Developer's Guide
Table Of Contents
- Contents
- Introduction
- Downloading, Installing, and Activating
- Simple Payflow Transaction
- Credit Card Transactions
- Credit Card Features
- About Credit Card Processing
- Parameters Used in Credit Card Transactions
- Submitting Sale Transactions
- Submitting Authorization/Delayed Capture Transactions
- When To Use Authorization/Delayed Capture Transactions
- Required Authorization Transaction Parameters
- Typical Authorization Transaction Parameter String
- Required Delayed Capture Transaction Parameters
- Delayed Capture Transaction: Capturing Transactions for Lower Amounts
- Delayed Capture Transaction: Capturing Transactions for Higher Amounts
- Delayed Capture Transaction: Error Handling and Retransmittal
- Submitting Account Verifications With TRXTYPE=A
- Submitting Voice Authorization Transactions
- Submitting Credit Transactions
- Submitting Void Transactions
- Submitting Inquiry Transactions
- Recharging to the Same Credit Card (Reference Transactions)
- Submitting Card-Present (SWIPE) Transactions
- Submitting Purchasing Card Transactions
- Using Address Verification Service
- Processing Platforms Supporting Address Verification Service
- Example Address Verification Service Request Parameter List
- Example Address Verification Service Response
- Card Security Code Validation
- Credit Card Testing
- Responses to Transaction Requests
- Processors Requiring Additional Transaction Parameters
- Performing TeleCheck Electronic Check Transactions
- Submitting Purchasing Card Level 2 and Level 3 Transactions
- About Purchasing Cards
- About Program Levels
- About American Express Purchasing Card Transactions - Phoenix Processor
- American Express Phoenix Purchasing Card Transaction Processing
- First Data Merchant Services (FDMS) Nashville Purchasing Card Transaction Processing
- First Data Merchant Services (FDMS) North Purchasing Card Transaction Processing
- First Data Merchant Services South (FDMS) Purchasing Card Transaction Processing
- Global Payments - Central Purchasing Card Transaction Processing
- Global Payments - East Purchasing Card Transaction Processing
- Merchant e-Solutions Purchasing Card Transaction Processing
- Elavon (Formerly Nova) Purchasing Card Transaction Processing
- Paymentech Salem (New Hampshire) Purchasing Card Transaction Processing
- Paymentech Tampa Level 2 Purchasing Card Transaction Processing
- TSYS Acquiring Solutions Purchasing Card Transaction Processing
- VERBOSITY: Viewing Processor- Specific Transaction Results
- Additional Reporting Parameters
- ISO Country Codes
- Codes Used by FDMS South Only
- XMLPay
- Additional Processor Information
- Index
Payflow Pro Developer’s Guide 25
Credit Card Transactions
About Credit Card Processing
billing address on file for the consumer. Address verification service is described on page
“Using Address Verification Service” on page 44.
Card security code refers to a 3- or 4-digit number that appears on the back of most credit
cards. On American Express, the number appears above and to the right of the embossed
card number. Card security code is known by other names, such as CVV2, depending on
the type of card. If card security code data is submitted, the issuer can notify you whether
the number matches the number assigned to the card. Card security code is described on
page “Card Security Code Validation” on page 46.
It may also be possible to implement additional safeguards yourself or to use a fraud
service. You might want to discuss risk management with your Internet Merchant Account
provider.
z Store information in your local database or use PayPal Manager reports to manage the data.
You may want to store shipping information in your system, or you may prefer to send the
information to PayPal with the transaction and report on it later.
NOTE: PayPal recommends that you do not store credit card numbers. If you must store
numbers, encrypt and store them behind properly configured firewalls. You should
also consider whether and how to use the merchant-defined fields COMMENT1 and
COMMENT2 to help tie reports to your orders/customers or to report on other
information about the transaction.
z If or how you want to integrate with other systems, such as order fulfillment, customer
service, and so on. You may wish to connect these systems directly to Payflow Pro for
capturing funds, issuing refunds/credits, and so on. Alternatively, you may prefer to
perform these steps manually using PayPal Manager. Either way, PayPal recommends that
you monitor transaction activity using PayPal Manager.
z You may want to discuss, with your Internet Merchant Acquirer, practices that help you to
obtain the most advantageous rates.
Complying With the E-commerce Indicator (ECI)
Some processors support a software flag called E-commerce Indicator (ECI) that indicates that
the associated transaction is an internet transaction. Payflow Pro complies with ECI basic
requirements for all supported processors.
If you use the Buyer Authentication Service, then the ECI values reflects the Authentication
status. See Payflow Pro Fraud Protection Service User’s Guide on Developer Central.
Handling Credit Card Type Information
The Payflow SDK does not check the credit card types that you are accepting. If a customer
uses a card type that you are not signed up to accept, the Payflow SDK responds with RESULT
value 23, “Invalid account number,” or the processor returns a message that the customer is
not signed up for the card type. For details on RESULT values and response messages, see
“RESULT Values and RESPMSG Text” on page 56. Optionally, you can provide your