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Card Types

How Tos (1)

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

Card types are the different types of card that can be used to place orders on your site. A list of currently available card types are imported into your IRP during deployment. These card types are used when setting up Card Processors.

If you decide to use 3DSecure you can enable it here for the card types which support it.



How To Guides (1)

To Add/Edit a Card Type, follow these steps:

  1. Go to Payment Processing > Card Types on the left navigation.
  2. To create a new Card Type, click the button at the top of the page.

    To edit an existing Card Type, click on the button at the right side of the Card Type you wish to update.

  3. Enter/Edit the following details in the 'Card Type Details' section:

    Detail Required Description
    Accepted Whether or not you accept this Card Type on the website.
    Card Type The Card Type name that will be displayed on the website.
    Display Order

    This sets the order in which the Card Types are shown on the website in the Payment Details section.

    We suggest you put your most popular Card Types first. A lower number indicates a higher priority. For example, a Card Type with Display Order of 1, will appear before a Card Type with Display Order of 2.

    Card Processor Card Type

    This is the value that will be sent to RealEx. The following values are defined by RealEx in their Developers Guide (Page 37).

    Card Type Value
    Visa/Delta VISA
    MasterCard MC
    Switch/Solo SWITCH
    American Express AMEX
    Laser LASER
    Diners DINERS
    WorldPay Payment Method Code This is the Payment Method Code that will be sent to WorldPay in a Payment Request. If there is no value set here, CARD-SSL will be sent as the Payment Method Code. A list of Payment Method Codes can be found here.
    TradeTalk Card Type

    TradeTalk has the option to take the payment details on your behalf, and pass them onto you. They will pass down their Card Type, and this value is so you can match their values to one of your own Card Types.

    TradeTalk Card Types are:

    • Visa
    • MasterCard
    • Maestro
    • Solo

    You only need to have one of your Card Types set up to match each value.

    3D Secure Enabled

    3DSecure is the overall name given to Visa's 'Verified By Visa' and MasterCard's 'SecureCode' schemes. Its benefit is additional security for you that the cardholder's identity has been verified at the checkout.

    Enabling 3DSecure at this time is a trade-off. On one hand when customers use it, you can be greatly more confident that the transaction is not fraudulent, but on the other, there has not been widespread adoption by some of the much bigger online merchants, as it can cause confusion and result in less sales.

    Please note that you will also have to enable the Enable 3DSecure Application Setting in the Card Processor Settings section, as well as the 3D Secure Enabled setting against each individual Card Type.

    Issue Number Required Enabling this setting will mean that when this Card Type is selected on a Payment Details page, an Issue Number text box will be displayed for value entry.
    Security Digit Information This is the text displayed on Payment Details pages next to the Security Digit Image, explaining where the user can find the Security Digits on their card.
    Card Processor ECI Value For Liability Shift

    The ECI Values are used only for 3DSecure transactions, and are specific to your Payment Gateway Provider, e.g. RealEx Payments. These values are passed to your payment gateway to inform them of the status of our attempts to have the customer use 3DSecure.

    There are two values:

    • One which indicates we have done everything in our power to make the customer use 3DSecure. This means we qualify for what's called a 'Liability Shift'. i.e. the liability for any charge backs has been shifted onto the acquiring bank from you.
    • The other value indicates we don't qualify for this, and can be used in many reasons, e.g. we were unable to process the 3DSecure parts of the transaction process due to an error outside our control. We generally allow these transactions to go through.

    Even if using 3DSecure, it is still necessary to review each order to make sure it is legitimate.

    The values for Liability Shift for RealEx Payments are:

    • Visa Cards - 6
    • MasterCard/Maestro/Switch - 1

    Further Information on ECI values can be found in RealEx's RealMPI Remote Developers Guide (Page 37).

    Card Processor ECI Value For No Liability Shift

    The ECI Values are used only for 3DSecure transactions, and are specific to your Payment Gateway Provider, e.g. RealEx Payments. These values are passed to your payment gateway to inform them of the status of our attempts to have the customer use 3DSecure.

    There are two values:

    • One which indicates we have done everything in our power to make the customer use 3DSecure. This means we qualify for what's called a 'Liability Shift'. i.e. the liability for any charge backs has been shifted onto the acquiring bank from you.
    • The other value indicates we don't qualify for this, and can be used in many reasons, e.g. we were unable to process the 3DSecure parts of the transaction process due to an error outside our control. We generally allow these transactions to go through.

    Even if using 3DSecure, it is still necessary to review each order to make sure it is legitimate.

    The values for non-Liability Shift for RealEx Payments are:

    • Visa Cards - 7
    • MasterCard/Maestro/Switch - 0

    Further Information on ECI values can be found in RealEx's RealMPI Remote Developers Guide (Page 37).

  4. Enter/Edit the following details in the 'Security Digit Image' section:

    DetailRequiredDescription
    Upload Security Digit Image Upload a Security Digit Image to be displayed alongside the Security Digit Information text, indicating to the user where they can find their card's security digits. The image file must be in .PNG format.
  5. Once you have entered all of these details, click the / button to save them.

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