X-Payments:3D-Secure settings

X-Payments user manual

1. X-Payments:General information
   • How It Works
   • Key features
2. What's New
   • What's New in X-Payments 3.1
   • What's New in X-Payments 3.0
3. System requirements
   • System requirements for X-Payments 3
   • System requirements for X-Payments 2.2
4. Installation
   • Installing X-Payments
   • Setting up file permissions for X-Payments
   • Getting started with X-Payments
5. Two-factor user authentication
   • Two-factor authentication (X-Payments 3)
   • Managing PIN codes (X-Payments 2.2 and earlier)
6. Configuring X-Payments
   • General settings
   • Online stores
   • Payment configurations
   • Encryption keys
   • 3D-Secure settings
   • KOUNT Antifraud screening
   • NoFraud fraud prevention
   • Signifyd fraud protection and chargeback prevention
7. Managing users
8. Customizing the interface
   • Customizing the interface (X-Payments 3)
   • Customizing the interface (X-Payments 2.2 and earlier)
9. Managing payments
10. Unistalling X-Payments
11. Upgrading
12. Moving X-Payments from one host to another
13. Viewing X-Payments logs
14. FAQ
15. Troubleshooting
16. Glossary
17. Supported payment gateways
    • Payment gateways supported by X-Payments 3.1
    • Payment gateways supported by X-Payments 3.0
    • Payment gateways supported by X-Payments 2.2
18. Popular Payment Methods Configuration Instructions
    • PayPal Payments Pro (PayPal API), PayPal Payments Pro (Payflow API), Payflow Pro
    • PayPal REST API
    • First Data Payeezy Gateway (ex- Global Gateway e4)
    • CyberSource - SOAP toolkit API

X-Payments allows you to use 3-D Secure Payer Authentication for a number of payment methods that support it. 3-D Secure provides an additional layer of security for payment transactions via your store by implementing Verified by Visa and MasterCard SecureCode.

Some payment solutions supported by X-Payments provide their own built-in integrated 3-D Secure authentication systems that can be used with X-Payments. Such solutions include:

• PayPal's Payflow Pro;
• Cardinal Commerce Centinel;
• Elavon Payment Gateway;
• Global Iris/HSBC - RealAuth Remote;
• Realex;
• Sage Pay Go - Direct Interface;
• Worldpay Corporate Gateway - Direct Model.
  

For many other payment solutions it is possible to use the 3-D Secure authentication by CardinalCommerce (X-Payments provides an integrated module for this purpose). Solutions that can be used with 3-D Secure authentication by CardinalCommerce include:

• PayPal Payments Pro;
• Authorize.Net AIM, AIM XML and CIM;
• Bean Stream, a Digital River Company/FirstData Canada;
• Caledon;
• CyberSource - SOAP toolkit API;
• DIBS;
• Digital River World Payments / Beanstream;
• ECHO NVP;
• eSELECTplus;
• HeidelPay;
• Netbilling - Direct Mode 3.1;
• PSiGate XML API;
• USA ePay - Transaction Gateway API;
• WebXpress.

(More up-to-date information on the type of 3-D Secure system supported by specific payment gateways integrated with X-Payments can be found in the X-Payments:Supported payment gateways table.)

If you are going to use a payment solution that provides a built-in 3-D Secure authentication service, you do not need to set up 3-D Secure in X-Payments: 3-D Secure authentication will work for your payment transactions out of the box. However, if you are going to use 3-D Secure via CardinalCommerce, you will need to configure some 3-D Secure settings in X-Payments.

CardinalCommerce's 3-D Secure is configured differently in different versions of X-Payments. For instructions, see the appropriate section below:

• Managing your 3-D Secure system configuration in X-Payments 1.0 or X-Payments 2.0
• Managing your 3-D Secure system configuration in X-Payments 2.1

Managing your 3-D Secure system configuration in X-Payments 1.0 or 2.0

To start using CardinalCommerce 3-D Secure payer authentication in X-Payments 1.0 or 2.0:

1. Sign up for the respective service with CardinalCommerce (CardinalCommerce can be contacted at xpayments@cardinalcommerce.com).
2. CardinalCommerce 3-D Secure requires X-Payments to temporarily store cardholder data, so make sure that storage of cardholder data has been enabled in the Settings -> General settings section and cardholder data encryption keys have been properly generated.
3. Add a 3-D Secure system configuration for the CardinalCommerce module.
4. Enable your CardinalCommerce 3-D Secure system configuration.
5. Assign your CardinalCommerce 3-D Secure system configuration to the payment configuration for which you want to use 3-D Secure.

To add a 3-D Secure system configuration for the CardinalCommerce module:

1. On the '3D-Secure Settings' page (Settings -> 3-D Secure settings), click Add new next to New configuration for: CardinalCommerce.
   
   A page titled 'Add new 3D-Secure configuration' will be opened displaying the dialog box for providing your CardinalCommerce module configuration settings:
   
2. Adjust the configuration settings for CardinalCommerce module:
   • Currency: The currency your online store uses to conduct transactions.
   • Test/Live mode: The mode in which you wish to use 3-D Secure (Test or Live).
   • Merchant ID: The MerchantID value provided to you by CardinalCommerce.
   • Processor ID: The ProcessorID value provided to you by CardinalCommerce.
   • Transaction password: The Transaction password provided to you by CardinalCommerce.
   • Transaction URL: The TransactionURL provided to you by CardinalCommerce. The transaction URL for testing purposes is https://centineltest.cardinalcommerce.com:443/maps/txns.asp.
3. When you are done adjusting all the fields, click Save to save the changes.

That is all, you have just added your 3-D Secure system configuration. Now you need to enable it and assign it to the payment configuration or which you want to use 3-D Secure.

After a 3-D Secure system configuration has been added, you can see it on the '3-D Secure Settings' page:

The following actions are available:

• View/edit the configuration details;
• Enable/disable the configuration;
• Delete the configuration.

To view/edit the details of your 3-D Secure system configuration:

• On the '3-D Secure settings' page: Click on the name of the configuration (CardinalCommerce). The page showing the configuration details will be opened. If necessary, adjust the settings and click Save.

To enable/disable your 3-D Secure system configuration:

• On the '3-D Secure settings' page:
  X-Payments 1.0: Click the [ enable ] / [ disable ] link opposite the configuration name.
  X-Payments 2.0: Click the button dropdown element opposite the configuration name and select the required action (Enable / Disable) from the menu.
  
• On the '3-D configuration: <configuration name>' page:
  X-Payments 1.0: Click on the 'Configuration is active [ make inactive ] / 'Configuration is inactive [ make active ] link.
  X-Payments 2.0: Click the button dropdown element near the configuration name and select the required action (Enable/Disable).
  

To delete your 3-D Secure system configuration:

• On the '3-D Secure settings' page:
  X-Payments 1.0: Click the delete icon opposite the configuration name.
  X-Payments 2.0: Click the button dropdown element opposite the configuration name and select the required action (Delete configuration) from the menu.
• On the '3-D configuration: <configuration name>' page:
  Click on the Delete configuration link at the bottom of the page. Confirm the deletion.

To assign your 3-D Secure system configuration to a payment configuration:

• Locate the payment configuration to which you want to assign your 3-D Secure system configuration, open its details for viewing|editing, enable the option Use external module (CardinalCommerce) and save the changes.
  
  Note: The setting 'Use external module (CardinalCommerce)' appears on the payment configuration page only after steps 1-3 of the 'add a 3-D Secure system configuration' procedure have been properly completed.

Managing your 3-D Secure system configuration in X-Payments 2.1

To start using CardinalCommerce 3-D Secure payer authentication in X-Payments 2.1:

1. Sign up for the respective service with CardinalCommerce (CardinalCommerce can be contacted at xpayments@cardinalcommerce.com).
2. CardinalCommerce 3-D Secure requires X-Payments to temporarily store cardholder data, so make sure that storage of cardholder data has been enabled in the Settings -> General settings section and cardholder data encryption keys have been properly generated.
3. Add and enable 3-D Secure for each payment configuration in your X-Payments installation that needs to use 3-D Secure via CardinalCommerce.
4. In the details of all the online stores that will be using your 3-D Secure enabled payment configuration, specify the template that should be used for the 3-D Secure payer authentication step.

To add and enable 3-D Secure for a payment configuration:

1. Go to the 'Payment Configurations' page (Settings -> Payment configurations) and locate the payment configuration for which you want to enable 3-D Secure payer authentication via CardinalCommerce. Click on the "3-D Secure: CardinalCommerce" link for this payment configuration. For example, if we want to configure 3-D Secure payer authentication for Authorize.Net AIM, we need to select this link:
   
   A page titled 'CardinalCommerce 3D-Secure configuration settings' opens:
   
2. Use the 'CardinalCommerce 3D-Secure configuration settings' page to provide your CardinalCommerce module configuration settings for the selected payment configuration:
   1. Adjust the following fields:
      • Merchant ID: The MerchantID value provided to you by CardinalCommerce.
      • Processor ID: The ProcessorID value provided to you by CardinalCommerce.
      • Transaction password: The Transaction password provided to you by CardinalCommerce.
      • Test/Live mode: The mode in which you wish to use 3-D Secure (Test or Live).
      • Transaction URL: The TransactionURL provided to you by CardinalCommerce. The transaction URL for testing purposes is https://centineltest.cardinalcommerce.com:443/maps/txns.asp.
   2. When you are done adjusting all the fields, click Save to save the changes.
      The 3-D Secure system configuration will be created.
3. Enable the 3-D Secure system configuration you have created: On the 'CardinalCommerce 3D-Secure configuration settings' page for your selected payment configuration, click the Disabled button located next to the title "Payment configuration: <Payment configuration name> 3-D Secure", and select the action Enable from the button menu:
   
   This will enable 3-D Secure payer authentication via CardinalCommerce for the selected payment configuration.

The status of 3-D Secure payer authentication service for any payment configuration can be found on the 'Payment configurations' page (Settings -> Payment configurations):

or on the 'Payment configuration details page:

To disable/re-enable 3-D Secure for a payment configuration:

1. Go to the 'Payment Configurations' page (Settings -> Payment configurations) and locate the payment configuration for which you want to disable/re-enable 3-D Secure payer authentication via CardinalCommerce. Click on the "3-D Secure: CardinalCommerce" link for this payment configuration. This opens the 'CardinalCommerce 3D-Secure configuration settings' page.
2. Use the action button located at the top of the page next to the title "Payment configuration: <Payment configuration name> 3-D Secure" to select the action you require (Disable/Enable):
   

To specify the template that should be used in a specific store for 3-D Secure checks:

1. Go to the 'Online Stores' page (Settings -> Online stores), click on the name of the store for which you want to set the template that should be used for the 3-D Secure payer authentication step.
2. On the page that opens, select the template you require from the Template for 3-D Secure check box:
   
3. Click Save at the bottom of the page to save the changes.

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