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CyberCash
CyberCash’s Secure Internet Credit Card Service delivers a safe,
real-time solution for merchant processing of credit card payments over
the Internet. The Credit Card Service lets any consumer with a valid
credit card buy from any CyberCash enabled merchant. Designed to
integrate fully with existing transaction processing systems used by
banks and other financial institutions, the service provides automated
and instantaneous authentication, enabling order processing to traverse
the Internet 24 hours a day, 7 days a week.
Consumers Benefits:
Safe, private and easy to use. Protected by the highest allowed
levels of Internet encryption with assured authentication.
Use existing Visa, MasterCard, American Express or Discover.
No special credit cards are necessary.
Complete on-line payments
Merchant Benefits:
Real-time authorization and settlement
Receive payments instantly and secure
No need to maintain expensive phone or fax operations
Open 24 hours a day
Along with enabling secure on-line payments, the CyberCash
Cashregister provides all the functions and tools necessary for managing
transactions.
Features:
Wallet Works with Multiple Platforms: the consumer CyberCash
wallet runs on Windows and Macintosh
Supports Major Credit Cards: customers can shop with
MasterCard, Visa, American Express and Discover cards issued
world wide
Available at thousands of Banks: CyberCash currently provides
service to credit card processors - such as FDC, GPS, NOVA,
Checkfree and Wells - which can provide service to any merchant
and its bank
Strong Encryption: 1024-bit RSA and 56-bit DES provide the
strongest protection legally available.
Benefits:
Real-Time, automatic sales 24 hours a day: all processes are
carried out from your web site without manual intervention.
Transactions occur within 15 to 20 seconds. Consumers have
more payment options, so sales are increased
Inexpensive to integrate: because the CyberCash Credit Card
Service works with over 80% of existing merchant banks, most
merchants can continue their established banking and
order-processing procedures.
A Complete Solution: to those who have a multiple order sources
and need a single source for payment processing, CyberCash
offers flexibility. The software reliably handles purchases, returns,
credits, voids and other administrative functions.
Protects Against Fraudulent Use: Strong encryption consumer
authentication and merchant authentication keep unauthorized
individuals from obtaining credit information.
Transaction logging and reporting:
To support balancing, reporting and other back-office functions, the
Cashregister software automatically logs every transaction in a powerful
database. All critical payment information remains in encrypted form. An
easy to use, web based reporting feature provides password protected
visibility into this transaction level information. To zero in on a problem a
merchant can:
Select all or single card types (MasterCard, Visa, American
Express or Discover)
Select all or specific transactions to be included (up to 200)
Search the entire log or select a specific date range
Search for a specific dollar amount or an amount range
Remote Management:
Because many Internet store fronts are maintained by third parties such
as RapidSite, the CyberCash Cashregister provides merchants with a
web based remote access to its many management features, including:
Remote queries against transaction logs
Merchant-initiated transaction entry (sales, credits, voids etc.)
End of day balancing for both terminal and host-based systems.
The CyberCash setup process
Please note that if you wish to use the CyberCash walletless interface with the secure SSL
server, you will be required to obtain your own Verisign server certificate. You will not be able
to use RapidSite's server certificate with the CyberCash Walletless interface. Please refer to
the following page for complete information on how to obtain your own Verisign server
certificate.
According to the following URL from the CyberCash web site, there are 6
steps required to complete the entire CyberCash Credit Card Merchant
setup. *Please note that we do not provide CyberCoin Merchant
accounts, we only offer the CyberCash Credit Card Merchant accounts.
"Financial Institutions". This step is performed by you or the
webmaster of your domain. Notify your bank that you are interested in
accepting credit cards using CyberCash. If your bank does not set up
merchant credit card accounts for CyberCash, you can e-mail
CyberCash: bank@cybercash.com to request CyberCash to speak with
your bank on your behalf. You can also refer to the following URL of the
CyberCash domain for a list of CyberCash Partner Financial Institutions.
"Credit Card Agreement". This step is performed by you or the
webmaster of your domain. You will need to submit a "Credit Service
Agreement", complete the online registration form to register for the
CyberCash credit card service. Please refer to the following URL of the
CyberCash domain for the "Credit Service Agreement"
"Download Cash Register". This step is performed by RapidSite.
RapidSite has a separate server that has the CyberCash Cash register
software installed. RapidSite will create a Merchant Administration
Server account for you on our CyberCash server:
http://cyberc.rapidsite.net:12001/
The Merchant Administration Server account is where you will perform
your various merchant tasks such as process Orders, Voids and
Returns. You can also review any Order Status as well as enter Direct
Credit Card Input for manual order taking. Please refer to the following
URL of the CyberCash domain for the complete on-line Merchant
Administration Server users guide:
"Public Key Exchange". This step is also performed by RapidSite.
RapidSite will generate your public encryption key. RapidSite will then
contact CyberCash, who will create your private encryption key on their
servers. Please refer to the bottom of this page for the information that
you must provide RapidSite for the creation of your encryption key.
After this step is completed, you will receive three e-mail messages
from RapidSite Technical Support. The first e-mail will contain your user
id and password for your Merchant Administration Server account on our
CyberCash server (see step three above). The other e-mails will contain
two CyberCash Perl scripts, invoice.cgi and pay-to.cgi. These scripts
are provided by CyberCash and are to be used in the creation of your
html store front (see step five below).
Step Five
"Merchant Support Area". This step is performed by you or the
webmaster of your domain. This involves the creation of your html store
front and the integration of your CyberCash scripts that you place into
your /cgi-local directory. You will need to use Perl scripts to
communicate between the html store front on your domain and your
Merchant Administration Server account on our CyberCash server. The
integration of the CyberCash scripts into your html store front will require
additional Perl programming. Once you have your html store front
completed, you will need to perform some "test" transactions to make
sure that everything is functioning correctly.
Please refer to the following URL of the CyberCash domain for additional
information concerning the use of CyberCash with your html store front
and to download additional CyberCash Perl scripts:
http://wilder.cybercash.com/
Please refer to the following URL of the CyberCash domain for the
Merchant Support Area. This is where you can find additional information
on integrating the CyberCash software into your html store front:
If you require additional assistance with the integration of your html store
front and your CyberCash scripts, please refer to the following URL of
the CyberCash domain for the Merchant Development Partners:
As an alternative, you can use third party html store front products that
include a CyberCash interface. One such product that RapidSite offers
is the Mercantec SoftCart. The SoftCart includes a CyberCash interface
that can be used in place of the CyberCash Perl scripts. This interface
does not require any additional Perl programming. For additional
information, please refer to the RapidSite SoftCart page:
http://www.rapidsite.net/services/softcart.html
Step Six
"Announce Yourself". This step is performed by you or the webmaster
of your domain. This involves "going live" with your store. When your
testing procedure is complete, CyberCash will contact you via e-mail
stating that your test transactions were received correctly. You would
then send an e-mail confirmation to CyberCash with a 25 word
description of your site. You will then receive a final e-mail from
CyberCash that states to switch your Merchant Administration Server
account from "Debug" mode to "Live" mode. Please forward that e-mail
to RapidSite Technical support. Our system programmers will change
that setting in your Merchant Administration Server account
configuration file.
These steps are detailed completely on the following URL of the
CyberCash site:
To start the CyberCash installation process we require the following
information:
1. Domain name
2. UserID
3. Processor:
American Express
CheckFree Corporation
First Data Corporation
First USA/Paymentech, Inc
Global Payment Systems
National Processing Company
NOVA Information Systems, Inc.
SLIGOS
Vital Processing Services
Please refer to the following URL of the CyberCash domain for a current
list of CyberCash Participating Processors:
AuthCapture (FDC does NOT support AuthCapture for CyberCash)
will automatically check the credit card for authorization at the
time of transaction
will automatically process the transfer of funds from the credit
card holder at the time of transaction
best suited for use by a store front that is offering non-tangible
items, for example on-line information or on-line access.
AuthOnly
will check the credit card for authorization during the ordering
process
will not automatically process the transfer of funds from the credit
card holder at the time of transaction
the orders are batched for manual processing. All batched orders
that are not manually processed within 24 hours will become void
best suited for use by a store front that is offering tangible items
that must be delivered. This eliminates the need to void
transactions when items are out of stock.