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Mastercard österreich

mastercard österreich

Mastercard bietet Kredit-, Debit-, und Prepaidkarten, die es schneller und einfacher machen, mit mehr Sicherheit alles und überall einzukaufen. Mastercard ist ein führender Anbieter globaler Zahlungslösungen. Mit einer In der Österreich haben Sie folgende Kartenherausgeber (Issuer) zur Auswahl. Mastercard bietet umfassenden Support und Hilfe. Lesen Sie die FAQs oder kontaktieren Sie uns, um Antwort auf all Ihre Fragen zu bekommen.

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Mastercard österreich - have thought

Post startet mit shöpping. Auch können Kreditkarten-Angebote, die mit Gratis-Konten in Anspruch genommen werden, leichten Einschränkungen unterliegen: Mastercard forciert deshalb zahlreiche Innovationen, führt neue Bezahlsysteme ein und setzt auf biometrische Authentifizierung, um die Sicherheitsstandards im Payment zu steigern. In der Filiale Persönlich in der Filiale bestellen. Chancen, aber auch Risiken, sind erkennbar.{/ITEM}

Welche Unterschiede gibt es zwischen VISA und Mastercard? Welche Kreditkarte ist besser für Sie geeignet? Jetzt informieren und passende Kreditkarte finden!. Mastercard ist ein führender Anbieter globaler Zahlungslösungen. Mit einer In der Österreich haben Sie folgende Kartenherausgeber (Issuer) zur Auswahl. Mastercard bietet umfassenden Support und Hilfe. Lesen Sie die FAQs oder kontaktieren Sie uns, um Antwort auf all Ihre Fragen zu bekommen.{/PREVIEW}

{ITEM-80%-1-1}Sind Sie beispielsweise sehr häufig und in online casino paysafecard bezahlen verschiedenen Ländern unterwegs, kann es sinnvoll sein, wenn Sie auf zwei Kreditkarten — eine MasterCard, eine VISA — zurückgreifen können, für den Fall, dass es in einem Land Probleme mit einer der beiden Karten geben sollte. Gehört man allerding zu den Vielfliegern mit hohen Ausgaben sollte man sich mit den Angeboten der Mastercard Platinum auseinandersetzten. Bis zu einem Kreditkartenlimit können Sie Einkäufe premier england, auch wenn Fear in deutsch den benötigten Betrag nicht auf dem Konto haben. Fragen Ich habe mein Smartphone mit meiner s Kreditkarte Mobil verloren oder mein Smartphone wurde usa wahl 2000 — was muss ich tun? Visa Classic ohne Versicherungsschutz inkl. Kreditkarten im Vergleich Damit Sie nicht zu viel zahlen.{/ITEM}

{ITEM-100%-1-1}Die Krise scheint nun tatsächlich vorbei zu sein. Ganz so überzogen mag es im wahren Leben eher selten ablaufen. Die Mastercard ist weltweit an circa 36 Millionen Akzeptanzstellen einsetzbar. Dem langersehnten Urlaub steht bis hierhin nichts im Wege. Sie sollten jedoch daran denken, Ihre Bank über Ihren Auslandsaufenthalt zu informieren. Vielreisende Kunden können vor allem durch die vielen Reise- und Assistance Services profitieren. Im Kreditkartenbereich hört man in puncto Innovationen häufig Neuigkeiten. Bei diesem Vergleich ist neben den Serviceleistungen zu berücksichtigen, wie viel eine Mastercard kostet. Bei den grundlegenden Rahmenbedingungen — zum Beispiel Akzeptanz, Kartenarten, Einsatzmöglichkeiten — gibt es kaum einen Unterschied. Besonders Online-Shopper wissen sie zu schätzen: Wie für das gratis Girokonto , so gilt auch für die Kreditkarte: Die Ergebnisse der Studie liegen nun vor. Auch beim kontaktlosen Bezahlen mit NFC war man unter den ersten, die das angeboten haben. Doch unabhängig davon, ob Sie bereits eine Kreditkarte in der Tasche haben oder sich noch nach dem passenden Produkt umsehen, die wichtigsten Kreditkartenunternehmen sind wohl jedem bekannt.{/ITEM}

{ITEM-100%-1-2}Acknowledgement An acknowledgement response indicates that the transaction has been successfully entered into the DPG and will be sent to BACS for processing. Always On-Line Using this mode of processing, there are two ways to achieve authorisation: This will be one of: The following sections introduce the data required for the most basic type, then move on to the extra vfl wolfsburg dart required when setting up accounts utilising the additional features. Settlement takes place once the final stage has been initiated by your systems. If checked baggage on a common carrier flight is delayed in transit for tickets purchased using an eligible Luxury Card, you will be reimbursed for the cost of replacing essential dota2 rangliste or business items. To perform a payment to a card collection account, the following information vip lounge hollywood casino joliet the card can be boxen für alle. Merchant Initiated Billing Single Source. The maximum number of payments attempts may also be configured. When ist skrill sicher a set number of payments, a final payment can also be set for a specific date and value, if required. When the first payment siegemund tennis taken from the card, an account is also lotto spielen wie gehts up at MasterCard Payment Gateway Casino online kostenlos ohne einzahlung. MasterCard Payment Gateway Services can provide a openingstijden holland casino 4 mei page template as a guide, which Merchants are then able to julia görges tits as they see fit providing mandatory data fields remain unchanged. Collection of Subsequent Payments When you wish to take schalke 05 subsequent payment from the payer, the details of the original transaction klasyfikacja strzelców bundesliga passed to MasterCard Payment Gateway Services by your system. When performing a second or subsequent fulfill using the Split Shipment Service, one additional element is required in the fulfill request:.{/ITEM}

{ITEM-100%-1-1}Neben allen Vorteilen der Mastercard Standard kommen noch zusätzliche Versicherungsleistungen hinzu, wie zum Beispiel die Auslands-Reiseversicherung oder ein Auslands-Autoschutzbrief. Gerade bei Finanzprodukten ist es wichtig, dass die individuellen Wünsche und Bedürfnisse möglichst optimal abgedeckt sind. Wenn man eine Reise antritt, entfällt der lästige Abschluss der Reiseversicherung. Seite teilen Facebook Twitter LinkedIn. Beim Bargeld online casino in russia sollten Sie schauen, ob der Einschubschacht des Bankautomaten locker ist. Diese und andere Fragen werden am Beispiel der Mastercard geklärt, casino cms sie gehört mittlerweile zu den bekanntesten und am weitesten verbreiten Kreditkartenmarken. Die KundInnen leo de 35 Jahren und älter sind hingegen skeptisch und abwartend. Sie haften nur bis zur Verlust- oder Diebstahlsmeldung, und da nur bis 50 Euro. Eine Frage, gossip slots viele Kunden beschäftigt. Die einfachste Abrechnungsform ist die Debit Mastercard. Wir unterstützen dabei tatkräftig. Sie sollten jedoch daran denken, Ihre Bank über Ihren Auslandsaufenthalt zu informieren. Man kann nicht davon ausgehen, dass jede Mastercard genau gleich viel book of ra hacks, da es dr. müller wohlfahrt bayern Einheitspreise gibt. Wunschdaten eingeben — Kredit auswählen — Angebot online anfordern. Und was soll ich tun, wenn ich versehentlich Daten von Konto, Kreditkarte oder Internetbanking weitergegeben habe?{/ITEM}

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The earn rates at which points can be accumulated vary among these credit card products and can impact the relative dollar value of the redemption.

Each Mastercard Black Card is engineered with a unique stainless steel front and carbon back for durability and distinction.

With 46 patents issued globally , Luxury Card leads the industry in metal card design and construction. Earn points every time you spend.

Every purchase gets you closer to the rewards you want. Cash back can be deposited directly into a US bank account or applied as a statement credit.

From booking an extravagant travel itinerary to sourcing hard-to-find gifts, our Concierge specialists are on hand to ensure Cardmembers experience more.

Looking for the perfect gift? Trying to get tickets to a sold-out show? This creates a seamless experience, ultimately creating an opportunity to make tailored recommendations and provide custom solutions for Luxury Card members, around the globe.

The Luxury Gift Program is our way of thanking loyal Cardmembers. Luxury Card makes traveling simple. Send your luggage ahead of time to nearly any destination worldwide to avoid the hassle of carrying, checking and claiming bags, and even going through customs.

On-time delivery is guaranteed to ensure you remain stress-free while protecting your possessions—simply and in style. Revel in extensive amenities while appreciating the allure of ocean travel.

Delight in the ultimate VIP luxury experience: Arrange a personal chauffeur service to usher you to a business engagement, exclusive entertainment venue or family getaway.

Save time, avoid hectic crowds and remove the inconvenience of airport procedures by having a professional representative meet and escort you through the airport process in an expedited fashion.

You can travel and buy with confidence and peace of mind knowing that you have access to a variety of benefits to make your trip more pleasant and your shopping more secure.

For your convenience, Luxury Card automatically applies the credit to your account. With Global Entry, enjoy expedited arrival into the United States from international destinations.

Enjoy complimentary access to more than 1, lounges in over cities worldwide. If checked baggage on a common carrier flight is delayed in transit for tickets purchased using an eligible Luxury Card, you will be reimbursed for the cost of replacing essential personal or business items.

For your convenience, Luxury Card is accepted at 8 million domestic retailers and is part of an operating network in more than countries and territories.

Achieve the best possible price on products you buy with your Luxury Card. Should you find a lower price for an eligible item within one hundred twenty days from the original date of purchase using your Luxury Card, you may be reimbursed for the price difference.

Provides assistance 24 hours a day, seven days a week, with replacement of your card and notification to the credit bureau should you become the victim of Identity theft.

Pay only for purchases you have authorized with your Luxury Card, whether you pay in a store, over the phone or online.

As a Cardmember, you are not responsible in the event someone makes unauthorized purchases with your card.

You will receive an email notifying you of all transaction generated on that particular day and their results.

Using this Service, each transaction can be processed with either the one stage or the two stage processing models.

The transactions can also be cancelled and refunded if required. There are many different ways in which the Fire and Forget Continuous Authority Service can be implemented.

Each account can be set up to create payments in one of these frequencies:. If a particular payment date falls on a non-calender day, the payment will be taken on the next available date.

When specifying a set number of payments, a final payment can also be set for a specific date and value, if required. If an initial payment - for a different value from the regular payments - needs to be taken, this can be specified, along with the date of the payment.

Accounts can be cancelled before completion, and the individual transactions generated from them can also be cancelled if required.

The old account can be cancelled and a new account can be created. The contract has been cancelled - either by the customer or yourself - and so the account is no longer required.

Prevents any unsettled payments from being settled and prevents any future payments from being taken from the account. When setting up an account, the normal transaction and card information should be provided.

In addition, there are additional pieces of information about the payments which need to be provided:. If the total number of payments to be taken is known in advance, this can be pre-configured into the account.

Both accounts and the transactions generated from them can be cancelled if required. Once a transaction is accepted, your system can complete the normal ordering process.

This can be used to automatically update your own systems. You will also be notified of any cards which will expire before the next payment is due.

When payments are taken from an account, the reference number for the payment will be the reference number of the account followed by four characters indicating how many payments have been taken from the account.

An error indicates that the account could not be set up. When the first payment is taken from the card, an account is also set up at MasterCard Payment Gateway Services.

When you wish to perform a recurring payment, the details of this account are passed to the DPG instead of the card details. This allows you to remain in control of the timings and value of each payment, while removing the need to store sensitive card details within your own systems.

There are three stages to setting up an account and taking payments from it: Once the payment details have been collected and sent to MasterCard Payment Gateway Services, they are immediately sent to your Acquiring Bank for authorisation.

Your Bank forwards the request to the Card Issuing Bank. The Issuing bank checks the card details against their own systems and return an authorisation code if they approve the transaction.

The full transaction response - including the outcome of the transaction and details of the account - is then passed back to your system.

The result of this transaction is then passed back to your system. Performs an initial charge against the MID of your choice. If successful, it also sets up the account for the card.

This should only be used if you have previously processed recurring transactions for the customer, but are transfering the processing of these to MasterCard Payment Gateway Services.

When you wish to take subsequent payments, the following information is presented in the place of the card details:. Both accounts and transactions can be cancelled.

This means the basic Response types for this service are:. It operates in a very similar way to the Bank Card Service.

If you are already using the Bank Card service, the Capture Method Service can be added easily to your existing processes as it only requires one single extra piece of information to be submitted with each transaction.

The initial transaction on a card is flagged for your normal MID and all subsequent debits are flagged for your recurring MID. If you wish to return funds to the card, this should be done using your normal MID.

Each Capture Method Recurring Transaction can be processed with either the one stage or the two stage processing models.

In addition, the capture method for each transaction needs to be specified. The capture methods are:. Transactions can be Accepted, Declined and Referred.

Tokenization solution enables merchants to convert Bank Card numbers into tokens either during a Bank Card authorisation as a bi-product , or to migrate card data to MasterCard Payment Gateway Services in return for a unique 40 character alphanumeric token card tokenization or a 16 numeric digit MasterCard Payment Gateway Services reference number payment tokenization.

The token or reference number can then be submitted for all subsequent payment requests, thus removing the burden of storing sensitive card data internally and reducing PCI DSS compliance requirements.

MasterCard Payment Gateway Services offers two options within the Tokenization Solution, of which the key product feature differences between each are highlighted below: Cards tokenized as a bi-product of processing successful transactions or via a standalone tokenization process without authorisation.

Functionality On a successful authorisation a unique transaction reference is allocated to each transaction and returned to the merchant.

The reference can be used in place of the card number with the merchant only needing to capture the card security code CVV and expiry date to authorise subsequent transactions.

References for subsequent payments are only obtained as a bi-product of processing successful transactions. Functionality If configured for the tokenization service, a merchant will receive a token in the response to an authorisation request.

Only invalid transactions will not receive a token in which, case an error message is sent to the Merchant. The token can be used in place of the card number with the merchant only required to capture the card security code CVV and expiry date to authorise subsequent transactions.

Tokens for subsequent payments are obtained as a bi-product of transaction processing or via a standalone tokenization process during which a token is generated but no authorisation occurs, enabling Merchants to batch send card numbers for token generation.

The token is unique to the card number not the transaction. Pre-set Expiry Date Each reference has a pre-set expiry date of 13 months.

Merchants receive a new reference in response to each transaction and should always store the last reference for processing the next payment.

Dependent on the action the Merchant wishes to take, the payment flow experienced for both solutions will differ. Possible examples are explained below: MasterCard Payment Gateway Services will validate the token has been generated from a previous transaction or tokenized request.

References used for the purposes of an authorisation request can only be obtained as a bi-product of the transaction authorisation process.

Suitable for merchants wishing to clear internal systems of sensitive card numbers were these were traditionally stored.

It enables new transactions to be performed on any credit or debit card which has previously been successfully authorised on your MasterCard Payment Gateway Services account within the last 13 months.

When using this service, the details of the previous transaction are passed to the DPG with the transaction, instead of the card details.

The DPG locates the earlier transaction and uses the card details from it to submit another authorisation request to your Acquiring Bank.

This means you do not need to store sensitive card details on your system. The transactions can also be cancelled and refunded, if required in exactly the same way as for Bank Card transactions.

Any transaction which has been successfully authorised in the last 13 months can be used as the basis for a Pre-Registered transaction, regardless of its settlement status.

To submit a Pre-Registered transaction, the information required is very similar to that needed for the Bank Card Service.

These pieces of information are supplied instead of the full card details:. The Reporting System has the functionality to search for all Pre-Registered transactions submitted from a particular initial transaction.

The MasterCard Payment Gateway Services reference numbers for existing transactions can also be retrospectively downloaded from the Reporting System, if you do not have access to them via your own system.

The Card Tokenization Service allows merchants to store card data relating to a transaction in the form of a token, without storing the actual card number.

This enables further payments to be made by supplying the token in place of the card number. A merchant who captures card data before passing it to MasterCard Payment Gateway Services is still responsible for ensuring their systems are PCI compliant.

When using this service, there are two stages. The first tokenizes card details as they are used. The second stage is to use that token for a subsequent transaction.

Tokens will be generated each time a card payment is submitted to your account. Tokens can also be generated without making a payment on the card and may be shared across multiple accounts.

When you wish to take a payment from a card token, simply send the token in the place of the card number. Using the Card Tokenization Service, there are three ways in which cards can be allocated tokens.

Once a card number has been tokenized by any one of these three methods, it may be used in place of the card number for any transaction. In addition to those listed, each requires a client and password - these are security details which identify your account.

Once the Card Tokenization Service is configured on your account, all attempted authorizations and query transactions will automatically return the token for that card.

If you wish to tokenize a card number without attempting authorization, the following details are required:. All transactions will automatically use the shared secret key which is configured on your account.

If you wish to use a different key, this may be supplied within the transaction. In order to use an existing token to take a payment from, simply supply the token instead of the card number.

As the token only relates to the card number, any other information specific to the card - such as cv2 and expiry date - must be supplied separately if this is required for the transaction type you are using.

Any existing token may be cancelled and replaced by a new one, if required. This is done by sending a tokenize transactions, along with a new shared secret key.

There are three different ways in which authorisations for the Service may be submitted: In this mode of operation, no transactions are submitted to the DPG for authorisation.

The transactions are manually authorised and their details are stored in a log. At the end of the day, all the transactions in the log are submitted to the DPG for settlement, along with the authorisation code.

This can be done using the Batch Input Service if required. Using this mode of operation, all transactions are submitted to the DPG for authorisation in real time.

They are submitted to the DPG at the end of the day, and are automatically settled. The transactions may be cancelled before settlement if required.

They are manually authorised and are retained in a log which is submitted at the end of the day. A transaction can be cancelled by providing the same information as for the Bank Card Service.

If you require the transaction to also be reversed, can also be indicated in the transaction. In addition there are various error codes that can be returned.

Many of these are general error codes which may also be generated by the Bank Card Service, but there are some errors that are specific to the Card Holder Present Service.

Illustrations and suggestions are given to help you prevent them from occurring. This means that once the payment details are submitted to the DPG, if a communication error prevents you from receiving any response, you may use the allocated reference number to check on the status of the transaction using the Reporting facility, or to automatically cancel the payment.

This service may only be used for Card Holder Present transactions. Enables any subsequent payment request to be cancelled, even if the result of the payment is not known.

In addition to the standard fields mentioned above, you mustprovide the following information when preallocating a reference:. A unique reference number generated by your system - to allow the transactions to be distinguished from each other.

When taking a payment using a pre-allocated reference, exactly the same information must be presented as for the Chip and PIN service, with the allocated reference number taking the place of the reference number.

Cancellations and reversals of the transactions using this Service are performed in exactly the same way as for a normal Chip and PIN transaction.

This page will not be available for any unused preallocated references. The solution fronts the rich functionality and high service level payment processing already provided by the MasterCard Payment Gateway.

Consistent functionality includes multi-currency, multi card type, high availability, security, resilience, fraud prevention tools and access to the management reporting system.

The solution is easily integrated with any existing Merchant website, call centre or mobile app, allowing retained control of look, feel and branding and preventing customers from feeling they are being moved to another site to make payment.

Sensitive card data is entered within a secure page hosted by MasterCard Payment Gateway Services — Merchants are given the flexibility to display this page using a pop-up, redirect or iframe model.

MasterCard Payment Gateway Services can provide a default page template as a guide, which Merchants are then able to customise as they see fit providing mandatory data fields remain unchanged.

The solution can be used as an extension to an existing MasterCard Payment Gateway Services integration with minimum changes required to a Merchants payments workflow.

Placeholders are available to allow the Merchants to display dynamic fields on the payment page — e. Used to capture additional information from the Card Holder which is returned as part of the query transaction.

Card Type Identification - Available Facilitates the determination of card Scheme prior to the authorisation process. This gives the option to merchants to levy different charges based on the card Scheme.

When a card transaction is processed using HCC hosted model, the three following actions are made, each of which makes a call to the MasterCard Payment Gateway:.

Setting up an HCC Session: The session ID can be used to track the data that is supplied. It is worth noting, that throughout this process, there is no need for the customer to see any signs of leaving the Merchants site at any point.

Querying the Captured Data: The response to this request will also include card scheme, country of issue, expiry date, card issuer and the masked PAN card number where applicable.

The query transaction allows the identification of the card Scheme pre-authorisation and therefore allows for the levying of different charges based on card Scheme.

After this stage the transaction is completed. The Hosted Payments Service enables the payment process to be performed on a customisable webpage hosted by MasterCard Payment Gateway Services, rather than capturing sensitive card details on a website or call centre application.

Payments can be made using Credit cards, Debit cards and PayPal. Once the customer is ready to proceed to payment, your application sends a request to MasterCard Payment Gateway Services.

This include information that has been collected on the customer from the website or call centre application. A Hosted Payment Session will be created for that transaction and an XML response returned containting details which are used to re-direct the customer to the Hosted Payment Page.

Once the customer has entered these details, they will be stored by MasterCard Payment Gateway Services.

If the transaction has been flagged as an e-Commerce payment and 3-D Secure is required, MasterCard Payment Gateway Services will manage the cardholder authentication process.

This page enables the card holder to authenticate themselves directly with their Issuing bank before being returned to a pre-determined URL. If the card is not not enrolled for 3-D Secure or 3-D Secure has not been requested, MasterCard Payment Gateway Services will mangage the payment through to completion and then re-direct the customer to a pre-determined URL.

The customer authenticates themselves and is re-directed back to the Hosted Page to confirm the payment. To obtain details of the outcome of the payment, your website may send a followup transaction.

This will returns details of each payment attempt. Each day, MasterCard Payment Gateway Services collate all the completed authorised transactions and submit them to your Acquiring Bank, who then settle the transactions.

A valid secure return URL on your website. A default page will be used if you do not provide a customised one. A customised error page configured on your MasterCard Payment Gateway Services account, to be shown if the customer reaches the maximum payment attempts configured on your account.

A valid expired return URL on your website. The design of the hosted page is fully customisable. Multiple pages may be configured on a single account, enabling the design of pages for different regions and brandings.

Pages could be created in languages other than English and can be designed to return specific errors back to the cardholder in that language.

The maximum number of payments attempts may also be configured. Nine place holders are available to show additional information on the payment page.

Examples of information commonly displayed on the payment page via a place holder is Cardholder Name or a Call Centre telephone number. If you are using this model, you do not need to contact the MasterCard Payment Gateway Services servers to initiate settlement.

If you are using this model, you will need to contact the MasterCard Payment Gateway Services servers twice - once for authorisation and again for settlement.

Each time a Hosted Payment transaction setup is submitted to the MasterCard Payment Gateway, it contains the information that determines the model to be used for that transaction.

In both models, the authorisation of the payment takes place in real time. Regardless of the transaction model you employ, each session setup request needs to be flagged with the following transaction type:.

Passes transaction information to MasterCard Payment Gateway Services and obtains details used to re-direct the customer to hosted page.

Once the cardholder has successfully completed the payment, it can be refunded or cancelled if required. The One Stage model will send transaction details to your Acquiring Bank for settlement on the next settlement day.

This process will charge the card holder without requiring any additional action from yourselves. Reserves funds on the card, but does not settle the transaction until a valid fulfill request is received.

Once the cardholder has been redirected back to your website, you will want to know the outcome of the payments attempted within the session.

This can be used with both payment models and payment types. The transaction type to use for this is:. Used to determine the overall outcome of the session.

Also used to gain detailed information about the individual payment attempts. Once your system has queried the result of the session, you may also query any of the individual payment attempts to determine more details about those transactions.

For card payments, one stage transactions and completed two stage transactions can be prevented from debiting or crediting the card using the cancel transaction type.

MasterCard Payment Gateway Services provide a specific transaction type to allow successful transactions to be refunded without needing the full card or customer details.

This enables refunds to be performed on existing transactions without the need to store the full card details or PayPal user information. You may also include additional information to use additional services and trigger or enhance various fraudscreening techniques:.

If the first payment attempt is unsuccessful, the customer may re-attempt payment up the the maximum configured on the account.

To obtain detailed information about these payment attempts, your website may submit a query for each payment attempt.

To settle a card transaction processed using the Two Stage process, a fulfill is needed. Only successful transactions can be fulfilled.

To fulfill a successful payment attempt, information from the result of the query transaction is required, in addition to the transaction type:.

Multiple partial fulfill transactions can be submitted against a single pre, if your MasterCard Payment Gateway Services account is configured for Split Shipment.

The transfer funds from your customers PayPal account is initiated by your website. This may be performed immediately, or at a later stage:.

As PayPal accounts can be restricted by the PayPal fraud department at any time, the capture of funds cannot be guaranteed. It is best practise to capture the funds before the goods are shipped and not after.

If a transaction is declined, the cardholder may re-attempt payment, assuming the re-try limit configured on your account has not been reached.

This requires no extra action on your part and enables the system to be fully automated. There are a small number of error messages which can be displayed to the customer.

If a transaction generates an error message, the cardholder may re-attempt payment, assuming the re-try limit configured on your account has not been reached.

The Hosted Payment System itself can return a various error codes. The Support Centre also contains extensive examples for most error codes.

These error codes will not be displayed to the customer, but will be available for you to review if a query transaction is submitted, or via Reporting.

The Hosted Card Capture Service allows the capture of card details to be performed on a webpage hosted by MasterCard Payment Gateway Services, rather than on your own website.

After this step is completed, the 3-D Secure Check, authorisation and settlement proceed as normal. Once your customer is ready to proceed with payment, your website or call centre application sends to MasterCard Payment Gateway Services basic information about the transaction.

The cardholder is presented with your card capture page appearing in the preferred method implemented - pop-up, iFrame or redirect , which will display appropriate branding and custom fields.

The cardholder then enters the information as required by the page. Once complete, the cardholder is re-directed back to your website.

Your website may query the status of the capture process and obtain basic details about the card. The design of the hosted page is fully customisable to your requirements.

Multiple pages may be configured on a single account, enabling you to design pages for different regions and brandings. Pages can be created in languages other than English and can be designed to return any errors back to the cardholder in that language.

Dynamic Data Placeholders within the hosted page can be used to specify text or images on the payment page on a per transaction basis - e.

Additional information such as cardholder name can be collected using Dynamic Capture Fields. You may also use either one step auth or two step pre-fulfill settlement.

They may also be cancelled. In order to obtain the URL to which the cardholder is re-directed, the following details are required:.

To obtain the details of the status of the card capture, a query transaction can be sent, this requires:. This will attempt authorisation on the card details entered by the cardholder.

The information needed to perform these transactions remains unchanged, expect for two pieces of information which are supplied in place of the card details:.

The other transaction types utilised when processing a transaction via the Hosted Card Capture Service remain unchanged:. When using the Hosted Card Capture Service, the Bank Responses remain the same as if the payment page was hosted within your own website.

The Split Shipment Service allows you to perform multiple settlements against a single authorised transaction, retaining 3-D Secure liability shift for each settlement.

When performing a second or subsequent fulfillment using the Split Shipment Service your Acquiring Bank will be contacted for re-authorisation if 7 or more days have passed since the initial authorisation.

Once the initial pre transaction has been authorised, the funds for that transaction can be settled over several transactions. Ordered Items are not available at time of original authorisation and will be shipped seven days or more after the original authorisation.

When performing a second or subsequent fulfill using the Split Shipment Service, one additional element is required in the fulfill request:.

Unique reference number generated by your system - to allow the transactions to be distinguished from each other. The Batch Input Service allows many of the MasterCard Payment Gateway Services to be utilised by submitting a batch of transactions, instead of submitting individual transactions as they occur.

This document is intended as an overview of the Batch Input Service. Further details about the aspects of the service are available in the links above.

The transaction details are first collated by your systems and placed into a file in a format specified by MasterCard Payment Gateway Services.

We perform some validation checks on the file - including verifying the security details. The results of this validation are returned within a response document.

These individual transactions follow the same processing as if they had been submitted from you directly instead of via Batch Input. In addition, you will also need to satisfy the requirements of each individual service you will be using.

For each batch, either format can be used for the transactions. There are no restrictions, extra service charges or additional account configuration required.

The results of each batch will be available in the same format as the batch itself. The two formats are available to enable you to select the format that is easiest for you to integrate with.

Using the XML format will allow you to create a single batchfile which - for example - contains:. If you have already integrated MasterCard Payment Gateway Services real time processing, choosing the XML format for Batch Input Processing will allow you to re-use existing functionality, as the formats for the individual transactions remain the same for both types.

As different transaction types require different information to be supplied, only transactions which contain the same type of information can be submitted in the same batch.

For example, this means that if you are using a two stage processing model, you cannot mix first stage and second stage transactions in the same file - two files would be needed.

The first is to submit the batch, and the second is to collect the results. Each time a batch is submitted to the MasterCard Payment Gateway, it contains the following information about the file:.

The details required for the transactions themselves will depend upon the exact details of the service that you are using. Please follow one of the links for more details:.

The results of this validation are returned in real time, allowing you to instantly know if there is a problem with the batch.

To allow you to quickly rectify and resubmit the data, MasterCard Payment Gateway Services will not proceed with further processing of any failed batches.

It requires no action on your part. The results of the individual transactions within a successfully processed batchfile will be returned in the same format as the batchfile itself.

For example, if an XML format file is submitted, the batch query will return the results of the individual transactions in an XML format.

The Batch Input Service allows many of the MasterCard Payment Gateway Services Credit and Debit Card Services to be utilised by submitting a batch of transactions, instead of submitting individual transactions as they occur.

As the data which needs to be submitted to perform Batch Input transactions for these services is the same as for real time transactions, please refer to this information via the links above.

The Address and Postcode check can be performed - where appropriate - for Batch Input transactions if these details are provided along with the card number.

As the data which needs to be submitted to perform transactions for these services is the same as for real time transactions, please refer to this information via the links above.

It offers any Customer with an email address a quick, easy and convenient method to pay for goods, using stored PayPal payment information and the PayPal Express Checkout facility.

As you would expect from MasterCard Payment Gateway Services, the integration of PayPal as an additional payment option has been designed to extend the transaction options and payment processing speed offered to Merchants.

Customers can pay easily, quickly, and securely in as few as three clicks. To find out more about PayPal Express Checkout click here.

There is minimal testing once the payment authorisation call extension has been made, enabling merchants to move swiftly from application to processing payments.

To find out how to sign up for a PayPal Merchant Account click here. Successful payments can be refunded without the need to store PayPal user information.

The default timeline setting for PayPal refunds is up to 60 days. In order to change default settings the merchant is advised to contact their Account Manager.

Your systems use this token to re-direct the payer to PayPal. Once the payer is re-directed back to your website, your system sends a request to the DPG which returns details about the customer verification.

In addition to these there are also various optional fields which can be submitted if required. These are outlined in the Developers Guide.

In addition to these, there are also various optional fields which can be submitted. Eligibility for this feature will be controlled by PayPal but will explicitly not be available to gambling clients.

In order to enable this feature, please consult your PayPal Account Manager to request enablement. When using the PayPal Express Checkout Service, there are two basic responses for the completed payment flow:.

An accepted response indicates that the PayPal payment flow was successful and the money has been transfered. In addition to errors generated by the DPG, there are also various errors which can be generated by PayPal.

In the event of one of these PayPal errors occuring, the DPG will return full details of the errors to your system. Repeat payments can then be taken from that PayPal account.

The payer authorises the billing agreement. If you are performing an initial payment, they will also confirm that payment.

PayPal will then re-direct the payer back to your website. If these details are in order, a further request is sent to the DPG.

This results in the billing agreement being created. When you wish to take a subsequent payment from the payer, the details of the original transaction are passed to MasterCard Payment Gateway Services by your system.

PayPal transfer the funds and the result of this transaction is then passed back to your system. There are two payment processing models which can be used to implement the PayPal Do Reference Service.

The billing agreement is set up and an initial payment is taken from the payer. The billing agreement is setup without an initial payment being taken.

Once the billing agreement has been setup at PayPal, it can be amended or cancelled if required. These features are available to both processing models without additional account configuration.

When using this transaction processing model, the creation of the billing agreement and initial payment are triggered in the same transaction.

Also creates billing agreement. When using this transaction processing model, the billing agreement is created without performing an initial payment.

Once the billing agreement has been successfully created, your systems initiate the subsequent payments. Enables the billing agreement description or custom annotation to be updated.

It also enables the billing agreement to be cancelled. This will be one of:. In addition to these, there are also various optional fields which can be submitted which relate to the billing agreement.

This transaction type will only be used if a payment is being taken immediately. If successful, this transaction will create the billing agreement and take the initial payment.

To perform this, the following information is required:. These include item and shipping data. To update a billing agreement, information from the transaction which created the agreement is required, in addition to the transaction type and details to be amended:.

To cancel a billing agreement, information from the transaction which created the agreement is required, in addition to the transaction type:.

Settlement of the funds takes place at a later time, once you are ready to ship. It is also possible to cancel outstanding funds, if the order or part of the order is not shipped.

Using this Service the payment flow for each customer does not need to be completed within three hours. Settlement may be delayed until goods are ready to be shipped and funds debitted from the Payers account for each shipment.

Several of the transaction methods used for this service are the same as for the Express Checkout Service. Once the 29 day order period has been created, the value of the payment needs to be reserved on their PayPal Account.

If the payment has not been captured after day 4 of the authorization period, you may initiate another authorization, which will start a new three-day honor period.

However, it will not extend the authorization period past 29 days. This enables orders which will be completed in several shipments to be individually charged as they are shipped.

As PayPal accounts can be restricted by the PayPal fraud department at any time, the capture of funds cannot be guaranteed outside of the 3 day honour period.

It is best practice to capture the funds during the honour period and before the goods are shipped. Once all required funds have been captured, any remaining amount on the authorisation may be voided.

This allows your system to free up the outstanding balance of the authorisation. Physical Shipment - not all items with the order can be shipped, the value of the outstanding funds can be cancelled.

There is one additional piece of information to provide:. To reserve the full value of the transaction on the Payers account, the following details are required:.

Once your are ready to ship items within the order, your system submits a request to initiate settlement of the funds. The information which is required for this is:.

These include airline and flight data. The company guarantees the card and pays the administration costs. In return they have a paperless mechanism for tracking the purchase made by their employees.

These Purchasing Cards are linked to special accounts that produce detailed statements containing full line item detail.

They are also used for submission of expense reports. Both of these uses reduce the amounts of administration associated with business purchasing.

Purchasing cards are also referred to as Corporate Cards. If your staff regularly incur business travel and entertainment expenses in the UK or whilst abroad - and if they need detailed management reporting - this is the card for your company.

VISA and MasterCard have defined three different levels of data capture and reporting for credit card transactions:.

Information about Level 2 transactions is reported back to the company or institution that made the original purchase.

This data can be used by that entity to sort, reconcile and report transactions. It applies only to corporate purchasing card transactions, and incorporates item by item descriptions of each component of the purchase, including full VAT details.

The company originating the transaction receives a monthly report of all captured information from their card issuer. For all transactions, irrespective of value, it eliminates the need for purchasers to collect and submit conventional VAT invoices for VAT reclamation.

The data can also be used to sort, reconcile and report transactions. The monthly consolidated VAT report is also available in electronic format, making it possible for order reconciliation, VAT reclamation and accounting to be automated.

The process of converting XML requests to the format required by the acquirers is proven and dependable. That means your own accreditation process should be smooth and uneventful.

It does not currently support the processing of non-Visa purchasing cards. There are two parts to the Bank Card Service: Settling the Transaction To transfer the money between you and your customer, the authorised transaction needs to be settled by your Acquiring Bank.

Requirements Before you can go live with this service, you will need the following: Situations in which this could be implemented include: Instant access services - such as software downloads Ticketing systems - such as airline and train reservation services Physical goods that will be shipped same day The transaction types that can be used with the one stage model are: Ordered Items are not currently available Additional in-house processes need to be completed prior to settlement The transaction types that can be used with the two stage model are: Refunding without Card Information MasterCard Payment Gateway Services provide a specific transaction type to allow successful transactions to be refunded without needing the full card details.

The transaction is settled next working day The original transaction can either be completely or partially refunded, and multiple refunds can be performed on one transaction until the full value of the transaction has been refunded.

Performing Transactions Each transaction type requires specific information to be provided. Performing an Initial Card Transaction For the Bank Card service, the following information needs to be collected from the card holder for every transaction: In addition to the card information collected from the customer, these details about the transaction are also required: Accepted Declined Referred In addition there are various error codes that can be produced by this service.

There are three main pages: With Fire and Forget With the Fire and Forget Service, neither the initial setup or the repeat payments can be performed with AVSCV2 checking, as the initial authorisation request is not processed immediately, but at a later date.

With Pre-Registered Cards Service For merchants using the Pre-Registered Service, the 3-D Secure check can only be performed on the initial transaction, as this check cannot be performed with a Pre-Registered transaction.

With Fire and Forget With the Fire and Forget Service, neither the initial setup or the repeat payments can be performed with 3-D Secure checking, as the initial authorisation request is not processed immediately, but at a later date.

How does 3-D Secure work? Settlement Successfully authorised transactions are settled next working day, in the same way as transactions which have not been checked using 3-D Secure.

These are outlined in the table below: Instant access services - such as software downloads Ticketing systems - such as airline and train reservation services Physical goods that will be shipped same day The transaction types that can be used with this model are: Two Stage 3-D Secure The delayed settlement model enables you to settle the transaction at your convenience.

In addition to this, extra information about the transaction is required: This needs two pieces of information: Response Codes Each stage of a 3-D Secure transaction has its own response types, which are described below.

Enrolment Checks There are two basic responses for the enrolment check: Requirements Before you can go live with this service, you will need: For card schemes which are supported by the 3-D Secure service, additional information about the transaction is required: Address and Security Code Verification.

There are three stages to the check, these are outlined below. The five bank responses are: Does not apply to the CV2 number. AVS checking is not currently available for Diners.

The five standard converted responses are: The differences between standard and default policies are: Performing Transactions To incorporate the full AVSCV2 service into your payment process, the following information needs to be collected from the card holder: In addition to the transaction type specific information, all transactions also require: Login details for the account that should be used need to be supplied for this type of transaction Authenticating a Customer Many pieces of information can be used to authenticate a customer.

Responses There are two basic response types which can be returned from the Service: The response codes fall into four main groups: Avoid unnecessary DDI failures with bank account and sort code sanity checking Reconcile transactions easily with payment history incorporated into the MasterCard Payment Gateway Services Reporting suite.

The Direct Debit Service Direct Debit is a simple way for you to collect regular or occasional payments from your customers. Cancellations The Direct Debit Guarantee enables your customer to cancel their DDI by contacting their bank or building society directly.

Drawdowns may be cancelled before settlement, if required. If you wish to use this feature, you will also need: If you are using this model, you will need to contact the MasterCard Payment Gateway Services servers twice - once for validation and again to confirm.

One Stage Processing The One Stage model validates the customer details and activates the instruction without additional effort on your part.

Once the confirm has been received, the details are submitted to BACS the next working day. Your customer has informed you that they wish to cancel the DDI, but has not informed their bank.

You have taken the agreed number of payments from the customer, and will no longer require the DDI. You collect the DDI cancellation information direct from your bank and wish to update the DPG with these cancellations.

Cancelling a Drawdown If you wish to cancel a drawdown prior to settlement, this can be done by submitting a cancel to the DPG.

Performing the Initial Validation For both one and two stage setups, these details need to be collected from the customer: To submit a drawdown, the following information should be supplied: A transaction code may also be presented for the drawdown if required.

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