* 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: iveri%20Lite%20flowchart%20-%20horizontal%20-%202024 [1] /*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, t

** * 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

3D Secure authentication is an additional layer of security used in online credit and debit card transactions. It is designed to provide increased protection against unauthorised use of cards for online purchases. A scenario of how it works: 3D%201 [1] John is an avid online shopper who frequently purchases electronics from an e-commerce website called "ElectroZone." One day, he decides to buy a new smartphone from ElectroZone's website, which offers a wide range of products at competitive prices. Here's how the 3D Secure authentication process applies to John's online purch key Takeaways: 3D%202 [2] John's online purchase was secured with 3D Secure authentication, which added an extra layer of protection against unauthorised transactions. The verification process ensured that only John,

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