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Card Processors

Introduction

You can find this section under Payment Processing > Card Processors in the IRP Admin left navigation menu.

The page shows you all the Card Processors configured in your system. You will see details of the Admin Name, Provider, Merchant ID, Account Name, Currency and Card Type. You can use the page to test accounts and edit their configuration details.

To accept card payments, you must set up a Card Processor in your IRP admin. This section will detail the process for setting up a Card Processor for a Payment Gateway, such as Worldpay or Realex.

PaymentProcessors.aspx page

The main PaymentProcessors.aspx page appears as follows:

Payment Processors page

You can see the following details in the main grid:

  • ID: The ID in the database associated with this Payment Processor. This is added automatically by the IRP.
  • Active: Whether or not this Payment Processor is to actively process payments on the website. When Active is set to true, the website will actively try to use this Processor for any payments which match the card and transaction details being processed. When Active is set to false, the website ignores this Processor. However, you can still test it using the Test button.
  • Admin Name: This is the name of the Card Processor for identification within IRP Admin.
  • Provider: This is the Payment Gateway Provider - the company you are using to provide online card payments for the website. For example, Realex Payments.
  • Merchant ID: The Merchant ID is the overall account name you have with your Payment Gateway Provider. For example, with Realex Payments, this will be something like 'yourcompanyname', only replaced with something closely resembling your company's actual name.
  • Account Name: The Sub Account is the name of the actual account under your Merchant ID that the payments go into. For example, with Realex Payments, the default value for this is 'internet'.
  • Currency: If this Payment Processor account is going to be accepting payments from a single currency only, this is the Currency ISO associated with it.
  • Card Type: If this Payment Processor account is going to be accepting payments for a single Card Type only, this is the Card Type associated with it, for example 'American Express', 'Visa', etc. Normally this will be 'All Unassigned Types'.
  • 3D Secure: Indicates which version of 3D Secure is enabled for this processor.
  • Digital Wallet: Indicates which Digital Wallets (if any) are enabled for this processor, e.g. Apple Pay, Google Pay, etc.
  • Test: Click this button to test an existing Card Processor. For more details, see How To Test a Card Processor in this section.
  • Edit: Click this button to edit an existing Card Processor. For more details, see the How To topics in this section.

At the top of the page you can use the following buttons:

  • Currencies: Click this button to go to the Currencies.aspx page where you can view and edit details of any of the Currencies that you have configured in the IRP. For more details, see the Currencies help topic.
  • Test Card Processors: Click this button to go to the PaymentProcessorTestTransaction.aspx page where you can test both standard card transactions and digital wallet transactions. For more details, see How To Test a Card Processor.
  • Transactions: Click this button to go to the PaymentProcessorTransactions.aspx page where you can view details of all transactions including Successful versus Unsuccessful Transactions or errors, Standard Declines and Potential Erroneous Card Transactions. For more details see the section below entitled Card Processor Errors and Transactions.
  • Add New Card Processor: Click this button to go to the PaymentProcessorEdit.aspx page on which you create a new Card Processor. This process is explained below in the sections called How To Add or Edit a Realex Card Processor, How To Add or Edit a Worldpay Card Processor and the other How To articles.
  • Settings 'cogwheel': Click this button to go to the PaymentProcessingSettings.aspx page. From here you can adjust any of the Application Settings relating to Payment Processing. For more details, see the Card Processor Settings help topic.

Global Payments (Realex)

To set up the Card Processor you will need several details from your Realex Account Manager. You will need these:

  • Realex Merchant ID
  • Shared Secret
  • Rebate and Refund Passwords

Worldpay

To set up the Card Processor you will need several details from your Worldpay Account Manager. You will need these:

  • Admin Code
  • Merchant Code
  • XML Username
  • XML Password

(Your Worldpay Account Manager will also provide you with an Installation ID, which is simply for your own reference.)

You can update these values against the Payment Processor. Your Worldpay Account Manager will also provide you with an Admin Interface login for Worldpay so that you can view your transactions and perform manual capture, voids or rebates.

Back-end processing allows you to perform exactly the same tasks as can be performed via Realex Card Processors:

  • Additional Charges
  • Refunds
  • Cancellations (Voids)

Note that these actions can be performed from the OrderManage.aspx page either manually or resulting from Addition, Cancellation or Refunding of Order Items.

You must ensure that, for all Worldpay features to work with the IRP, you have asked your Worldpay Account Manager about the following settings on your account:

  1. If you want to use 3D Secure, you must set up a 3DS Merchant Code as well as a non-3DS Merchant Code. The non-3DS Merchant Code will allow you to perform back-end charges in the IRP.
  2. If you want to use 3D Secure, you must ensure that the ECI and CAVV values are being returned in the Worldpay response XML. These values are particularly important for determining Fraud Scores.
  3. The Worldpay account must be set up to have a Capture Delay of 0.

Note that the Amount to Authorise if Out of Stock value held against Worldpay Payment Processors should be set to 0.00.

Note on Worldpay ISO 8583 Response Codes: For Worldpay card transactions, if ISO 8583 extended error codes are sent in the response, the codes are parsed and stored against the transaction. Although this has been implemented in the IRP, ISO 8583 codes must be enabled by Worldpay on accounts and you would need to discuss this with your Worldpay Account Manager. This feature cannot be tested unless Worldpay has turned this on.

For more information, see the How To Add or Edit a Worldpay Card Processor topic in this section.

Apple Pay

Apple Pay

Apple Pay provides your customers with an easy, secure and private way to pay on your website. It is one of the newest and fastest forms of making payments.

Note: Currently Apple Pay is available only to Global Payments (Realex) customers.

For more information, see How To Configure Apple Pay on the IRP

Google Pay

Google Pay

Google Pay 'opens up your business for more business'. Google Pay is a fast, simple way for customers to pay on your website and in store using the cards saved to their Google account. It protects the customer's payment information with multiple layers of security using one of the world's most advanced security infrastructures to help keep accounts safe.

Note: Currently Google Pay is available only to Global Payments (Realex) customers.

For more information, see How To Configure Google Pay on the IRP

American Express (AMEX)

The AMEX configuration on the IRP side is dependent on how it is configured with RealEx. You need to speak with your Realex representative to confirm several details about the currencies in which you can process AMEX transactions, the name of the sub accounts that you need to use and other password details. Sub accounts must be set up for each account /currency combination.

For more information, see How To Configure American Express (AMEX) On The IRP

Card Processor errors and transactions

You can also see errors associated with card processing by clicking the Transactions button at the top of the page. This takes you to the PaymentProcessorTransactions.aspx page where you can view full details of all transactions. This shows Successful Transactions as well as Unsuccessful Transactions or errors. Standard Declines and Potential Erroneous Card Transactions are differentiated and can be filtered as such in the grid.

The PaymentProcessorTransactions.aspx page appears as follows:

Card Processor Errors

You can use the search bar to find any Payment Processor, All Transactions, Successful Transactions or Failed Transactions. You can also filter by Failure Type (Potential Errors, Genuine Failures or All Unsuccessful Transactions) and by Date Range. The main grid shows numerous details including the ID, Transaction Type, Processor, Processor Type, Order ID, Customer ID, Processor Offline status, Amount, Success status and TimeStamp.

To view the details of any transaction, click the More Details button. This takes you to the PaymentProcessorTransactionDetails.aspx page where you can see full transaction details (including currency and card type details), error details and the response from the Payment Processor. If the transaction was 3D Secure, you will also see a tab called 3DS Details where you can view numerous details about the 3D Secure response and values.

How To Guides (7)

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How To Add or Edit a Realex (Global Payments) Card Processor

To add or edit a Realex Card Processor, follow these steps:

  1. Go to Payment Processing > Card Processors on the left navigation.
  2. To create a new Card Processor, click the Add New Card Processor button at the top of the page.
    To edit an existing Card Processor, click the Edit button at the right side of the Card Processor you wish to update.
  3. Enter or edit the following details:

    Card Processor Details tab

    SettingDescription
    Card Processor Details
    Card Processor ID The ID in the database associated with this Payment Processor. This is added automatically by the IRP.
    Active Whether or not this Payment Processor is to actively process payments on the website.
    When enabled, the website will actively try to use this Processor for any payments which match the card and transaction details being processed.
    When disabled, the website ignores this Processor. However, you can still test it using the Test button on the previous page.
    Provider Select the Payment Gateway Provider, in this case Realex Payments. This is the company you are using to provide online card payments for the website.
    Note that what you select here will change the settings that are available for you to configure on the rest of the screen.
    Admin Name This is a reference you give to this Payment Provider within your IRP. It can be anything you wish.
    Merchant ID Merchant ID is the overall account name you have with your Payment Gateway Provider. For example, with Realex Payments, this will be something like 'yourcompanyname'.
    Sub Account The Sub Account is the name of the actual account under your Merchant ID that the payments go into. For example, with Realex Payments, the default value for this is 'internet'. However, you should fill in whatever your Payment Gateway Provider has given you.
    CurrencyISO You should only set this if this Payment Processor account is going to be accepting payments from a single Currency only. In almost all circumstances, you can leave this at its default setting, 'All Unhandled Currencies'.
    Card Type You should only set this if this Payment Processor account is going to be accepting payments for a single Card Type only. In almost all circumstances, you can leave this at its default setting, 'All Unassigned types'.
    3D Secure Enablement Set the 3D Secure capabilities of this Card Processor:
    • 3D Secure and Non-3D Secure: This processor will process both 3DS and Non-3DS transactions (such as Telesales). Ensure that the '3D Secure Version' has been set in the drop-down below.
    • Non-3D Secure Only: This processor will only process non-3DS transactions, such as Telesales. Commonly known as a MOTO.
    • 3D Secure Only: This processor will only be used for 3DS transactions. Setting up a 3D Secure Only Processor usually coincides with an additional processor being used for Non-3D Secure Only transactions, such as Telesales.
    3D Secure Version Select which version of 3D Secure is enabled for this processor (Version One or Version Two). Note: Contact Global Payments to ensure 3D Secure v2 and v1 are enabled on all your Merchant ID.
    Amount to Authorise if Out of Stock This value is the amount the system will authorise on the Customer's card for when you are not charging for the Order at the time of purchase. It should be a very small value, usually one major currency unit, e.g £1, $1, etc.
    Shared Secret / Passwords
    Shared Secret Shared Secret is the password given to you by your Payment Gateway Provider, usually over the phone, to enable you to process payments using this account.
    Rebate Password Rebate password is given to you by your Payment Gateway Provider to enable you to process rebates. For example, with RealEx Payments, the default is 'refund'. It is highly recommended you change this with your Payment Gateway Provider.
    Refund Password Refund password is given to you by your Payment Gateway Provider to enable you to process refunds. For example, with Realex Payments, the default is 'refund'. It is highly recommended you change this with your Payment Gateway Provider.
    XML Posting URLs
    Post Url The standard URL your Payment Gateway Provider uses to accept the messages from the website. You should only change this if your Payment Gateway Provider has informed you this URL has changed.
    Post Url (3DSecure) The URL your Payment Gateway Provider uses to accept messages specifically about 3D Secure transactions. You should only change this if your Payment Gateway Provider has informed you this URL has changed.
    Post Url (Redirect) The URL your Payment Gateway Provider uses to accept messages specifically when you are using a 'Redirect' payment option.
    A 'Redirect' option means that the website does not actually take the credit card details from the customer when they are paying, but sends them to a page hosted with the Payment Gateway Provider.
    You should only change this if your Payment Gateway Provider has informed you this URL has changed.
    Post Url (Tokens) The URL your Payment Gateway Provider uses to accept messages specifically about transactions dealing with tokenized payments.
    Tokenized payments mean that the Payment Gateway Provider is accepting responsibility for storing the card details, and the IRP simply stores 'tokens' which represent the details in the Provider's systems. This is more secure for your own systems. For example, Realex Payments solution for this is called RealVault.
    You should only change this if your Payment Gateway Provider has informed you this URL has changed.

    Digital Wallets tab – Apple Pay tab

    SettingDescription
    Apple Pay Details
    Apple Pay Enabled Check this box to enable Apple Pay on this Card Processor. If checked, and if on an Apple Pay-enabled browser, an Apple Pay button will appear for this Card Processor if the Merchant Identity Certificate validates against your Domain.
    Merchant Identifier Enter the Plain Text Apple Pay Merchant Identifier for this Card Processor - this is different to the value stored in your Apple Pay Merchant Identity Certificate, for example: merchant.website.com. (Your Account Manager or IRP Partner & Agency Manager can assist you with this information.)
    Domain Verification Apple Pay requires a Domain to be checked by uploading a .txt to the root directory of your website - use the adjacent file uploader to upload this domain verification file to your IRP. Click the Click to Download button to download the Current Apple Pay Domain Verification File. (Your Account Manager or IRP Partner & Agency Manager can assist you with this information.)
    Allowed IP Addresses When testing, you may wish to enable this Card Processor with Apple Pay for a set of IP Addresses. If so, add a comma-delimited list of IP Addresses you wish the Apple Pay button to be visible for. If you want this Card Processor to be Apple Pay enabled for everyone, leave this text box empty.
    Run in Test Mode When this box is checked, Transactions will be sent to the Payment Processor with a Transaction Order ID of 'TEST-{unique value}'. This is so that Test Transactions can be easily identified in your Card Processor account. Test Transactions will only use the specified Test Amounts unless specifically set from the Simulator page.
    Merchant Identity Certificate
    Upload Upload your Apple Pay Merchant Identify Certificate (.p12 file) here. This should be generated from a Mac with Keychain Access. (Your Account Manager or IRP Partner & Agency Manager can assist you with this information.)
    Current This shows the current Merchant Identity Certificate (.p12 file) uploaded against this Card Processor.
    Password The password (if any) attached to the Merchant Identity (.p12 file) Certificate. Leave blank if this certificate does not have a password. Click the Validate Certificate button to validate the certificate. (Your Account Manager or IRP Partner & Agency Manager can assist you with this information.)

    Digital Wallets tab – Google Pay tab

    SettingDescription
    Apple Pay Details
    Google Pay Enabled Check this box to enable Google Pay on this Card Processor. If checked, and if on an Google Pay-enabled browser, a Google Pay button will appear for this Card Processor.
    Merchant Identifier Enter the Merchant Identifier (from Google) for this Card Processor. Note that in Test Mode, this value will always be blank.
    Allowed IP Addresses When testing, you may wish to enable this Card Processor with Google Pay for a set of IP Addresses. If so, add a comma-delimited list of IP Addresses you wish the Google Pay button to be visible for. If you want this Card Processor to be Google Pay enabled for everyone, leave this text box empty.
    Run in Test Mode When set to true, Transactions will be sent to the Payment Processor with a Transaction Order ID of 'TEST-{unique value}'. This is so Test Transactions can be easily identifier in your Card Processor account. Test Transactions will only use the specified Test Amounts unless specifically set from the Simulator page.
  4. Once you have entered all of these details, click the Insert Card Processor button or the Update Card Processor button to save the Card Processor.

Now that all of the required information has been entered, you should test the Card Processor connection. This is described in the How To Test a Card Processor guide.

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How To Add or Edit a Worldpay Card Processor
Open
How To Test a Card Processor
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How To Configure Apple Pay on the IRP
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How To Configure Google Pay on the IRP
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How To Configure American Express (AMEX) On The IRP
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How To Understand Payment Transactions Using 3D Secure

FAQs (1)

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Are iframes used in the checkout process?
An iframe is used only during the 3D Secure process. The IRP does not handle the data entered into the 3D Secure form (the form is supplied by the bank).
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