Online Transactions Iowa County Information Technology Association November 20, 2002

Overview How it all works How it all works Configuration options Configuration options Iowa Code Issues Iowa Code Issues Credit Card Companies Credit Card Companies e-Checks e-Checks Bank Fees Bank Fees Options Options

How it all works: Citizen Side Purchase Selection Purchase Selection Provides Personal Information Provides Personal Information Provides Payment Information Provides Payment Information Receives Receipt Receives Receipt Needs Contact Information Needs Contact Information Issues Issues Privacy Policy Privacy Policy SSL SSL Speed Speed

How it all works: County Side Data Flow Data Flow Extract, Export Extract, Export Import, Merge Import, Merge Scheduling Scheduling Payment Flow Payment Flow Distribution Account Distribution Account Timing Timing Account debits Account debits Audit Trail Audit Trail

How it all works: Application Side Business Rules Business Rules Specifications Specifications Interface with Bank Interface with Bank Process e-checks and credit cards Process e-checks and credit cards Administrative Information Administrative Information Payment Reports Payment Reports Account debits Account debits Audit Trail Audit Trail

Configuration Options Data Base Integration Data Base Integration Extract Extract Timing Timing Examples Examples Parking tickets Parking tickets Park Reservations Park Reservations License Renewals License Renewals Property Taxes Property Taxes Vital Records Vital Records

Configuration Options Single Transaction Single Transaction One time purchase One time purchase No database involved No database involved Examples Examples Some types of permits Some types of permits Novelties Novelties

Iowa Code Issues 1926 section on fees 1926 section on fees SS and SS and Depositing “fees” Depositing “fees” Postmark/Date Stamp Postmark/Date Stamp Sinking Fund Sinking Fund

Credit Card Companies 101 Good News Good News Authorized before charged Authorized before charged Variable rates on cards Variable rates on cards One rate online One rate online Discover: can disclose fees Discover: can disclose fees Not so Good News Not so Good News MasterCard and Visa: cannot disclose fees MasterCard and Visa: cannot disclose fees

e-Checks 101 Can confirm the Routing Number Can confirm the Routing Number Unable to confirm Account Number Unable to confirm Account Number Key point of error Key point of error 8 Bank error codes 8 Bank error codes Some are automatically re-submitted Some are automatically re-submitted NACHA NACHA National Automated Clearing House Association National Automated Clearing House Association Pin # Pin # Bank Fees Bank Fees

e-Checks Do’s Do’s Show a diagram Show a diagram Double entry helps Double entry helps Add Help box Add Help box Don’ts Don’ts Savings account Savings account Money Market accounts Money Market accounts Credit Card Checks Credit Card Checks

Bank Fees Clarify beforehand Clarify beforehand Per transaction fee for credit card use: Per transaction fee for credit card use: 5 – 15 cents 5 – 15 cents on top of credit card fees on top of credit card fees Dues and Assessments Dues and Assessments % of sales % of sales Settlement and Charge Back fees Settlement and Charge Back fees

Other Fees 45 cents at counter 45 cents at counter Account Maintenance Charge $20.00 a month Account Maintenance Charge $20.00 a month 20 cents each 20 cents each Electronic ACH 15 cents Electronic ACH 15 cents Electronic ACH 16 cents: when ACH is money deposited in account (from MasterCard/VISA; Discover; echecks. Electronic ACH 16 cents: when ACH is money deposited in account (from MasterCard/VISA; Discover; echecks. ACH input $20.00 ACH input $20.00 Return Item $2.00 Return Item $2.00 Return Item Notification by $3.00 Return Item Notification by $3.00 Return Item $50.00 Return Item $50.00 Corporate Maintenance Charge: $30.00 a month Corporate Maintenance Charge: $30.00 a month Consumer Maintenance Charge: $20.00 a month Consumer Maintenance Charge: $20.00 a month Corporate 1 day 15 cents: When we send ACH files, charge for each item dispursed. Corporate 1 day 15 cents: When we send ACH files, charge for each item dispursed. ACH addenda 1 cent: ACH addenda 1 cent: FDIC assessment:.013% of account balance at end of the month. FDIC assessment:.013% of account balance at end of the month.

Service Delivery Fee Paid by user Paid by user Added to purchase Added to purchase Covers transaction costs Covers transaction costs Bank fees Bank fees Credit Card fees Credit Card fees Development Costs Development Costs Depending on funding model Depending on funding model

Don’t Forget Marketing URL on all printed materials URL on all printed materials Flyers on bulletin boards in courthouse Flyers on bulletin boards in courthouse Cards at the counter Cards at the counter Involve others Involve others Community outreach with elected officials Community outreach with elected officials

Options: Pros and Cons Shopping Cart (3 rd party) Shopping Cart (3 rd party) Fees, Limited use Fees, Limited use Reliability, Protection of Funds Reliability, Protection of Funds Do it Yourself Do it Yourself Costs to develop Costs to develop Costs to operate Costs to operate State of Iowa & Iowa Interactive State of Iowa & Iowa Interactive Two options developed and deployed Two options developed and deployed Reduces up front costs Reduces up front costs Leverages existing relationships Leverages existing relationships

Paradigm Shift 1982 – Government 1982 – Government working together threatened autonomy working together threatened autonomy e-Government e-Government working together maintains autonomy working together maintains autonomy

Contact Information Kay Arvidson (515) Iowa Interactive State of Iowa Information Technology Department (ITD)