Transaction Result Codes ** Result Status* Result Code* Result Description* Additional Information * 0 (OK) 0 Approved/Successful -1 (Not OK) 1 Timeout waiting for response Either stop the transaction or wait a while before re-submitting.  Do not re-submit forever, have a limit in place of how many times a transaction can be re-submitted. -1 (Not OK) 2 Gateway unreachable Either stop the transaction or wait a while before re-submitting.  Do not re-submit forever, have a limit in place of how many times a transaction can be re-submitted. -1 (Not OK) 3 Hot card -1 (Not OK) 4 Denied -1 (Not OK) 5 Please call Merchant can phone their acquiring bank to obtain a telephonic authorisation.  If this is not possible then the transaction should be Denied. -1 (Not OK) 7 Invalid Authentication Data Car

This purpose of this sections is to give some domain knowledge to people not familiar with the payment domain. Card Present vs. Card Not Present ***   A Merchant interfaces with a card holder and submits a Card Present Transaction request whilst the card holder is waiting, and the card holder authenticates the transaction (typically via signature or PIN entry). In the event of a dispute of the transaction, the merchant must prove that the card holder authorized it, else merchant is liable to refund the card holder. A Merchant submits a Card Not Present Transaction according to previously arranged agreement with a card holder. The card holder is not present to authenticate the transaction. In the event of a dispute on the transaction, the merchant must prove the card holder authorized it, e

Transaction integrity can be seen as ensuring that all players within an individual iVeri transaction agree on its outcome. When a Card Holder gets his statement from his Issuer, it must correspond to his instruction to the merchant for a corresponding transaction. When transaction integrity is compromised either willfully (fraud) or unintentionally, it can result in a disputed transaction with legal impacts. Individual transactions *** Void* A Void of a previous transaction request is a command to ignore (i.e. cancel the effects of) a previous (recently submitted) transaction request. When a merchant receives a successful response for a transaction request, and thereafter “something goes wrong”, then the Merchant has the option to “void” the transaction. Examples of “something goes wrong”

A service that enables payment card cardholders to make international card purchases or transactions in their own currency. The conversion of the purchase price of goods or services from the merchant’s local currency to the cardholder’s home currency occurs at the point of sale at the quoted exchange rate from a cited exchange rate source. PAYD* PayD transactions allow the customer to make a payment using their debit card + pin, without a POS device present (i.e. web site purchases), by using their mobile phones PayD Process* Customer selects payD as payment method for the transaction. (The payment selection process is provided by the merchant) Customer enters their mobile number instead of their card details. (Card details are not present in the V_XML) PanFormat is set to MSISDN and the

The following section covers the details of POS Device integration (particularly PIN based transactions). PIN transactions are encrypted either using Triple DES DUKPT or Triple DES Master/Session encryption architecture. The combination of Acquirer and type of device used determine the encryption architecture chosen. iVeri provides facilities where PIN transactions can be process in either mode Live or Test.For security reasons, a key cannot be used in both modes Live and Test. Therefore, a device is either loaded for mode Test or mode Live. A Device that is to be used for mode Live must be injected with a key within an iVeri Trusted Centre using the appropriate encryption architecture.A Device that is to be used for mode Test may be injected by a merchant, or within the Trusted https://ce

* * The following section covers the details of POS Device integration (particularly PIN based transactions). PIN transactions are encrypted either using Triple DES DUKPT or Triple DES Master/Session encryption architecture. The combination of Acquirer and type of device used determine the encryption architecture chosen. iVeri provides facilities where PIN transactions can be process in either mode Live or Test.For security reasons, a key cannot be used in both modes Live and Test. Therefore, a device is either loaded for mode Test or mode Live. A Device that is to be used for mode Live must be injected with a key within an iVeri Trusted Centre using the appropriate encryption architecture.A Device that is to be used for mode Test may be injected by a merchant, or within the Trusted https:

Additional Data for Procurement Transactions ** Procurement transactions refer to transactions that contain the line item (or order basket) details. If the line-item details are sent to iVeri within a transaction, then a procurement card holder get those details from their issuing bank (for example on their monthly statement). This is of assistance in tracking business to business transactions particularly in large corporations. Procurement transactions are currently only available within distributor Nedbank. Coding for Procurement * The following optional input parameters are Procurement specific per transaction: CustomerReferenceIdentifier  CustomerVATRegistrationNumber  DestinationCountry  DestinationZIPCode  NationalTax  NationalTaxIndicator  OrderDate  PurchaseIdentifier  ShipFromZIPC

An iVeri Distributor markets the services of the iVeri Gateway and products within a locality.3 South Africa specific: The Nedbank Merchant agreement allows for the acceptance of Visa and MasterCard credit cards only. A Merchant that wishes to accept Diners Club and American Express cards, will need to contact these organisations separately and enter into Merchant Agreements with them. On receipt of Merchant numbers from these organisations, the merchant must contact Nedbank Card Division and ask them to update their Nedbank Merchant profile to include Diners and American Express. Nedbank South Africa* Location South Africa Telephone 0860 114 966 Web sites http:// [1] www.iveri.co.za [2] http://www.nedbank.co.za Email Technical Assistance operations@iveri.com [3] Non-technical (i.e. produc