Transcript Fuel and Fleet (2011)x 5.12MB 2015-10-19 13:49:29

Fuel Merchants
and
Fleet Card Acceptance
July, 2011
One World. One source for payment processing… Worldwide.
Agenda
 Fuel Merchants




Merchant Types
Equipment Options
Discovery Questions
Paperwork
 Fleet Card Acceptance





Merchant Types and Target Markets
Fleet Card Types
Level III Processing
Terminal Options and VARs
Paperwork and Forms
2
Fuel Merchants
3
Fuel Merchant Types
• MCC 5541 – Service Stations
This merchant type includes gas stations,
service stations, truck stops, and marinas,
with or without ancillary services.
Convenience stores that sell fuel should be described
as “Service Stations” on the merchant application.
Convenience stores that do not sell fuel are classified
as MCC 5499 – Miscellaneous/Specialty Food Stores.
4
Fuel Merchant Types
• MCC 5542 – Automated Fuel Dispensers
These are unmanned, fully automated
fuel dispensing stations, typically
utilized only by commercial and
government vehicles and fleets.
The pumps can accept payments by
card or by keying in a corporate
account number.
This MCC is not used by Elavon.
5
Equipment Options – In the Store
Fuel merchants have three options for accepting card payments
inside the store, for both fuel and non-fuel purchases:
• Terminal – The merchant uses a retail-programmed terminal to process
card payments. Can communicate via dial-up or IP.
• Software – The merchant uses Virtual Merchant or ViaWarp as a retail
point-of-sale device to process card payments. Communicates via IP only.
• Value-Added Reseller (VAR) – The merchant uses a third-party POS
system (with a payment application or gateway) to process card
payments. Can communicate via dial-up or IP, depending on the system’s
capabilities.
NOTE: IP communication is not available for Fleet merchants.
All Fleet transactions must be processed via dial-up only.
6
Equipment Options – At the Pump
• Automated Fuel Dispenser (AFD)
Commonly known as “Pay at the Pump”, AFD’s enable a cardholder to pay for
fuel purchases without cashier assistance or having to enter the store.
Every AFD has two components: the pump itself
and the payment application it is programmed with.
While most pumps are installed with a built-in
payment application, they can be reprogrammed
with different payment applications by the vendor.
The three most common AFD manufacturers are:
– Gilbarco/Veeder Root/Gasboy International
– Dresser Wayne
– Syn-Tech Fuelmaster
7
Equipment Options – Integrated Fuel System
While some fuel merchants have separate processing solutions for transactions at the
pump (via an AFD) and in the store (via a terminal or a VAR), most utilize a single
integrated system that supports fuel payments for both.
Most integrated fuel systems are not certified to process directly with Elavon and
must be placed on a supported foreign network. Elavon supports the two largest fuel
processing networks:
– Heartland/ADS – Alliance Data Systems, which is owned by Heartland Payment Systems,
actually has two separate fuel processing networks: ADS (Dallas) and SPS (Chicago).
Both are supported by Elavon.
– First Data/Buypass – The Buypass fuel network, which is owned by First Data Merchant
Services, is supported by Elavon but not preferred (Voyager Fleet cards cannot be
processed on the Buypass network).
Reminder: Fuel merchants processing through ADS or Buypass
will be subject to foreign network fees.
8
Equipment Options – Integrated Fuel System
This table* shows some of the major fuel systems, the compliant versions
and the networks they are certified with:
Vendor/Manufacturer
Product
Version
Network(s)
Altametrics
Autogas Payment Controller
5
Buypass
Dresser Wayne
Nucleus Heartland
5.00
ADS
Fiscal
TravStar1 POS System
8.00
SPS, Buypass
Gilbarco/Veeder Root
CFN III Plus
3.6
Buypass
Gilbarco/Veeder Root
Passport**
6.00.23.02M
ADS, Buypass
Verifone
BUYPAK**
5.04
Buypass
Verifone
SPSPAK
3.00
SPS
* Updated June 28, 2011. It is not a comprehensive list, and new updates are always being released. For additional information, contact Sales Support.
** Available for pre-existing setups only.
NOTE: Not all vendors have the software drivers necessary to set up a fuel system on
all certified vendors. Before selling the merchant, make sure their vendor is able to
support the desired setup. Supportability is at the vendor’s discretion, not Elavon’s.
9
Determining the Processing Solution
It is important to correctly ascertain the fuel merchant’s card-acceptance solution,
both inside the store and at the pump. This is to ensure that Elavon can support their
system and that they are set up properly. Below are some suggested discovery
questions to help you obtain the information you need to successfully set up a fuel
merchant:
1) Who manufactured the fuel pumps?
2) What POS software runs the fuel pumps?
3) Does the POS software listed in question 2 send the transaction information
directly to the merchant’s processor? If no, what middleware or gateway
transmits the transaction from the POS software to the processor?
4) What type of connectivity to the network does the merchant have: dial, IP, or
satellite?
10
Determining the Processing Solution
5)
What network are the merchant’s transactions running on right now?
6)
Does the merchant use the same pump software to accept cards inside the
store? If not, what VAR or terminal is used to accept cards inside the store?
7)
What is the phone number and contact name the merchant calls to troubleshoot
the pumps?
8)
What Fleet cards, if any, does the merchant currently accept? Can Fleet cards be
used to pay at the pump?
Useful Tip: If the merchant is unable to answer some of these questions,
have them contact the vendor who set up the system. If the merchant
is unsure who their vendor is or how to contact them, ask if they have
a contact number in the event of a system malfunction.
11
Fuel Merchants – Required Paperwork
If the merchant is not going to accept Fleet cards, only the regular merchant
application needs to be submitted.
Page 1 – In the Description of Products or Services field, indicate the merchant is a
service station.
Page 2 – In the VAR section, indicate the vendor, product, and version of the
merchant’s fuel application. If the merchant is using a terminal, list it in the
equipment section.
Page 5 – In the Network field, check “Other” and indicate the foreign network the fuel
application will be set up with.
12
Fleet Card Acceptance
13
What are Fleet Cards?
Fleet refers to a specific type of special purpose credit card used by
companies that own car or truck fleets. Some common industries are:
–
–
–
–
–
Government agencies
Delivery services
Repair and installation services
Consumer goods distributors
Contract trucking companies
The purpose of a fleet card is to monitor fuel, maintenance, and other costs
related to the company’s vehicle expenses, and to provide enhanced
reporting to fleet managers. Fleet cards offer unique processing capabilities
including data gathering, authorization controls, and specialized reporting,
designed exclusively for the management of commercial truck and
automobile fleets.
14
Who can accept Fleet Cards?
All merchants that provide vehicle-related products and services can benefit
from the ability to accept fleet cards. Generally, they can be classified as fuel
merchants or service merchants, although some businesses provide both.
– Fuel merchants (MCC 5541) include
gas stations and convenience stores,
as well as any other businesses that
sell fuel but do not provide other
vehicle services. These merchants
typically utilize an integrated fuel
system and an automated fuel
dispenser. This merchant type has
specific interchange rates for
acceptance of non-fleet or
consumer card types.
15
Who can accept Fleet Cards?
– Service merchants do not
sell fuel but offer other
vehicle-related products and
services. These merchants
typically use a VAR solution
or a fleet-capable terminal.
MCC
5013
5511
5521
5532
5533
5541
5571
5599
7531
7534
7535
7538
7542
7549
Description
Motor vehicle supplies and new parts
Auto & truck dealer – new/used
Auto & truck dealer – used only
Automotive tire stores
Auto parts and accessories
Service stations
Motorcycle shops and dealers
Miscellaneous vehicle sales
Auto body and repair shops
Tire repair shops
Automotive paint shops
Automotive Service Shops
Car washes
Towing services
16
Fleet Card Types
•
•
•
Voyager – Accepted by every major brand of fuel and vehicle
service provider, at over 230,000 merchant locations in all
fifty states.
Wright Express – The leading provider of payment processing
and information services to the US commercial and
government fleet industries. Accepted at over 180,000
merchant locations, including 90 percent of fuel locations,
and at over 45,000 vehicle maintenance locations nationwide.
Visa Fleet and MasterCard Fleet – Unlike Voyager and Wright
Express, these can be used anywhere Visa and MasterCard is
accepted, not just at fleet merchants.
Although there are several other national and regional fleet card
types, Elavon only supports these cards. Voyager and Wright
Express combined represent over ninety percent of all fleet card
usage in the U.S.
17
Level III Data Requirements
To be set up for fleet acceptance, the merchant must have equipment capable of
transmitting the required Level III data. When a merchant accepts a fleet card, the
transaction interfaces with the fleet card issuer. In addition to the Level I data that a
bank or T&E card would provide, fleet cards provide enhanced Level II and III data.
Here is the breakdown of each level:
Level I data includes:
Level II data includes:
Level III data includes:
- Account number
- Expiration date
- Transaction date
- Purchase amount
- Merchant Category Code
- Merchant name
- Merchant city, state, zip
- All Level I data, plus:
- Sales tax amount
- Purchase ID
- Purchase ID format
- Vehicle or driver ID
- Fuel type
- Fuel quantity
- Fuel unit or mixture
- Fuel unit cost
- Fuel tax exemption
- Gross fuel price
- All Level I and II data, plus:
- Service type
- Net fuel price
- Non-fuel gross/net price
- Item discount amount
- Item description
- Item commodity code
- Item unit cost
- Item quantity
- Item unit or measure
- Item total
18
Fleet Equipment Options – Terminals
Elavon’s terminal programs currently do not have the
issuer interface or ability to pass through the enhanced
data. In order to provide service to the fleet fuel and
service markets, Elavon has partnered with Alliance
Data Systems (ADS). ADS specializes in these types of
solutions and is one of the largest providers of
transaction services to these industries. They have all
the necessary connectivity and technology to authorize
fleet card transactions and to pass the Level III data
directly to the fleet card issuer.
Elavon’s preferred fleet terminals allow merchants to
accept fleet cards on the same point-of-sale device
used to process credit, debit, ECS, and EGC
transactions.
19
Fleet Terminal Options – Verifone Omni Vx570
• Uses standard Vx570 hardware with multiapplication functionality
• Processes credit, debit, ECS, EGC, EBT, and DCC
through Elavon with no foreign network fees
• Processes fleet cards through Heartland/ADS
front end and Elavon back end
• Dial communication required for fleet
transactions
• Can utilize either the Verifone Pinpad 1000SE
or the terminal’s internal pinpad
20
Fleet Terminal Options – Elavon Fleet Terminal
• Modified Hypercom T7Plus and S9 PINpad
• Terminal identifies card type by BIN range
– Credit transactions process through Elavon
front and back end with no foreign network
fees
– Fleet and debit transactions through ADS
front end Elavon back end
• Supports Elavon EGC & ECS
• Deployment, training and support outsourced to Special Service Systems Inc.
(SSSI)
• Merchant training phone number is 888582-8800
21
Fleet Equipment Options – VARs
Elavon works with the majority of automated fuel dispensers (AFDs) used in
fuel pumps today to process fleet cards. To process fleet, the payment
application must be set up on the ADS (Dallas), SPS (Chicago), or Buypass
networks. As both fleet and non-fleet cards will be processed through the
foreign network, foreign network fees will apply.
Important note!
If the merchant’s system is set up on the Buypass
network, Elavon cannot support Voyager card
acceptance on that system, but it can support
WEX, Visa, and MasterCard Fleet cards.
For more information about supported VAR
systems for Fleet, contact Sales Support.
22
Fleet Merchants – Paperwork
• Fleet Enrollment Form
Required for all fleet setups, for both new
and existing MIDs. Indicate the network,
card types, equipment, and connection
type. The estimated turnaround times for
setup are indicated at the bottom.
For setups on the Buypass network, write in
“Buypass” next to Network Setup.
(Remember, Voyager is not available for
setups on Buypass.)
23
Fleet Merchants – Paperwork
• Petroleum Services Addendum to
the Terms of Service
Required for all fleet setups, the
merchant indicates acceptance of the
Terms of Service related to the
Petroleum Services indicated on the
form. The merchant signs only under
“MERCHANT”; Elavon and US Bank
provide the other signatures.
24
Fleet Merchants – Paperwork
• Voyager Acceptance Addendum
Required for all merchants accepting
Voyager cards. Indicates Voyager’s Terms
of Service and the transaction pricing. The
pricing is fixed for all Voyager merchants
and cannot be modified.
25
Fleet Merchants – Paperwork
• Wright Express Agreement Application
Required for all merchants accepting Wright
Express cards. Includes WEX’s Terms of
Service and pricing. The pricing is fixed for
all merchants and cannot be modified.
26
Fleet Merchants – Paperwork
• Wright Express Debranding Form
Required only for new merchants
who have already been accepting
Wright Express. (Indicates that the
merchant is an independent fuel
provider and does not have a
processing agreement with a
branded petroleum marketer, i.e.
BP, Exxon, Shell, etc.).
27
Questions?
28