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PAX S900, User Manual

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PAX S900 User Manual Download Page 24

www.firstpaymentmerchantservices.co.uk 

23

 

16 

Tear  off  the  receipt  (after  printing  has  completed)  from  the  S900 

terminal and press the 

 key on the keypad to continue. 

17 

The cardholder receipt will then begin printing and can be torn off once 
printing has completed. 

18 

The  payment  processing  procedure  is  now  complete  and  axept®  S900 
will return to the main menu. 

Summary of Contents for S900

Page 1: ......

Page 2: ...ctless Sale 24 5 Processing a Chip and PIN Refund 28 6 Processing a Contactless Refund 31 7 Declined Transactions 34 8 Voiced Referred Transactions 36 9 Processing a Cardholder Not Present CNP Sale 38 9 1 Cardholder Not Present CNP Results 42 10 Processing a Cardholder Not Present CNP Refund 43 11 Reprinting Receipts 47 12 The Terminal 49 12 1 Reports 49 Available Reports 50 12 2 Supervisor 51 Net...

Page 3: ...www firstpaymentmerchantservices co uk 2 13 Useful Information 77 13 1 Key Map Alpha Characters 77 13 2 Glossary 78 Contact Information 81 ...

Page 4: ...y as possible whilst providing valuable reporting and other functionality This user guide is designed to provide users of S900 with everything needed to set up register and process transactions Should you have any queries on anything in this guide please do not hesitate to contact First Payments customer support team using the details on page 81 ...

Page 5: ... 4 1 INITIAL SETUP Before starting to use the S900 please take a few moments to check the contents of the box you should have received the following S900 Terminal External AC Power Adapter External AC Power Cable Thermal Paper Roll Battery ...

Page 6: ...www firstpaymentmerchantservices co uk 5 1 1 Terminal Overview An overview of the S900 terminal ...

Page 7: ...www firstpaymentmerchantservices co uk 6 1 2 Screen Overview An overview of the S900 screen ...

Page 8: ...net connection present GPRS signal indicator Wi Fi signal indicator Flight mode enabled Transaction data stored on the terminal not displayed once data uploaded Terminal configuration download update required Confirmation option Cancel option Ready for card Chip and PIN Contactless or Swipe Green contactless LED blinks when idle incrementally lights up if card is being read Contactless LED unable ...

Page 9: ...can Express ExpressPay Discover DPAS ISO IEC 14443 Type A B Mifare Felica NFC Communication GPRS 3G WCDMA EVDO Wi Fi Peripheral Ports 1 x Mini USB 1 x RS232 1 x power charge 1 x base interface Printer Fast thermal printer 18 LPS or faster depending on font size Paper roll width diameter 58mm 38mm Audio Speaker 90dB Battery Li ion batteries 1850mAh 7 4V Voltage Input 100 240VAC 0 3A 50Hz 60Hz Outpu...

Page 10: ...osed and close the cover 03 To insert the battery turn the S900 terminal over so the battery cover latch is visible Pull the latch down and towards you and carefully remove the battery cover away from the terminal 04 Place the battery into the battery compartment making sure the contact points of the battery align with the connectors of the terminal as highlighted 05 Once the battery is in place c...

Page 11: ...you and carefully remove the battery cover away from the terminal 02 If the battery is already in place remove the battery from the terminal by gently lifting the battery away from the terminal 03 Slide in the direction indicated to open the SIM card latch and place the SIM card in the slot making sure the contacts of the terminal match the contacts of the SIM 04 Place the new SIM card in the slot...

Page 12: ...he following steps describes the process for configuring the Wi Fi Network Settings 01 Once the loading process is complete the Network Configuration menu will appear Highlight WIFI using the and keys on the keypad and press the key on the keypad to continue 02 S900 will ask if manual configuration of Wi Fi settings is required Press the key on the keypad to manually configure the settings or the ...

Page 13: ...nd keys on the keypad select the network required and press the key on the keypad to continue 03 Enter the Wi Fi password To use alpha characters press the numeric key containing the alpha character required multiple times until it is displayed Press the key on the keypad to continue 04 900 supports Dynamic Host Configuration Protocol DHCP which automatically obtains all network settings To use DH...

Page 14: ...t S900 will return to the Select Networking Type screen INFO First Payments Merchant Services recommends that the Wi Fi network used is secure and requires authentication as this will adhere to PCI DSS guidelines axept S900 supports WPA2 PSK encryption WPA2 PSK is a method of securing your network using WPA2 with the use of the Pre Shared Key PSK authentication axept S900 supports the use of the 8...

Page 15: ...lpha character required multiple times until it is displayed Press the key on the keypad to continue 02 and keys on the keypad to highlight the network security Use the type required Press the key on the keypad to continue 03 Enter the Wi Fi password To use alpha characters press the numeric key containing the alpha character required multiple times until it is displayed Press the key on the keypa...

Page 16: ...d 07 If all the settings are valid a confirmation that the network configuration has successfully completed will briefly be displayed S900 will return to the Select Networking Type screen INFO First Payments Merchant Services recommends that the Wi Fi network used is secure and requires authentication as this will adhere to PCI DSS guidelines axept S900 supports WPA2 PSK encryption WPA2 PSK is a m...

Page 17: ...e S900 using the procedure outlined below 01 Once the loading process is complete the Network Configuration menu will appear Highlight GPRS using the and keys on the keypad and press the key on the keypad to continue 02 Please wait whilst the connection is validated 03 S900 confirms that the GPRS network configuration is successfully completed ...

Page 18: ...ill prompt for the entry of the Department ID key Enter the Department ID sent to you using the keypad and press the on the keypad to continue 02 key on the Enter the User ID sent to you using the keypad and press the keypad to continue 03 key on the Enter the password sent to you the keypad and press the keypad to continue 04 Please wait whilst S900 processes the log on details ...

Page 19: ... during logon as shown below If this is still the correct Department ID press the key on the keypad to continue If the Department ID needs to be changed press the key on the keypad and enter the new Department ID Once entered press the key on the keypad to continue 05 Once the log on has been completed the main menu will be displayed ...

Page 20: ...card into with the Chip of the card on top facing towards you into the Chip and PIN card slot at the base of the terminal 02 Enter the amount of the sale using the keypad S900 will automatically enter the decimal place for you Press the key on the keypad to continue 03 If required enter the reference for the transaction If a reference is not needed press the key on the keypad to skip To use alpha ...

Page 21: ...ing towards you into the Chip and PIN card slot at the base of the terminal 06 Once the card is inserted S900 will process the card Please wait and do not remove the card whilst this is in progress 07 Press the key on the keypad to confirm cashback is required or the key on the keypad to skip Only Merchants offering cashback and have this option setup will have the cashback facility Skip to step 1...

Page 22: ...amount of the sale and cashback will be displayed Press the key on the keypad to confirm the amount is correct or press the the keypad to cancel 10 On the Enter PIN screen pass the S900 terminal to the cardholder and ask them to enter their PIN After the PIN has been keyed in the cardholder will then need to press the key on the keypad to continue 11 S900 will provide a PIN OK confirmation if the ...

Page 23: ...rise the transaction with your chosen acquirer 13 S900 will confirm that the payment is complete if authorisation is successful 14 Once the payment is complete S900 will prompt for the card to be removed 15 Once the card is removed the Merchant Receipt will begin printing ...

Page 24: ...ing has completed from the S900 terminal and press the key on the keypad to continue 17 The cardholder receipt will then begin printing and can be torn off once printing has completed 18 The payment processing procedure is now complete and axept S900 will return to the main menu ...

Page 25: ...tactless payment sale 01 From the main menu select option 1 Sale Press the key on the keypad 02 Enter the amount of the sale using the keypad axept S900 will automatically enter the decimal place for you Press the key on the keypad to continue 03 If required enter the reference for the transaction If a reference is not needed press the key on the keypad to skip To use alpha characters press the nu...

Page 26: ...he screen area of the terminal for a few seconds until a beep sound confirms the card has been read the green contactless LEDs will incrementally light up as the card is being read 06 The Card Read OK message will be displayed momentarily to confirm the card has been successfully read 07 S900 will attempt to authorise the transaction with your chosen acquirer ...

Page 27: ...e if authorisation is successful 09 The Merchant Receipt will begin printing 10 Tear off the receipt after printing has completed from the S900 terminal and press the key on the keypad to continue 11 The payment processing procedure is now complete and axept S900 will return to the main menu ...

Page 28: ...uired The following steps describe the process for printing a customer cardholder copy of the receipt for contactless transactions 01 To print a customer cardholder copy of the receipt from the main menu select option 4 Reprint Press the key on the keypad 02 From the Reprint menu select option 2 Customer Copy Press the key on the keypad 03 The cardholder receipt will then begin printing and can be...

Page 29: ...From the main menu select option 2 Refund Press the key on the keypad 02 Enter the amount of the refund using the keypad S900 will automatically enter the decimal place for you Press the key on the keypad to continue 03 If required enter the reference for the transaction If a reference is not needed press the key on the keypad to skip To use alpha characters press the numeric key containing the al...

Page 30: ...of the card on top facing towards you into the Chip and PIN card slot at the base of the terminal 06 As the refund is verified by validating the cardholder s signature the card needs to be removed from the terminal The transaction will continue once the card is removed 07 S900 will attempt to authorise and process the refund ...

Page 31: ...dholder has signed the receipt check that it matches the signature on the back of the card If it matches press the key on the keypad to continue If not press the key on the keypad to cancel 10 If the signature is confirmed as valid S900 will begin to print the cardholder s refund receipt Tear off the receipt after printing has completed 11 The refund procedure is now complete and S900 will return ...

Page 32: ...ess enabled card or device 01 From the main menu select option 2 Refund Press the key on the keypad 02 Enter the amount of the refund using the keypad S900 will automatically enter the decimal place for you Press the key on the keypad to continue 03 If required enter the reference for the transaction If a reference is not needed press the key on the keypad to skip To use alpha characters press the...

Page 33: ...e around the screen area of the terminal for a few seconds until a beep sound confirms the card has been read the green contactless LEDs will incrementally light up as the card is being read 06 The Card Read OK message will be displayed momentarily to confirm the card has been successfully read 07 S900 will attempt to authorise and process the refund ...

Page 34: ...The merchant receipt will then be printed A cardholder signature is not required on a refund using contactless 10 Tear off the receipt after printing has completed from the S900 terminal and press the key on the keypad to continue 11 The refund procedure is now complete and axept S900 will return to the main menu ...

Page 35: ...clined such as lack of funds in the cardholder s account or that the card may have been reported as stolen The below shows the screens that will appear during a declined transaction 01 In this example S900 displays the Not Authorised message meaning the acquirer has not been able to authorise the transaction 02 S900 will prompt for the card to be removed 03 S900 will then print both the Merchant s...

Page 36: ...www firstpaymentmerchantservices co uk 35 04 S900 will prompt for the card to be presented again ...

Page 37: ...he referral providing you with all of the information that will be requested 01 Once the referral result has been received axept S900 will request that the card is removed 02 S900 will display a summary of the referral details Once the Authorisation Centre has been contacted and the details provided press the key on the keypad to continue 03 key on the keypad to If the acquirer gives authorisation...

Page 38: ...quire the Authorisation Code to be entered To use alpha characters press the numeric key containing the alpha character required multiple times until it is displayed Press the key on the keypad to continue 05 axept S900 will then print both the Merchant s and Cardholder s ...

Page 39: ...ssible S900 will require the entry of the Card Security Code CSC House Number and Post Code AVS The process for these transactions are detailed below 01 From the main menu select option 3 Other Transactions Press the key on the keypad 02 Select the type of order that is being processed This example will use Mail Order but the process is the same no matter which option is selected Select option 1 M...

Page 40: ... the keypad to skip To use alpha characters press the numeric key containing the alpha character required multiple times until it is displayed Press the key on the keypad to continue 06 S900 will prompt for the card number PAN key on the keypad to Enter the card number no spaces and press the continue 07 S900 will prompt for the card s expiry date 2 digit Month and Year The slash is automatically ...

Page 41: ...e 09 Enter the House Number of the cardholder s billing address and press the key on the keypad to continue key on the keypad to skip if you do not wish to Alternatively press the validate the information 10 Enter the numbers of the Post Code in the cardholder s billing address and press the key on the keypad to continue key on the keypad to skip if you do not wish to Alternatively press the valid...

Page 42: ...wn of what the result symbols mean 13 The Merchant s Approved or Declined receipt will begin printing depending on whether the transaction was approved or rejected 14 key on the keypad Tear off the receipt from the terminal and press the to continue 15 The Cardholder s Approved or Declined receipt will begin printing based on whether the transaction was approved or rejected and can be torn off onc...

Page 43: ... This allows the accept or reject decision to be made by the user with all the required information The results are displayed using a symbol to portray the result of each check Below are the symbols you may encounter and their meaning 16 The payment processing procedure is now complete and S900 will return to the main menu Data Matched Data Partially Matched Data Not Checked Data Does Not Match ...

Page 44: ...on 3 Other Transactions Press the key on the keypad 02 Select the type of order that is being processed This example will use Mail Order but the process is the same no matter which option is selected Select option 1 Mail Order Press the key on the keypad 03 Select option 2 Mail Order Refund Press the key on the keypad 04 Enter the amount of the refund using the keypad S900 will automatically enter...

Page 45: ...ed multiple times until it is displayed Press the key on the keypad to continue 06 S900 will prompt for the card number PAN key on the keypad to Enter the card number no spaces and press the continue 07 S900 will prompt for the card s expiry date 2 digit Month and Year The is automatically entered by axept S900 Enter the card s expiry date and press the key on the keypad to continue 08 S900 will a...

Page 46: ...his is shown on screen as not checked Press the key on the keypad to continue 10 S900 will begin to print the Merchant s Refund Receipt 11 key on the keypad Tear off the receipt from the terminal and press the to continue 12 The cardholder s refund receipt will then begin printing and can be torn off once printing has completed ...

Page 47: ...www firstpaymentmerchantservices co uk 46 13 The Cardholder Not Present CNP refund processing procedure is now complete and S900 will return to the main menu ...

Page 48: ... for the receipts to be printed again after the transaction The following demonstrates how to reprint additional receipts 01 From the main menu select option 4 Reprint Press the key on the keypad 02 Select whether an additional Merchant or Customer receipt is required by pressing for Merchant or for Customer 03 The receipt will begin printing once a selection has been made DUPLICATE RECEIPT will b...

Page 49: ...ces co uk 48 04 Once printing has completed please tear off the receipt and press the key on the keypad to continue 05 key to return to the main S900 will return to the reprint menu You can reprint another receipt or press the menu ...

Page 50: ...e functions and settings available 12 1 Reports A number of default reports are available to allow reconciliation to be performed via the terminal 01 To access the reports from the main menu select option 5 Menu Press the key on the keypad 02 To display the available reports select option 1 Reports Press the key on the keypad 03 Press the corresponding number key 1 6 on the keypad for the required...

Page 51: ...processed during the Current Shift Running this report provides a total for the shift and will clear down the totals Current Day Report Report which provides totals of the transactions processed during the Current Day Running this report provides a running total and does not clear down the totals End of Day Report Report which provides totals of the transactions processed during the Current Day Ru...

Page 52: ...to the chosen network s during the installation However should these details need to be updated e g Network updated this can be reconfigured within the Network Settings menu If S900 has been installed with both Wi Fi and GPRS settings for both communication modules are included 01 From the main menu select option 5 Menu Press the key on the keypad 02 To display the Supervisor menu select option 2 ...

Page 53: ... press the keys on the keypad or press the key on the keypad to continue 02 S900 will prompt if manual configuration of Wi Fi settings is required Press the key on the keypad to automatically configure the settings Please see section 1 6 1 2 to manually configure Wi Fi settings 03 S900 scans for available Wi Fi networks 04 Select the communication method which you wish to re configure using the an...

Page 54: ...the Wi Fi password To use alpha characters press the numeric key containing the alpha character required multiple times until it is displayed Press the key on the keypad to continue 06 axept S900 supports Dynamic Host Configuration Protocol DHCP which automatically obtains all network settings To use this service press the key on the keypad to continue 07 Please wait whilst the connection is valid...

Page 55: ...tings INFO First Payments Merchant Services recommends that the Wi Fi network used is secure and requires authentication as this will adhere to PCI DSS guidelines axept S900 supports WPA2 PSK encryption WPA2 PSK is a method of securing your network using WPA2 with the use of the Pre Shared Key PSK authentication axept S900 supports the use of the 802 11 B G N 2 4GHz Wi Fi Bands ...

Page 56: ...onnection using a fixed IP rather than DHCP follows the same flow as the previous section 12 2 1 1 until step 6 01 To use a fixed IP rather than DHCP press the key 02 Enter the IP address To enter a dot press the key twice on the keypad 03 Enter the subnet mask for the network 04 Enter the Gateway for the network ...

Page 57: ...the IP address for the Preferred DNS server 06 Enter the IP address for the Alternative DNS server 07 axept S900 confirms that the network configuration is successfully completed 08 axept S900 will automatically restart to configure the network settings ...

Page 58: ... use of the Pre Shared Key PSK authentication axept S900 supports the use of the 802 11 B G N 2 4GHz Wi Fi Bands 12 2 1 3 GPRS To reconfigure or add a GPRS connection configure the S900 using the procedure outlined below 01 From the Network Settings menu highlight GPRS using the and key on the keypad and press the keys on the keypad or press the key on the keypad to continue 02 Please wait whilst ...

Page 59: ... menu highlight Reset Network Settings using the and keys on the keypad or press the key on the keypad and press the key on the keypad to continue 02 S900 will ask for confirmation that you want to reset the network settings Press the key on the keypad to confirm 03 The network settings will be cleared and axept S900 will return to the network settings menu Once the terminal is restarted the netwo...

Page 60: ...t option 5 Menu Press the key on the keypad 02 From the Terminal menu select option 2 Supervisor Press the key on the keypad 03 To set the Date or Time on the terminal select option 2 Date Time Settings Press the key on the keypad 04 To set the Date select option 1 Set Date or to set the Time select option 2 Set Time Press the key to set Date or key to set Time on the keypad ...

Page 61: ... enter the time using the keypad in the format HH MM SS Hours Minutes Seconds for example 15 30 45 axept S900 will automatically enter the colon for you key on the keypad to clear the previous value the key Press the to confirm or the key to cancel the changes INFO Please be careful when setting the date and time as an incorrect date and or time may affect transactions being processed correctly 12...

Page 62: ...ightness Press the key on the keypad 05 The current brightness level will be displayed To change the brightness level select the Clear key Press the key on the keypad to clear the current brightness level and enter the required brightness level using the keypad Please note that the brightness level range is between 1 Dim and 10 Bright Press the key on the keypad to confirm or the key to cancel the...

Page 63: ...nal this feature will only work if a previous software version is stored on the terminal The following describes the process of using Software Rollback 01 From the main menu select option 5 Menu Press the key on the keypad 02 From the Terminal menu select option 2 Supervisor Press the key on the keypad 03 To use Software Rollback select option 4 Software Rollback Press the key on the keypad ...

Page 64: ...onfirmed S900 will start to perform the backup process Please be patient as this may take several minutes 06 Once the backup process is complete S900 will start to perform the software rollback Please be patient as this may take several minutes 07 Once the rollback process is complete S900 will display Complete and the terminal will restart 12 3 5 Diagnostic Receipts This feature is currently not ...

Page 65: ...ibes the process to enable disable Flight Mode 12 2 6 1 Enable Flight Mode The following describes the process to enable Flight Mode 01 From the main menu select option 5 Menu Press the key on the keypad 02 From the Terminal menu select option 2 Supervisor Press the key on the keypad 03 To enter Flight Mode settings select option 6 Flight Mode Press the key on the keypad ...

Page 66: ... keypad 05 S900 will ask for confirmation that you want to enable Flight Mode Press the key on the keypad to confirm or the key to cancel 06 S900 will confirm Flight Mode is enabled and the terminal will restart INFO The Flight Mode icon will be displayed on the status bar to indicate Flight Mode is enabled ...

Page 67: ...ght Mode 01 From the main menu select option 5 Menu Press the key on the keypad 02 From the Terminal menu select option 2 Supervisor Press the key on the keypad 03 To enter Flight Mode settings select option 6 Flight Mode Press the key on the keypad 04 To disable Flight Mode select option 2 Off Press the key on the keypad ...

Page 68: ...tservices co uk 67 05 S900 will ask for confirmation that you want to disable Flight Mode Press the key on the keypad to confirm or the key to cancel 06 S900 will confirm Flight Mode is disabled and the terminal will restart ...

Page 69: ... the update The following describes the process of downloading and installing software updates or terminal configuration updates which have been assigned in OCC 12 2 7 1 Terminal Software Updates 01 From the main menu select option 5 Menu Press the key on the keypad 02 From the Terminal menu select option 2 Supervisor Press the key on the keypad 03 Check for updates select option 7 Check For Updat...

Page 70: ...OCC axept S900 will start to download the software update Please be patient whilst this downloads as it may take several minutes 06 will be displayed and After the download is complete the update icon axept S900 will require you to logout and logon again 07 After logging on axept S900 will start to prepare the update Please be patient as this may take several minutes ...

Page 71: ...l perform a backup Please be patient as this make take several minutes Once the backup is complete the S900 terminal will restart and the software update process is complete INFO axept 900 will only download a software update if one is available and has been assigned to the terminal in OCC S900 will display No updates Currently Available if no updates are available or has not been assigned to the ...

Page 72: ...From the main menu select option 5 Menu Press the key on the keypad 02 From the Terminal menu select option 2 Supervisor Press the key on the keypad 03 Check for updates select option 7 Check For Updates Press the key on the keypad 04 axept S900 will check for available software updates ...

Page 73: ...loads as it may take several minutes 06 After the download is complete the update icon will be displayed and S900 will require you to logout and logon again axept S900 will return to the main menu 07 From the main menu select option 6 Logout to logout and then logon again Press the key on the keypad 08 After logging on S900 will start apply the configuration update Please be patient as this may ta...

Page 74: ...hat a logout will be required to complete the process and will automatically logout INFO axept 900 will only download a configuration update if one is available and has been assigned to the terminal in OCC S900 will display No updates Currently Available if no updates are available or has not been assigned to the terminal ...

Page 75: ... terminal S900 screen shows that data is stored by displaying the offline transaction iconwith the number of transactions shown underneath Once internet connection is restored the data will begin uploading automatically However axept S900 also allows this process to be started manually as described in the following steps 01 From the main menu select option 5 Menu Press the key on the keypad 02 To ...

Page 76: ...es support team are able to view the information via the support portal Logs should only be uploaded when requested by First Payments Merchant Services as part of a support case The following steps describe how to upload the log data if required 01 From the main menu select option 5 Menu Press the key on the keypad 02 Select option 4 Upload Log Press the key on the keypad 03 Select either option 1...

Page 77: ...equired for the upload will depend on your connection speed and the amount of data to be transferred 05 The Log Upload Complete message will be displayed and axept S900 will return to the Upload Log menu 12 5 Network Check This feature is currently not available for use 12 6 Restart Terminal This will restart the S900 terminal ...

Page 78: ...e text fields such as the merchant reference into S900 Key Number of Key Presses Output 1 2 3 4 5 6 7 8 9 10 11 12 1 1 2 2 A B C a b c 3 3 D E F d e f 4 4 G H I g h i 5 5 J K L j k l 6 6 M N O m n o 7 7 P Q R S p q r s 8 8 T U V t u v 9 9 W X Y Z w x y z The zero 0 key allows a greater number of characters and these are Key Number of Key Presses Output 1 2 3 4 5 6 7 8 9 10 11 12 0 0 _ Key Number o...

Page 79: ...dentification data storage or special purpose processing used to validate personal identification numbers PINs authorise purchases verify account balances and store personal records In some cases the memory in the card is updated every time the card is used e g an account balance is updated CNP Customer Not Present A feature that enables merchants to take transactions over the telephone or by mail...

Page 80: ...rds PAN CVC2 Card Validation Code 2 MasterCard payment cards CVV2 Card Verification Value 2 Visa payment cards Debit Card A card enabling the holder to have his purchases directly charged to funds on his account at a deposit taking institution may sometimes be combined with another function e g that of a cash card or cheque guarantee card DHCP Dynamic Host Configuration Protocol is a client server...

Page 81: ...Sometimes referred to as Payment Gateway or Payment Service Provider PSP Entity engaged by a merchant or other entity to handle payment card transactions on their behalf While payment processors typically provide acquiring services payment processors are not considered acquirers unless defined as such by a payment card brand PCI Acronym for Payment Card Industry PCI DSS Acronym for Payment Card In...

Page 82: ...uding Christmas Day 10 00 17 00 Non urgent requests can be emailed to customer service firstpayments co uk E mails will be actioned within the business hours of Monday to Friday 9 00 am to 5 00 pm Should you need to contact First Payments Merchant Services for something other than support the details are below First Payments Merchant Services Head Office Address Phone Email First Payments Merchant...

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