Evertec
Evertec, Inc. is a leading electronic transactions and technology company headquartered in San Juan, Puerto Rico. Evertec operates in 26 countries in Latin America and the Caribbean, providing services in three key areas: merchant acquiring, payment processing, and business solutions.
Features
- Tokenization
- Credit Card Processing (Authorization, Capture, Cancel, Reversal)
- Debit Card Processing (Authorization, Capture, Cancel, Reversal)
- 3DS Secure 1.0/2.0
- Multi-Language Support (English/Spanish)
- Refunds (Full and Partial - CC only)
- Fraud Scoring
- Transaction Logging
UI Configuration/Processing Options Tab
Navigate as follows to add Evertec as part of your integration: Configuration > Payments > Payment Gateways/Collection Groups.
The following tabs are included for Evertec configuration:
- Merchant Account Details
- Processing Options
- Field Options
- Accepted Payment Methods
The Merchant Account Details tab contains the following fields:
| Field Name | Description |
|---|---|
| API URL | This is the Evertec endpoint URL used to make API calls. It is required at either the Payment Gateway or Collection Group level. The Collection Group value supersedes the Payment Gateway level value. |
| Merchant ID | The merchant login site identifier. |
| Secret Key | Your merchant secret key that is provided by the payment provider. |
The Processing Options tab includes the 3DS Authentication Settings section. This contains the following field:
| Field Name | Description |
|---|---|
| 3DS Notification URL |
For Evertec Smart Payments, Aria adds 3DS authentication followed by payment in a Direct Post configuration (as a reminder, Direct Post is a feature in Aria Billing Cloud that allows clients to process payments directly through their registration or user self-service (USS) applications). This is the URL the customer will be redirected to after completing the payer authentication. |
This tab also includes the API Response Settings section. This contains the following field:
| Field Name | Description |
|---|---|
| Language |
This setting changes the language of the messages returned by the API, allowing you to view responses in your preferred language. Please refer to Evertec’s documentation for a list of supported languages. The four options are as follows:
|
The Field Options tab contains the following fields:
| Field Name | Description |
|---|---|
| end_user_ip_address | This is the IP address of the customer for whom the action is being performed. This value is used for fraud prevention. |
| end_user_browser_agent | This is the user agent of the client's web browser. This can be used for statistical purposes but also to perform anti-fraud checks on transactions. |
Evertec allows the following Accepted Payment Methods:
- Credit Card
- Electronic Check (ACH)
- Tokenized Credit Card
- Tokenized ACH Payment
- ATH (A Toda Hora)
Supported Functionality
The following features are included as part of Evertec's Smart Payments integration:
- Credit Card Payment Authorization (Online payments)—This includes the following supported card brands:
- Visa
- Mastercard
- American Express
- Diners Club International
- Discover
- Credit Card Payment Capture/Sale
- 3DS-initial and final authorizations for supported card brands (Visa and Mastercard—pay_method =1)
- Authorization reversals (reversing pre-authorizations)
- Full and partial refunds for Credit Card payments
- ACH payment support (pay_method = 2)
- Tokenized ACH payment support (pay_method = 48)
- ATH payment support (ATH is an interbank network connecting financial institutions in Puerto Rico and the Caribbean—pay_method =50)
- Kount
fraud scoring support for pay methods 1 and 13 (Credit Card and Tokenized Credit Card) - Transaction logging for all actions via the Evertec adapter
Note: Currently, USD is the only supported currency for Evertec Smart Payments.
API Enhancements
For Evertec, use the remove_acct_payment_method_m API to invalidate a token used for tokenized payments. Once the token is invalidated/deleted, the same token cannot be used again for future billing transactions.
Invalidate/delete the token through the following API inputs:
- <payment_method_no> where the token (<agreement_id>) is associated
- <acct_no> for which the token is to be invalidated
Additionally, the following input parameter has been added to enable ACH payments:
| Name | Field Length | Description |
|---|---|---|
| <payment_method_verification_code> | 1000 | The code provided by the account validator. |
Notes:
- Evertec doesn't support authorization and only direct payment action.
- Evertec also does not support refunds for ACH payments.
- Tokenized and non-tokenized ACH pay methods are supported by the APIs listed below.
This new input parameter has been added for the following APIs: