Thanks for clearing that up Ari, it all makes sense. Hopefully when the Payment Express web services product has 3D secure they will allow 2nd party payments. Looks like they are employing the best over there at DPS. When I moved to Melbourne and started working in web development over here, I was pretty surprised to find that we use DPS over here too.
Cheers, Stig Ari Davies-King wrote, on 25/06/2009 10:26 AM: > Hi Stig, > > The reason that ASB and also Westpac mandate that all new sign up > merchants use a 3rd party page is that PX Post and other API's do not > support verified by visa "3D secure passwords" at present, DPS is > currently working on this and may soon be able to support 3D secure > through the "web services" product, this carries the same > functionality as PX Post, except it is SOAP based, not XML. See below: > > http://www.paymentexpress.com/technical_resources/ecommerce_nonhosted/webservice.html > > - Web Services does not support 3D secure yet. > > Also, capturing credit card details outside of a PCI certified > environment is becoming less attractive as an option for acquiring > banks. This is due to the added risk the bank assumes by allowing > those card details to be captured on a server outside of theirs, or a > certified partner's control. > > Currently in New Zealand, ANZ, BNZ and National bank can allow 2 party > transactions as long as their PCI-DSS requirements are met and (for > most part) a self assesment questionaire is filled out by the > merchant. This is on a case by case basis however, and some may still > be declined or have to move to a 3rd party environment. > > Quite a few of the larger online retailers have moved to the 3rd party > option, Ezibuy, 1-Day, The Warehouse, NZ Lotteries (LOTTO) for > example, simply because this removes liability on them for protecting > the credit card data. Merchants can be liable for up to US$400,000 of > fines if serious breaches occur, so moves to make this less of a > possibility are understandable. > > Ari Davies-King > DPS - Payment Express > -- Stig Manning http://www.sdm.co.nz --~--~---------~--~----~------------~-------~--~----~ NZ PHP Users Group: http://groups.google.com/group/nzphpug To post, send email to [email protected] To unsubscribe, send email to [email protected] -~----------~----~----~----~------~----~------~--~---
