Glossary

  • Merchant - The merchant is you, the 'shop': the body receiving payment from a cardholder.

  • Merchant Bank Account - The bank account required in order to clear online card payments. A merchant account is required to use our gateway as is a bank account for the funds to settle in.

  • Internet Merchant ID - This is the unique ID provided for each merchant account and which is required for integration purposes.

  • MOTO (Mail Order/Telephone Order) - This is specific type of merchant ID required for 'cardholder not present' transactions. It is used mainly for telephone, fax and mail order payments.

  • Virtual Terminal - An on-line terminal, accessed via computer, used to manually process MOTO payments. CharityClear provide free access to an online Virtual Terminal via our Merchant Management System.

  • Shopping Cart - This is the system used to collect all of the shopper's order and details on your website, before the relevant information is passed to our payment gateway. CharityClear integrates with many of the leading carts and can provide integration modules on request.

  • Payment Service Provider / Payment Gateway - CharityClear is a payment gateway provider. A payment gateway effectively acts as an online chip and pin machine enabling merchants to securely take card details and process online orders.

  • PCI - Payment Card Industry - an international security standard devised to improve security of payments using credit and debit cards. CharityClear is fully PCI DSS level 1 compliant.

  • Direct Integration - a method of integrating the PSP within a website. CharityClear is embedded within the website and payment details are taken on the host website at the time of purchase. This is a seamless method of integration and requires a higher level of PCI compliance and an SSL secure site.

  • Hosted Form Integration - an alternative method of integrating CharityClear on a website. Customer card details are taken on a page hosted by CharityClear (which can be individually branded by each store) and therefore PCI compliance is the responsibility of CharityClear and no SSL security certificate is required for the website.