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Overview

In an effort to reduce fraudulent activity on the web, a new check is possible for online credit card payments. Credit card orders over a threshold dollar amount (which you can set), will be held until the user can verify the card is theirs.

For each order, the total amount payable is split into 2 separate charge amounts on the credit card.  The user has to verify one of the charge amounts for the order to be released and integrated to the ERP.

Subsequent orders by the same user (or customer) will not be subject to verification once the initial payment has been validated.

You can set your own variables for: Total order threshold, Payment split percentage, Number of attempts, and How long the order remains valid.

 

Prerequisites

Credit Card Verification functionality is available for sites running version 4.05+ and using eWay as their payment gateway.

 

Implementation Options

There are various settings to be configured for your site, all of which will be handled by your Implementation consultant. Some to consider: 

  • Verification type - can be a flag set against the User or Customer
  • Threshold amount - can be set to any value in order to trigger the verification request
  • Number of verification attempts - the number of tries permitted before the order is cancelled 



Once this functionality is enabled, a new Credit Card Verification page is available to administrators. Here they can manage outstanding orders and follow up any that have not been verified. 



A new confirmation email template for these verification orders is also available with the feature. The user can click a link within the email to verify their charge amount, or login to the website and do it there. 

 

 

 

Due to the number of options and complexity of implementation, this feature is set up on your behalf by Commerce Vision. If you're interested, please get in touch!

 

Additional Information

Points to note

  • Guest Checkout users will always trigger a verification request if their order is over the threshold amount. 
  • If the user has several orders on hold at once, they will all be released together when the card is verified. 
  • Orders that are abandoned will need to be managed with the payment gateway (eWay) to organise a refund to the credit card.

Minimum Version Requirements

4.07

Prerequisites

Site must be using eWay payment gateway

Self Configurable

No

Business Function

Fraud Protection

BPD Only?

Yes

B2B/B2C/Both

Both

Ballpark Hours From CV (if opting for CV to complete self config component)

Contact CV Support

Ballpark Hours From CV (in addition to any self config required)

Contact CV Support

Third Party Costs

n/a

CMS Category

 Orders