Elavon Payment Gateway back office

To access the back office, go to the login URL: https://portal.eu.convergepay.com

You will be presented with the login box:

Enter the email address that you used to register for an account.

Enter your password and select ‘Log In’ 

(This field is case sensitive) 

You’ll then be directed to another screen and asked to enter a 6-digit one-time passcode, as part of our secure login process using multi-factor authentication.

A one-time passcode will be delivered to the email address associated with your user account.

The email will come from noreply@elavon.com with the subject “Elavon Login Verification Code”.

The passcode is only valid for 15 minutes. If you do not use the passcode within this period, you’ll need to generate a new one.

If you do not receive an email with the passcode or the 15-minute period has expired, select ‘Send New Code’ to receive a new passcode.

Once you have entered your passcode, select ‘Submit’ to complete the login process

If you have forgotten your password, you can select ‘Forgot Password’ to request an email to your registered account to reset it:

You will see a message on the screen.

You will receive:

Select the ‘Reset Password’ button to be taken to a password reset screen where you can create a new password as per the secure password requirements:

Once you have reset your password, you’ll receive the following confirmation email: 

When you enter the back office, the Payments screen is displayed:

This is your home screen, and from here you can navigate to other areas of the back office via the menu on the left-hand side (according to your level of access). 

Your most recent transactions are displayed in a list format, showing: 

• The date and time of a transaction 
• The shopper name 
• The payment type and method
• The order number (if provided) 
• The status of the transaction
• The amount and currency of the transaction

2.1. Filtering transactions

Select the ‘Filters’ button on the ‘Transactions’ screen to narrow down your list of transactions according to one or more criteria. You can filter by: 

• Transaction status
• Transaction type (sales or refunds) 
• Payment method 
• Source (virtual terminal, hosted payment, direct API call, recurring, pay-by-link) 
• Channel (eCommerce, merchant initiated, mail order/telephone order, in person)

2.2. Searching transactions

You can use a free text search criteria to search for one or more transactions using the search option in the ‘Transactions’ screen – for example, entering the last four digits of a card number will return all transactions with that card number:

2.3. Reviewing individual transactions

Select a specific transaction in the list to view more details.

2.4. Cancelling a transaction

You can cancel a transaction, known as a void, if it is in an ‘Authorised’ or ‘Captured for Settlement’ status and has not yet been settled. To cancel a transaction: 

• Select on the transaction in the Transactions list to display the transaction details 
• Select ‘Actions’
• Select ‘Void’: 

Confirm that you wish to void the transaction by selecting ‘OK’: 

The status in the Transactions list will change to Voided.

2.5. Refunding a transaction

You can fully or partially refund a transaction if it is in a ‘Settled’ status. To refund a transaction: 

• Select on the settled transaction in the transactions list to display the transaction details
• Select ‘Actions’, then ‘Issue Refund’: 

Select ‘Process Refund’ to refund the full value of the transaction.

If you only wish to refund a partial amount of the total transaction value, click into the ‘Amount’ box and type the amount you wish to return to the customer.

At this stage you can also choose to email a refund receipt to the customer: 

A new transaction will appear in the Transactions table to show the refund with the status Captured for Settlement until the refund has been successfully settled.

2.6. Downloading transactions (reporting)

It is easy to download transaction data to a CSV file, which you can then import into your reporting tool or spreadsheet to perform reconciliation or further analysis. 

• Select the three vertical dots at the top right on the transactions table
• Select ‘Download to CSV’ to download the Transactions list (or a subset of transactions if you have already filtered the list): 

The maximum number of transactions that you can download is 1000 – if you do not apply a filter, the download will contain your 1000 most recent transactions. 

Select ‘OK’ to start the file download: 

• Open the CSV file in your preferred reporting tool.

• Select the ‘Settlements’ tab to display a list of all the batches of settled transactions on your account

• Click on an individual settlement in the list to display the transactions within that batch:

You may then view the individual transactions in a batch, filter the transaction list, and download those transactions in a CSV file for reporting, as previously detailed in the Managing Payments section.

You can process MOTO (Mail Order/Telephone Order) transactions directly in the back office using the Virtual Terminal. All MOTO transactions will appear in the transactions list and can be managed in the same way as your ecommerce transactions.

4.1. Process a New MOTO Transaction

Select the ‘Create Transaction’ button in the ‘Transactions’ screen to display the new transaction window:

Enter the transaction details into the required fields:

• Amount: enter the transaction total
• Currency: select the currency from the drop-down list if presented
• Action: select the action from the drop-down list: 
  • Capture for Settlement: use this option if you want to authorise the transaction and also send it to for settlement in the next batch
  • Authorise: use this option if you wish to only authorise the transaction and not send it for settlement – the transaction will need to be manually settled before the authorisation expires (typically 7 to 10 days after authorisation)
• Order number: a transaction order number (not mandatory, and can be auto generated)
• Payment details: card number, expiry date and security code · Email receipt: check the box to send a receipt to the customer’s email address
• More Options: customer billing and shipping address

The details entered are copied into the summary screen on the right-hand side to enable you to confirm the transaction details with the customer before you process the transaction. Select ‘Process Transaction’ to confirm. You will then see confirmation of the transaction result, either transaction successful or transaction declined:

The transaction can be declined by the gateway (for example blocked by one of your fraud rules) or declined by the card issuer.

Select ‘Done’ to return to the Transactions list where you will now see the new transaction.

4.2. Verifying a Card

You can use the Verify Card option in the virtual terminal to confirm the validity of a credit or debit card by checking the card number, expiry date, security code and AVS data. The result of the authorisation request is returned in real-time, either confirming a successful transaction, i.e., confirmation that the card details are valid or declining the authorisation. There is no check on available funds or the credit limit of the card, so it does not validate that funds are present or guarantee any future payments.

• If the card is valid, you will see the message 'Card Valid':
   

• Otherwise you will see the message 'Card not valid':
   

4.3. Processing a Dynamic Currency Conversion (DCC) MOTO transaction

If you have DCC enabled on your account you can offer your customers a choice of currencies to pay in, either the preferred currency of your business or, where it is different, the currency enabled by default on the customer’s card (typically the customer’s domestic and preferred currency).

Begin the MOTO payment as described in the previous section of this guide. When the card number is entered, a message will appear to let you know if the card if enabled for DCC and, if so, the currency selection available. In this instance United States Dollar (USD) has been presented, the currency of the shopper’s card, as an alternative currency option.

You must ask the shopper which currency they wish to pay in to complete the payment.

Once a currency has been selected, the blue button will update with the chosen currency – for example ‘Process in USD’.

Read the DCC Acceptance statement out loud to the shopper before selecting ‘Process Transaction’

4.4. Generate an order number

If you wish to auto-generate a unique order number, simply select the ‘Generate’ button to the right of the field and a unique reference will populate:

You can send a payment link to your shoppers to avoid asking them to share sensitive card information over the phone. The link can be sent via email, or you may copy and paste it into an email, direct social media message, SMS, or similar. The shopper will select on the link to complete a secure transaction directly on the hosted payment page.

5.1. Enabling Pay by Link

1. Select the ‘Settings’ option from the main menu

2. Go to ‘Pay-by-Link’

3. Set the Enable Pay-by-Link toggle to ‘Enabled’.

When disabled, the option to create payment links from the new transaction form is removed. Any outstanding and active payment links will remain active.

Optional: set a default link expiration if you want your payment link to expire within a specific timeframe – the default is 90 days.

Optional: set a default email subject line if you want all your pay-by-link emails to have the same email subject line. You are able to edit or replace the default subject line each time you generate a new pay-by-link email.

4. Select 'Save and Publish'.

You can also customise the look and feel of the Pay-by-Link email template on Hosted Payments Page settings.

5.2. Creating a Pay by Link transaction using the Converge email template

Select the ‘Create Transaction’ button in the top right-hand corner of the ‘Transactions’ screen to display the new transaction window:

Select ‘Pay-by-Link’

Select ‘Send link using the Elavon email template’ to send payment links via email directly from Elavon. Your default link expiry and email subject line settings will automatically be applied.

Select 'Send Email'

5.3. Generating a payment link

You can also generate a payment link URL which you can then paste into an SMS, add to social media, or paste into an invoice.

Enter the transaction details and select ‘Generate URL to Copy/Paste’.

Then select 'Generate Link'.
A confirmation box will appear, select ‘Copy Link’ to copy the link to your clipboard.

If you have user management rights, you will be able to create new users, and edit or deactivate existing users directly in the back office.

Select the ‘Users’ option from the main menu:

6.1. Create a new user

• Select the ‘Create User’ button:

Enter the new user credentials – the email address will need to be verified by the new user and will become their user name to log in:

Select the required Role from the roles available:

• Manager – can view, process, and refund transactions and configure fraud rules
• Sales Agent – can view and process transactions
• Admin – can view, create, delete transactions, and modify all other user accounts

For Manager and Sales Agent user roles, you'll need to assign one or more accounts to create them.

Select ‘Create User’ again. The new user will receive an email with a link to login for the first time

6.2. Edit an existing user

• From the list of users, select the user that you wish to modify, and select ‘Edit User’:
  

• You will have the option to edit the user’s name and their role, but it is not possible to change the email address as this is also their login ID.

When you have finished making changes, select ‘Save Changes’ to confirm:

6.3. Deactivate a user

If a user no longer requires access to the back office, you can deactivate their login.

From the list of users, select the user, select ‘Actions’ and select ‘Deactivate’:

Confirm that you wish to deactivate the user by selecting ‘OK’:

Depending on your level of access, you will be able to view your account and payment settings, change the look and feel of the hosted payment page, and activate and configure fraud rules.

Select ‘Settings’ from the main menu:

7.1. Account settings

Select ‘Account’ to view your current Account Settings:

The company information is captured at the time of account setup and is not editable. If you need to make any changes to this, please contact your Elavon account manager and/or customer support.

You may wish to upload your company logo to display it on your hosted payment page

Select  ‘Upload Image’:

Select and open the image file you’d like to use.

Your logo will now be displayed:

7.2. Email settings

Select ‘Email’ to view your email settings and preview your email.

You can configure the ‘Email Delivery’ settings to select when you want to automatically email your customers:

You can enter your own Refund Policy as per the example below, which will dynamically update in the Receipt Preview on the left:

• Toggle on BCC if you wish to send copies of sale and refund emails to different email addresses in blind copy. You can add up to 10 email addresses.

• Select Logo checkbox if you wish to display your company logo on the email:

7.3. Pay-by-link

Select ‘Pay-by-link’ to create a shareable link or Elavon-generated email that directs to your hosted payment page.

7.4. Payment settings

Select ‘Payments’ to configure the daily settlement time and set up currencies for MOTO transactions:

You may wish to 'Enable Apple Pay' to allow customers to use Apple Pay digital wallet payments.

You may wish to 'Enable Google Pay' to allow customers to use Google Pay digital wallet payments.

You can change the time to auto-settle your captured transactions by selecting a new value from the drop-down list:

You can add currencies that can be accepted for MOTO transactions in the virtual terminal, based on the set-up of your account with Elavon:

To add a currency, select a currency from the drop-down list and select ‘Add Currency’. Repeat for each currency you wish to add.

7.5. Hosted Payments page

Select ‘Hosted Payments Page’ to make changes to elements of the hosted payment page:

• You may wish to choose display company name on your payment form. This will display the logo you have already uploaded in Account Settings.
• Select which data fields you want to display on the hosted payment page:
• Select the button color to change the color of the header, header text and input fields in line with the design of your website. You can select from the pre-defined list or enter your own Hex code.
• Select the typeface from the drop-down list to set the font for your payment button.
• Select the button text from the drop-down list to set the name of your payment button.

Make sure you select 'Save and Publish' to save your changes.

7.6. Fraud prevention

The built-in fraud prevention tools allow you to define block lists and configure rules to help mitigate the risk of fraud.

Please be aware that if a fraud rule triggers on a transaction made using a non-card payment type, e.g., online banking, that the transaction will decline even if the rule result is set to Review. These transaction types cannot be held for review.

Select ‘Fraud Prevention Rules’ to access the Fraud Management rules – you will notice that some rules are active by default. You may choose which rules to use and configure according to your business requirements:

Enforce 3-D Secure authentication – if you believe you have a business requirement to disable/set this rule to inactive, please be aware your business will be liable in the event of a chargeback. To turn off 3DS2, deselect the rule.

Under the Second Payment Services Directive (PSD2) regulations, most ecommerce transactions throughout Europe will soon require Strong Customer Authentication (SCA). EMV 3DSecure is the industry standard method of providing SCA on card payments. By choosing to deactivate 3DS on your Converge account, you will be liable in the case of chargebacks raised by card issuers and at risk of having transactions declined by them. There may also be fines imposed by the card schemes (Visa and MasterCard) for excessive declined transactions.

Check for high risk billing country – use this rule to either Decline or Review (place in the Fraud Review transaction list) all countries added to the Blocklist. To define the Blocklist, select a country from the drop-down list and select ‘Add to Blocklist’. Repeat for each country you wish to block:

Select the country to block and click ‘Add’ – repeat for each country you wish to block then click ‘Apply’.

• To remove a country from the Blocklist, click the delete icon corresponding to the country and confirm your selection:

From the Rule Definition drop down, decide whether you wish to ‘Decline’ or ‘Review’ transactions where the Billing Country is in the Blocklist

• Remember to save your changes

Limit card use frequency – use this rule to either Decline or Review transactions where the same card has been used (with this merchant account) more than a specified number of times within a specified number of hours – define the rule and enter your required values for the ‘max transaction frequency’ and the ‘time frame’:

When processing any type of transaction, you always need to be aware of the potential risks of fraud, and what you can do to prevent it. We've created a guide that covers the various tools available in EPG to help reduce the risk of payments fraud to your business, access the guide here.

Please note that if a fraud rule triggers on a transaction made using a non-card payment type, such as BLIK or online banking, that the transaction will decline even if the rule result is set to Review. These transaction types cannot be held for review.

You can create customer profiles and securely store credit and debit card details to make it easier for repeat shoppers to pay for goods and services online, over the telephone, or automatically via a scheduled payment.

10.1. Creating a Customer

• Select the ‘Customers’ option from the main menu

Select ‘Create Customer’

•  Enter the customer details and select ‘Create Customer’:

10.2. Viewing Customer Activity

Select the ‘Customers’ option from the main menu and then select a customer profile to view the customer details, along with:

• Wallet type stored against the customer profile
• Active and cancelled subscriptions
• Customer transaction history

10.3. Storing Card Details

Select a customer profile, then go to ‘Actions’ and select ‘Add payment method’.

You can choose to capture the card details only, or the card details and the billing address:

Select ‘Add to Profile’

You'll see a success message.

10.4. Deleting a Customer

To delete a customer record, along with any stored cards, select a customer profile, select ‘Delete Customer’ from ‘Actions’ drop-down list:

To confirm that you wish to delete the customer, select 'Yes':

10.5. Processing a Transaction against a Stored Customer

• Select a customer profile and select ‘Create Transaction’ from the ‘Actions’ drop-down list:

• Enter the transaction details and select the stored card to use:

• Select ‘Process Transaction'

By selecting the ‘Payments’ option from the main menu, you will be able to create:

• Subscriptions – subscriptions periodically and automatically charge a customer’s credit or debit card and are created by applying a subscription plan to a customer with a card stored in their profile
• Plans – plans are the templates that you create and apply when you create a new subscription

11.1. Creating a Plan

• Select 'Create Plan'

• Plan name
• Subscription amount and currency
• Optional introductory rate – this will allow you to specify a different amount for the initial subscription payment(s) e.g., if you wish to offer an initial discounted rate
• Billing frequency – daily, weekly, monthly, or yearly
• Plan end date – you may configure the plan to end after a specific number of billing periods, when cancelled, or on a date specified within an individual subscription

Select ‘Create Plan’ and you will see your plan marked as Active in the plan list:

• You may now add subscriptions to your plan

11.2. Creating a Subscription

Select 'Create Subscription' and complete the details by assigning the relevant plan, the first payment date, and the customer it relates to:

Select 'Create Subscription'.

The new subscription will be displayed in the Subscription list, showing:

• Next bill due
• Customer name
• Email
• Plan
• Status
• Alert
• Next payment

At the top of the screen, you’ll see a summary showing you whether a subscription is active, in a final billing period, and if a card is due to expire or has expired.

It is also possible to create a new subscription directly from the customer profile screen.

11.3. Cancelling a Subscription

Select the Subscriptions option from the left-hand menu and locate the subscription you wish to cancel:

Select 'Cancel Subscription' from the 'Actions' menu:

Select 'Yes' to confirm:

11.4. Deleting a Plan

• Select the ‘Payments’ option from the main menu
• Go to ‘Plans’ and select the plan you wish to delete
• Select ‘Delete plan’ from Actions’ drop-down list:

Select ‘Yes’ to confirm. Note that plans with active subscriptions cannot be deleted:

11.5. Locking a Plan

• Select the ‘Recurring’ option from the main menu 
• Select ‘Plans’ and choose the plan you wish to lock.
• Select ‘Lock Plan’ from ‘Actions’ drop-down list:

• Select ‘OK’ to confirm. Locking a plan (as opposed to deleting it) will allow active subscriptions to continue and the plan can be unlocked for new subscriptions at any time:

Select the user icon in the top right-hand corner of the screen and select ‘Logout’ from the drop-down menu: