General

I am seeing AUTH CODE: TEST when processing payments.

Why is no money being paid into my bank account? I put my website “Live” a week ago.

How do I set up a redirect?

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.

I’m getting the following error “No account found” what might cause this?

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.

Can I accept multiple currencies on my site?

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.

Which shopping carts can I use with Secure Trading?

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.

What is 3-D Secure?

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.

Is 3-D Secure mandatory?

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.

How do I activate 3-D Secure on my account?

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.

Are commercial cards covered by 3-D Secure?

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.

What is the liability shift for 3-D Secure?

Secure Trading believes the liability shift to be as follows:

Brand Enrolled Status Liability
Visa U Merchant*
Visa N Card Issuer**
Visa Y Y Card Issuer**
Visa Y N Merchant***
Visa Y A Card Issuer**
Visa Y U Merchant
MasterCard U Card Issuer**
MasterCard N Card Issuer**
MasterCard Y Y Card Issuer**
MasterCard Y N Merchant***
MasterCard Y A Card Issuer**
MasterCard Y U Card Issuer**

Y= Yes
A= an attempt on something did not work with the communication
N= No
U= Unknown

* 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.

What is 3-D Secure?

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.