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Square Payment Module for Zen Cart [Support Thread]

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1 Jul 2021, 6:02 PM
#621
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Square Payment Module for Zen Cart [Support Thread]

1.5.7c with PHP 7.2 and 1.5.6c with PHP 7.2
Both with latest version of Square and OPC

Interesting activity found while looking into the token expiration situation.

Orders placed through Guest Checkout of OPC.

Using a valid CC number and CVV, the system accepts any other information and captures the transaction.

Deliberately setting the billing address and zip code to totally bogus settings does not fail and square does the capture.

This is scary in that any card that arrives in someone's possession by any means will have three things on the card minimum. The CC number, expiration date, and the CVV number. There are other items on the card depending on the type, but those seem to be the only things Square is evaluating in order to capture.

This is leading to chargebacks as Square eventually finds out the other information on the billing address is bogus.

On at least two occasions for one shop owner, Square accepted and captured a bogus order with code in the Address Line 2 block of the billing address.

Is anyone else experiencing this? When I get gas with a credit card, I am often prompted to enter a "Valid Zip Code" for the card. With the Square module setup on these two stores, Square does a capture no matter what Zip Code is used.

When the customer tries to talk to Square about their fraud check process, they get nothing but an attempted upsell to Square's platform.

Below is the billing address for one order. The name is bogus, of course. The address and zip are legit. The phone # is from LA. The e-mail seems to be valid and is pronounced OK by several checkers.

[Attachment no longer available]

1 Jul 2021, 8:10 PM
#622
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Re: Square Payment Module for Zen Cart [Support Thread]

avs validation attempts to validate the address. in general, it should be a config switch on the merchants dashboard at square (although i have not used square).

some info on avs:

https://www.signifyd.com/resources/fraud-101/detection/avs-how-it-works/

the merchant has the option to decline transactions based on the avs code response. but again, i'm guessing this would be on the square dashboard.

that said, i have seen chargeback and fraudulent transactions even with a full match (avs code Y).

best.

1 Jul 2021, 10:16 PM
#623
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Re: Square Payment Module for Zen Cart [Support Thread]

Square has apparently "adjusted" the free fraud prevention to allow any transaction with:

  1. A valid CC number
  2. The CVV matching the CC number
  3. An expiration date at least ?? days from the transaction date

All are They are no longer checking any other items UNLESS you subscribe to their Risk Manager.

I tried it out and it allows you to make your own rules. Alerts or Blocks. Even blocking based on the shipping information.

The alerts are long, detailed, and don't really point out what went wrong. The one I tried with a bad billing zip just said "GENERIC_DECLINE" "PAYMENT_METHOD_ERROR".

Fee (of course) is .06 per transaction BUT, with PayPal's new rates, that will still be ~$0.13 cheaper than PayPal. PayPal will be going to 2.99% and $0.491 per if you get PayPal's chargeback protection.

The unknown is the "per transaction" statement in the fee. I'm still trying to find out if they consider a block as a transaction. Don't want to pay for thieves to test their stolen cards.

2 Jul 2021, 8:32 AM
#624
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Re: Square Payment Module for Zen Cart [Support Thread]

dbltoe:

Square has apparently "adjusted" the free fraud prevention to allow any transaction with:

  1. A valid CC number
  1. The CVV matching the CC number
  1. An expiration date at least ?? days from the transaction date

All are They are no longer checking any other items UNLESS you subscribe to their Risk Manager.

I tried it out and it allows you to make your own rules. Alerts or Blocks. Even blocking based on the shipping information.

The alerts are long, detailed, and don't really point out what went wrong. The one I tried with a bad billing zip just said "GENERIC_DECLINE" "PAYMENT_METHOD_ERROR".

Fee (of course) is .06 per transaction BUT, with PayPal's new rates, that will still be ~$0.13 cheaper than PayPal. PayPal will be going to 2.99% and $0.491 per if you get PayPal's chargeback protection.

The unknown is the "per transaction" statement in the fee. I'm still trying to find out if they consider a block as a transaction. Don't want to pay for thieves to test their stolen cards.

Please let me know what you find out. I am not liking what I am seeing on this one bit.

2 Jul 2021, 3:17 PM
#625
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Re: Square Payment Module for Zen Cart [Support Thread]

I have been scouring the Square site trying to see where this is detailed in any of their plans. I literally cannot find anything.

2 Jul 2021, 3:29 PM
#626
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Re: Square Payment Module for Zen Cart [Support Thread]

g2ktcf:

I have been scouring the Square site trying to see where this is detailed in any of their plans. I literally cannot find anything.

I am looking at their public site, not logged into my account. But it appears that Paypal charges $20 for a chargeback and Square does not (from one site that compares the two platforms)

2 Jul 2021, 9:10 PM
#627
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Re: Square Payment Module for Zen Cart [Support Thread]

This is the link but discussion on the features of Square should now be moved to another thread. Support for the mod is discussed here.

Post 607 was based on an assumption that the mod might not be "talking" to Square correctly.

Post 609 was confirming that it was a change in Square policy and not a problem with the mod.

Apologies if I muddled the puddle with extra information.

7 Jul 2021, 1:27 PM
#628
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Re: Square Payment Module for Zen Cart [Support Thread]

I asked my colleagues in the Account Team and it seems that the cards ending ****, ****, **** are not eligible for 3DS as there are United Arab Emirate cards which are not 3DS enabled.

One of my colleague must have sent you information about the Fraud Manager Tool, would you like to try using it ?

About SCA / 3DS
You can rest assured, Square will be ready to support Secure Customer Authentication requirements for the extended UK deadline of 14 September 2021.
If you are using Square’s standard products such as Square Online and Invoices, you do not need to make any changes as the products have been updated to meet SCA requirements.

so now im signed upto some risk manager and they cant tell me why my website is accepting orders where everything looks legitimate ie address for shipping and billing same ect but then a notification about fraudulant activity and a payment hold until i refund the offending payment. they told me they believe the cards to be stolen credit cards. the person waited 2 weeks after being caught out and tried to check out with a fresh address but i recognised the address from one of his failed attempts.

I want to sell digital delivery goods and want all my transactions to go through 3d secure and what i can only assume is the international version "SCA" if i sell digital delivery goods with the site allowing such orders im just opening the flood gates for chargebacks that are less likely with physically posted items.

square arent really helping me just feel like they upsold me to trial the risk manager. i want ideally to have no risk with 3d secure transactions. will there need to be an update to the module intime for the date they mentioned in there email response i posted above?

7 Jul 2021, 1:59 PM
#630
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Re: Square Payment Module for Zen Cart [Support Thread]

flappingfish:

https://squareup.com/help/gb/en/article/7373-strong-customer-authentication-faq it seems like updates are needed for anyone in the uk or eu

I think https://www.zen-cart.com/showthread.php?222449-Square-Payment-Module-for-Zen-Cart-Support-Thread&p=1381277#post1381277 covers this. I do not beleive that it has been included in the main zencart code yet.

7 Jul 2021, 2:15 PM
#631
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Re: Square Payment Module for Zen Cart [Support Thread]

RocketSites:

With the assistance of @Congerman, I have made some changes to the Square module with a view to achieving SCA compliance.

The following is ready for TESTING - use AT YOUR OWN RISK. Replace these two core files with those included in the archive:

/includes/modules/pages/checkout_payment/jscript_square.php
/includes/modules/payment/square.php

No need to un-install and then re-install the module in admin, as there are no DB changes.

https://www.rocketsites.co.uk/square.zip

any done this and had any issues? just had my site upgraded so im wary of changing files straight after developer has just finished working on it

9 Jul 2021, 7:13 AM
#633
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Re: Square Payment Module for Zen Cart [Support Thread]

Yes I am using it live. No issues so far.

9 Jul 2021, 8:26 AM
#634
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Re: Square Payment Module for Zen Cart [Support Thread]

brittainmark:

Yes I am using it live. No issues so far.

awesome thankyou

11 Jul 2021, 12:15 PM
#635
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Re: Square Payment Module for Zen Cart [Support Thread]

Ok so had my site upgrade to 1.57c and now im getting the SQ_NONCE FAILURE error again. i noticed this error message....

ERROR: module not loaded due to missing language file:
/public_html/includes/languages/english/modules/payment/square_handler.php

when i tried to check to see if i could perhaps set it to uk only and that would allow it to suddenly work. no joy, just happened to spot this message so i goes to insert the missing file and it is indeed missing, the error is still there and the settings options dissapeared from the admin panel.
deleting square_handler.php gets those settings back in the admin panel?

i havent tried implementing the SCA patch as above as developers i hired for upgrade left my site in a sorry state and ive had to let them go

11 Jul 2021, 4:40 PM
#636
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Re: Square Payment Module for Zen Cart [Support Thread]

flappingfish:

Ok so had my site upgrade to 1.57c and now im getting the SQ_NONCE FAILURE error again. i noticed this error message....

ERROR: module not loaded due to missing language file:
/public_html/includes/languages/english/modules/payment/square_handler.php

when i tried to check to see if i could perhaps set it to uk only and that would allow it to suddenly work. no joy, just happened to spot this message so i goes to insert the missing file and it is indeed missing, the error is still there and the settings options dissapeared from the admin panel.
deleting square_handler.php gets those settings back in the admin panel?

i havent tried implementing the SCA patch as above as developers i hired for upgrade left my site in a sorry state and ive had to let them go
When loading the payment modules screen, is the only issue logged in the logs file related to this module or are there other issues logged as well? Is english the only language used by the catalog and/or admin side?

What files are in includes/modules/payment? From what version was your site upgraded? What php version is currently being seen by your site (info is expected on the screen at admin screen version link at upper right.)

12 Jul 2021, 12:37 PM
#637
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Re: Square Payment Module for Zen Cart [Support Thread]

mc12345678:

When loading the payment modules screen, is the only issue logged in the logs file related to this module or are there other issues logged as well? Is english the only language used by the catalog and/or admin side?

What files are in includes/modules/payment? From what version was your site upgraded? What php version is currently being seen by your site (info is expected on the screen at admin screen version link at upper right.)

the error showed up on the actual payment modules screen not in the log file, i've not checked the log file though.
site was upgraded from 1.57b to 1.57c

im on php 7.4.12 according to server info. just also spotted the following on the server info page which is quite confusing?....

Zen Cart 1.5.7c
Database Patch Level: 1.5.7b

files in includes/modules/payment relating to square just square.php
if i add the square_handler.php it displays no settings options in the admin panel like they have glitched out, remove the handler from that folder and the settings page in admin panel returns to normal when you click on the square module and the settings appear when the page reloads

13 Jul 2021, 1:35 PM
#638
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Re: Square Payment Module for Zen Cart [Support Thread]

flappingfish:

the error showed up on the actual payment modules screen not in the log file, i've not checked the log file though.
site was upgraded from 1.57b to 1.57c

im on php 7.4.12 according to server info. just also spotted the following on the server info page which is quite confusing?....

Zen Cart 1.5.7c
Database Patch Level: 1.5.7b

files in includes/modules/payment relating to square just square.php
if i add the square_handler.php it displays no settings options in the admin panel like they have glitched out, remove the handler from that folder and the settings page in admin panel returns to normal when you click on the square module and the settings appear when the page reloads

This issue has now been fixed, hired outside help and i asked them what was causing it and im guessing its template specific or just a glitch in uploading a file? I got the following reply ive shared below incase it proves to be helpful to anyone with similar issues....

Hi Paul,
It was both a case of Jquery file being malformed (most probably due to character encoding during file upload) and square not recognizing the loaded jQuery file.
Hope this information helps!

31 Jul 2021, 4:18 PM
#639
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Re: Square Payment Module for Zen Cart [Support Thread]

Respectfully calling attention to post 606 as the situation has arisen again (expired OAuth Tokens).

The old renew method has been deprecated by Square and the new method is located at https://developer.squareup.com/docs/oauth-api/migrate-to-refresh-tokens

I'm just not able to determine how to apply this new method. A change in module core? A special file to run on startup? A cron job?

All options appreciated.

THANX

31 Jul 2021, 4:32 PM
#640
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Re: Square Payment Module for Zen Cart [Support Thread]

dbltoe:

Respectfully calling attention to post 606 as the situation has arisen again (expired OAuth Tokens).

The old renew method has been deprecated by Square and the new method is located at https://developer.squareup.com/docs/oauth-api/migrate-to-refresh-tokens

I'm just not able to determine how to apply this new method. A change in module core? A special file to run on startup? A cron job?

All options appreciated.

THANX

I just **corrected **this problem by installing the **newest **Square module available in the plugins **AND **updating to the newest Production API Version in Square.

I did not have to change the App ID or Access Token this time around.

Also, I needed to remove and re-add the module in Zen Admin Payments to clear the loose ended errors.

Zen Cart 1.56c - Twitch Base6 - Sonic (The Base6 code has no effect on how Square works with Zen relative to this module or the errors).