This article explains how credit card transactions are processed through the MyRec.com software and what happens behind the scenes from the moment a card is swiped to the moment your bank is funded.

Where the Transactions Should Start

All transactions, including sales, voids, and refunds, should always be initiated through the MyRec.com software. While your department may have the ability to perform these actions directly in your gateway (such as Authorize.Net or Zeamster), this is not encouraged. Processing outside of the software should only happen in specific situations where the MyRec.com team has provided your department with detailed instructions to do so.

What Happens When a Card is Processed

Once card information is entered into the software, your gateway runs in the background and sends a request to verify whether the transaction is approved or declined. This happens within seconds, and the result is returned directly to the software, so you know immediately how to proceed with the transaction.

End of Day - How Your Account Gets Funded

At the end of each day, the gateway closes what is called a batch. This is the point at which the gateway compiles all of the day's transaction data into a secure token and sends it to your payment processor to fund your bank account.

Your gateway batch time on each day was set up during your onboarding. However, we strongly recommend a midnight batch closure to account for any after-hours sales that may come through your public-facing website.

Where to Find Your Gateway and Processor Information

1. Click the Administration menu on the leftside navigation bar
2. Select Settings
3. Click the Subscriber Settings tab at the top
   1. Scroll down to the Merchant Services section to see which gateway and payment processor your department is using

Questions?

If you have any questions about your integration, please contact us at merchantservices@myrec.com.