Sarah Fowle
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Recent activity by Sarah Fowle-
Transaction States
Overview The transactions page is where you can view all your recent transactions and determine the state of each transaction processed. This article lists each state and provides an explanation fo...
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User Access and Password Resets
Password Resets If you cannot remember your password, you can request a password reset by clicking the “Forgot Password?” option next to the password box. Alternatively, if you are the registered o...
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Acquirer Response Codes
Overview All response codes between 0 and 99 are either from the Acquiring or Issuing Bank. The Gateway uses a set of standard response codes to indicate the status of an authorisation request to...
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Test Cards
Test your integration with our test cardsPlease note, the Card Numbers (PANs) mentioned in this article are to be used with Card Not Present transactions and with Test Accounts only. Do not use the...
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What is Frictionless Authentication?
Frictionless authentication uses a risk-based approach to determine the risk attached to a transaction and, based on the risk level, whether the customer should be challenged with additional...
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How to flag stored credentials?
What are stored credentials? To make sure merchants use their customers’ details responsibly, Visa and Mastercard haveintroduced a new framework for the storing of card details and new rules for an...
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3-D Secure v2 MMS Preferences
3-D Secure v2 settings are found under the 3DS Checks and PDS2 tabs of the Preferences section in the MMS. In addition to the previous 3DSv1 settings available, Merchants can now choose their 3DS p...
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Using 3-D Secure v2 with the Hosted Integration
If your Merchant Account is set up for 3-D Secure, the Hosted Payment Page will automatically attempt to display the 3-D Secure authentication page for the Customer’s bank. 3DSv2 allows Merchants t...
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EMV 3-D Secure Liability Shift
One of the biggest benefits of EMV 3-D Secure is the chargeback liability shift. It shifts the liability for chargebacks due to fraud from the Merchant to the cardholder’s bank. Card issuers who ...
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EMV® 3-D Secure 2.1 and 2.2
EMV 3-D Secure 2.2 brings enhanced functionality as the Strong Customer Authentication (SCA) protocol matures and consolidates its experience with over two years of deployment. 3-D Secure version 2...