Verified by Visa - how does zencart handle?

Anybody know how ZenCart handles the "Verified by Visa" program?? Wells Fargo has it, where they require their own separate password when shopping online. Does zencart redirect to the correct password page automagically? (I hope!). So far no issue with it, but a friend has a card that does that and I just wonder how that impacts things. Do the transactions go through and just ignore the extra password? Or are they declined?

https://www.wellsfargo.com/credit_cards/services/protect/verified

The verified by visa is a javascript that pops up a seperate box,
Zen Cart dosnt have that code included there are several third party vendors that have created software for it,

however I would suggest researching it a little more,
its NOT all its cracked up to be..

Ah ha. More info
http://usa.visa.com/personal/security/visa_security_program/vbv/shop.html

They say:
"What is Verified by Visa?

Verified by Visa is a unique service that uses personal passwords or identity information to help protect Visa card numbers against unauthorized use. Once activated your Visa card number cannot be used for online purchases without your personal password. Verified by Visa is available for most Visa cards from participating financial institutions."

So I guess my question is, how to integrate this? Anybody ever done that, or need to?

Ah ha. Hopefully it hasn't caught on too much as folks may be prevented from parting with their money :)

From a usability point of view it was confusing for my friend (who just got his first comptuer ever) to have this extra layer of stuff to click on while shopping. It seems he is now restricted to shopping only on participating websites with that card...

Correct the site owner has to want to part with a BIG chunk of cash, and have a merchant that actually uses VV and MCS

Further research:

Looks like Visa has a list of vendors that do the integration - but of course they aren't endorsed in any way by Visa.
http://usa.visa.com/download/business/accepting_visa/ops_risk_management/verified_by_visa_merchant_service_providers.pdf

They use a server certificate scheme called "3-D Secure" to do the verification.
http://partnernetwork.visa.com/pf/3dsec/certs.jsp

I'm betting it won't fly too well on a shared server. But who knows...

OK,
the software for 3d secure runs around 1500 if im not mistaken and its a JAVA script that needs to be on SSL
but shared server dosnt matter

Hi all. I'm really really interested if someone has succesfully integrated verified by visa into zen cart?

We'd really need to active the service since we need to stop using paypal which confuses our cash flows and accounting. Foreign services (which might be a lot better.. fex the password thing) that process credit cards are also disclosed since our bank or any finnish bank doesn't seem to support services like that and foreign wires cost too much for us. And the people here seem to trust the service since it is used by the most of the shops.

If anyone can even point me to the right way where and how to start, I'd be grateful since now our shop remains closed until problem is solved.

OK,
first you need to make sure that your merchant gateway and account support secured by MC and verified by Visa.

thats step 1.

step 2 is to visit the vendors list above and purchase the program,
its around $1500 I believe.

Merlin what I think we dont to buy any software since that is taken care by our bank or by the local credit service. The problem is how to integrate it with zen and make a module for it?

poosk:

Merlin what I think we dont to buy any software since that is taken care by our bank or by the local credit service. The problem is how to integrate it with zen and make a module for it?

Merlin I'm currently trying to make a payment module for zencart using the credit processor who uses verified by visa service but I'd need a php prophet (read you) to help me out.

http://www.zen-cart.com/forum/showthread.php?t=52142

please?

OK the processor is only part of the equation,

You need to get 3dsecure code,
here is a List ov Vendors

this code actually also needs to be included.

so the process is

1. merchant needs to use 3d secure
2. gateway needs to use it
3. 3dsecure code must be present, ( requires purchase )
4. then it can be added into your code individually.

this is an excerpt from mastercard

What steps do I need to take to support MasterCard SecureCode?

Programming to support MasterCard SecureCode may already be available through your transaction processor. As an online retailer, all you need to do is:

1. Contact your transaction processor to confirm that they support the MasterCard SecureCode program. If they do not, please send an e-mail to: [email protected].
2. Install a MasterCard SecureCode compliant "plug-in" application on your site.
3. Test your site with MasterCard to ensure that SecureCode is working properly.
4. Display the MasterCard SecureCode logo to let your customers know that you are working to secure Internet shopping.
5. Transmit transaction authentication values to the card issuer via your normal authorization process using the Universal Cardholder Authentication Field (UCAF).

Back to top

the entire page can be found Here

So I apologize to poosk but you see, you do need to purchase the plugin.

Merlin I am sure that I don't need any plugins or extra softwares and I guess the final authentication process is taken care by the credit issuer "Luottokunta" the local credit authority. It is joint company owned by the local banks and they handle all(?well most of them. I dont know for sure) local retailer transactions online and in the real world..
I've made sure with them that we don't need any plugins or software and they didn't even seem to know what 3d transaction is(neither do I though...:) I guess it is like a local paypal or something... anyway if I need one I will be sure they will provide it or I'll get it from third party vendor.

anyway my main concern for now is HOW can I transact a order number to them (like the code was in the oscommerce code I provided) It can be up to 9 numbers and it needs to be different with every transaction. The rest of the code from osc with slight modifications seems to work (I guess.. I haven't activated the service yet since I don't know can I make that code to work. and they don't have a test url.. and for now I'm getting Fatal error: Call to undefined function: zen_db_num_rows() )

I received the documents today and only thing I need is to have an ssl and provide following information to them which I think I managed to get past already besides the order number.

Merchant_Number

Card_Details_Transmit

Language

Device_Category

Order_Number

Ecom_Payment_Card_Number

Ecom_Payment_Card_ExpDate_Month

Ecom_Payment_Card_ExpDate_Year

Ecom_Payment_Card_Verification

Amount

Currency_Code (only eur)

Order_Description

Success_Url

Failure_Url

Cancel_Url

Transaction_Typ

Authentication_Mac

<FORM ACTION="https://dmp.luottokunta.fi/paymentwebinterface/webpayment " METHOD=POST> <INPUT TYPE=HIDDEN NAME="Merchant_Number" value="7778883"> <INPUT TYPE=HIDDEN NAME="Card_Details_Transmit" value="1"> <INPUT TYPE=HIDDEN NAME="Device_Category" value="1"> <INPUT TYPE=HIDDEN NAME="Order_Number" value="987654321"> <INPUT TYPE=BOX NAME="Ecom_Payment_Card_Number" value="4920190012345678"> <INPUT TYPE=BOX NAME="Ecom_Payment_Card_ExpDate_Month" value="11"> <INPUT TYPE=BOX NAME="Ecom_Payment_Card_ExpDate_Year" value="2005"> <INPUT TYPE=BOX NAME="Ecom_Payment_Card_Verification" value="123"> <INPUT TYPE=HIDDEN NAME="Amount" value="12345"> <INPUT TYPE=HIDDEN NAME="Currency_Code" value="978"> <INPUT TYPE=HIDDEN NAME="Order_Description" value="Olli Ostelija Ostoskatu 8 02210 ESPOO"> <INPUT TYPE=HIDDEN NAME="Success_Url" value="https://www.kauppapaikka.fi/success?order=987654321"> <INPUT TYPE=HIDDEN NAME="Failure_Url" value="https://www.kauppapaikka.fi/failure?order=987654321"> <INPUT TYPE=HIDDEN NAME="Transaction_Type" value="1"> <INPUT TYPE=HIDDEN NAME="Authentication_Mac" value="2EB412523563AEC5587458C1AE93B736">

And merlin I have no clue how to make the order number to work... Can I use zencart order number somehow or is it the same thing with osc that the number is provided after the transaction is confirmed?

poosk,

Please read the documentation I sent you,

you have to have the plugin to get the information from your site,
and well that software has to be 3d secure and
well it has to be approved by the companys that its protecting...

See I researched the hell outta this about 5 months ago,

and when I found out that the plugin IS required and is more money than I wanted to part with, I dropped it.

Please take the time to read EXACTLY what the requirements are.

this one in particular
2. Install a MasterCard SecureCode compliant "plug-in" application on your site.

( this is the same code for verified by visa )

Merlin I do appreciate your knowledge and research on it but it is different down here than in us.. they handle it with md5 authentication (I dont know is the plugin thing any same) but anyway the same thing we now use with our local payments (though only works with one local bank...)

I will make sure from all this again by phone tomorrow.
The credit issuer has though informed that they will be changing the process at some point next year and it might involve the plugins and whatnots, but they are due to inform about it during this month.

For now I just want to know if it is possible and how to make a code in zen which creates different 9 number combination for every checkout..

Merlin I did verify that there's no need for any plugins since they handle the transaction through their server or something so we don't need any 3d plugins.

but what I still need is someone to explain how can I create unique order number for the module since I'm not able to make it myself and thus make the whole plugin..

use the customers ID number and the date

This may help i did a search for mastercard secure code to see if zen had a module for it. i found these to Threads they are not a help to me as my merchant provide is not one of the two listed but might help someone out.

Cardinalcommerce Payer Authentication Module

http://www.zen-cart.com/forum/showthread.php?t=26745&highlight=mastercard+securecode

InternetSecure Payment Module RC V3.00 Release

http://www.zen-cart.com/forum/showthread.php?t=37509&highlight=mastercard+securecode

sorry to cut in but Conor has upgraded his Protx direct module to be VV / MCSC Functual.