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payment_methods:ccard_moto:start [2016-03-23 15:38]
lkn [Handling Mail Orders and Telephone Orders]
payment_methods:ccard_moto:start [2021-01-12 08:12] (current)
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 ====== Credit Card - Mail Order and Telephone Order ====== ====== Credit Card - Mail Order and Telephone Order ======
  
-===== General information =====+===== General information ====
  
-This payment method is intended for consumers of your online shop who do not wish to disclose their credit card details via the web browser when for example the online shop is visited from public computer e.g. in an internet café, and is also suited for any other system that is capable of storing orders, such as ERP systems and call center applications.+This payment method which is also known as CCARD-MOTO, standing for credit card payments based on **M**ail **O**rder or **T**elephone **O**rderis intended for **back office** transactions and is suited for **any system that is capable of storing orders**, such as ERP systems and call center applications. 
  
-As for online shops, consumers have basically two options to order products or services: +In general, when using this payment method, consumers have two options to order services or items
-  - Per mail: consumer forwards the order and the payment method details to you in written form (fax or letter)+  - Per mail, fax or letterConsumer forwards the order and the payment method details to you in written form. 
-  - Per telephone: consumer calls your call center to place the order and also communicates the payment method details by telephone.+  - Per telephone: Consumer calls e.g. your service center to place the order and communicates the payment method details by telephone.
  
-===== Handling Mail Orders and Telephone Orders =====+Consumers may purchase services or items without having to disclose their credit card details via the web browser, e.g. when visiting an online shop from a publicly accessible computer in an internet café. 
  
-There are three possibilities to handle credit card transactions based on mail and telephone orders: +When your service center staff has access to an ERP systemthey may verify whether the products which are ordered via phone or fax are available while at the same time checking the validity of the consumer's credit card data.
-  * Integration of this payment method into your online shop, call center applicationetc. and only accessible for entitled persons such as the customer care team. +
-  * Wirecard Checkout Terminal +
-  * Wirecard Checkout Automated+
  
-Please note that these solutions are used in your back office only and that your staff must have received a special security training for handling sensitive consumer and payment data.+===== Important information for merchants =====
  
-==== Direct integration ==== +When using this payment method, the following information is very important:
-After corresponding programming and integration directly into your online shop, call center application, etc. without any need for additional interfaces or solutions, consumers e.g. to your online shop may call your service center and place orders by telling your service center staff the credit card details by phone or by sending in a fax. Thus this payment method is only available to your service center staff and is not accessible by consumers who visit your online shop.+
  
-This payment method must only be used in your back office. Consumers must never disclose their [[:glossary#3_-_d_Secure|3-D Secure]] code to the service center staff when placing mail order telephone orders. Therefore, this payment method must never be offered to the consumers in your online shop because this would circumvent [[:glossary#3_-_d_Secure|3-D Secure]] processing. Also, issuers forcing card holders to use "3-D Secure only" may decline such transactions.+  * This payment method **is to be used in your back office only** and any sensible credit card details must only be **accessible for entitled persons** such as the service center staff which in turn must have received a special security training for handling such sensitive consumer and payment data.
  
-Please be aware that your merchant configuration has to be changed by our [[:support|support teams]] on your behalf in order to use this payment methodApart from having this payment method enabled by our support teamsyou need to conclude acceptance contracts with your acquirers who might require you to meet additional and special conditions to fulfill PCI security standards.+  * Consumers must **never disclose** their **3-D Secure code** to the service center staff when placing mail or telephone orders. CCARD-MOTO must never be offered to your consumers since this would circumvent [[:glossary#3_-_d_Secure|3-D Secure]] processingThusissuers forcing card holders to use "3-D Secure only" may decline such transactions.
  
-As a further advantage and if your online shop is connected to an ERP system, the service center staff may verify whether the products which are ordered via phone or fax are available while at the same time checking the validity of the consumer's credit card data and online shop account details+  * To use this payment method, your **merchant configuration has to be changed** by our [[:support|support teams]] on your behalf
  
-Please refer to [[back-end_operations:functional_wcp_wcs:transaction-based_operations_table|transaction-based operations by payment method]] and [[back-end_operations:functional_wcp_wcs:non-transaction-based_operations_table|non-transaction-based operations by payment method]] for further information and details on back-end operations in [[wcp:start|Wirecard Checkout Page]] and [[wcs:start|Wirecard Checkout Seamless]].+  * Apart from having this payment method enabled by our support teams, your acquirers might require you to meet **additional and special conditions to fulfill PCI security standards** in their acceptance contracts.
  
-==== Wirecard Checkout Terminal ==== +  The **entry of the CVC might be optional** depending on your acquirer and the concluded acceptance contract.
-[[wct:start|Wirecard Checkout Terminal]] is optimally suited for your needs if consumers to your online shop prefer **telephone orders**. Payment details of your consumers are entered in the web-based, password protected Wirecard Checkout Terminal interface and are processed automatically and immediately during the telephone order process. Furthermore, it is possible to obtain an immediate confirmation that the payment has been processed while the consumer is still on the phone, i.e. any incorrect information or typing mistakes can be rectified at once.+
  
 +===== Wirecard solutions =====
  
 +Wirecard offers three solutions to handle credit card transactions based on mail and telephone orders:
  
-==== Wirecard Checkout Automated ==== +  * [[#Integration]] of this payment method into your online shop, call center application, etc. based on Wirecard Checkout Page or Wirecard Checkout Seamless.  
 +  * [[#Wirecard Checkout Terminal]] 
 +  * [[#Wirecard Checkout Automated]]
  
-[[wca:start|Wirecard Checkout Automated]] is best suited for your needs if you have to handle a lot of **mail orders**. Wirecard Checkout Automated is intended for non real-time critical applications such as catalog orders, recurring payments and subscriptions. The payment details of your consumers are prepared in tabular format, uploaded and automatically processed.+==== Integration ====
  
 +After corresponding programming and direct integration into your online shop, call center application, etc. based on Wirecard Checkout Page or Wirecard Checkout Seamless, for which no additional interfaces or solutions are required, consumers may call your service center and place orders by telling your service center staff their credit card details, i.e. card holder name, card number, expiration date and CVC. Alternatively they may send in a fax containing this information. Generally you need to ensure that this payment method is only available to your service center staff and is not accessible to consumers. 
  
-===== Additional request parameters =====+Any back-end operations such as refund or recurring transactions are carried out in the usual manner described in [[back-end_operations:transaction-based:start|transaction-based operations by payment method]] and [[back-end_operations:non-transaction-based:start|non-transaction-based operations by payment method]] for [[wcp:start|Wirecard Checkout Page]] and [[wcs:start|Wirecard Checkout Seamless]]. 
 + 
 +**Additional request parameters** 
 + 
 +If Credit Card - Mail Order and Telephone Order and the payment facilitator model are used, the same additional request parameters are required as for credit card transactions. 
 + 
 +For further information and details go to [[payment_methods:creditcard:payment_facilitator|Payment facilitator model]]. 
 + 
 +**Additional response parameters** 
 + 
 +When using the payment method Credit Card - Mail Order and Telephone Order, Wirecard will return the same additional payment-method-specific parameters to your online shop, call center application, etc. as for credit card transactions. 
 + 
 +For further information and details go to [[payment_methods:creditcard:start#additional_response_parameters|Additional response parameters]]. 
 + 
 +==== Wirecard Checkout Terminal ==== 
 + 
 +[[wct:start|Wirecard Checkout Terminal]] is optimally suited for your needs if consumers prefer **telephone orders**. Payment details of your consumers are entered in this web-based, password protected virtual terminal and are processed automatically and immediately during the telephone order process. Furthermore it is possible to obtain an immediate confirmation that the payment has been processed while the consumer is still on the phone, i.e. any incorrect information or typing mistakes can be rectified at once. 
 + 
 +==== Wirecard Checkout Automated ====  
 + 
 +[[wca:start|Wirecard Checkout Automated]] is best suited for your needs if you have to handle a lot of **mail orders**. Wirecard Checkout Automated is intended for non real-time critical applications such as catalog orders, recurring payments and subscriptions. The payment details of your consumers are prepared in tabular format, uploaded and automatically processed.
  
-When using the payment method Credit Card - Mail Order and Telephone Order and the payment facilitator model some additional request parameters are required. 
  
-For further information and details go to [[:payment_methods:creditcard:start#payment_facilitator_model|payment facilitator model]]. 

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