Getting Started with Nevada ePay
ePay Implementation Process
Introduction
– This Series will cover the ePayment Implementation Process – Including High-Level Discussion on Decisions Needed to be Made – Ask Questions at Stopping Points during this Presentation
ePayment Solutions
• e-Payments provide an alternative way to receive payment for goods and services provided to the State Agency’s customer • Since every State Agency or Entity has their unique requirements, this presentation should be used as a planning guide
Payment Channel: • Web, IVR, • On-Behalf-Of (OBO) • Kiosk • Other • Over The Counter (OTC) Payment Method: • Credit Card • Debit Cards (Pin-Less, Pin-Based) • E-Check (Via one time ACH)
Paypoint System Flow
Administrator Customer Payments, Credits, Refunds, Enrollments Payment Processing Authorization Payment Gateway Admin & On-BehalfOf E-Payments Engine Agency Configuration, Transaction History, Search, Payment Status, Payment Actions (Payments, Credits, Refunds, Charge-Backs), Reporting E-Payments Database Transaction Management -Transaction History -Payment Status -Posting Detail -Reconciliation Detail
Real-Time Processing (API)
Real Time Validation Batch Settlement
Verification Batch Reconcilation Matching
State, County, City, Agency, or Application
Payments, Credits, Refunds, Enrollments
Generate Confirmation Number Settlement
E-Check Processing
ACH Network
Batch Processing
Real Time Authorization
Credit Card Interchange
Posting Posting Files, Recdonciliation Files, Reconciliation Reports
Batch Settlement Batch Reconcilation Matching
Credit Card Processor
State, County, City Merchant Bank Account
Admin Functions
PayPoint
User-ID Security
Paypoint Web Admin
Reporting
Payments
Refunds/Voids
Transaction Search
Daily Posting File
IFS - AIX Environment
AIX F-Secure
SON DPF UID/Pwsd FDGS
SON DPF D SON DPF 4240502140430.txt SITEYYMMDDHHMM.TXT Pswd PKWare Decryption
SON DPF Decrypted
SITE = 424 Agency = \496 - DMV \501 - DMV-A \502 - DMV-B \497 - Pre-Paid \498 - Taxation \500 - B&I
AGENCYYMMDDHHMM.ZIP (HHMM = same as FDGS File) \496\4960502140430.ZIP \497\4970502140430.ZIP \498\4980502140430.ZIP \500\5000502140430.ZIP
"Push" FTP FILE & E-Mail Notification *Each Agency can decide for either "Push/Pull" Once Encrypted the file extension will be .ZIP Agency Contact ZIP Encryption
Split File Process & Place in Destination
\501\5010502140430.ZIP \502\5020502140430.ZIP
State of Nevada - WAN BackBone
ZIP Password Provided by Agency
FTP UID/Pswd Provided by Agency State Agency E-Mail
DMV FTP Server
B&I FTP Server
Taxation FTP Server
Treasurer FTP Server
Future Agency FTP Server
Reconciliation Process
Customer
Agency- Pay-Point - Bank Detailed Reconciliation
ACH
Agency
Paypoint
Credit Card Processor
Agency Daily Transaction File
Roll-Up Totals By Created CR Document #
FD Daily Posting File
Match Transactions
Rolled up Transactions By Application
Agency Bank Account
Exception Items Advantage Daily Bank File
Agency Vs. FD Conf # Amt 3002 $32.00 4004 $44.00
Has TXN FD Agency
UserField Type 912 MC 919 AMEX
Exception
A gency A gency B ank B ank
D a ily P o s t e d F ile V s . B o f A D e po s it 1 /9/2004 $1 33.00 M /C 1 /9/2004 $ 21 5.00 A mex 1 /9/2004 1 /9/2004 $1 65.00 M /C $ 1 .00 A mex 71
8888 9999 8888 9999
Exception Processing
• E-Check (ACH) Returns • Credit Card Charge-Backs • Refunds/Voids
Costs to Agency
• FDGS Per Transaction Costs $0.20
(Price Decreases as Volume Increases)
• Bank Discount Costs
(% of Transaction Amount)
– – – – – – Visa 1.6% MasterCard 1.6% AMEX 2.4% Discover 1.9% Debit 1.4% Pin-less/Pin-Based Debit .65 per transaction
• Agency WEB Development Costs • Projected Cost Calculator (Available)
Processing Fees
• • • • • Fee/No Fees Flat Fee to All % MasterCard, AMEX & Discover Apply % to all Cards Separate from ACH
Time Line
• • • • • • • • • Make Decision (120 Hrs) Order Merchant Numbers (80 Hrs.) Complete FDGS Forms (16 Hrs.) Technical Read Integration Guide (40 Hrs.) Code to FDGS API’s (80 Hrs) Systems Testing (80 Hrs) QA Testing/FDGS Systems Test (80 Hrs) Soft Launch/FDGS QA $1.00 Limit (32 Hrs) Full Production (30 Min)
Information Required
• Transactions and Average Dollar amount per Year • Average Monthly Transaction Amount • Agency Bank Deposit Settlement Account • Business and Customer Support Contact Information • Merchant Numbers assigned
Decisions to be made
• Payment Methods • How to interface with FDGS
– WEB service call – HTTPS Page Post – Page POP
• Name to appear on Customers Financial Documents • ID the Super-User Administrator
More Decisions to be Made
• Number of Times to re-present ACH Items (In-Active at this Time) • Duplicate Payments identifier
– How many minutes – Same Payment Amount – Same Credential
State Standards
• Cut Off Time (2:30 PM PT) • FDGS Agency User Field Definition
1 – 200 (Agency use) 201 – 250 (Treasurer/Controller)
• Naming Standards – NV E-Tax • Agency Daily Posting File • Naming Standards for Customer Statements
Who Is Up & Coming
• • • • • Department of Motor Vehicles State Treasurer’s Pre-Paid Tuition Department of Taxation Public Utilities (Currently Testing) Nevada State Emergency Response Commission (Next Quarter)
Conclusion
• Thank You for Your Interest Today • Contact: Ismael Y. Hernandez, PMP
775.684.4949 – Work 206.499.9454 – Cell Ihernandez@dmv.state.nv.us
• Contact: Dave McTeer,
Dept of Administration, Chief Project Manager 775.687.9050 Dmcteer@govmail.state.nv.us