To configure Pepper Pay Pinless gateway into your sticky.io CRM you will go to Payments>Gateways. Under ACTIONS, select Add New Provider Profile. Select the type = Payment/Gateway and select Pepper Pay Pinless from the drop-down. Fill out the gateway parameters which are outlined below and click Save.

These parameters are briefly described here for your reference:

Alias: Name that you will assign to the gateway. This is for internal purposes only. It helps you identify a specific gateway account among several of them in your platform.

API Key: This will be provided to you by Pepper Pay.

Sticky.io 3D Verify: Select "yes" if you are using the 3D Verify service.

Currency: The Pepper Pay Pinless gateway currently only supports USD currency.

Test Mode: Set to YES if you would like to use this gateway in Test Mode.

Custom Processor ID: This will be provided to you by Pepper Pay.

There are 2 Required Fields on the Merchant Account Details tab.

  • Descriptor - This will be the MID Descriptor.

  • Customer Service Number - The customer service number assigned to the MID.

There is 1 Required Field on the Limits and Fees tab

  • Global Monthly Cap - This will be the sales amount allowed monthly on this MID

To maximize the efficiency of sticky.io Reporting Analytics, we suggest you take a moment and fill out the rest of the fields. These will all be used in sticky.io’s profitability reports.

For field definitions on all of the fields on the Merchant Account Details Tab and the Limits & Fees Tab - click here- overview of gateway providers

How to configure Pinless Debit routing and how it works:

Once your gateway profile has been created the next step will be to add it to your payment router(s), within the payment router you will then enable the option Pinless Debit Routing as shown in the screenshot below.

With Pinless Debit Routing enabled there will be a few additional validations that come into play when an initial order request comes in:

  • The sticky.io system will check if the BIN number is a debit or credit BIN.

  • If it is a credit BIN, then the Payment Router will continue with routing the transaction to the next gateway in line that is not a Pinless Debit gateway.

  • If it is a debit BIN, then the sticky.io system will check if the BIN is compatible with Pepper Pay Pinless.

    • If the BIN number is compatible with Pepper Pay Pinless, then the transaction will be routed to that gateway profile.

    • If the BIN number is not compatible with Pepper Pay Pinless, then the transaction will be routed to the next gateway in line within the payment router that is not a Pinless Debit gateway.

NOTE: If the Pinless Debit Routing option is not enabled within the Payment Router, the Pepper Pay Pinless gateway will behave like any other payment gateway and the sticky system will send any type of payment types to it, including debits and credits.

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