The following are the parts of the payment processing feature:

• Getting a merchant account (A)*
• Logging into the iCare App (A or P)
• Putting a card on file (A or P)
• Direct Deposit
• The Wallet ID 
• Transmission and PCI compliance
• Processing a payment without saving the card (A or P)
• Processing a payment using a saved card/Wallet ID (A or P)
• Setting up a Direct Deposit (A or P)
• Payment reconciliation (A)

* A or P stands for the admin or parent role

Getting a Merchant Account

You need a merchant account to process electronic payments. An iCare CSM will initiate the process. You will receive a merchant application similar to opening a bank account. After the underwriting is complete, you will receive a Merchant ID. Your Merchant ID will be added to your iCare setup.

Logging into the iCare App

There are 2 iCare Apps - Browser App and Mobile App. Admins and parents can use either of the apps.

Putting a Card on File

Putting a card on file makes it easier to process a payment at any time or to set up a Direct Deposit.

Direct Deposit

That’s what automated recurring payments are called in iCare. It provided a lot of processing flexibility.

The Wallet ID

Saved cards are saved on the Gateway server and not on iCare’s server. A representative number from the Gateway server, Wallet ID, is stored in iCare. 

Transmission and PCI compliance

All processing is done on the Gateway server through its portal. SSL transmission is used. All storage on the Gateway server is PCI compliant.

Processing a payment without saving the card

An option is provided to process payments without saving a card. In this case, the control is passed on to a Gateway portal on which the payment is processed and then the outcome is transmitted to the iCare server.

Processing a payment using a saved card/Wallet ID

All saved cards show in a dropdown list with the last 4 digits visible. Simply select a saved card and click on process. The control will go to the Gateway portal and the payment will get processed through there.

Setting up a Direct Deposit

Simply select a saved card, select a processing period (weekly, monthly, etc.), select a start and end date, and select a fixed amount or whole balance to finish your DD setup.

Payment reconciliation

This is a process-oriented report status on both the iCare and Gateway sides. With a one-click process to complete any mismatches.