DebtRecoup

Payment Processors ​

Payment Processors configuration allows administrators to set up and manage the various payment processing methods and gateways used by DebtRecoup. This ensures secure, compliant payment processing across all channels.

Payment Processors Configuration
Click to enlarge - Payment processor setup and management interface

Accessing Payment Processors ​

  1. Click the settings icon in the top navigation bar
  2. Select Payments from the left sidebar
  3. Click on Processors

Processor Types ​

ACH Processors ​

Supported Providers

  • CheckGateway
  • PaymentVision
  • Vantiv
  • First Data
  • Custom API

Configuration Requirements

  • Merchant ID
  • API Keys
  • Routing validation
  • Return handling
  • Settlement timing

Credit Card Processors ​

Supported Gateways

  • Authorize.Net
  • PayPal Payflow
  • Stripe
  • Square
  • Worldpay

Setup Requirements

  • Merchant Account
  • Gateway Credentials
  • PCI Compliance
  • Tokenization
  • Fee structure

Check Processing ​

Check 21 Providers

  • CrossCheck
  • Certegy
  • TeleCheck
  • RDM
  • Custom integration

Features

  • Check verification
  • Guarantee services
  • Electronic deposit
  • Return handling

Adding a Processor ​

Basic Configuration ​

  1. Click Add Processor
  2. Select processor type
  3. Enter configuration:

General Settings

  • Processor Name
  • Display Name
  • Description
  • Active Status
  • Default for Type

Credentials

  • Merchant ID
  • Username/API Key
  • Password/Secret
  • Terminal ID
  • Test Mode

Advanced Settings

  • API Endpoint
  • Timeout Settings
  • Retry Attempts
  • Batch Timing
  • Custom Headers

Testing Configuration ​

Always Test First

Use test credentials to verify configuration before enabling production processing.

  1. Enable test mode
  2. Process test transaction
  3. Verify response
  4. Check settlement
  5. Switch to production

Processor Settings ​

Transaction Limits ​

Set limits by:

Amount Limits

Minimum Transaction: $5.00
Maximum Transaction: $10,000.00
Daily Limit: $50,000.00
Monthly Limit: $500,000.00

Velocity Controls

Max Transactions/Day: 500
Max per Account/Day: 2
Max per Card/Month: 5
Duplicate Window: 5 minutes

Fee Configuration ​

Processing Fees

  • Percentage rate
  • Transaction fee
  • Monthly minimum
  • Batch fees
  • Return fees

Fee Handling

  • Add to payment amount
  • Deduct from payment
  • Bill separately
  • Absorb fees

Risk Management ​

Fraud Prevention

  • AVS verification
  • CVV requirement
  • Velocity checking
  • Blacklist management
  • IP restrictions

Decline Handling

  • Retry logic
  • Alternative processors
  • Decline codes
  • Customer messaging

ACH Configuration ​

NACHA Compliance ​

SEC Codes

  • PPD (Personal)
  • CCD (Corporate)
  • WEB (Internet)
  • TEL (Telephone)
  • ARC (Check conversion)

Authorization Requirements

  • Written authorization
  • Recorded verbal
  • Web form capture
  • Retention period

ACH Validation ​

Account Verification

  • Routing number check
  • Account validation
  • Micro-deposits
  • Instant verification
  • NOC handling

Return Processing

  • Return codes
  • Auto-retry rules
  • Fee assessment
  • Status updates
  • Notification

Credit Card Setup ​

PCI Compliance ​

Security Requirements

  • SSL encryption
  • Tokenization
  • No card storage
  • Secure transmission
  • Access controls

Compliance Features

  • PCI scanning
  • Vulnerability tests
  • Security training
  • Incident response
  • Annual attestation

Card Features ​

Supported Types

  • Visa
  • Mastercard
  • Discover
  • American Express
  • Debit cards

Transaction Types

  • Authorization only
  • Sale (Auth + Capture)
  • Refund
  • Void
  • Recurring

Check Processing Setup ​

Check 21 Configuration ​

Image Requirements

  • Front image capture
  • Back endorsement
  • Image quality
  • File format
  • Compression

Deposit Options

  • Same-day deposit
  • Next-day deposit
  • Electronic submission
  • Physical deposit

Verification Services ​

Identity Verification

  • Driver's license
  • State ID
  • Check history
  • Account status

Risk Assessment

  • Check approval
  • Guarantee limits
  • Decline reasons
  • Override options

Multi-Processor Setup ​

Load Balancing ​

Distribute transactions:

Primary Processor: 70%
Secondary Processor: 20%
Backup Processor: 10%

Failover Configuration ​

Automatic switching:

  1. Primary fails
  2. Route to secondary
  3. Log failure
  4. Retry primary later
  5. Alert administrators

Smart Routing ​

Route based on:

  • Payment amount
  • Payment method
  • Geographic location
  • Processor fees
  • Success rates

Integration Settings ​

API Configuration ​

RESTful APIs

json
{
  "endpoint": "https://api.processor.com/v2",
  "auth_type": "bearer",
  "timeout": 30,
  "retry_count": 3
}

Webhook Setup

  • Payment notifications
  • Status updates
  • Return alerts
  • Batch confirmations

Response Handling ​

Success Responses

  • Parse confirmation
  • Store reference
  • Update account
  • Calculate fees

Error Handling

  • Log errors
  • Retry logic
  • Fallback options
  • User messaging

Reporting Integration ​

Settlement Reports ​

Daily Settlement

  • Transaction list
  • Batch totals
  • Fee breakdown
  • Net deposits

Reconciliation

  • Match transactions
  • Identify discrepancies
  • Balance accounts
  • Exception reports

Analytics ​

Track metrics:

  • Approval rates
  • Decline reasons
  • Processing time
  • Fee analysis
  • Processor performance

Maintenance ​

Regular Tasks ​

Daily Checks

  • Connection status
  • Error rates
  • Settlement files
  • Return processing

Monthly Review

  • Fee analysis
  • Performance metrics
  • Security updates
  • Compliance check

Updates and Changes ​

Processor Updates

  • API version changes
  • Security patches
  • Feature additions
  • Requirement changes

Testing Protocol

  1. Review changes
  2. Update test environment
  3. Validate functionality
  4. Schedule production update
  5. Monitor after deployment

Troubleshooting ​

Connection Issues ​

Timeout Errors

  • Check network
  • Verify endpoints
  • Review firewall
  • Increase timeout

Authentication Failures

  • Verify credentials
  • Check IP whitelist
  • Review permissions
  • Reset passwords

Transaction Failures ​

Decline Analysis

  • Review decline codes
  • Check limits
  • Verify data
  • Contact processor

Settlement Issues

  • Check batch status
  • Verify cut-off times
  • Review exceptions
  • Contact support

Security Best Practices ​

Credential Management ​

  • Rotate API keys quarterly
  • Use strong passwords
  • Limit access
  • Audit usage
  • Secure storage

Monitoring ​

  • Real-time alerts
  • Unusual activity
  • Failed attempts
  • High-value transactions
  • After-hours processing

Compliance ​

  • Regular audits
  • Security scans
  • Documentation updates
  • Training records
  • Incident procedures

DebtRecoup is a product of Global SaaS Group.

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