Merchant Card Payment Engine

Transcription

1 Merchant Card Payment Engine GATEWAY FREEDOM +BANK VYC INTEGRATION SUPPLEMENT Copyright PayPoint.net 2010 This document contains the proprietary information of PayPoint.net and may not be reproduced in any form or disclosed to any third party without the expressed written permission of a duly authorised representative of PayPoint.net Limited. Registered in England No: VAT Reg. No:

2 PayPoint.net Gateway Freedom +Bank VYC Supplement 30th June 2008 Table of Contents 1 Overview VYC (Verify Your Customer) VYC Checks VYC Request Initiation VYC Request Parameters Address Representation VYC Response Merchant Extranet Reporting Support & Disclaimer... 6 Table of Figures Figure 1: VYC Integration Overview... 3 Figure 2: VYC Request Parameters... 4 Figure 3: VYC Response Parameters... 5 Figure 4: AVS/VYC Report screenshot... 6 Page 2 of 6

3 1 Overview Merchants accepting card payments in the online and card not present environment face an ever-increasing threat of fraud from identity theft. Many Merchants face challenging legal compliance issues. PayPoint.net offer a range of highly effective tools and services to reduce risk, ensure legal compliance and enhance profitable customer relationships. PayPoint.net VYC (Verify Your Customer) is a powerful service that enables you to perform a range of age and identity checks on any UK consumer as part of an authorisation request to the Merchant Card Payment Engine (MCPE). Checks are performed in real time and typically add less than a second to the payment process. The service is designed to automatically validate name, address and date of birth. A mortality database is also checked to help combat the growing problem of identity theft. This document assumes you have read the MCPE Gateway Freedom +Bank Integration Guide*. You may also wish to consult the VYC (Verify Your Customer) User Guide. *and where appropriate, the MCPE AVS integration supplement for Merchants currently using Address Verification Service (AVS) via API 2 VYC (Verify Your Customer) The VYC product is designed to provide quick and easy access to our core customer verification services. This is made possible by aggregating a key set of UK-based look-ups and indicators into one simple check mechanism. VYC will provide an accessible and natural progression for Merchants currently using our Address Verification Service (AVS) but requiring a relatively inexpensive way to ensure far greater confidence in their checks. VYC is also ideally suited to Merchants processing UK customer payments via an acquiring Merchant Account but wanting a quick and easy way to validate their customers identity and address using a variety of premium sources. Figure 1: VYC Integration Overview Traditional Integrations Payment Request via Acquirer Payment Response Address Verification Request via PayPoint.net Address Verification Response Integration with VYC Payment Request via Acquirer Payment Response VYC Request VYC Response Address Verification Request via PayPoint.net Address Verification Response VYC Request VYC Response Merchants holding Merchant Account Merchants performing AVS Only Via the Merchant Extranet (see Section 7) it is possible to perform VYC checks against existing transactions, which is perfectly suited to Merchants wishing to obtain additional verification of customers before fulfilling their purchases. 3 VYC Checks Metacharge VYC performs several core checks against the following data sources: UK Electoral Roll (confirming name and address) UK Directory Enquiries DB (confirming name and address) UK Consumer Credit Industry DB (confirming name, address and date of birth) UK Mortality Check (negative check confirming whether identity is deceased) All checks are performed using high-quality premium data sources. The UK Electoral Roll check is able to query at least six years of local records, whilst the UK Directory Enquiries check can even validate the identity of ex-directory users. Page 3 of 6

4 4 VYC Request Initiation The MCPE Gateway Freedom +Bank integration supports VYC by accepting additional variables as part of the HTTP POST which is made to (see MCPE Gateway Freedom +Bank Integration Guide). A VYC Request can be initiated as part of a corporate payment request to MCPE, using these additional fields: vycgender (the gender of the customer, i.e. M or F) vycfirstname (the first name of the customer) vyclastname (the last name of the customer) vycpremise (the house or building number or name of the customer address, i.e. 114, 10A, The Shrubbery) vycsubpremise (any building specific identification, i.e. Flat 15, First Floor Rear Flat) vycstreet (the street of the customer address) vyccity (the town or city of the customer address) vycstate (the county, region or state of the customer address) vycpostcode (the postal code or zip code of the customer address) vycbirthdate (the birth date of the customer, in the format DDMMYYYY) The VYC check will take place before any card authorisation. 4.1 VYC Request Parameters The table below details fields that must be submitted in a VYC Request to MCPE. Several of the VYC fields can be optionally excluded from an MCPE Freedom +Bank request. These are highlighted in the table below. Often however, supplying these values will increase the accuracy and validity of a match. For convenience and to save duplication, some fields can be excluded in order that an existing MCPE request value is re-used. These are described in the Alternative column below. Figure 2: VYC Request Parameters Field Type(Size) Optional Alternative Notes vycgender char(1) The gender of the customer, i.e. M, F vycfirstname char(2-40) The first name of the customer vyclastname char(2-40) The last name of the customer vycpremise char(2-40) The house or building number or name of the customer address. Typically used to identify a property on a street. vycsubpremise char(2-40) Yes Any building specific identification for the property, where street number or name is insufficient or ambiguous. vycstreet char(2-40) Yes The street of the customer address vyccity char(2-40) Yes strcity The town or city of the customer address vycstate char(2-40) Yes strstate The county, region or state of the customer address vycpostcode char(2-15) strpostcode The postal code or zip code of the customer address vycbirthdate char(8) Yes The birth date of the customer, in the format DDMMYYYY 5 Address Representation To maximize successful checks, addresses must be supplied in a recognisable format. For irregular cases, the following guide should be used in order to submit component parts of the address in the correct fashion. 10A New Street Flat 4, Kings Court, New Street The Shrubbery, New Street vycpremise vycstreet 10A New Street vycpremise Flat 4 vycsubpremise Kings Court vycstreet New Street vycpremise vycstreet The Shrubbery New Street vyccity vycpostcode Page 4 of 6

5 6 VYC Response You will be notified of the outcome of your VYC check in the same session as your authorisation request. The VYC Response is part of an MCPE Freedom +Bank response: a URL-encoded query string including your original submitted VYC values and: vycercheck (the outcome of the Electoral Roll check) vycbtcheck (the outcome of the Directory Enquries check) vycmccheck (the outcome of the Mortality check) vyccccheck (the outcome of the Consumer Credit check) vycdobcheck (the outcome of the Date of Birth check if required information supplied) A simple boolean format response is provided in each case, returning a value of 1 if the customer passes the check and a value of 0 if the customer fails the check. If for any reason the check is not performed, the field will not be returned. Figure 3: VYC Response Parameters Field Type(Size) Notes vycercheck int(1) Indicates the outcome of the Electoral Roll check. 1 = PASS, 0 = FAIL vycbtcheck int(1) Indicates the outcome of the Directory Enquiries check. 1 = PASS, 0 = FAIL vycmccheck int(1) Indicates the outcome of the Mortality check. 1 = PASS, 0 = FAIL vyccccheck int(1) Indicates the outcome of the Consumer Credit check. 1 = PASS, 0 = FAIL vycdobcheck int(1) Indicates the outcome of the Date of Birth check. 1 = PASS, 0 = FAIL Additional information on the outcome of a VYC check, including check-specific data and a summary of alternative indicators are available by reviewing the full transaction detail via the Metacharge Merchant Extranet. 7 Merchant Extranet The Merchant Extranet is an extensive online reporting and management tool. It provides a range of features with which to review and perform VYC checks. The Merchant Extranet is located at Comprehensive PayPoint.net transaction detail screens provide extensive summary information about VYC checks alongside all traditional payment information, whilst also allowing new checks to be performed against existing customers and transactions. Page 5 of 6

6 An at-a-glance report (see section 8) summarises the outcome of all customer verification checks for easily managing risk, and a ready-to-use VYC Terminal provides a simple means to manually obtain new check results through a simple interface. A separate VYC User Guide provides more information on the VYC Terminal along with all the reporting functionality and transaction and verification detail available via the Merchant Extranet. The guide is available from the Merchant Extranet*. *Resources > Documentation 8 Reporting Any VYC transaction can be accessed and viewed using traditional reporting means, including transaction search (Sales > Search) or listed alongside all other transactions in an Account Statement view (Sales > Statements). However, a dedicated VYC report provides a simple colour coded summary of only those transactions in which checks (along with AVS checks) were performed, listed with results in a simple colour-coded format. It can be found via Sales > VYC Report. Figure 4: AVS/VYC Report screenshot Hover help identifies the check type referred to by each column heading and the report can be re-configured according to a desired date range or other specific criteria. Each transaction can be accessed directly simply by click-through. 9 Support & Disclaimer If you have any questions or you require further information or support, please contact the Merchant Helpdesk at completesupport@paypoint.net or call during office hours GMT on +44 (0) Please do not contact us for any non-technical queries regarding the results provided by any VYC check. These checks are performed against confidential data and unfortunately we are unable to comment on the actual records held. This is a requirement of the Data Protection Act. All checks performed merely validate information which is provided in a VYC Request against a range of sources. We do not have access to, nor can discuss, specific customer data. Page 6 of 6