CreditPass is a third party Fraud Detection provider that can be accessed via the Ingenico Platform.
Its system provides access to several credit information agencies/bureaus in Germany, to check credit-worthiness and account, personal and address details, etc.
The merchant can have several checks performed, based on specific criteria configured in his creditPass account.
Not all checks available at creditPass can be performed via the Ingenico integration. It is only possible to run checks which are performed online.
Ingenico only acts as a technical gateway by forwarding data to creditPass in order to have it checked, and by returning the result of the check performed by creditPass to the Merchant. Ingenico cannot be held liable for the result of the check performed by creditPass.
In order to use creditPass via Ingenico, you need to have the ELV payment method configured. The configuration cannot be done by yourself. We invite you to contact our Customer Care department in order to configure your account.
2. Technical integration
2.1 Hosted Payment Page and DirectLink
The following fields should be sent with each transaction:
|CIVILITY||5||Title (Frau, Fr., Herr, Hr.)|
|ECOM_SHIPTO_DOB||10||Date of birth, in format dd/mm/yyyy|
|ECOM_SHIPTO_POSTAL_STREET_LINE1||35||Delivery address line 1|
|ECOM_SHIPTO_POSTAL_STREET_LINE2||35||Delevery address line 2|
|ECOM_SHIPTO_POSTAL_STREET_NUMBER||10||Delivery street number|
|ECOM_SHIPTO_POSTAL_NAME_FIRST||10||Delivery postal code|
2 -letter ISO -3166-1 code (DE, BE, FR, etc.)
More information about these fields can be found in your Ingenico account. Just log in and go to: Support > Integration & user manuals > Technical guides > Parameter Cookbook.
WARNING: Do not forget to include these parameters in your SHA signature. For more information about SHA, please see our Hosted Payment Page and/or DirectLink integration
In the e-Terminal screen, various additional address fields are displayed. For creditPass validation, you only need to enter invoice address details.
2.3 Transaction feedback
A check with creditPass will result in a score, as well as a recommendation, which can have one of the following values:
|0 : authorised|
|1 : not authorised|
|2 : check manual|
|-1 : no answer|
If the transaction is considered to be fraudulent, it will be refused and have the status "2 - Refused"; the merchant cannot determine dynamic behaviour based on the score returned by creditPass.
This information is contained in the Virtual Ticket provided by creditPass and integrated into the transaction details, in your Ingenico account.
The time to activate a payment method depends on the following factors:
- It generally takes the acquirer or bank about a week to complete your affiliation. If you already have an affiliation, the activation takes a few days.
- Some payment methods require additional checks before they can be activated, e.g. in case of 3-D Secure, which is requested directly at VISA or MasterCard (and not at the acquirer).
With Ingenico Collect, you can activate several payment methods in one go.
An acquirer is a financial institution that processes payments from certain credit and debit cards. The acquirer is responsible for the financial part of transaction processing and Ingenico is responsible for the technical part. In other words, without an acquirer the money will not be transferred to your bank account.
For every online payment method you want to add, you need an acceptance contract with an acquirer. If you’d like advice on which acquirer would be best suited for you and your region, please contact our Sales team at email@example.com. If you know which acquirer you want to work with, you can simply select them from the drown down list when adding a payment method in your account.
But why not let us take care of it for you? Ingenico Full Service allows you to activate many local payment methods, all at once and in several different countries – with one single contract. If you trade internationally, it could be the ideal way to accept payments from all across Europe. It saves you time-consuming administration and because you can offer more payment methods, it can also increase your revenues.
Find out more about Ingenico Full Service here and by writing to firstname.lastname@example.org and asking for contract information.