Payment instrument verification

Notice: This article provides a general description of performing payment instrument verification in the ecommpay payment platform and covers information about statuses that can be used in the process.

In addition, use the following materials to gain a fuller understanding of payment instrument verification:

  • Payment instrument verification—an article that covers payment instrument verification via Gate and describes requests and callbacks that are used in case of card payments.
  • articles of the Payment methods section containing a description of payment instrument verification via Gate with the focus on the specific features of the payment method used and information about relevant requests and callbacks.

To find out whether you can use payment instrument verification, refer to your ecommpay account manager.

Overview

Payment instrument verification is a payment type in which the customer card or account is validated by either transferring a dummy (zero) amount from customer to merchant or by authorizing a specific amount (non-zero) on the customer card or account and then voiding the transfer or the authorization. The authorization amount can be changed on merchant's request. Normally, the authorized amount is released shortly after the operation, but in some instances the authorized amount can be held up to 45 days.

You can use this payment type for initialization of COF purchases.

Payment model

You initiate the verification by sending the account verification request to the payment platform. Once the payment platform receives the request, it creates a account verification operation.

Payment instrument verification may require merchant to issue additional requests:

  • If the payment requires customer to be authenticated by using the 3‑D Secure service, the payment platform sends to the web service a callback that contains the data required to generate a request to the issuer, suspends the payment processing, and waits until the web service submits a 3ds_result request with the authentication results.
  • If any payment stakeholder requests additional information (for example, the payment system may request cardholder address which is missing from the initial request), the payment platform sends to the web service a callback that lists the requested parameters, suspends the payment processing, and waits until the web service submits a clarification request with the requested information.
Figure 1. State diagram for payment instrument verification

The rest of this section describes any possible statuses of a payment instrument verification and operations related with the verification procedure. For more information about how to perform payment instrument verification, see Payment instrument verification.

Payment statuses

The following table describes the statuses of payment instrument verification.

error Error occurred when request processing. Payment is not performed. Final status. The request can be resent with the same payment identifier.
processing Payment is being processed. Intermediate status
awaiting 3ds result Payment processing is suspended until the web service submits a 3ds_result request with the authentication result. If the payment platform does not receive this request within 30 minutes, then the payment status is set to decline. Intermediate status
awaiting clarification Payment processing is suspended until the web service submits a clarification request—to continue the payment processing—with the required data. If the payment platform does not receive this request within 30 minutes, the status is set to decline. Intermediate status
decline Payment could not be completed. Final status
success Payment has completed successfully. Final status. Additionally the payment refund is supported.

The account verification operation statuses

The following table describes the statuses of any account verification operation.

processing Operation is being processed. Intermediate status
awaiting 3ds result Operation processing is suspended until the web service submits a 3ds_result request with the authentication result. If the payment platform does not receive this request within 30 minutes, then the payment status is set to decline. Intermediate status
awaiting clarification Operation processing is suspended until the web service submits a clarification request—to continue the payment processing—with the required data. If the payment platform does not receive this request within 30 minutes, the status is set to decline. Intermediate status
decline Operation could not be completed. Final status
success Operation has completed successfully. Final status

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