General FAQs

These are the questions Cardstream Support usually see regarding the Gateway:

Q – What is the role of a Payment Gateway?

The Payment Gateway fraud checks transactions and allows the Cardholder to enter their card data to take a payment.

Q - Does your Gateway offer a Virtual Terminal?

Yes our Gateway does offer a Virtual Terminal service. It is found within the MMS (Merchant Management System).

Q - Can we set-up additional users within the MMS (Merchant Management System)?

Yes, Customers can have additional users created. To create these we need the following details:

• Users e-mail address;
• Users full name (first and last);
• Users group permission.

Q – Is there a limit on additional user accounts?

No, the Customer can have as many user as they require.

Q – Can a Merchant tokenise a card?

Yes, Cardstream store this information in the using the Cross Reference (xref) and this is available under the ‘Transactions’ tab.

Q – What is Tokenisation?

Tokenisation is the act of turning a card number or other detail into a (seemingly) random alpha numeric string. A Merchant can then perform recurring transactions without having to store card data.

Q – What are your percentage fees?

Percentage fees come from the Acquirer.

Q - How long does it take to set up the Gateway?

Once the Merchant Account is live the Gateway set-up will take up to 48 hours to go live.

Q - Can the Pay by Link/Button be used more than once?

Yes once the link is generated it remains active and reusable with an unlimited lifespan.

Q - What fraud prevention tools does the Gateway offer?

The Gateway offers the following fraud prevention tools to each Customer:

• CV2 (Security Code) Checking;
• AVS (Address Verification System) Checking;
• 3D Secure;
• Direct Integration/IP Configuration;
• Signature Key/Pre-Shared Key;
• BIN Blocking (Merchant Accepted Card Types and Merchant Rejected Card Issuer Countries);
• Velocity Checks;
• Third Party Integration with Kount.

For further information, please contact the Cardstream Support team.

Q - What is 3D Secure?

3D Secure is an extra layer of fraud prevention. When a Cardholder performs a Visa or MasterCard transaction, they are redirected to the 3D Secure i frame/pop-up where they must enter an arbitrary password they set at an earlier date.

Q - Is your Gateway PCI: DSS Compliant?

Yes, the Gateway is PCI: DSS Compliant to Level 1.