Digital Payments

Jacktrade supports choices to select among multiple payment processors. Payments can be received in multiple ways 

  1. Cash and Cheque recording
  2. Credit card (online via key entry)
  3. Debit card as a credit card
  4. Custom where you can define payment type as needed

 

Location Based Payments Processing

Jacktrade support running payment transactions via single or multiple business locations per business profile. Business location may change, add, or delete anytime during the lifecycle of the business. 

Any changes to the business configuration are reported by the service application. Jacktrade supports soft deletion of any business configuration. A hard delete will also be supported for internal operations. The policy of security checks is dependent on the country processing the payment. Some require OTP, others require billing zip codes. Per country configuration set part of the business configuration in the Jacktrade.

 

A particular business may support multiple locations situated in different countries. Service applications support taking particular currencies supported by the payment gateway of choice. Users select. A default currency is presented based on the country of business location. If the currency is not present, and no currency is chosen, then the payment gateway configuration is marked as incomplete.

 

The currency type has to be communicated by the Service application via the API call to Jacktrade.

 

Payment Processors 

Jacktrade supports two payment processors:

  1. Braintree from Paypal provides global commerce tools people need to build businesses, accept payments, and enable commerce for their users. It’s the simplest way to get paid for your great ideas — across any device, and through almost any payment method. Merchants in more than 45 countries/regions worldwide can accept, split, and enable payments in more than 130 currencies using Braintree. And we’re here for you — with stellar support, innovative concepts, and simple processes.

  2. Fiserv via Authorize.net is a global fintech and payments company with solutions for banking, global commerce, merchant acquiring, billing and payments, and point-of-sale. Fiserv is a global leader in financial services technology driving innovation in Payments, Processing Services, and Risk & Compliance.

 

Secure and Confidential

Jacktrade payment solution is PCI Compliant and guarded behind the industry’s best security protocols. Jacktrade does card verification during the card save process or when directly charging without saving the card. It also automatically verifies if the card is valid when the card is used to process transactions. Jacktrade maintains status if the card was verified so it does not repeatedly verifies every time a card is used. If the card is used for a one-time charge only – then card verification status is not required. 

In addition, you can set up your gateway configuration to limit transactions. Configuration is required per payment gateway as follows:

  1. Minimum Order Total: Total maximum amount allowed per payment transaction.
  2. Maximum Order Total: Total minimum amount allowed per payment transaction. 
  3. Payment from Specific Countries: List countries where payments are allowed from. ZIP code and country code are mandatory checks for verification.
  4. Request Card Security Code: Yes or No
  5. Request Card Billing Zip Code: Yes or No

 

Fraud detection is mostly the responsibility of the payment processor. 

 

Picking A Gateway

Based on the gateway picked, a list is generated for all the supported gateway types. Users can select acceptable card types for their payment processing. 

 

  1. MasterCard
  2. Visa
  3. Discover
  4. American Express
  5. JCB
  6. Solo

 

It is possible that certain businesses may not accept all the cards. By default, only MC, Visa, and Discover are enabled. During the card verification process, an appropriate card acceptance or rejection warning is presented in the UI.

 

Transaction Activity

Payment activity is recorded both in the service application and in the Jacktrade server. All transaction activities are logged for your record keeping. It will be queued to deposit onto the remote server. Payment History should show the following fields:

  1. Product Name
  2. Business ID
  3. Business Name
  4. Payment date
  5. Charge Name
  6. Charge Amount
  7. Payment Status (Success, failure)
  8. Recurring – yes or no
  9. Last Recurring Payment – yes or no
  10. Payment Type (Cash, Online, etc), Instead of credit card, it showed the card type like Visa, MasterCard, etc.
  11. Transaction Type
    1. Charge
    2. Refund
    3. Void

 

Your Customers Can Pay You Online

Businesses have a hard time taking payments and are also running after customers as a means to receive payments. Jacktrade makes taking payments from your customer seamless and simple. Once you enable the payment gateway, you can also enable an online checkout process dedicated to your business. You can share the payment link with your customers so they can simply click the link and make a payment with their credit card or debit card. 

 

Supported Countries

Each gateway supports a list of supported currencies and regions, and each country may have different transaction rates. This will be managed by the payment gateway. Taking foreign currency is not supported when charging from the business location. For example, a location in India can not charge in US dollars. 

 

The following currencies are supported by Payment System for merchants using the North platform.  The Omaha platform only processes transactions in USD.

By default, each Payment System outlet can only process one currency which is the currency listed on the merchant’s North or Omaha processing account.  If a transaction is sent to the Payment System with an invalid currency, the transaction will be declined.  A Payment System outlet can process more than one currency per account only if the merchant is using Dynamic Currency Conversion (DCC) and/or Dynamic Pricing (DP), or Global Merchant Acquiring (GMA).

 

Country

Currency Name

Currency Code

Afghanistan

Afghani

AFN

Algeria

Algerian Dinar

DZD

Argentina

Argentine Peso

ARS

Armenia

Armenian Dram

AMD

Aruba

Aruban Guilder

AWG

Australia

Australian Dollar

AUD

Christmas Island

Australian Dollar

AUD

Cocos (Keeling) Islands

Australian Dollar

AUD

Heard and Mcdonald Islands

Australian Dollar

AUD

Kiribati

Australian Dollar

AUD

Nauru

Australian Dollar

AUD

Norfolk Island

Australian Dollar

AUD

Tuvalu

Australian Dollar

AUD

Azerbaijan

Azerbaijani Manat

AZN

Bahamas

Bahamanian Dollar

BSD

Thailand

Baht

THB

Panama

Balboa

PAB

Bangladesh

Bangladeshi Taka

BDT

Barbados

Barbados Dollar

BBD

Belarus

Belarusian Ruble

BYN

Belize

Belize Dollar

BZD

Bermuda

Bermuda Dollar

BMD

Venezuela

Bolivar Fuerte

VEF

Bolivia

Bolivian Boliviano

BOB

Brazil

Brazilian Real

BRL

Great Britain

British Pound

GBP

Brunei Darussalam

Brunei Dollar

BND

Bulgaria

Bulgarian Lev

BGN

Burundi

Burundi Franc

BIF

Canada

Canadian Dollar

CAD

Cape Verde Islands

Cape Verde Escudo

CVE

Cayman Islands

Caymans Islands Dollar

KYD

Benin

CFA Franc BCEAO

XOF

Burkina Faso

CFA Franc BCEAO

XOF

Cote D’ivoire (Ivory Coast)

CFA Franc BCEAO

XOF

Guinea-Bissau

CFA Franc BCEAO

XOF

Mali

CFA Franc BCEAO

XOF

Niger

CFA Franc BCEAO

XOF

Senegal

CFA Franc BCEAO

XOF

Togo

CFA Franc BCEAO

XOF

Cameroon

CFA Franc BEAC

XAF

Central African Republic

CFA Franc BEAC

XAF

Chad

CFA Franc BEAC

XAF

Congo

CFA Franc BEAC

XAF

Equatorial Guinea

CFA Franc BEAC

XAF

Gabon

CFA Franc BEAC

XAF

French Polynesia

CFP Franc

XPF

New Caledonia

CFP Franc

XPF

Wallis and Futuna

CFP Franc

XPF

Chile

Chilean Peso

CLP

China

Chinese Yuan Renminbi

CNY

Colombia

Colombian Peso

COP

Comoros

Comoros Franc

KMF

Democratic Republic of the Congo

Congolese Franc

CDF

Bosnia and Herzegovina

Convertible Mark

BAM

Nicaraguan

Cordoba

NIO

Costa Rica

Costa Rican Colon

CRC

Croatia

Croatian Kuna

HRK

Czech Republic

Czech Koruna

CZK

Denmark

Danish Krone

DKK

Faroe Islands

Danish Krone

DKK

Greenland

Danish Krone

DKK

Macedonia (former Yugoslav Republic)

Denar

MKD

Djibouti

Djibouti Franc

DJF

Sao Tome & Principe

Dobra

STD

Dominican Republic

Dominican Peso

DOP

Vietnam

Dong

VND

Anguilla

East Caribbean Dollar

XCD

Antigua and Barbuda

East Caribbean Dollar

XCD

Egypt

Egyptian Pound

EGP

El Salvador

El Salvador Colon

SVC

Eritrea

Eritrean Nakfa

ERN

Eritrea

Ethiopian Birr

ETB

Aland Islands

Euro

EUR

Andorra

Euro

EUR

Austria

Euro

EUR

Belgium

Euro

EUR

Cyprus

Euro

EUR

Estonia

Euro

EUR

European Union Countries

Euro

EUR

Finland

Euro

EUR

France

Euro

EUR

France Metropolitan

Euro

EUR

French Guiana

Euro

EUR

French Southern Territories

Euro

EUR

Germany, Republic Of

Euro

EUR

Greece

Euro

EUR

Guadeloupe

Euro

EUR

Holy See (Vatican City State)

Euro

EUR

Ireland

Euro

EUR

Italy

Euro

EUR

Kosovo, United Nations Mission in Kosovo (Unmik)

Euro

EUR

Latvia

Euro

EUR

Lithuania

Euro

EUR

Luxembourg

Euro

EUR

Malta

Euro

EUR

Martinique

Euro

EUR

Mayotte

Euro

EUR

Monaco

Euro

EUR

Montenegro

Euro

EUR

Netherlands

Euro

EUR

Portugal

Euro

EUR

Reunion

Euro

EUR

Saint Barthélemy

Euro

EUR

Saint Martin, French part

Euro

EUR

San Marino

Euro

EUR

Slovakia

Euro

EUR

Slovenia

Euro

EUR

Spain

Euro

EUR

St. Pierre and Miquelon

Euro

EUR

Falkland Islands (Malvinas)

Falkland Island Pound

FKP

Fiji

Fiji Dollar

FJD

Hungary

Forint

HUF

Gambia

Gambian Dalasi

GMD

Georgia

Georgia Lari

GEL

Ghana

Ghanaian Cedi

GHC

Gibraltar

Gibraltar Pound

GIP

Haiti

Gourde

HTG

Guatemala

Guatemalan Quetzal

GTQ

Guinea

Guinea Franc

GNF

Guyana

Guyanan Dollar

GYD

Hong Kong

Hong Kong Dollar

HKD

Iceland

Icelandic Krona

ISK

India

Indian Rupee

INR

Jamaica

Jamaican Dollar

JMD

Japan

Japanese Yen

JPY

Kazakhsta

Kazakhstan Tenge

KZT

Kenya

Kenyan Shilling

KES

Papua New Guinea

Kina

PGK

Lao, Peoples Democratic Republic

Kip

LAK

Angola

Kwanza

AON

Lebanon

Lebanese Pound

LBP

Albania

Lek

ALL

Hondura

Lempira

HNL

Sierra Leone

Leone

SLL

Lesotho

Lesotho Loti

LSL

Liberia

Liberian Dollar

LRD

Swaziland

Lilangeni

SZL

Madagascar

Malagasy Franc/Ariary

MGF

Malawi

Malawi Kwacha

MWK

Malaysia

Malaysian Ringgit

MYR

Turkmenistan

Manat

TMT

Mauritius

Mauritius Rupee

MUR

Moldova, Republic Of

Moldovan Leu

MDL

Morocca

Moroccan Dirham

MAD

Mozambique

Mozambique Metical

MZM

Myanmar

Myanmar Kyat

MMK

Nigeria

Naira

NGN

Namibia

Namibian Dollar

NAD

Nepal

Nepalese Rupee

NPR

Netherlands Antilles

Netherlands Antillean Guilder

ANG

Israel

New Israeli Shekel

ILS

Taiwan

New Taiwan Dollar

TWD

New Zealand

New Zealand Dollar

NZD

Bhutan

Ngultrum

BTN

Norway

Norwegian Kroner

NOK

Peru

Nuevo Sol

PEN

Mauritania

Ouguiya

MRO

Tonga

Pa’anga

TOP

Pakistan

Pakistan Rupee

PKR

Paraguay

Paraguay Guarani

PYG

Macao

Pataca

MOP

Mexico

Peso

MXN

Philippines

Philippine Peso

PHP

Botswana

Pula

BWP

Qatar

Qatari Rial

QAR

South Africa

Rand

ZAR

Cambodia

Riel

KHR

Romania

Romanian Leu

RON

Maldive

Rufiyaa

MVR

Indonesia

Rupiah

IDR

Russian Federation

Russian Ruble

RUB

Rwanda

Rwanda Franc

RWF

Saint Helena, Ascension and Tristan Da Cunha

Saint Helena Pound

SHP

Saudi Arabia

Saudi Riyal

SAR

Serbia (Republic of)

Serbian Dinar

RSD

Seychelles

Seychelles Rupee

SCR

Singapore

Singapore Dollar

SGD

Solomon Islands

Solomon Islands Dollar

SBD

Kyrgyzsta

Som

KGS

Uzbekista

Som

UZS

Somalia

Somali Shilling

SOS

Tajikistan

Somoni

TJS

South-Korea

South-Korean Won

KRW

Sri Lanka

Sri Lanka Rupee

LKR

Suriname

Suriname Guilder

SRG

Sweden

Swedish Krona

SEK

Liechtenstein

Swiss Franc

CHF

Switzerland

Swiss Franc

CHF

Samoa

Tala

WST

Tanzania, United Republic of

Tanzanian Shilling

TZS

Trinidad and Tobago

Trinidad/Tobago Dollar

TTD

Mongolia

Tugrik

MNT

Turkey

Turkish Lira

TRY

United Arab Emirates

UAE Dirham

AED

Uganda

Uganda Shilling

UGX

Ukraine

Ukrainian Hryvnia

UAH

United States

United States (U.S.) Dollar

USD

Uruguay

Uruguayo Peso

UYU

Vanuatu

Vatu

VUV

Yemen

Yemeni Rial

YER

Zambia

Zambian Kwacha

ZMW

Zimbabwe

Zimbabwe Dollar

ZWD

Poland

Zloty

PLN

 

 

 

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