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Card Processors

How Tos (5)

IMPORTANT
This help topic covers new IRP V7 functionality and is currently in progress. V7 will be fully released to all IRP customers by the end of April 2020.

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.

Payment Processors page in IRP Admin


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'.
  • Apple Pay: Indicates whether Apple Pay is enabled for this processor (True / False).
  • Google Pay: Indicates whether Google Pay is enabled for this processor (True / False).
  • 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.
  • Card Processor Errors: 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 Card Processor Errors 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, error details and the response from the Payment Processor.



How To Guides (7)

If you are testing a test connection, the Payment Gateway will be able to provide test card details. We advise that you perform tests for all card types enabled in the Card Types section.

If you are testing a live connection, you can use a personal/business card. We advise that you perform this test while speaking with your Payment Gateway Account Manager. This way they can monitor the payment traffic to determine success or failure.

Standard Card Test Transactions

To initiate a test for standard card test transactions, follow these steps:

  1. Go to Payment Processing > Card Processors In the IRP Admin left navigation menu.
  2. Click the button at the right side of the Card Processor that you wish to test. Note that you must first add a Card Processor as described in the How To articles.
  3. Select the Standard Card Test Transactions tab.
  4. Enter the following details:

    SettingDescription
    Card Processor Select the Payment Processor to use when attempting a Standard Card Authorisation Transaction.
    Amount Enter the Amount for this Standard Card Authorisation Transaction.
    Card Holder Name The Name on the Card. For a Test Card, this can be any text string, e.g. test, your Name, your business, etc. For a Personal/Business Card, input the Name as printed on card.
    Card Number

    Valid test/personal/business Card Number.

    For test transactions when your account is in test mode, generally certain card numbers will be reserved by your Payment Gateway Provider to trigger certain responses for the various card types. In other words, there will be card numbers for successful transactions, card numbers for declined transaction, etc.

    Card Type Select the Card Type of the Card you are using.
    Expiry Date

    The expiry date as printed on the card.

    For test transactions when your account is in test mode, you should set this to a date in the future.

    Security Digits

    The card's three-digit CVV as printed on the back of the card.

    For test transactions when your account is in test mode, you can set this to any valid value for the card type you have chosen, usually 3 digits.


  5. Click the Attempt Standard Card Test Transaction button at the bottom of the page to initiate the test. (The Currency of the Payment Processor being tested is sent along with the Request.) If the details you have entered are valid, you will receive one of two responses:

    If you have used a test card, the result will depend on the number you have used. Click on the ‘Click this link to view the response’ link to open the XML response in a new tab. Check that the <message> and <result> tags contain the expected results.

    The <message> tag result should correlate to the test card number used, e.g. Successful, Declined, Comms Error, etc. If using a Personal/Business Card, you should receive a Successful response.

    The RealAuth Response Codes document contains a list of result values and their associated meanings for the <result> tag.

  6. A list of past transactions are displayed in the Test Transactions section. You can also view the XML responses for these transactions by clicking the button at the right hand side of the transaction you wish to view the XML Response for.

Digital Wallet Test Transactions

To initiate a test for digital wallet transactions (Apple Pay and Google Pay), follow these steps:

  1. Go to Payment Processing > Card Processors In the IRP Admin left navigation menu.
  2. Click the button at the right side of the Card Processor that you wish to test. Note that you must first add a Card Processor as described in the How To articles.
  3. Select the Digital Wallet Transactions tab.
  4. Enter the following details:

    SettingDescription
    Type Select Apple Pay or Google Pay.
    Card Processor Select the Card Processor to use for the Digital Wallet Test Transaction.
  5. Click the Apple Pay or Google Pay button to perform the test. The results will be shown at the bottom of the page in the Digital Wallet Test Transactions section. Click the More Details button to view a breakdown of the transaction.
  6. You can enter the email address to which the Mobile Digital Wallet Simulator Link should be sent.

FAQs (1)

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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