New MasterCard/Discover Requrements and Authorize.net

[Scott Ackerman]

I just found out about changes to the way that MasterCard and Discover orders are going to need to be processed and am wondering how VM is going to handle these changes and when VM can be compliant. Here is the link that describes the new requirements: http://www.authorize.net/support/pafaqs/ . As you can see these requirements are being implemented very soon and they throw a 'huge monkey-wrench' in the checkout process in my opinion.

[Forrest]

My understanding, Auth.net users will have until 2011 for this to be in effect.

Obviously this will have to be looked into. A timeline is an unknown at this point.

[ralfeez]

Please post any additional information that you get and let me know if anyone needs help with this development.
thank you,
Ralph

[PRO]

This is going to have to be modified via v mart AND each individual gateway module.

[ralfeez]

Yes and we have until June 30, 2011 to implement these changes. Here are links to the FAQ for those who have not seen them yet, http://www.authorize.net/support/pafaqs/ .

thank you,
Ralph

[blinx]

Is there any way how to update Authorize.net payment module without waiting for new version of Viruemart ?!

from Authorize.net:
"What if a merchant does not comply? Is there a non-compliance fee?

Yes. Merchants are obligated to support the requirements and make the appropriate changes to support these transactions. The payment card brands will be performing frequent "Compliance Monitoring" of these rules changes and will follow through with the appropriate parties if merchants are found to be non-compliant. The amount of fees assessed will be as per the MasterCard and Discover association "non-compliance" fines described in their operating regulations and rules. For more information, please contact your Merchant Service Provider (MSP).

As a reminder, your MSP is ultimately responsible for determining if the requirements apply to your business, so please contact them for assistance in determining if your company is exempt."

[ralfeez]

This is not a simple problem.

• The customer needs the ability to pay with one (or several) gift cards.
• The interface needs to go to Authorize.net and then Authorize needs to check the card balance at Mastercard (Discover). This balance is either enough to cover the cost or it returns through the chain back to you. You must then allow the customer to enter another credit card number. This may happen several times.
• The shopping cart also needs to print the balance of the gift card on the receipt statement.
• The shopping cart must also have the ability to cancel a purchase and reinstate the amount taken back on the gift card.

The only good thing about this is that they are giving us until next year to solve the problem.
MasterCard's rule changes go into effect May 1, 2010, and Discover's rule changes go into effect April 16, 2010. However, Authorize.Net, MasterCard and Discover have worked together to extend these dates for all merchants using Authorize.Net solutions. Our merchants will now have until June 30, 2011, to implement support for the requirements within their systems.

 Authorize is also not the only one with this problem. All shopping carts that take MC or discover must also conform to the new policies. It is probably best to wait until VM has the chance to try to solve the issue through the shopping cart. It is more than just modifying a module.
thanks,
Ralph

[MikeUK]

I think waiting for VM is not the best approach. In the end, it will be changed through community effort. Anything that is done because of this thread will surely be beneficial.

As I see it, the VM side of things is not so complicated. The return to VM will be the same, the only difference will be that the return code from, for example, Authorize should reflect the part-payment, not completed payment. So then, instead of the confirmation page, you'd see a different page (with the payment link again).

At present, we've only been working with unsuccessful / success return codes (usually as Confirmed / Pending), so there will need to be the addition of another I presume.

[ralfeez]

Mike,
I admire your enthusiasm. I would be more than willing to help, but I am far too busy to take on another project. Let me know if I can assist you in any way.
Thanks,
Ralph

[harrstar]

Hi,

I am willing to help out, but would need some coordination with the vm developers where what to change/adapt

harrstar

[Bigjohn]

Reading that faq it looks like the credit card companies have relaxed / removed this requirement for ONline shops...

[david]

Has there been an update to this Authorize.Net issue.  The deadline for comliance is fast approaching (June 30, 2011).  I did not see a resolution/solution reading thru this thread.

Please update - Thanks

[david]

Bump..
Any updates on this pressing issue??
Anybody??

[PRO]

Reading that faq it looks like the credit card companies have relaxed / removed this requirement for ONline shops...

^^^