2c2p standard payment feature payment authorization that accept multiple payment method such as card, wallets and internet banking payment. To know what are the supported payment method, refer to Payment Method
Tokenization or stored card feature is a method to replace sensitive data like credit card details with
non-sensitive data. Whenever card is stored in 2C2P system payment API returns card token to merchant. This card token can be used in subsequent payment request. This allows merchant to build shopping experience where customer don’t need to enter card information every time during checkout.
Using 2C2P Tokenization merchant does not require complex and time consuming PCI-DSS certification process. All the sensitive information is only at 2C2P with most advance security and PCI-DSS compliance.
The merchant initially send a payment token request with indicator to tokenize the card details.
In the payment response message 2C2P sends a random string of alphanumerical characters that represent the card details.
This Token can be stored in merchant database and can be used for later transactions. In subsequent payment request merchant does not require send card number at all. Stored card token presents card number what is sent in payment request.
Card tokenization without authorization is similar to card tokenization in term of functionally. The difference of card tokenization without authorization, there is no transaction authorization process involved.
Creating a token
When using this option, Merchant should ask for the card holder's consent to store the card details for future payment.
A follow-on payment request can use the cardToken as a replacement for the actual card number. You will still need to ask the user to enter the securityCode value as this item cannot be stored.
It is good practice to provide the masked pan (included in the initial response as pan) to the customer and implement a secured data entry to collect the CVV code as it cannot be stored.
The card holder can select the card he wants to use (if more then one) and add the CVC / CVV code in the selection screen. This code cannot be stored and will need to be added for a recurring transaction. You can use the same encrypted card detail setup to collect the CVC only.
It is then submitted with the relevant Token to the 2C2P payment service.
IPP payment option helps merchant to promote sales in their website especially for big ticket size items. Typically consumer electronics, travel packages and insurance is used for installment payments.
Card payments using the installment option will create a specific authorization with card issuer system and the transaction will be converted to an installment payment.
For cardholder the total amount is split into monthly payments of up to 12 months. The Merchant does receive transaction amount as one-time payment from 2C2P after the transaction is made.
Installment Payment Plan option list:
Installment Payment Plan options could be viewed from my2C2P dashboard under 'IPP Plans' or retrieved via Retrieve payment option details API.
RPP payment option allows merchant to charge customer in a specific interval or date without having to ask customer to re-enter their credit card information with RPP option.
Recurring payments are generated with normal payment request with additional indicator and additional recurring information. Recurring transaction will be processed by 2C2P backend system which doesn't require merchant or card holder intervention.
Merchant could modify recurring information such as the interval or date and the amount of the next recurring transaction via Recurring Payment Plan maintenance API.
The User Address For Payment for merchant able to adding customer's billing address information while payment submission.
Updated about 1 month ago