Our Payment Pages solution is for merchants who want a simple and easily-implemented way of adding e-payment capability to their online commerce systems. Payment Pages work with custom-designed e-commerce systems as well as with many commercially available shopping cart applications.
Use this integration if you need a ready-built hosted checkout that supports the following features:
- Process payments on dedicated HTTPS servers hosted by Trust Payments (that use the SSL protocol) that allow you to process secure and reliable transactions.
- Trust Payments handles the customer’s payment session, including any Strong Customer Authentication (SCA) required by 3-D Secure.
- Your servers don't need to handle sensitive payment credentials, simplifying PCI compliance.
- Customise the Payment Pages with custom CSS to maintain the look and feel of your online store.
- Accept a large variety of currencies.
- Track all transactions using our online transaction management system, Portal.
All businesses within the EEA (European Economic Area) will soon be mandated to be PSD2 compliant
By following the steps outlined in these documents, you will meet the requirements needed to continue processing e-commerce transactions.
How do the Payment Pages work?
- When the customer is ready to checkout, your server redirects them to the checkout page hosted by Trust Payments.
- The customer fills out their billing and delivery details and confirms.
- Trust Payments will contact the card issuer to check if the card is enrolled in 3-D Secure.
- If the card is not enrolled, a payment is processed automatically.
- If the card is enrolled, the card issuer will check if the payment is deemed high risk.
- Customers processing low-risk payments bypass Strong Customer Authentication (SCA) and the payment is processed automatically.
- Customers processing high-risk payments are authenticated using SCA prior to the payment being processed.
- Following the payment session, the customer is either displayed a success message on the checkout hosted by Trust Payments, or alternatively you can configure a redirect that takes the customer back to your website so you can display your own receipt page.
What will the customer see?
The following diagrams show standard e-commerce transactions using 3-D Secure:
When payment is deemed low-risk
Frictionless payment allows for a streamlined checkout experiences
- The customer enters their billing and delivery details on the hosted checkout and clicks “Pay securely”.
- Data regarding the payment session and customer’s device is shared with the card issuer. The payment is deemed low-risk, so no action is needed from the customer to verify their identity.
- Following these checks the payment will be processed. The checkout will then display a success message to the customer.
When payment is deemed high-risk
Customer will be challenged prior to completing the purchase
- The customer enters their billing and delivery details on the hosted checkout and clicks “Pay securely”.
- Data regarding the payment session and customer’s device is shared with the card issuer. The payment is deemed high-risk, so the customer's device may display an overlay prompting them to complete some basic actions to verify their identity.
- Following any authentication steps required by the customer’s card issuer, the overlay will close automatically, and the payment will be processed. The checkout will then display a success message to the customer.
If the authentication fails, your checkout will display an error message and provide the customer an opportunity to re-attempt payment or provide an alternative card.
Authentication
For all new integrations with Payment Pages, e-commerce payments are automatically authenticated with 3-D Secure by default. 3-D Secure is a protocol overseen by card issuers, designed to reduce fraud and chargebacks by authenticating the customer’s identity at the point of sale. For a fully authenticated 3-D Secure transaction, in the event of a dispute at a later date, the card issuer will usually take liability of the chargeback instead of the merchant.
Benefits of 3-D Secure
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Enhanced data checks: Data regarding the payment session and customer’s device is shared with the card issuer, allowing for risk-based decisions without always needing to seek authentication from the customer. This reduces the time that the average consumer takes to complete a transaction.
- Easy authentication: Authentication can now be performed by biometrics (fingerprint / facial recognition). This makes it easier for your customers to complete payments and ultimately reduces shopping cart abandonment.
