WebCheck Web Services Interface 2.1 January 2011

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WebCheck Web Services Interface

2.1 January 2011

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T Tech WebCheck Services

Transaction Technologies, LLC (T Tech) WebCheck Services product extends to its customers the option of processing electronic check payments through the industry standard common protocol Web Services. Governed by the Web Services Interoperability Organization (WS-I), Web Services permits information systems of varying technologies, both new and old, a means to communicate using a common set of previously agreed upon rules. The shared rule set is based upon Web Services Definition Language (WSDL), Simple Object Access Protocol (SOAP) and Extensible Markup Language (XML)- a simple methodology used by information system professionals to structure and exchange data. By passing information back and forth through this simple structured language, T Tech supplies its WebCheck Services product by the Software As A Service (SAAS) delivery model. The SAAS business model relieves T Tech's customers of the burden to maintain their own secure payment processing engines. WebCheck Services customers can instead rely confidently upon T Tech's centralized system to process their check payments. In short, T Tech's WebCheck Services provides an easy and cost effective technological pathway to a stable secure payment processing system with a long history that has served millions of consumers. WebCheck Services Basic Components

1. Simple ACH Authorization – Comprised of a real-time internet Authorization transaction in which basic payment information is sent by the merchant to WebCheck Services and a basic confirmation is returned back.

2. Authorization with Batch Out – Comprised of both the simple Authorization transaction described above and an end-of-business-day Batch Out real-time internet transaction. The end-of-business-day Batch Out transaction is sent by the merchant to WebCheck Services as a means to further verify and give final approval of the payments to be deposited. Fundamentally, the Batch Out transaction is a listing of all the authorizations previously confirmed since the last deposit. WebCheck Services “double-checks” each item in the listing. Then, WebCheck Services returns to the merchant a listing of all payments confirmed for deposit. This additional Batch Out provides a supplemental measure to manage and balance payment transactions.

3. WebCheck Reports – Comprised of a series of real-time online reports. All reports can be downloaded in native format to Microsoft Excel.

(a) Pending Report – Lists all payments queued up for deposit. Payments can be cancelled on demand by the merchant.

(b) Batch Out Report – Lists all Batch Out transactions submitted. Batch Out batches can be cancelled and resubmitted if needed prior to deposit.

(c) Deposit Register – Lists all items within a day's deposit. (d) Search – Online research tool for querying transactions.

4. Deposits – All payments are processed for deposit at 3:00PM Eastern Time. 5. Refunds – WebCheck Web Services Interface also includes a separate URL portal

through which Refunds may be processed for previously deposited WebCheck payments.

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T Tech WebCheck Services Secure Data Center WebCheck keeps its highly sensitive information securely nestled in a state-of-the-art data center located in Houston, Texas. The Planet, Inc. owns and operates the information processing center. T Tech specializes in payment processing. T Tech chose The Planet (www.ThePlanet.com) for these basic purposes:

• It is a SAS/70 Type II data center- recognized as the best in the business

• It boasts itself as the industry’s most robust instantaneous network, with over 250 gbps of transit and peering capacity from 7 tier-1 suppliers

• It offers industry-leading SLAs provide the assurances your business deserves

• It maintains 24x7x365 support for peace of mind

Secure Socket Layer (SSL) Encryption / Authentication Perhaps unknowingly to the consumer, Secure Socket Layer (SSL) satisfies an elemental component of Internet trust. When an individual purchases online goods and/or services, he/she may notice that the letters HTTPS precede the domain name address in the Internet browser address bar up toward the top of the browser. The “S” indicates “secure.” Furthermore, the “S” signifies that SSL technology encrypts and authenticates the interaction between the browser and the web server, making unreadable the transmission of the data from rogue thieves with mal intent. Netscape, Inc. developed the original technology years ago. Today, all browsers and ecommerce web servers count on it. T Tech encrypts all communication between WebCheck user browsers and WebCheck web servers. Encrypted Checking Account Beyond scrambling data during transmission, T Tech also encrypts the consumer checking account information stored in its secure database system. Even in the unlikely event that someone or something would penetrate T Tech, the intruder would not find anything of useful value.

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Simple ACH Authorization - Production: https://www.ttechpayments.net/WebCheckServices/ACHAuth?wsdl Test: http://174.120.132.226/WebCheckServices/ACHAuth?wsdl

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TTech WebCheck Services

ACH Auth - Request

Field Name Type Description *MerchantID Integer TTech Assigned Merchant ID. *TransactionID Varchar(30) Merchant Assigned Unique Tran ID. *TranAmount Currency Dollar Amount of Payment. *TranDate Date

(mm/dd/yyyy) Date of Payment.

CustomerID Varchar(30) Merchant Assigned Payer Number. CustomerFirstName Varchar(30) Payer First Name. *CustomerLastName Varchar(30) Payer Last Name. CustomerEmail Varchar(255) Payer Email Address. *CustomerCheckingRoutingNumber Varchar(9) Bank Routing Number. *CustomerCheckingAccountNumber Varchar(14) Bank Account Number. MiscData1 Varchar(255) For Reporting Purposes Only. MiscData2 Varchar(255) For Reporting Purposes Only. MiscData3 Varchar(255) For Reporting Porposes Only.

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ACH Auth - Response

Field Name Type Description merchantID Integer TTech Assigned Merchant ID. transactionID Varchar(30) Merchant Assigned Unique Tran ID. checkAmount Currency Dollar Amount of Payment. checkDate Date


payerID Varchar(30) Merchant Assigned Payer Number. confirmationNumber Varchar(30) Confirmed Transaction

ERROR indicates failed transaction. data1 Varchar(255) For Reporting Purposes Only. data2 Varchar(255) For Reporting Purposes Only. data3 Varchar(255) For Reporting Porposes Only. validationMessage Varchar(255) Detailed Message for UnSuccessful

Transactions. ConfirmationNumber=ERROR

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T Tech WebCheck Services Simple ACH Authorization – Common Error Messages Common Validation Messages (ConfirmationNumber=ERROR)-

1. MERCHANT ID NOT FOUND IN OUR RECORDS 2. IP ADDRESS 999.999.999.999 NOT AUTHORIZED TO PERFORM THIS ACTION 3. PAYMENT HAS ALREADY BEEN COMPLETED 4. BANK ROUTING NUMBER MUST BE 9 DIGITS 5. INVALID BANK ROUTING NUMBER

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Authorization with Batch Out – Includes both ACHAuth and BatchOut. Production: https://www.ttechpayments.net/WebCheckServices/ACHAuth?wsdl Test: http://174.120.132.226/WebCheckServices/ACHAuth?wsdl Production: https://www.ttechpayments.net/WebCheckServices3/BatchOut?wsdl Test: http://174.120.132.226/WebCheckServices3/BatchOut?wsdl

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Batch Out – Request The Batch Out is a bundle or list of the records defined below. See the XML Schema located at https://www.ttechpayments.net/WebCheckServices3/BatchOut?xsd=1

Field Name Type Description

*MerchantID Integer TTech Assigned Merchant ID Found in the Original ACH Auth Request.

*TransactionID Varchar(30) Merchant Assigned Unique Tran ID Found in the Original ACH Auth Request.

*CheckAmount Currency Dollar Amount of Payment Found in the Original ACH Auth Request.

*CheckDate Date (mm/dd/yyyy)

Date of Payment Found in the Original ACH Auth Request.

*BatchID Integer Merchant Assigned Unique Batch Number Common to the Entire List of Batch Out Records. The Entire List will have the same new BatchID.

Note: RecordID and ScheduledDepositDate defined in the XML Schema are not used.

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Batch Out - Response The Batch Out Response is a bundle or list of the original ACH Auths Confirmed and two summary records at the end of the list.

Field Name Type Description BatchID Integer Merchant Assigned Batch Number. merchantID Integer TTech Assigned Merchant ID. transactionID Varchar(30) Merchant Assigned Unique Tran ID. checkAmount Currency Dollar Amount of Payment. checkDate Date


confirmationNumber Varchar(30) Confirmed Transaction ERROR indicates failed transaction.

validationMessage Varchar(255) Detailed Message for UnSuccessful Transactions. ConfirmationNumber=ERROR

Note: Summary Records will contain: transactionID = "CONFIRMED"; checkAmount = _totalDepositAmount; checkDate = _depositDate; confirmationNumber = _totalDepositItemCount; transactionID = "ERRORED"; checkAmount = _totalErroredAmount; checkDate = _currentDate; confirmationNumber = _totaErroredItemCount;

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Authorization with Batch Out – Common BatchOut Error Messages Common Validation Messages (ConfirmationNumber=ERROR)-

1. MERCHANT ID NOT FOUND IN OUR RECORDS 2. IP ADDRESS 999.999.999.999 NOT AUTHORIZED TO PERFORM THIS ACTION 3. BATCH ID ALREADY UPLOADED - DUPLICATE BATCH ID 4. CHECK DATE DOES NOT MATCH AUTHORIZATION 5. CHECK AMOUNT DOES NOT MATCH AUTHORIZATION 6. DUPLICATE ITEM 7. ORPHAN TRAN ID NOT FOUND IN ACH AUTH 8. ALREADY DEPOSITED ON MM/DD/YYYY. 9. INVALID TRANSACTION ID

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TTech Webcheck Services

Refund - Production: https://www.ttechpayments.net/WebCheckServicesRefund/Gateway?wsdl Test: https://www.174.120.132.226/WebCheckServicesRefund/Gateway?wsdl

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Refund - Request

Field Name Type Description MerchantID Integer TTech Assigned Merchant ID. RefundTransactionID Varchar(30) Merchant Assigned Unique Tran ID. RefundTransactionAmount Currency Dollar Amount of Refund. Must Be

Same As Original Payment Amount Unless PreApproved By TTech For Lesser Amounts.

RefundDate Date Date of Refund. PaymentTransactionID Varchar(30) Original Unique Payment Transaction

ID. PaymentTransactionAmount Currency Dollar Amount of Original Payment

Transaction. PaymentTransactionDate Date Original Payment Transaction Date. RefundCheckingRoutingNumber Varchar(9) NOT REQUIRED. By Special

Arrangement with TTech, May Be Permitted to Use Alternate Checking Info. Otherwise, Original Consumer Checking Info is Used.

RefundCheckingAccountNumber Varchar(14) NOT REQUIRED. By Special Arrangement with TTech, May Be Permitted to Use Alternate Checking Info. Otherwise, Original Consumer Checking Info is Used.

MiscData1 Varchar(255) NOT REQUIRED. For Reporting Purposes Only.

MiscData2 Varchar(255) NOT REQUIRED. For Reporting Purposes Only.

MiscData3 Varchar(255) NOT REQUIRED. For Reporting Porposes Only.

PassPhrase Varchar(10) PreArrange PassPhrase.

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Refund – Response

Field Name Type Description MerchantID Integer TTech Assigned Merchant ID. RefundTransactionID Varchar(30) Merchant Assigned Unique Tran

ID. RefundTransactionAmount Currency Dollar Amount of Refund. Must

Be Same As Original Payment Amount Unless PreApproved By TTech For Lesser Amounts.

RefundDate Date Date of Refund. ConfirmationNumber Varchar(20) Confirmed Refund Unique ID

0 = ERROR ErrorCode Integer 1 = SUCCESS

See Error Constants Table on Next Page

ValidationMessage Varchar(255) Further Detail of Any Validation Messages

Data1 Varchar(255) Passthrough from Request MiscData1.



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Refunds – Error Code Constants

Error Constant Name Value _SYSTEM_ERROR 0 _SUCCESS 1 _VALIDATION_ERROR_INVALID_MERCHANT_ID 2 _VALIDATION_ERROR_INVALID_PAYMENT_TRAN_ID 3 _VALIDATION_ERROR_INVALID_PAYMENT_AMOUNT 4 _VALIDATION_ERROR_INVALID_PAYMENT_DATE 5 _VALIDATION_ERROR_INVALID_REFUND_TRAN_ID 6 _VALIDATION_ERROR_INVALID_REFUND_CHECK_AMOUNT 7 _VALIDATION_ERROR_INVALID_REFUND_CHECK_DATE 8 _VALIDATION_ERROR_INVALID_CHECK_NUMBER 9 _VALIDATION_ERROR_INVALID_ROUTING_NUMBER 10 _VALIDATION_ERROR_INVALID_CHECKING_ACCOUNT 11 _VALIDATION_ERROR_IP_ADDRESS_NOT_AUTH 12 _VALIDATION_ERROR_USER_NOT_AUTHORIZED 13 _VALIDATION_ERROR_REFUND_ALREADY_PROCESSED 14 _VALIDATION_ERROR_ORIGINAL_PAYMENT_NOT_FOUND 15 _VALIDATION_ERROR_ORIGINAL_PAYMENT_AMOUNT_NOT_MATCHED 16 _VALIDATION_ERROR_ORIGINAL_PAYMENT_DATE_NOT_MATCHED 17 _VALIDATION_ERROR_INVALID_PASSPHRASE 18 _VALIDATION_ERROR_REFUND_GREATER_THAN_PAYMENT_AMOUNT 19 _VALIDATION_ERROR_REFUND_LESS_THAN_PAYMENT_AMOUNT 20 _VALIDATION_ERROR_NOT_PERMITTED_OVERRIDE_ORIGINAL_CHECKING 21 _VALIDATION_ERROR_MISSING_ACCOUNT_OR_ROUTING 22 _VALIDATION_ERROR_REFUND_SERVICE_NOT_ENABLED 23

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Reports – Payments Pending to Deposit

Key Features

1. View Detail (See Next Page) 2. Summary List Downloadable to Microsoft Excel.

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Reports – Payment Detail Report

Key Features

1. Cancel a Payment Prior to Deposit 2. ReSend eMail Confirmation to Consumer 3. Downloadable to Microsoft Excel

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Reports – Deposit Register Summary

Key Features

1. Query By Date Range 2. Summary List and Detail Register Downloadable to Microsoft Excel.

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Reports – Search Payments Tool

Key Features

1. Query By Field Value

2. Query By Date Range 3. Downloadable to Microsoft Excel.

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Reports – Batch Out Summary

Key Features

1. Multiple Batches Per Day 2. Batches Cancelable Prior to Deposit 3. Downloadable to Microsoft Excel. 4. Query By Date Range

WebCheck Web Services Interface 2.1 January 2011

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