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Release 24.6

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Introduction

Mercanet is a secure multi-channel e-commerce payment solution that complies with the PCI DSS standard. It allows you to accept and manage payment transactions by taking into account business rules related to your activity (payment upon shipping, deferred payment, recurring payment, payment in instalments, etc.).

The purpose of this document is to explain the Visa Mastercard mean of payment integration into Mercanet.

Who does this document target?

This document is intended to help you implement the Visa Mastercard mean of payment on your e-commerce site.

It includes:

  • functional information for you
  • implementation instructions for your technical team

To get an overview of the Mercanet solution, we advise you to consult the following documents:

  • Functional presentation
  • Functionality set-up guide

Understanding Visa and Mastercard payments with Mercanet

General principles

Cards in the Mastercard network is one of the most widespread payment cards in the world, used and issued by banks in more than 200 countries.

Mastercard offers a range of following cards: MasterCard, Maestro

Furthermore, the Mastercard network has established the 3-D Secure programme, to reduce the risk of fraud on customers online purchases. This program ensures, at the time of each online payment, that the card is used by the true cardholder.

To pay with a Visa or MasterCard network card, cardholders have to provide their card details, namely:

  • Card number
  • Expiry date
  • Visual security code called CVC
  • If the cardholder's card and your merchant ID are enrolled in 3-D Secure, the customer will be required to enter a dynamic one-time use code, usually received on their mobile phone.

Acceptance rules

Available functionalities
Payment channels
Internet V Default payment channel
MAIL_ORDER, TELEPHONE_ORDER V
Fax V
IVS V
Means of payment
Immediate payment X
End-of-day payment V Default method
Deferred payment V Limited to 99 days, except for 3-D Secure which is limited to 6 days because of the liability shift rules.
Payment upon shipping V Limited to 99 days, except for 3-D Secure which is limited to 6 days because of the liability shift rules.
Payment in instalments V
Subscription payment V
Batch payment V
OneClick payment V
Currency management
Multicurrency acceptance V
Currency settlement V
Dynamic currency conversion V
Payment remittance in the bank

Payments are remitted to a bank according to the payment terms you set. As standard, the remittance in bank is triggered at night as from 10 pm CET (Central European Time) via a file exchange with the acquirer.

Account verification on your initiative

For INTERNET and MOTO channels, you are allowed to perform an account verification on your own initiative (not conditioned by the deferred payment delay). To do this, you have to set the transaction amount to “0”. Therefore, Mercanet will perform an account verification from the acquirer, and the transaction will be stored in the Mercanet information system, but won’t be remitted in bank.

Attention: the account verification system must be supported by your acquirer. Otherwise, an attempt to perform an account verification on your initiative will be handled as a standard authorisation request with an amount of “0”.
Cap adjustment in case of an error

During a payment, sometimes the current transaction cannot be finalised. This is the case, for instance, when one of the actors in the banking network encounters a failure when processing an authorisation request. The Mercanet server will send a message to cancel the transaction, this is the famous cap adjustment. This message allows the issuing bank to update, if necessary, the cardholder's card outstandings.

Attention: in order to operate, the adjustment cap in case of an error must be supported by the acquirer. The cancellation is prioritized: it is completed even if the adjustment fails.
Lost and stolen cards checking

If you have the required option, a card checking is done using a lost and stolen list provided by the acquirer. This checking will be carried out during the transaction validation or the remittance steps.

If the provided card is in the lost and stolen cards list during the validation, the operation is rejected.

If the provided card is in the lost and stolen cards list during the remittance, the transaction will not be remitted.

Attention: this checking must be supported by your acquirer. The checking prior to validation is carried out only if the transaction was not authorised on the same day but the transaction authorisation is still valid.
Address Verification System (AVS) – UK only
Overview

AVS is an anti-fraud functionality available in some countries like UK and required by merchants. The AVS allows you to retrieve the cardholder’s address and have it checked with the provider of this same card through the bank authorisation message.

The card provider will be able to compare the address provided with the address of his database. Two separate checkings are performed: street information checking and postal code checking.

Please refer to the “Functionality set-up guide” for more information about AVS.

AVS response codes

AVS results are returned to you in the responses through two dedicated fields:

  • avsPostcodeResponseCode
  • avsPostcodeResponseCode

Please refer to the “Data dictionary” for more information about how these fields have their value set.

Reversal request

A reversal request aims to cancel the modification of the issuer authorisation cap.

This reversal request is always linked to an authorisation request.

Tip: the reversal request is available for acquirers accepting it (please contact us to have the list).

The reversal request is sent to the acquirer in the following case:

  • the merchant fully cancels the transaction. The cancellation is prioritized: it is completed even if the reversal fails;
  • the authorisation server doesn't respond positively to an authorisation request for the following reasons: "approved after identification" or "approved for partial amount";
  • no response has been received after an authorisation request (timeout);

Signing your Mastercard acceptance contract

In order to offer the Mastercard means of payment on your website, you have to sign a distance selling contract with your acquiring bank. Thereafter, you transmit us the contract number for recording in our information system. If you accept INTERNET and MOTO payments, tell your acquirer, because some acquirer will need you to sign 2 separate contracts.

Making a Mastercard payment

Mercanet offers you three solutions to integrate the Mastercard means of payment:

  • Paypage which directly acts as the payment interface with customers via their web browser.
  • Office (M2M) which gives you the opportunity to display your payment pages and works through a server-to-server dialog.
  • Office Batch which allows you to process batch payments.

The remittance modes available for a Mastercard transaction are:

  • Cancellation mode: default mode allowing transaction remittance on a predefined date, called capture delay. When this capture delay is reached, the remittance is sent automatically. This delay is set via the captureDay field with its 0 default value (end-of-day payment).
  • Validation mode: you must validate the transaction to trigger the remittance. A capture delay must also be defined. When this capture delay is reached or exceeded, you will not be able to validate the transaction, which will therefore expire automatically.

The diagram below explains the different transaction statuses according to the chosen capture mode:


description of the possible statuses for a transaction

In cancellation mode (captureMode = AUTHOR_CAPTURE), if the transaction is accepted and the capture delay (captureDay) is not exceeded, the transaction changes to TO_CAPTURE status. If it is exceeded, the transaction changes to TO_AUTHORIZE status. In validation mode (captureMode = VALIDATION), if the transaction is accepted and the capture delay (captureDay) is not exceeded, the transaction changes to TO_VALIDATE status. If the capture delay is exceeded, the transaction is set to TO_REPLAY status. Regardless of the capture mode, if the transaction is rejected (responseCode not equal to 00), it is set to REFUSED status.

Making a Mastercard payment with Paypage

The payment process for Paypage is described below:


image showing the kinematics of a payment via Paypage

1) After finalizing the order on the merchant website, the customer proceeds to the payment. 2) The customer is redirected to the payment pages hosted on the Mercanet side and selects Mastercard. 3) The customer is redirected to the ACS of his bank to do a strong authentication. 4) When the customer returns to Mercanet the ticket with the result is displayed. 5) If the customer clicks on the return to shop button, they are redirected to the merchant's website which unlocks the manual response. 6) The Mercanet engine also sends an automatic response to the merchant website.
Setting the payment request

The following fields have a particular behaviour:

Field name Remarks/rules
statementReference The value sent to this field will appear on your account statement (Available only for some acquirers).
Note: the field paymentMeanBrand can be set to .
Analysing the response

The following table summarises the different response cases to be processed:

Status Response fields Action to take
Payment accepted acquirerResponseCode = 00
authorisationId = (cf. the Data Dictionary).
cardProductCode = (cf. the Data Dictionary).
cardProductName = (cf. the Data Dictionary).
cardProductProfile = (cf. the Data Dictionary).
cardProductUsageLabel = (cf. the Data Dictionary).
virtualCardIndicator = (cf. the Data Dictionary).
issuerCode = (cf. the Data Dictionary).
issuerCountryCode = (cf. the Data Dictionary).
paymentMeanBrand =
paymentMeanType = CARD
responseCode = 00
 You can deliver the order.
Acquirer refusal acquirerResponseCode = (cf. the Data Dictionary).
responseCode = 05
 The authorisation is refused for a reason unrelated to fraud.
If you have not opted for the "new payment attempt" option (please read the Functionality set-up Guide for more details), you can suggest that your customer pay with another means of payment by generating a new request.
Soft decline acquirerResponseCode = A1
responseCode = 05
 The acquirer has refused the payment because there was no 3-D Secure authentication.
Please try the payment again by activating the 3-D Secure authentication.
Refusal due to the number of attempts reached responseCode = 75 The customer has made several attempts that have all failed.
Refusal due to a technical issue acquirerResponseCode = 90-98
responseCode = 90, 99
 Temporary technical issue when processing the transaction. Suggest that your customer redo a payment later.

For the complete response codes (responseCode) and acquirer response codes (acquirerResponseCode), please refer to the Data dictionary.

Making a Mastercard payment with Office (M2M)

The payment process for Office (M2M) is described below:


steps of an American Express payment via Office

1) You collect the card information on the payment page hosted on your website and transmit this information to information to Mercanet via the cardCheckEnrollment method. 2) Mercanet sends you the url of the ACS. 3) You redirect your customer to the ACS. 4) Your client authenticates and is redirected to your site. 5) You collect authentication information and send an authorization request to Mercanet via the cardValidateAuthenticationAndOrder method. 6) Mercanet sends you the payment response and you display the payment result to your your customer on your website.
Setting the payment request

American Express payments can be initiated using the cardCheckEnrollment function of the CheckOut service. The following fields are used to send information specific to this means of payment:

Field name Remarks/rules
cardNumber Mandatory
cardExpiryDate Mandatory, if specified on the card.
cardCSCValue Mandatory in some countries (3 digits).
The CVV is optional for transactions using the MOTO payment channel.
paymentMeanBrand The paymeantMeanBrand field can be populated with .
Note: if allowed by the acquirer the CVV can be optional for transactions that use the MOTO payment channel.
The paymeantMeanBrand field can be populated with .

For more information, please refer to the 3-D Secure guide on Office (M2M) connector to implement the other steps of a 3-D Secure payment.

Analysing the response

The following table summarises the different response cases to be processed:

Status Response fields Action to take
Payment accepted acquirerResponseCode = 00
authorisationId = (cf. the Data Dictionary).
cardData.cardProductCode = (cf. the Data Dictionary).
cardData.cardProductName = (cf. the Data Dictionary).
cardData.cardProductProfile = (cf. the Data Dictionary).
cardData.cardProductUsageLabel = (cf. the Data Dictionary).
cardData.virtualCardIndicator = (cf. the Data Dictionary).
cardData.issuerCode = (cf. the Data Dictionary).
cardData.issuerCountryCode = (cf. the Data Dictionary).
cardData.issuerName = (cf. the Data Dictionary).
paymentMeanBrand =
responseCode = 00
 You can deliver the order.
Acquirer refusal acquirerResponseCode = (cf. the Data Dictionary).
responseCode = 05
 The authorisation is refused for a reason unrelated to fraud, you can suggest that your customer pay with another means of payment by generating a new request.
Soft decline acquirerResponseCode = A1
responseCode = 05
 The acquirer has refused the payment because there was no 3-D Secure authentication.
Please try the payment again by activating the 3-D Secure authentication.
Refusal due to a technical issue acquirerResponseCode = 90-98
responseCode = 90, 99
 Temporary technical issue when processing the transaction. Suggest that your customer redo a payment later.

For the complete response codes (responseCode) and acquirer response codes (acquirerResponseCode), please refer to the Data dictionary.

Please refer to 3-D Secure guide to analyse the authentication information.

Managing your Mastercard transactions

Available cash operations

The following operations are available on Mastercard transactions:

Cash management
Cancellation V
Cancellation available on the total or partial amount of the transaction.
Depending on your acquirer, a total cancellation can cause a reversal request sending.
Validation V Validation available on the partial amount of the transaction.
Refund V Refund available on the partial amount of the transaction and for amounts greater than the initial amount (unlimited refund).
Duplication V

The diagram below informs you which cash management operation is available when a transaction is in a given state:


image too complex to be described, please contact the support

Viewing your Mastercard transactions

Reports

The reports provided by Mercanet allow you to have a comprehensive and consolidated view of your transactions, cash operations, accounts and chargebacks. You can use this information to improve your information system.

The availability of Mastercard transactions for each type of report is summarised in the table below:

Reports availability
Transactions report V
Operations report V
Reconciliations report V
Chargebacks report V
Note: The paymentMeanBrand field is populated with the value .

Mercanet Back Office

You can view your Mastercard transactions and perform various cash management operations with Mercanet Back Office.



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