Converge – Virtual payment platform – www.capitalq.com

Elavon Converge a Virtual Merchant is a payment gateway for secure and simple online payments. Converge payment gateway enables the store owners to start accepting payments online without worrying about PCI Compliance as payment information is directly submitted to Elavon converge. Converge was developed on June 26, 2015.

Elavon Converge is secure, flexible and cost-effective payment gateway. It allows for a flexible payment mode by accepting payments in store, via telephone or mail order, using mobile or via online. It gives a provision to its customers to get there own customized payment page through an API integration. Converge doesn’t require a specialized hardware or software settings, it can be accessed from any device having an internet connection. The gateway expands up to 5000 merchant numbers and users and it can easily include additional setup as the business grows.It supports all kind of secured payment methods including chip cards and mobile wallet. Most importantly the technology incorporated helps to keep the data safe throughout the payment process.

How to launch Converge Main page

Converge is supported by all internet browser, one can access the Converge account either by a PC or by Mobile phones. To access via mobile it is required to download the Converge Mobile app which available on both Google play store and Apple Store. By selecting the Link:http://www.capitalq.com/converge.html user can download Converge Virtual Merchant Mobile App.

To access the service ofConverge it is necessary to SignIn to Converge Account and steps to Login are listed below:

• Enter the URL: https://www.myvirtualmerchant.com/VirtualMerchant/ which directs t the Converge home page.
• Enter the Account ID, User ID, and the Password which is provided by Converge at the time of account set up.
• If the user is new then should contact Elavon Merchant activation department (1-866-451-4007) and request for Converge account setup.
• Once the account is set up the user will receive a mail from Converge which will have Account ID, merchant Number, Profile friendly name, and currency along the useful information regarding transaction process, mobile app and all-important details to know if the user is new.
• It is required to change the password after login into the page for the first time using temporary password issued by Converge.
• If the user has forgotten the password or is whiling the reset the password then could be done by clicking on Forgot your Password? option on the Login page, the page will be redirected to password setup page, it is required to enter Account ID and User ID, then Click on Forgot Password.
• Then Security Question screen displays for the authentication purpose, enter the answer to all the 3 questions and then click on Submit.
• An e-mail containing the security code will be sent to the registered mail id, Copy the code and paste it into the Security Code field in the Reset Password page.
• Enter the New Password, Confirm the New Password by entering it again in the Confirm New Password field.
• Click Submit. The Converges Main screen displays.

What is a virtual gift card?

A virtual gift card is a digital card used instead of a physical plastic card. It is usually delivered by email or shown inside the issuer’s account area. The card may include a card number, an expiration date, a security code, or a barcode.

Some virtual gift cards work only with one retailer. Others use a payment network and may be accepted by more businesses. Before trying to pay, check the issuer’s terms for where the card can be used and whether online, in-store, or mobile payments are allowed.

To use a virtual gift card online, enter its details in the payment form as you would enter a payment card. If the form asks for a billing address, use the address registered with the card. A mismatch can cause the payment to be declined.

How to choose and use virtual gift cards online

The best virtual gift card depends on how the recipient plans to use it. Before selecting one, review:

• Which stores or websites accept it
• Whether it can be added to a mobile wallet
• When it expires, if applicable
• Whether the issuer allows split payments
• How lost card details can be recovered

Buy or activate a virtual gift only through the issuer or a retailer you trust. Save the delivery email and take a secure note of the card details. Do not send the number or security code through public messages.

If a virtual gift card is declined, confirm that it is activated, has enough available balance, and is accepted by that merchant. Check every digit and any requested name or address. If the purchase is larger than the available balance, ask whether the merchant accepts split payments. Contact the card issuer if the balance is correct but repeated attempts still fail.

How to check a virtual gift card balance

Have the card number and any security code or PIN ready. Open the issuer’s verified balance-check page from the company’s official website, or use the contact method printed in the delivery email. Enter only the details requested by the issuer.

The displayed balance may not immediately reflect a recent purchase, reversal, or pending authorization. Wait for the transaction to finish processing, then check again. Keep receipts until the balance updates.

If the balance page rejects the card, look for typing mistakes and confirm that you are using the card issuer’s page rather than the store where you tried to spend it. Support may ask for the card number, activation details, and information about the failed transaction. Never send a full card number in an unsecured message.

Virtual gift cards and a mobile payment platform

A mobile payment platform lets a customer approve a payment from a phone or other mobile device. A virtual gift card may work there only if both the card issuer and the platform allow it.

When adding a card, enter the card details exactly as issued and complete any verification step. If it cannot be added, use the card directly at checkout where permitted. A declined mobile payment does not always mean the card has no balance; the merchant, issuer, or platform may not support that type of virtual card.