3Delta Systems

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CardVault

Below you will find frequently asked questions to CardVault, Payment WorkSuite’s enterprise-level data tokenization solution. 

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  1. How do I set up CardVault on my account?
  2. What is CardVault Silent Post and how does it work?
  3. What is CardVault Hosted Card Addition and how does it work?
  4. How do I retrieve a stored card after it was processed through the CardVault interface?
  5. What is a CardVault Silent Post Approval URL?
  6. What is a CardVault Hosted Card Addition Redirect URL?
  7. How do I update a stored credit card with Silent Post or Hosted Card Addition?
  8. What are the available Result URL configuration options for CardVault Silent Post?
  9. What are the available CardVault Silent Post Card Verification and Addition acceptance condition settings options?

 

How do I set up CardVault on my account?

To begin the process, send a request to inquire about adding CardVault to your Payment WorkSuite account services to our Customer Support Team at PaymentWorkSuite@3dsi.com.

We will escalate your request to our Client Management Team, and they will contact you to discuss your specific business needs, and explain the process and pricing.

Once your Technical Contact has been identified, we will send the CardVault coding specifications (API) and information about the testing process to that individual.

Your Technical Contact will then work with the 3DSI Technical Support Team to complete the certification process to use CardVault in production.

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What is CardVault Silent Post and how does it work?

3Delta System’s CardVault Silent Post Interface is an optional method of capturing sensitive credit card data without it passing through a merchant’s environment. A CardVault client can incorporate HTML and ASP code into a form presented by their web application to add a credit card to CardVault via Silent Post. This code will call a 3DSI CardVault web server directly from the web application user’s browser to add a card account to CardVault. As this call is made directly from the user’s browser to a 3DSI server, the CardVault client’s web server is completely bypassed. The card account data travels directly from the user’s browser to 3DSI’s server over a secure SSL channel.

The Silent Post call is made via a web POST to a 3DSI CardVault web server. Silent Post connects via SSL to an approval URL predetermined by the client during the certification process. 3DSI will POST a collection of approval data to this URL, providing the response values indicating acceptance or denial of the card data submission.

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What is CardVault Hosted Card Addition and how does it work?

3Delta System’s CardVault Hosted Card Addition Interface is an optional method of capturing sensitive credit card data without it passing through a merchant’s environment. This web page will be hosted directly on a 3DSI CardVault web server, collecting sensitive data directly from the web application user’s browser to add a card account to CardVault. As this call is made directly from the user’s browser to a 3DSI server, the CardVault client’s web server is completely bypassed. The card account data travels directly from the user’s browser to 3DSI’s server over a secure SSL channel.

A SOAP web service call is used to authenticate to 3DSI and obtain a Submission ID. This Submission ID is then provided to 3DSI via a query string when the CardVault client’s web server requests the Hosted Card Addition page. The page is rendered to the user, typically embedded in an iFrame, to which the user enters their sensitive credit card information. For added security, the Submission ID is only valid for 15 minutes from the time the page is rendered to the user, after which time it can no longer be used to submit a card storage request. General styling options are available for the client to leverage in order to make the hosted page blend more seamlessly with their application. When the user submits the page with a valid Submission ID, 3DSI will store the credit card in CardVault and redirect the user to a pre-configured URL that is defined by the client. Summary result data is provided to the browser on the redirect as a query string. Since the iFrame is redirected back to the client’s domain, the client regains full control of the page.

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How do I retrieve a stored card after it was processed through the CardVault interface?

There are two methods that can be used to retrieve stored data depending on what you are trying to achieve. You can use the “GetTokenForCardNumber” method to retrieve the token associated with a stored credit card number; or, you can use the “GetStoredCreditCard” method, which is used to retrieve the stored credit card data associated with a token value. If you need the process steps or more precise detail, please consult the CardVault API for the card retrieval process.

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What is a CardVault Silent Post Approval URL?

The CardVault Silent Post Approval URL is the URL value that the CardVault client specifies will be used to securely make web service calls to the 3DSI servers.

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What is a CardVault Hosted Card Addition Redirect URL?

The CardVault Hosted Card Addition Redirect URL is the URL value that the CardVault client specifies will be used by 3DSI to redirect the customer’s browser to after the completion of each transaction.

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How do I update a stored credit card with Silent Post or Hosted Card Addition?

The Silent Post and Hosted Card Addition products are strictly used for the addition and tokenization of card data on your account. If you need to modify the data around a credit card number and token then you would need to use the Card Vault Web Service.

There are two methods within the Payment WorkSuite CardVault Web Service Interface that allow for the modification of stored credit card data. The "UpdateStoredCreditCard" method is used to update all information associate with a stored record; the token and card number are the only values that always remain the same. The "UpdateStoredCreditCardExpirationDate" method is used to update only the expiration month and year associated with a stored record; all other data values remain the same.

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What are the available Result URL configuration options for CardVault Silent Post?

The configuration settings for CardVault Silent Post are as follows: (all optional)

  • Send Successful Token to User (Y/N)
  • Send Card Type to Result URL  (Y/N)
  • Send Card Last 4 to Result URL (Y/N)
  • Send Card Expiration to Result URL  (Y/N)
  • Return Card Funding Type (Y/N)

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What are the available CardVault Silent Post Card Verification and Addition acceptance condition settings options?

When using CardVault Silent POST Verify and Add, the optional settings listed below can be configured to only allow the storage of credit cards when certain conditions are met.

After a Card Verification request, store the credit card if the following conditions are met:

Card Security Code:

  • Matches
  • Ignore CSC Results

Address Verification:

  • Postal Code Matches
  • Postal Code OR Address Matches
  • Postal Code AND Address Matches
  • Ignore AVS Results

Unavailable Responses:

  • If the CSC response is "Unavailable", process it as "Matched"
  • If the AVS response is "Unavailable", process it as "Matched"

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