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Overview of Credit Card Verification

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Credit Card Verification Feature Settings can be configured by your site's CMS administrators. The new 'enable immediate integration' option is available only to LTS sites and although this is user-enabled, we recommend you contact CV Support when setting up this option.

Prerequisites to using Credit Card Verification

Step-by-step guide to configuring Credit Card Verification 

These configurations define the verification method that will be used, the monetary threshold above which will flag applicable orders for verification,  

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Option	Default Value	Description	Override
Enable Immediate Order Integration	OFF	When OFF, the verification process begins upon submission of the order. The order has the status 'pending' on the website only.  (For LTS customers only) When ON, upon order submission, the system will integrate the order to the ERP before the verification process is initiated. Integration has the advantage of reserving ordered items in the ERP, marking them unavailable for other orders, online or offline.	Role level
Attempts Allowed	3	The number of times the user or customer can attempt to verify ownership by entering one of the verification amounts charged to their credit card before the order is cancelled.	Role level
Percentage Split (of the order amount)	85	Applies to the Split Charge method only. The system will split the total amount payable by the user/customer into two charge amounts (the first split equalling this value +/- the Credit Card Verification Percentage Variant). A correct split charge must be entered to verify credit card ownership.	Role level
Threshold Order Amount	250.00	The system will hold orders over this amount until the user/customer can verify credit card ownership.	Role level
Days to Hold Order	45	Set the the number of days an order remains open for the user to validate the credit card.	Role level
Usage Type	Customer	Set the Credit Card Verification settings against the user's login or a customer. Note - Guest users will always trigger a verification request whenever their order is over the Threshold Order Amount.	Role level
Verification Method	ShortChange	Select ShortChange (recommended) or SplitCharge Short Change - the system will charge the credit card once and the charge appears in a single cash receipt. However, a random amount between the 'Payment Amount' and 'Payment Amount - Max Short Charge Amount' is temporarily deducted in the charge. The  customer/user must be able to confirm either the 'short change' amount or the short charge amount. We recommend this method because it is more efficient in terms of  Split Charge (old method) - the system will charge the credit card twice in accordance with the 'Percentage Split' previously entered. They appear as two charges with two cash receipts. The customer/user must be able to confirm one of the split charges to pass the verification check.	Role level
Days Before Initial Reminder Email	2	Send an initial reminder email X days after the customer placed the order if they have not verified the credit card.
Days Before Subsequent Reminder Email	7	Send a follow-up reminder email X days after the initial reminder email if the customer has still not verified the credit card.
Notification Email	Blank	Enter the email address to which the system will send email notifications of orders pending, awaiting verification.
Online Team Email	Blank	Enter a team email address to which the system will send email notifications of orders pending, awaiting verification.	Role level
Order Integration Order Status	17	This value represents the order status 'pending'. If the 'enable immediate integration' is on, this value represents the order status of 'pending' but unintegrated in the ERP.
Short Change Settings Max Short Change Amount	$1.00	Applies to 'ShortChange' option only. When ShortChange is selected as the verification method, then the system will charge the payment amount minus a random amount. This value represents the maximum amount that can be deducted off.

Add Overrides (optional)

An override allows you to specify an exception to a global setting for a certain feature. You can configure overrides at the role level by clicking the Overrides option.

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To add an override,

1. Click the  button.
2. In the Role dropdown list, select the role.
3. In Override Value, add the override value.
4. Click Confirm to save your changes. You will see that the number of overrides for the feature has increased by one.
   
   
   
5. To save your changes, click Save or Save and Exit.
   
   

Edit Order Confirmation Message widget

When Credit Card Verification is turned on, a message informing the new customer of the verification process is displayed after the order is submitted. You can customise this message in the Order Confirmation Message widget. 

1. Navigate to Content → Pages & Templates → Checkout. 
   
   
2. Locate the Order Confirmation Page and click Edit.
   
   
3. Find the Order Confirmation Message widget and click Edit. 
   
   
4. Find the tab: 'Credit Card Validation'. Note - If the tab is not there, check that 'Credit Card Verification' is enabled in 'Settings'.
   
   
   

5. Configure the heading and message the buyer will see upon Checkout.
   
   
   

6. Save your changes.
   
   

View and manage orders awaiting credit card verification

When Credit Card Verification is turned on and active, the CMS displays the menu item Orders → Credit Card Verification. Clicking on it will take you to the list of orders and their current statuses.  

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1. If the user fails the first attempt, eWay 
   
   
   

Resend credit card verification email to Customer

If the customer enquires after their order and requires the email asking them to verify the amounts, you can resend the email to them by clicking Resend Email.

Verification of credit card ownership offline

If the customer was unable to validate the credit card via the link but was able to confirm card ownership, an authorised CMS user can release the order by clicking Release against the pending order.


Enter the reason for the release and click Confirm. The order is released and the customer will receive an order confirmation email.

The Credit Card Verification process from customers/users' perspective 

1. A first-time user or customer registers on your site and makes a purchase. At the 'Checkout' page, they must check the box to acknowledge that their credit card payment may be selected for additional security verification.
   
   
   

2. As this is the first time this customer has purchased something on the site with an unverified credit card, the system will advise them that the order is 'pending' at the confirmation screen.
   
   
   
3. The system will also send them an email, which also has the link for them to validate the order. 
   
   
   
   
4. The verification amount(s) the customer needs will appear in their credit card's transactions. There will be two charges for a Split Charge and one for a Short Change. 
   
   
   
5. When they click the link in the email (or Order Pending screen), they must enter one of the values that was charged to their card to release the order.
   
   
   
   
6.  If the amount entered is correct, the system will release the order and send them a verification email, which shows the total amount and confirms the split or short values. The Cash Receipt below displays a successful Split Charge verified payment.  

What if user fails credit card verification?

1. Each time the user enters an amount that does not match the splits charged or the short changes for the nominated order, the system will display a failed message. The number of times a user can attempt verification depends on the 'Attempts Allowed' setting. 

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Note
The credit card is charged at the time of purchase. Therefore, if verification fails, then the customer or user must engage with the credit card merchant to organise a refund to the nominated credit card if they abandon an order.

Additional Information

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Related help

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