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Credit Card Verification is a fraud prevention feature for credit card orders on your website. (Compatible with eWAY payments only.) When enabled, the system will short charge (undercharge) the payment amount for orders by guest users and whenever a new credit card is used by registered Users or Customers. The buyer must confirm the actual charged Your website and credit card payment provider may already have a range of fraud prevention methods in place. If you are using eWAY, you can enable this additional security check for certain orders. The system will undercharge the card and the buyer must confirm the amount to progress the order. Automation of the processes in CSS ensures minimal manual handling by your online team members, who can also track the status of the orders easily in CMS. If used with the 'immediate integration' option, this solution offers efficiencies for the reconciliation of the online sales order with the issuing of the cash receipt in your ERP, |
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The procedures involved at each stage of verification are automated so minimal handling and attention is needed from your staff. But they can easily track and edit the order's verification status in CMS manually, if required. |
Here is how Credit Card Verification works:
- Orders by guest users and whenever a new credit card is used by a registered User or Customer (which one depends on your settings) are placed on hold.A charge method is used by the system to change the actual charged amount from the order total: two charge methods are available, although 'short charge' is recommended. ('split charge' are placed on hold if order totals are above the set threshold amount.
- The system charges a randomly-generated amount under the order total (within the limit of what has been set). (The older 'split charge' method is also available. This is a legacy method and no longer supported by Commerce Vision.)
- The buyer receives an order confirmation email, which includes details about how to verify the card.
- The buyer checks the charged amount(s) in their credit card account and returns to your site to enter it in the verification page.
- If successful, the system will release the order for fulfilment as per the usual process, and if not, cancel it.
Notes
- For Users/Customers, (i) once a credit card has been successfully verified, it can be used for subsequent orders without triggering further security checks; (ii) multiple orders 'pending' against the same credit card will all be released upon successful verification through one of these orders.
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- Guest orders over the threshold amount will trigger the verification process even when the credit card has been used before
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- (unless a guest makes multiple purchases in the same browser session).
- CMS users (depending on Role) can track orders flagged for this verification process through the Credit Card Verification page.
- This feature has two modes: 'immediate order integration' ON or OFF. See Settings for details.
Prerequisites to using Credit Card Verification
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