CC processign in Canada
I believe your web site says that X-Charge is integrated in the US and Canada for debit and credit card processing. I was just speaking with X-Charge and they were not able to see that this is the case. IS there a POS software that integrates for Canada?
Thanks,
Comments
XCharge works fine in Canada, though most gyms only use it for billing and use a standalone terminal for POS.
We have dozens of gyms running XCharge (actually their XWeb service) for billing. A few use it for POS, but the EMV devices aren't integrated so most use a standalone terminal.
Ask to speak to whomever you spoke with's manager. Specifically this is the XWeb service using GlobalCanada.
Canadian gym operator here. We use X-Charge for billing EFT members through RGP. Confirming that it does work for VISA/MasterCard credit cards, but not AMEX or any Canadian debit cards, including VISA Debit. Sometimes it'll let you enter the info off a VISA Debit card into the billing info, but then when you actually try to bill the customer, it will always decline. I thought I recalled X-Charge announcing they were adding AMEX support sometime last year, but it doesn't work currently. If you try to enter an AMEX card, you'll get an error message.
Hutson -
Call OpenEdge and they can get Amex working.
As for Visa Debit, those should work as they are just visa card #s. What error do you get?
Andy,
Re: Amex, thanks, we will do that. Doesn't come up often but it would be nice to have.
Just tried Visa Debit with my card and some random concessions I've billed to my own profile recently. The error message is "Global Payments Error: UNAUTH TRANS". This is what we've gotten every time a customer has filled out an EFT billing form and put down their Visa Debit info. Only happens if they don't ask us first because most of the staff now know that it never works for us.
Here is the response from my contact at OpenEdge. Sounds like what you are experiencing is expected, unfortuantely.
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Visa Debit can be a little misleading as I’ve come to find out. Essentially the way it works in Canada is that the Visa side is used for Online purchases or international Retail purchases (going on vacation and using your debit card as credit). However inside of Canada at local shops, its used as Debit only.
Below is the link I was provided when first inquiring about this to Global Canada on what I believed to be an issue:
http://www.visa.ca/en/personal/visa-debit-card/index.jsp
Essentially:
Visa = International face to face purchases and/or Online purchases
Debit = Canada face to face purchases ran as Debit/Interac
Thanks, Andy, that's pretty much what I assumed was going on. Any notion of whether the same condition applies to Stripe? (Now that it's a billing option with the latest update!) We're guessing it might work since Stripe requires the CVC, and X-Charge doesn't, indicating it might be handled more like an online purchase.
Hutson
I suspect Stripe would work, for the reason you identify. The challenge though... is that the billing gateway in your RGP configuration is either Stripe or OpenEdge. You can't mix. And RGP does not store the credit cards, so you'd need to migrate your existing customers by getting their credit card info one-by-one and reentering them into the Stripe integration. Depending on the # of billed customers you have, it may be worth it...or not.
In hindsight I wish I had designed the gateways to be selectable BY customer, but that ship has sailed and it would be a painful (and risky) process to re-engineer at this stage.
Andy
Can you confirm that we can use Stripe for recurring monthly member billing? I was under the impression that Global Payments handled this aspect, and Stripe was used for online booking payments. I only ask, as we are not currently using RGP, but are planning on switching over. Through our existing POS system we already use Stripe for recurring member billing and for our online bookings. Would be nice not to have to switch everyone over to a different system if it is not necessary.
Colby
Stripe can be used for recurring billing, BUT it all the management aspects are handled within RGP... only the charges are processed at Stripe and no use of Stripe's"subscription/recurring" billing system is involved.
Thus even though you are currently using Stripe, all the customers will need to be ported over to RGP's specific implementation built upon Stripe.
RGP creates "mirror" customer records within Stripe to manage the billing. Presumably you can use the same Stripe account, but everything will need to be redone within RGP for the customer billing.
Thanks Andy!
Just to clarify. Any existing account profiles and billing schedules in Stripe would have to be deleted. I am assuming that Stripe would not recognize a duplicate mirror account created through RGP. Subsequently, we would have to ask members already being billed through the Stripe recurring billing system, to re-submit new credit card information, correct?
Yes, you are correct.
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