Payment Services Directive Requirements:
As of September 14, 2019, European banks might decline payments that do not meet PSD2 requirements. To comply with PSD2, do one of the following:
- (Recommended) Install and configure the official Authorize.Net payment integration extension from Magento Marketplace.
- Enable and configure the Authorize.Net payment method in the Magento configuration.
Both of these integrations support 3D Secure 2.0 verification through CardinalCommerce and other third-party services.
Authorize.Net handles all steps in the transaction process — such as payment data collection, data submission, and response to the customer — while the customer remains in your store. Authorize.Net can be used with orders created from the AdminThe password-protected back office of your store where orders, catalog, content, and configurations are managed. as well as from the store.
Customer chooses payment method. During checkout, the customer chooses Authorize.Net as the payment method.
Customer submits the order. The customer enters the credit card information, reviews the order, and taps the Place Order button.
Authorize.Net completes the transaction. Authorize.Net validates the card information, and processes the transaction.
- If successful, the customer is redirected to the order confirmation page.
- If the transaction fails, an error message appears, and the customer can try a different card, or choose a different payment method.
Setting Up Authorize.Net
|1.||On the Admin sidebar, tap Stores. Then under Settings, choose Configuration.|
|2.||In the panel on the left under Sales, choose Payment Methods.|
|3.||Expand the Authorize.net section.|
|4.||Enter a unique Title to identify the Authorize.Net payment method during checkout.|
|5.||In the Environment field, select Sandbox or Production. This setting is based on your Authorize.Net merchant account type.|
|6.||Set Payment Action to one of the following:|
Funds on the customer's card are authorized by Authorize.Net, and an order is created in your store’s Admin. You can later create an invoice and capture the funds.
Authorize and Capture
Funds on the customer's card are authorized and captured by Authorize.Net, and an order and invoice are created in your store’s Admin.
|7.||Enter the following values from your Authorize.Net merchant account, They can be found at Account > Settings > Security Settings > API Credentials & Keys.|
- Transaction Key
- Public Client Key
- Signature Key
If you have previously generated a transaction key, enter your current transaction key value. If you don't know your existing transaction key or have never established one, you can generate a new key from your Authorize.Net merchant accountAn account with a bank or financial institution that makes it possible to accept credit card transactions.. If generating a new key to replace an existing key, make sure to update any existing applications that use the old transaction key.
|8.||Skip the Merchant MD5 (deprecated) field. Authorize.Net does not use this data field.|
When all of the Basic Authorize.Net settings are completed, set the Enabled field to “Yes”.
|1.||To set the default status for all new orders, set New Order Status to one of the following:|
- Suspected Fraud
|2.||Verify that Accepted Currency is set to “US Dollar”.|
|3.||To save messages transmitted between your store and Authorize.Net, set Debug to “Yes”.|
|4.||If you want Authorize.Net to send an order confirmation notification to the customer, set Email Customer to “Yes”.|
Merchant email settings can be configured in your Authorize.Net merchant account at Account > User Profile > Edit Profile Information.
|5.||To require customers to enter a card verification value (CVV), accept the default value “Yes” for Enable Credit Card Verification Field.|
|6.||In the Credit Card Types list, select each credit card that is accepted in your store.|
|7.||Set Payment from Applicable Countries to one of the following:|
All Allowed Countries
Customers from all countries specified in your store configuration can use this payment method.
After choosing this option, the Payment from Specific Countries list appears. Select each country in the list where customers can make purchases from your store.
|8.||Enter the Minimum Order Total and Maximum Order Total for store transactions. To qualify, the order total must exactly match the minimum or maximum threshold, or fall somewhere in between.|
|9.||Enter a Sort Order number to determine the position of Authorize.Net in the list of payment methods during checkout. (0 = first, 1 = second, 2 = third, and so on.)|
|10.||To save your configuration settings, tap Save Config before exiting.|
CardinalCommerce provides a 3-D Secure Version 2.0 solution that increases approvals, and reduces fraud and false declines. In addition, CardinalCommerce Consumer Authentication (CCA) fulfills the Payment Services Directive SCA requirements for merchants doing business in the European economic area. To add 3-D Secure capabilities to your Authorize.Net configuration, do the following:
|1.||Go to CardinalCommerce and sign up for a CardinalCommerce Consumer Authentication merchant account. You will need the following credentials from your CardinalCommerce account to complete the Magento configuration:|
- Org Unit ID
- APIApplication Program Interface: A software interface that lets third-party applications read and write to a system using programming language constructs or statements. Key
- API Identifier
|2.||Return to the Magento Admin. Then on the Admin sidebar, go to Stores > Settings > Configuration.|
|3.||In the panel on the left under Sales, choose 3D Secure. Then in the CardinalCommerce section, do the following:|
|a.||Set Enable for Authorize.Net to “Yes.”|
|b.||To choose the environment, do one of the following:|
- If Authorize.Net is currently running in test mode, accept the default “Sandbox”.
- To set up CardinalCommerce for Authorize.Net for a live store, choose “Production”.
|c.||Enter the following credentials from your CardinalCommerce merchant account:|
- Org Unit ID
- API Key
- API Identifier
|d.||If you want the system to save a log file of interactions between your store and CardinalCommerce, set Debug to “Yes”.|
|4.||When compete, tap Save Config in the upper-right corner. Then in the message at the top of the workspace, click Cache Management, and refresh all invalid caches.|