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What does Cardinal Commerce do?
If you are taking credit card payments on your
own site using a payment provider like Authorize.net (AIM), PayPal
Pro or PayFlow Pro, you may want to Integrate the Verified by Visa
system in to your payment flow. This means that your customers
will need
to
enter the four digit code from their bank to verify the purchase
and card details. To implement this feature you will need to be
running a minimum store version of 5.9 and sign up for a Cardinal
Commerce
account.
What is Payer Authentication?
Payer authentication, also known as Verified by Visa (VbV) and
MasterCard® SecureCode™, is the set of security protocols
developed by Visa and MasterCard which allow consumers to shop
online more securely. Visa and MasterCard give back to
eCommerce businesses that enable these programs by providing chargeback
protection and lower interchange rates. The programs
are also referred to as 3-D Secure. Simply put, payer authentication
is validation that the online shopper is the cardholder. Merchants
participating in the programs are helping to fight identity theft
and consumers are thanking them by repeat shopping at these secure
websites.
How do Verified by Visa and MasterCard SecureCode work?
VbV and SecureCode enable cardholders to create a PIN (or “secure
code”) and assign it to their credit card. During checkout,
the
Customer is prompted to enter their PIN and the cardholder’s
identity can then be confirmed by their Card Issuing bank. The
Card
Issuer provides additional data elements to confirm the cardholder’s
identity.
Integration with Ecommerce Templates
Log into your Centinel Production profile: https://paypal.cardinalcommerce.com
*** If you have not previously logged in you may be prompted
to accept license agreement, please do so to continue***
Select Manage Profile from Main Menu
Select Manage Profile Information
Set your transaction password in the field provided
Hit Enter button to Save. The CardinalCommerce
set-up is now complete.
Log into your Ecommerce Templates Control
Panel and select Main Settings.
Scroll to bottom of settings and enter Cardinal account details:
Cardinal Merchant ID, Processor ID,
and Transaction Password you set up above.
Hit Submit at bottom to save changes and the
set-up is complete.
For assistance please contact implement@cardinalcommerce.com
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