** * 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

3D secure 2 is the latest standard released by EMVCo that allows merchants and payment service providers to send additional data elements to the issuing bank of the cardholder, which in turn, makes it possible for the issuer of the card to perform frictionless authentication and offer an improved, better, user experience to the cardholder. With the additional data elements relating to the cardholder, issuers can apply Frictionless Authentication flows or “Challenged” authentication flows. Frictionless Authentication Flows: * issuers can apply risk-based decisions using the additional data received and trust that the real cardholder is making the purchase and auto authenticate the transaction in the background without requesting any additional information from the cardholder. Challenged Aut

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

The activation of 3D Secure hinges on the specific terms outlined in the merchant agreement with FNB and their corresponding Sales Manager. These requirements, however, vary based on the individual Merchant and the activation status of 3D Secure, applicable to the following solutions: Divert Lite Enterprise Should the Merchant be enabled for 3D Secure, the following steps must be followed: Navigation path: Applications > Update > Provider Specific) the 3D secure configuration of functions is related to Diners, Visa, Mastercard & American Express. 1. The following screen will appear. The user will select the product to configure and enable for 3D Secure. 3DW%201 [1] Navigate to the ‘Common Provider’ parameter and click on the expansion button. Once you have expanded the ‘Common Provider’ ta

An action corresponds to the combination of a payment mechanism and a command. The concept of an action is used within the documentation and examples as a means of describing functionality. The Enterprise API and iVeri Gateway use the concepts payment mechanism and command instead of Action. The iVeri Gateway allows for the following actions: Authorisation with PAN Reserve funds when a card is not present. This action is commonly known as a "Pre-Auth/Pre-Authorisation" Authorisation with Track2 Reserve funds when a card is present. Funds reservation is not applicable for cards requiring a PIN. This action is commonly known as a "Pre-Auth/Pre-Authorisation" Authorisation with VisaCheckoutCallID Reserve funds when a card is present. Funds reservation is not applicable for cards requiring a P

Additional Data for Procurement Transactions ** Procurement transactions refer to transactions that contain the line item (or order basket) details. If the line-item details are sent to iVeri within a transaction, then a procurement card holder get those details from their issuing bank (for example on their monthly statement). This is of assistance in tracking business to business transactions particularly in large corporations. Procurement transactions are currently only available within distributor Nedbank. Coding for Procurement * The following optional input parameters are Procurement specific per transaction: CustomerReferenceIdentifier  CustomerVATRegistrationNumber  DestinationCountry  DestinationZIPCode  NationalTax  NationalTaxIndicator  OrderDate  PurchaseIdentifier  ShipFromZIPC

Admin Portal * **

Now that we have a grasp of the process and the parameters required for a new BIN request, let's delve into the process of amending or updating an existing BIN. Navigation Path:* From the main menu select: Systems > iVeriDB BIN > Local BIN* 1. Capture the BIN number in the search bar provider.  Run the search. The information related to the BIN will populate. 2. To amend the BIN, select the ‘Edit’ tab. 3. The general information tab will populate with information relating to the BIN. Since this is an existing BIN you are amending or updating, the BIN number cannot be edited, which is why it appears greyed out. Update and amend the applicable parameters based on the requested amendments or updates. The most common parameters that are requested to be amended are ‘Card Number Length’ and ‘Car

Appendix A * ** The prompts are specific to devices so depending on which devices are attached to the Indigo server will determine which prompts are used. These prompts are, in general, loaded onto the device at initialisation so if this has not been done then prompts will not be supported. There is a hardcoded default prompt so that if the Index used from the list below does not happen to be loaded on the device or does not exist on the device then this prompt will be used as a generic request for data to be entered.