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Home > General Help > Verified by Visa / Cardinal Commerce
- What does Cardinal Commerce do?
- What is Payer Authentication?
- How do Verified by Visa and MasterCard SecureCode work?
- Integration with Ecommerce Templates
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.
Finally, you need to ask Cardinal Commerce what your transaction processing URL should be and then enter that information in your vsadmin/includes.asp or vsadmin/includes.php file. For example...
for the ASP version open vsadmin/includes.asp and the following to the list
cardinalurl="https://centinel400.cardinalcommerce.com/maps/txns.asp"
For the PHP version, open vsadmin/includes.php and add
$cardinalurl="https://centinel400.cardinalcommerce.com/maps/txns.asp";
For assistance please contact implement@cardinalcommerce.com