¶ Overview
A gateway must be created in order to process credit card payments in RevCent. You must have an existing merchant gateway account with a third party in order to create a RevCent gateway. If you do not have an existing merchant account, contact us and we can help you acquire one.
¶ View Gateways
View all gateways by clicking the Payments > Credit Card > Gateways link on the sidebar or going to https://revcent.com/user/gateways
¶ Create A Gateway
Create a new gateway by clicking the Create New Gateway button when viewing all gateways or go to https://revcent.com/user/new-gateway
¶ Name
Enter a name for the gateway. Required and must be unique.
¶ Description
Enter a description for the gateway.
¶ Status
Set the status of the gateway.
¶ Discount Rate
The percentage charged by the gateway for each successful credit card charge.
¶ Success Transaction Fee
The flat fee, if applicable, that the gateway charges for each successful credit card charge.
¶ Failure Transaction Fee
The flat fee, if applicable, that the gateway charges for each unsuccessful credit card charge.
¶ Main Gateway
Select the main gateway you are using. Once selected, the gateway credentials box will appear.
¶ Gateway Credentials
Depending on the merchant gateway selected, you will need to enter specific credentials. Credentials different for each merchant gateway. However, details are provided on the credentials you need. In the credential box above, Stripe was selected as the main main gateway.
Important: Enter the appropriate credentials depending on whether you wish to run live or test transactions using your gateway. You must also use the appropriate RevCent API Account that coincides with either live or test transactions.
Live/Test Example:
- Live Transactions: Enter your payments gateways' live credentials and also use a RevCent API Account that is set to live mode. By using a live RevCent API Account, RevCent will send transactions to your gateway's live endpoint.
- Test Transactions: Enter your payments gateways' test credentials and also use a RevCent API Account that is set to test mode. By using a test RevCent API Account, RevCent will send transactions to your gateway's test endpoint.
¶ Edit A Gateway
Edit an existing gateway by clicking the edit button when viewing all gateways.
¶ Details
¶ Name
Enter a name for the gateway. Required and must be unique.
¶ Description
Enter a description for the gateway.
¶ Status
Set the status of the gateway.
¶ Discount Rate
The percentage charged by the gateway for each successful credit card charge.
¶ Success Transaction Fee
The flat fee, if applicable, that the gateway charges for each successful credit card charge.
¶ Failure Transaction Fee
The flat fee, if applicable, that the gateway charges for each unsuccessful credit card charge.
¶ Credentials
If you wish to modify the existing credentials for the gateway, click the Modify button and the modify credentials box will appear
¶ Modify Credentials
Depending on the merchant gateway selected, you will need to enter specific credentials. Credentials different for each merchant gateway. However, details are provided on the credentials you need. In the credential box above, Authorize.net was selected as the main main gateway. Please note that you must select the Confirm checkbox if modifying credentials.
Important: Enter the appropriate credentials depending on whether you wish to run live or test transactions using your gateway. You must also use the appropriate RevCent API Account that coincides with either live or test transactions.
Live/Test Example:
- Live Transactions: Enter your payments gateways' live credentials and also use a RevCent API Account that is set to live mode. By using a live RevCent API Account, RevCent will send transactions to your gateway's live endpoint.
- Test Transactions: Enter your payments gateways' test credentials and also use a RevCent API Account that is set to test mode. By using a test RevCent API Account, RevCent will send transactions to your gateway's test endpoint.
¶ Advanced Settings
RevCent offers advanced settings for individual gateways. Note: Advanced settings only apply when it is an initial sale transaction or subscription renewal and a Payment Profile Cascade is used.
RevCent uses a scoring system to re-order gateways within a cascade if advanced setting options are selected and matched. RevCent totals the score for each enabled gateway within a cascade, based on all options selected. RevCent will re-order the cascade gateways based on the scores, highest first, but still keeping the payment profile step cascade order. If no gateways have an increased score, i.e. all have +0, then the original payment profile step cascade order is kept. Revenue and time rules still apply and may remove a gateway regardless of advanced setting score.
Important: Advanced settings are a powerful tool and require an understanding of each advanced setting Type: currency, BIN, product group, and Type Options: Only, Prefer, Deny. If configured incorrectly, you can inadvertently prevent a gateway from ever processing a transaction, or always have a single gateway process all transactions. Please read carefully if you plan to implement advanced settings.
¶ Types
- Currency: The transaction currency.
- BIN: Any BIN profiles you wish to implement, used in comparison to the card BIN being used in the transaction.
- Product Group: Any product group(s) that contain products related to the transaction.
¶ Type Options
- Only: Restrict the gateway to be used if only selected options match transaction, ignoring Prefer matches.
- Prefer: If you want the gateway to have increased priority on matched selected options, but not be limited to only the selected options.
- Deny: If you want to prevent the gateway from being used if selected options match, ignoring Only and Prefer matches.
¶ Scoring
Each individual setting Type and Type Option have a different score associated for Only and Prefer. This gives you the ability to configure advanced settings in a way that allows maximum flexibility based on currency, BIN and product combined. Any Deny matches immediately remove the gateway from the cascade for the specific transaction, regardless of Only or Prefer matches.
Custom Scoring: The scoring table below are the default score values RevCent assigns. However, you have the ability to implement custom scores for Only and Prefer at the gateway level.
¶ Scoring Table
| Only Match | Only No Match | Prefer Match | Prefer No Match | Deny Match | Deny No Match | |
|---|---|---|---|---|---|---|
| Currency | +25 | gateway rejected | +1 | +0 | gateway rejected | +0 |
| BIN 8/6 | +15/+14 | gateway rejected | +4/+3 | +0 | gateway rejected | +0 |
| Product Group | +8 | gateway rejected | +1 | +0 | gateway rejected | +0 |
¶ Currency
Currency based gateway settings. Route to or prevent a gateway based on the transaction currency.
- Only Currency(s): Useful when you want a gateway to only process a transaction for a specific currency(s). Will receive +25 score in cascade where currency(s) match and will not process non-matching currency(s). +25 if matched. Gateway rejected if no match.
- Prefer Currency(s): Useful when you want a gateway to have priority for specific currency(s), but not be limited to only the currency(s). Will receive +1 score in cascade where currency(s) match, but will process non-matching currency(s) without score increase. +1 if matched, +0 if no match.
- Deny Currency(s): Useful when you want a gateway to not process a transaction for a specific currency(s). Will not process matching currency(s), but will process non-matching currency(s) without score increase. Gateway rejected if matched, +0 if no match.
¶ BIN
Credit card BIN based gateway settings using BIN Profiles. Route to or prevent a gateway based on the first six or eight digits of the credit card being used.
- Only BIN(s): Useful when you want this gateway to only process a transaction for a specific BIN(s). Will receive +15 score for BIN8 and +14 score for BIN6 in cascade where BIN(s) match and will not process non-matching BIN(s). +15/+14 (BIN8/BIN6) if matched. Gateway rejected if no match.
- Prefer BIN(s): Useful when you want this gateway to have priority for specific BIN(s), but not be limited to only the BIN(s). Will receive +4 score for BIN8 and +3 score for BIN6 in cascade where BIN(s) match, but will process non-matching BIN(s) without without score increase. +4/+3 (BIN8/BIN6) if matched, +0 if no match.
- Deny BIN(s): Useful when you want this gateway to not process a transaction for a specific BIN(s). Will not process matching BIN(s), but will process non-matching BIN(s) without score increase. Score: Gateway rejected if matched, +0 if no match.
¶ BIN 8 vs 6
BIN Profiles allow you to specify individual BIN's, or a range of BIN's, for both BIN 8 and BIN 6. A BIN 8 match is given a higher score versus a BIN 6 match, as more digits matched the customers card. The distinction between BIN lengths allows granular routing, narrowing it down to institution.
¶ Product Group
Product based gateway settings using Product Groups. Route to or prevent a gateway based on the product within a specific transaction.
- Only Product Group(s): Useful when you want a gateway to only process a transaction for a specific product(s). Will receive +8 score in cascade where product(s) match and will not process non-matching product(s). +8 if matched. Gateway rejected if no match.
- Prefer Product Group(s): Useful when you want a gateway to have priority for specific product(s), but not be limited to only the product(s). Will receive +1 score in cascade where product(s) match, but will process non-matching product(s) without score increase. +1 if matched, +0 if no match.
- Deny Product Group(s): Useful when you want a gateway to not process a transaction for a specific product(s). Will not process matching product(s), but will process non-matching product(s) without score increase. Score: Gateway rejected if matched, +0 if no match.
¶ Minimum Monthly Fee
Increase the score of a gateway based on the percentage remaining of monthly minimum fee total. Useful when you want to use a particular gateway if you are paying for fees up front. Will receive a multiplicative score increase of +1 * (1- (30 day fee total/minimum monthly fee)) score.
RevCent calculates the score based on the percentage amount of minimum fees remaining to be used. The greater the percentage remaining (1- (30 day fee total/minimum monthly fee)), the greater the score.
Note: Gateway will not receive a score increase for minimum monthly fee if threshold has been reached or exceeded, i.e. the current fee total is greater than or equal to minimum monthly fee amount.
- Enabled: Select whether to enable or disable the Minimum Monthly Fee advanced setting.
- Minimum Monthly Fee Amount: Enter the minimum monthly fee amount the gateway charges you.
¶ Example Score Calculations
Score Multiplier = 1
30 Day Fee Total = 2500
Minimum Monthly Fee Amount = 5000
Score Calculation = 1 * (1-(2500/5000))
Score Increase = +0.5
Score Multiplier = 1
30 Day Fee Total = 3500
Minimum Monthly Fee Amount = 5000
Score Calculation = 1 * (1-(3500/5000))
Score Increase = +0.3
Score Multiplier = 1
30 Day Fee Total = 5500
Minimum Monthly Fee Amount = 5000
Score Calculation = N/A The 30 Day total exceeded monthly minimum amount.
Score Increase = +0
¶ Cascade Step Process
The example below shows the process of gateway ordering and selection when a payment profile cascade is used.
In Depth: Please view the Cascade Step Examples page to view multiple examples, with detailed scoring,
¶ Available Gateways
If you don't see a gateway you need, let us know and we can integrate it.
| Name | 3DS2 |
|---|---|
| Adyen | |
| Authorize.net | |
| Braintree | |
| Cardpointe | |
| Checkout.com | YES |
| Cybersource | |
| FluidPay | |
| Elavon Converge | |
| Maverick | |
| NAB Transact | |
| NMI | YES |
| Pathly | |
| PayJunction | |
| PaySafe | YES |
| PSiGate | |
| Pinwheel | |
| Stripe* |
¶ Important Information Regarding Stripe
If you are processing live transactions with Stripe, you need to enable the "Handle Card Information Directly" setting in your Stripe account.
Read how to enable this setting.
¶ 3DS2 Authentication
Some gateways offer the ability to utilize 3DS2 authentication for payment transactions. You can implement 3DS2 and use the RevCent API to send the 3DS2 variables to an enabled gateway. Read more about 3D Secure 2
¶ How It Works
3DS2 works via JavaScript code on your shopping cart/checkout page. When a customer clicks submit to complete payment, you first submit a request to the 3DS2 endpoint to retrieve 3DS2 authentication values/instructions. These values are then passed to the RevCent API, via the “three_ds” object when ready to process payment. RevCent will pass non-empty and non-null “three_ds” values to the payment gateway according to the specific gateways specification.
3DS2 is not a plug and play solution, and requires a developer or someone with knowledge on JavaScript in the browser. Only specific gateways are supported, and each gateway requires their own browser implementation.
¶ API Request
To send RevCent the 3DS2 values returned from the browser, do so using the “three_ds” object in the sale > create API call. Example: https://revcent.com/docs/api#sale-create-credit-card
Example Sale > Create request with 3DS2 values in the “three_ds” object. Not all three_ds values are required, only the values returned in the browser from the gateways' 3DS2 endpoint.
{
"request": {
"type": "sale",
"method": "create",
"three_ds": {
"enabled": true, // Required if sending 3DS2 values to RevCent.
"version": "2.1.0", // The 3DS2 version. Example: "2.1.0" or "2.2.0".
"eci": "05", // The eCommerce indicator. Indicates the result of the attempt to authenticate the cardholder.
"cavv": "Y2FyZGluYWxjb21tZXJjZWF1dGg", // Cardholder Authentication Verification Value
"xid": "YXV0aCB0eG4gaWRzIGFyZSBmdW4=", // The transaction identifier from authentication processing.
"directory_server_id": "3f6fb1f8-f719-46c9-905b-bab446f4de30", // A transaction identifier assigned by the directory server.
"authentication_response": "verified", // Describing if a customer was successfully verified or attempted. Example: "verified" or "attempted".
"acs_transaction_id": "d6f15aae-2c9d-4333-a920-954be07c0c76", // Access Control Server (ACS) transaction identifier.
"algorithm": "1", // 3DS algorithm used.
"directory_response": "Y", // 3DS directory server response.
"enrollment_response": "Y", // Verify enrollment response/status
"three_ds_server_transaction_id": "" // 3DS server transaction id.
}
.....
}
}
¶ Supported Gateways
Supported gateways and third parties, with field mapping and links to instructions, are listed below.
Note: Each gateway returns specific fields to the browser upon 3DS2 authentication. These fields are mapped to the RevCent field in the “three_ds” object. Therefore, when making the API call, the response fields from the browser 3DS2 authentication request need to match the fields in the RevCent API call three_ds object according to the mapping table for each gateway below.
¶ NMI
| Gateway Response Field | RevCent API Field | Example Value |
|---|---|---|
| eci | eci | 05 |
| cavv | cavv | Y2FyZGluYWxjb21tZXJjZWF1dGg |
| xid | xid | OU9rcTRCY1VJTFlDWTFESXFtTHU= |
| directoryServerId | directory_server_id | 3f6fb1f8-f719-46c9-905b-bab446f4de30 |
| cardHolderAuth | authentication_response | verified |
| threeDsVersion | version | 2.1.0 |
¶ Paysafe
| Gateway Response Field | RevCent API Field | Example Value |
|---|---|---|
| eci | eci | 05 |
| cavv | cavv | AAABCIEjYgAAAAAAlCNiENiWiV+= |
| xid | xid | OU9rcTRCY1VJTFlDWTFESXFtTHU= |
| directoryServerTransactionId | directory_server_id | a3a721f3-b6fa-4cb5-84ea-c7b5c39890a2 |
| threeDResult | directory_response | Y |
| threeDEnrollment | enrollment_response | Y |
| threeDSecureVersion | version | 2.1.0 |
¶ Checkout.com
| Gateway Response Field | RevCent API Field | Example Value |
|---|---|---|
| eci | eci | 06 |
| cryptogram | cavv | 123feb70-d16b-4da6-b07f-98c0 |
| xid | xid | 79f6205c-ff5c-4a4c-8fca-90f67f3a6470 |
| version | version | 2.1.0 |
¶ PAAY
PAAY is not a gateway, it is a third party service we recommend for easy 3DS integration.
| PAAY 3DS Response Field | RevCent API Field | Example Value |
|---|---|---|
| eci | eci | 05 |
| authenticationValue | cavv | Y2FyZGluYWxjb21tZXJjZWF1dGg |
| dsTransId | directory_server_id | 3f6fb1f8-f719-46c9-905b-bab446f4de30 |
| protocolVersion | version | 2.1.0 |
| acsTransId | acs_transaction_id | d6f15aae-2c9d-4333-a920-954be07c0c76 |