Click To Pay
概述
Click to Pay 是一个智能的免密码在线结账选项,可提供快速、轻松的结账体验,目的是让所有设备上的“来宾结账”更快、更轻松。Click to Pay 为所有参与的卡组织(包括 Mastercard、Visa、American Express、Discover 等)提供单一结账按钮和标准化的结账流。Click to Pay 基于 EMVCo 的 SRC 规范构建,取代了 Masterpass、Visa Checkout 和 Amex Express Checkout。
付款人可以使用电子邮件地址创建 Click to Pay 个人资料。结账过程中,付款人必须提供此电子邮件地址,并使用一次性密码 (OTP) 执行额外的验证步骤。他们还可以选择“记住我”选项,在后续的结账中使用同一个浏览器时跳过验证。付款人可以在他们的 Click to Pay 个人资料中存储多个信用卡、借记卡或预付卡,关联的账单地址和多个送货地址。卡详细信息会被安全地存储,并通过在可能的情况下提供网络令牌化来提供额外的安全性(必须启用网络令牌化的市场接受功能)。Click to Pay 允许您的付款人选择要用于付款的付款详细信息;但是,付款本身使用在网关中为您的商家配置文件配置的收单行来处理。
如果您使用自己的付款页,通过 JavaScript SDK 支持 Click to Pay“嵌入式体验”。Click to Pay 目前仅在部分国家/地区可用。请与您的支付服务提供商确认您所在的国家/地区是否可用。对于 Mastercard、Visa 和 American Express 卡,Mastercard Payment Gateway 从 API 版本 62 起支持 Click to Pay“嵌入式体验”。您需要首先使用 MTF 环境构建集成,然后在生产环境中上线。
主要优点
Click to Pay 具有以下优点:
- 结账流中“嵌入”智能消费者识别,可跨所有设备发起更快的来宾结账(无需记住密码)。
- 减少点击次数和手动卡输入,最终提高转化率,实现顺畅的体验。
- 通过网络令牌化,增加提高授权审批率的几率,帮助减少可预防的拒绝。
- 基于 EMVCo Secure Remote Commerce 标准构建,可在电子商务来宾结账付款时间创建一致的用户体验并降低欺诈率。
- 安全交换付款数据,包括卡详细信息、账单和送货地址详细信息。
先决条件
如果您希望将 Click to Pay 作为结账选项提供给付款人:
- 与您的支付服务提供商联系,确定您可以使用 Click to Pay。
- 从 Merchant Administration 中的管理菜单,单击 SRC 配置,按照说明注册 SRC 并为您的商家配置文件启用 SRC。您必须有所需权限才能更新 SRC 配置。
交互序列流图示
下图详细显示了每个 Click to Pay 流的 Web 服务 API 和 JavaScript 操作。
新卡/付款人
返回通过 Cookie 识别的付款人
返回通过电子邮件识别的付款人
Click to Pay 付款详细信息
此部分介绍为 Click to Pay 交互返回的付款详细信息。
为 Click to Pay 交互返回的付款详细信息类型
Click to Pay 支持返回不同类型的付款详细信息以进行处理。Click to Pay 系统返回的付款详细信息取决于网关请求的类型、您在 Click to Pay 系统中的配置以及卡组织。Click to Pay 通常会返回网络令牌、令牌过期时间和完整密文(如果卡组织支持)。
如果卡不支持网络令牌化(例如,发卡机构未参与),Click to Pay 将返回卡详细信息(卡号和卡过期时间),而不是网络令牌详细信息(网络令牌、令牌过期时间和密文)。
如果您是美国商家,并且已表明您希望利用“杜尔宾修正案”规定的权利,Click to Pay 将提供借记卡的卡详细信息(卡号和卡过期时间)。
API 交易响应中的 Click to Pay 付款详细信息
付款人在 Click to Pay 交互过程中选择的付款详细信息将存储在会话中,并在使用会话执行的 API 请求的交易响应中返回。当 Click to Pay 提供网络令牌详细信息时,将同时提供网络令牌详细信息和(隐藏)卡详细信息。
根据 Click to Pay 系统返回的付款详细信息的类型,您将在 API 响应中收到以下详细信息。
名称 |
响应 |
带有完整密文的网络令牌(American Express 不支持此类型的网络令牌)(此密文不在交易响应中返回) |
- 响应包含 sourceOfFunds.type=SCHEME_TOKEN
- (隐藏)卡详细信息在以下字段中返回:
sourceOfFunds.provided.card.number
sourceOfFunds.provided.card.expiry.year
sourceOfFunds.provided.card.expiry.month
- 网络令牌详细信息在以下字段中返回:
sourceOfFunds.provided.card.deviceSpecificNumber
sourceOfFunds.provided.card.deviceSpecificExpiry.month
sourceOfFunds.provided.card.deviceSpecificExpiry.year
|
卡号和过期时间 |
- 响应包含
sourceOfFunds.type=CARD
- (隐藏)卡详细信息在以下字段中返回。
sourceOfFunds.provided.card.number
sourceOfFunds.provided.card.expiry.year
sourceOfFunds.provided.card.expiry.month
|
付款人详细信息
付款人的姓名和电话号码在交易响应中的客户参数组中提供。
如果您将 consumerEmailAddressRequested
设置为 true,付款人的电子邮件地址将在交易响应中的 customer.email
字段中提供。
账单地址详细信息
与卡关联的账单地址详细信息在交易响应中的 billing.address
参数组中提供。
送货地址详细信息
如果将 collectShippingAddress
设置为 true,送货地址详细信息将在交易响应中的 shipping.address
参数组中提供。
商家发起交易
如果您后续要使用这些付款详细信息来发起系列付款(如重复付款或分期付款),则不能将 Click to Pay 作为结账选项提供给付款人。未来版本将支持此功能。
将 Click To Pay 添加到集成
网关支持以下 Click To Pay 集成选项
集成选项 |
何时使用 |
Hosted Checkout |
这是最简单的集成选项。要直接从付款人的浏览器发起 Click To Pay,您必须首先建立身份验证通道,您的商家服务器必须在该通道中与网关服务器进行通信以在网关上创建会话。然后,网关生成的会话 ID 作为密码参数包含在所有浏览器发起的身份验证请求中(请参见基于会话的身份验证)。 |
Hosted Session |
这是一个客户端 JavaScript 集成,让您可以控制付款页的布局和样式,同时降低 PCI 合规成本。如果您希望允许付款人将其付款详细信息从浏览器直接提交到网关,使用此选项(参见基于会话的身份验证)。 |
测试您的集成
MPGS Click to Pay 体验可以使用商家的测试配置文件进行测试。
支持的测试方法
地区 |
现场实测或测试商家 |
所用卡类型 |
功能/用途 |
MTF |
现场实测 |
Click to Pay 提供 – 沙盒测试卡 |
仅通过付款流的 Click to Pay 沙盒部分进行测试 |
MTF |
测试 |
MPGS 提供的测试卡 |
仅测试商家与 MPGS 的集成(模拟流的 Click to Pay 部分)
|
生产 |
现场实测 |
商家的实际用卡 |
对 MPGS 和 Click to Pay 进行完整的端到端测试 |
生产 |
测试 |
MPGS 提供的测试卡 |
仅测试商家与 MPGS 的集成(模拟流的 Click to Pay 部分)
|
请注意:这些卡可能不适用于 EMV 3DS 或测试付款处理。您可能需要使用标准的测试商家前缀方法分别测试这些功能。
静态测试详细信息
为使用 Click to Pay 完成与网关的集成后,可以使用测试商家配置文件(您的商家 ID,前缀为 TEST)进行测试。使用测试商家配置文件时,网关会为 Click to Pay 交互提供模拟器。Click to Pay 模拟器使用一组无法修改的预定义付款详细信息。根据预定义的付款详细信息,您可以触发和测试不同的方案,如下所述。
下表的第二列指示付款人在 Click to Pay 交互过程中选择的 FPAN 的后 4 位数字。要触发方案,在付款人的 Click to Pay 交互过程中选择模拟器上的相应 FPAN。
场景:SRC 返回网络令牌和完整密文
场景:SRC 返回网络令牌和动态卡安全码
组织 |
FPAN 的后 4 位数字 |
SRC 关联 ID |
生成的 API UPDATE_SESSION_FROM_WALLET 响应 |
生成的 API AUTHORIZE 或 PAY 响应 |
Mastercard |
xxx0008 |
261af700-e576-43bf-af92-bd0f6810e8fb |
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type=SCHEME_TOKEN
- sourceOfFunds.provided.card.scheme=MASTERCARD
- sourceOfFunds.provided.card.brand=MASTERCARD
- sourceOfFunds.provided.card.fundingMethod=CREDIT
- sourceOfFunds.provided.card.number=520424xxxxxx5996-Token
- sourceOfFunds.provided.card.expiry.month=11-Token Expiry
- sourceOfFunds.provided.card.expiry.year=22-Token Expiry
- sourceOfFunds.provided.card.securityCode=xxx-Dynamic CSC
- sourceOfFunds.provided.card.maskedFpan=512345xxxxxx0008-FPAN
- sourceOfFunds.provided.card.maskedFpanExpiry.month=5-FPAN Expiry
- sourceOfFunds.provided.card.maskedFpanExpiry.year=21-FPAN Expiry
送货地址
- shipping.address.contact.firstName=Iggy
- shipping.address.contact.lastName=Peck
- shipping.address.street=2200 Mastercard Blvd
- shipping.address.street2=O'Fallon, extended address
- shipping.address.city=St.Louis
- shipping.address.stateProvince=MO
- shipping.address.postcode=63368-7263
- shipping.address.country=USA
客户详细信息
- customer.email=john.smith@example.com
- customer.firstName=John
- customer.lastName=Smith
- customer.mobilePhone=+1 2128881234
账单地址
- billing.address.city = Brisbane
- billing.address.country = AUS
- billing.address.postcodeZip = 4000
- billing.address.stateProvince = QLD
- billing.address.street = 333 Ann Street
- billing.address.street2 = Floor 14, CBD
|
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type=SCHEME_TOKEN
- sourceOfFunds.provided.card.scheme=MASTERCARD
- sourceOfFunds.provided.card.brand=MASTERCARD
- sourceOfFunds.provided.card.fundingMethod=CREDIT
- sourceOfFunds.provided.card.number=222300xxxxxx0007-FPAN
- sourceOfFunds.provided.card.expiry.month=5-FPAN Expiry
- sourceOfFunds.provided.card.expiry.year=11-FPAN Expiry
- sourceOfFunds.provided.card.deviceSpecificNumber=520424xxxxxx5996-Token
- sourceOfFunds.provided.card.deviceSpecificExpiry.month= 11-Token Expiry
- sourceOfFunds.provided.card.deviceSpecificExpiry.year= 22-Token Expiry
送货地址
- shipping.address.contact.firstName=Iggy
- shipping.address.contact.lastName=Peck
- shipping.address.street=2200 Mastercard Blvd, O'Fallon, extended address
- shipping.address.city=St.Louis
- shipping.address.stateProvince=MO
- shipping.address.postcode=63368-7263
- shipping.address.country=USA
客户详细信息
- customer.email=john.smith@example.com
- customer.firstName=John
- customer.lastName=Smith
- customer.mobilePhone=+1 2128881234
账单地址
- billing.address.city = Brisbane
- billing.address.country = AUS
- billing.address.postcodeZip = 4000
- billing.address.stateProvince = QLD
- billing.address.street = 333 Ann Street, Floor 14, CBD
|
Visa |
xxx0002 |
12345671-visaDTVV-expiry0822-colShiptrue |
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type=SCHEME_TOKEN
- sourceOfFunds.provided.card.scheme=VISA
- sourceOfFunds.provided.card.brand=VISA
- sourceOfFunds.provided.card.fundingMethod=CREDIT
- sourceOfFunds.provided.card.number=453224xxxxxx4198-Token
- sourceOfFunds.provided.card.expiry.month=8-Token Expiry
- sourceOfFunds.provided.card.expiry.year=22-Token Expiry
- sourceOfFunds.provided.card.nameOnCard=Mr.John Smith
- sourceOfFunds.provided.card.securityCode=xxx-Dynamic CSC
- sourceOfFunds.provided.card.devicePayment.3DSecure.eciIndicator=07
- sourceOfFunds.card.maskedFpan=444411xxxxxx3333-FPAN
- sourceOfFunds.provided.card.maskedFpanExpiry.month=8-FPAN Expiry
- sourceOfFunds.provided.card.maskedFpanExpiry.year=22-FPAN Expiry
送货地址
- shipping.address.contact.firstName=Tony
- shipping.address.contact.lastName=Tyre
- shipping.address.street=Level 42
- shipping.address.street2=O'Fallon, extended address
- shipping.address.city=St.Louis
- shipping.address.stateProvince=MO
- shipping.address.postcode=4000
- shipping.address.country=AUS
客户详细信息
- customer.email=emulator@tnsi.com
- customer.firstName=Mr.John Smith
- customer.lastName=John
- customer.mobilePhone=+61 0444111222
- customer.phone=+61 0444111222
账单地址
- billing.address.city = Brisbane
- billing.address.country=AUS
- billing.address.postcodeZip = 4000
- billing.address.stateProvince = QLD
- billing.address.street = 333 Ann Street
- billing.address.street2=Floor 21
|
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type=SCHEME_TOKEN
- sourceOfFunds.provided.card.scheme=VISA
- sourceOfFunds.provided.card.brand=VISA
- sourceOfFunds.provided.card.fundingMethod=CREDIT
- sourceOfFunds.provided.card.number=444411xxxxxx3333-FPAN Expiry
- sourceOfFunds.provided.card.expiry.month=8-FPAN Expiry
- sourceOfFunds.provided.card.expiry.year=22-FPAN Expiry
- sourceOfFunds.provoded.card.nameOnCard=Mr.John Smith
- sourceOfFunds.provided.card.deviceSpecificNumber=520424xxxxxx5996-Token
- sourceOfFunds.provided.card.deviceSpecificExpiry.month= 8-Token Expiry
- sourceOfFunds.provided.card.deviceSpecificExpiry.year= 22-Token Expiry
送货地址
- shipping.address.contact.firstName=tony
- shipping.address.contact.lastName=tyre
- sshipping.address.street=Level 42, 700 Somewhere Street
- shipping.address.city=St.Louis
- shipping.address.stateProvince=MO
- shipping.address.postcode=63368-7263
- shipping.address.country=AUS
客户详细信息
- customer.email=john.smith@example.com
- customer.firstName=John
- customer.lastName=Smith
- customer.mobilePhone=+1 2128881234
- customer.phone=+61 0444111222
账单地址
- billing.address.city = Brisbane
- billing.address.country=AUS
- billing.address.postcodeZip = 4000
- billing.address.stateProvince = QLD
- billing.address.street = 333 Ann Street, Floor 14, CBD
|
American Express |
xxx0017 |
cf3de1e0-55a2-44cf-9563-5ef9e648c492 |
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type=SCHEME_TOKEN
- sourceOfFunds.provided.card.scheme=AMEX
- sourceOfFunds.provided.card.brand=AMEX
- sourceOfFunds.provided.card.fundingMethod=CREDIT
- sourceOfFunds.provided.card.number=453224xxxxxx4198-Token
- sourceOfFunds.provided.card.expiry.month=12-Token Expiry
- sourceOfFunds.provided.card.expiry.year=22-Token Expiry
- sourceOfFunds.provided.card.securityCode=xxx-Dynamic CSC
- sourceOfFunds.card.maskedFpan=444411xxxxxx3333-FPAN
- sourceOfFunds.provided.card.maskedFpanExpiry.month=8-FPAN Expiry
- sourceOfFunds.provided.card.maskedFpanExpiry.year=22-FPAN Expiry
送货地址
- shipping.address.contact.firstName=loggy
- shipping.address.contact.lastName=Peck
- shipping.address.street=2200 Mastercard Blvd
- shipping.address.street2=O'Fallon, extended address
- shipping.address.city=St.Louis
- shipping.address.stateProvince=MO
- shipping.address.postcode=4000
- shipping.address.country=USA
客户详细信息
- customer.email=john.smith@example.com
- customer.firstName=Mr.John Smith
- customer.lastName=John
- customer.mobilePhone=+61 0444111222
账单地址
- billing.address.city = Brisbane
- billing.address.country=AUS
- billing.address.postcodeZip = 4000
- billing.address.stateProvince = QLD
- billing.address.street = 333 Ann Street
- billing.address.street2=Floor 14
|
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type=SCHEME_TOKEN
- sourceOfFunds.provided.card.scheme=AMES
- sourceOfFunds.provided.card.brand=AMEX
- sourceOfFunds.provided.card.fundingMethod=CREDIT
- sourceOfFunds.provided.card.number=444411xxxxxx3333-FPAN
- sourceOfFunds.provided.card.expiry.month=5-FPAN Expiry
- sourceOfFunds.provided.card.expiry.year=21-FPAN Expiry
- sourceOfFunds.provided.card.deviceSpecificNumber=520424xxxxxx5996-Token
- sourceOfFunds.provided.card.deviceSpecificExpiry.month=12-Token Expiry
- sourceOfFunds.provided.card.deviceSpecificExpiry.year= 22-Token Expiry
送货地址
- shipping.address.contact.firstName=laggy
- shipping.address.contact.lastName=Peck
- shipping.address.street=2200 Mastercard Blvd
- shipping.address.street2=O'Fallon, extended address
- shipping.address.city=St.Louis
- shipping.address.stateProvince=MO
- shipping.address.postcode=63368-7263
- shipping.address.country=AUS
客户详细信息
- customer.email=john.smith@example.com
- customer.firstName=John
- customer.lastName=Smith
- customer.mobilePhone=+1 2128881234
账单地址
- billing.address.city = Brisbane
- billing.address.country = AUS
- billing.address.postcodeZip = 4000
- billing.address.stateProvince=QLD
- billing.address.street = 333 Ann Street, Floor 14, CBD
|
场景:SRC 返回卡号和卡过期日期(卡不支持网络令牌化)
组织 |
FPAN 的后 4 位数字 |
SRC 关联 ID |
生成的 API UPDATE_SESSION_FROM_WALLET 响应 |
生成的 API AUTHORIZE 或 PAY 响应 |
Mastercard |
xxx0305 |
8e455e8b-4e52-46cf-a3da-83aa3cf9a76e |
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type=CARD
- sourceOfFunds.provided.card.scheme=MASTERCARD
- sourceOfFunds.provided.card.brand=MASTERCARD
- sourceOfFunds.provided.card.fundingMethod=CREDIT
- sourceOfFunds.provided.card.number =550690xxxxxx0305-FPAN
- sourceOfFunds.provided.card.expiry.month=5-FPAN Expiry
- sourceOfFunds.provided.card.expiry.year=21-FPAN Expiry
- sourceOfFunds.provided.card.nameOnCard=John Smith
- sourceOfFunds.provided.card.maskedFpan=550690xxxxxx0305-FPAN
- sourceOfFunds.provided.card.maskedFpanExpiry.month=5-FPAN Expiry
- sourceOfFunds.provided.card.maskedFpanExpiry.year=21-FPAN Expiry
送货地址
- shipping.address.contact.firstName=Iggy
- shipping.address.contact.lastName=Peck
- shipping.address.street=2200 Mastercard Blvd
- shipping.address.street2=O'Fallon, extended address
- shipping.address.city=St.Louis
- shipping.address.stateProvince=MO
- shipping.address.postcode=63368-7263
- shipping.address.country=USA
客户详细信息
- customer.email=john.smith@example.com
- customer.firstName=John
- customer.lastName=Smith
- customer.mobilePhone=+1 2128881234
账单地址
- billing.address.city = Brisbane
- billing.address.country = AUS
- billing.address.postcodeZip = 4000
- billing.address.stateProvince = QLD
- billing.address.street = 333 Ann Street
- billing.address.street2 = Floor 14, CBD
|
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type=SCHEME_TOKEN
- sourceOfFunds.provided.card.scheme=MASTERCARD
- sourceOfFunds.provided.card.brand=MASTERCARD
- sourceOfFunds.provided.card.fundingMethod=CREDIT
- sourceOfFunds.provided.card.number=550690xxxxxx0305-FPAN -FPAN
- sourceOfFunds.provided.card.expiry.month=5-FPAN Expiry
- sourceOfFunds.provided.card.expiry.year=11-FPAN Expiry
- sourceOfFunds.provided.card.nameOnCard=John Smith
送货地址
- shipping.address.contact.firstName=Iggy
- shipping.address.contact.lastName=Peck
- shipping.address.street=2200 Mastercard Blvd, O'Fallon, extended address
- shipping.address.street2=O'Fallon, extended address
- shipping.address.city=St.Louis
- shipping.address.stateProvince=MO
- shipping.address.postcode=63368-7263
- shipping.address.country=USA
客户详细信息
- customer.email=john.smith@example.com
- customer.firstName=John
- customer.lastName=Smith
- customer.mobilePhone=+1 2128881234
账单地址
- billing.address.city = Brisbane
- billing.address.country = AUS
- billing.address.postcodeZip = 4000
- billing.address.stateProvince = QLD
- billing.address.street = 333 Ann Street, Floor 14, CBD
|
Visa |
xxx0001 |
12345671-visa1-expiry0822 |
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type=CARD
- sourceOfFunds.provided.card.scheme=VISA
- sourceOfFunds.provided.card.brand=VISA
- sourceOfFunds.provided.card.fundingMethod=CREDIT
- sourceOfFunds.provided.card.number=400552xxxxxx4821-FPAN
- sourceOfFunds.provided.card.expiry.month=8-FPAN Expiry
- sourceOfFunds.provided.card.expiry.year=22-FPAN Expiry
- sourceOfFunds.provided.card.nameOnCard=Mr.John Smith
- sourceOfFunds.card.maskedFpan=444411xxxxxx3333-FPAN
- sourceOfFunds.provided.card.maskedFpanExpiry.month=8-FPAN Expiry
- sourceOfFunds.provided.card.maskedFpanExpiry.year=22-FPAN Expiry
客户详细信息
- customer.email=emulator@tnsi.com
- customer.firstName=Mr.John Smith
- customer.lastName=John
- customer.mobilePhone=+61 0444111222
- customer.phone=+61 0444111222
账单地址
- billing.address.city = Brisbane
- billing.address.country=AUS
- billing.address.postcodeZip = 4000
- billing.address.stateProvince = QLD
- billing.address.street = 333 Ann Street
- billing.address.street2=Floor 21
|
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type=CARD
- sourceOfFunds.provided.card.scheme=VISA
- sourceOfFunds.provided.card.brand=VISA
- sourceOfFunds.provided.card.fundingMethod=CREDIT
- sourceOfFunds.provided.card.number=444411xxxxxx3333-FPAN
- sourceOfFunds.provided.card.expiry.month=8-FPAN Expiry
- sourceOfFunds.provided.card.expiry.year=22-FPAN Expiry
- sourceOfFunds.provoded.card.nameOnCard=Mr.John Smith
客户详细信息
- customer.email=john.smith@example.com
- customer.firstName=John
- customer.lastName=Smith
- customer.mobilePhone=+1 2128881234
- customer.phone=+61 0444111222
账单地址
- billing.address.city = Brisbane
- billing.address.country=AUS
- billing.address.postcodeZip = 4000
- billing.address.stateProvince = QLD
- billing.address.street = 300 Adelaide Street, Floor 21
|
American Express |
xxx4564 |
bb978084-42b7-4985-af9d-2e41ee0a370c |
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type=CARD
- sourceOfFunds.provided.card.scheme=AMEX
- sourceOfFunds.provided.card.brand=AMEX
- sourceOfFunds.provided.card.fundingMethod=CREDIT
- sourceOfFunds.provided.card.number=345678xxxxx4564-FPAN
- sourceOfFunds.provided.card.expiry.month=12-FPAN Expiry
- sourceOfFunds.provided.card.expiry.year=22-FPAN Expiry
- sourceOfFunds.provided.card.nameOnCard=Mr.John Smith
- sourceOfFunds.provided.card.maskedFpan=345678xxxxx4564-FPAN
- sourceOfFunds.provided.card.maskedFpanExpiry.month=8-FPAN Expiry
- sourceOfFunds.provided.card.maskedFpanExpiry.year=21-FPAN Expiry
送货地址
- shipping.address.contact.firstName=loggy
- shipping.address.contact.lastName=Peck
- shipping.address.street=2200 Mastercard Blvd
- shipping.address.street2=O'Fallon, extended address
- shipping.address.city=St.Louis
- shipping.address.stateProvince=MO
- shipping.address.postcode=4000
- shipping.address.country=USA
客户详细信息
- customer.email=john.smith@example.com
- customer.firstName=Mr.John Smith
- customer.lastName=John
- customer.mobilePhone=+61 0444111222
账单地址
- billing.address.city = Brisbane
- billing.address.country=AUS
- billing.address.postcodeZip = 4000
- billing.address.stateProvince = QLD
- billing.address.street = 333 Ann Street
- billing.address.street2=Floor 14
|
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type=CARD
- sourceOfFunds.provided.card.scheme=AMEX
- sourceOfFunds.provided.card.brand=AMEX
- sourceOfFunds.provided.card.fundingMethod=CREDIT
- sourceOfFunds.provided.card.number=444411xxxxxx3333-FPAN
- sourceOfFunds.provided.card.expiry.month=5-FPAN Expiry
- sourceOfFunds.provided.card.expiry.year=21-FPAN Expiry
送货地址
- shipping.address.contact.firstName=laggy
- shipping.address.contact.lastName=Peck
- shipping.address.street=2200 Mastercard Blvd
- shipping.address.street2=O'Fallon, extended address
- shipping.address.city=St.Louis
- shipping.address.stateProvince=MO
- shipping.address.postcode=63368-7263
- shipping.address.country=AUS
客户详细信息
- customer.email=john.smith@example.com
- customer.firstName=John
- customer.lastName=Smith
- customer.mobilePhone=+1 2128881234
账单地址
- billing.address.city = Brisbane
- billing.address.country = AUS
- billing.address.postcodeZip = 4000
- billing.address.stateProvince=QLD
- billing.address.street = 333 Ann Street, Floor 14, CBD
|
使用 3DS 支付验证测试 SRC
如果您的商家配置文件已启用 EMV 3DS 支付验证 (3DS2),您可以使用下表中显示的 SRC 测试详细信息来触发无障碍流或质询流。
场景:3DS2 质询流
组织 |
FPAN 的后 4 位数字 |
SRC 关联 ID |
生成的 API 响应 |
Mastercard |
xxx0009 |
1049624e-cc67-45f6-bd5f-c625eb4c6cc1 |
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type=SCHEME_TOKEN
- sourceOfFunds.provided.card.scheme=MASTERCARD
- sourceOfFunds.provided.card.brand=MASTERCARD
- sourceOfFunds.provided.card.deviceSpecificNumber = 512345xxxxxx8212
- sourceOfFunds.provided.card.deviceSpecificExpiry.month = 5
- sourceOfFunds.provided.card.deviceSpecificExpiry.year = 21
- sourceOfFunds.provided.card.number = 512345xxxxxx0009
- sourceOfFunds.provided.card.expiry.month = 9
- sourceOfFunds.provided.card.expiry.year = 55
|
Visa |
xxx4222 |
12312345671-SRC3DSChallenge-expiry0822-colShiptrue |
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type = SCHEME_TOKEN
- sourceOfFunds.provided.card.scheme=VISA
- sourceOfFunds.provided.card.brand=VISA
- sourceOfFunds.provided.card.devicePayment.3DSecure.eciIndicator=07
- sourceOfFunds.provided.card.devicePayment.3DSecure.onlinePaymentCryptogram=AgAAAAAABkwdwbyAkpPMQAAAAAA=
- sourceOfFunds.provided.card.number = 453224xxxxxx4222
- sourceOfFunds.provided.card.expiry.month = 8
- ssourceOfFunds.provided.card.expiry.year = 22
|
American Express |
xxx0017 |
16e051bc-bd25-46db-a7d3-d2944fbb05cf |
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type = SCHEME_TOKEN
- sourceOfFunds.provided.card.scheme=AMEX
- sourceOfFunds.provided.card.brand=AMEX
- sourceOfFunds.provided.card.deviceSpecificNumber = 373224xxxxx9117
- sourceOfFunds.provided.card.deviceSpecificExpiry.month = 5
- sourceOfFunds.provided.card.deviceSpecificExpiry.year = 21
- sourceOfFunds.provided.card.number = 373224xxxxxx4570
- sourceOfFunds.provided.card.expiry.month = 8
- ssourceOfFunds.provided.card.expiry.year = 22
|
场景:3DS2 无障碍流
组织 |
FPAN 的后 4 位数字 |
SRC 关联 ID |
生成的 API 响应 |
Mastercard |
xxx0010 |
16e051bc-bd25-46db-a7d3-d2944fbb05cf |
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type=SCHEME_TOKEN
- sourceOfFunds.provided.card.scheme=MASTERCARD
- sourceOfFunds.provided.card.brand=MASTERCARD
- sourceOfFunds.provided.card.deviceSpecificNumber = 512345xxxxxx8170
- sourceOfFunds.provided.card.deviceSpecificExpiry.month = 5
- sourceOfFunds.provided.card.deviceSpecificExpiry.year = 21
- sourceOfFunds.provided.card.number = 512345xxxxxx0010
- sourceOfFunds.provided.card.expiry.month = 8
- sourceOfFunds.provided.card.expiry.year = 55
|
Visa |
xxx4180 |
12345671-SRC3DSFrictionless-expiry0822-colShiptrue |
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type = SCHEME_TOKEN
- sourceOfFunds.provided.card.scheme=VISA
- sourceOfFunds.provided.card.brand=VISA
- sourceOfFunds.provided.card.devicePayment.3DSecure.eciIndicator=07
- sourceOfFunds.provided.card.devicePayment.3DSecure.onlinePaymentCryptogram=AgAAAAAABkwdwbyAkpPMQAAAAAA=
- sourceOfFunds.provided.card.number = 453224xxxxxx4180
- sourceOfFunds.provided.card.expiry.month = 8
- ssourceOfFunds.provided.card.expiry.year = 22
|
American Express |
xxx4564 |
17e051bc-bd25-46db-a7d3-d2944fbb05cf |
- order.walletProvider=SECURE_REMOTE_COMMERCE
- sourceOfFunds.type = SCHEME_TOKEN
- sourceOfFunds.provided.card.scheme=AMEX
- sourceOfFunds.provided.card.brand=AMEX
- sourceOfFunds.provided.card.deviceSpecificNumber = 373224xxxxx9299
- sourceOfFunds.provided.card.deviceSpecificExpiry.month = 5
- sourceOfFunds.provided.card.deviceSpecificExpiry.year = 21
- sourceOfFunds.provided.card.securityCode = xxx
- sourceOfFunds.provided.card.number = 373224xxxxxx4570
- sourceOfFunds.provided.card.expiry.month = 5
- ssourceOfFunds.provided.card.expiry.year = 21
|
常见问题
我已作为付款人将一张卡添加到我的 Click To Pay 钱包中。它为什么没有出现在结账页面上?
虽然付款人的 Click to Pay 个人资料本身可以包含任何支持的卡组织的卡,但是对于指定交易,付款人只能对符合以下条件的卡使用 Click to Pay:
- 已在您的商家配置文件中为卡组织启用 SRC,并且
- 您的商家配置文件已配置为使用此组织和交易货币处理卡。
Click To Pay 是否可以进行端到端测试?
目前,Click To Pay 不支持端到端测试。商家只能在 MTF 中通过真实商家测试 Click To Pay 交互。