the credit card text
  boxes will be locked the the user will NOT be allowed to enter information into these fields. To process a credit card, Spectra/Stratus 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/Stratus, along with a
  unique token that can be used for futu​re transactions using this credit
  card information. Because Spectra/Stratus never touches the credit card details and never stores
  the credit card information in its database, Spectra/Stratus 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 you select this
  option.

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Purge Existing Credit Card Information #

 

 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 to process a pending
  payment, a payment plan, or any other payment you wish to make using this
  credit card. It is recommended that
  you check this box.
  

 Click Start Purge to begin the
purge routine. The following items will be scanned and purged:

1. 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.
    

2. 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.

3. 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.

See also: Credit Card Processing