Payment methods
VISA CheckOut
Visa Check-Out is a digital representation of a cardholders Visa Card. Cardholders can register their debit or credit cards by downloading the Visa Check-Out app. Once cardholders have their profiles and card details loaded in Visa Check-out, they are able to make purchases at merchants who are accepting Visa Check-Out payments.
Illustration of Visa Check Out with Enterprise
Process Flow in Visa Check-Out with enterprise
- Cardholder selects Visa Check-Out as payment method
- Enterprise Merchant calls Visa Light Box or Widget and presents it to the Cardholder to Login
- Cardholder Logins via Visa Light Box
- Cardholder selects a card and presses Continue
- Upon clicking Continue, Enterprise Merchant sends the Call ID to the iVeri gateway
- The iVeri gateway uses the Call ID to get the Payload from Visa services
- Payload is returned by Visa services to the iVeri gateway
- The iVeri gateway decrypts the Payload and retrieves the PAN
- The iVeri gateway sends the transaction request to the acquire for processing
- When a response is received, the iVeri gateway sends the transaction response to the enterprise merchant
- Lastly, the enterprise merchant updates Visa services with a failed or successful transaction response.
Note:
This functionality is not available by default, it is specific to an acquirer.
The process flow described below only show cases the interaction between cardholder, enterprise merchant, the gateway and Visa service
Foreign Exchange
Dynamic Currency Conversion (DCC)
DCC is service that enables payment card cardholders to make international card purchases or transactions in their own currency. The conversion of the purchase price of goods or services from the merchant’s local currency to the cardholder’s home currency occurs at the point of sale at the quoted exchange rate from a cited exchange rate source.
DCC Transaction Flow
- Perform an enquiry DCC rate request using a PAN and Amount to the iVeri Gateway
- Merchant presents the returned DCC rate offer to the customer
- Perform a transaction using the customers elected currency
DCC Messages
REST
SOAP
Perform a transaction using the customers elected currency
REST
SOAP
Multi-Currency Pricing (MCP)
MCP offers eCommerce merchants the ability to sell their goods or services in currencies other than their base/local currency. This gives the merchant the ability to transact with new customers around the world while at the same time they can generate a new revenue stream. With MCP, the merchant prices goods/services in a currency other than, or in addition to, the merchant’s local currency.
The cardholder makes a purchase decision based on the price displayed by the merchant. The transaction is then completed with the price displayed by the merchant and the currency selected by the cardholder, with no currency conversion performed by the merchant.
MCP Transaction Flow
- Perform an enquiry message using MCP enquiry message.
- Merchant makes use of the returned list of MPC rates and perform transactions based on the customers elected currency.
NB: Support of MCP is not yet publicly available to merchants.
MCP - SAMPLES
REST
SOAP
MasterPass
MasterPass is a safe and easy way in which merchants can present the QR code which customers can scan using a MasterPass application to affect a payment.
Create Code
Requirements
Merchant must be onboarded for MasterPass on the iVeri Gateway and on the MasterPass platform.
Create Code
Function: Generate a transactional code that can then be paid for by a cardholder. This code can be represented as a QR code, transferred using NFC or manually entered a device. The code can also be used as part of an In-App payment.
Create Code Parameters
Request Parameter | Description |
MasterPassAction | Mandatory, The action to perform. |
MasterPassMerchantID | Mandatory, The merchant id as captured on MasterPass. |
MasterPassShortDescription | Mandatory, This will be displayed to the consumer at the time a code is scanned. Length is 5 to 45 characters |
MasterPassCodeExpiryDate | Optional. If this is empty the code will by default expire in 30 minutes from issue. If this value is 0 the code will never expire. This time is specified in epoch. |
Amount | Mandatory, To use a variable amount use 0 as the amount. |
Currency | Mandatory, The currency is tied to the merchant setup. |
MerchantReference | Mandatory, Used to link code to transaction. |
Response Parameter | Description |
MasterPassAction | The action that was performed |
MasterPassCode | This is the result code |
MasterPassCodeExpiryDate | Date until the code is valid. This is in epoch time. |
Create Code – REST Sample
Create Code – SOAP Sample
Query Code
Function: Query a code that has been created.
Query Code Parameters
Request Parameter | Description |
MasterPassAction | Mandatory, The action to perform. |
MasterPassMerchantID | Mandatory, The merchant id as captured on MasterPass. |
MasterPassCode | Mandatory, The result code that must be queried |
Response Parameter | Description |
MasterPassAction | The action that was performed |
MasterPassShortDescription | Short decription linked to the code |
MasterPassCodeExpiryDate | Date until the code is valid. This is in epoch time. |
MasterPassMerchantName | The name of the merchant as captured on MasterPass |
Amount | Amount linked to the code. |
Currency | The currency is tied to the merchant setup. |
MerchantReference | Linked to the code. |
Query Code – REST Sample
Query Code –SOAP Sample
Delete Code
Function: Delete a code that has been created
Delete Code Parameters
Request Parameter | Description |
MasterPassAction | Mandatory, The action to perform. |
MasterPassMerchantID | Mandatory, The merchant id as captured on MasterPass. |
MasterPassCode | Mandatory, The result code that must be deleted |
Response Parameter | Description |
MasterPassAction | The action that was performed |
Delete Code – REST Sample
Delete Code – SOAP Sample
Update Code
Function: Query a code that has been created.
Update Code Parameters
Request Parameter | Description |
MasterPassAction | Mandatory, the action to perform. |
MasterPassMerchantID | Mandatory, the merchant id as captured on MasterPass. |
MasterPassCode | Mandatory, the result code that must be queried |
Amount | Mandatory, to use a variable amount use 0 as the amount. |
Currency | Mandatory, the currency is tied to the merchant setup. |
MerchantReference | Mandatory, used to link code to transaction. |
MasterPassShortDescription | Mandatory, This will be displayed to the consumer at the time a code is scanned. Length is 5 to 45 characters |
MasterPassCodeExpiryDate | Optional. If this is empty the code will by default expire in 30 minutes from issue. If this value is 0 the code will never expire. This time is specified in epoch. |
Response Parameter | Description |
MasterPassAction | The action that was performed |
Update Code - REST Sample
Update Code -SOAP Sample
Block Code
Function: This is an API call to temporarily block a code. This prevents purchases on the code.
Block Code Parameters
Request Parameter | Description |
MasterPassAction | Mandatory, The action to perform. |
MasterPassMerchantID | Mandatory, The merchant id as captured on MasterPass. |
MasterPassCode | Mandatory, The result code that must be blocked |
Response Parameter | Description |
MasterPassAction | The action that was performed |
Block Code Sample Message
Block Code – SOAP Sample
Unblock Code
Function: This unblocks a blocked code. This call enables future purchases on that code.
Unblock Code Parameters
Request Parameter | Description |
MasterPassAction | Mandatory, The action to perform. |
MasterPassMerchantID | Mandatory, The merchant id as captured on MasterPass. |
MasterPassCode | Mandatory, The result code that must be unblocked |
Response Parameter | Description |
MasterPassAction | The action that was performed |
UnBlock Code – REST Sample
UnBlock Code – SOAP Sample
EcoCash
EcoCash is a mobile payment solution that enables customers to pay for goods and services by simply using their mobile phones. To do this, the customer must provide their Ecocash registered mobile number on the merchant’s payment application, with it, the customer’s wallet (post authentication) is debited and merchant account credited.
Availability by country: only in Zimbabwe
Merchants can start accepting EcoCash payments by:
- Registering for an EcoCash merchant account with our acquiring partners in Zimbabwe
- Implement the Debit Instruction command, ensuring that the EcoCash BIN and a registered EcoCash mobile number are concatenated to form the input value for the PAN parameter.
- Expiry Date – current or future date must be set in the request.
REST