Card Payments
Päivö Eerola
Päivö Eerola
Payments in Sweden
source: Så betalar svenskarna 2019, Riksbanken
Card Payments
Actors
Transaction Types
- Card Present
- MOTO: Mail Order / Telephone Order
- ECOM: E-commerce
Online Transaction
PCI DSS
Sensitive Data
- Primary Account Number, PAN
- Card Security Code, CAV2/CVC2/CVV2CID
- Magnetic Stripe Data
- PIN
| Type | # Questions |
|---|---|
| SAQ A | 22 |
| SAQ A-EP | 191 |
| SAQ D | 250 |
| ROC | onsite audit |
Requirements
Integration Methods
| Method | SAQ TYPE | # Questions |
|---|---|---|
| Outsourced | SAQ A | 22 |
| Redirect | SAQ A | 22 |
| iFrame | SAQ A | 22 |
| Direct Post | SAQ A-EP | 191 |
| JavaScript | SAQ A-EP | 191 |
| API | SAQ D | 250 |
Payment Types
Regular
required for every transaction:
- Primary Account Number
- Card Security Code
- 3D Secure
Tokenized Card
required for every follow on transaction:
- Card Security Code
- 3D Secure
Reaccuring Transaction
required for every follow on transaction:
- API call
EMV 3D Secure
PSD2
&
EMV 3D 2.0
Charge Back
Getting Started
- Go to payfunc.com
- Integrate using test account
- Register as Merchant
High Risk Merchants
- High Fraud Risk
- High Regulatory Risk
References