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Pay only for purchases you have authorized with your Luxury Card, whether you pay in a store, over the phone or online. As a Cardmember, you are not responsible in the event someone makes unauthorized purchases with your card.

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A successful reversal cancels the authorisation code of the transaction, ensuring that there are no funds reserved against the card. The full transaction response is then returned to you, including the result of the AVSCV2 check and the reversal request.

The Service requires no additional configuration of your account. The policy is chosen from a short list of options and can be over-ridden on a per transaction basis if required.

The policy is chosen from a pre-defined short list of options. There is much greater flexibility than with the standard policy.

Each time a transaction is submitted to the MasterCard Payment Gateway,it contains the information that determines the model to be used for that transaction.

This ensures you have the flexibility to mix and match policies as required on an individual transaction basis - for example, you may wish to have a higher level of checking on your larger value orders.

When choosing a policy, it is important to ensure that enough information is collected from the customer to pass the check. This will allow you to receive and monitor the results of the checks without rejecting transactions before choosing.

It treats the address and postcode as a single element. When a AVSCV2 check is performed using the default policy, the results of each individual element of the check are converted into a single standard response for the entire transaction.

This conversion is performed using a set of rules provided by your Acquiring Bank. This gives increased flexibility, as it allows you to alter the policy on a per transaction basis.

A policy value of 0 zero cannot be used as a standard policy, only as a default policy. The remaining policies are unchanged.

Instead of choosing from a short list of pre-defined policies, the extended policy allows you to precisely define the results of each of the elements which are acceptable to you.

When using the extended policies, the results of each individual element of the check are returned to you in the transaction response. To incorporate the full AVSCV2 service into your payment process, the following information needs to be collected from the card holder:.

In addition you will also need to choose a policy, which should either be configured on your account for default policy, or submitted with the transaction for the standard and extended policies.

If you wish to perform only part of the AVSCV2 check, the full customer details do not need to be collected. For all AVSCV2 checked transactions, the results of the check and the policy used will be returned to you.

American Express have advised that they may at some stage in the future require merchants to collect all three items of data to guarantee a successful transaction.

The result of the AVSCV2 check will be returned to you, together with the authorisation code and the result of the request to reverse the authorisation code.

The URU Service allows the identity of your customers to be verified, using data collected from the customer. The Service can be used in many different ways, for example: In addition to the transaction type specific information, all transactions also require:.

A unique reference generated by your system - to allow transactions to be distinguished from each other. Support is also available to submit information in the transaction to allow different URU accounts to be used for different transactions.

Login details for the account that should be used need to be supplied for this type of transaction. Many pieces of information can be used to authenticate a customer.

At least one from the following list must be gathered to enable authentication. There will be additional data in the responses depending on the type of the transaction.

Each element of the URU service used for verification will return detailed response codes and information about each test performed. The response codes fall into four main groups:.

The interpretation of these scores is dependant on the configuration at the URU side of the transaction. MasterCard Payment Gateway Services will return the score value for any transaction that is thus enabled.

Interpretation of the score is the responsibility of the merchant. Full details of the individual response codes and how they relate to the data submitted are available from GB Group.

This is complimented by a Direct Credits service, which can be used for paying into bank accounts and credit card accounts, and to process Direct Debit refunds.

Open up to customer not present sales channels with convenient and popular Paperless Direct Debits. Reconcile transactions easily with payment history incorporated into the MasterCard Payment Gateway Services Reporting suite.

Further detailed information to assist integration with the Service is available in the Developers Guide. Direct Debit is a simple way for you to collect regular or occasional payments from your customers.

This check takes place in real time, ensuring that any data entry errors can be identified and rectified immediately.

Once the DDI details have been validated, the next stage is for it to be set up against your customers bank account. This process is called settlement.

This processing of the instruction takes five working days from the time of submittal. Using the MasterCard Payment Gateway Services solution, you have the option to either generate and submit each individual drawdown to the DPG or the DPG can generate these automatically and email the results to you.

Further information about the automated drawdown Service is available here. Whichever generation mechanism you choose, the settlement process for drawdowns is the same.

This process takes three working days. The Direct Debit Guarantee enables your customer to cancel their DDI by contacting their bank or building society directly.

Using the MasterCard Payment Gateway Services Service, information about these cancellation advices can be automatically collected by the DPG on your behalf if required.

These are then used to update our records and can be emailed to you. If you wish to cancel a DDI - either because the customer has contacted you directly, or it has expired on your system - this can also be done through the DPG.

The settlement process for revokes is the same as for the DDIs themselves. MasterCard Payment Gateway Services can also collect on your behalf, information about any changes to your setups.

If you wish to use this feature, you will also need:. Each DDI can be processed in the model of your choosing - there are no restrictions, additional service charges or extra account configurations required.

Each time a DDI is submitted to the DPG, it contains the information that determines the model to be used for that transaction. In both models, the customer details are validated and the result returned to you in real time.

The One Stage model validates the customer details and activates the instruction without additional effort on your part. The details are submitted to BACS the next working day.

The Two Stage model also validates the customer details in real time, but does not activate the instruction. Validates the DDI detail only.

This allows you to delay the full setup of the instruction until up to a maximum of twenty eight days after the presetup. This can be useful if you are waiting for a signed DDI from your customer before completing the setup process.

If you wish a particular drawdown to be flagged in a different fashion, this can be done by using transaction codes. If you wish to cancel a drawdown prior to settlement, this can be done by submitting a cancel to the DPG.

Each transaction requires specific information to be provided. In these cases, in addition to the information above, an extra flag is used to indicate whether the DDI is a conversion or a transfer.

Please refer to the Developers Guide for full details. To submit a drawdown, the following information should be supplied:. An acknowledgement response indicates that the transaction has been successfully entered into the DPG and will be sent to BACS for processing.

This does not guarantee that the transaction will be successfully processed by BACS however. The Direct Debit Scheme provides excellent customer protection by allowing both the DDI and drawdowns to be queried or cancelled by the customer.

If BACS are unable to process the transaction for whatever reason, they will notify you directly. These will be used to update our records to prevent further drawdowns being sent to your bank on those setups.

In addition, these will be mailed to an email address of your choosing, in an attachment of standard CSV format to allow you to automatically update your own systems.

There are six main pages: This Service enables you to quickly and easily return funds by Direct Credit, to any customers with a UK bank account accepting Direct Credits.

There are two parts to the Service: Both transaction types require specific information to be provided. If the DDI has already been revoked, it may still be used for refunds.

Both transaction type requires specific information to be provided. This type of payment is generally used when funds cannot be returned to a credit card account using the Credit and Debit Card Service.

There are two parts to this Service: This database is regularly updated to ensure the latest details are always available. To perform a payment to a card collection account, the following information about the card can be collected.

MasterCard Payment Gateway Services supports a range of services designed to process your subscription and instalment payments by Bank Card and Direct Debit.

There is a range of "flavours" available to suit your requirements including: Set up a recurring payments schedule with one instruction and let MasterCard Payment Gateway Services manage all subsequent transactions on a recurring transactions merchant ID Not needed for Direct Debits.

Fire and Forget is suitable where instalments are of fixed amounts, although the first and last payment may vary, e. A home entertainment company could invoice a customer for a TV with payments spread over 36 months on a fixed payment plan.

MasterCard Payment Gateway Services then allocate a unique reference number to that card. This allows you to send through subsequent authorisation requests on a recurring transactions merchant ID using only this reference number.

The amount and frequency of each instalment can vary, e. A mobile phone company could invoice a customer each month for call charges incurred in the previous month.

Subsequent authorisation requests can then be sent through on a recurring transactions merchant ID, allowing you to instigate each payment on that card.

This can be achieved by the merchant initiating repeated transactions using the same account or card details. Using one of our Recurring Transactions models, however, achieves the same outcome with one or more of the following benefits:.

Note that Recurring Transactions is also known as Continuous Authority, where the end user has authorized continued debits against their account or credit card.

Direct Debit or one of the Credit Card models. For credit card transactions acquiring banks have special treatment for transactions flagged as RT, and there are restrictions such as.

Some models have a concept of an account, where a setup transaction must be sent first. This setup transaction stores the account or card details for future use, and may detail when regular transactions should take place automatically or initiate a bank transaction immediately.

Models that use an account have a specific section of Reporting that can be used to view the history of transactions associated with a particular account.

Testing on the production servers is not recommended and restrictions may be applied in the future. This account contains the details of the frequency and value of regular payments.

For each payment which is found, a drawdown will be generated. You will receive an email notifying you of all drawdowns generated on that particular day.

There are many different ways in which the Direct Debit Continuous Authority Service can be implemented. Each account can be set up to create drawdowns in one of these frequencies:.

If a particular payment date falls on a non-business day, the payment will be taken on the next available date. As well as the frequency of payments, the number of regular payments to be taken from the account can be specified:.

Accounts can be cancelled before completion without also cancelling the underlying DDI. The values or timings of the payment need to change - for example, increasing the price in line with inflation.

The old account can be cancelled and a new account can be created against the existing DDI, without requiring a new DDI to be issued to your customer.

Payments from the account need to be halted or suspended, but re-instated at a later date on the same DDI. The account setups and cancellations each require specific information to be provided.

There are several options available when setting up a continuous authority account. To set this type of account up, a particular set of data is required.

This set of data is required for all types of account, with extra information being added to it to create the other account types. The following sections introduce the data required for the most basic type, then move on to the extra information required when setting up accounts utilising the additional features.

If the total number of drawdowns to be taken is known in advance, this can be pre-configured into the account.

When setting this type of account up, the information required is exactly the same as that required for an unspecified number of payments, though a single extra piece of information is required:.

To set an initial payment to be different from the regular payments, these fields should also be provided:. Using the specified number of payments account type, it is also possible to set the final payment to be of a different amount to the regular payments.

The additional information required for this is:. By default, all payments taken from the continuous authority account are flagged as normal payments.

An Accepted response indicates the account has been successfully set up and will be used to generate drawdowns. Details of these cancellations will also be emailed to your choosen address in CSV format.

There are five main pages:. The Fire and Forget Continuous Authority Service enables you to automatically collect regular recurring payments from any Amex, Visa or Mastercard branded card, without needing to design a system to submit the individual transaction requests to the DPG.

For each payment which is found, a transaction will be generated and sent to your bank for authorisation.

You will receive an email notifying you of all transaction generated on that particular day and their results. Using this Service, each transaction can be processed with either the one stage or the two stage processing models.

The transactions can also be cancelled and refunded if required. There are many different ways in which the Fire and Forget Continuous Authority Service can be implemented.

Each account can be set up to create payments in one of these frequencies:. If a particular payment date falls on a non-calender day, the payment will be taken on the next available date.

When specifying a set number of payments, a final payment can also be set for a specific date and value, if required.

If an initial payment - for a different value from the regular payments - needs to be taken, this can be specified, along with the date of the payment.

Accounts can be cancelled before completion, and the individual transactions generated from them can also be cancelled if required.

The old account can be cancelled and a new account can be created. The contract has been cancelled - either by the customer or yourself - and so the account is no longer required.

Prevents any unsettled payments from being settled and prevents any future payments from being taken from the account.

When setting up an account, the normal transaction and card information should be provided. In addition, there are additional pieces of information about the payments which need to be provided:.

If the total number of payments to be taken is known in advance, this can be pre-configured into the account. Both accounts and the transactions generated from them can be cancelled if required.

Once a transaction is accepted, your system can complete the normal ordering process. This can be used to automatically update your own systems.

You will also be notified of any cards which will expire before the next payment is due. When payments are taken from an account, the reference number for the payment will be the reference number of the account followed by four characters indicating how many payments have been taken from the account.

An error indicates that the account could not be set up. When the first payment is taken from the card, an account is also set up at MasterCard Payment Gateway Services.

When you wish to perform a recurring payment, the details of this account are passed to the DPG instead of the card details.

This allows you to remain in control of the timings and value of each payment, while removing the need to store sensitive card details within your own systems.

There are three stages to setting up an account and taking payments from it: Once the payment details have been collected and sent to MasterCard Payment Gateway Services, they are immediately sent to your Acquiring Bank for authorisation.

Your Bank forwards the request to the Card Issuing Bank. The Issuing bank checks the card details against their own systems and return an authorisation code if they approve the transaction.

The full transaction response - including the outcome of the transaction and details of the account - is then passed back to your system.

The result of this transaction is then passed back to your system. Performs an initial charge against the MID of your choice. If successful, it also sets up the account for the card.

This should only be used if you have previously processed recurring transactions for the customer, but are transfering the processing of these to MasterCard Payment Gateway Services.

When you wish to take subsequent payments, the following information is presented in the place of the card details:. Both accounts and transactions can be cancelled.

This means the basic Response types for this service are:. It operates in a very similar way to the Bank Card Service.

If you are already using the Bank Card service, the Capture Method Service can be added easily to your existing processes as it only requires one single extra piece of information to be submitted with each transaction.

The initial transaction on a card is flagged for your normal MID and all subsequent debits are flagged for your recurring MID. If you wish to return funds to the card, this should be done using your normal MID.

Each Capture Method Recurring Transaction can be processed with either the one stage or the two stage processing models.

In addition, the capture method for each transaction needs to be specified. The capture methods are:. Transactions can be Accepted, Declined and Referred.

Tokenization solution enables merchants to convert Bank Card numbers into tokens either during a Bank Card authorisation as a bi-product , or to migrate card data to MasterCard Payment Gateway Services in return for a unique 40 character alphanumeric token card tokenization or a 16 numeric digit MasterCard Payment Gateway Services reference number payment tokenization.

The token or reference number can then be submitted for all subsequent payment requests, thus removing the burden of storing sensitive card data internally and reducing PCI DSS compliance requirements.

MasterCard Payment Gateway Services offers two options within the Tokenization Solution, of which the key product feature differences between each are highlighted below: Cards tokenized as a bi-product of processing successful transactions or via a standalone tokenization process without authorisation.

Functionality On a successful authorisation a unique transaction reference is allocated to each transaction and returned to the merchant.

The reference can be used in place of the card number with the merchant only needing to capture the card security code CVV and expiry date to authorise subsequent transactions.

References for subsequent payments are only obtained as a bi-product of processing successful transactions. Functionality If configured for the tokenization service, a merchant will receive a token in the response to an authorisation request.

Only invalid transactions will not receive a token in which, case an error message is sent to the Merchant. The token can be used in place of the card number with the merchant only required to capture the card security code CVV and expiry date to authorise subsequent transactions.

Tokens for subsequent payments are obtained as a bi-product of transaction processing or via a standalone tokenization process during which a token is generated but no authorisation occurs, enabling Merchants to batch send card numbers for token generation.

The token is unique to the card number not the transaction. Pre-set Expiry Date Each reference has a pre-set expiry date of 13 months. Merchants receive a new reference in response to each transaction and should always store the last reference for processing the next payment.

Dependent on the action the Merchant wishes to take, the payment flow experienced for both solutions will differ.

Possible examples are explained below: MasterCard Payment Gateway Services will validate the token has been generated from a previous transaction or tokenized request.

References used for the purposes of an authorisation request can only be obtained as a bi-product of the transaction authorisation process.

Suitable for merchants wishing to clear internal systems of sensitive card numbers were these were traditionally stored.

It enables new transactions to be performed on any credit or debit card which has previously been successfully authorised on your MasterCard Payment Gateway Services account within the last 13 months.

When using this service, the details of the previous transaction are passed to the DPG with the transaction, instead of the card details.

The DPG locates the earlier transaction and uses the card details from it to submit another authorisation request to your Acquiring Bank. This means you do not need to store sensitive card details on your system.

The transactions can also be cancelled and refunded, if required in exactly the same way as for Bank Card transactions.

Any transaction which has been successfully authorised in the last 13 months can be used as the basis for a Pre-Registered transaction, regardless of its settlement status.

To submit a Pre-Registered transaction, the information required is very similar to that needed for the Bank Card Service. These pieces of information are supplied instead of the full card details:.

The Reporting System has the functionality to search for all Pre-Registered transactions submitted from a particular initial transaction.

The MasterCard Payment Gateway Services reference numbers for existing transactions can also be retrospectively downloaded from the Reporting System, if you do not have access to them via your own system.

The Card Tokenization Service allows merchants to store card data relating to a transaction in the form of a token, without storing the actual card number.

This enables further payments to be made by supplying the token in place of the card number. A merchant who captures card data before passing it to MasterCard Payment Gateway Services is still responsible for ensuring their systems are PCI compliant.

When using this service, there are two stages. The first tokenizes card details as they are used. The second stage is to use that token for a subsequent transaction.

Tokens will be generated each time a card payment is submitted to your account. Tokens can also be generated without making a payment on the card and may be shared across multiple accounts.

When you wish to take a payment from a card token, simply send the token in the place of the card number. Using the Card Tokenization Service, there are three ways in which cards can be allocated tokens.

Once a card number has been tokenized by any one of these three methods, it may be used in place of the card number for any transaction. In addition to those listed, each requires a client and password - these are security details which identify your account.

Once the Card Tokenization Service is configured on your account, all attempted authorizations and query transactions will automatically return the token for that card.

If you wish to tokenize a card number without attempting authorization, the following details are required:. All transactions will automatically use the shared secret key which is configured on your account.

If you wish to use a different key, this may be supplied within the transaction. In order to use an existing token to take a payment from, simply supply the token instead of the card number.

As the token only relates to the card number, any other information specific to the card - such as cv2 and expiry date - must be supplied separately if this is required for the transaction type you are using.

Any existing token may be cancelled and replaced by a new one, if required. This is done by sending a tokenize transactions, along with a new shared secret key.

There are three different ways in which authorisations for the Service may be submitted: In this mode of operation, no transactions are submitted to the DPG for authorisation.

The transactions are manually authorised and their details are stored in a log. At the end of the day, all the transactions in the log are submitted to the DPG for settlement, along with the authorisation code.

This can be done using the Batch Input Service if required. Using this mode of operation, all transactions are submitted to the DPG for authorisation in real time.

They are submitted to the DPG at the end of the day, and are automatically settled. The transactions may be cancelled before settlement if required.

They are manually authorised and are retained in a log which is submitted at the end of the day. A transaction can be cancelled by providing the same information as for the Bank Card Service.

If you require the transaction to also be reversed, can also be indicated in the transaction. In addition there are various error codes that can be returned.

Many of these are general error codes which may also be generated by the Bank Card Service, but there are some errors that are specific to the Card Holder Present Service.

Illustrations and suggestions are given to help you prevent them from occurring. This means that once the payment details are submitted to the DPG, if a communication error prevents you from receiving any response, you may use the allocated reference number to check on the status of the transaction using the Reporting facility, or to automatically cancel the payment.

This service may only be used for Card Holder Present transactions. Enables any subsequent payment request to be cancelled, even if the result of the payment is not known.

In addition to the standard fields mentioned above, you mustprovide the following information when preallocating a reference:.

A unique reference number generated by your system - to allow the transactions to be distinguished from each other. When taking a payment using a pre-allocated reference, exactly the same information must be presented as for the Chip and PIN service, with the allocated reference number taking the place of the reference number.

Cancellations and reversals of the transactions using this Service are performed in exactly the same way as for a normal Chip and PIN transaction. This page will not be available for any unused preallocated references.

The solution fronts the rich functionality and high service level payment processing already provided by the MasterCard Payment Gateway.

Consistent functionality includes multi-currency, multi card type, high availability, security, resilience, fraud prevention tools and access to the management reporting system.

The solution is easily integrated with any existing Merchant website, call centre or mobile app, allowing retained control of look, feel and branding and preventing customers from feeling they are being moved to another site to make payment.

Sensitive card data is entered within a secure page hosted by MasterCard Payment Gateway Services — Merchants are given the flexibility to display this page using a pop-up, redirect or iframe model.

MasterCard Payment Gateway Services can provide a default page template as a guide, which Merchants are then able to customise as they see fit providing mandatory data fields remain unchanged.

The solution can be used as an extension to an existing MasterCard Payment Gateway Services integration with minimum changes required to a Merchants payments workflow.

Placeholders are available to allow the Merchants to display dynamic fields on the payment page — e. Used to capture additional information from the Card Holder which is returned as part of the query transaction.

Card Type Identification - Available Facilitates the determination of card Scheme prior to the authorisation process. This gives the option to merchants to levy different charges based on the card Scheme.

When a card transaction is processed using HCC hosted model, the three following actions are made, each of which makes a call to the MasterCard Payment Gateway:.

Setting up an HCC Session: The session ID can be used to track the data that is supplied. It is worth noting, that throughout this process, there is no need for the customer to see any signs of leaving the Merchants site at any point.

Querying the Captured Data: The response to this request will also include card scheme, country of issue, expiry date, card issuer and the masked PAN card number where applicable.

The query transaction allows the identification of the card Scheme pre-authorisation and therefore allows for the levying of different charges based on card Scheme.

After this stage the transaction is completed. The Hosted Payments Service enables the payment process to be performed on a customisable webpage hosted by MasterCard Payment Gateway Services, rather than capturing sensitive card details on a website or call centre application.

Payments can be made using Credit cards, Debit cards and PayPal. Once the customer is ready to proceed to payment, your application sends a request to MasterCard Payment Gateway Services.

This include information that has been collected on the customer from the website or call centre application.

A Hosted Payment Session will be created for that transaction and an XML response returned containting details which are used to re-direct the customer to the Hosted Payment Page.

Once the customer has entered these details, they will be stored by MasterCard Payment Gateway Services. If the transaction has been flagged as an e-Commerce payment and 3-D Secure is required, MasterCard Payment Gateway Services will manage the cardholder authentication process.

This page enables the card holder to authenticate themselves directly with their Issuing bank before being returned to a pre-determined URL. If the card is not not enrolled for 3-D Secure or 3-D Secure has not been requested, MasterCard Payment Gateway Services will mangage the payment through to completion and then re-direct the customer to a pre-determined URL.

The customer authenticates themselves and is re-directed back to the Hosted Page to confirm the payment. To obtain details of the outcome of the payment, your website may send a followup transaction.

This will returns details of each payment attempt. Each day, MasterCard Payment Gateway Services collate all the completed authorised transactions and submit them to your Acquiring Bank, who then settle the transactions.

A valid secure return URL on your website. A default page will be used if you do not provide a customised one. A customised error page configured on your MasterCard Payment Gateway Services account, to be shown if the customer reaches the maximum payment attempts configured on your account.

A valid expired return URL on your website. The design of the hosted page is fully customisable. Multiple pages may be configured on a single account, enabling the design of pages for different regions and brandings.

Pages could be created in languages other than English and can be designed to return specific errors back to the cardholder in that language.

The maximum number of payments attempts may also be configured. Nine place holders are available to show additional information on the payment page.

Examples of information commonly displayed on the payment page via a place holder is Cardholder Name or a Call Centre telephone number.

If you are using this model, you do not need to contact the MasterCard Payment Gateway Services servers to initiate settlement. If you are using this model, you will need to contact the MasterCard Payment Gateway Services servers twice - once for authorisation and again for settlement.

Each time a Hosted Payment transaction setup is submitted to the MasterCard Payment Gateway, it contains the information that determines the model to be used for that transaction.

In both models, the authorisation of the payment takes place in real time. Regardless of the transaction model you employ, each session setup request needs to be flagged with the following transaction type:.

Passes transaction information to MasterCard Payment Gateway Services and obtains details used to re-direct the customer to hosted page.

Once the cardholder has successfully completed the payment, it can be refunded or cancelled if required. The One Stage model will send transaction details to your Acquiring Bank for settlement on the next settlement day.

This process will charge the card holder without requiring any additional action from yourselves. Reserves funds on the card, but does not settle the transaction until a valid fulfill request is received.

Once the cardholder has been redirected back to your website, you will want to know the outcome of the payments attempted within the session.

This can be used with both payment models and payment types. The transaction type to use for this is:. Used to determine the overall outcome of the session.

Also used to gain detailed information about the individual payment attempts. Once your system has queried the result of the session, you may also query any of the individual payment attempts to determine more details about those transactions.

For card payments, one stage transactions and completed two stage transactions can be prevented from debiting or crediting the card using the cancel transaction type.

MasterCard Payment Gateway Services provide a specific transaction type to allow successful transactions to be refunded without needing the full card or customer details.

This enables refunds to be performed on existing transactions without the need to store the full card details or PayPal user information.

You may also include additional information to use additional services and trigger or enhance various fraudscreening techniques:.

If the first payment attempt is unsuccessful, the customer may re-attempt payment up the the maximum configured on the account. To obtain detailed information about these payment attempts, your website may submit a query for each payment attempt.

To settle a card transaction processed using the Two Stage process, a fulfill is needed. Only successful transactions can be fulfilled. To fulfill a successful payment attempt, information from the result of the query transaction is required, in addition to the transaction type:.

Multiple partial fulfill transactions can be submitted against a single pre, if your MasterCard Payment Gateway Services account is configured for Split Shipment.

The transfer funds from your customers PayPal account is initiated by your website. This may be performed immediately, or at a later stage:.

As PayPal accounts can be restricted by the PayPal fraud department at any time, the capture of funds cannot be guaranteed. It is best practise to capture the funds before the goods are shipped and not after.

If a transaction is declined, the cardholder may re-attempt payment, assuming the re-try limit configured on your account has not been reached.

This requires no extra action on your part and enables the system to be fully automated. There are a small number of error messages which can be displayed to the customer.

If a transaction generates an error message, the cardholder may re-attempt payment, assuming the re-try limit configured on your account has not been reached.

The Hosted Payment System itself can return a various error codes. The Support Centre also contains extensive examples for most error codes. These error codes will not be displayed to the customer, but will be available for you to review if a query transaction is submitted, or via Reporting.

The Hosted Card Capture Service allows the capture of card details to be performed on a webpage hosted by MasterCard Payment Gateway Services, rather than on your own website.

After this step is completed, the 3-D Secure Check, authorisation and settlement proceed as normal. Once your customer is ready to proceed with payment, your website or call centre application sends to MasterCard Payment Gateway Services basic information about the transaction.

The cardholder is presented with your card capture page appearing in the preferred method implemented - pop-up, iFrame or redirect , which will display appropriate branding and custom fields.

The cardholder then enters the information as required by the page. Once complete, the cardholder is re-directed back to your website. Your website may query the status of the capture process and obtain basic details about the card.

The design of the hosted page is fully customisable to your requirements. Multiple pages may be configured on a single account, enabling you to design pages for different regions and brandings.

Pages can be created in languages other than English and can be designed to return any errors back to the cardholder in that language.

Dynamic Data Placeholders within the hosted page can be used to specify text or images on the payment page on a per transaction basis - e.

Additional information such as cardholder name can be collected using Dynamic Capture Fields. You may also use either one step auth or two step pre-fulfill settlement.

They may also be cancelled. In order to obtain the URL to which the cardholder is re-directed, the following details are required:. To obtain the details of the status of the card capture, a query transaction can be sent, this requires:.

This will attempt authorisation on the card details entered by the cardholder. The information needed to perform these transactions remains unchanged, expect for two pieces of information which are supplied in place of the card details:.

The other transaction types utilised when processing a transaction via the Hosted Card Capture Service remain unchanged:. When using the Hosted Card Capture Service, the Bank Responses remain the same as if the payment page was hosted within your own website.

The Split Shipment Service allows you to perform multiple settlements against a single authorised transaction, retaining 3-D Secure liability shift for each settlement.

When performing a second or subsequent fulfillment using the Split Shipment Service your Acquiring Bank will be contacted for re-authorisation if 7 or more days have passed since the initial authorisation.

Once the initial pre transaction has been authorised, the funds for that transaction can be settled over several transactions.

Ordered Items are not available at time of original authorisation and will be shipped seven days or more after the original authorisation.

When performing a second or subsequent fulfill using the Split Shipment Service, one additional element is required in the fulfill request:.

Unique reference number generated by your system - to allow the transactions to be distinguished from each other. The Batch Input Service allows many of the MasterCard Payment Gateway Services to be utilised by submitting a batch of transactions, instead of submitting individual transactions as they occur.

This document is intended as an overview of the Batch Input Service. Further details about the aspects of the service are available in the links above.

The transaction details are first collated by your systems and placed into a file in a format specified by MasterCard Payment Gateway Services. We perform some validation checks on the file - including verifying the security details.

The results of this validation are returned within a response document. These individual transactions follow the same processing as if they had been submitted from you directly instead of via Batch Input.

In addition, you will also need to satisfy the requirements of each individual service you will be using. For each batch, either format can be used for the transactions.

There are no restrictions, extra service charges or additional account configuration required. The results of each batch will be available in the same format as the batch itself.

The two formats are available to enable you to select the format that is easiest for you to integrate with. Using the XML format will allow you to create a single batchfile which - for example - contains:.

If you have already integrated MasterCard Payment Gateway Services real time processing, choosing the XML format for Batch Input Processing will allow you to re-use existing functionality, as the formats for the individual transactions remain the same for both types.

As different transaction types require different information to be supplied, only transactions which contain the same type of information can be submitted in the same batch.

For example, this means that if you are using a two stage processing model, you cannot mix first stage and second stage transactions in the same file - two files would be needed.

The first is to submit the batch, and the second is to collect the results. Each time a batch is submitted to the MasterCard Payment Gateway, it contains the following information about the file:.

The details required for the transactions themselves will depend upon the exact details of the service that you are using.

Please follow one of the links for more details:. The results of this validation are returned in real time, allowing you to instantly know if there is a problem with the batch.

To allow you to quickly rectify and resubmit the data, MasterCard Payment Gateway Services will not proceed with further processing of any failed batches.

It requires no action on your part. The results of the individual transactions within a successfully processed batchfile will be returned in the same format as the batchfile itself.

For example, if an XML format file is submitted, the batch query will return the results of the individual transactions in an XML format.

The Batch Input Service allows many of the MasterCard Payment Gateway Services Credit and Debit Card Services to be utilised by submitting a batch of transactions, instead of submitting individual transactions as they occur.

As the data which needs to be submitted to perform Batch Input transactions for these services is the same as for real time transactions, please refer to this information via the links above.

The Address and Postcode check can be performed - where appropriate - for Batch Input transactions if these details are provided along with the card number.

As the data which needs to be submitted to perform transactions for these services is the same as for real time transactions, please refer to this information via the links above.

It offers any Customer with an email address a quick, easy and convenient method to pay for goods, using stored PayPal payment information and the PayPal Express Checkout facility.

As you would expect from MasterCard Payment Gateway Services, the integration of PayPal as an additional payment option has been designed to extend the transaction options and payment processing speed offered to Merchants.

Direct Debit or one of the Credit Card models. For credit card transactions acquiring banks have special treatment for transactions flagged as RT, and there are restrictions such as.

Some models have a concept of an account, where a setup transaction must be sent first. This setup transaction stores the account or card details for future use, and may detail when regular transactions should take place automatically or initiate a bank transaction immediately.

Models that use an account have a specific section of Reporting that can be used to view the history of transactions associated with a particular account.

Testing on the production servers is not recommended and restrictions may be applied in the future. This account contains the details of the frequency and value of regular payments.

For each payment which is found, a drawdown will be generated. You will receive an email notifying you of all drawdowns generated on that particular day.

There are many different ways in which the Direct Debit Continuous Authority Service can be implemented. Each account can be set up to create drawdowns in one of these frequencies:.

If a particular payment date falls on a non-business day, the payment will be taken on the next available date. As well as the frequency of payments, the number of regular payments to be taken from the account can be specified:.

Accounts can be cancelled before completion without also cancelling the underlying DDI. The values or timings of the payment need to change - for example, increasing the price in line with inflation.

The old account can be cancelled and a new account can be created against the existing DDI, without requiring a new DDI to be issued to your customer.

Payments from the account need to be halted or suspended, but re-instated at a later date on the same DDI. The account setups and cancellations each require specific information to be provided.

There are several options available when setting up a continuous authority account. To set this type of account up, a particular set of data is required.

This set of data is required for all types of account, with extra information being added to it to create the other account types.

The following sections introduce the data required for the most basic type, then move on to the extra information required when setting up accounts utilising the additional features.

If the total number of drawdowns to be taken is known in advance, this can be pre-configured into the account.

When setting this type of account up, the information required is exactly the same as that required for an unspecified number of payments, though a single extra piece of information is required:.

To set an initial payment to be different from the regular payments, these fields should also be provided:. Using the specified number of payments account type, it is also possible to set the final payment to be of a different amount to the regular payments.

The additional information required for this is:. By default, all payments taken from the continuous authority account are flagged as normal payments.

An Accepted response indicates the account has been successfully set up and will be used to generate drawdowns. Details of these cancellations will also be emailed to your choosen address in CSV format.

There are five main pages:. The Fire and Forget Continuous Authority Service enables you to automatically collect regular recurring payments from any Amex, Visa or Mastercard branded card, without needing to design a system to submit the individual transaction requests to the DPG.

For each payment which is found, a transaction will be generated and sent to your bank for authorisation. You will receive an email notifying you of all transaction generated on that particular day and their results.

Using this Service, each transaction can be processed with either the one stage or the two stage processing models. The transactions can also be cancelled and refunded if required.

There are many different ways in which the Fire and Forget Continuous Authority Service can be implemented. Each account can be set up to create payments in one of these frequencies:.

If a particular payment date falls on a non-calender day, the payment will be taken on the next available date. When specifying a set number of payments, a final payment can also be set for a specific date and value, if required.

If an initial payment - for a different value from the regular payments - needs to be taken, this can be specified, along with the date of the payment.

Accounts can be cancelled before completion, and the individual transactions generated from them can also be cancelled if required.

The old account can be cancelled and a new account can be created. The contract has been cancelled - either by the customer or yourself - and so the account is no longer required.

Prevents any unsettled payments from being settled and prevents any future payments from being taken from the account. When setting up an account, the normal transaction and card information should be provided.

In addition, there are additional pieces of information about the payments which need to be provided:. If the total number of payments to be taken is known in advance, this can be pre-configured into the account.

Both accounts and the transactions generated from them can be cancelled if required. Once a transaction is accepted, your system can complete the normal ordering process.

This can be used to automatically update your own systems. You will also be notified of any cards which will expire before the next payment is due.

When payments are taken from an account, the reference number for the payment will be the reference number of the account followed by four characters indicating how many payments have been taken from the account.

An error indicates that the account could not be set up. When the first payment is taken from the card, an account is also set up at MasterCard Payment Gateway Services.

When you wish to perform a recurring payment, the details of this account are passed to the DPG instead of the card details.

This allows you to remain in control of the timings and value of each payment, while removing the need to store sensitive card details within your own systems.

There are three stages to setting up an account and taking payments from it: Once the payment details have been collected and sent to MasterCard Payment Gateway Services, they are immediately sent to your Acquiring Bank for authorisation.

Your Bank forwards the request to the Card Issuing Bank. The Issuing bank checks the card details against their own systems and return an authorisation code if they approve the transaction.

The full transaction response - including the outcome of the transaction and details of the account - is then passed back to your system.

The result of this transaction is then passed back to your system. Performs an initial charge against the MID of your choice. If successful, it also sets up the account for the card.

This should only be used if you have previously processed recurring transactions for the customer, but are transfering the processing of these to MasterCard Payment Gateway Services.

When you wish to take subsequent payments, the following information is presented in the place of the card details:. Both accounts and transactions can be cancelled.

This means the basic Response types for this service are:. It operates in a very similar way to the Bank Card Service. If you are already using the Bank Card service, the Capture Method Service can be added easily to your existing processes as it only requires one single extra piece of information to be submitted with each transaction.

The initial transaction on a card is flagged for your normal MID and all subsequent debits are flagged for your recurring MID. If you wish to return funds to the card, this should be done using your normal MID.

Each Capture Method Recurring Transaction can be processed with either the one stage or the two stage processing models. In addition, the capture method for each transaction needs to be specified.

The capture methods are:. Transactions can be Accepted, Declined and Referred. Tokenization solution enables merchants to convert Bank Card numbers into tokens either during a Bank Card authorisation as a bi-product , or to migrate card data to MasterCard Payment Gateway Services in return for a unique 40 character alphanumeric token card tokenization or a 16 numeric digit MasterCard Payment Gateway Services reference number payment tokenization.

The token or reference number can then be submitted for all subsequent payment requests, thus removing the burden of storing sensitive card data internally and reducing PCI DSS compliance requirements.

MasterCard Payment Gateway Services offers two options within the Tokenization Solution, of which the key product feature differences between each are highlighted below: Cards tokenized as a bi-product of processing successful transactions or via a standalone tokenization process without authorisation.

Functionality On a successful authorisation a unique transaction reference is allocated to each transaction and returned to the merchant.

The reference can be used in place of the card number with the merchant only needing to capture the card security code CVV and expiry date to authorise subsequent transactions.

References for subsequent payments are only obtained as a bi-product of processing successful transactions. Functionality If configured for the tokenization service, a merchant will receive a token in the response to an authorisation request.

Only invalid transactions will not receive a token in which, case an error message is sent to the Merchant. The token can be used in place of the card number with the merchant only required to capture the card security code CVV and expiry date to authorise subsequent transactions.

Tokens for subsequent payments are obtained as a bi-product of transaction processing or via a standalone tokenization process during which a token is generated but no authorisation occurs, enabling Merchants to batch send card numbers for token generation.

The token is unique to the card number not the transaction. Pre-set Expiry Date Each reference has a pre-set expiry date of 13 months.

Merchants receive a new reference in response to each transaction and should always store the last reference for processing the next payment.

Dependent on the action the Merchant wishes to take, the payment flow experienced for both solutions will differ. Possible examples are explained below: MasterCard Payment Gateway Services will validate the token has been generated from a previous transaction or tokenized request.

References used for the purposes of an authorisation request can only be obtained as a bi-product of the transaction authorisation process. Suitable for merchants wishing to clear internal systems of sensitive card numbers were these were traditionally stored.

It enables new transactions to be performed on any credit or debit card which has previously been successfully authorised on your MasterCard Payment Gateway Services account within the last 13 months.

When using this service, the details of the previous transaction are passed to the DPG with the transaction, instead of the card details. The DPG locates the earlier transaction and uses the card details from it to submit another authorisation request to your Acquiring Bank.

This means you do not need to store sensitive card details on your system. The transactions can also be cancelled and refunded, if required in exactly the same way as for Bank Card transactions.

Any transaction which has been successfully authorised in the last 13 months can be used as the basis for a Pre-Registered transaction, regardless of its settlement status.

To submit a Pre-Registered transaction, the information required is very similar to that needed for the Bank Card Service. These pieces of information are supplied instead of the full card details:.

The Reporting System has the functionality to search for all Pre-Registered transactions submitted from a particular initial transaction.

The MasterCard Payment Gateway Services reference numbers for existing transactions can also be retrospectively downloaded from the Reporting System, if you do not have access to them via your own system.

The Card Tokenization Service allows merchants to store card data relating to a transaction in the form of a token, without storing the actual card number.

This enables further payments to be made by supplying the token in place of the card number. A merchant who captures card data before passing it to MasterCard Payment Gateway Services is still responsible for ensuring their systems are PCI compliant.

When using this service, there are two stages. The first tokenizes card details as they are used. The second stage is to use that token for a subsequent transaction.

Tokens will be generated each time a card payment is submitted to your account. Tokens can also be generated without making a payment on the card and may be shared across multiple accounts.

When you wish to take a payment from a card token, simply send the token in the place of the card number. Using the Card Tokenization Service, there are three ways in which cards can be allocated tokens.

Once a card number has been tokenized by any one of these three methods, it may be used in place of the card number for any transaction.

In addition to those listed, each requires a client and password - these are security details which identify your account. Once the Card Tokenization Service is configured on your account, all attempted authorizations and query transactions will automatically return the token for that card.

If you wish to tokenize a card number without attempting authorization, the following details are required:. All transactions will automatically use the shared secret key which is configured on your account.

If you wish to use a different key, this may be supplied within the transaction. In order to use an existing token to take a payment from, simply supply the token instead of the card number.

As the token only relates to the card number, any other information specific to the card - such as cv2 and expiry date - must be supplied separately if this is required for the transaction type you are using.

Any existing token may be cancelled and replaced by a new one, if required. This is done by sending a tokenize transactions, along with a new shared secret key.

There are three different ways in which authorisations for the Service may be submitted: In this mode of operation, no transactions are submitted to the DPG for authorisation.

The transactions are manually authorised and their details are stored in a log. At the end of the day, all the transactions in the log are submitted to the DPG for settlement, along with the authorisation code.

This can be done using the Batch Input Service if required. Using this mode of operation, all transactions are submitted to the DPG for authorisation in real time.

They are submitted to the DPG at the end of the day, and are automatically settled. The transactions may be cancelled before settlement if required.

They are manually authorised and are retained in a log which is submitted at the end of the day. A transaction can be cancelled by providing the same information as for the Bank Card Service.

If you require the transaction to also be reversed, can also be indicated in the transaction. In addition there are various error codes that can be returned.

Many of these are general error codes which may also be generated by the Bank Card Service, but there are some errors that are specific to the Card Holder Present Service.

Illustrations and suggestions are given to help you prevent them from occurring. This means that once the payment details are submitted to the DPG, if a communication error prevents you from receiving any response, you may use the allocated reference number to check on the status of the transaction using the Reporting facility, or to automatically cancel the payment.

This service may only be used for Card Holder Present transactions. Enables any subsequent payment request to be cancelled, even if the result of the payment is not known.

In addition to the standard fields mentioned above, you mustprovide the following information when preallocating a reference:.

A unique reference number generated by your system - to allow the transactions to be distinguished from each other. When taking a payment using a pre-allocated reference, exactly the same information must be presented as for the Chip and PIN service, with the allocated reference number taking the place of the reference number.

Cancellations and reversals of the transactions using this Service are performed in exactly the same way as for a normal Chip and PIN transaction.

This page will not be available for any unused preallocated references. The solution fronts the rich functionality and high service level payment processing already provided by the MasterCard Payment Gateway.

Consistent functionality includes multi-currency, multi card type, high availability, security, resilience, fraud prevention tools and access to the management reporting system.

The solution is easily integrated with any existing Merchant website, call centre or mobile app, allowing retained control of look, feel and branding and preventing customers from feeling they are being moved to another site to make payment.

Sensitive card data is entered within a secure page hosted by MasterCard Payment Gateway Services — Merchants are given the flexibility to display this page using a pop-up, redirect or iframe model.

MasterCard Payment Gateway Services can provide a default page template as a guide, which Merchants are then able to customise as they see fit providing mandatory data fields remain unchanged.

The solution can be used as an extension to an existing MasterCard Payment Gateway Services integration with minimum changes required to a Merchants payments workflow.

Placeholders are available to allow the Merchants to display dynamic fields on the payment page — e. Used to capture additional information from the Card Holder which is returned as part of the query transaction.

Card Type Identification - Available Facilitates the determination of card Scheme prior to the authorisation process. This gives the option to merchants to levy different charges based on the card Scheme.

When a card transaction is processed using HCC hosted model, the three following actions are made, each of which makes a call to the MasterCard Payment Gateway:.

Setting up an HCC Session: The session ID can be used to track the data that is supplied. It is worth noting, that throughout this process, there is no need for the customer to see any signs of leaving the Merchants site at any point.

Querying the Captured Data: The response to this request will also include card scheme, country of issue, expiry date, card issuer and the masked PAN card number where applicable.

The query transaction allows the identification of the card Scheme pre-authorisation and therefore allows for the levying of different charges based on card Scheme.

After this stage the transaction is completed. The Hosted Payments Service enables the payment process to be performed on a customisable webpage hosted by MasterCard Payment Gateway Services, rather than capturing sensitive card details on a website or call centre application.

Payments can be made using Credit cards, Debit cards and PayPal. Once the customer is ready to proceed to payment, your application sends a request to MasterCard Payment Gateway Services.

This include information that has been collected on the customer from the website or call centre application. A Hosted Payment Session will be created for that transaction and an XML response returned containting details which are used to re-direct the customer to the Hosted Payment Page.

Once the customer has entered these details, they will be stored by MasterCard Payment Gateway Services. If the transaction has been flagged as an e-Commerce payment and 3-D Secure is required, MasterCard Payment Gateway Services will manage the cardholder authentication process.

This page enables the card holder to authenticate themselves directly with their Issuing bank before being returned to a pre-determined URL.

If the card is not not enrolled for 3-D Secure or 3-D Secure has not been requested, MasterCard Payment Gateway Services will mangage the payment through to completion and then re-direct the customer to a pre-determined URL.

The customer authenticates themselves and is re-directed back to the Hosted Page to confirm the payment. To obtain details of the outcome of the payment, your website may send a followup transaction.

This will returns details of each payment attempt. Each day, MasterCard Payment Gateway Services collate all the completed authorised transactions and submit them to your Acquiring Bank, who then settle the transactions.

A valid secure return URL on your website. A default page will be used if you do not provide a customised one. A customised error page configured on your MasterCard Payment Gateway Services account, to be shown if the customer reaches the maximum payment attempts configured on your account.

A valid expired return URL on your website. The design of the hosted page is fully customisable. Multiple pages may be configured on a single account, enabling the design of pages for different regions and brandings.

Pages could be created in languages other than English and can be designed to return specific errors back to the cardholder in that language. The maximum number of payments attempts may also be configured.

Nine place holders are available to show additional information on the payment page. Examples of information commonly displayed on the payment page via a place holder is Cardholder Name or a Call Centre telephone number.

If you are using this model, you do not need to contact the MasterCard Payment Gateway Services servers to initiate settlement.

If you are using this model, you will need to contact the MasterCard Payment Gateway Services servers twice - once for authorisation and again for settlement.

Each time a Hosted Payment transaction setup is submitted to the MasterCard Payment Gateway, it contains the information that determines the model to be used for that transaction.

In both models, the authorisation of the payment takes place in real time. Regardless of the transaction model you employ, each session setup request needs to be flagged with the following transaction type:.

Passes transaction information to MasterCard Payment Gateway Services and obtains details used to re-direct the customer to hosted page.

Once the cardholder has successfully completed the payment, it can be refunded or cancelled if required. The One Stage model will send transaction details to your Acquiring Bank for settlement on the next settlement day.

This process will charge the card holder without requiring any additional action from yourselves. Reserves funds on the card, but does not settle the transaction until a valid fulfill request is received.

Once the cardholder has been redirected back to your website, you will want to know the outcome of the payments attempted within the session.

This can be used with both payment models and payment types. The transaction type to use for this is:. Used to determine the overall outcome of the session.

Also used to gain detailed information about the individual payment attempts. Once your system has queried the result of the session, you may also query any of the individual payment attempts to determine more details about those transactions.

For card payments, one stage transactions and completed two stage transactions can be prevented from debiting or crediting the card using the cancel transaction type.

MasterCard Payment Gateway Services provide a specific transaction type to allow successful transactions to be refunded without needing the full card or customer details.

This enables refunds to be performed on existing transactions without the need to store the full card details or PayPal user information.

You may also include additional information to use additional services and trigger or enhance various fraudscreening techniques:.

If the first payment attempt is unsuccessful, the customer may re-attempt payment up the the maximum configured on the account.

To obtain detailed information about these payment attempts, your website may submit a query for each payment attempt.

To settle a card transaction processed using the Two Stage process, a fulfill is needed. Only successful transactions can be fulfilled.

To fulfill a successful payment attempt, information from the result of the query transaction is required, in addition to the transaction type:.

Multiple partial fulfill transactions can be submitted against a single pre, if your MasterCard Payment Gateway Services account is configured for Split Shipment.

The transfer funds from your customers PayPal account is initiated by your website. This may be performed immediately, or at a later stage:.

As PayPal accounts can be restricted by the PayPal fraud department at any time, the capture of funds cannot be guaranteed.

It is best practise to capture the funds before the goods are shipped and not after. If a transaction is declined, the cardholder may re-attempt payment, assuming the re-try limit configured on your account has not been reached.

This requires no extra action on your part and enables the system to be fully automated. There are a small number of error messages which can be displayed to the customer.

If a transaction generates an error message, the cardholder may re-attempt payment, assuming the re-try limit configured on your account has not been reached.

The Hosted Payment System itself can return a various error codes. The Support Centre also contains extensive examples for most error codes.

These error codes will not be displayed to the customer, but will be available for you to review if a query transaction is submitted, or via Reporting.

The Hosted Card Capture Service allows the capture of card details to be performed on a webpage hosted by MasterCard Payment Gateway Services, rather than on your own website.

After this step is completed, the 3-D Secure Check, authorisation and settlement proceed as normal. Once your customer is ready to proceed with payment, your website or call centre application sends to MasterCard Payment Gateway Services basic information about the transaction.

The cardholder is presented with your card capture page appearing in the preferred method implemented - pop-up, iFrame or redirect , which will display appropriate branding and custom fields.

The cardholder then enters the information as required by the page. Once complete, the cardholder is re-directed back to your website.

Your website may query the status of the capture process and obtain basic details about the card. The design of the hosted page is fully customisable to your requirements.

Multiple pages may be configured on a single account, enabling you to design pages for different regions and brandings. Pages can be created in languages other than English and can be designed to return any errors back to the cardholder in that language.

Dynamic Data Placeholders within the hosted page can be used to specify text or images on the payment page on a per transaction basis - e.

Additional information such as cardholder name can be collected using Dynamic Capture Fields. You may also use either one step auth or two step pre-fulfill settlement.

They may also be cancelled. In order to obtain the URL to which the cardholder is re-directed, the following details are required:.

To obtain the details of the status of the card capture, a query transaction can be sent, this requires:. This will attempt authorisation on the card details entered by the cardholder.

The information needed to perform these transactions remains unchanged, expect for two pieces of information which are supplied in place of the card details:.

The other transaction types utilised when processing a transaction via the Hosted Card Capture Service remain unchanged:. When using the Hosted Card Capture Service, the Bank Responses remain the same as if the payment page was hosted within your own website.

The Split Shipment Service allows you to perform multiple settlements against a single authorised transaction, retaining 3-D Secure liability shift for each settlement.

When performing a second or subsequent fulfillment using the Split Shipment Service your Acquiring Bank will be contacted for re-authorisation if 7 or more days have passed since the initial authorisation.

Once the initial pre transaction has been authorised, the funds for that transaction can be settled over several transactions.

Ordered Items are not available at time of original authorisation and will be shipped seven days or more after the original authorisation.

When performing a second or subsequent fulfill using the Split Shipment Service, one additional element is required in the fulfill request:.

Unique reference number generated by your system - to allow the transactions to be distinguished from each other. The Batch Input Service allows many of the MasterCard Payment Gateway Services to be utilised by submitting a batch of transactions, instead of submitting individual transactions as they occur.

This document is intended as an overview of the Batch Input Service. Further details about the aspects of the service are available in the links above.

The transaction details are first collated by your systems and placed into a file in a format specified by MasterCard Payment Gateway Services.

We perform some validation checks on the file - including verifying the security details. The results of this validation are returned within a response document.

These individual transactions follow the same processing as if they had been submitted from you directly instead of via Batch Input.

In addition, you will also need to satisfy the requirements of each individual service you will be using. For each batch, either format can be used for the transactions.

There are no restrictions, extra service charges or additional account configuration required. The results of each batch will be available in the same format as the batch itself.

The two formats are available to enable you to select the format that is easiest for you to integrate with. Using the XML format will allow you to create a single batchfile which - for example - contains:.

If you have already integrated MasterCard Payment Gateway Services real time processing, choosing the XML format for Batch Input Processing will allow you to re-use existing functionality, as the formats for the individual transactions remain the same for both types.

As different transaction types require different information to be supplied, only transactions which contain the same type of information can be submitted in the same batch.

For example, this means that if you are using a two stage processing model, you cannot mix first stage and second stage transactions in the same file - two files would be needed.

The first is to submit the batch, and the second is to collect the results. Each time a batch is submitted to the MasterCard Payment Gateway, it contains the following information about the file:.

The details required for the transactions themselves will depend upon the exact details of the service that you are using.

Please follow one of the links for more details:. The results of this validation are returned in real time, allowing you to instantly know if there is a problem with the batch.

To allow you to quickly rectify and resubmit the data, MasterCard Payment Gateway Services will not proceed with further processing of any failed batches.

It requires no action on your part. The results of the individual transactions within a successfully processed batchfile will be returned in the same format as the batchfile itself.

For example, if an XML format file is submitted, the batch query will return the results of the individual transactions in an XML format.

The Batch Input Service allows many of the MasterCard Payment Gateway Services Credit and Debit Card Services to be utilised by submitting a batch of transactions, instead of submitting individual transactions as they occur.

As the data which needs to be submitted to perform Batch Input transactions for these services is the same as for real time transactions, please refer to this information via the links above.

The Address and Postcode check can be performed - where appropriate - for Batch Input transactions if these details are provided along with the card number.

As the data which needs to be submitted to perform transactions for these services is the same as for real time transactions, please refer to this information via the links above.

It offers any Customer with an email address a quick, easy and convenient method to pay for goods, using stored PayPal payment information and the PayPal Express Checkout facility.

As you would expect from MasterCard Payment Gateway Services, the integration of PayPal as an additional payment option has been designed to extend the transaction options and payment processing speed offered to Merchants.

Customers can pay easily, quickly, and securely in as few as three clicks. To find out more about PayPal Express Checkout click here.

There is minimal testing once the payment authorisation call extension has been made, enabling merchants to move swiftly from application to processing payments.

To find out how to sign up for a PayPal Merchant Account click here. Successful payments can be refunded without the need to store PayPal user information.

The default timeline setting for PayPal refunds is up to 60 days. In order to change default settings the merchant is advised to contact their Account Manager.

Your systems use this token to re-direct the payer to PayPal. Once the payer is re-directed back to your website, your system sends a request to the DPG which returns details about the customer verification.

In addition to these there are also various optional fields which can be submitted if required. These are outlined in the Developers Guide.

In addition to these, there are also various optional fields which can be submitted. Eligibility for this feature will be controlled by PayPal but will explicitly not be available to gambling clients.

In order to enable this feature, please consult your PayPal Account Manager to request enablement. When using the PayPal Express Checkout Service, there are two basic responses for the completed payment flow:.

An accepted response indicates that the PayPal payment flow was successful and the money has been transfered.

In addition to errors generated by the DPG, there are also various errors which can be generated by PayPal. In the event of one of these PayPal errors occuring, the DPG will return full details of the errors to your system.

Repeat payments can then be taken from that PayPal account. The payer authorises the billing agreement. If you are performing an initial payment, they will also confirm that payment.

PayPal will then re-direct the payer back to your website. If these details are in order, a further request is sent to the DPG. This results in the billing agreement being created.

When you wish to take a subsequent payment from the payer, the details of the original transaction are passed to MasterCard Payment Gateway Services by your system.

PayPal transfer the funds and the result of this transaction is then passed back to your system. There are two payment processing models which can be used to implement the PayPal Do Reference Service.

The billing agreement is set up and an initial payment is taken from the payer. The billing agreement is setup without an initial payment being taken.

Once the billing agreement has been setup at PayPal, it can be amended or cancelled if required. These features are available to both processing models without additional account configuration.

When using this transaction processing model, the creation of the billing agreement and initial payment are triggered in the same transaction.

Also creates billing agreement. When using this transaction processing model, the billing agreement is created without performing an initial payment.

Once the billing agreement has been successfully created, your systems initiate the subsequent payments. Enables the billing agreement description or custom annotation to be updated.

It also enables the billing agreement to be cancelled. This will be one of:. In addition to these, there are also various optional fields which can be submitted which relate to the billing agreement.

This transaction type will only be used if a payment is being taken immediately. If successful, this transaction will create the billing agreement and take the initial payment.

To perform this, the following information is required:. These include item and shipping data. To update a billing agreement, information from the transaction which created the agreement is required, in addition to the transaction type and details to be amended:.

To cancel a billing agreement, information from the transaction which created the agreement is required, in addition to the transaction type:.

Settlement of the funds takes place at a later time, once you are ready to ship. It is also possible to cancel outstanding funds, if the order or part of the order is not shipped.

Using this Service the payment flow for each customer does not need to be completed within three hours. Settlement may be delayed until goods are ready to be shipped and funds debitted from the Payers account for each shipment.

Several of the transaction methods used for this service are the same as for the Express Checkout Service. Once the 29 day order period has been created, the value of the payment needs to be reserved on their PayPal Account.

If the payment has not been captured after day 4 of the authorization period, you may initiate another authorization, which will start a new three-day honor period.

However, it will not extend the authorization period past 29 days. This enables orders which will be completed in several shipments to be individually charged as they are shipped.

As PayPal accounts can be restricted by the PayPal fraud department at any time, the capture of funds cannot be guaranteed outside of the 3 day honour period.

It is best practice to capture the funds during the honour period and before the goods are shipped. Once all required funds have been captured, any remaining amount on the authorisation may be voided.

This allows your system to free up the outstanding balance of the authorisation. Physical Shipment - not all items with the order can be shipped, the value of the outstanding funds can be cancelled.

There is one additional piece of information to provide:. To reserve the full value of the transaction on the Payers account, the following details are required:.

Once your are ready to ship items within the order, your system submits a request to initiate settlement of the funds. The information which is required for this is:.

These include airline and flight data. The company guarantees the card and pays the administration costs.

In return they have a paperless mechanism for tracking the purchase made by their employees. These Purchasing Cards are linked to special accounts that produce detailed statements containing full line item detail.

They are also used for submission of expense reports. Both of these uses reduce the amounts of administration associated with business purchasing.

Purchasing cards are also referred to as Corporate Cards. If your staff regularly incur business travel and entertainment expenses in the UK or whilst abroad - and if they need detailed management reporting - this is the card for your company.

VISA and MasterCard have defined three different levels of data capture and reporting for credit card transactions:. Information about Level 2 transactions is reported back to the company or institution that made the original purchase.

This data can be used by that entity to sort, reconcile and report transactions. It applies only to corporate purchasing card transactions, and incorporates item by item descriptions of each component of the purchase, including full VAT details.

The company originating the transaction receives a monthly report of all captured information from their card issuer.

For all transactions, irrespective of value, it eliminates the need for purchasers to collect and submit conventional VAT invoices for VAT reclamation.

The data can also be used to sort, reconcile and report transactions. The monthly consolidated VAT report is also available in electronic format, making it possible for order reconciliation, VAT reclamation and accounting to be automated.

The process of converting XML requests to the format required by the acquirers is proven and dependable. That means your own accreditation process should be smooth and uneventful.

It does not currently support the processing of non-Visa purchasing cards. There are two parts to the Bank Card Service: Settling the Transaction To transfer the money between you and your customer, the authorised transaction needs to be settled by your Acquiring Bank.

Requirements Before you can go live with this service, you will need the following: Situations in which this could be implemented include: Instant access services - such as software downloads Ticketing systems - such as airline and train reservation services Physical goods that will be shipped same day The transaction types that can be used with the one stage model are: Ordered Items are not currently available Additional in-house processes need to be completed prior to settlement The transaction types that can be used with the two stage model are: Refunding without Card Information MasterCard Payment Gateway Services provide a specific transaction type to allow successful transactions to be refunded without needing the full card details.

The transaction is settled next working day The original transaction can either be completely or partially refunded, and multiple refunds can be performed on one transaction until the full value of the transaction has been refunded.

Performing Transactions Each transaction type requires specific information to be provided. Performing an Initial Card Transaction For the Bank Card service, the following information needs to be collected from the card holder for every transaction: In addition to the card information collected from the customer, these details about the transaction are also required: Accepted Declined Referred In addition there are various error codes that can be produced by this service.

There are three main pages: With Fire and Forget With the Fire and Forget Service, neither the initial setup or the repeat payments can be performed with AVSCV2 checking, as the initial authorisation request is not processed immediately, but at a later date.

With Pre-Registered Cards Service For merchants using the Pre-Registered Service, the 3-D Secure check can only be performed on the initial transaction, as this check cannot be performed with a Pre-Registered transaction.

With Fire and Forget With the Fire and Forget Service, neither the initial setup or the repeat payments can be performed with 3-D Secure checking, as the initial authorisation request is not processed immediately, but at a later date.

How does 3-D Secure work? Settlement Successfully authorised transactions are settled next working day, in the same way as transactions which have not been checked using 3-D Secure.

These are outlined in the table below: Instant access services - such as software downloads Ticketing systems - such as airline and train reservation services Physical goods that will be shipped same day The transaction types that can be used with this model are: Two Stage 3-D Secure The delayed settlement model enables you to settle the transaction at your convenience.

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For your convenience, Luxury Card is accepted at 8 million domestic retailers and is part of an operating network in more than countries and territories.

Achieve the best possible price on products you buy with your Luxury Card. Should you find a lower price for an eligible item within one hundred twenty days from the original date of purchase using your Luxury Card, you may be reimbursed for the price difference.

Provides assistance 24 hours a day, seven days a week, with replacement of your card and notification to the credit bureau should you become the victim of Identity theft.

Pay only for purchases you have authorized with your Luxury Card, whether you pay in a store, over the phone or online.

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