Table of Contents
Episode Summary
Join Bret Alarcon, Michael Cianci, and Jordan Tipson as they discuss the merits of the new iFrame payment page. The iFrame setup allows you to process credit card payments on the same payment screen, allowing you to avoid possible issues that come from credit card payments on redirected pages.
Recording
Transcript
Bret Alarcon 0:08
Hello and welcome to this week's edition of RecChat. I'm your host Bret Alarcon. Today we have some information on a brand new way to how to handle credit card processing called the iframe. So we have Mike Cianci here. Today, he's going to be demonstrating how this works and how to set it up. So if you have any questions, please ask them in the q&a section. It's that little q&a Button down at the bottom, you can Type out your question, and we'll give you an answer. If you don't have time at the end of the chat to get to all the questions, we'll be producing a q&a document that we'll be sending out or linking with this RecChat where you can find all the answers. We also have Jordan Tipson with us. He's going to be helping us with questions and giving you some brief information on the technical side of the iframe. So with that, how're you doing today, Mike?
Michael Cianci 1:00
I'm doing pretty well. How are you doing, Brett?
Bret Alarcon 1:02
I'm not too bad, enjoying the day.
Michael Cianci 1:05
Jordan, how are you doing?
Jordan Tipson 1:06
I'm doing great. Happy to be here.
Michael Cianci 1:08
There we go.
Bret Alarcon 1:10
All right. So what do you have to show us today Mike?
Michael Cianci 1:13
so we'll be talking a little bit about the iframe, the iframe is a new way to take payments through WebTrac. If you're using the gateway CardConnect, it seems to be you know, resolve a lot of issues that we were having with the hosted payment page, the hosted payment page redirects from WebTrac, out to the hosted payment page. And then back from the hosted payment page to WebTrac, which we've seen a lot of, you know, miscommunications or issues coming from that redirect, the iframe builds in CardConnect fields to WebTrac consolidates it makes it so we don't have to redirect out to another webpage, no redirect back. And it kind of consolidates that communication, eliminating significant amount of errors, in my opinion. So it's been super nice. We've had a few customers go, we've had very little complaints, and we've had a lot of positive feedback, which has been great. So today, I'll kind of walk through how we change to it, which is very easy. I don't know if anybody out there set up the hosted payment page. But that required significant more work than this hosted payment page will do, you guys will probably get a kick out of you know just how simple it really is. So it'll be super nice.
Bret Alarcon 2:26
We look forward to hearing about this. I know, credit cards is always one of those big issues. So anything we can do to kind of stomp that out, that's great.
Michael Cianci 2:34
For sure. I think this will definitely solve a lot of issues a lot of people were having and save a lot of time, you know, not having to troubleshoot those issues and should alleviate a lot of pain that you know, CardConnect or, you know, the hosted payment page brought. So this should be very nice.
Bret Alarcon 2:52
Actually, do you want to feel the quick question that just came in? That's probably on everybody's mind?
Michael Cianci 2:56
Sure, what's up?
Bret Alarcon 2:57
So does the iframe cost any additional money?
Michael Cianci 3:00
It costs no additional money. So it's super easy
Jordan Tipson 3:03
If you're a card connect customer.
Michael Cianci 3:05
If your CardConnect customer already. If you're looking at switching from PlugnPay or ETS to CardConnect. That's a completely different conversation that involves you know, quite a bit more and probably a conversation with us in a conversation with those two gateways. So, you know, feel free to reach out if you'd like to switch and you think this is great. Otherwise, you know, no additional money if you're already a CardConnect customer, as Jordan said. Cool. Well, I'll take over, I'm going to show you guys kind of the changes that need to be made on the RecTrac side, and then I'll show you how it works in WebTrac. And then we'll open it up to questions. I honestly don't think this is going to take too long, there's very little setups required, it doesn't take a whole lot to change over. And I've got it kind of all primed and ready to show you guys what's going on. So let's see. I'm going to share my Screen. I think. All right, can we see my desktop? Can you guys see it? Yeah. All right. Very exciting. Let's see. So I will start by this is my you know, my RecTrac database. Let me open it in the new UI for all of you people using the new UI. Next Gen. Let's do those. No, thank you. Start up a new session here. So the first thing we're gonna want to do is if you have a custom Screen design for your web checkout, well that'll need to be deleted and recreated. That's probably going to be the most work if you have one of those. I've done quite a few of these and it seems to be more uncommon that someone has one than that they do have one. But it looks like these fields weren't added to those and just need to be deleted and recreated If you want to have that new Screen design, otherwise, just verify that you don't have one and then continue with the process. Those will be found here in WebTrac. Processing Screen management.
just something to note real quick a lot of customers that we set up in our beta period, or not a lot of customers, but if they did have a custom checkout Screen, it was mainly because they wanted to put additional information about getting redirected to the hosted payment page and getting redirected back. So that was really the only custom thing that a lot of these customers that had on there. So it's most likely, most of you guys don't have custom web checkout screens. But yeah, as Mike said, If you do, you'll need to delete those just because a new group was created, versus just new fields being added.
Yeah, I think a lot of those were like red HTML being like, please don't dilly dally on the page, you'll be redirected to, you know, not processing a expedient transaction will result in issues. So like Jordan said, That was a lot of what we saw on there. So it should be probably okay to just delete it out. But it'd be good to verify first. So that Screen when it's in there, it's going to be this checkout Screen right here, I'm just going to add it in for the sake of deleting it is checkout Screen, when you come in, you'll see this web checkout or checkout, you'll just want to verify that the stuff in there, if you have one in there would be like the HTML or something pointing towards the, you know, issues that we would have with the hosted payment page. And if that's the case, you can just delete that right now. And you don't have to create it. So I'm gonna, I'm gonna delete it just for the sake of deleting, there's step one, you know, not too bad, go in there, verify, potentially remove, the next step is going to be to come into Profile assignments up into here, you'd want to find your credit card Profile, I'm going to use my CardConnect ecommerce Profile, all I have to do is update that Field. And then this is where it would have been hosted payment page version two, you know, you probably would have had all of your stuff in there your payment URL that you would have had to pull from the hosted payment page and copy and paste it over into here. You would have gotten that from like the connect tab on the hosted payment page, kind of like where your return to website URL is and you're like redirect. But all we have to do is take that and change it over to the hosted iframe tokenizer. And now we're pretty much done. I think, Jordan, do you have to trim your event live? Or do you think that's at least a smart idea to make sure that everything's back to?
Jordan Tipson 7:41
Yep, I think it would be a smart idea to do that. And you know, kind of something Mike and I talked about is you probably don't want to make this change mid day. While people are processing. There's there's no implications per se of changing mid day, just that if you did catch it at the right time when a customer maybe was on the hosted payment page, and you change this and then they redirected back. So it's always good practice to just trim your agents just to make sure and probably try to do this maybe later in the evening or first thing in the morning to make the switch over.
Michael Cianci 8:12
For sure, thank you Jordan. So once you've made the change to hosted iframe tokenizer trim your agents like Jordan said, don't do it at a time when you're experiencing you know, heavy traffic, you know, not in the afternoon, probably not during peak registrations, or you know, anything too crazy. But once we've made those two changes, we're done. That's all we have to do. There's nothing crazy, no, no more setup required that that would be it. So once we've done that, I'll kind of show you guys how it looks. What we do is, this is my WebTrac You know, pardon it not being super pretty, it's pretty, pretty blank and barren. But what I did was I added an item to the cart. I've got this $10 test fee. I will proceed to checkout at the checkout Screen you can see $10 You know it looks good. Oh no, I have a bunch of credits on my household. That should be okay. If I hit Continue what's the home with area code? Should be fine. I hope it doesn't use it used my credit. Bear with me one second. I was troubleshooting a issue the other day and I added a bunch of credit to my household I will just get rid of that credit should take me two seconds. See that? I have $1,280 on my household... and you go to $0 payment? Yes. Let's see. use refund credit, use refund credit. refund all credits, oh no refund the options available. Let me think... jammed up a little bit let's see payment, defaults payment update add refund pay codes let's just pick one to make sure ...cash, select, okay I think it should be alright. Go back, Use refund, refund all credits, I just need to add the ability to Refund now... allowed refund options refund apply, I would like to be able to resign now as well. There we go. And while we're here, I'm going to go back and I think I'm also going to cancel out those two tests that way I can repurchase them, purchase history cancel out everything's clear out my purchase history. $40 refund, let's get rid of my credits as well. Use refund credit. refund all credits. paycode cash, There we go!
Jordan Tipson 12:19
I can answer a quick couple of questions while you're on here. So do you have to be on the latest version? So this was released in 3.1.10.04.00 so you need to be on that version to be able to utilize the CardConnect iframe, if you, again are currently a CardConnect customer.
Bret Alarcon 12:43
I'm seeing a few questions asking if we could kind of show the first step and basically go through the process again. So Mike, if you have some time after this demonstration, can you touch on that again?
Michael Cianci 12:58
Yep, for sure. Okay, we're back $10 in the car, I have no credit on my household, I should be able to process it and we will be able to look at it appropriately. Once I hit proceed to check out this is what it should look like it gives us the ability to pick our you know using payment method. Some people have you know, it broken down into credit card, some people have it Visa, MasterCard, Discover AmEx, the new portion of this is the payment is now going to be built into this portion down here. It's built right into WebTrac. This makes it so there's no you know, everything shares the same timeout, a lot of the issues that we had before was someone would add something to the cart, they would be directed out to the hosted payment page. And then they would sit on the hosted payment page for a period of time, the WebTrac session would then be cleared out due to inactivity, whereas the hosted payment page not being you know, RecTrac page would sit out there longer, it would make the payment, that payment would go through hit CardPointe, then they'd be redirected back to WebTrac. But there would be no handshake there'd be no communication because that session had already been cleared. This is where we'd see payments, hit cardpointe but not hit RecTrac or WebTrac, then when we would see you know double payments, it's kind of the exact same issue to where they would go, they would make that payment, and then everything would go through appropriately. So they would have a transaction that went through, wouldn't come back. So they'd have a payment in card point, then they would go to reprocess, they wouldn't see themselves in that activity, they would put it through it would go through fine. And they would think that they would be double charged because it hit twice because on the first transaction, it didn't actually, you know, come back and handshake where with this being built into the WebTrac Screen, if that were to happen, it would all you know, be cleared out due to inactivity. And there'll be no issue with redirect or someone sitting out somewhere or it's all built into the same page. So one thing to note is that these fields are actually CardConnect fields Add those fields are the iframes kind of, you know, taking fields and building them into, you know, WebTrac, or our website. So these are still, you know, fields from CardConnect, it's going to be the way that they tokenize the information, it's still going to be, you know, covered through CardConnect, PCI compliance and covered through, you know, kind of their fields versus it being like actual WebTrac fields, which is nice. And, you know, it's just kind of all built in there, and having it all in one has seemed to reduce a significant amount of our issues. So that's pretty much it,
Jordan Tipson 15:37
Just to touch on that. So the CardConnect fields for the iframe, it's actually just the credit card number Field, just, yeah, so you'll notice that that's a little bit styled differently. But that Field there. So if you Type a full credit card number in there, which Mike will do in a second, you'll notice that you'll be able to see when it tokenizes it. And then at that point, again, we still haven't stored the information yet, because we haven't finalized the transaction. So again, that's what helps a lot with the moving to the HPP2 and then coming back, is that we've you know, it's hit CardConnect already, but hasn't hit us. Whereas this here allows it for us to not really get that information until this sale is complete. So Mike, if you do Yeah, so as you see it, if you put in correct information in or
Michael Cianci 16:26
how many, how many numbers is a credit card number again?
Jordan Tipson 16:29
It's 16, so do four and then 15, ones.
Michael Cianci 16:32
4111 1111 1111 1111
Jordan Tipson 16:38
So notice when he now gives us a second, so at that point now CardConnect. Again, because that Field is CardConnect Field, so they've tokenized it, but we haven't yet grabbed it yet, because we obviously haven't hit our continue Button, which is what processes the receipt. So again, if you stayed on this page here, there isn't any sort of timeout, if you do have WebTrac Timeout set up set up, let's say it's 15 minutes, well, if you were to just stay on this page, just like this, with that number in there, if you got timed out of WebTrac then it would just empty your cart, we would not even store that token anywhere, the transaction would never happen. So there's really, you know, zero chance really of getting the token storing it and then trying to process the transaction. If you stay on this Screen forever and get kicked out of WebTrac Then it's just gonna remove the items from your cart and not pass any information on to us. But yeah, I saw one question quickly pop up. But yeah, with credit cards, American Express, you know, we tested obviously with everything American Express, Visa, MasterCard, you know, all them discover.
Bret Alarcon 17:47
Hey Jordan, question, Could you please explain how you can still maintain the out of PCI scope status, we getting credit card info on WebTrac page.
Jordan Tipson 17:56
Yep. So again, that Field, that credit card number Field that is actually not WebTrac at all. So kind of the way to think about it is think as that as being CardConnect hosted payment page too, whereas we used to redirect you there to take you fully away from WebTrac. But in this case, here, that Field and again, you can kind of notice that that's a little styled a little difference a little shorter, is that is directly talking to CardConnect. So that is not talking at this point to the RecTrac database at all. Again, we're not storing that full 16 digit credit card number anywhere that information is completely talking with with CardConnect, CardConnect seeing that 16 digits, saying okay, it's good to be tokenized it does its thing once you get the stars back, that means CardConnect has gotten a token for that. And then that's why again, we don't store anything at this point yet, because we don't know if that's valid or not. So if you had all the rest of the information filled in and hit continue, the next piece is the receipt. Whereas at that point, when we're creating the receipt and the detailed records, now we're grabbing that that token from it. So again, we're never that Field really isn't, you know, a WebTrac Field, we tried to make it look as close as it was to make the user experience look the same. But yeah, we're not we're not storing any full credit card information whatsoever in WebTrac. It's just a different method of how CardConnect is tokenizing it versus again, think of that as a little mini HPP2 page. That's doing it all, but we're never having to leave this Screen.
Michael Cianci 19:32
And Jordan like in essence, that's like the definition of an iframe, right? Like that's Yep.
Jordan Tipson 19:38
Yup, exactly
Bret Alarcon 19:39
Like a Frame and Frame on your TV.
Jordan Tipson 19:42
Right. So it's almost, yeah, it's almost like that's a mini hosted payment page 2 that, you know, you're used to being redirected to, essentially it's just that one Field now that instead of redirecting you to that we can just throw it right on our Screen. And again, as Mike brought up the source there, it's fully going to Card connects, you know, secure server. And in creating the token, there
Bret Alarcon 20:06
is some other questions that kind of go around along with the Screen while the credit card save on the customer's household, or will they need to enter it each time they process a transaction.
Jordan Tipson 20:17
I mean, I guess it all depends on like, if they're set up for installment billing or auto debit, then it's it works the same way as it did before. I mean, once they established that credit card, but like on this transaction here, if I were to hit continue the next time I come in here, it doesn't just populate with what it already has. But in terms of like installment billing and auto debit, it works the same way, you know, we store the token on file. And then when you run your monthly or bi weekly auto debit for passes, or whatever it may be, it just pulls that token and processes it. This is more of kind of a we're not really triggering here to save on file like we would with when you sign up for a membership or something like that.
Bret Alarcon 20:59
Awesome. Do you have to submit any information to CardConnect before using the iframe?
Jordan Tipson 21:06
You do not know they? They didn't they did not need to get anything? Again, you just have to be a current CardConnect customer.
Bret Alarcon 21:16
Is the Street Address Field always going to be required? Are there different settings requirements based on our CardConnect account?
Jordan Tipson 21:23
Yes, it is somewhat based on your CardConnect account. We on the development side went back and forth with pre populating that not pre populating that. We always kind of whatever decision we decided to go with, you know, the other half of the people don't want us because you know, you've got your customers that you know their billing addresses in Vermont, but they're currently you may be in Florida. So we put those fields on there as manual fields just to add. And those really go back to all of your, you know, your configuration with CardConnect in your abs settings. So typically that if you're doing the address street validation and zip code, it typically lowers your rates. So yeah, it definitely does kind of go back to your setup and how your merchant IDs are set up.
Bret Alarcon 22:09
Do we need to change anything to allow installment billing online?
Jordan Tipson 22:14
You do not I mean, if you're, if you're currently doing it right now, the change is it basically when you set up someone for an installment bill, this payment information Screen at the bottom is the same Screen that you would see just when you're setting up your billing. But in terms of like, if you currently have installment bills set up and you're now switching over to this, there's no change that's needed the token, you know, essentially, the token is the token per se. So it's just a method of how CardConnect is creating that token. So if you have 100,000 people already set up with those and you want to switch over to the iframe as your new method for WebTrac has no impact on your current billing. And then anybody that has an existing bill that they maybe need to update their credit card, they could update it through now iframe and then it just now works for your next round of billing for that customer.
Bret Alarcon 23:08
What do you recommend we change our session cleaner timeout settings to now
Jordan Tipson 23:13
I'll leave that up to Mike, he probably is a little more familiar with that piece than than I do. And I am.
Michael Cianci 23:20
I always like 15 minutes, I think 15 minutes feels good. I know what the hosted payment page, I think, you know, most of you probably worked with me and I probably suggested you know, 45 minutes to an hour to prevent, you know, a lot of that issues, you know, the shorter it can be that we feel comfortable with, you know, the better in my opinion, because that's less concurrent sessions, which you know, just yields a lot better database and you know, your server works better, it's just going to be better, but it's, uh, I always like 15 minutes, I think you know, 15 minutes is more than enough time to enter in this information here, you have to go run and grab your credit card, you know, your house probably isn't so huge that it takes you more than 15 minutes to go and grab it. But you know, who knows? I don't know. Um, but, you know, 45 minutes I always felt was a little bit long, but it was necessary. Because we were experiencing so many issues with the hosted payment page to where you know, it, we kind of had to have it like that, because that dramatically reduced the amount of errors that we were getting. But we still got those errors. We're here, you know, worst case scenario they have to go in, you know, it does, you know, timeout, but there's no negative impact from a timeout here, which is very nice. That's why I feel comfortable with it at 15.
Bret Alarcon 24:32
Awesome. All right. I think now would be a good time to kind of recap on the setup portion. I know some people missed it or there's questions
Jordan Tipson 24:40
Mike, do you want to just finish the transaction or you not on the TPS.
Michael Cianci 24:44
I think I can? I have a CardConnect test account on so I probably can I think
I guess everyone can see my phone number anyway. So that's fine. Name on card, Mike C CVV 123. Billing address I don't think...
Jordan Tipson 25:16
that's fine. And just your expiration would be, your card would be expired with those dates just
Michael Cianci 25:24
perfect.
Jordan Tipson 25:30
Yeah, it's because you're not connected to your HTTP connection. HTTPS connection isn't currently enabled.
Michael Cianci 25:39
I might not be able to then,
Jordan Tipson 25:40
yeah, he's on the VPN. But basically, yeah, well, we were going to just simulate there was when you hit that continue Button, the next Screen is your confirmation receipt. So again, prior to this change with HPP2, your continue Button would be what initiates the HPP2 Screen, you plug your information and come back, and then finish the transaction. Whereas in this case, here, plugging that information in and then your continue Button is really your your finalized Button. As soon as you Click that the next Screen is your your confirmation receipt Screen. So again, eliminating a lot of the call to CardConnect out and then the reply backhand, which is what again, where a lot of the issues used to used to happen from
Michael Cianci 26:21
Sure.
Bret Alarcon 26:24
So some questions to kind of go with the the first steps of this again. So Stacey asked, so basically, you delete the WebTrac checkout Screen first and WebTrac processing Screen management, and then change the credit card Profile to iframe tokenizer and RecTrac. Is that correct? Do you have to do anything in CardConnect?
Jordan Tipson 26:42
No, that is correct.
Michael Cianci 26:44
That's pretty much it. You just explained everything we're trying to explain in this video in about 10 seconds.
Bret Alarcon 26:49
There you go.
Michael Cianci 26:50
Yeah, that's that's all you have to do
Bret Alarcon 26:53
You want to do the next one, Stacy? All right, Elizabeth says, Okay, we at three rivers, have a check out custom Screen. So we delete it, then recreate it? Oh, and then recreate a new one. That makes me nervous. So yes, going through that one more time would be great.
Michael Cianci 27:11
Yep. It just depends on why do they have a custom Screen design would be my question, what what is custom about it.
Jordan Tipson 27:20
So if you go back to WebTrac, real quick. So again, this is your checkout Screen here. So depending on you know, maybe, obviously, before anybody goes and makes the changes, with your test account, or whatever it is, maybe go and get to the point, obviously, you're not gonna see payment information at the bottom, but get to this Screen and see what's custom. So this is basically the generic Screen here, see what's custom about this Screen that you have. And then you know, we could always help you out with this, you could give us a call, we can we can help you with that. But again, a lot of the beta customers that we worked with this Screen was only custom because they put a ton of information about the redirect to you know, don't Click X, when you get to the next Screen, make sure you come back, because that's what obviously caused a lot of the problems. So I'd be curious to just see what you have on your custom Screen. And kind of go from it from there. And one thing to note too is you don't have to have a custom Screen for this Screen. That is definitely not a requirement is just if there is something on the Screen that you do want to change. That's the reason for having a custom Screen. So I just verify what you have on your custom Screen first. And then and then maybe we'll figure it out from there.
Michael Cianci 28:30
Yeah, because like Jordan saying, you might not even have to recreate it, you might just be able to delete it because it just has stuff on there that's no longer applicable. So
Bret Alarcon 28:39
yeah, Elizabeth, following up it says it was custom, because we had a big red font on the redirect info. Like please wait and
Michael Cianci 28:45
Yep, probably safe. So yeah, that that font being no longer needed. That custom Screen design being no longer needed. All we'd have to do would be delete out that custom Screen design and then just Toggle on the use iframe hosted tokenizer and we would be back in the money.
Bret Alarcon 29:04
Jordan, can you say that version? You need to be on again?
Jordan Tipson 29:07
Yep, it's 3.1.10.04.00, is the least the lowest version? But obviously, anything beyond that we'd recommend you get on that. But at a minimum you need to be on 04.00
Bret Alarcon 29:22
Awesome. All right. I think we have time for maybe one or two more questions. I think I saw a mobile question on here. Does this work for mobile?
Jordan Tipson 29:33
It does. Yep. I don't know what specifically in mobile. You know, obviously the screens are gonna gonna look a little bit different like your you know, you might want to check your web, or your mobile web custom Screen. That would definitely be something to take a look at. But yeah, same same idea here in mobile.
Bret Alarcon 29:55
Would this replace or eliminate the need to setup the hosted payment page
Michael Cianci 29:58
100% Yeah, you, you will not have to do that. I was working with one of my buddies over here to where he had a, he was working with a customer that had 12 independent web tracks, and he was just setting it up the other day. And he was like, Hey, do I have to set up the hosted payment page for each one of these web tracks. And I was like, You know what, we're definitely not going to do that, where, let me show you how to set up the iframe. And he had to set up, you know, just the iframe, but only Toggle it on, you know, those 12 times and those 12 different profiles. And then, obviously, there's a significant amount of work when you're setting up that many web tracks, but it saved him a lot of time, and that he didn't have to set up those hosted payment pages. Because even when you can blow through them, you know, it still might take 15 - 20 minutes, if you're quick, versus you know that 30 seconds to five minutes, it might take care to make these changes. So no need to set up a hosted payment page. But if you have one set up, it's not gonna hurt you. You know, it's just, it's no longer necessary.
Bret Alarcon 31:00
Alright, we're creeping over the time limit here. So I believe we'll have to cut this one off. But you guys had great questions. There's plenty more great questions in there. So we'll be spending some time with our q&a Doc. And we'll make sure to get that q&a Doc. So everybody's question to get answered. So be on the lookout for that on our RecTrac portal page. I can actually post that portal page into the chat.
Michael Cianci 31:26
And then on top of that, we also do have documentation that does walk through this, which I think Brett will be also sending out here's just a quick preview. You know, it's just a super fun walkthrough pretty short document that'll cover setting it up. So
Bret Alarcon 31:42
It'll be side by side next to the q&a in the video survey. All all your resources will be in that one spot I just posted in the chat. All right. Well, thank you everybody, for showing up. It's been great Mike and Jordan, you're very helpful today. Thank you for giving this information out to everybody. And I know that people are excited for this. Good luck everybody setting this up and we wish you the best of luck with it.
Jordan Tipson 32:07
That's all right. Thanks, everybody. Stay safe,
Michael Cianci 32:10
signing off.
Bret Alarcon 32:11
Take care everyone.
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