Credit card
Credit card
A credit card allows cardholders to borrow funds from a pre-approved limit to pay for goods and services. When a purchase is made, the cardholder agrees to pay the card issuer and agrees to pay by signing a receipt with a record of the card details and indicating the amount to be paid or by entering a PIN.
For transactions where the card is not shown e.g. e-commerce merchants additionally verify that the consumer is in physical possession of the card and is the authorized user by asking for additional information such as the CVC (card verification code), date of expiry, and billing address.
Supported Brands
| Brand name | Description |
|---|---|
American Express |
American Express including American Express SafeKey |
Diners Club |
|
Discover |
|
Maestro SecureCode |
Maestro SecureCode |
Mastercard |
Master Card including Mastercard ID Check |
Visa |
Visa including Visa Secure |
BIN Ranges
| Brand | Length | BIN range |
|---|---|---|
American Express |
15 |
|
Diners Club |
14 |
|
Mastercard |
16 |
|
16 |
|
|
Visa |
16 |
|
13 |
|
Parameters
The merchant needs to send CCARD for parameter paymentType.
Optional request parameters customerStatement and orderReference are more restricted about their length and allowed characters than usual.
The parameter orderReference becomes mandatory if the Worldline is used as an acquirer.
|
When using the payment methods Credit Card, Credit Card-Mail Order and Telephone Order in online shop, hobex Service IT will return additional parameters.
According to credit card company requirements for risk minimization, there are two parameters for recurring payments for Checkout Page and Checkout Seamless.
The optional feature specific response parameter enhances the functionality and usability of the payment process regarding specific features and functions and is enabled by hobex Service IT on the merchant’s behalf.
Order Flow Diagram
To interpret this diagram, the successful completion of a NEW PAYMENT is assumed. Starting from this operation it’s possible to carry out different transaction-based operations.
| For the explanation of the different status descriptions included in this diagram have a look at getOrderDetails. |
All possible states of transaction for all specific acquirers can be found here.