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

Table 1. Supported Brands
Brand name Description

American Express

American Express including American Express SafeKey

Diners Club

Diners Club

Discover

Discover

Maestro SecureCode

Maestro SecureCode

Mastercard

Master Card including Mastercard ID Check

Visa

Visa including Visa Secure

BIN Ranges

Table 2. BIN Ranges
Brand Length BIN range

American Express

15

34xx xxxx xxxx xxx
37xx xxxx xxxx xxx

Diners Club

14

36xx xxxx xxxx xx

Mastercard

16

51xx xxxx xxxx xxxx
55xx xxxx xxxx xxxx

16

2221 xxxx xxxx xxxx
2720 xxxx xxxx xxxx

Visa

16

4xxx xxxx xxxx xxxx

13

4xxx xxxx xxxx x

Parameters

Optional request parameter customerStatement and orderReference are more restricted with regard to their length and allowed characters than usual.

The parameter orderReference becomes mandatory if you use Worldline as an acquirer.
When using the payment methods Credit Card, Credit Card-Mail Order and Telephone Order in your online shop, QENTA will return additional parameters to your online shop.

According to credit card company requirements for risk minimization, there are two parameters for recurring payments for QPAY Checkout Page and QMORE 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 QENTA on your behalf.

Order Flow Diagram

Image

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.

You can find all possible states of transactions for all specific acquirers here.