K-Payment Gateway (Merchant Integration Guide )

Transcription

1 K-Payment Gateway (Merchant Integration Guide ) Copyright 2006 KASIKORNBANK Public Company Limited

2 3 1: VbV/SecureCode Environment 4 2: K-Payment Gateway 6 3: Program Code K-Payment Gateway 7 4: 9 5: K-Payment Gateway Copyright 2008 KASIKORNBANK Public Company Limited 2

3 K-Payment Gateway ( ) K-Payment Gateway Verified by Visa (VbV), MasterCard SecureCode MPI (Merchant Plug-in) VISA International Service Association MasterCard International Incorporated K-Payment Gateway Re-Direct K-Payment Gateway Verified by Visa/ MasterCard SecureCode K-Payment Gateway Copyright 2008 KASIKORNBANK Public Company Limited 3

4 1: VbV/ MasterCard SecureCode Environment 1: Verified by VISA 1. (Check Out) 2. K-Payment Gateway 3. K-Payment Gateway MPI (Merchant Plug in) 4. MPI Visa Directory locate ACS (Access Control Server) 5. Visa Directory locates ACS server 6. MPI redirects ACS server URL Verified by VISA Password 7. Verified by VISA Password ACS generate ECI, CAVV and XID 8. MPI ECI, CAVV and XID. ECI = 5 (Fully authenticated) K-Payment Gateway Copyright 2008 KASIKORNBANK Public Company Limited 4

5 9. K-Payment Gateway comply ECI, CAVV and XID ISO8583 message credit card host 10. Credit card host VISA Net 11. VISA Net 12. VISA Net (Response code approval code) Credit Card Host 13. ISO message from Visa Net K-Payment Gateway 14. K-Payment Gateway ISO message 15. K-Payment Gateway 2: Verified by VISA 1. (Check Out) 2. K-Payment Gateway 3. K-Payment Gateway MPI (Merchant Plug in) 4. MPI Visa Directory locate ACS (Access Control Server) 5. Visa Directory locates ACS server Copyright 2008 KASIKORNBANK Public Company Limited 5

6 6. Visa Directory Verified by VISA N VBV VbV 7. MPI generates ECI and XID. ECI = 6 (Not enrolled) K-Payment Gateway 8. K-Payment Gateway compiles ECI XID ISO8583 message credit card host 9. Credit card host VISA Net 10. VISA Net 11. VISA Net (Response code approval code) Credit Card Host 12. ISO message from Visa Net K-Payment Gateway 13. K-Payment Gateway ISO message 14. K-Payment Gateway 2: K-Payment Gateway 1) K-Payment Gateway 2) a) Merchant ID 15 b) Terminal ID 8 c) User Name Password Login Online Merchant Report , , , ( - ) ( ) ecommerce@kasikornbank.com d) URL: Functions : - (Menu: Transaction Report) - (Menu: Search Transaction) Copyright 2008 KASIKORNBANK Public Company Limited 6

7 - (Menu: Settlement) - (Menu: Void) - (Menu: Report) - (Menu: Support) - Program Code Payment Gateway (Menu: Code Library) - Password Login Online Merchant Report, Download (Integration Guide) Online Merchant Report (Menu: Setting) 3) Program Code K-Payment Gateway Code Online Merchant Report Menu Code Library 4) URL: 3: Program Code K-Payment Gateway Program Code Online Merchant Report Menu Code Library Copyright 2008 KASIKORNBANK Public Company Limited 7

8 Program Code Program Code Merchant ID( ), Terminal ID ( ) RESPURL Code Code <form name="sendform" method="post" action=" <input type="hidden" id=merchant2 name=merchant2 value=" "> <input type="hidden" id=term2 name=term2 value=" "> <input type="hidden" id=amount2 name=amount2 value=" "> <input type="hidden" id=url2 name=url2 value=" <input type="hidden" id=respurl name=respurl value=" <input type="hidden" id=ipcust2 name=ipcust2 value=" "> <input type="hidden" id=detail2 name=detail2 value="electric Fan - Toshiba Model CM203"> <input type="hidden" id=invmerchant name=invmerchant value=" "> <input type="hidden" id=fillspace name=fillspace value="y"> (Optional) </form> </body> </html> Copyright 2008 KASIKORNBANK Public Company Limited 8

9 4: HTML Server K-Payment Gateway Server UNIX, Windows, Linux Real-time SSL System Trusted Certification Authorities (e.g. VeriSign, Entrust) Browser Internet Explorer version 5.0 NesCape Navigator Mozilla Firefox Copyright 2008 KASIKORNBANK Public Company Limited 9

10 5: K-Payment Gateway 1: K-Payment Gateway Copyright 2008 KASIKORNBANK Public Company Limited 10

11 1: (Check out) 2: Re-Direct K-Payment Gateway METHOD=POST No Variable Data Type Length Description Remark 1 MERCHANT2 Numeric 15 Merchant No. Issued by KBANK 2 TERM2 Numeric 8 Terminal ID Issued by KBANK 3 AMOUNT2 Numeric 12 Total amount of purchased order 4 URL2 Character 255 URL where cardholder will be re-directed to merchant s Web site and KBank returns variables to when cardholder clicks Go Back to Merchant Web site (Success page) or Continue (Reject page) 5 RESPURL Character 255 URL where KBank will send a variable PMGWRESP to merchant s server (Back Office) 6 IPCUST2 Numeric 15 IP address of merchant s server No decimal (multiple of 100) e.g. key in = or (must be supported- SSL) IP Address e.g DETAIL2 Character 30 Product Description Electric Fan Toshiba Model XYZ103 8 INVMERCHANT Numeric 12 Invoice No. Issued by Merchant (must be unique) 9 FILLSPACE (Optional) Character 1 Card type required? Y : Want to know the transaction s card type N : Do not want Copyright 2008 KASIKORNBANK Public Company Limited 11

12 <form name="sendform" method="post" action=" <input type="hidden" id=merchant2 name=merchant2 value=" "> <input type="hidden" id=term2 name=term2 value=" "> <input type="hidden" id=amount2 name=amount2 value=" "> <input type="hidden" id=url2 name=url2 value=" <input type="hidden" id=respurl name=respurl value=" <input type="hidden" id=ipcust2 name=ipcust2 value=" "> <input type="hidden" id=detail2 name=detail2 value="electric Fan - Toshiba Model CM203"> <input type="hidden" id=invmerchant name=invmerchant value=" "> <input type="hidden" id=fillspace name=fillspace value="y"> (Optional) </form> </body> </html>, CVV2/ CVC2,,, PAY NOW Copyright 2008 KASIKORNBANK Public Company Limited 12

13 3: K-Payment Gateway MPI (Merchant Plug-In) Verified by Visa MasterCard SecureCode MPI Visa Directory Server MasterCard Directory Server Verified by Visa/ MasterCard SecureCode Verified by VISA/ MasterCard SecureCode Password Copyright 2008 KASIKORNBANK Public Company Limited 13

14 4: K-Payment Gateway Credit Card Host VISANET/ MasterCard BANKNET 5: K-Payment Gateway : Copyright 2008 KASIKORNBANK Public Company Limited 14

15 : Pay Again 3 (Invoice No. ) Go Back to Merchant Website ( ) Continue ( ) Redirect URL ( 2 - URL2 ) Method Post Copyright 2008 KASIKORNBANK Public Company Limited 15

16 No Variable Data Type Length Description Remark 1 HOSTRESP Numeric 2 Response Code 00 = Approved, 01/ others = Not Approved 2 RESERVED1 Character 12 Kbank s reserved variable Reserved (eg. XXXXXXXXXXXX) 3 AUTHCODE Character 6 Authorize Code In case of approved response 4 RETURNINV Character 12 Invoice No RESERVED2 Character 36 Kbank s reserved variable Reserved (eg. XXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXX) 6 CARDNUMBER Character 16 First 4 and Last 4 of Credit Card Number 4234XXXXXXXX AMOUNT Numeric 12 Transaction amount sent to host (2-digit Decimal) * JPY: no decimal 8 THBAMOUNT (DCC Transaction) Numeric 12 Amount that merchant posts on Web site (2-digit decimal) Example in Active Server Page (VBScript): HostResp = Request.Form("HOSTRESP") show the customer approval list 00 = approved 01 = not approved e.g = USD = JPY In case of cardholder chooses THB currency, this field will be XXXXXXXXXXXX 9 CURISO Numeric 3 Transaction currency e.g 764=Baht/ 840 = USD/ 036 = AUD/978 =EUR/ 392=JPY/ 826 =GBP/ 554 =NZD/ 344=HKD/ SGD=702/ CHF= FXRATE (DCC Transaction) Numeric 12 Exchange rate of transaction (4- digit decimal) 11 FILLSPACE Character 20 Type of Card (if FILLSPACE variable set to Y ) e.g = In case of cardholder chooses THB currency, this field will be XXXXXXXXXXXX VISACARDXXXXXX HostRef = Request.Form("REFCODE") reference no. from KBANK HostAuth = Request.Form("AUTHCODE") authorized code from KBANK Credit card type used by the customer. KBANK will only send this value to the merchant, if the Step 4 of FILLSPACE variable set to Y Copyright 2008 KASIKORNBANK Public Company Limited 16

17 MCC HOSTRESP=00&RESERVED1=XXXXXXXXXXXX&AUTHCODE=000002&RETURNINV= &RE SERVED2=XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX&CARDNUMBER=4072XXXXXXXX4249&AM OUNT= &THBAMOUNT=XXXXXXXXXXXX&CURISO=764&FXRATE=XXXXXXXXXXXX&FILL SPACE=VISACARDXXXXXXXXXXXX HOSTRESP=00 RESERVED1=XXXXXXXXXXXX AUTHCODE= RETURNINV= RESERVED2=XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX CARDNUMBER=4072XXXXXXXX4249 AMOUNT= THBAMOUNT=XXXXXXXXXXXX CURISO=764 FXRATE=XXXXXXXXXXXX FILLSPACE=VISACARDXXXXXXXXXXXX DCC HOSTRESP=00& RESERVED1=XXXXXXXXXXXX&AUTHCODE=000002&RETURNINV= & RESERVED2=XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX&CARDNUMBER=4072XXXXXXXX4249 &AMOUNT= &THBAMOUNT= &CURISO=036&FXRATE= &FIL LSPACE=VISACARDXXXXXXXXXXXX HOSTRESP=00 RESERVED1=XXXXXXXXXXXX AUTHCODE= RETURNINV= RESERVED2=XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX CARDNUMBER=4072XXXXXXXX4249 AMOUNT= => TXN AMT 2-digit decimal THBAMOUNT= => THB AMT 2-digit decimal CURISO=036 FXRATE= => FX rate 4-digit decimal FILLSPACE=VISACARDXXXXXXXXXXXX Copyright 2008 KASIKORNBANK Public Company Limited 17

18 Real-time Real-time "PMGWRESP" ( 2 - RESPURL ) Method POST : a) Real-time SSL SSL b) URL IP menu Support Merchant Reporting ( Sr.No Field Name Type Length Position Description Remark 1 Response Code Numeric 2 1 Result from ISSUER 00 = Approved, 01/ others = Not Approved 2 Reserved1 Character 12 3 Kbank s reserved variable Reserved (i.e. XXXXXXXXXXXX) 3 Authorize Character 6 15 Authorized Number from KBANK 4 Reserved2 Character Kbank s reserved variable In case of approved response Reserved (i.e XXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXX) 5 Invoice no. Numeric Invoice no. The same value of INVMERCHANT 6 Timestamp Character Transaction date and time e.g TransAmount Numeric Transaction amount sent to host (2-digit Decimal) * JPY: no decimal e.g = USD = JPY 8 Reserved3 Character Kbank s reserved variable Reserved (i.e XXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXX) 9 Card Type Character Card Type VISACARDXXXXXXXXXXX 10 Reserved4 Character Kbank s reserved variable Reserved (eg. XXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXX) 11 THB Amount Numeric For DCC Transaction only, Amount that merchant posts on Web site (2-digit decimal) In case of cardholder chooses THB currency, this field will be XXXXXXXXXXXX Copyright 2008 KASIKORNBANK Public Company Limited 18

19 Sr.No Field Name Type Length Position Description Remark 12 TransCurrency Numeric Foreign currency e.g 764=Baht/ 840 = USD/ 036 = (ISO) AUD/978 =EUR/ 392=JPY/ 826 =GBP/ 554 =NZD/ 344=HKD/ SGD=702/ CHF= FXRate (DCC Transaction) Numeric For DCC Transaction only, Exchange rate of transaction (4-digit decimal) 222 e.g = In case of cardholder chooses THB currency, this field will be XXXXXXXXXXXX PMGWRESP=00XXXXXXXXXXXX000002XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXVISACARDXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX PMGWRESP=01XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXMASTERCARDX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX 6: K-Payment Gateway Support Team , , , ( - ) ( ) ecommerce@kasikornbank.com Copyright 2008 KASIKORNBANK Public Company Limited 19

20 SSL Secure Socket Layer Protocol Internet Real- Time SSL SSL Real-time SSL System SSL 1. Verisign: 2. SSL-Certificates: 3. Digicert: 4. Geotrust: 5. Quality SSL: Copyright 2008 KASIKORNBANK Public Company Limited 20