support@protx.com
 

Card Types
 
 
Quick Links:
Which cards do Protx support?
Which cards can I process?
How do I set up card-types on my account?
How do I test these cards?
What about card fraud?
Where can I get the card logos?
 


Card types are the Credit and Debit cards that you use on the high street. Credit / Debit card transactions are processed differently on the Internet so some vendors may not be able to process all card types.



 Which cards do Protx support?
 
Protx support all the major cards;



  •   Visa

  •   Visa Delta/Debit

  •   Visa Electron

  •   Mastercard

  •   UK Maestro

  •   Solo

  •   American Express

  •   Diners Club

  •   JCB

  •   International Maestro
         (International Maestro cards must be 3D Secure Authenticated and a fixed rule base will         need to be applied to only allow 3D Authenticated transactions)


We do not support:
  1. Purchasing or Corporate cards
  •  Protx are a 'Business to Consumer' service not a 'Business to Business' service and do not  support the VGIS module, ('line item detail' features).

  1. International Electron cards
  •  Only UK Electron is supported.

  1. Laser cards
  •  We recently integrated with Elavon and will shortly be supporting this Bank of Ireland  card.
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 Which cards can I process?


The card types you are allowed to process are directly related to your Merchant Agreement that you have with your Acquiring bank. The cards you are allowed to process are agreed between you and your bank when you obtained your Internet Merchant Number.

It also depends on the currencies you support.
  •   GBP Merchants can process all standard cards.
 
  •   Multi-currency Merchant numbers are restricted to Mastercard, Visa and the Visa   Delta card types:
 


Not all acquiring banks process all cards. Amex, Diners and JCB process and settle their own transactions and require you to have an Internet Merchant agreement directly with them. You will not be able to process these card types unless you have an Amex, Diners and JCB Internet Merchant Number.


NB: When you register with Protx you select the card types you know you are able to support. Selecting card types you do not support will only cause transaction failures or settlement issues.

The following cards can be processed through your acquiring bank
VISA
A Visa Credit card for processing all currencies.
VISA DELTA
A Debit card for processing all Currencies.
(Processed as DELTA not VISA)
VISA ELECTRON
A Debit card for processing GBP only.
(Processed as UKE not VISA)
MASTERCARD
A MasterCard Credit card for processing all currencies.

UK MAESTRO
SOLO

These are MasterCard Debit cards. Protx will process payments for UK merchants ONLY with settlement in GBP.

SWITCH cards are being re-branded as 'Maestro'. However, SWITCH branded cards can still be accepted for transactions until 31st July 2007.

Maestro cards will be passed as a card Type of 'SWITCH'.

International Maestro cards are now supported by Protx. These cards must be 3D Secured and a fixed rule base will need to be applied to only allow 3D Authenticated transactions otherwise they will be failed.
The following cards are processed through the Card issuer and a specific Internet Merchant Number is required directly from the Acquirer:
American Express

Protx can process and settle payments in most currencies. Merchants will need to obtain an Internet Merchant Number for each currency that they wish to process through American Express.

To Apply for an American Express merchant number please Click here
Diners Club

Protx can process and settle payments in EUR, GBP and USD. Merchants will need to obtain an Internet Merchant Number for each currency that they wish to process.

To Apply for Diners Club please Click here
JCB
(Japan Credit Bureau)

Protx will process payments for UK merchants ONLY, with payments and settlement in GBP, EUR & USD. Merchants will need to obtain an Internet Merchant Number for each currency that they wish to process.

NB: For Barclays Merchant Services & Natwest Streamline Merchants, you will be able to process this card type as long as the bank has set you up to do so. All other banks require a JCB Internet Merchant Number.

To Apply for a JCB Internet Merchant Number please Click here


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 How do I set up card types on my account?


When you register with Protx you select the cards that you wish to process.

If you already have an account with Protx and wish to accept more cards/currencies, you will need to confirm with your acquiring bank that you can support the option you require and that you have the correct Internet Merchant Number if applicable. You will then need to email the support team
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 How do I test these cards?


If you are using our VSP Server or VSP Form Services, the card type will appear on the payment pages in the cart type drop down list.

If you are using our VSP Direct Service, you will capture the card details and pass them to Protx to obtain authorisation.

Card Types to be used in your script are:

  •   Visa = VISA

  •   Visa Delta/Debit = DELTA

  •   Visa Electron = UKE

  •   Mastercard = MC

  •   UK Maestro / EDC Maestro = SWITCH

  •   International Maestro= MAESTRO

  •   Solo = SOLO

  •   American Express = AMEX

  •   Diners Club = DINERS

  •   JCB = JCB

For testing transactions on the Protx test server, use the following card numbers.

NB: there are NO dummy cards to use on the Live server. Actual Live bank cards must be used.

Card Type Protx Card Name Card Number Issue Number
Visa VISA 4929000000006 n/a
Visa Delta DELTA 4462000000000003 n/a
Visa Electron UK Debit UKE 4917300000000008 n/a
Mastercard MC 5404000000000001 n/a
UK Maestro MAESTRO 5641820000000005 01
International Maestro MAESTRO 300000000000000004 n/a
Solo SOLO 6334900000000005 1
American Express AMEX 374200000000004 n/a
Japan Credit Bureau (JCB) JCB 3569990000000009 n/a
Diners Club DC 36000000000008 n/a


You'll also need to supply an Expiry Date in the future and the following values for CV2, Billing Address Numbers and Billing Post Code Numbers. These are the only values which will return as Matched. Any other values will return a Not Matched.

CV2: 123
Billing Address: 88
Billing PostCode: 412


You'll also need to enter the 3D Secure password as password (it's case sensitive) so that the 3D Secure authentication returns Fully Authenticated.

Please note that the Protx test server is not integrated with any banks, therefore no monies will be transferred as a result of these tests.
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 What about card fraud?


Protx provide the following Card Fraud protections options:

  • Address Verification (AVS) & Security Code Verification (CV2) - Protx passes the shopper's card and address details to the bank / card issuer to check against their records. They will confirm if they match or not. NB: AVS is for UK addresses only.

  • 3D Secure Authentication - where card issuers enable cardholders to join the Verified by Visa and MasterCard SecureCode authentication scheme, cardholders can then use a password to identify themselves to the card issuer when they pay online (using a credit card from Visa or MasterCard).
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 Where can I get the card logos?


You can download all the card type logo's from our downloads section.

Please click here if you wish to contact one of the acquiring banks.
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