| Word | Description |
| ActiveX | This set of technologies from Microsoft provides tools for linking desktop applications to the World Wide Web. Using a variety of programming tools -including Java, Visual Basic, and C++ - developers can create interactive web content. For instance, ActiveX technology allows users to view Word and Excel documents directly in a browser. |
| Agile Software Development | Agile software development refers to a group of software development methodologies that promotes development iterations, open collaboration, and process adaptability throughout the life-cycle of the project. |
| Authorization | The process by which the credit card company and/or bank permits the payment transaction to proceed. See also Pre-authorization. |
| Base URL | The URL used to reach the installed shopping cart, e.g. http://mydomain.com/zencart/ or http://mydomain.com/oscommerce/ |
| Card Not Present Account | A merchant account that is established for businesses where credit cards are primarily accepted by phone, mail, or over the Internet and therefore are "not present." Sometimes known as a Mail Order/Telephone Order (MOTO), or E-commerce account. |
| Chargeback | When a consumer contests a purchase that appears on his/her banking statement and they charge it back to the merchant. |
| Checkout Process URL | The URL for the shopping cart handler that processes the transaction results for a payment. an unmodified zencart installation this would be [base URL]/index.php?main_page=checkout_process. Or [base URL]/catalog/checkout_process.php for oscommerce. |
| CID | Cardholder Identification Data. CID is the American Express term for the 4-digit security code on the front of the credit card. For Visa and MasterCard, it is 3-digits and located on the back. |
| Clearing | The process whereby financial institutions collect or pay out for items drawn on, or paid into, accounts in their institution. First Data Payeezy Gateway settles according to the credit card companies' agreements with banking institutions. |
| Client Library | A client library allows you to make API calls from any website and makes it easy to create Ajax applications. Since the library does not require any server-side code on the merchant's server, a payment page can be created and hosted on any web site that serves static HTML. |
| COM | Component Object Model. COM makes it easier to create components (pieces of code) or use preexisting components that can interact with other components and applications (using the object model). A big advantage is that these components can be written using a variety of computer languages. |
| CTR | Customer Transaction Record. With the First Data Payeezy Gateway Transaction Processing Solution, the CTR is issued upon completion of a transaction. It states the business name, has an authorization number, and lists all important transaction details. |
| CVC2 | Card Validation Code 2. CVC2 is the MasterCard term for the 3-digit security code on the back of the credit card (Visa and MasterCard). For American Express, it is 4-digits and located on the front. |
| CVD | Cardholder Verification Data. CVD is a 3-digit security code on the back of the credit card (Visa and MasterCard). For American Express, it is 4-digits and located on the front. Also known as CVV, CVV2 (Visa), CID (American Express), and CVC2 (MasterCard). |
| CVV | Cardholder Verification Value a 3 or 4 digit security code on the back of the credit card (Visa and MasterCard). For American Express, it is 4-digits and located on the front. |
| CVV2 | Cardholder Verification Value2. CVV2 is the Visa term for the a 3-digit security code on the back of the credit card (Visa and MasterCard). For American Express, it is 4-digits and located on the front. |
| Digital Certificate | Digital certificates are password protected files issued from a Certificate Authority (CA). The CA validates information on a company or person then issues a certificate that identifies and provides information so that people can be more certain that the information provided on a website is genuine. |
| Discount Rate | This rate is charged on credit card sales of merchants by the merchant bank. |
| E-commerce | Conducting business activities - buying, selling, and other transactions via the Internet. |
| E-commerce Merchant Account | The type of merchant account necessary to accept credit cards over the Internet. It is a variant of a card-not-present account. See also Merchant Account. |
| ECI | Electronic Commerce Indicator. Use of this field is mandated by the banks and used to determine the source of the original transaction request. |
| Encryption | Encoding and securing information by converting its format for transmission. Receivers of the encrypted message must decrypt it to read it. |
| Firewall | A system between networks that filters data passing through it and removes unauthorized traffic, thus enhancing the network's security. |
| Gateway | A gateway is a program or piece of hardware that passes data between networks. |
| Installation Root | The file system directory where the shopping cart is installed, e.g. /var/www/html/zencart or /var/www/html/oscommerce |
| Interchange | The exchange of transaction data between the merchant bank and customer card issuing bank. |
| Invalid Transaction Tag | Response usually displayed when the tag sent does not match the transaction previously sent - for example, Tag A was returned from First Data Payeezy Gateway with Purchase #1 but Tag B was sent by the merchant with Tagged Refund #1. This can also occur if the transaction that is being refunded or completed is too old (customers have up to one year to refund charges and around 5 days to complete pre-authorization type transactions). |
| IP | Internet Protocol. The Internet protocol defines how information gets passed between systems across the Internet. |
| ISP | Internet Service Provider. A company that provides individuals and businesses with access to the Internet. Many ISPs also provide website hosting services. |
| IVR Telephony | Integrated Voice Response Telephony technology creates automatic message selections through phone systems. First Data Payeezy Gateway software can be used in IVR telephony. |
| Java | Sun Microsystems' Java is a programming language that adds animation, graphics, and actions to websites. |
| JavaBean | A component technology for Java that allows a developer to create reusable software objects. |
| JavaScript | A scripting programming language used to add interactive functions to HTML pages |
| JSON | JavaScript Object Notation, is a lightweight computer data interchange format. It is a text-based, human-readable format for representing simple data structures and associative arrays (called objects). |
| Linux | A freely distributed, Intel-processor-based alternative to UNIX. Linux is an inexpensive operating system solution when compared to UNIX. Linux has become increasingly popular worldwide. First Data Payeezy Gateway provides Linux users a Perl Module solution. |
| Merchant Account | A necessity for anyone wanting to take payments/sales via credit cards for their business. Regular retail merchant accounts differ from "card not present" (e-commerce or moto) merchant accounts. See E-commerce Merchant Account and Card Not Present. |
| Microsoft Site Server | Microsoft website development software. |
| Payment Processing | Another phrase for transaction processing. |
| Perl | Practical Extraction and Report Language. A popular programming language used for web server applications. It can be used for creating interactive forms and CGI programs. First Data Payeezy Gateway has a Perl Module Transaction Component for Unix/Linux systems. |
| Point of Sale | This is the point at which a product is paid for. Merchant Sales are conducted by credit card swipe terminal. On the Internet, this is the software that enables the merchant to accept transactions on their online store. |
| POS | This is the point at which a product is paid for. Merchant Sales are conducted by credit card swipe terminal. On the Internet, this is the software that enables the merchant to accept transactions on their online store. |
| Pre-authorization | The method by which an amount of funds is reserved for a period of time to await sales completion. |
| Prepaid Closed Loop (PrePaid CL) | Prepaid Closed Loop is a First Data product that is designed to only be used at the issuer's locations. Closed Loop payment schemes allow companies to reward loyalty and increase customer intimacy. Prepaid Closed Loop was formally known as Valuelink. Prepaid Closed Loop is commonly referred to as "gift card" as well. |
| Python | A general-purpose, high-level programming language. Its design philosophy emphasizes programmer productivity and code readability. |
| Quick-key | A streamlined interface for rapid transaction entry |
| Real-time | Events and actions are taking place as it happens and the time frame is now. |
| Receipt Link | Payment Pages' simplest method of displaying customer receipts. |
| Refund | The repayment to the purchaser of the total charge or a portion of that charge. |
| Relay Response | A technique used in Payment Pages for passing transaction information back to the merchant site. |
| Reporting | Payeezy Gateway provides extensive reporting with our First Data Payeezy Gateway Real-time Payment Manager (RPM). Detailed deposit totals and online activity can be tracked daily. |
| Ruby | A dynamic, reflective, general purpose object-oriented programming language. Originating in Japan in the mid 1990s, Ruby was initially developed and designed by Yukihiro "Matz" Matsumoto and combines syntax inspired by Perl with Smalltalk-like object-oriented features. |
| Ruby on Rails | An open source web application framework for the Ruby programming language. It is often referred to as 'Rails' or 'RoR'. It is intended to be used with an Agile development methodology, which is often utilized by web developers for its suitability for short, client-driven projects |
| S.E.T | Secure Electronic Transaction is a protocol under development with MasterCard and Visa as a method to secure payment card transactions over the Internet. |
| Settlement | The process whereby financial institutions collect or pay out for items drawn on, or paid into, accounts in their institution. First Data Payeezy Gateway settles according to the credit card companies' agreements with banking institutions. |
| Settlement Name | This is the descriptor that will appear on the cardholder's credit card statement. This is different from a "soft descriptor" in that it cannot be dynamic per transaction and usually contains only the merchant's company name and address/phone number. |
| Shopping Basket | When you shop online, items you are going to buy are often collected in a "shopping basket" or "cart" so that you can check your list when ready to purchase them. First Data Payeezy Gateway software has been successfully integrated into several shopping carts. |
| Shopping Cart | When you shop online, items you are going to buy are often collected in a "shopping basket" or "cart" so that you can check your list when ready to purchase them. First Data Payeezy Gateway software has been successfully integrated into several shopping carts. |
| Silent Post | A Payment Pages process where First Data Payeezy Gateway transmits results to the merchant server but does not receive a response back |
| SOAP | The Simple Object Access Protocol, an XML syntax for exchanging messages. |
| Soft Descriptor | This is a label appearing on the cardholder's credit card statement allowing businesses to customize line-item descriptions to include information such as the category of goods purchased and a customer service number. This provides additional insight into the transaction making it easier for consumers and corporate buyers to keep better purchasing records, increasing customer satisfaction and reducing customer support and dispute resolution costs. |
| SSL | Secure Sockets Layer. A widely used public security protocol, SSL creates a secure link between a web server and browser and all data sent is encrypted. First Data requires that websites using our services have SSL. |
| Tagged Transaction | A transaction that can be processed without sending the credit or debit card details (i.e. number, expiry, cardholder name) |
| Transaction Processing | The process enabling the clearing of purchases in an electronic environment such as the Internet. In the case of First Data Payeezy Gateway, we provide a means to process credit and debit card transactions. |
| Transaction Tag | A unique numeric identifier generated for each transaction by the First Data Payeezy Gateway system |
| UNIX | A general-purpose operating system that has become popular again since much of the Internet is hosted on UNIX systems. UNIX platforms can implement the First Data Payeezy Gateway Perl Module or Ruby Client Library. |
| Valuelink | See PrePaid Closed Loop. |
| VPOS | Virtual Point of Sale. A Point of Sale device where people can ring through sales online. RPM supplies all their merchants with a VPOS. |
| Web Hosting | Hosting your site means a company provides the method by which people can locate your website on a computer or server. Many ISPs and E-commerce Solution Providers offer Web Hosting. |
| Web Service | Defined by the W3C as "a software system designed to support interoperable machine-to-machine interaction over a network". Web services are frequently just Web APIs that can be accessed over a network, such as the Internet, and executed on a remote system hosting the requested services. |
| Web Storefront | A website store. First Data Payeezy Gateway software can be integrated into web storefronts. |
| WSDL | Web Services Description Language is an XML-based language that provides a model for describing Web services. |
| XML | eXtensible Markup Language, a widely accepted way of sharing information over the Internet in a standard, generic way. |