Skip to end of metadata
Go to start of metadata

You are viewing an old version of this page. View the current version.

Compare with Current View Page History

« Previous Version 2 Next »

This page serves as a supplementary guide for integrating Real-Time Recurring Credit Card transaction payment into the redirect payment flow and is to be read in conjunction with the PayU Redirect integration documentation.

Overview

PayU Real-Time Recurring (RTR) transaction processing is a card processing solution where the merchant is allowed to deduct specified amounts from a card holder's account as agreed between card holder and merchant with or without the card holder initiating the actual transaction. Real-Time Recurring (RTR) Credit Card transaction solution is available on the PayU payment system via both the API and responsive channel through tokenised redirect integration. Please consult with PayU Sales for more information.

Real-Time recurring transactions are set-up by providing full card data (Card holder provide during agreement process on PayU hosted payment page) for transaction authorisation initially and on subsequent transactions only the card number or tokenised version is required to authorise payment to the merchant. To remove PCI risk to merchants PayU offers RTR as a tokenised payment solution. The card details will be encrypted by PayU and stored in a token which should be stored against a merchant user profile for future recurring transactions. Future transactions can happen via administrative process(subscriptions) or redirect on-line transactions where card holder launch payment process.

Merchants using Real-Time Recurring transactions are always liability for charge-backs from issuers. For some chargeback risk reduction Real-Time Recurring transactions can be paired with eCommerce transactions with Secure 3D during the setup transaction. More details below on the flows. Enterprise merchants needs to manage the flow, for redirect merchants PayU will ensure correct flow is applied based on transaction perimeters.

Merchant Requirement

Merchant will need to have the following in place before attempting Real-Time Recurring integration. 

  • User profile system with secure login process for merchant users.
  • Capabilities to store one or more PayU created payment tokens against user profiles.
  • Back-end processing capability to process recurring subscription transactions. (Optional and only required for subscription type transactions)

Additional considerations:

Redirect Integration: No sensitive card holder data will be exposed to the merchant, all card capturing happens at PayU. The merchant can still process back-end transactions via Enterprise API by making use of the tokens.

To ensure integration is a smooth process please ensure that integration is first completed and tested on the PayU Staging platform before switching to production.

setTransaction amendments for Real-Time Recurring Credit Card Transactions (RTR)

Setup Call: No token exist at this time.

Merchants will need to make the following amendments to the normal setTransaction API call in order to do Real-Time Recurring Credit Card transactions with and without tokens on the PayU platform.  

  • Secure3d= TRUE/FALSE
  • SupportedPaymentMethods= CREDITCARD_TOKEN

  • merchantUserId = Identifying value at merchant

  • Customfield

    • key = processingType

    • value = REAL_TIME_RECURRING

 

Request items to consider
<Secure3d>true</Secure3d>
 
<SupportedPaymentMethods>CREDITCARD_TOKEN</SupportedPaymentMethods>
 
<Customer FirstName="John" LastName="Doe" CountryCode="27" Mobile="27999220020" MerchantUserId="Merch000001"/>
 
<Customfield>
  <Customfield Key="processingType" Value="REAL_TIME_RECURRING"/>
</Customfield>

 

 

API call examples

Please refer to the setTransaction API example page for more information

 

  • No labels