My payment page is not displaying any card types.

The card types that display on your payment page are taken dynamically from the merchant number enabled on your account. If you have not provided us with a merchant number for the currency and payment type in your request, then no card types will be displayed. Please contact Secure Trading Support.

How do I customise my payment pages?

You can customise the look of your form page (including adding logos etc) by utilising our CSS files. You can either use one of our premade templates, or you can take our template and completely customise this / create your own CSS from scratch.

For more information (and for a copy of our CSS template files), please refer to the Payment Pages Setup Guide.

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 Merchant*
MasterCard N Card Issuer**
MasterCard Y Y Card Issuer**
MasterCard Y N Merchant***
MasterCard Y A Card Issuer**
MasterCard Y U Merchant*

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.

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.

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.

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.

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.

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.

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.

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.