Introduction
Acquirers and connection
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You can find an overview of all different credit card interfaces here: Card processing EN.
Additional features (e.g. AVS (Address Verification Service), refund, 3-D Secure, ...) may depend on the specific integration.
Integration with
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In general we offer two different ways of integration:
Payment page (payssl.aspx) | Direct integration (direct.aspx) | |||||||||||||
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Credit card number (PAN) handling |
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3-D Secure handling |
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Additional data |
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Shop-/System integration |
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Further actions |
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Conclusion | Recommended for standard integrations - due to easy integration and simplified compliance.
| Recommended if you need full control and you do not want a redirect of the consumer.
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The documentation below is therefore always devided into two sections:
- integration via payment page (payment form)
- with common parameters to integrate
payment formMultiexcerpt include MultiExcerptName Platform-Name PageWithExcerpt Wording - with parameters to customize the payment form
- with specific parameters for the desired acquirer / processor
- with common parameters to integrate
- integration via Server-2-Server (direct) integration
- with common parameters to integrate
payment formMultiexcerpt include MultiExcerptName Platform-Name PageWithExcerpt Wording - with specific parameters for the desired acquirer / processor
- with common parameters to integrate
Implementation of 3-D Secure (2.x)
Common notes to 3-D Secure
3-D Secure is a process that authenticates the card holder to ensure that the consumer using the credit card data really is the card holder.
3-D Secure shall provide abuse of credit card data - specially in ecommerce environment.
3-D Secure 1.x has been implemented and asks the card holder typically for a password with each card usage.
3-D Secure 2.x has been implemented to:
- enable strong customer authentication (SCA) by authenticate the card holder with 2 independent factors of these 3 factors:
- something the card holder knows, e.g. a password
- something the card holder owns, e.g. a device (like phone to receive a token via SMS or using other OTP, token generator, ...)
- something the card holder is, e.g. biometrics (like finger print, face-id, ...)
- enable seemless authentication where the consumer is not authenticated and not asked to authenticate himself.
3-D Secure with
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Prepare yourself / your integration to be 3-D Secure 2.x ready - here a short overview with some technical details.
3-D Secure 1.x | 3-D Secure 2.x | 3-D Secure 2.x Sample | |||||||||||
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Depend on your integration: Payment Form ./. Server-2-Server | |||||||||||||
Payment Page / Payment Form | Your existing integration. | Just add API parameter "MsgVer=2.0", the rest is handled automatically by
| Add parameter "MsgVer=2.0" to your existing API call to start Payment Form. | ||||||||||
Server-2-Server integration | Use KVP:
| Use "card"-JSON, e.g.:
| e.g.: card=ewogICAgInNlY3VyaXR5Q29kZSI6ICI1NjkiLAogICAgImV4cGlyeURhdGUiOiAiMjAyNTA4IiwKICAgICJjYXJkaG9sZGVyTmFtZSI6ICJXaWxsaWFtIFRob21hcyIsCiAgICAibnVtYmVyIjogIjQxMTExMTExMTExMTExMTEiLAogICAgImJyYW5kIjogIlZJU0EiCn0= | ||||||||||
For specific use cases | |||||||||||||
Recurring payments (initial / subsequent) | Use parameter "RTF" | Change "RTF" to parameter "credentialOnFile"-JSON Find specific use cases here: 3DS 2.0 Merchant Use-Cases | e.g.: credentialOnFile=ewogICAgInR5cGUiOiB7CiAgICAgICAgInVuc2NoZWR1bGVkIjogIkNJVCIKICAgIH0sCiAgICAiaW5pdGlhbFBheW1lbnQiOiB0cnVlCn0= | ||||||||||
Address Verification Service (AVS) (depending on acquirer / processor) | Use parameter
| Change address data to "address"-JSON | e.g.: billingAddress=ewogICAgImNpdHkiOiAiTmV3IFlvcmsiLAogICAgImNvdW50cnkiOiB7CiAgICAgICAgImNvdW50cnlBMyI6ICJVU0EiCiAgICB9LAogICAgImFkZHJlc3NMaW5lMSI6IHsKICAgICAgICAic3RyZWV0IjogIlBhcmsgQXZlbnVlIiwKICAgICAgICAic3RyZWV0TnVtYmVyIjogIjI3MCIKICAgIH0sCiAgICAicG9zdGFsQ29kZSI6ICIxMDAxNy0yMDcwIiwKICAgICJzdGF0ZSI6ICJOWSIKfQ== | ||||||||||
Apply for frictionless payment processing |
| Provide additional data as JSON-KVP: JSON Objects | e.g.: threeDSPolicy=ewogICAgImNoYWxsZW5nZVByZWZlcmVuY2UgIjogIm1hbmRhdGVDaGFsbGVuZ2UiCn0= |