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. With full balance integration, you can connect to the Pismo authorization service and let the Pismo platform handle the following:
- Stateless validations (PIN, CVV, entry mode, and so on).
- Stateful validations (account/card status, limits, ATC, and so on).
- Operational rules (customize operating rules and limits for each account).
- Available limit and balance impact.
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.
Most POS devices are owned by the acquirer.
- 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.
Some validations can be customized by the issuer, including:
- Allow local currency to be used in international purchases.
- Allow transaction using card magnetic stripe.
- Check terminal capabilities (entry mode vs. terminal capability).
- Must verify cryptogram for contactless or chip transactions.
- Allow no-CVV and PIN validation for the card not present transactions.
- Disable Card Verification Method (CVM).
- Validate chip signature.
- PIN max error attempts.
- Application Transaction Counter (ATC) range validation.
- 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 8 months ago