Payment Features

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You can apply features to different payment services to enhance the customer payment processing experience. This section includes an overview of these features:

Debit and Prepaid Card Payments

Debit cards are linked to a cardholder's checking account. A merchant who accepts the debit card can deduct funds directly from the linked cardholder's account.
You can process debit cards using these services:
  • Credit card services
  • PIN debit services
  • Partial authorizations, which are a special feature available for debit cards
  • Balance inquiries, which are a special feature available for debit cards

Related Information

Payer Authentication

Payer authentication is run before a transaction is submitted for authorization. Most of the time payer authentication is bundled with authorization so that after payer authentication happens, the transaction is automatically submitted for authorization. Payer authentication and authorization can be configured to occur as separate operations. This section shows you how to run payer authentication as a separate process and pass the payer authentication data when seeking authorization for a transaction.
Payer authentication consists of a two-step verification process that adds an extra layer of fraud protection during the payment process. During transactions, the transaction device, location, past purchasing habits, and other factors are analyzed for indications of fraud. This process collects customer data during the transaction from at least two of these three categories:
  • Something you have
    : A payment card or a payment card number
  • Something you know
    : A password or pin
  • Something you are
    : Facial recognition or fingerprint
Each of these payment card companies has its own payer authentication product:
  • Discover
    : ProtectBuy
  • JCB
    : J/Secure
  • Mastercard
    : Identity Check
  • Visa
    : Visa Secure
Payer authentication can be used to satisfy the Strong Customer Authentication (SCA) requirement of the Payment Services Directive (PSD2). SCA applies to the European Economic Area (EEA) and the United Kingdom. SCA requires banks to perform additional checks when customers make payments to confirm their identity.

Related Information

Introduction to Credentialed Transactions

Credentialed transactions are transactions that involve either storing a customer's payment credentials for future transactions or using a customer's already stored payment credentials. When processing a credentialed transaction, you must indicate the type of credentialed transaction and the reason for the transaction. Credentialed transactions are also known as
credential-on-file
 (COF) transactions.
There are several types of credentialed transactions:
  • Customer-Initiated Transactions (CITs):
     Any transaction a customer is actively participating in such as making a card-present payment, completing an online checkout, or by using a stored credential. CIT transactions can store the customer's credentials in your system for future CITs or merchant-initiated transactions.
  • Merchant-Initiated Transactions (MITs):
     Any transaction a merchant initiates without the customer's participation such as an industry practice transaction or a standing instruction transaction.
    • Industry Practice Transactions:
       MITs that are performed as subsequent transactions to a CIT because the initial transaction could not be completed in one transaction. Not every industry practice transaction involves a stored credential. If a stored credential is used only for one transaction, that transaction is not considered a credentialed transaction.
    • Standing Instruction Transactions:
       MITs that are performed to follow agreed-upon instructions from the customer for the provision of goods and services.

Supported Services

These are the supported merchant-initiated services:
The service determines the reason for the credentialed transaction.

Visa Bill Payments

Visa provides a Bill Payment program that enables customers to use their Visa cards to pay their bills. When you participate in this program, Visa requests that you flag the bill payments and credits so they can be easily identified.
The bill payment indicator is accepted no matter which processor you are using, do not use this indicator if you have not signed up with Visa to participate in the program.
This feature is not the same as the Visa Consumer Bill Payment Service.

Supported Services

You can process Visa Bill Payments using these services:
  • Authorization
  • Credit

Fields Specific to this Use Case

Authorization:
 include this field in a standard authorization when processing a Visa Bill Payment:
ccAuthService_billPayment
Credit:
 include this field in a standard credit when processing a Visa Bill Payment:
Include this field in a credit when processing a Visa bill payment:
ccCreditService_billPayment
Include in a credit.

Endpoints

Authorization:
Set the
ccAuthService_run
 field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.
Credit:
Set the
ccCreditService_run
 field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.

Requirement

Before you process Visa Bill Payments, you must sign up with Visa to participate in the program.

Related Information