Adding / Modifying Authorize.Net Credit Card Gateway

Integrating your Authorize.Net Merchant Account with our system will take only few minutes. You do not have to write any code for this but have to simply follow these instructions:

Before you Start

You will need to gather the following details about your Authorize.Net Merchant Account before you start:

  • Your Merchant Login ID

  • Your Merchant Transaction Key (available within your Authorize.Net Merchant Account at Settings Link (on the left) -> Security section -> Obtain Transaction Key)

  • The MD5 Hash Value that you have set in the Authorize.Net Merchant Interface (available under How is the MD5 Hash Value Set Up in the Merchant Interface? (Appendix E - The MD5 Hash Security Feature) in the Authorize.Net Implementation Guide.

  • Fixed Variable Fee charged per transaction for your account

Note
  • For added security, Verve Logic ensure that your Customers / Sub-Resellers enter their Credit Card Card Verification Value Code (CVV2/CVC2/CID) while transacting online (also known as Card-Not-Present transactions) using the Authorize.Net Payment Gateway. However, Authorize.Net has recently upgraded their systems, due to which now you need to upgrade your Transaction version to 3.1, to support acceptance of Card Verification Value Code.

    You need to follow the instructions listed under Upgrading the Transaction Version (AIM Transaction Response Types) in the Authorize.Net Implementation Guide.

    It is mandatory for you to follow the above instructions before accepting payments from your Customers / Sub-Resellers via the Authorize.Net Payment Gateway through our system.

  • Authorize.Net provides you a couple of security measures by which you can further reduce risk, while accepting funds online:

    • Authorize.Net allows you decline transactions if the Card Verification Value Code (CVV2/CVC2/CID) submitted by your Customers / Sub-Resellers does not match with the Credit Card company's record. To configure this filter to reject certain Card Code responses from the Credit Card company, you need to follow the instructions listed under Credit Card Identification Code (CVV2/CVC2/CID) in the Authorize.Net Implementation Guide.

    • You can also configure the gateway to reject or accept transactions based on the Address Verification System (AVS) code returned. To configure rejection or acceptance of a transaction based on the AVS code, you need to follow the instructions listed under Address Verification System (Appendix C - Features of the Gateway) in the Authorize.Net Implementation Guide.

      The Address Verification System is a system used to verify the identity of the person claiming to own the credit card. The system will check the billing address of the credit card provided by the user with the address on file at the credit card company.

 

Integrating the Authorize.Net Credit Card Gateway with your Reseller Account

  1. Login to your Reseller Control Panel. 1

  2. In the Menu, point to Settings -> Finance & Billing -> Payment Gateway and click List / Add.

  3. Click the Add a Gateway link.

  4. Click the Add an Authorize.Net Credit Card Gateway link.

  5. Enter the following Authorize.Net Details and save your changes by clicking the Submit button:

    • Gateway Name: This Gateway Name would be shown to your Customers / Sub-Resellers, when they are about to make Payment. You can use something like Credit Card Payment; or Visa/Master Card, etc..

    • Authorize.Net Merchant Login ID: The Username you use to login into your Authorize.Net Merchant account.

    • Authorize.Net Merchant Transaction Key: This key is provided to you by Authorize.Net.

    • MD5 Hash Value set at Authorize.Net: The MD5 Hash security feature enables merchants to verify that the results of a transaction were actually send from the gateway. The MD5 Hash value is set from within your Authorize.Net Merchant Interface.

    • Currency: Select the currency in which you want to charge your Customers credit cards. Your Merchant Account needs to support the currency that is selected.

    • Currency Exchange Rate: If the Currency you selected in the previous option varies from your Selling Currency, we will have to convert the Invoice Value to the Authorize.Net Currency, before we send your Customer's details to Authorize.Net. For this purpose the system needs an exchange rate between the two.

      You may choose to maintain this exchange rate yourselves or let us maintain it for you. We download FOREX rates on a daily basis from a recognized source and update exchange rates for you. If, however, you wish to update the rates yourselves then you may do so by selecting the I would like to Maintain the currency exchange rate myself checkbox and entering your own conversion rate.

    • Select the types of CREDIT CARDS that your merchant account supports: You need to select the types of Credit Card that are supported by your Bank. The credit card types available are - Visa/Master, Amex, Discover, Diners Card and JCB. You can also decide the sequence in which you want your Customers / Sub-Resellers to view these Card types on the payment page.

    • Payment Gateway Access Level for Customers / Sub-Resellers: Select appropriate Access Levels for your Customers / Sub-Resellers.

    • Credit a Customer / Sub-Reseller with the Net Amount in an Add Funds transaction.: Your Bank and Authorize.Net deducts a fee on a per transaction basis. There are two types of Transactions that can pass through your Authorize.Net integration - Invoice/Debit Note Payment and Add Funds.

      In case of an Add Funds transaction, you have the option of crediting your Customers / Sub-Resellers with the Net amount that Authorize.Net credits you with, or choose to credit them with the Gross funds and bear the charges yourselves. The Net amount is calculated by subtracting the per transaction charges from the transaction amount. The per transaction charges are calculated by adding the Total Fixed fee charged per transaction and the Total Variable fee charged per transaction.

    • Total Fixed fee charged per transaction for your merchant account (Per Transaction Fixed Fee charged by your Bank + Per Transaction Fixed Fee charged by the Authorize.Net Credit Card Gateway): Enter the total fixed fee that is charged per transaction in the given textbox. This information is primarily used to calculate the Net amount that your Merchant Account is credited with, if you choose to credit your Customer / Sub-Reseller with the Net amount in an Add funds Transaction. Your bank and/or your gateway may be charging you a different amount of fixed fee per transaction for different credit card types, e.g., a certain fixed fee per transaction for Visa cards and a different fixed fee for American Express cards. In case, the amount of fixed fee is different per credit card type, then enter the highest amount of fixed fees charged per transaction to your account, e.g., if the total fixed fee for Visa Cards is 25 cents per transaction and the total fixed fee for American Express cards is 30 cents per transaction, then enter 0.30 in the textbox. If there is no fixed fee charged per transaction then enter 0.

    • Total Variable fee charged per transaction for your merchant account: Enter the total variable fee that is charged per transaction in the given textbox. This information is primarily used to calculate the Net amount that your Merchant Account is credited with, if you choose to credit your Customer / Sub-Reseller with the Net amount in an Add funds Transaction. Your bank and/or your gateway may be charging you a different amount of variable fee per transaction for different credit card types, e.g., a certain variable fee per transaction for Visa cards and a different variable fee for American Express cards. In case the amount of variable fee is different per credit card type, then enter the highest amount of variable fees charged per transaction to your account, e.g., if the total variable fee for Visa Cards is 2.50% per transaction and the total variable fee for American Express cards is 3.00% per transaction, then enter 3.00 in the textbox. If there is no variable fee charged per transaction, then enter 0.

      Note

      If you have selected to credit a Customer / Sub-Reseller with the Net amount in an Add Funds transaction, then you must submit either a Fixed Transaction fee (greater than 0) or a Variable Transaction fee (greater than 0).

    • Send me a Reminder if a transaction is pending for more than x days: In case you have not yet accepted a payment sent to you via the Authorize.net Payment Gateway, you can get e-mail reminders sent to you daily after x number of days from the payment date, until you either Approve or Decline these payments.

    • Display Position: If you plan on adding multiple Payment Gateways you can select the position in which you wish to display this Gateway on your Payment Page.

Note

The SuperSite contains information about the various Payment options you offer to your Customers and also presents these options at the time of purchasing Products and Services. This data is downloaded to your SuperSite from your Control Panel and cached (stored) on the SuperSite Server. The cache of your SuperSite will be reloaded automatically, once you have completed the above process. This way, the updated details will be downloaded to your SuperSite from your Control Panel.

Additional Information

SuperSite