What is a Token Number?
A token number is the credit card number encrypted. The number is only valid between Visual Matrix and the credit card processor.
There are multiple types of token. Visual Matrix does encounter 2 types:
- Merchant Link/Shift4/Elavon: the whole credit card number is not encrypted but stays a 16 digits number, the last four digits of the token number are the real last four digits of the credit card.
- Fortis Pay: the token is a 24 digits number from which only 16 are visible in Visual Matrix with no reference to any number from the original credit card number in it.
When do I use a real Credit Card number vs a Token?
A real credit card number can be entered manually either in the pinpad or in Visual Matrix*.
A token number can only be used from Visual Matrix (except Fortis Pay).
Entering a credit card number manually in Visual Matrix does not prove the guest approve the transaction as if the card was swiped, chipped or tap in a pinpad. That can cause higher chargeback and more expensive processing fees for the property.
How to find the type of credit card with an ML/TL/Shift4/Elavon token?
In Visual Matrix, the token will include the type of credit card (VS, AX, MC, DC).
However, like knowing that a credit card number with 15 numbers is an American Express, there is also a way to know what is a type of credit card with the 3 first digits of the ttoken number.
If the token starts with:
- 803: American Express
- 804: Visa
- 805: MasterCard
- 806: Discover
- 835: JCB
- 836: Diners
In Visual Matrix, the token will also include the type of credit card (VS, AX, MC, DC).
How to find the type of credit card with a Fortis Pay token?
Because Fortis token numbers are made of a random 24 characters made of letters and numbers, there are no way to recognize the type of a credit card with these token. However, in Visual Matrix, the unrevealed token will include the type of credit card (VS, AX, MC, DC).
The Guest Credit Card is authorized and approved on the Pin Pad but it is not showing on Visual Matrix
This normally happens due to the card being pulled out prematurely of the pinpad before Visual Matrix completes the tokenization process. When a guest inputs its credit card, he/she will pulled it out when the pin pad will beep, thinking the process ...
Credit Card Transaction Process
We do not think much about what goes into making the credit card process work. Simply insert a credit or debit card into a machine, and a few seconds later, the transaction is complete. However, behind this convenient payment option, the procedure ...
Credit Card Authorization Error Responses
If there is an error, then it means that Visual Matrix does work. The error is the response that the processor is sending. The error number (OE:0000045 for example) is what will help you find what the issue is. You can find an explanation to some of ...
The Guest Credit Card was swiped over the OTA Virtual Credit Card
It happens! But don't panic, the original credit card you need to use is still on file! This can occasionally happen during the check-in process. Instead of doing the check-in with the virtual credit card and going onto Folio B to save the guest's ...
What if I the CLEAR button is not used before entering a new Credit Card number
If you do not use the CLEAR button before entering a new credit card number and process to the payment, the old credit card number will be the one that will be charged. Whether you are working on VM Desktop or VM Cloud, it is imperative to use the ...