Contents

Visa Checkout

 

Visa Checkout is a digital wallet provided by Visa Inc. that allows customers to process payments in a fast and secure manner. Customers are authenticated by entering their username and password or alternatively they can use the fingerprint reader built into their device. This means that after initial setup, enrolled customers do not have to fill out their credit card number or invoicing address to complete a payment.

 


 

Process overview

The customer’s browser is sent to the Payment Pages, where Visa Checkout is displayed amongst other payment types and wallets enabled on your account.

 

  1. The customer taps the Visa Checkout button, and an overlay is displayed, prompting them for their username and password.
  2. Following authentication, the customer can review the order and update their address and payment details, if needed. When they are ready to proceed, the customer presses the “PAY” button.
  3. If successful, the customer will be redirected to our hosted response page.

 


 

Features

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Supported customer countries AE, AR, AU, BR, CA, CL, CN, CO, FR, GB, HK, IE, IN, MX, MY, NZ, PE, PL, SG, US, ZA (Full list of supported countries)
Supported currencies
Dependent on your acquiring bank.
Payment types
Supported by all Mastercard and Visa-branded cards.
Account checks
Supported by select acquiring banks.
AVS / Security code checks
AVS checks are supported.

Security code checks are not supported.

Important: The security code setting on your security policy is not applicable for Visa Checkout transactions, and therefore, they cannot be suspended based on the security code. However, AVS checks are still performed, and transactions can still be suspended due to your security policy configuration.

Fraud checks (opt-in)
Supported.
Duplicate checks (opt-in)
Supported.
Protect Plus Supported.
Subscriptions
Recurring payments and subscriptions supported.
You must have a merchant number that supports processing recurring payments.
Refunds
Full and partial refunds supported.
Chargebacks
Payments may be subject to chargebacks.

 

Warning
The security code setting on your security policy is not applicable for Visa Checkout transactions, and therefore, they cannot be suspended based on the security code. However, AVS checks are still performed, and transactions can still be suspended due to your security policy configuration.

 


 

Configuration

Enabling Visa Checkout

To enable Visa Checkout on your test site reference, please contact our Support Team. Once enabled, the Visa Checkout button will be displayed on the payment choice and payment details pages (providing the browser supports the service) and you can test your solution.

 

Modify your POST to Trust Payments

You will need to modify your POST submitted to Trust Payments to include the following two fields. These changes will ensure that the billing and delivery information are retrieved from the customer’s wallet. This expedites the payment process, providing a more seamless checkout experience for the customer.

Field name Format Description
billingcontactdetailsoverride Numeric (1) “1” – Uses billing details from the customer’s wallet.
customercontactdetailsoverride Numeric (1) “1” – Uses delivery details from the customer’s wallet.

 


<form method="POST" action="<DOMAIN>/process/payments/choice">
...
<input type="hidden" name="billingcontactdetailsoverride" value="1">
<input type="hidden" name="customercontactdetailsoverride" value="1">
...
<input type="submit" value="Pay">
</form>

Replace <DOMAIN> with a supported domain. Click here for a full list.

 


 

Payment widget

When the customer presses the Visa Checkout button, the Visa Checkout Payment Widget is displayed. This is a secure interface hosted by Visa Checkout that allows existing customers to sign in, choose their preferred payment card and delivery address (if applicable), and agree to the transaction. Alternatively, users who have not yet signed up to use Visa Checkout can register without leaving the Payment Pages and complete the payment once they are ready. Once the payment has been completed, the customer is redirected back to the response page to allow for a success message to be displayed.

Further information can be found in Visa’s own documentation.

 


 

Testing

Your test site reference will connect to the Visa Checkout testing sandbox. Therefore, you will need to add our test card details to a Visa Checkout wallet in order to process payments on your test site reference.

 


 

Additional notes

Account checks
You can process account checks with Visa Checkout transactions, providing your acquiring bank supports this functionality. Contact our Support Team to enable account checks on your account. Account checks will be processed automatically prior to every payment, with no changes required to your checkout.

 

AVS and security code checks
AVS (Address Verification Service) checks will be processed if supported by your bank, but security code checks are not possible with Visa Checkout. This is because the security code cannot be stored in the customer’s wallet, and therefore cannot be sent on to the bank during the authorisation process for checks to be performed. As such, the response for the security code checks will always be “0”, indicating the security code was not sent.
More info: AVS and security code checks document

Note: The security code setting on your security policy is not applicable for Visa Checkout transactions, and therefore, they cannot be suspended based on the security code. However, AVS checks are still performed, and transactions can still be suspended due to your security policy configuration.

 

Fraud and duplicate checks
If enabled on your account, fraud and duplicate checks will be run for all Visa Checkout transactions.
More info: Fraud checks and Duplicate checks

 

Subscriptions
If your merchant number permits recurring payments with Visa Checkout and your account has been configured by our Support team, you will be able to process subscriptions by following our Subscriptions documentation.

 

Protect Plus
Protect Plus analyses the customer’s billing, delivery and token details using a rule-based system to detect suspicious patterns in user activity. The system will assist you in deciding whether to process a customer’s transaction based on the perceived level of risk.
More info: Protect Plus document

 

Refunds
You can refund previously-settled Visa Checkout transactions by using MyST (click here to learn more). Full and partial refunds are supported.

 

Chargebacks
Visa Checkout transactions may be subject to chargebacks. This is dependent on your acquiring bank.
More info: Click here to read about Chargebacks