Credit/Debit Cards
Fast, convenient, secure - payment by credit card online is a payment type popular worldwide. Due to the wide circulation and common usage it represents a trustworthy payment method to customers. Via Novalnet Credit/Debit Cards payments are processed according to the PCI security standard optionally either with or without 3D secure process. Novalnet executes the competent processing of worldwide transactions by Mastercard, Visa, or American Express and cooperates with renowned global credit card acquiring partners for this purpose.
As a payment service provider, we offer our vendors a simplified PCI DSS certification so that large online shops and medium-sized or smaller merchants can offer Credit/Debit Card payments. In addition, we offer to conduct the registration and validation with the acquirer for you. Our Credit/Debit partners presently charge a small monthly fee of some Euros.
Key Information
| Payment Type | CREDITCARD |
| Type | CARD |
| Supported Countries | International |
| Supported Currencies | Multiple, Worldwide |
| Authorization | Yes |
| Transaction Refund | Yes |
| Tokenization | Yes |
| Recurring | Yes |
| Transmission of the customer number | Yes |
Supported cards
Novalnet allows you to accept payments online from all popular credit/debit cards.
Try it yourself
Before integrating card payments to your webshop do you want to know how it works? Give a try on the card demo on the mock store, to view how card checkout handles payment responses. Refer this /resources/testing for the test data and click Pay Now to get started.
A Credit/Debit Card form is a secure payment form that collects the sensitive and non-sensitive data from the user during checkout to process shoppers’ payments.
By this time, you know how the iFrame Credit/Debit Card form works, and embedding this into your website will be a perfect choice for card payments. The overall features include:
- iFrame card form is a checkout-rendered payment form.
- Dynamic formatting of card numbers for improved usability.
- Express checkout advantage to save time.
- PCI-compliant standards maintained
- Translating placeholders into your customer’s preferred language
- Responsive form design
- Customizing the CSS style to match the appearance of your checkout page
To implement the iframe credit/debit card form, refer to this >>link<<
Payment API
The Payment API function performs all actions related to payments. The payment function mainly authorizes the payment details and can further capture payments immediately. When we say capture, it denotes that payment is processed successfully.
Authorize
As the function's name implies, Authorize performs a basic payment authorization. The details entered in the payment form is run through an authorization process to ensure their validity and payment details are verified for further processing
End point URL
| Payment API |
https://payport.novalnet.de/v2/payment
|
| Authorize |
https://payport.novalnet.de/v2/authorize
|
Credit/Debit Card Chargeback
Credit/Debit card chargebacks are reverse charges claimed by cardholders to their banks, and banks take action to revert the online payments to the cardholders. Chargebacks may occur due to various reasons under different circumstances that may include:
- Cardholders initiate a transaction dispute due to fraud or abuse.
- If they are charged for cancelled payments.
- If they are mistakenly charged twice for the same order.
How do you wish to integrate Credit/Debit Cards?
Choose the integration type per your business model, but you need to enable Credit Card in the Novalnet Admin Portal before that.
We take care of the technical and other formalities - i.e. the interface and the necessary acceptance agreement - to ensure your effort is kept to a minimum. The only thing is you need to select the integration type from the following options.
Transaction Result
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