XP Cloud:Setting up User Authentication with SMS/Text Messages

X-Payments Cloud User Manual

1. X-Payments Cloud: General information
2. Get Started with X-Payments Cloud
3. Two-factor User Authentication
   • with the Google Authenticator App
   • with SMS/Text Messages
   • with Backup Codes
   • Add an Alternative Method
   • Change the Preferred Method
4. General Settings
5. Payment Configurations
   • Add a Payment Configuration
   • Payment Configurations List
     
   • View the Details of a Payment Configuration
     
   • Enable/Disable a Payment Configuration
     
   • Edit the Details of a Payment Configuration
     
   • Delete a Payment Configuration
     
   • Choice of Payment Configuration for a Payment
6. Services
   • 3D-Secure
   • KOUNT Antifraud Screening
   • NoFraud Fraud Prevention
   • Signifyd Fraud Protection
   • Apple Pay
   • Google Pay
7. Users
   • Add a New User Account
     
   • Users List
     
   • View a User's Account Details
     
   • Edit a User's Account Details
     
   • Change a User's Account Status
     
   • Manage User Permissions
     
   • Request Password Change for a User
     
   • Delete a User Account
     
8. User Interface
   • Customize the Payment Form Appearance
   • Translate or Edit the User Interface Text
9. Payments
   • Payments List
   • Payment Statuses
   • Search for Payments
   • View the Details of a Payment
   • Delete a Payment
   • Auth and Capture (Capturing Funds)
   • Void an Authorization
   • Issue a Refund
     
   • Manage High Risk Transactions
     
   • Emulate Transactions
     
   • Clear Cardholder Data
   • Tokenization and Re-Use of Saved Cards
     
   • Delayed Payment Feature
     
10. Supported Payment Gateways
11. What's New in X-Payments Cloud

X-Payments Cloud can be set up to use an authentication method based on using one-time passwords received via SMS/text messages. The service is provided by Twilio.

To set up user authentication via SMS/text messages, follow these steps:

1. On your first login to X-Payments Cloud from your store, select SMS/text messages as your preferred user authentication method:
   
   The configuration page for the user authentication method based on using SMS/text messages (2-step authentication via SMS/text messages) opens.
   
   If you are already past the stage of your first login, you can access this page at any time via a link on your X-Payments Cloud profile details page. Here's how to do it: At the top of the X-Payments Cloud settings page in your X-Cart store's Admin area, select Settings > Advanced.
   
   The X-Payments Cloud admin panel opens in a new browser tab as a standalone site. Go there and select Profile > View details. Your profile details page opens. Click on the "SMS/Text message configure" link to access the page you require:
   
   
2. Use the Phone number field to specify the phone number that you would like to use to receive SMS/text messages with one-time passwords for the second step of user authentication. Click Save to save the changes.
   
   The phone number will be saved, and a new message - "The phone number is not verified" - will be displayed.
   
3. Verify the phone number you have added.
   Click the Send verification code button:
   
   Once you do it, an SMS/text message with a one-time password for user authentication will be sent to your phone, and the Send verification code button will be replaced with a blank field for verification. Type the one-time password you have received into this field, then click Verify.
   
   Provided that the password is correct, a message saying "The phone number is verified" will be displayed:
   
   This means user authentication via SMS/text messages has been set up and enabled successfully.

Now if you use this user authentication method, you will need to use one-time passwords sent to your phone.

Important: After setting up your preferred user authentication method, be sure to create and save a list of backup codes for access to X-Payments:

• Setting up User Authentication with Backup Codes
  
  

If necessary, you can change the phone number at which you receive SMS/text messages with one-time passwords. Note that to complete the task you will be required to enter a one-time password from an SMS/text message sent to your currently connected device (If you have authentication via Google Authenticator enabled as an additional method, you can also use a one-time password generated by Google Authenticator instead of the password from the SMS/text message - these passwords are the same and can be used interchangeably).