Monri WSPay online credit and debit cards authorization service in real-time, for the eCommerce sales channel - sales through a web shop or some other online point of sale.
Benefits of using Monri WSPay for e-commerce business
- Payments with different currencies
- Payments with additional payment methods
- Subscription payments
- PSD2 compliant (3DS 2.1.)
- Risk analysis
- Recurring payment (reccuring)
- PCI DSS compliant
- Administrator interface for full control
Monri WSPay connection methods:
- WSPayFORM connection method, you can choose it on the Monri WSPay Service Activation Request.
- WSPayAUTO connection method is allowed only with additional communication with the merchant and delivery of proof of compliance with PCI DSS standards.
Data entry on the Monri WSPay pages, the largest number of users use this option, all card recognition options are built in for the possibility of paying in installments, deferred payment, and other functionalities as well as additional forms of payment that are not by card.
WSPayFORM can be adjusted with the logotype and colors of your pages, and WSPayFORM itself is adjusted to the screen resolutions of computers or mobile devices. This is the recommended deployment method for merchants.
To use the WSPayFORM connection and meet the PCI DSS standards, it is enough to fill out the SAQ-A questionnaire.
Card and payer data are entered on the point of sale's webpages and communication with Monri WSPay takes place in the background. WSPayAUTO has significantly higher requirements regarding security, more complex implementation or connection, but the customer does not leave your pages.
In addition to the mandatory SSL certificate of 256 bit encryption, it is MANDATORY that you are PCI DSS compliant as a merchant, which you prove by filling out the SAQ-EP questionnaire, but you must also receive confirmation from an authorized QSA.
You can use one of two methods for online card authorization and payment:
Pre-authorization + payment complition/confirmation or direct payment, and the selected method is the one indicated on the Monri WSPay Service Activation Request:
Pre-authorization + payment complition/confirmation - in the first step, pre-authorization is done, and than you have 7 days period to confirm the pre-authorized amount.
Direct payment - authorization and payment complition/confirmation are done in the same step
Transaction cancellations as well as refunds can be performed manually or through the service without additional fees or costs for the merchant by Monri WSPay.