TSYSHealthCare Component

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The TSYSHEALTHCARE component is designed to be a simple interface for those wishing to add Healthcare Auto- Substantiation (IIAS) support without redesigning their entire payment system. This component is used to authorize FSA cards in a Retail environment, where the customer is purchasing products or services in person. Both full and partial authorizations are supported.

Syntax

DPayments.DPaymentsSDK.Tsyshealthcare

Remarks

This component allows for simple, direct, secure connection to the Vital/TSYS TLS/SSL gateway through a standard Internet connection. This component can be integrated into web pages or stand-alone Point Of Sale applications. Because all TLS/SSL communications are handled inside the component, any application or web page can be deployed without the need for expensive dedicated TLS/SSL servers.

The TSYSHealthCare component has the ability to authorize transactions for the Retail, Direct Marketing (including E-Commerce), and Grocery Store IndustryTypes. However, at this time TSYS is only allowing IIAS Auto-Substantiation transactions in the Retail environment.

The TSYSHealthCare component makes authorizing IIAS transactions very easy by adding an additional layer of abstraction between the programmer and the protocol. There is no need to deal with raw sockets, TLS/SSL handshakes, or data packet formatting. The steps to setting up the component and authorizing a transaction are very similar to that of the TSYSRetail component. The basic steps are outlined below:

First, set the merchant properties with setup information acquired from your member bank or processor. For instance:

  component.Merchant.BankId = "999995"; //(BIN number)
  component.Merchant.CategoryCode = "5999";
  component.Merchant.Name = "test merchant";
  component.Merchant.Number = "123456789012"; 
  component.Merchant.City = "Beverly Hills";
  component.Merchant.State = "CA";
  component.Merchant.StoreNumber = "5999";
  component.Merchant.TerminalNumber = "1515";
  component.Merchant.Zip = "90210";
	component.IndustryType = itRetail;	

Now, set the credit card properties. If available, you should use Track1 data. Some cards may have a corrupt or missing track1, and for these cards you may use track2 data. If the card is not readable, you may also manually enter the card number and expiration date. The following example shows a transaction sent with track1 data.

  component.Card.MagneticStripe = "%B4444333322221111^SMITH/JOHN J         ^031210100000033301000000008000000?";
  component.Card.EntryDataSource = edsTrack1;  

Next set the TransactionAmount, TotalMedicalAmount, and optionally any additional healthcare-related amounts. Up to three additional amounts may be included, but their sums cannot exceed the TotalMedicalAmount. The available amounts include: ClinicAmount, DentalAmount, PrescriptionAmount, and VisionAmount.

  component.TransactionAmount  = "10000"; // $100.00
	component.TotalMedicalAmount = "10000"; // this cannot exceed the TransactionAmount
	component.PrescriptionAmount = "5000";  // $50.00

There are several additional properties in the TSYSHealthCare component that are specific to healthcare transactions. The PartialAuthorization property indicates whether you allow partial authorizations. If TotalMedicalAmount is less than the TransactionAmount, the transaction will likely be declined as FSA cards are to be used solely for medical expenses. Likewise, if the FSA card does not have enough of a balance to cover the total amount, the card may be declined. However, if you set PartialAuthorization to True the host may authorize the transaction for a lesser amount. In this case the Code will be "10" instead of "00", and the AuthorizedAmount will contain the amount that was actually authorized (this amount may or may not be equal to the TotalMedicalAmount). Note: if the cardholder does not have additional funds to cover the remainder of the TransactionAmount and wishes to cancel the transaction, you must use the TSYSReversal component to reverse the authorization and instantly release funds back to the cardholder.

The Visa Merchant Verification Value, or VisaMVV is needed for Visa transactions in order to qualify for the best interchange rate.

Finally, the Substantiated property is a MasterCard-specific property that indicates if the transaction has been substantiated in real-time. Meaning, it tells the host whether the merchant verified the purchased items against an Inventory Information Approval System (IIAS).

After all of these properties are set, simply call the Authorize method to authorize the transaction. When the component receives a response from the Vital/TSYS servers, the result of the authorization will be displayed in several Response properties. The Code indicates whether the transaction was approved, and the AVSResult indicates whether the customer's billing address on file with his credit card company matches the information presented in the CustomerAddress and CustomerZip properties. The remaining properties provide additional information about the transaction.

Once an authorization request is approved, the money in the customer's account is blocked and tagged for the merchant. This transaction must go through the Batch Settlement process in order for the blocked money to be transferred to the merchant account. This is done by passing the XML aggregate returned from the GetDetailAggregate method to the TSYSSettle component. Usually, a Batch Settlement of all authorized transactions is done at the end of each business day.