Difference between revisions of "Token payment upgrade to 3DS"

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[[Token_payment|Token payment]] is a solution that enables the merchant to charge the payer without requiring the presence of the payer. It is a powerful tool to conduct subscription-like or payer-not-present scenarios. This scenario required the merchant to create a token that would act as an identifier for the payer's funding source (may it be a credit card or a Barion e-money account). To acquire such a token the merchant had to do several things:
 
[[Token_payment|Token payment]] is a solution that enables the merchant to charge the payer without requiring the presence of the payer. It is a powerful tool to conduct subscription-like or payer-not-present scenarios. This scenario required the merchant to create a token that would act as an identifier for the payer's funding source (may it be a credit card or a Barion e-money account). To acquire such a token the merchant had to do several things:
# Create an alphanumeric token  
+
# Create an alphanumeric token
 
# Register this token in the Barion system by attaching it to an initial payment and having the payer fulfill that payment (either by card or form an e-money account)
 
# Register this token in the Barion system by attaching it to an initial payment and having the payer fulfill that payment (either by card or form an e-money account)
 
# Refer to this token in a subsequent payment attempt
 
# Refer to this token in a subsequent payment attempt
  
This meant that as far as this token referred to a valid and still available funding source the merchant could create payments without any limitations. To make sure that the payer
+
This meant that as far as this token referred to a valid and still available funding source the merchant could create payments without any limitations. Basically, this token symbolized the funding source. It was up to the merchant to decide what it is used for. To make sure that the payer has more control over these scenarios the 3DS authentication requires another identifier. This new identifier is used the differentiate these payment scenarios.
  
 
{{NotificationBox|title=IMPORTANT|text=Starting from January 1 the [[3DSecure|3DS authentication]] will be mandatory for all of our partners!|color=#FF7A3D}}
 
{{NotificationBox|title=IMPORTANT|text=Starting from January 1 the [[3DSecure|3DS authentication]] will be mandatory for all of our partners!|color=#FF7A3D}}

Revision as of 18:50, 16 November 2020

Upgrading token payment implementation to use 3DS

NOTE
This tutorial was created to help merchants that already have token payment integration with Barion. If you are planning to create a new integration, please read this description!

Token payment is a solution that enables the merchant to charge the payer without requiring the presence of the payer. It is a powerful tool to conduct subscription-like or payer-not-present scenarios. This scenario required the merchant to create a token that would act as an identifier for the payer's funding source (may it be a credit card or a Barion e-money account). To acquire such a token the merchant had to do several things:

  1. Create an alphanumeric token
  2. Register this token in the Barion system by attaching it to an initial payment and having the payer fulfill that payment (either by card or form an e-money account)
  3. Refer to this token in a subsequent payment attempt

This meant that as far as this token referred to a valid and still available funding source the merchant could create payments without any limitations. Basically, this token symbolized the funding source. It was up to the merchant to decide what it is used for. To make sure that the payer has more control over these scenarios the 3DS authentication requires another identifier. This new identifier is used the differentiate these payment scenarios.

IMPORTANT
Starting from January 1 the 3DS authentication will be mandatory for all of our partners!