Callback Guide. A step by step guide to integrating Callback with your website. All the information you need to confirm Nochex payments.
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- Jewel Beatrice Jenkins
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1 Callback Guide A step by step guide t integrating Callback with yur website. All the infrmatin yu need t cnfirm Nchex payments. IMPORTANT Custmers are always recmmended t back up their cde befre making any significant changes, such as the nes detailed in this dcument. **Please Nte** Versin 1.1 Updated 24 th August 2017 This guide is nt intended t teach hw server-side language wrk, it is assumed that yu already have an understanding f server-side language prgramming (fr example ASP/PHP). If yu d nt have this experience we strngly recmmend that yu cntact yur web develper t make the changes yu wish.
2 Table f Cntents: Intrductin t Nchex and Callback... 2 Abut Nchex... 2 Intrductin t Callback... 2 What is Callback?... 2 Callback Listener... 3 Callback Listener... 3 Creating a Listener... 3 Setting up Call back URL/ Respnder URL... 4 Callback Step-by-Step... 5 Hw Callback wrks... 5 Callback Diagram... 7 Callback Variables... 8 Example Cde Testing Callback Debugging Callback Callback Trubleshting Tips DECLINED Message N Message Received Autmatic Payment Cnfirmatin 1
3 Intrductin t Nchex and Callback Abut Nchex Nchex is a UK based, independently-wned prvider f secure nline payment slutins. Established in 1999, the cmpany s payment system is nw installed n thusands f websites and integrated int a significant number f sftware packages. Nchex accunt hlders can accept e-mney nline payments withut the need fr an expensive internet merchant bank accunt r payment gateway. By replacing tw cstly services with an all-inne e-mney accunt, backed up by friendly and respnsive custmer services, Nchex custmers can put all their effrts int building their nline businesses. The Nchex system allws accunt hlders t accept the fllwing credit and debit cards: Intrductin t Callback Once yur Nchex Payment Page is up and running yu may wish t add further integratin between Nchex and yur website. With Callback this is pssible; this allws yu t integrate yur Nchex payments with yur back-end peratins. S yu will get immediate cnfirmatin and authenticatin f the Nchex payments yu receive. Using Callback ffers a wide range f extra functinality, such as Prcess yur custmers payments in real time Give immediate feedback t yur custmers Stre yur Nchex payments in yur wn database Ideal fr nline prducts, such as website membership Callback can be integrated int the Nchex payment system s yu dn t have t lg int the Nchex system t cnfirm that payments have been made. Yur custmers will als benefit frm Callback as they will get an immediate respnse t the rder they have placed in additin t the Nchex transactin . What is Callback? Callback cnfirms and authenticates any payment that is made int yur accunt by cmmunicating with yur server. T start using Callback yu are first required t create a listener, the fllwing infrmatin explains what a listener exactly is and hw t implement ne. Autmatic Payment Cnfirmatin 2
4 Callback Listener Callback Listener T detect and prcess Callback respnses yu will require a listener, this is script r cde that will wait fr a Callback respnse. After yur listener has received a respnse it is required t send the same infrmatin back t the Nchex server t cnfirm the details are matching. Once these checks have been made and yu knw the transactin has been successful yu can carry ut varius actins such as: Update rder status e.g. Prcessing t Paid. Update list f custmer details Enable custmers t dwnlad media e.g. purchasing an ebk Yur Callback listener can be written in any scripting language r prgramming language yu chse, example cde that culd be used is included in this dcument. T enable the Callback listener yu will need t hst it n yur web server and enter the URL int the Call back URL field within the Payment Page Setup, fr further details n hw t achieve this fllw the instructins belw. Creating a Listener Yu can write yur Callback listener in any prgramming r scripting language yu wish, hwever belw is what functinality must be included when creating yur Callback listener: 1. Wait fr an HTTP POST frm the Nchex server. 2. Once received, cnstruct a HTTP POST t Nchex with all the frm variables yu received exactly as yu received them. Yur POST shuld be sent t: 3. Wait fr respnse frm Nchex server either AUTHORISED r DECLINED. 4. If the respnse is AUTHORISED, yu need t d the fllwing checks: Check the transactin_id against the previus Nchex transactin yu have prcessed t ensure it is nt a duplicate. Make sure the t_ is the address registered in yur Nchex accunt Check that the amunt, transactin date and ther variables match the transactin n yur website. Once yu have cmpleted the abve checks, yu may update yur database based n the infrmatin prvided. 5. After all checks have been carried ut and yu have cnfirmed they are valid details, carry ut any further actins yu wish. 6. If yu received a DECLINED ntificatin, it shuld be treated as suspicius and investigated. Autmatic Payment Cnfirmatin 3
5 Setting up Call back URL/ Respnder URL After yu have lgged in t yur Nchex accunt, fllw these instructins t setup yur Call back URL: 1. Click Payment Page Setup, frm the Cntrl Panel. 2. Specify the URL fr yur listener in the Call back URL field. Yu can als set up the call back URL within the HTML frm POST t Nchex using the belw parameter. Parameter Name callback_url Descriptin The URL that Nchex will send a ntificatin t nce a payment is made. Frm Example <frm methd="post" actin=" <input type="hidden" name="merchant_id" value="yurmerchantid"> <input type="hidden" name="amunt" value="55.60"> <input type="hidden" name="callback_url" value=" <input type="submit" value="pay n Credit r Debit Card with Nchex" </frm> Autmatic Payment Cnfirmatin 4
6 Callback Step-by-Step Hw Callback wrks 1. A custmer visits yur website and decides t use the Nchex payment ptin. 2. The custmer is then directed t the Nchex payment page where they enter their details and make a payment. Autmatic Payment Cnfirmatin 5
7 3. After the custmer has cnfirmed the payment, they are then directed t the Nchex cnfirmatin page: 4. Once the payment has been made, the Nchex server will pst a cnfirmatin t yur callback listener. The cnfirmatin includes the infrmatin abut the transactin, such as the custmer s address, the amunt paid as well as a security key unique t that transactin. 5. Once yur server receives the cnfirmatin, the callback listener shuld return all f the infrmatin psted t yu t the Nchex callback authenticatin page including the unique security key t ensure it is the same transactin. 6. The Nchex authenticatin page will then respnd t yur server with an AUTHORISED r DECLINED message. 7. When yur server receives the AUTHORISED respnse, yu shuld check the details t make sure that the amunt and address match t thse that were sent. Hwever if a DECLINED respnse is received it shuld be treated as suspicius and investigated. 8. Once yu have checked all the relevant data yu can update yur database r carry ut any ther actins yu wish and then cntinue with the purchase prcess. Autmatic Payment Cnfirmatin 6
8 Callback Diagram Legend: The red arrws shw the custmer s experience, they just see the immediate effects. They will see the updated webpage after Callback has been successful, if yu have a success URL, this will be displayed. The blue arrw shws the Callback tken and what rute it takes rund the system. Steps: 1 A custmer visits yur website. 2 Yur custmer decides t pay using Nchex, which yu have integrated int yur 3 Once yur custmer has entered all their details they will be sent t the Nchex The details yu received are then psted back t the Nchex server using yur Callback listener. The Nchex server will then send an Callback respnse t yur Callback listener with either an AUTHORISED r DECLINED respnse; fr the purpse f this diagram we assume it was the AUTHORISED respnse. Yu can implement varius ptinal actins within yur Callback listener, sme f which include; sending an with the Callback respnse t yur address and updating yur database r recrds. After the ptinal actins and checking f details are cmplete yu can then update yur website, either t shw a success URL r the current status f yur custmer s rder. Autmatic Payment Cnfirmatin 7
9 Callback Variables Variable Value Descriptin transactin_date Transactin specific Date/time stamp f transactin. transactin_id Transactin specific Unique cde generated t distinguish transactins. security_key Transactin specific System generated key (fr Nchex use). amunt Transactin specific Amunt received int Nchex accunt after charges. (same as net amunt) grss_amunt Transactin specific Full amunt f the custmers payment rder_id Transactin specific Transactin specific cde, rder id as passed by yu, the merchant. Yur custmer is nt able t view r edit this. It must be unique per transactin. merchant_id Transactin specific Merchant Alias f the payment recipient. _address Transactin specific address f the payment sender. pstage Transactin specific Pstage amunt fr transactin insurance Transactin specific Insurance amunt fr transactin ptinal_1 Transactin specific Optinal field submitted by merchant ptinal_2 Transactin specific Optinal field submitted by merchant ptinal_3 Transactin specific Optinal field submitted by merchant ptinal_4 Transactin specific Optinal field submitted by merchant ptinal_5 Transactin specific Optinal field submitted by merchant transactin_status 0=Live, 100=test Used t distinguish a test transactin where n mney has been sent, frm a live transactin where mney has been sent. billing_fullname Transactin specific Billing name f custmer billing_address Transactin specific Billing address f custmer billing_pstcde Transactin specific Billing pstcde f custmer delivery_fullname Transactin specific Custmer Delivery name delivery_address Transactin specific Custmer Delivery address delivery_pstcde Transactin specific custmer delivery pstcde custmer_phne_number Transactin specific custmer phne number cnsumer_message Transactin specific custmer message entered n payment page ip_address Transactin specific Ipaddress f custmer ip_cuntry Transactin specific Cuntry IP address based in card_cuntry Transactin specific Cuntry debit / credit card issued card_address_check card_pstcde_check Nt Checked, Failed, Nt Available, Passed Nt Checked, Failed, Nt Available, Passed Address verificatin result. NtChecked = AVS Check Bypassed, Failed = Address nt match, Passed = Address match, Nt Available = AVS nt available fr card Address verificatin result. NtChecked = AVS Check Bypassed, Failed = pstcde nt match, Passed = pstecde match, Autmatic Payment Cnfirmatin 8
10 Nt Available = AVS nt available fr card card_security_cde 3d_secure_validatin_check Nt Checked, Failed, Nt Available, Passed Fully Authenticated, Authenticatin Attempted, N Authenticatin Attempted CVV2 result. NtChecked = AVS Check Bypassed, Failed = CVV2 nt match, Passed = CVV2 match, Nt Available = CVV2 check unavailable fr card 3D Secure result. Fully Authenticated = 3DS Full Pass, Authenticatin Attempted = Attempted 3DS Check,N Authenticatin Attempted = 3DS check bypassed net_amunt Transactin specific Amunt received int Nchex accunt after charges. (same as amunt) charge Transactin specific Nchex charge fr transactin These are the variables that will be prcessed between yur server and the Nchex server. It is imprtant that every variable is passed t the Nchex server exactly as it was received. Autmatic Payment Cnfirmatin 9
11 Example Cde T dwnlad cde samples f callback handlers simply fllw the belw links. There are PHP, ASP and.net examples available. - ASP Example - C# Example - CURL Example - PHP Example - VB Example Autmatic Payment Cnfirmatin 10
12 Testing Callback T test yur Callback file simply create a HTML POST t Nchex and include the parameter "callback_url" with the value f where yur Callback handler is stred. Lk at the belw cde t get an idea f hw t implement the test. Change <yurmerchantid> t yur Nchex address/merchant ID and <yurcallbackurl> t the lcatin f yur Callback handler. Ensure that a mail/debug functin is present in yur Callback handler s after yu have cmpleted a test transactin yu will be infrmed whether Callback has been successful r nt. <frm methd="post" actin=" <input type="hidden" name="merchant_id" value"<yurmerchantid>"/> <input type="hidden" name="amunt" value"1.00"/> <input type="hidden" name="test_transactin" value"100"/> <input type="hidden" name="callback_url" value"<yurcallbackurl>"/> </frm> Yu can als cmplete a test transactin frm yur Nchex cntrl panel. Just fllw these steps: 1. Lgin t yur Nchex accunt 2. At the cntrl panel select Payments Page Setup (nly available if yu have a merchant accunt) 3. Enter yur callback handler URL in the Call back URL field and click Save Changes 4. Click the Test Transactin buttn at the bttm f the page and cmplete a test transactin 5. Yur callback handler cde shuld cntain a mail/debug functin s after a callback respnse is btained yu knw the result Autmatic Payment Cnfirmatin 11
13 Debugging Callback If Callback desn t wrk crrectly there is a handy methd f debugging yur cde. Add a mail functin within yur cde that sends an t yu at different places within the cde. Firstly have ne that s yu right at the beginning f the cde s yu knw fr sure that the file is actually being called. Then have an functin sending the variables as this enables yu t check at certain intervals in yur cde, whether r nt the right infrmatin is being stred and are being sent crrectly. Belw is a PHP cde example implementing the mail functin in tw different places and as always when a declined respnse is received an is sent with the debug details: <?php // Payment cnfirmatin frm http pst $yur_ = 'yu@dmain.cm'; // yur merchant accunt address mail($yur_ , "Callback", "Being called?"); functin http_pst($server, $prt, $url, $vars) {.... } $respnse = http_pst(" $_POST); // stres the respnse frm the Nchex server $debug = "IP -> ". $_SERVER['REMOTE_ADDR']."\r\n\r\nPOST DATA:\r\n"; freach($_post as $Index => $Value) $debug.= "$Index -> $Value\r\n"; $debug.= "\r\nresponse:\r\n$respnse"; mail($yur_ , "Callback", $debug); if (!strstr($respnse, "AUTHORISED")) { // searches respnse t see if AUTHORISED is present if it isn t a failure message is displayed $msg = "Callback was nt AUTHORISED.\r\n\r\n$debug"; // displays debug message } else { $msg = "Callback was AUTHORISED."; // if AUTHORISED was fund in the respnse then it was successful // whatever else yu want t d } mail($yur_ , "Callback Debug", $msg); // sends an explaining whether Callback was successful r nt, the subject will be Callback Debug but yu can change this t whatever yu want.?> Autmatic Payment Cnfirmatin 12
14 Callback Trubleshting Tips DECLINED Message If yu receive a DECLINED respnse: G back and carefully check yur cde, make sure that each variable is passed t the Nchex server withut changing them at all. Ensure that yu are psting the infrmatin t the right URL, N Message Received If yur Callback listener/script desn t send an t yu when it shuld: Make sure yu have Callback enabled by cntacting us. Check that the Callback listener is actually being called by creating a test script as shwn n page 15, if by ding this yu receive an yu can cnclude that it is a prblem with yur Callback listener cde. Check yur cde carefully t ensure the right address is being used. Check that yur firewall settings aren t blcking the HTTP POST messages frm Nchex. Lk back at this guide and the examples in it, try t use these examples and expand n them as they are all wrking examples Autmatic Payment Cnfirmatin 13
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