Overview
Overview of iVeri Lite - The Hosted Payment Page
The iVeri Lite hosted payment page is an ecommerce solution designed for merchants who want to accept card payments in their online stores. The iVeri Lite hosted payment page can be integrated in one of three ways:
- Full Redirect - A full Redirect to the Hosted payment page shifts the interaction of the shopper/buyer away from the merchant’s website and only goes back to the merchant website when the transaction is complete.
- LiteBox - The LiteBox hosted payment appears or pops up within the merchant’s website, the merchant’s website remains unchanged, providing for a more user friendly and seamless checkout experience for both cardholder and merchant.
- Shopping Carts - The iVeri Lite hosted payment page is integrated to some of the commonly used shopping carts.
The types of cards, transaction types, and payment methods accepted depend on the acquiring bank and merchant agreements.
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 this page. - Fraud Management
- Transaction history reporting
- Merchant Portal - BackOffice: Merchant Portal includes features that are merchant-specific such as reporting, payment page customization, and general configurations. More on iVeri Lite BackOffice features can be found on this page
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 BackOffice allocate the Invoice number for them by using the “AUTOGENERATE” option) .
(2) Once the “Submit” button has been clicked, the customer’s captured details are sent to the Gateway verifying that the ApplicationID is valid, validating the variables i.e. purchase amount is an integer and that all required fields have been populated.
(3) The customer’s card details are captured on a SSL secured website where, after clicking on the Submit button, validation of the entered values (i.e. credit card number, expiry date…) will take place. Once validation has succeeded a “Please wait ......” message is returned to the cardholder while the transaction is in process
Authorization is performed at the respective acquiring financial institution/department who will then interact with the issuing financial institution/department.
(4) The return of an authorization can be either of the following:
successful, failed, system error or please try again later.
A redirect is sent to the cardholder’s browser telling it which Result URL to display.
(5) In the event of a successful/error transaction the cardholder as well as the Merchant can be emailed a statement indicating the successful completion of the transaction. Those transactions can be tracked via the BackOffice.
(6) A success/error page is returned to the cardholder by the merchant to show the transaction type, transaction amount, authorization code, merchant reference and purchase date