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Credit Card

Richard Blechinger edited this page Aug 29, 2018 · 8 revisions

A credit card is a payment card issued to consumers as a payment method allowing the card holder to pay for goods and services based on the holder's promise to pay for them. The card issuer (usually a bank) creates a revolving account and grants a credit line to the card holder from which the card holder can borrow money for payment.

A credit card is issued to a consumer (i.e. card holder) at the time or after an account has been approved by the credit provider, which need not be the same entity as the card issuer.

For transactions where the card is not shown (e.g. e-commerce, mail order, and telephone sales), merchants verify that the consumer is in physical possession of the card and is the authorized user by asking for additional information such as the CVC (Card Verification Code), date of expiry, and billing address.

Each month, the card holder receives a statement indicating the purchases made with the card, any outstanding fees, and the total amount owed.

Credit Card Configuration

To access the credit card configuration page, select
Configuration / Basic settings / Additional settings / Wirecard

CreditCard Configuration

Non 3-D Secure And 3-D Secure Limits

Depending on the order value, you might consider both reducing payment risks and keeping the payment process simple. Therefore, the Extension allows for configuring Non 3-D Secure and 3-D Secure limits.

The following examples assist you in setting the limits properly according to the order value:
Non 3-D Secure and 3-D Secure limits

The limit settings here need to match the limit settings defined in your acquirer contract. Acquiring contract settings may not be overruled by Extension settings.

Payment Action

Credit card payment via Wirecard Payment Processing Gateway may be performed in two different ways, i.e. with two different payment actions:

  1. Authorization: Payments for orders are not captured/invoiced but only authorized by the consumer and thus only reserved. For debit, you have to confirm/capture the amount manually.
    • This payment action triggers the transaction type authorization for payment method credit card.
    • The order created in Shopware order management will be labelled as "Reserved" (payment status).
  2. Purchase: Set payment action to "Purchase" to invoice payments of orders automatically.
    • This payment action triggers the transaction type purchase for payment method credit card.
    • The order created in Shopware order management will be labelled as "Completely paid" (payment status).

Send Additional Information

If this feature is activated, additional data will be sent for the purpose of fraud protection. This additional data includes billing/shipping address and shopping basket. For subshops Inherited can be selected to inherit this option from the main shop configuration.

Fraud Protection

One-Click Checkout

Credit card payments via Wirecard Payment Processing Gateway also allow recurring payments, which allow consumers to checkout without having to re-enter their credit card details.

One-Click Checkout

If this feature is enabled, the consumers will be asked to save the credit card details for later use (recurring payments, one-click checkout).

The credit card will be listed as one of the available payment methods the next time the consumer proceeds to the checkout. Credit card details must not be modified. However, you may delete it.

Supported Post-Processing Operations

To access post-processing operations, go to Customer / Payments / Wirecard / Transactions to open the transaction table which lists all transactions:

Wirecard Transactions

Click the pencil (OpenIcon) on a transaction to open the order details. Select the Wirecard Tab for all available post-processing operations, e.g.:

Wirecard Order Tab

According to your "Payment Action" settings, there are different options for credit card post-processing operation workflow:

Payment Action Authorization

  1. Cancel: Triggers transaction type "void-authorization". The payment will be canceled/voided, and the corresponding order in Shopware order management will be updated to payment status "The process has been canceled".
  2. Capture: Triggers transaction type "capture-authorization". You can type an amount for partial capture. The payment will be captured/invoiced, and the corresponding order in Shopware order management will be updated to payment status "Completely paid".
  3. Refund: Triggers transaction type "refund-capture". You can type an amount for partial refund. The payment/invoice will be refunded, and the corresponding order in Shopware order management will be updated to payment status "Re-crediting".
  4. Cancel / Refund: Triggers transaction type "refund-capture". The payment/invoice will be refunded, and the corresponding order in Shopware order management will be updated to payment status "Re-crediting".

Payment Action Purchase

  1. Refund: Triggers transaction type "refund-capture". You can type an amount for partial refund. The payment/invoice will be refunded, and the corresponding order in Shopware order management will be updated to payment status "Re-crediting".
  2. Cancel / Refund: Triggers transaction type "refund-capture". The payment/invoice will be refunded, and the corresponding order in Shopware order management will be updated to payment status "Re-crediting".

Please be aware that stock management is not included in the post-processing operations triggered in Wirecard Payment Gateway but only in Shopware order management.

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