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Excerpt
nameSet and Config Intro

The Setting and Configuration tab allows you to set up payment options and manage the URLs needed to make your payment page fully functional.

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Apple Pay

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nameApple Pay

The Apple Pay offers a way for customers to make payments quickly and securely by saving payment methods to the Apple service. When a customer makes a purchase on your website, they are present with the saved payment options. They can then chose the payment option to use and complete the transaction.

Adding a Payment Card to Apple Wallet

When a customer creates an Apple Wallet account, payment methods must be added to wallet to make purchases. The diagram below shows the process which enables a payment method in Apple Wallet.

  1. Customer adds a payment card to Apple Wallet.

  2. Apple Wallet adds the device primary account number (DPAN) and personal details to the Apple Pay server.

  3. Apple Pay registers the DPAN and person details with the Issuer Bank.

  4. The Issuer Bank generates the Payment Token, Payment Token Key, and CVV Key and sends it to Apple Pay.

  5. Apple Pay generates the DPAN and provides the Payment Token Key, and CVV Key to Apple Wallet.

Making a Purchase using Apple Pay

Once payment methods have been added to Apple Pay, the method can be used to make purchases from Apple Pay compliant merchants. The diagram below shows the transaction processing when a purchase is made using Apple Pay.

  1. Apple Wallet verifies the customer identity and sends the DPAN and the Dynamic Cryptogram to the Merchant.

  2. The Merchant provides the Payment Token to MerchantE.

  3. MerchantE sends the DPAN and Dynamic Cryptogram to the Issuer Bank.

  4. The Issuer Bank verifies the transaction.

  5. The transaction verification is sent to MerchantE.

  6. The Merchant receives the verification and completes the transaction.

  7. Apple Wallet is notified of the approved transaction.

When a user purchases goods or services from your website, PassKit (mobile) or Apple Pay JS (Safari) determines they are using a qualified device. If they are using a qualified device, the Apple Pay button will appear as one of the payment options.

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Note: The Apple Pay button will only be displayed if using an approved Apple device or the Safari browser.

 If the customer selects Apple Pay as the payment method, they are immediately presented with the Payment Sheet. The Payment Sheet will present the customer with their stored payment options. This includes the card payment option and address.

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Note: If no payment options are available, the customer will be directed to set up an Apple Pay account with stored payment options.

Once the customer has selected a payment option and authorizes the request using a linked device, a payment request is created. If authorization succeeds, a payment object is generated. The payment object contains all the customer data and the payment token.

The payment token is then decrypted by the MerchantE Payment Gateway. The decrypted payment token contains:

  • Device specific authorization number (DPAN)

  • Payment amount

  • One-time-use cryptogram

The contents of the decrypted payment token are then sent to the card issuer to complete the payment.

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Excerpt
nameCustom Amount

The Custom Amount setting controls whether the customer will be able to enter an amount for the transaction or if the amount will be populated and locked by the merchant.

  • When this feature is enabled, the merchant is giving the customer the ability to enter their payment amount.

  • When the feature is disabled, the merchant is specifying the payment amount.

Note

Caution: When this feature is ON, the payment amount entered must be the total amount. Hosted Payments processes the exact amount entered in the field. It will not add shipping charges, taxes, or any other incremental fees.

Surcharging

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nameHPP Surcharging
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A payment card surcharge, also known as a checkout fee, is an additional percentage-based fee that a merchant adds to a transaction when a credit card is used for payment. You can add surcharges to credit card payments to offset the cost of processing the transaction. Surcharges are only valid for credit card transactions and cannot be applied to debit cards, prepaid cards, or ACH transactions.

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As of April 2023, the maximum surcharge rate is 3%. This rate must be set in the MerchantE Business Portal.

Initiating Surcharges:

  • The card brand must be notified 30 days in advance of beginning the surcharge. Consult the surcharge rules for each card brand accepted. On the registration forms, it is important that you list:

    • “MerchantE” as the “Acquirer/Payment Service Provider”

    • “Brand” as the “Type of Surcharge.”

  • Some states prohibit surcharging. Consult your legal counsel to ensure that you are in compliance with relevant state laws. The table shows states and US territories where surcharging is prohibited or prohibited but unenforceable due to pending litigation (October 2022).

Surcharge Prohibited

Pending Litigation

Connecticut (CT)

Massachusetts (MA)

Puerto Rico (PR)

California (CA)

Kansas (KS)

Maine (ME)

New York (NY)

Oklahoma (OK)

Texas (TX)

 

Recurring Payments

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nameRecurring Payments

The Recurring Payment setting enables you to offer your customers the option to set up recurring payments. When this feature is enabled, you can establish whether your customers can select their preferred frequency, or you can limit the frequency options to only one (or a limited section of frequencies). Select one or more of the boxes to enable: weekly, bi-weekly, and monthly.

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