2. KnowSystem


CIT with 3D Secure

 
First 3DS Transaction
When performing your first transaction using application id: 00000000-263b-4315-b2cd-000000000000, the gateway will return the TransactionIndex, masked PAN and Expiry Date, which you will need to store in your database.

The following field response values need to be stored on your database, linked to the card holder details.

  • TransactionIndex
  • PAN
  • ExpiryDate


Subsequent - Recurring Transactions
Now comes the time you want to debit the same card.  You will need to pass the following using application id 01010101-7694-4343-95EE-010101010101 which is not 3DS enforced.
Note that this is a different Application ID to the one used for initial transaction but must reside within the same user group.

For this transaction you need to also include the following fields on your request:

  • PANFormat: This must always be fixed to TransactionIndex
  • PAN: You must provide the previous transaction ‘s response value. The masked PAN must be populated.
  • ExpiryDate: You must provide the previous transaction ‘s response value.

The combination of the above are used by the gateway to retrieve the missing digits of the card. Should the above not match to the previous transaction then your transaction will fail.

Subsequent Recurring Transaction Message
In the sample below "CardholderPresence" is set by the merchant on the Debit instruction:

 

REST

SOAP

{

    "Version": "2.0",

    "CertificateID": "{5c4b9c74-0063-4240-9cff-f730675c5bd0}",

    "ProductType": "Enterprise",

    "ProductVersion": "WebAPI",

    "Direction": "Request",

    "Transaction": {

        "ApplicationID": "{d8d5a94-8fa0-428d-a539-3a5baf166f7f}",

        "Command": "Debit ",

        "Mode": "Test",

        "MerchantReference": "Ned20221214_1117",

        "Currency": "ZAR", 

        "Amount": "1600",

        "ExpiryDate": "1230",

        "PAN": "4242........4242",

        "CardholderPresence": "Recurring",

        "PANFormat": "TransactionIndex",

        "TransactionIndex": "7C256903-9097-41AE-81B6-54681B33301F"

        

 

    }

 

<soap:Envelope xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"

  xmlns:xsd="http://www.w3.org/2001/XMLSchema" 

xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">

  <soap:Body>

  <Execute xmlns="http://iveri.com/">

  <validateRequest>false</validateRequest>

  <protocol>V_XML</protocol>

  <protocolVersion>7.0</protocolVersion>

  <request>

    &lt;V_XML Version="2.0" CertificateID="{5c4b9c74-0063-4240-9cff-f730675c5bd0}" 

    ProductType="Enterprise" ProductVersion="iVeriWebService"

 Direction="Request"&gt; &lt;Transaction ApplicationID="{6d8d5a94-8fa0-428d-a539-3a5baf166f7f}" Command="Debit" Mode="Test"&gt;

    &lt;MerchantTrace&gt;24AZNXBEEE&lt;/MerchantTrace&gt;

    &lt;Amount&gt;2000&lt;/Amount&gt;

    &lt;Currency&gt;ZAR&lt;/Currency&gt;

    &lt;ExpiryDate&gt;042024&lt;/ExpiryDate&gt;

    &lt;MerchantReference&gt;20220104.0931&lt;/MerchantReference&gt;

    &lt;CardholderPresence&gt;Recurring&lt;/CardholderPresence&gt;

    &lt;PANFormat&gt;TransactionIndex&lt;/PANFormat&gt;

    &lt;TransactionIndex&gt;7C256903-9097-41AE-81B6-54681B33301F&lt;/TransactionIndex&gt;

    &lt;PAN&gt;4242........4242&lt;/PAN&gt;

    &lt;/Transaction&gt;&lt;/V_XML&gt;

</request>

  </Execute>

  </soap:Body>

  </soap:Envelope>

 

REST Response

SOAP Response

{

    "Version": "2.0",

    "Direction": "Response",

    "Transaction": {

        "Amount": "1600",

        "AuthorisationCode": "811045",

        "CCNumber": "4242........4242",

        "Currency": "ZAR",

        "ExpiryDate": "122030",

        "MerchantReference": "Ned20221214_1117",

        "Terminal": "Default",

        "TransactionIndex": "{550B0E5C-AA2A-4A46-B7A4-9543338188D6}",

        "MerchantName": "iVeri Payment Technology",

        "MerchantUSN": "7771777",

        "Acquirer": "NBPostilionNBSouthAfrica",

        "AcquirerReference": "95713:04649948",

        "AcquirerDate": "20230109",

        "AcquirerTime": "091725",

        "DisplayAmount": "R 16.00",

        "BIN": "4",

        "Association": "VISA",

        "CardType": "Unknown CardType",

        "Issuer": "Unknown Issuer",

        "Jurisdiction": "International",

        "PAN": "4242........4242",

        "PANMode": "Tokenized",

        "ReconReference": "04649948",

        "CardHolderPresence": "CardNotPresent,Recurring",

        "MerchantAddress": "MERCHANT ADDRESS",

        "MerchantCity": "Sandton",

        "MerchantCountryCode": "ZA",

        "MerchantCountry": "South Africa",

        "DistributorName": "Nedbank",

        "ApplicationID": "{6D8D5A94-8FA0-428D-A539-3A5BAF166F7F}",

        "Command": "Debit",

        "Mode": "Test",

        "RequestID": "{3ED8E51C-24AC-4959-8E8E-F3952DEF019A}",

        "Result": {

            "Status": "0",

            "Code": "0",

            "Description": "",

            "AppServer": "105IVERIAPPPR1N",

            "DBServer": "105iveridbpr01n",

            "Gateway": "Nedbank",

            "AcquirerCode": "00",

            "AcquirerDescription": ""

        }

    }

}

 

<?xml version="1.0" encoding="utf-8"?>

<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/" 

xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">

    <soap:Body>

        <ExecuteResponse xmlns="http://iveri.com/">

            <ExecuteResult>&lt;V_XML Version="2.0" Direction="Response"&gt;

  &lt;Transaction ApplicationID="{6D8D5A94-8FA0-428D-A539-3A5BAF166F7F}" Command="Debit" Mode="Test" RequestID="{24A1FCA2-69F0-41ED-B5B7-AB07521EE5B6}"&gt;

    &lt;Result Status="0" Code="0" Description="" AppServer="105IVERIAPPPR2N"

 DBServer="105iveridbpr01n" Gateway="Nedbank" AcquirerCode="00" 

AcquirerDescription="" /&gt;

    &lt;MerchantTrace&gt;24AZNXBEEE&lt;/MerchantTrace&gt;

    &lt;Amount&gt;2000&lt;/Amount&gt;

    &lt;AuthorisationCode&gt;811887&lt;/AuthorisationCode&gt;

    &lt;CCNumber&gt;4242........4242&lt;/CCNumber&gt;

    &lt;Currency&gt;ZAR&lt;/Currency&gt;

    &lt;ExpiryDate&gt;042024&lt;/ExpiryDate&gt;

    &lt;MerchantReference&gt;20220104.0931&lt;/MerchantReference&gt;

    &lt;Terminal&gt;Default&lt;/Terminal&gt;

    &lt;TransactionIndex&gt;{C888BD10-0474-495B-84E7-A113C4C74C76}&lt;/TransactionIndex&gt;

    &lt;MerchantName&gt;iVeri Payment Technology&lt;/MerchantName&gt;

    &lt;MerchantUSN&gt;7771777&lt;/MerchantUSN&gt;

    &lt;Acquirer&gt;NBPostilionNBSouthAfrica&lt;/Acquirer&gt;

    &lt;AcquirerReference&gt;95713:04649951&lt;/AcquirerReference&gt;

    &lt;AcquirerDate&gt;20230109&lt;/AcquirerDate&gt;

    &lt;AcquirerTime&gt;093127&lt;/AcquirerTime&gt;

    &lt;DisplayAmount&gt;R 20.00&lt;/DisplayAmount&gt;

    &lt;BIN&gt;4&lt;/BIN&gt;

    &lt;Association&gt;VISA&lt;/Association&gt;

    &lt;CardType&gt;Unknown CardType&lt;/CardType&gt;

    &lt;Issuer&gt;Unknown Issuer&lt;/Issuer&gt;

    &lt;Jurisdiction&gt;International&lt;/Jurisdiction&gt;

    &lt;PAN&gt;4242........4242&lt;/PAN&gt;

    &lt;PANMode&gt;Tokenized&lt;/PANMode&gt;

    &lt;ReconReference&gt;04649951&lt;/ReconReference&gt;

    &lt;CardHolderPresence&gt;CardNotPresent,Recurring

&lt;/CardHolderPresence&gt;

    &lt;MerchantAddress&gt;MERCHANT ADDRESS&lt;/MerchantAddress&gt;

    &lt;MerchantCity&gt;Sandton&lt;/MerchantCity&gt;

    &lt;MerchantCountryCode&gt;ZA&lt;/MerchantCountryCode&gt;

    &lt;MerchantCountry&gt;South Africa&lt;/MerchantCountry&gt;

    &lt;DistributorName&gt;Nedbank&lt;/DistributorName&gt;

  &lt;/Transaction&gt;

&lt;/V_XML&gt;</ExecuteResult>

        </ExecuteResponse>

    </soap:Body>

</soap:Envelope>

 


Note in the above response you will receive a new TransactionIndex, each time a recurring payment is made, you can keep the new Transaction and daisy chain or use the original/first transaction