What is server to server credit card processing?
By requesting the credit card details on the webshop, a ‘direct’ transaction can be created. Customers can finalize a credit card payment without being redirected to the Payment page of MultiSafepay, resulting in a faster checkout experience and a higher level of control from the merchant’s perspective.
Types of Credit & Debit Cards supported for Server to Server direct payments.
| Debit / Credit cards | Supported for server to server direct payments |
|---|---|
| Visa | 3D verified by Visa and NON 3D |
| Mastercard | 3D secure code and NON 3D |
| Maestro | Only 3D |
| American Express | NON 3D = No Safekey |
| Bancontact | Only 3D |
Transaction Payment Statuses
| Transaction status | Supported for server to server direct payments |
|---|---|
| Initialized | A transaction has been initiated, but no payment has been received yet. |
| Completed | Payment has been successful. |
| Declined | Rejected by the credit card company. |
| Canceled | Canceled by the merchant (only aplies to the status initialized or uncleared). |
| Uncleared | Waiting for manual permission of the merchant to approve or decline the payment. |
| Void | Failed Payment. |
| Expired | Depending on the payment method, unfinished transaction automatically expires after a predifined period. |
Read more about 3D Secure in our article What is 3D Secure?
Credit Card Settings to allow direct credit card 3D secure payments.
3D Secure is a technical standard to enhance security. Credit card transactions which are processed with the 3D Secure protocol require a form of authentication of the customer, during the payment process. This is usually done via a password connected to the card.
By default all card orders are processed with 3D Secure. Except American Express orders; 3D Secure ‘Safekey’ is currently not supported for American Express transaction.
Read more about Dynamic 3D Secure in our FAQ article Dynamic 3D Secure.