The inRESONANCE Payment Service is available for all our Web Services products that accept payments: PWS, SBWS, SFO, BillPay, and GWS. We support EFT/e-check as well as credit card processing. Whatever Provider you select will be enabled for all of your Web Services products.
There are Three payment options for your families that can be configured on a module-by-module basis. They are:
- Option 1: EFT/e-check only (if supported by the gateway vendor)
- Option 2: Credit card only
- Option 3: Credit card and e-check
Additionally, the latest release of School Forms Online (SFO) allows you to select payment options on a form-by-form basis. For example, a tuition deposit form could be set to accept only e-checks to mitigate the cost of credit card processing fees.
If you have enabled credit card processing only via your gateway vendor or you have chosen a vendor that doesn’t support e-checks, all modules will utilize the credit card option only.
Merchant Service Provider and Gateway Provider
You will need both a Merchant Service Provider (MSP) and a Gateway Provider in order to accept and process credit card payments online.
The two functions are:
- Merchant Services Provider (MSP): The MSP uses the credit card system to move money from an individual to your organization.
- Gateway Provider: The Gateway verifies the credit card and brokers the data between our software and your MSP.
In some cases, these two functions (MSP and Gateway) are managed by a single provider. Your Gateway Provider may help you set up your Merchant Services Account.
Credit Cards
At this time, inRESONANCE is configured to work with four Gateway Providers for credit card processing. They are:
- DiamondMind: http://www.diamondmindinc.com ; DiamondMind is part of the Community Brands family. Please contact your iR sales person directly, or contact us at [email protected] and we will connect you with your DiamondMind representative.
- Moneris: https://www.moneris.com/ We have a longstanding relationship with Moneris. Contact Eric Seaberg, [email protected], 1-866-319-7450
- Authorize.net: (Gateway only, requires MSP) – www.authorize.net/support; [email protected]; 877-447-3938
- WorldPay: www.worldpay.com; [email protected]
Please note that you must choose one of the Payment Gateways listed above. We cannot connect our payment API to a Payment Gateway for which we do not have a existing relationship.
If you have a pre-existing relationship with an MSP other than DiamondMind, WorldPay, or Moneris, you will need to contact your MSP and determine if they support Authorize.net. If your MSP does not support this gateway, our Payment Services cannot use it.
When we set up your Payment Gateway you will need a valid credit card with which to test your account. This is a charge of $1.00 and will be refunded to you from your provider.
Please contact [email protected] with any questions you may have.
Electronic Funds Transfer (EFT)
Our Payment Service can be configured to accept e-checks, also known as Electronic Funds Transfer (EFT) or ACH Debit.
If you wish to accept EFT, you must contact your MSP/Gateway Provider to make sure your account is set up to accept EFT.
The following MSP/Gateway Providers can be used to accept EFT:
- Moneris (U.S. checking accounts only)
- DiamondMind (may have limitations)
- Authorize.net (may have limitations)
Setting Up Your Merchant Service Provider and Gateway Accounts
Allow ample time (at least one month) to establish your account with your Gateway Provider and Merchant Service Provider.
Contact your preferred Gateway Provider to begin the account process. The Gateway Provider will assist the school in setting up a Merchant Account.
Once we deliver the files to you, you may need to provide your MSP with a test account and credentials so that they can log in and verify that our web services are configured according to their security needs.
When we have delivered your files to you and you have received your account credentials from your MSP (in the example Moneris below), you will need to provide us with your account credentials so that we can enter them for your Web Services product(s).
Sample Account Letter From Moneris
(This is an example of the letter you will receive from Moneris with your account information. Keep the information from your MSP in a secure location.)
Dear Valued Merchant and Customer,
Thank you for choosing Moneris Solutions’ eSELECTplus payment-processing solution.
The following information is required to activate the eSELECTplus service:
Merchant Information
Merchant Name : YOUR SCHOOL NAME
Moneris Merchant ID: 295339787654
eSelect plus Store ID: monus11212
NOTE: For security purposes, your API Token will never be sent to you with your account information. If your MSP requires an API Token, you may have to request it from your MSP by telephone or via the MSP’s website.