Live phase * ** Before the merchant can start doing Live transactions, the acquirer or iVeri must validate that their implementation is correctly completed. For that purpose, the merchant shall send a request via email to the acquirer contact (available here) once they have completed their implementation, and after they have tested in the Test environment, while providing the following: Merchant's Website URL User Group Number / Merchant number  Test login credentials (Username / Password) for logging in to the merchant website as an end-user (if applicable) NB: It is time consuming for our test team to register as users on each website that we have to test hence this is required by them. If no log-in required, please state so within your email. Instruction on how to buy products from your

* Development phase * ** At this stage you will proceed with development based on the integration method [1] you have selected, and may reach out for your contact at the acquiring bank if you require support. [1] /knowsystem/general-requirements-10

*Registering as a merchant * ** Merchant account can be attained by registering with an acquiring bank, a list of which can be found on this page [1] [1] /knowsystem/distributors-contact-information-33

* iVeri Lite Process Flow * ** iVeri Lite requires very little integration and is aimed at Internet merchants who have limited technical resources. Lite transactions are processed on a web site and secured via an SSL certificate without the merchant having to buy SSL since iVeri lite takes care of it on their behalf. Although ideal for websites with small catalogs, iVeri Lite still provides a powerful processing engine. */ Process Flow /* This diagram illustrates the flow of events of an iVeri Lite transaction: /*Process Flow Description:*/ (1) The cardholder is at the point in the purchase process where the basket has already been selected and he is now on the brink of paying for it. The website thus knows the price of the basket, the Invoice Number (the merchant could also have iVeri Bac

** * Payment Features * ** Depending on the acquirer involved, iVeri Lite has the capacity to offer the following * payment methods * : Card: VISA MasterCard AMEX Diners UPI Mobile Money EcoCash M-Pesa Additional payment methods: MasterPass Visa Checkout Visa Account Funding Transactions Mastercard Funding Transactions Account-to-Account Transfer: Ozow *Other functionalities available:* *3DSecure: *iVeri Lite, being an e-commerce product, allows for 3DSecure protocol for payer authentication in online transactions, if configured accordingly. To learn more about 3D Secure, visit None [1] this page . *Fraud Management* *Transaction history reporting* *Merchant Portal - BackOffice*: Merchant Portal includes features that are merchant-specific such as reporting, payment pa

Authorisation/Debit with 3DS 2 Data * ** Merchants have the choice of doing 3D secure authentication directly with the 3DS Vendor ("MPI")  or via the   iVeri Gateway.  [1]  In any event, when the authentication process is completed successfully, the merchant can POST the payment instruction to the iVeri Gateway with the authentication data using the   SOAP [2]   or   REST [3]   webservice. Debit/Authorisation Payment Parameters * The applicable set of 3DS 2 parameters are expected in the Authorisation/Debit message are as follows Parameter * Description *     CardHolderAuthenticationID Mandatory for 3DS 1 and 2: Commonly known as an XID:  * Unique identifier generated during the 3D secure process CardHolderAuthenticationData Mandatory for 3DS 1 and 2:  * Commonly know

3D Secure 2 Test Cases BY 3D secure Vendor/MPI * ** The MPI test cases that should be used are depended on the acquiring bank that holds the merchant agreement or PSP that will be processing the payments on the Gateway on behalf of the merchant Things to note about the test cards:* CVV not required Expiry must be current or future date BANKSERV  * For merchants and acquiring banks in South Africa and Kenya Frictionless Full authentication * Scenario 1 * Authenticated Frictionless Transaction * Test Values * Visa*:4069425217889137 MC:*5163426869252246 DINERS*:36135230403232 Expected results - Lookup * EnrolledStatus: Y paresTxStatus: Y TDS2.transStatus: Y ECI (Visa): 05 ECI (MCI): 02 ECI (DINERS): 05 PARESVERIFIED: true PROTOCOL: 3DS 2.1.0 MD_STATUS: 1 MD_ERROR_MESSAGE: Authenticated Action

3DS 2 Parameters * ** Request Parameters * Parameter * Description * Merchant ReturnUrl Mandatory: The URL which the Gateway will post return response parameters to ApplicationID Mandatory: Merchant Application ID generated upon the creation of the merchant profile on the iVeri Gateway MerchantReference Mandatory: A merchant generated identifier that is unique within a specified time that identifies a transaction sequence. Amount Mandatory: The total value of the transaction in the smallest unit of the currency specified (eg in cents) Currency Mandatory: The ISO 4217 currency code of the value of the transaction. e.g., USD or ZAR or GBP PAN Mandatory: Card number used for transaction ExpiryDate Mandatory: The last month of the validity period of the card, formatted as MMYY or   MMYYYY Card

3D secure is an EMVCO standard which is made up of 6 major card brand networks, allowing merchants to accept and process authenticated online transactions by cardholders with their bank prior to the actual authorization of the payment. Through the iVeri Gateway, the following 3D secure authentication services from the card schemes are supported. Verified by VISA (VbV), SecureCode by Mastercard,  SafeKey by American Express,  UPOP by UPI Protect Buy by Diners Merchant Benefits * Acceptance of authenticated transactions via 3D secure deters unauthorized card use. Enables the merchants to receive protection, liability shift from fraudulent chargeback activity

3D Secure * ** 3D secure is an XML-based security protocol for online credit and debit card transactions. 3D Secure adds an authentication step for online payments, making it possible for cardholders to authenticate their online transactions with their card issuers, using a password or OTP. Benefits of using 3D secure * Reduces fraudulent debit & credit card transactions processed through online platforms Gives the merchants and acquiring bank liability protection 3D secure providers * CyberSource Bankserve 3D secure with iVeri * High: 3D secure – If a merchant is deemed high risk, the acquiring bank can set merchants on this level. Merchants that want lowest possible risk can also opt for this level. Medium: 3D secure/attempted- This option gives merchants a broader reach in the cards the