Server to Server


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 a MultiSafepay payment page, resulting in a faster checkout experience and more control for merchants.

Supported cards

Card Supported for direct server-to-server payments
Visa 3D verified by Visa and NON 3D
Mastercard 3D Secure code and NON 3D
Maestro Only 3D
American Express American Express Safekey. Only transactions lower than 30 EUR are exempt from mandatory Safekey verification
Bancontact Only 3D

Transaction flow

Transaction flow is the ways a transaction can be processed for each payment method.

  • Order status
    Indicates the status of the order independent of the incoming or outgoing payment of the transaction. Example statuses: Completed, Pending, or Rejected.

  • Transaction status
    Indicates the payment status of the transaction, e.g. Completed, Pending, or Rejected. Once the transaction status is Completed, the amount of the transaction is added to your MultiSafepay balance.

All credit card transactions pass through our fraud filter.

Transaction statuses

Order status Transaction status Description
Initialized Initialized A payment link has been generated, but no payment has been received yet.
Completed Completed A successful credit card transaction has been received and the funds will be added to your MultiSafepay balance.
Uncleared Uncleared Waiting for manual permission from the merchant to accept/decline the payment. For more information, see Evaluating uncleared credit card transactions.
Declined Declined Rejected by the issuing bank. For more information, see Declined status.
Expired Expired Unfinished transactions automatically expire after a predefined period.
Void Cancelled The transaction was cancelled.

Transaction flow when processing on own MID

When using an own MID (MerchantID) from American Express, the funds are not processed by MultiSafepay. Instead, the funds will be added to your own balance at American Express.

Order Status Transaction Status Description
Initialized Initialized A payment link has been generated, but no payment has been received yet.
Uncleared Initialized Waiting for manual permission of the merchant to approve/disapprove the payment. Read more on accepting uncleared credit card payments, how and why?
Completed Initialized A successful credit card transaction has been received and the funds will be added to your MultiSafepay Control balance.

Refund flow

Order Status Transaction Status Description
Reserved Reserved A refund has been requested.
Completed Completed Refund was successfully processed.
Chargeback Completed Forced reversal of funds initiated by customer’s bank (issuer). Only applicable to SEPA Direct Debit and credit card payments. For more information, see About chargebacks.

For more information about 3D Secure, see About 3D Secure.

Credit card settings for 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.

For more information about Dynamic 3D Secure, see Dynamic 3D Secure.

Feedback

Our documentation is open source.

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Other languages

For an explanation in another language, contact your account manager.