NATS3 Clearcard IDV
What is IDV?
IDV System is a new form of payment offered by ClearCard, which can be used as an alternate method to process a transaction if a surfer's credit card is declined by the biller. A surfer processing a transaction using IDVsystem can receive a loan for the purchase price of a membership, allowing them to register as a member even if their credit card is not accepted.
When processing transactions through IDVsystem, the program owner for that site gets paid for the surfer's initial click to IDVsystem, then receives the rest of the membership cost when the surfer repays the loan.
In order for the surfer to receive the loan, however, they must first get authenticated by IDVsystem's database. This can be done by providing extra information fields on the join form that are required for the surfer to fill out.
These additional required fields are firstname, lastname, email, address1, address2, zip, city, country, and state. Make sure that these fields are required on your site's join form, otherwise surfers will not be able to be authenticated by ClearCard.
Setting Up on ClearCard's Website
Before you can begin setting up ClearCard IDV as one of your billers, you must first sign up for a merchant account with them. You can do this through their website at http://stats.clearcard.com/solutions/Application. On ClearCard's signup form, select IDVSystem from the "Start Accepting" choices and fill in the rest of your required information.
When registering with ClearCard, make sure to take down the username, password (optional), site IDs, and membership IDs that they provide for you. Without this information, you will not be able to set up ClearCard in NATS.
Setting Up ClearCard IDV in NATS
Fill in your ClearCard username and password (optional) when prompted, and click Save. If you were not provided with the requested information, please contact your biller.
Next, go to the Sites Admin, create or edit a tour, and scroll down to the "Biller Details" section. Enter your ClearCard IDV Site ID(s) here -- ClearCard assigns each site that you added its own unique ID, which must be obtained from their website. You can find your Site ID on your ClearCard "My Account -- My Websites" page, listed under Options on ClearCard's site. Fill in your Site ID(s) and click Save.
Once you have done this, scroll down to the "Join Options this Site Offers" section and create or edit a join option to add ClearCard IDV compatibility. Under "Biller Codes for this Join Option," enter your ClearCard IDV Membership ID(s). ClearCard assigns each pricing option that you set up a unique Membership ID, which again must be obtained from their website. You can find this on your ClearCard "My Account -- Membership Plans" page. Fill in Biller Code, and click Save.
Since ClearCard IDV works based on providing members with loans to register for your sites, you may not want NATS to pay your affiliates for ClearCard IDV transactions until the member pays back their balance to the biller.
You can enable a configuration variable in NATS3 to pay your affiliates when ClearCard receives your member's payment in full, as opposed to the pending transaction post. To do so, simply add the following line to your config.php file:
ClearCard IDV also supports the usage of Instant Upgrades to upgrade the status of a member in NATS. Before you can begin add instant upgrade functionality to NATS, however, you must first set it up with your biller.
Once you have set up instant upgrade functionality with ClearCard IDV, create a link in NATS as follows:
Replace <linkdomain> in the above example with the linkdomain for your site. Replace <siteid> with your chosen site's ID number. Replace <username> with the upgrading member's username. Once you have configured instant upgrade functionality in NATS, members will be automatically upgraded when clicking that link.
Discount Memberships (Cancel Offers)
ClearCard IDV supports Discount Memberships, which provides members with discounted price offers when they attempt to cancel their membership. This feature must be configured with your biller -- for more information about offering Discount Memberships for your site(s), please contact ClearCard.
Flat Amount Sales
If you wish to create a separate join option that allows you to offer a flat rate charge for members through ClearCard IDV, go to the Billers Admin, edit the site you want to offer the flat amount sale for, and create a new join option.
Do not fill in the ClearCard IDV Merchant ID under "Biller Codes" if you want to offer Flat Amount Sales through this join option. Save your new join option, and your members will be able to choose your flat amount sale option when registering for your site.