Why Do I Have To Integrate?
The payment gateway is the conduit that enables online transactions to take place
between a consumer and a merchant. It is the technology that connects all parties
involved in the payment process, namely the merchant, the Acquiring banks, the Card
Associations (Visa and MasterCard) and the consumer's bank (known as the card Issuer).
In our case, merchants need to integrate to our platform to be able to carry out
online transactions that they want to settle to one of the banks that we work with.
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How Long Does It Take To Integrate?
Timescales depend very much on how much of a priority merchants give to integration,
and the experience of their technical teams. Our integration staff is very experienced
and able to manage and guide merchants across many variables.
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What Are My Integration Options?
Integration to our system is done via coding to our web service API. You design
a page that resides on your web server that securely obtains all the required cardholder
information (this page must be SSL encrypted), which in turn is submitted to us
by calling the appropriate web service method. The integration options will be dictated
by the type of processing and services that your business requires.
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What Integration Support Can I Expect To Receive?
Once you business has been approved by the Acquiring banks, the business development
team will make the appropriate introductions to our technical staff. They will forward
on a merchant questionnaire, that acts as an agenda for a conference call, to initiate
the integration process. Once you have signed our payment gateway agreement you
will be given access to the relevant API to review.
You will be assigned a lead technical resource, who is available to you via phone
and e-mail throughout the entire integration, testing and training process. You
can reach our technical team via support@fac.bm
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What Technical Expertise Will I Need To Provide?
To integrate to us, your developers must be able to provide client side security
for receiving cardholder information (credit card number, expiry date etc), as well
as being able to connect to us using HTTPS to pass information using SSL.
Your technical staff will also need to be able to write scripts or develop programmes
for your web server to provide the necessary integration.
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What Environment/Systems Do I Need To Have In Place To Be
Able To Integrate To You?
All you need is a web server that is Internet facing that you are able to write
scripts on that can be used to call our payment gateway API for transaction processing
purposes.
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Do You Have An API?
Yes.
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Can I See Your API Before My Business Is Approved By Your
Banks?
Possibly, but we must have a signed Non-Disclosure Agreement in place.
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What Are The Differences Between 3-D Secure™ And
Non 3-D Secure™ integrations?
Although 3-D Secure™ and non-3-D Secure™ transactions share many of
the same parameters, the process flows of the two transaction types are quite different,
and therefore the implementation methods also vary.
A non-3-D Secure™ transaction is fairly straightforward. It is a normal synchronous
request-response process flow between our platform and your servers. You send us
the required parameters, via our web service, and our payment gateway returns a
response back to you to action accordingly (for example redirect your customers
to a purchase successful or purchase unsuccessful page).
A 3-D Secure™ transaction is substantially more involved, which is why the
implementation of this method is different. The key difference is that the transaction
flows through the cardholder's browser as it is a requirement by the card industry
that the cardholder's browser has direct access to their Issuing bank's server when
entering their 3-D Secure™ password. As such it is not a direct request-response
transaction flow, and must be coded differently.
In addition, we offer merchants the opportunity to process 3-D Secure™ authentication
only transactions. These transactions are not in any way authorised, but are used
to ensure that the user of the card is indeed the owner of the card by requiring
the 3-D Secure™ password to be entered.
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Do You Provide Sample Code For 3-D Secure™ And Non
3-D Secure™ transactions?
Yes.
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Does One Integration Mean I Can Access All Your Acquiring
Banks?
From a technical integration perspective, yes, but from a business standpoint, no.
For you to access all the banks that we work with, you will need to have received
approval from each Acquirer BEFORE you are authorized to process transactions via
our payment gateway to that bank.
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What Are The Integration Costs?
From us, there is just a one-time integration fee that will be agreed at proposal
stage. This is payable to us on bank approval and once the technical process is
initiated, you will receive an invoice for immediate remittance.
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What Does Your Integration Fee Cover?
The fee covers the time and resources required from us to advise and guide your
teams through the integration process. The extent of these costs relates directly
to assisting you to implement our API. It does not extend to providing in-depth
developer and consulting support outside of the framework of our API.
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If We Don't Have The Technical Expertise, Will Your Team
Complete My Integration For Me?
Generally, no. Every case is different, and we would need to discuss your requirements
once the business development team has received approval from the banks and the
integration process begins. As business and systems are dynamic, it is important
that you retain a technical resource, who is capable of supporting your business.
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Do You Offer Technical Consulting Assistance, And How Much
Does It Cost?
In certain circumstances we are able to extend a fee-based consulting contract to
assist you. If you have a requirement for technical support, please let our business
development teams know at the bank approval process stage.
If we can help, a Project Plan and costs will be made available for your consideration
and sign-off ahead of the start of any consulting work. Our fees are structured
on an hourly basis, and are tailored to meet each merchant's individual requirements.
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What Is The Integration Process, And What Do I Need To
Do To Test?
During the integration process, which begins once the bank(s) has confirmed they
wish to accept your online business for merchant acquiring, you will be connecting
to our test platform, provided to allow you to test code thoroughly without having
to perform live transactions.
The test platform mimics the production environment in many ways. Once testing to
this platform is completed satisfactorily, you will receive a live Merchant ID (MID)
from us, along with a processing password, and will be asked to make the appropriate
changes to your code to point your systems to our production platform.
Final testing will be closely monitored with you to ensure your code changes are
correct. Once this is implemented, and all user training is complete, you will (subject
to bank written confirmation that your merchant accounts are open) be ready to go-live.
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Is Testing Carried Out In A Production Environment?
Once our technical team has agreed that the systems are ready, final testing on
your live MIDS is carried out between us and you in a secure production environment,
to ensure all processes are working in accordance with our API, and to confirm that
settlement can be received into your direct merchant accounts at the chosen bank(s).
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What Kind Of Testing Is Done In A Production Environment?
Full end-to-end testing that includes captures, refunds, reversals and settlement.
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Once I Am Integrated, What Transaction Options Do I Have?
- 3-D Secure™ authorization only, authorization and capture, authentication
only or previously authenticated
- Non- 3-D Secure™ authorization only, or authorization and capture
- AVS verification only
- Capture
- Reversal
- Refund
- Verify transaction status
- Ukash
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What About Obtaining Transaction Reports?
A complete range of transaction reports are available via our secure web service.
Our technical team will provide login details and training on the system during
integration.
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Do You Provide Ongoing Technical Support?
Yes, our technical team is available via phone and e-mail during normal work hours.
You can access the team anytime via support@fac.bm.
We also provide an emergency 24 x 7 x 365 pager and emergency support, and details will be provided
during the integration process.
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What Happens If Your Systems Are Unavailable?
In the unlikely event that our systems (or those of the banks) go down, you will
be alerted directly and advised accordingly.
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Do You Offer A Service Level Agreement (SLA)?
Yes.
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What Are The Terms?
The terms of our SLA are confidential to each merchant based on their processing
requirements. Given payment processing is a 24-hour business, you can expect the
highest levels of support from all of our teams.
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To find out more, please contact us. Or simply apply online.
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