.Full balance integration offers a comprehensive range of services for network card transactions where the Pismo platform performs all the necessary card and account validations to authorize or reject a transaction.
For more information, see Full balance versus zero balance integration,
The basic steps of full balance integration workflow are:
- The user provides a merchant with the card information through any of multiple entry modes, such as contactless, chip, magstripe, or typing the card information in an online transaction gateway.
- The merchant's point-of-sale (POS) device or payment gateway formats a message with an authorization request to the acquirer. Acquirers own most POS devices.
- The acquirer sends a message to the card network.
- The card network sends a message to the processor, the Pismo platform.
- The Pismo platform performs a set of stateless and stateful validations on the message. An issuer can also customize some validations, see Customized card validations for a complete list.
- The Pismo platform validates the transaction.
- If the message is not valid, the Pismo platform proceeds to step 8 with the reply to the card network, declining the transaction.
- If the message is valid, the Pismo platform checks the account/card status, the limit, and the balance impact to authorize or decline the transaction.
- If anti-fraud integration is set up, the Pismo platform sends the message to an anti-fraud system for additional verification. For more details, see Anti-fraud integration.
- The Pismo platform sends back the authorization response to the card network in the pertinent protocol.
- The card network sends back the response to the acquirer.
- The acquirer sends the message to the merchant.
To simulate a network transaction authorization, see Simulate authorizations.
Updated 9 days ago