While the majority of organizations implementing PaperCut don't take payments (such as those implementing silent monitoring or simple quotas), many organizations may implement payment policies such as:

User Pays After Quota Exceeded
After the user exceeds their allocated quota, they must credit their account with their own funds.

User Pays Up-front
All users start with zero account balance. Access to printers is only granted after users credit their account with their own funds.

Easy Manual Management

Office or counter staff taking manual payments can quickly update accounts in real-time via the simple PaperCut browser based interface. Restricted access to the interface can be granted so you can ensure counter staff can not accidentally change other settings. All transactions are logged and audited and the interface is so simple to use, no staff training is usually required.

Top-Up (Pre-Paid) Cards

Top-up cards are the most popular payment method now used by our customers. The concept, first introduced in PaperCut in 2004, is a voucher or coupon based system. It's similar in concept to the payment methods used by pre-paid cell phone providers or an iTunes Store Gift Card. PaperCut includes the tools to help you create and manage your own payment cards.

Online Payment Gateways

Leveraging the emerging trend of online payments, the PaperCut payment gateway add-on modules allow PaperCut to hook directly into leading payment providers such as PayPal, CyberSource, VeriSign and Authorize.Net. The solution allows users to make immediate payments directly from their desktop or optionally parents to make payments on behalf of their school children via the internet. PaperCut's solution is vendor neutral ensuring you have a choice of payment providers.

Open API

PaperCut has an open and fully documented API. This allows organizations, 3rd parties or system integrators to interface with PaperCut to support other payment methods. This could include transfers from other systems and/or payment via hardware devices. For more information on using the APIs please contact PaperCut support.

Top-Up Cards in Detail

Top-up cards are the most popular payment method and has been specifically designed for the school, college or university. The system is simple, fully contained and very cost effective. The process works as follows:

• The network administrator prints a set of customized cards. Each card lists a value, an "valid 'til" date, and a unique ID. Cards are often sealed in envelopes or only handled by a trusted parties.
• When a user requires additional credit, they purchase a top-up/pre-paid card. In a school environment, cards can be sold at the library, cafeteria/canteen, or even in the candy vending machine.
• The user logs in to the systems web interface and enters the card's number.
• The user's account is automatically credited with the value listed on the card. The card then becomes inactive.

PaperCut Software has worked closely with a number of organizations to design the top-up/pre-paid card system. Over the years we have evaluated a number of payment technologies in conjunction with our education customers. These have included vending machines, smart cards, micro-payment systems, and manual processing. The top-up/pre-paid card system has been by far the most successful and cost effective, and is a great alternative or complement to the payment gateway. Top-up/pre-paid cards are also the de facto standard in other areas such as the mobile phone sector (used to handle pre-paid accounts) and iTunes Music Cards. Users, particularly students, will be familiar with the process.

PaperCut provides the software, a card creation wizard, and a security framework to implement a top-up/pre-paid card payment system. Now for a quick tour...

Creating Cards: The Card Wizard

• Use to create your own top-up/pre-paid cards
• The card wizard is a separate component installed with PaperCut
• Wizard style interface guides you though the process of creating and using cards
• Integrates with Microsoft Word

Card wizard in the Windows Start menu

• Each batch of cards is given unique batch ID
• Batch ID's can be used to track card sale location
• Use batch numbers to quickly track and cancel lost batches

Assigning a batch id in the card wizard

Creating Cards: Card Details

• Allocate a value, and set an expiry date
• Expiry dates ensure cards have a time limited life
• Create batches of different sizes ranging from 5 cards to 10,000

Entering card details in the card wizard

Creating Cards: Design Your Own Cards

• Use Microsoft Word to design a custom look
• Integrates in with Microsoft Word's mail-merge feature
• Include your own logo, usage instructions, and other details

Choosing a template in the card wizard

Creating Cards: Generate & Print

• The card wizard automatically creates a Word document ready for printing
• Cards defaults to a common "Business Card" size
• Need a professional look? Print to PDF and email to your local printing shop for professional printing onto card.

Cards laid out in MS Word

Using Cards: Entering a Number

• Users log in to PaperCut's web interface and enter the card number under the card section
• All activity is logged
• Integrate the PaperCut web tools interface into your organization's intranet site

Redeeming a card from the user web interface

Using Cards: Track

• Import new batch of card numbers
• View the status of all cards
• See which cards are allocated and to whom they are assigned
• Review the time and date of card use
• Delete or expire cards by number, date or batch ID

Managing cards from the administration interface

What You Can't See

• Fraudulent card use attempts are detected, trapped and logged
• Highly Secure - guessing numbers is practically impossible *

* With 1,000 cards in circulation, the chance of guessing a number is 1-in-10,000,000,000,000, or in non-mathematical terms, it would take over 300,000 years to guess a number if a person enters one number every second!