Description
The Elavon Americas gateway connection is updated to support:
3-D Secure 2.x.
Payment Account Reference (PAR)
Surcharge
Audience
Merchants that use the Elavon Americas gateway in the US and Canada.
Benefit
The addition of new features gives merchants more choices.
Technical Details
Elavon Americas supports 3D-Secure up to version 2.2, which enables the use of dynamic
authentication through biometrics and token-based authentication methods. This feature
enables authentications that do not require manual input from the cardholder, sometimes
called frictionless flow. Version 2.2 also recognizers soft declines, which reduces the
chance that a payment is declined, as well as the risk of customer abandonment.
Delegated authentication and decoupled authentication are also available. Delegated
authorization allows merchants to use third-party authenticators as well as the issuing
bank for payment authorizations. Decoupled authorizations allow customers to obtain an
authorization on one device and complete the transaction on a second device.
Payment Account Reference (PAR)
The PAR enables merchants to find the source of funds used for payments across all payment
instruments. This gives merchants more visibility into customer behavior, especially
with digital wallet payments in which the customer's primary account number (PAN) is
hidden behind a device primary account number (DPAN), which is tokenized version of a
PAN used in mobile device payments.
The PAR value can be beneficial in the following scenarios:
Transaction source
identification: this can be helpful when multiple transactions occur in a short time
frame or when customers engage in recurring payments.
Fraud prevention: using the PAR value, merchants can detect and flag potentially
suspicious activities more effectively.
Customer support: enables customer support to more easily retrieve and track
transactions when customers call to inquire or dispute a charge, thereby facilitating a
quicker customer resolution.
Personalized services: merchants can better understand their customer spending
patterns and preferences. This could assist merchants to offer personalized promotions,
rewards, and experiences, enhancing customer satisfaction and loyalty.
Regulatory Compliance: PANs can assist merchants in meeting regulatory requirements, such
as anti-money laundering (AML) and know your customer (KYC) requirements. To include the
PAR value, use the following fields:
REST API:
processorInformation.paymentAccountReferenceNumber
Simple Order API:
paymentAccountReference
Surcharge enables merchants to list surcharge as a separate line item for payment
transactions. This feature must be enabled with the merchant's acquiring bank before it
can be used. The surcharge amount will be included in the following fields:
REST API:
orderInformation.amountDetails.surcharge.amount
SOAP API:
surchargeAmount
This field value should include a decimal point between dollars and cents. For example:
5.25.
Important Dates
Released to production November 1, 2024.