*Note 1: The refund process is controlled by the merchant, and the merchant is fully responsible for its execution.

*Note 2: Even when the refund transaction is available for all the integrations type, it can only be executed from the Virtual Terminal (for Connect or Pugin integrations, VT & API can execute this by themselves)

For more information visit PCI E-commerce Guidelines: https://www.pcisecuritystandards.org/pdfs/PCI_DSS_v2_eCommerce_Guidelines.pdf

Submit the following information for integration and testing. If not available, must be provided before the final ‘Letter of Approval’. (Not required for Virtual Terminal - VT).

 

• Screen print of the on-line payment page (showing proof of a secure HTML order form), electronic receipt, terms and conditions, privacy statement.
   

 

• Proof of a digital certificate for Internet security
   

 

• Website Requirements Checklist

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Card Verification (Zero Dollar-Auth) Transaction: an authorization request with a value of 0 USD. This is used to either store details or obtain shopper details to be able to look up previous purchases or other details from the merchant database. Zero-value auth is used for example when submitting a BIN or a card verification request.

3DS: an authentication service for secure online card payment that is recommended by VISA, Mastercard, JCB and AMEX. "3D Secure" is the general term for authentication services provided by each Card Brands under different names.

Merchant Initiated Transaction (recurring) (Transaction): As an example of this type transaction, could be an affiliation (like a Gym), where the merchant host take the cardholder information to create the recurring payments on the system.

Pre-Authorization: Reserves funds on a customer's credit card. Authorize only does not charge the card until you perform a completion of the transaction (Ticket Only) and/or confirm shipment of the order. This kind of transaction could be used frequently as an online purchase, for example, in the Hotels or Car Rental industry where the ‘transaction’ only reserves or places a hold on client’s account. The funds/holds are released after the period ends (shipping confirmation, Hotel stay, or rental is completed).

Payment Gateway: A payment gateway is a merchant service offered by an e-commerce application service provider that permits direct payments or credit card processing. The payment processor is the only party who can read the token; it is meaningless to anyone else. Furthermore, the token is useful only with that single merchant.

PCI Compliance: The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements intended to ensure that all companies that process, store, or transmit credit card information maintain a secure environment. It is the responsibility of the Card brands and Acquirers to enforce PCI DSS compliance. For more details, click: https://www.pcisecuritystandards.org/pdfs/PCI_DSS_v2_eCommerce_Guidelines.pdf

Refund Transaction: If enabled for your store, returns funds to a customer’s card against an existing order on the payment gateway. As an example of this transaction, could be a merchandise return for ‘x’ reason and it’s needed the refund the money to the client.

Sale Transaction: This is the most common transaction type which immediately charges a customer’s card or bank account. As an example of this transaction, could be a purchase in a mall store.

Scheduling Recurring Transaction (Transaction): As an example of this type of transaction, could be a streaming service (like Netflix), where the cardholder by his own write down the data and ‘subscribe’ for a month recurring payment.

Tokenization: Tokenization of data safeguards credit card numbers and bank account numbers in a virtual vault, so organizations can transmit data via wireless networks safely. For tokenization to be effective, organizations must use a payment gateway to safely store sensitive data.

Void Transaction: A void transaction is a transaction that is canceled before it settles through a consumer's debit or credit card account. When a transaction is voided, it shows up as a pending transaction on the customer's account for a short period of time, while the process is being completed.