Pay Advantage 8.9

Tuesday 22nd August, 2023

Changes

• Request to Verify Card - We've implemented a card verification feature to safeguard against fraudulent and risky transactions. When you request verification for a card, a harmless $0 authorization is sent, clearly explaining the purpose of the verification. This provides the following benefits:

  • Fraud Prevention: With credit cards now serving as a widely adopted global payment method, the prevalence of fraudulent activity has risen. In response, we've introduced a crucial measure to safeguard your transactions: the ability to request customer verification. This step helps ensure that the credit card used for a payment truly belongs to the customer in question. This action is recorded, and the payment receipt will display a record of the verification requests made for that card.

  • Transparency: You'll have complete transparency when it comes to card verification requests. If a card has no authorization event or the activation process is still underway, you can access a history of all verification requests for that card by simply clicking on the payment receipt.

  • Cancellation Control: You're in control of your payment requests. You have the ability to cancel your own card authentication payment requests. However, please note that our support team can assist in canceling any card authentication payment request, providing an added layer of security and convenience.

How to send a credit card validation request:

Step 1: Locate the Payment: Find the payment you wish to validate and click on it to access the receipt.

Step 2: Initiate Verification: Click the "Send Card Authentication" button.

Step 3: Choose Delivery Method: Decide whether to send the request via SMS, Email, or a provided link.

Step 4: Wait for Customer Response: Your customer will then complete the card authentication process.

The customer will be sent a request to verify the card. The screenshot below is an example of what they will receive to complete the verification process.

• Pre-authenticated Payment Requests - We've introduced a convenient feature where payment requests for API users which can now be initiated using a customer payment account, previously referred to as a "credit card token." This enhancement ensures that customers can effortlessly validate their payments. With this upgrade, customers can simply click "Charge Card" on the payment request, eliminating the need to repeatedly input their credit card details every time they receive a new payment.

Customer view of a pre-authenticated card payment request: