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- Orders above a set threshold amount by guest users and registered Users or Customers (which one depends on your settings) whenever a new credit card is used are placed on hold 'pending'.
- The card is not charged the order total but a randomly-generated amount under it (within the maximum undercharge limit set). (Note - The legacy 'split charge' method is also available but is no longer supported by Commerce Vision.)
- The buyer receives an 'order pending' confirmation email, which includes instructions on how to verify the card.
- The buyer checks the actual charged amount(s) in their credit card account and returns to your site to enter it in the verification page.
- If verification is successful, the system will release the order for fulfilment, and if not, cancel it.
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When Credit Card Verification is turned on, the menu item Orders → Credit Card Verification appears in the CMS. Click on it to view the list of orders flagged for verification and their current statuses.
Orders processed through the verification check have one of three statuses at any time:
- Completed - verification was successfully completed and the order has progressed to the fulfilment process,
- Pending - verification is in progress and order is on 'hold',
- Cancelled - verification was unsuccessful and order has been cancelled.
An order awaiting credit card verification will have has the status 'Pending'.
To view an order's details including the Split Charge or Short Charge amountsactual charged amounts and access verification management functions, click on More Info.
Resend credit card verification email to Customer
This function is available only if 'Enable Immediate Order Integration' mode is OFF. If the customer enquires after their order and requires the email asking them to verify the amounts'pending order' email with a link to the verification page, you can resend the email to them by clicking Resend Email.
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Retrieve verification page link for a 'pending' order
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If the customer was unable to validate the credit card via the link but was able to confirm card ownership another way, an authorised CMS user can manually release the 'pending' order for further processing by clicking the Release button.
Enter .
- In the Order list, find the order.
- Click the Release button for the order.
- In the Credit Card Order - Release popup box, enter the reason for the release and click Confirm.
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The order is released for further processing and the customer will receive an order confirmation email. Any other orders pending on verification of the same credit card will also be released.
The Credit Card Verification process - from your customers' perspective
Let's say a new user or customer registers on your site and makes a purchase. At the 'Checkout' page, they must check the box to acknowledge that their credit card payment may be selected for additional security verification.
- As this As this is the first time the customer has purchased something on your site, their credit card is unverified. In the order confirmation Confirmation page, the system will advise them that the order is 'pending'.
The system will
alsosend
themthe customer an '
order pendingOrder Pending' email, which also has
thea link to
validate the order.Clicking on the link in the Confirmation page or the email takes the customer to the Credit Card Validation the verification page.
he charged amount(s) the customer needs for verification will appear in their credit card's transactions. If your site uses Split Charge, there will be two separate charges and either charge can be entered for verification. If your site uses Short Change, there is a single charge.
- If your site is not using the If 'immediate integration' optionmode is OFF, the customer will receive the email immediately after order submission. They can verify ownership of the card straightaway if they have access to the amount chargedas soon as they know the charged amount.
- If your site is using the 'immediate integration' optionmode is ON, the customer has to wait will not receive the email until the order has been integrated to the ERP. At that point, the system will send them the 'order pending' email and they can verify their credit card.
TInfo title What happens if the customer tries to verify before the integration is complete? If the customer clicks on the link attempts to access the verification page before order integration is finished, they will see a message informing them the order has not been confirmed and to try again later. You can always tell your customer to wait for the 'order pending' email before attempting to verify.
. You can always tell your customer to wait for the 'order pending' email before attempting to verify.
- Once the customer knows the charge amount(s), they can proceed to enter the amounts by clicking the link on your site or through the email.or through the email. (The charged amount(s) the customer needs for verification will appear in their credit card's transactions.)
- If the If the amount entered is correct, the customer sees the message that verification is successfulcomplete. The system releases the order and its verification status changes to 'Completed'. The customer will receive an order confirmation email.
- If Split Charge is used, the email will contain the two charges totalling the payment amount. The Cash Receipt below displays a successful Split Charge verified payment.
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- . The customer receives an order confirmation email.
What if the customer/user fails credit card verification?
- Each time the customer/user enters an amount that does not match a charge for the order, the system will display displays a 'failed' message. The number of allowed attempts is set in 'Attempts Allowed'.
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2 (i) On the final failed attempt, the system will advise them that the number of verification attempts have been reached.
(ii) The For the 'immediate integration OFF' mode, the system will also email the address entered in 'Notification Email' (in Credit Card Verification Feature Settings) of the failed verificationverifications and order cancellation.
(iii) For security reasons, a CMS administrator cannot release an order that has failed verification.
Note The credit card is charged at the time of purchase. Therefore, if verification fails, then the customer or user Therefore, if an order is abandoned (not verified and not cancelled), the customer must engage with the credit the credit card merchant to merchant to organise a refund to the nominated credit card if they abandon an order.
Additional information
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Minimum Version Requirements |
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Prerequisites |
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Self Configurable |
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BPD Only? |
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B2B/B2C/Both |
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Ballpark Hours From CV (if opting for CV to complete self config component) |
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Ballpark Hours From CV (in addition to any self config required) |
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