Valor Vault User Guide

The Vault is a premium feature offered through Envoy Business Systems, designed to allow merchants to securely store and retrieve customer card information for faster and more efficient transactions.

The Vault complies with Payment Card Industry Data Security Standard (PCI DSS) requirements, ensuring that all stored card data is encrypted and protected. Once card details are stored, merchants can access them directly through The Vault without requiring customer verification each time.

Access to The Vault is available only to ISOs and Sub-ISOs who have subscribed to this premium feature and enabled it for their merchants.

Acronyms and Abbreviations

This section lists the acronyms used throughout this document along with their full forms to improve user understanding.

Abbreviation	Full Form
ISO	Independent Sales Organization
PAN	Primary Account Number
PCI DSS	Payment Card Industry Data Security Standard
Sub-ISO	Subsidiary Independent Sales Organization

Merchant Portal Access
Access to The Vault is exclusive to merchants through the Envoy Business Systems Portal. Merchants must have valid login credentials.
Subscription and Permissions
The Vault feature is available only to merchants subscribed through their ISO or Sub-ISO. ISOs or Sub-ISOs can enable or disable this module for merchants, and merchants can do the same for their operators.

To confirm access, merchants should log in to the portal and verify that The Vault module is visible in the left navigation panel.

Benefits of The Vault

The Vault encrypts and securely stores card data the first time it’s entered and processed. Envoy Business Systems uses tokenization to replace sensitive card information with unique tokens, maintaining data security end-to-end.

Key benefits include:

Enhanced security and fraud protection
Simplified PCI DSS compliance
Faster transaction processing
Improved customer experience by eliminating repetitive card entry

Merchants can store customer details including:

Cardholder Name
Customer Name
Phone Number
Email Address

Additionally, merchants can manage and edit customer records and track recurring billing payments directly from The Vault.

Adding a New Customer

Merchants can add customers to The Vault in two ways:

Manually entering customer details
Adding from processed transactions

Method 1: Manual Entry

Navigate to The Vault → Select “Add Customer.”
Enter customer details such as PAN, expiry date, address, and other relevant information.
Save details. Each customer can have up to five stored cards and addresses.

Method 2: From Processed Transactions

Go to Transactions → Select the vertical ellipsis next to a completed transaction.
Choose “Add to Vault.”
1. The system pre-fills available customer and card details.
Save the record for future use.

Viewing Customer Details

Navigate to “List Customer” under The Vault.
The list displays all stored customers, including cards, transactions, contact details, and recurring payments.

Editing Customer Details

Option 1: From the List Customer Page

Go to “List Customer.”
Click the ellipsis beside the customer and select “View/Edit Customer.”
Update card, address, or personal information, then click “Update.”

Option 2: From Processed Transactions

Go to “Transactions.”
Click the ellipsis beside a record and select “Edit Customer on Vault.”
Update customer details and submit the changes.
Each customer can have up to five stored cards and addresses.

Viewing Vault Transaction History

Navigate to “List Customer.”
Click the ellipsis beside the customer and choose “View Transactions.”
View all transactions linked to that customer and click any entry for details.

Processing Transactions

From “List Customer,” select the ellipsis and choose “Process Transaction.”
You’ll be redirected to the Virtual Terminal.
Select the transaction type (Sale, Recurring, Refund), enter the amount, and process.
- The customer’s name and address auto-fill.
- CVV entry is optional.

How to View Recurring Transactions

Go to “List Customer.”
Select “View Recurring” from the dropdown.
Review the recurring billing history for that customer.

How to view Audit Log

The Audit Log records all changes made to customer data, including timestamps and user details.

Go to “List Customer.”
Click the ellipsis beside a record and select “Audit Log.”
To view modifications, select “View Changes.”

Deleting a Customer

From “List Customer,” click the ellipsis beside the record.
Select “Delete Customer.”
Confirm deletion by selecting “Yes.”