eCommerce Solution

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eCommerce

eCommerce solution consists of all software components taking part in ecommerce payment and is responsible for end-to-end transaction flow.

Selected features :

• payments
• payments with tokenization
• tokenization
• recurring payments, MIT
• payment links 
• pre‑authorization, MOTO
• refunds

Our eCommerce solution supports most popular card schemes and can easily integrate with other methods available for a specific market.

Supported payment methods :

• Card payments (Visa, Mastercard, AMEX)
• Card token payments (SCOF, VTS, Internal CoF)
• Apple Pay, Google Pay
• BLIK (for Polish market)
• Instant bank transfers (to adapt depending on markets)

Our eCommerce solution supports network tokenization offered by payment organizations and internal tokenization.

Supported Tokenization methods :

• Mastercard Secure Card on File (SCOF)

• merchant registration process (DPA)
• card enrollment (On-Behalf of Merchant/Commerce platform)
• checkout 

• Visa VTS

• merchant registration process
• card enrollment
• checkout

Thanks to universal interface and set of secure components, our eCommerce solution can be easily integrated with merchants.

Supported integration methods :

• Redirect (PAYWALL)
• Direct (API)
• Iframe components
• Plugins (Presta/WooCommerce)
• SDK (APP)

SANDBOX : We can provide a version of system with components enabling integration tests for merchants in a closed environment :

• No Backoffice required,
• Payments in closed environment,

Microservice architecture guarantees high availability and allows horizontal scaling of the system.

Cloud-ready components – the system can operate in both: public (Kubernetes) and private cloud (OpenShift).

Uses Apache Kafka as event bus, thanks to which it can handle a large number of merchant and customer notifications.

Internal merchants cache enables its operation regardless of Backoffice availability.

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3-D Secure solution

3-D Secure Solution Suite consists of all software components taking part in 3DS authentication :

• Access Control Server
• 3DS Server
• 3DS SDK (iOS, Android)
• Directory Server

Our 3-D Secure solutions are certified by EMVCo for 3DS 2.1 and 2.2 protocol versions and ACS is also certified for 3DS 1.0.2.

Solutions can be easily integrated with existing environment on Customer’s side.

3DS solutions support Zero Downtime architecture : All components are redundant, which means that stoppage or error of one of the components does not stop the authentication process flow.

Access Control Server (ACS) is responsible for authentication of the Cardholder and providing of user interface in Internet browser environment if a challenge (SCA) is needed.

We provide tailoring the screens in accordance with issuer requirements, including color, specific fonts and logos.

Our ACS solution provides a dynamic selection of authentication methods. By combining this functionality with exceptions allowed by PSD2 RTS, this functionality can be used by the Issuer to process more transactions in frictionless manner.

Directory Server solution includes both basic Directory Server implementation and Directory Server Certificate Authority, which allows seamless onboarding of other 3-D Secure components.

The system is also provided with a reporting module, allowing to monitor performance of 3DS participants.

Thanks to universal set of interfaces, 3DS Server can be easily integrated with existing e-commerce environment.

It can communicate directly with the web store, paywall or any kind of middleware that is required by the customer.

3DS SDK solution is responsible for collection of data about Cardholder’s device and for providing user interface if Issuer’s ACS decides that a challenge (SCA) is necessary in mobile app environment.

3DS SDK solution supports native and HTML interfaces in both landscape and portrait modes.

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