First Data
eCommerce
Solution
High performance payment processing solution designed specifically to meet the
requirements of global card-not-present PSP.
When you partner with First Data for your online payment processing needs,
we help you increase revenue, reduce costs and minimize risk, while you
provide your customers industry-leading innovation and exclusive security
protocol that delivers a faster, safer and more reliable online shopping
experience.
First Data eCommerce
Solution at a glance
• Scalability to meet growth needs
• Secure and compliant processing platforms
• Comprehensive online payment options
• Redundant infrastructure, 24/7 availability
First Data eCommerce Solution
Payment Gateway Functionality
First Data’s eCommerce solution provides the following functionality:
• SOAP XML messages delivery interface
• Single message transactions
• Dual message transactions
• Authorizations cancellation for dual message transactions
• Transactions reversal
• Refund transactions
• Online fraud prevention
• Recurring payments
• MOTO transactions
• Chargeback processing
• 3DS merchant plug-in ( Verified by Visa®, MasterCard SecureCodeSM)
• VISA International Airline program – additional transaction data processing
• Gambling and FX payouts support
• Person to person payments
• Dynamic currency conversation
How it works
The First Data eCommerce
solution acts as a messenger
to quickly and securely pass
payment information between
the consumer, merchant, PSP,
bank acquirer and consumer’s
bank to authorize and settle
your card-not-present business.
Client Submits Payment
To Merchant
Authorization
Request / Response
First Data
PSP Gateway
Payment Processing /
Card Issuing Bank
Goods Delivered
to Client
Goods Delivered
to Client
Merchant Bank
Settlement / Funding
First Data eCommerce Solution
Reports
First Data provides a powerful reporting package for successful eCommerce business management:
• Payments Report - Transactions processed by First Data and related reversals (if any)
• C
hargeback Report - Lists all chargebacks and MC Arbitration chargebacks received by First Data and related
payment information
• Representment Report - Lists all representments submitted by First Data and related payment information
• Retrieval Request Report - Shows all document requests received by First Data and related payment information
• P
re-Arbitration/Arbitration Report - Lists all Visa Pre-Arbitration and Arbitration received by First Data and related
payment information
• P
re-Compliance/Compliance or Good Faith Reports - Shows all pre-compliance and, compliance and good faith
received by First Data and related payment information
• F
raud Transaction Report - Lists all transactions reported as fraudulent by issuers to card schemes using MasterCard
SAFE or Visa TC40 systems
Implementation
For successful solution implementation, First Data provides a PSP with an implementation project manager, dedicated test
environment and initial PSP training.
Security
At First Data, we use Visa and MasterCard payment schemes certified solutions which support PCI DSS requirements.
First Data solutions support Verified by Visa and MasterCard SecureCode, an authenticated cardholder solution to
improve payment protection.
In addition, in order to minimize your risks, First Data has a fraud prevention system which allows significantly reduced
fraud losses.
Technology
Transactions processing high level description:
a. Single message transactions
i. P
SP provides full payment information, payment gateway authorizes transaction and if successful captures
payment for clearing
b. Dual message transactions
i. PSP provides full payment information and payment gateway authorizes transaction
ii. PSP requests completion of transaction and payment gateway captures transaction for financial processing
c. Payment cancellation
ayment cancellation can be used to cancel DMS authorization (2nd step) before payment is submitted.
P
It initiates authorization reversal and releases blocked funds held on cardholder account
d. Payment return
eturns payment details and status for Payment ID. It is possible to use this function within 90 days of
R
original transaction.
First Data eCommerce Solution
e. Transaction reversal
ull and partial reversals are supported. Reversal can be requested also for Refund Transaction
F
(resulting in debit to cardholder account). Reversal (partial reversal) can be requested only one time per original
request/transaction.
Service creates online reversal, which is sent online to issuer and returns blocked funds on cardholder account
immediately and processed for clearing; or offline reversal which is NOT sent online to issuer and is only processed
for clearing. Offline reversal does not release authorization holds on cardholder account in online mode but only
after issuer bank has processed received transactions.
f. Refund transaction
“ Refund Transaction” enables a payment service provider to issue credit to cardholders. This option does not involve
reference to original transaction. Refund transaction flow consists of two requests:
i. 1st step – PSP registers payment information and payment gateway assigns payment ID
ii. 2nd step – payment gateway captures refund for clearing
g. Reconciliation message
PSP shall request reconciliation service for each merchant ID at least once a day at a time agreed with First Data.
Reconciliation service initiates processing of captured transactions for clearing.
h. 3DS MPI
If a merchant has chosen to use 3DS then the system must complete a 3D authentication (3D Secure / UCAF) prior
to sending the request to First Data via SOAP Interface for secure eCommerce transactions – requirement does not
apply to unsecure eCommerce, Refund/Reversal, MOTO or recurring transactions.
For more information, please contact a First Data Merchant Solutions sales representative
or visit firstdata.lv
© 2015 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.
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