The

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interfaces

About this manual

This manual describes the programming and the scope of services of the

This chapter The

About the

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Merchant Interface

This manual describes the programming of the Merchant Interface.

Please note that not all interfaces are available for every payment method. For details, please refer to the descriptions of the respective payment type or contact 

Hosted Payment Page

The Hosted Payment Page is a checkout that contains only the step of selecting the payment method. It is a HTML form with responsive design that is displayed properly on all devices.

In the case of payments via Hosted Payment Page, the shop redirects its customers to the

Credit Card Form (paySSL)

When requesting card payments via

Silent Order Post (PayNow)

Silent order post is a transmission method where form data is sent from a merchant website directly to a third party server. This is usually achieved using the form action attribute, which specifies the URL where the data is to be sent.

This approach is very similar to

Server-to-Server Intragration

Our server-to-server solution allows you to exchange all transaction-related data directly between your server and

Batch Manager

Batch Manager lets you transmit payment transactions in the form of files. In this process you assemble transaction data such as the credit card number, amount and currency in a batch file which is transmitted to

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Operations overview in

The optional dashboard of the application offers you the possibility of clearly displaying all processes with the associated payment transactions in the form of tables and diagrams.

Transactions Overview in the Dashboard of

You can find details about

Virtual POS Terminal / MOTO

The

Test Mode

In the live / productive operation mode all payments are forwarded live to the connected service provider (e.g. acquirer, bank, scheme, downstream service provider). These payment transactions are carried out in real life.

In the test system (Downstream) mode, payment transactions are forwarded to a downstream test system. This is not available for all payment methods and is noted in the corresponding payment method documentation.

As well as the simulation mode: In this mode all payment processes within 

Response Codes

Scope of services of

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Overview of supported payment methods

The role of

Credit cards
	The  Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Name PageWithExcerpt Wording processes all major credit cards and currencies worldwide. Integrated fraud prevention and risk management is available for your security. Our standardized settlement files (EPA) guarantee straightforward reconciliation processes in your accounting.
	Visa Secure and Mastercard ID Check secure your payment claim by a password if a customer disputes the payment later. American Express with SafeKey and Diners Club / Discover with ProtectBuy also uses the 3D-Secure technology, which means that the card holder must additionally confirm his identity with a password.
	Payments with the Brazilian credit cards Hipercard, Elo and Aura can be processed via the Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Kurz PageWithExcerpt Wording . Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Partner-Name PageWithExcerpt Wording offers extensive support for the control optimisation as well as foreign currency conversion.
	In China the  Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Name PageWithExcerpt Wording is connfraected to local acquirers such as Alipay, 99bill, ChinaPay or LianLian, to process card payments with China Union Pay (CUP). Payment is optionally in EUR, US-Dollar, GBP or RMB. This is how to gain access to the Chinese market.
	Be2bill is specially optimized for the “Cartes Bancaires” credit cards which is widely used in France.
KoreaCC	KoreaCC is a payment method which enables Korean merchants (based in South Korea) to offer domestic customers (with Korean credit cards) a credit card payment method.
Cofidis
1euro.com
Cetelem
Facilypay

Debit cards
	Maestro is the international debit card standard and offers merchants a payment guarantee for E-Payment. The German girocard (EC card) is one such card. It is coupled to the giro account which is charged immediately. Maestro is seldom used in eCommerce.
	Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Kurz PageWithExcerpt Wording allows you to process direct debits with and without payment guarantee. Direct debits are very popular with customers. Almost 50% of transactions in Germany are settled by direct debit. The payment method is fully SEPA compatible.
	The combined credit- and debit card Dankort gives access to 3.5 million card holders on the Danish market.
	Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Kurz PageWithExcerpt Wording is managed by Carte Bancaire payments and the Carte Bleue Nationale offers access to around 3 million French card holders who do not own a credit card.
	Around 6 million Belgians have a Bancontact/Mr Cash card. Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Kurz PageWithExcerpt Wording also opens up this customer potential.
	Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName Platform-Kurz PageWithExcerpt Wording also offers use of debit cards from PostFinance, market leaders in Switzerland. This opens up access to over three million account holders.

Debtor management
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fraud prevention

Services for credit and debit cards

You can submit credit card payments and debit card payments either online via the Merchant Interface as a batch file or via the SSL-Terminal. The following table describes the services of

Services for transfers and direct debits

You can submit electronic direct debits either online via the Merchant Interface, as a batch file or via the SSL-Terminal. The following table describes

Payment methods available

This chapter gives a short introduction to the operating principle of the payment methods offered by

Credit card payments with TLS

The credit card is a widely used international payment tool on the Internet. Transport Layer Security (TLS) is successor of Secure Socket Layer (SSL) and an asymmetric encryption method in the Internet which protects credit card data against tapping and manipulation, during transfer for example. In the case of credit card payments with TLS the card holder enters the credit card data in a form which is encrypted with TLS.

Entry form with TLS-encryption for credit card data

For safety reasons an SSL certificate is required for TLS-encryption.

Transaction procedure with TLS-credit card payments

In the case of TLS-payments the customer chooses the Credit card payment method at the Internet checkout. The customer is then requested on an TLS-encrypted page to input the credit card number and expiry date. The

Credit card payment with TLS checks the credit limit of the customers but offers no protection against fraud using stolen card data. Please note therefore the security processes Visa Secure, Mastercard ID Check and American Express SafeKey in the following chapter.

In the case of American Express payments

Credit cards with Visa Secure, Mastercard ID Check and American Express SafeKey

Mastercard ID Check (UCAF), Visa Secure (VbV) and American Express SafeKey are authentication methods which verify the identity of the card holder before making the payment. The name 3-D Secure used by technicians describes only the protocol. The correct brand names are Visa Secure, Mastercard ID Check and American Express SafeKey.

Merchants benefit from authentication with Verified by Visa, MasterCard SecureCode or American Express SafeKey because the card associations enact a liability shift: If you use Visa Secure, Mastercard ID Check or American Express SafeKey you benefit from a secure payment claim, the liability shift transmits the default risk to the card-issuing bank in case of a successful customer authorisation, should the customer dispute the payment. You obtain in effect a payment guarantee in case the customer asserts that it has not implemented the credit card payment itself.

From a technical perspective Visa Secure, Mastercard ID Check and American Express SafeKey are not payment methods but an authentication process which precedes the payment: Once the credit card data has been entered,

Transaction procedure with Visa Secure, ID Check or SafeKey

The customer selects the Credit card payment method in the Internet shop and enters the card number and expiry date.

The subsequent authorization contains the 3DS 2.1 identifier so that the acquirer and the card-issuing bank can carry out the authorization with the identifier.

ELV Score: Direct debit with block list check

Since there are substantially more accounts than credit cards, many Internet purchases are paid for by direct debit. The direct debit process is unsafe for merchants without a block list check: in the case of SEPA direct debits there is no authorisation because it is not possible to carry out a credit rating on the account of the customer. There are frequently return debit notes due to lack of funds in accounts.

The block list check links the benefits of the direct debit with the security of a block list check and individual sales limits.

Transaction procedure of a direct debit payment on the Internet

In order to pay with a direct debit, the customer selects the Direct debit payment method at the Internet checkout and enters his account details on an Internet page. This Internet page is TLS encrypted to protect the account data during the transmission against tapping and manipulation. After the input

International direct debit payments via PPRO International Direct Debit (IDD)

Electronic direct debits over

Money transfer with giropay, eps, iDEAL and DIRECTebanking

giropay is a standard which was founded by the German banks Sparkasse, Postbank, Volks- und Raiffeisen Banken. The giropay online transfer has a number of advantages for merchants. Firstly giropay provides the vendor with a guarantee for payments of up to 10,000 euros; secondly the transfer is a prepayment which minimises the payment term. Last but not least the customer is using the familiar and trusted online banking of its own credit institution, just the same as with online banking.

giropay links customers directly to their banks

Dutch banks established the iDEAL money transfer standard, which works in a similar fashion to giropay in Germany. Approximately 70% of all e-commerce payments in the Netherlands are processed with iDEAL. Therefore offering iDEAL is a vital success factor for e-commerce business in the Netherlands.

In Austria

Example of an online transfer procedure with giropay

In the first step the customer chooses the giropay payment method at the checkout of the online shop and selects its credit institution. The customer is then connected directly to its Sparkasse/bank and logs on as normal using a PIN. A pre-completed transfer form then appears. The customer need only enter their TAN to confirm the payment.

In the Netherlands the procedure of an iDEAL online transfer is similar but there is an unlimited payment guarantee.

Entry of giropay TAN into the transfer form

Entry of giropay TAN into the transfer form

As usual with online banking, the data disclosed in the online transfer is encrypted with TLS (Transport Layer Security) to prevent manipulation.

Internet addresses with information about online money transfers

International online transfers

Przelewy24 in Poland

Przelewy 24 is supported by 18 large banks and reaches 95 % of the polish customers in online banking. The system has no transaction limit and directs customers via its online banking environment directly to the payment processing.

PostFinance Yellowpay in Switzerland

The PostFinance-Bank’s Yellowpay online transfer operates without a transaction limit, but with a payment guarantee for the merchant and reaches about one million customers with online accounts in Switzerland.

POLi in Australia and New Zealand

Over POLi you can reach 90 % of the customers in Australia and New Zealand – after all, that’s 33 million online banking customers. There is a transaction limit of 9,999 AUD.

TrustPay in Eastern Europe

TrustPay provides a real-time online transfer system in Central and Eastern Europe under the supervision of the National Bank of Slovakia. Numerous banks and the respective currencies of the participating states – Slovakia, Czech Republic, Türkey, Hungary, Estonia, Latvia, Lithuania, Croatia as well as Slovenia – are supported.

SafetyPay in Brazil, Costa Rica, Germany, Colombia, Mexico, Nicaragua, the Netherlands, Austria, Panama, Peru, Spain

SafetyPay, whose head office is in Florida, offers an international system for online bank transfers, with which the customers pay for international purchases in their own currency using their familiar online banking system. Merchants reach about 250 million potential bank customers in this way.

Trustly in Scandinavia, Poland and Spain

Founded in 2008 Trustly is a technology enterprise from Sweden, which enables secure and convenient payments via online banking for the customers. Trustly offers Collecting as well as an automated credit via API and reconciliation files for all supported acquirers (all 21 main banks in Sweden, Denmark and Finland). Trustly is FSA regulated.

AmazonPay

With AmazonPay you offer your customers the level of comfort which they are used to with Amazon: Simply select delivery address from the address book, define payment method and confirm the order. Done.

AmazonPay is available in Germany, Great Britain and the USA. Amazon.de alone has around 16.7 million customer accounts. Amazon customers know the ordering procedure and trust it. This trust and the familiar procedures can improve the conversion rate of your shop. Last but not least, AmazonPay offers a payment guarantee.

AmazonPay starts with the Amazon login in a popup window. The individual widgets then permit the selection of the addresses and methods of payment saved by the customer at Amazon. Amazon makes these details available to the

PayPal Express Checkout

PayPal offers its users several payment methods

PayPal was a subsidiary of eBay and is widespread amongst eBay users worldwide. The old PayPal-standard solution however has required manual processing for reasons bound up with the history of eBay.

Customers in more than 100 markets

PayPal is particularly useful for customer purchases abroad since

Seller protection and address verification

PayPal Express Checkout Fewer order cancellations

Long order processes increase the rate of cancellations.

PayPal Express Checkout button

If the customer selects Continue to Checkout instead of PayPal Express Checkout in the shopping cart area, PayPal is displayed again as a payment method on the payment page. Selecting PayPal lets your customer log into PayPal to confirm the payment. In this case it is important that the delivery address is transmitted to ensure that the PayPal seller protection is activated.

Process optimisation for PayPal payments

Along with standard processing,

Wallet system: Skrill (Moneybookers)

Skrill from Moneybookers has around 21 million, mostly younger, account holders from the gaming sector, ranks alongside PayPal as one of the world’s largest wallet systems for online payments. Skrill is available in 200 countries with 41 currencies and offers merchants a payment guarantee without chargebacks as well as the possibility to process credits (refunds).

Web page with information about Skrill

Guaranteed payments on invoice

With payment by invoice you can reduce the number of uncompleted orders in your online shop by up to 81%. This increases your turnover and your sales. Therefore

Provider logos for guaranteed invoice purchase

Full service from Klarna and Ratepay

With Klarna and Ratepay you profit as a merchant from a full invoice and hire purchase service. All you have to do is pass on all the invoice data during the order to the service provider, who then takes over the complete billing and debtor management. That than takes over the complete billing and debtor management. Your customers gain financial flexibility with Klarna, since they can choose between invoice purchase and hire purchase. Furthermore Ratepay offers classical hire purchase and SEPA direct debit.

Klarna already offers invoice purchase and hire purchase in many European countries.

Internet addresses of Klarna, Rateay and afterpay

Guaranteed hire purchase

Rate payment within the online shop motivates your customers to order high value baskets. This also increases your turnover. Therefore 

As a

Provider logos for guaranteed hire purchase

As merchant you benefit from rapidly available liquidity. With Klarna, Ratepay and afterpay your customers increase financial flexibility, as they can define the instalment amount themselves.

Debit payments in England and Denmark

Debit cards are more widespread in Europe than credit cards. Direct debit, bank- and savings banks cards (formerly ec-Cards) are extremely popular in Germany. Our European neighbours also prefer to use debit cards. 

With 23 million card holders, Maestro offers huge customer potential in the UK.

Notice: In the UK Maestro replaces the old Switch/Solo-Cards. It works there without SecureCode but does require an address verification. Outside the UK Maestro functions worldwide only with SecureCode (see also next chapter).

Logos of the debit cards in France, England and Denmark

In Denmark you can reach around 3.5 million card holders with the Dankort-solution. The significance of Dankort is also demonstrated by the fact that the Danes make 535 million payment transactions annually using the Dankort.

Maestro worldwide and in UK

250 million people in Europe own a Maestro card. Maestro offers a potential of 570 million customers worldwide. In the UK Maestro replaced the former Switch-Cards and therefore works a little differently to the rest of the world:

Notice: Maestro with SecureCode does not function in the UK for all cards!

The customer potential of 570 million Maestro card owners worldwide is very attractive for merchants with customers abroad. Since 2006, 250 million card holders in Europe, for example the British and the Austrians, have been able to use their Maestro card on the Internet. However while the Austrians must first apply for a SecureCode password to use their Maestro card online, 23 million British people can now use their Maestro on the Internet without a SecureCode.

Logo from Maestro

All current payment solutions for Maestro to date however only work with SecureCode, which the 23 million British card holders do not have. Therefore

Along with worldwide distribution, Maestro has several benefits for business: firstly the discount costs are generally lower than with credit cards and secondly you benefit from shorter payment terms. Business also benefits from a secured payment claim in the Maestro SecureCode. Maestro therefore has much to recommend it, particularly for merchants with customers abroad.

paysafecard and Barzahlen

Logos from paysafecard and Barzahlen

Paysafecard is widespread in the gaming, gambling and adult content sectors. You can tap into additional target groups with this prepaid system:

• customers who do not want to disclose personal data such as bank account or credit card number
• young people who are denied access to classic payment systems such as credit cards
• customers who do not obtain a credit card from their bank
• as well as customers who prefer to pay with paysafecard

The prepaid system is international: the paysafecard Group operates in more than 40 countries in Europe as well as in North and Latin America and processes around 20 million prepaid payments annually.

Barzahlen is aimed at all customers in Germany who are unwilling to enter their sensitive data online, and those who do not use credit cards or online banking. An alternative to cash on delivery, Barzahlen is quicker and less expensive. Customers pay the amount to an associated retailer, on the basis of a payment form; the retailer transmits a payment confirmation in real time to the online shop so that the goods can be dispatched quickly.

Web links to paysafecard and Barzahlen

Address-checks and credit rating

Popular with customers, risky for the merchant: Payment methods such as direct debit or purchase on account involve a high level of default risk.

SecurePay is integrated directly into the

Logos from providers of address checks and credit ratings

As it is integrated into the interface between the online shop and

The use of SecurePay gives online merchants many more options in addition to credit card acceptance while minimising the risk, enabling them to compile individual payment options including electronic direct debits and even purchase on account for their customers. The pre-transaction credit rating means maximum possible payment security for the merchant with a substantially greater and therefore more customer-friendly package of payment methods.