Either you are still utilising the test only account, or you have not yet requested your account to be switched into live mode. First, check the site reference you are sending to our system in your order page and change it to the right account if necessary; otherwise email [email protected] to request we switch your account into live mode.
Have you requested Secure Trading switch your account into live mode? You will need to email [email protected] with your site reference and request that we switch the account live. Please ensure that you have already provided us with your merchant ID before requesting to go live.
The ‘Payment Pages redirect system’ allows you to specify a URL for your customer to be redirected to following a transaction made on Payment Pages.
MyST users with the roles ‘site admin’, ‘Developer 1’ or ‘Developer 2’ can do this via a link on the left-hand side of the screen when they log in to MyST. An interface is providing for adding, modifying and deleting redirects. For further information, including screenshots, view section 11 in the MyST User Guide.
You may receive this message when using the live account site reference without any merchant numbers associated with it. In this example, you should use the test account instead until such time that a merchant number is provided.
You may also receive this message if you are attempting to process a card type or currency that your account is not set up for.
You can, but you will need to contact your acquiring bank to set up any additional currencies. You will also need to let our support team know of any new internet merchant IDs.
Secure Trading’s payment products have been successfully integrated with a number of shopping carts and can be configured to work with our payment system. You can see a list of these here and also download any relevant payment modules.
3-D Secure is like a chip and PIN for online purchases designed to protect the consumer and merchant by asking for a secret password and a personal message during the transaction process. Developed by Visa (Verified by Visa) and MasterCard (SecureCode) and used by most retailers, it has rapidly become a widely accepted standard.
From July 2008 MasterCard and Visa mandated SecureCode/VBV (3-D Secure), preventing merchants from accepting Maestro (formerly Switch) payments online legitimately after this time. Without 3-D Secure merchants will be breaking card scheme rules and could be liable to pay heavy fines.
In order to activate 3-D Secure on your account, you will first need to ensure that your merchant details are loaded in the Visa and MasterCard Directories. Please contact our support team regarding this. If this is the case, and your account is already in live mode, please email [email protected] to request we enable 3-D Secure for your account. If you are currently in test mode, 3-D Secure will automatically be switched live once you request your account to go live.
Commercial cards are covered by the Verified by Visa scheme, however, as of June 2009, MasterCard has reinstated an exclusion of commercial cards from the global interregional merchant-only MasterCard SecureCode liability shift program. However, in all cases regarding questions on liability shifts, we recommend that you speak to your acquirer.
Secure Trading believes the liability shift to be as follows:
* Important note: If the brand is Visa and enrolled or status is returned as a “U” (Unknown), it means that the merchant is not covered by the 3-D Secure scheme. In this case the merchant is still liable for any fraudulent transactions.
** Important note: There are some cases where the liability is not covered by the card issuer; for example some commercial cards under both brands. For more information please contact your acquirer.
*** Important note: In this case it is strongly recommended that the transaction does not proceed. This means the password entered did not match.
This is a high level overview of the liability shift. Please bear in mind we facilitate the process; we do not create or enforce the rules. If you are unsure of any transaction status that you may see, we would recommend that you contact your acquirer.
3-D Secure is like a Chip & PIN for online purchases designed to protect the consumer and merchant by asking a secret password and a personal message during the transaction process. Developed by Visa (Verified by Visa) and MasterCard (SecureCode) and used by most retailers, it has rapidly become a widely accepted standard.