Introduction to Virtual

The Virtual Payment Solution makes use of Wirecard's hosted payment page. This is a popular solution mainly due to the ease of integration into the solution and the high level of Security that it provides to merchants.

The Virtual Solution also has the ability to be customized to such an extent that your client would feel as though they are on your website while making payment, ensuring peace-of-mind throughout the entire checkout process.

The Virtual solution offers the ability for a merchant to customise the logo, colours and details displayed on the payment page so that the cardholder does not feel that they are leaving the merchants website. The Virtual Payment Page is operating behind TLS (Transport Layer Security) security protocol and all information that is captured on the payment page is encrypted using 128-bit encryption ensuring that your client's credit card details are kept safe.

Virtual Features

• The merchant is not required to implement TLS, therefore saving costs.
• Both the merchants logo and details can be hosted on the payment page.
• CSS Editor allowing full payment page customization.
• Email confirmation can be sent to card holder for successful purchases.
• The Fraud Module can be configured to help reduce fraud.
• Failure and Success Pages can be configured to be displayed by Wirecard.
• Additional detail such as shipping address and purchase items can be displayed on the payment page
• This is a quick and easy method which ensures less programming.
• Basic development skills are required.

Virtual Payment Process

One of the main benefits of utilising the Virtual Solution is the simplicity in which to integrate it into your online website. It requires less development work than other Wirecard Solutions and security measures are already incorporated by Wirecard.

Virtual allows the merchant to utilize the Wirecard payment webpage. This means that your clients will be directed to Wirecard's Payment Page where they will enter their credit card details in order for the transaction to be completed. The payment information which Wirecard requires is posted to Wirecard via a form POST. This POST can be done in any language that supports this method.

Illustration: Virtual Payment Process

Step 1 – Cardholder makes purchase from merchant's website.
Step 2 – Merchant creates form post to Virtual payment page.
Step 3 – Wirecard processes the transaction to the merchant Bank.
Step 4 – The merchant bank processes the transaction and returns a successful or declined message.
Step 5 – Wirecard returns this result and/or error code with error description back to the Merchant
Website address specified in the form POST.
Step 6 – If the functionality is set up (from the Wirecard Web Console) Wirecard will notify the card
holder via email of the transaction details and the merchant via email.

General Requirements for Using Virtual

• Website – You must have a website or shopping cart and have ability to load sample code or shopping cart code to the site.
• Internet Merchant Account – You are required to have an internet merchant account with a bank.
• Internet Connectivity – Internet connectivity is required to post the transaction.
• Internet Service Provider (ISP) – An ISP is required to host your site.
• Wirecard issued Merchant ID and Application ID – Required parameters when sending your form post.

Internet Merchant Account

An Internet Merchant Account is required to accept credit card transactions over the internet. If you have an Internet Merchant Account you need to supply these details to Wirecard before going Live. If you do not have an Internet Merchant Account, Wirecard can assist you with your application to the acquirer (bank).

Note: An Internet Merchant Account is a different type of merchant account than what is used for card present / POS transactions.  You will need to apply for an Internet Merchant Account even if you already accept credit card transactions from your store.

Security – Server Passwords

You need to apply security best business practice to ensure that confidential data and card detail are protected while either being stored in the database or while data is being transmitted. It is suggested that you encrypt key information issued to you by Wirecard such as merchantID, applicationID and transaction index.

Note: To reduce fraud or potential incidents it is recommended to encrypt any passwords that give access to your server.

TLS

TLS (Transport Layer Security) is a security protocol that ensures that data being captured on Wirecard's payment page cannot be read by encrypting the data using two encryption keys. The Virtual solution does not require a merchant to implement TLS protocol as this is handled by Wirecard.

Integration

Form Post URL

The form post URL is the Wirecard URL used to submit the form post to.  Wirecard provides the following URL for both Live and Test. 

Test URL : https://staging-apiv2.wirecard.co.za/product/payment/v1/initialisevirtualCopy URL to clipboard

Production URL : https://apiv2.wirecard.co.za/product/payment/v1/initialisevirtualCopy URL to clipboard

Note: Mode has been deprecated and should always be 1. For testing please use the staging url.

Testing

View all ApplicationUIDs

For testing purposes, we have provided a MerchantUID and ApplicationUID's in multiple currencies.

MerchantID: 9ba5008c-08ee-4286-a349-54af91a621b0

When going live, these will need to be replaced in your code by using the Wirecard issued MerchantID and ApplicationID.

Test Cards

Test Cards are used to perform test authorizations to Wirecard. Test Cards will only work when using the test URL. Test Cards transactions will not go to the acquirer.

Test Card Types

• Visa
• MasterCard
• Amex
• Diner
• Maestro

Note: Test Cards will only work when posting to the test URL.

Non 3D Secure Test Cards

Visa Successful
Card Name	Joe Soap
Card Number	4111111111111111
Card Type	Visa
Expiry Date	Any date in future
CVV Number (last 3 digits on back of card)	any cvv
Visa Declined
Card Name	Joe Soap
Card Number	4242424242424242
Card Type	Visa
Expiry Date	Any date in future
CVV Number (last 3 digits on back of card)	any cvv
MasterCard Successful
Card Name	Joe Soap
Card Number	5100080000000000
Card Type	MasterCard
Expiry Date	Any date in future
CVV Number (last 3 digits on back of card)	any cvv
MasterCard Declined
Card Name	Joe Soap
Card Number	5404000000000001
Card Type	MasterCard
Expiry Date	Any date in future
CVV Number (last 3 digits on back of card)	any cvv
Amex Successful
Card Name	Joe Soap
Card Number	370000200000000
Card Type	AMEX
Expiry Date	Any date in future
CVV Number(last 3 digits on back of card)	any cvv

Amex Declined
Card Name	Joe Soap
Card Number	374200000000004
Card Type	AMEX
Expiry Date	Any date in future
CVV Number(last 3 digits on back of card)	any cvv
Diners Successful
Card Name	Joe Soap
Card Number	36135005437019
Card Type	Diners
Expiry Date	Any date in future
CVV Number(last 3 digits on back of card)	any cvv
Diners Declined
Card Name	Joe Soap
Card Number	36135182434011
Card Type	Diners
Expiry Date	Any date in future
CVV Number(last 3 digits on back of card)	any cvv
Maestro Successful
Card Name	Joe Soap
Card Number	5641821111166669
Card Type	Maestro
Expiry Date	Any date in future
CVV Number(last 3 digits on back of card)	any cvv
Maestro Declined
Card Name	Joe Soap
Card Number	6759411100000008
Card Type	Maestro
Expiry Date	Any date in future
CVV Number(last 3 digits on back of card)	any cvv

3D Secure Test Cards

Visa Successful
Card Name	Joe Soap
Card Number	4000000000000002
Card Type	Visa
Expiry Date	Any date in future
CVV Number (last 3 digits on back of card)	any cvv
Visa Failed
Card Name	Joe Soap
Card Number	4000000000000010
Card Type	Visa
Expiry Date	Any date in future
CVV Number (last 3 digits on back of card)	any cvv
MasterCard Successful
Card Name	Joe Soap
Card Number	5200000000000007
Card Type	MasterCard
Expiry Date	Any date in future
CVV Number (last 3 digits on back of card)	any cvv
MasterCard Failed
Card Name	Joe Soap
Card Number	5200000000000023
Card Type	MasterCard
Expiry Date	Any date in future
CVV Number (last 3 digits on back of card)	any cvv

Test CCV

As additional account security, every credit card comes with a special three or four digit code generally known as a CVV2 or CVV number. Cardholders will be requested to enter this when processing an online payment. An identity thief who has come across credit card information illegally will not have access to the CVV number if they do not have physical access of the card.

Go Live Checklist

Overview

Use the Go Live Check List to make sure that you have completed all necessary tasks before going live. Please ensure that the following criteria have been met:

Configuration

1. Virtual Form Post have been embedded onto your website

2. Merchant Payment Page have been configured in Wirecard Web Console

3. Referral URL has been added in Wirecard Web Console

4. Merchant ID and Application ID of the “Merchant” (NOT test Merchant ID and Application ID) is being used in your message type.

Testing

1. Test a Successful Transaction using our Virtual Test Cards

2. Test a Decline transaction using our Virtual Test Cards

3. Test transactions are visible in Wirecard Web Console

Go Live

1. Merchant received Go Live email from Wirecard. This email will contain the merchants Customer ID and Merchant ID .
   (If not, have merchant contact support.za@wirecard.com)

2. Ensure that you are using the Live URL.

3. Ensure that you have added a referral URL.

4. Perform Live transaction with Live card

Integration Support

Merchants

If you are a merchant that has signed up with Wirecard's Virtual solution, you will have access to Wirecard's Integration Help Desk for telephonic and email support. Telephonic support is available 8am to 5pm GMT +2. Email support is 8am to 5pm GMT + 2 and connects directly to our help desk through our ticketing system.

Developers

If you are a developer that you will have access to Wirecard's Integration Help Desk for email support. Email support is 8am to 5pm GMT + 2 and connects directly to our help desk through our ticketing system.

If you send an email you will immediately be emailed back a reference to track your integration query.

Email: support.za@wirecard.com

JSON Web Token (JWT)

The JSON Web Token (JWT) is not required in the request, however, we do include it in the response which can then be decoded and utilised as needed by the merchant.

Example JWT

eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJtdWlkIjoiMzQ4OEJGNzItMDFFNi00REU1LUI2NjAtMUZFQTdGOUE0Q0NBIiwiY3VpZCI6IjM0ODhCRjcyLTAxRTYtNERFNS1CNjYwLTFGRUE3RjlBNENDQSIsImp0aSI6IjUyMjViZmQ1NDExMWFzZGNhM2EiLCJpYXQiOjE1NTI5MTMzOTgsImV4cCI6MTU1Mzk5OTc5OH0.d8uEgDew3SiUxpe-Kyp3NqZJgJo75FlRN5G3AXohk5Y

Decoded Response Example

{
"jti": "[B@51c83aae",
"iat": 1612528158,
"cuid": "BAAB2819-7286-49D3-8AD3-1212B3B40C2A",
"auid": "A50376D2-0CDF-46DF-BDDD-30F0B514D853",
"result": -1,
"transactionIndex": "5bb926df-68ed-4154-bf01-cd1e7f2278a5",
"mref": "DV_LNMnOi8bUn",
"amount": "0.02",
"mode": "1",
"tkn": "",
"puid": "e36bdd6e-c9c1-4aa6-a10d-8f0ce9b6d361",
"exp": 1612528758
}

For further reference please visit https://jwt.io/

HTML Sample

If you have in‐depth HTML knowledge or web development skills you can create more variables. The below examples could be applied if you have a web application or shopping cart. The Below HTML example shows how your form POST could look when extensive information is getting sent to Wirecard:

The below code can be copied into your code for testing purposes. Please note however, that before going live, you will need to change the details in the above example.

Note: The Virtual solution does not support iframes, if you wish to process payments without the user leaving your website please consider the enterprise solution.

Reference Submit Form Post