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Samsung Pay

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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 Samsung Pay means of payment integration into Mercanet.

Who does this document target?

This document is intended to help you implement the Samsung Pay means 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 Samsung pay payments with Mercanet

General principles

Samsung Pay is a means of payment offered by samsung to issue payments in a simple and secure way on compatible Samsung phone or watch.

The cardholder has previously added their card to the wallet available on the various Samsung devices. Afterwards, they can pay for purchases on a website or on a mobile application.

With this solution, customers pay for their purchases online without having to enter their card details all the time. In addition, with the wallet application they can view their transaction history.

Acceptance rules

Available functionalities
Payment channels
Internet V Default payment channel
MAIL_ORDER, TELEPHONE_ORDER X
Fax X
IVS X
In-App X
Means of payment
Immediate payment X
End-of-day payment V Default method
Deferred payment V Limited to 6 days.
Payment upon shipping V Limited to 6 days.
Payment in instalments X
Subscription payment X
Batch payment X
OneClick payment X
Currency management
Multicurrency acceptance V
Currency settlement X
Dynamic currency conversion X
Samsung Pay means of payment characteristics

Here are the rules applied to Samsung Pay:

Feature Restriction Restriction
Means of payment
MASTERCARD
MAESTRO
VISA
VPAY
ELECTRON
 Mercanet
Browser/Device Device Samsung Samsung
IFrames No Samsung

You have to make sure your acquirers support the Samsung Pay flow.

All anti-fraud checks are supported under Samsung Pay payments (fraud tool).

Samsung imposes a graphic charter for the payment page. Information related to this charter is available here: https://pay.samsung.com/developers/resource/brand

Attention: the security code is not populated in the Samsung Pay payment process.
Authentication request

During the payment process, the cardholder authentication is done by Samsung Pay.

You have two options:

  • Managing the cardholder authentication on your side.
    For this purpose, you will need to open an account with Samsung Pay and complete the implementation to manage the Samsung Pay authentication. Details about the implementation of authentication with Samsung Pay can be found here: https://pay.samsung.com/developers/
    You will need to use the Office (M2M) interface.
  • Delegating the whole transactional process to the Mercanet platform and in particular the cardholder authentication to the Samsung Pay server.
    In this case, you will need to use the Paypage interface (available soon).
Authorisation request

The maximum capture delay allowed for an Samsung Pay payment is 6 days.

If you enter a longer capture delay, it will be automatically forced by the payment platform.

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.

Signing your Samsung Pay acceptance contract

You have two options to offer the Apple Pay means of payment on your website:

  • You wish to manage the cardholder authentication on your side and use the Mercanet platform to make the authorisation request and the bank remittance. You will need to contact Samsung Pay.
  • You wish to delegate the whole transactional process to the Mercanet platform and in particular the cardholder authentication with Samsung Pay server, the authorisation request and the bank remittance.
    In this case, you have no interaction with Samsung Pay. Mercanet is responsible for your enrollment/activation with Samsung Pay.

In order to activate the Samsung Pay acceptance, you will need to sign a credit card-type purchase contract with an acquirer accepting Samsung Pay payments. The means of payment is indeed associated with the cardholder's card brand (VISA, MASTERCARD, etc.), so you will need a purchase contract for this same brand.

Making an Samsung Pay payment

The remittance modes available for an Samsung Pay 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 Samsung Pay transaction

In validation mode (captureMode = VALIDATION), if the transaction is accepted, it is set to status TO_VALIDATE. In cancellation mode (captureMode = AUTHOR_CAPTURE), if the transaction is accepted, it is set to TO_CAPTURE status. Regardless of the capture mode, if the transaction is refused, it is set to status REFUSED. And if the transaction is aborted, it is set to ABORTED.

Making an Samsung Pay payment with Paypage

The payment process for Paypage is described below:


Steps of a Samsung Pay payment via Paypage

1) The customer proceeds with the payment. 2) They are redirected to the Mercanet page and select the means of payment Samsung Pay. 3) They are then redirected to a Samsung Pay login page. 4) The Samsung Pay server handles sensitive data. 5) The customer receives the information on their mobile device and make an authentication. 6) The encrypted data is transferred and the client is redirected to the Mercanet page. 7) If the customer clicks on the back to eshop button, they are redirected to your website which triggers the manual response to be sent. 8) Mercanet sends an automatic response.
Setting the payment request

The following field has a particular behaviour:

Field name Remarks/rules
captureDay The value sent in the request must be 6 at a maximum.
A larger value will be forced to 6.
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).
paymentMeanBrand = card used in the wallet (VISA, MASTERCARD or other).
paymentMeanType = CARD
paymentMeanDataProvider = SAMSUNGPAY
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.
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 an Samsung Pay payment with Office (M2M)

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


Steps of a Samsung payment via Paypage

1) The customer proceeds with the payment directly on your website and chooses Samsung Pay. 2) A wallet holder identification is initiated. 3) The Samsung Pay server handles sensitive data. 4) The customer receives the information on their mobile device and make an authentication. 5) After the encrypted data is transferred, an authorisation request (checkout.cardOrder) is sent to the Mercanet engine. 6) You display the payment result to your customer.
Setting the payment request

To make a payment with Office (M2M), you must use the cardOrder method.

The Samsung Pay payment request includes all mandatory fields of the connector you are using.

The following fields have a particular behaviour:

Field name Remarks/rules
panEntryMode OEMPAY
paymentMeanDataProvider SAMSUNGPAY
authenticationResult.samsungPay.cavv The security code provided by Samsung Pay.
authenticationResult.samsungPay.eci The ECI indicator provided by Samsung Pay.
paymentMeanBand Must be populated with the card brand (CB, Visa, Mastercard, …).
cardNumber Provide the DPAN (= Samsung Pay card number).
cardExpiryDate Provide the DPAN expiry date.
orderChannel INTERNET or INAPP
holderAuthentProgram SAMSUNGPAY
walletType Should not be populated.
schemeTokenData.tavv The security code provided by Samsung Pay. Replace the usage of field authenticationResult.samsungPay.cavv (still usable) for CB2A 161 protocol
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).
paymentMeanBrand = card used in the wallet (VISA, MASTERCARD or other).
paymentMeanDataProvider = SAMSUNGPAY
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.
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.

Managing your Samsung Pay transactions

Available cash operations

The following operations are available on Samsung Pay transactions:

Cash management
Cancellation V Cancellation available on the partial amount of the transaction.
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 X

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


Diagram very complex to describe, please contact support sips@worldline.com

Viewing your Samsung Pay 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 Samsung Pay transactions for each type of report is summarised in the table below:

Reports availability
Transactions report V
Operations report V
Operations report V
Chargebacks report V
Note: for Samsung Pay transactions, the paymentMeanBrand field is populated with the card brand (Visa, Mastercard, …).

Mercanet Back Office

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

Here are the details of a Samsung Pay transaction made with a card enrolled for OEM payments:


Capture of a Samsung Pay transaction details

Running your Samsung Pay tests

Contact your Samsung Pay representative or, failing that, contact your Mercanet representative.

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