PLEASE NOTE:
The majority of the contents in this guide apply to both StudioPlus Spectra AND myStratus Desktop.
In most cases, instructions referring to "Spectra" also apply to myStratus Desktop.
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Credit Card Processing Overview

           

Credit Card Processing Overview

StudioPlus has chosen to integrate its software with industry-leading credit card processing companies Cayan™ (formerly Merchant Warehouse) in the United States, and eWAY™ in Australia and New Zealand. The integration does not require any additional software. The only requirement is that the computer you are using to run Spectra/myStratus Desktop has an Internet connection.

In addition to making credit card processing extremely easy, StudioPlus, Cayan, and eWAY take much of the hassle out of the requirements necessary for your business to become PCI compliant. See the PCI Compliance section below to learn more about PCI compliance and how it affects you. To locate the PCI web site, click here.

Before processing credit cards, you will need to contact Cayan or eWAY to set up an account and acquire your unique authorization credentials. These credentials will be entered into Company (Studio) Preferences in Spectra/myStratus Desktop in order to authorize the integration. For more information on establishing your account, please see the links at Company (Studio) Preferences - Credit Cards Overview

PCI Compliance of the Data Security Standard (DSS)

The Payment Card Industry (PCI) Data Security Standard (DSS) defines a set of requirements for the configuration, operation, and security of payment card transactions in your business. If you allow your clients to pay with credit cards, these standards apply to you. Failure to comply with these standards can result in significant fines should a security breach occur. See also: https://www.pcisecuritystandards.org/security_standards/index.php

With the Spectra/myStratus credit card processing routine with Cayan or eWAY, PCI compliance has become much easier for your business to attain. Using this feature allows Spectra/myStratus to be removed from the PCI compliance scope. This is achieved because Spectra/myStratus never touch credit card numbers and never store credit card numbers in its database. Using token processing through Cayan or eWAY, this credit card routine works on single transactions as well as automatic payment plans.

NOTE: If you have been using an older version of the software (before these changes were implemented) or have been storing credit cards in the software, you will need to turn on this new feature and purge the database of all existing credit card details. Click here for more information on the new settings and purge routine. 

ATTENTION!

In order for your business to be PCI compliant, you must NOT store any credit card details in Spectra/myStratus. In addition, if you have previously stored credit card details in your database, you must remove them. 


To apply for a credit card processing account or obtain more information from Cayan or eWAY, please use these links:
For more information about setting up your Cayan or eWAY integration in Spectra or myStratus Desktop, please read:



See also


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