--- title: Credit Card Integration & Testing slug: en/credit-card-integration-and-testing description: Information about integration and testing of the Credit Card payment method with the NICEPAY system image: https://archbee-image-uploads.s3.amazonaws.com/ZHvSjR5ZrsoxwKbJa3xmo/u93i8EeQgOQBVTBRSbUk8_microsoftteams-image.png icon: {"faIcon":"fa-solid fa-book"} docTags: createdAt: 2022-08-11T08:15:30.000Z --- Integration and Testing process for Credit/Debit Card payment method. # Integration Steps and API Used *** 1. Perform API Call Transaction Registration integration. - Direct: [Registration - API Credit Card](docId:1NiHfoQGFzAmjg09J1ngH). - Redirect: [Credit Card - API Checkout](docId\:Amf-D0GV7CRmDsuGRikbA). 2. Perform API Call Payment Charge integration. - Direct: [Payment - API Credit Card](docId\:LWfbOCq9GugDtOYY26W5g). - Redirect: [Payment - API Checkout](docId\:o-4MmsbwXtZIb0ydniohw). 3. Receive NICEPAY callback and push notification. 4. Perform API Check Status integration. - Direct: [Status Inquiry - API Credit Card](docId\:NTP9jTSSg4RtkebeOh_Dr). - Redirect: [Status Inquiry - API Checkout](docId\:RhH7PmISd6IHN99yWVJHm). 5. Optional: Perform API Cancel integration to cancel the transaction. 1. Direct: [Cancel - API Credit Card](docId\:LrUTZU2kD-OkO_cz5hyPI). 2. Redirect: [Cancel - API Checkout](docId\:CmiiEW1Oy21QP7qDEcUl-). # Credit Card Testing Guide *** | **Test Step** | **Rules and Conditions** | | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | 1. Use a Real Card or Dummy Card that starts from `45xxxx` or `54xxxx`. 2. Input your Bank account number to the Merchant page side with `accountNo` parameter. 3. Input information and proceed with the transaction process until transaction success. | 1) Transaction will settle based on the Bank rules. 2) The card used automatically will decrease card limit. 3) On void process (aborts on the same day before Bank cut-off time), the void fund will return in real-time to the Customer limit. 4) A card blocked is the user's responsibility if fraud is found in the transaction. | **** # Failed Transaction Possible Reason *** 1. Inactive card. 2. Card expired. 3. The card number is invalid. 4. The card expiry date is invalid. 5. CVV invalid. 6. The Issuer network is unsupported. 7. The daily card limit used already hit the limit. 8. Credit Card Visa is 3Ds. :::hint{type="info"} Please visit the NICEPAY [Error Code](docId\:FsX1GESJKxOp0T9rvUHp_) page to view further error information. ::: # Integration Checklist & Test Case *** - [ ] Implement inquiry status after receiving the callback. - [ ] Implement inquiry status after receiving the notification inside `dbProcessUrl`. - [ ] Review payment log. - [ ] Review firewall setting (eg. cloudflare for setting `dbprocessUrl`). - [ ] Check `merchantToken` implementation. - [ ] Execute test scenarios in Development Environment. - [ ] Execute test scenarios in Production Environment. [Get Sample Scenario](https://docs.google.com/spreadsheets/d/e/2PACX-1vQIaIMCM0vZ3L1cA-JkW3YxyIpjsB966fg1wTeT8qpFDowEvulIEWOoY6I4uJPL3A/pub?output=xlsx) - [ ] Review Error Handling (Timeout, Failed, Negative Case). # Credit Card Feature *** - Full Payment, for one-time charge payment directly. - Installment Bank Payment, for installment charge payment following Bank tenor. - Recurring Payment, for recurring payment using payment token. - Preauth & Capture Payment, for pre-auth payment process capture on payment transaction before the final charge. :::hint{type="info"} Learn further regarding the Credit Card features on [Credit Card Feature](docId:5p_povP7Xv-oHKYiebAOC). ::: # Best Practice *** - For Credit Card setting, Merchant can install `recurrOpt automatic Cancel` parameter. Learn Recurring Token API technical installation on [API Credit Card](docId\:QnWo2V13aYYBXVhbY9WOJ). - Cancel for Credit Card support full partial cancel. Learn further on the [Cancel Type Code](docId\:VNHGJOXcH1WJMHnlKYVOC) page. - After the notification into `dbProcessUrl` you received, NICEPAY recommended Merchant to verify the Notification using Inquiry API. Learn why inquiry is valuable for You on [Status Inquiry - API Checkout](docId\:RhH7PmISd6IHN99yWVJHm) page and [Status Inquiry - API Credit Card](docId\:NTP9jTSSg4RtkebeOh_Dr) page. - `Notification Handling` is helpful to minimalize Fraud actions, NICEPAY strongly recommends Merchant to verify the `Notification Handling`. :::hint{type="danger"} ⚠️It is important to perform checking on Notification and Inquiry. View further information on [Notification - API Credit Card](docId\:NxFOPoHFnWX1dJqBXsPqq) / [Notification - API Checkout](docId\:kV4WdqbNeJrlHW1YOW6J8). ::: # See also ::::VerticalSplit{layout="middle"} :::VerticalSplitItem Visit the [Credit Card Payment Flow](docId\:K1cYLDKn6dRZ_-waBfuJS) page to find out the system process during payment with the Credit Card. ::: :::VerticalSplitItem Visit the [Credit Card Feature](docId:5p_povP7Xv-oHKYiebAOC) page to find out the transaction feature on the Credit Card ::: :::: ::::VerticalSplit{layout="middle"} :::VerticalSplitItem Visit the [Credit Card Glossary](docId\:lyMpdhTmZc37VZj44gUa-) page to find out the particular term used on Credit Card. ::: :::VerticalSplitItem Visit the [Credit Card FAQ](docId:1JamANPR0_TUQ4iTp618P) page if you want to find out frequently asked questions related to Credit Card. ::: ::::