Credit Card Integration & Testing

14 min

Integration and Testing process for Credit/Debit Card payment method.

Integration Steps and API Used

Perform API Call Transaction Registration integration.

Direct: Registration - API Credit Card.

Redirect: Credit Card - API Checkout.

Perform API Call Payment Charge integration.

Direct: Payment - API Credit Card.

Redirect: Payment - API Checkout.

Receive NICEPAY callback and push notification.

Perform API Check Status integration.

Direct: Status Inquiry - API Credit Card.

Redirect: Status Inquiry - API Checkout.

Optional: Perform API Cancel integration to cancel the transaction.

Direct: Cancel - API Credit Card.

Redirect: Cancel - API Checkout.

Credit Card Testing Guide

Test Step	Rules and Conditions
Use a Real Card or Dummy Card that starts from 45xxxx or 54xxxx. Input your Bank account number to the Merchant page side with accountNo parameter. Input information and proceed with the transaction process until transaction success.	Transaction will settle based on the Bank rules. The card used automatically will decrease card limit. 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. A card blocked is the user's responsibility if fraud is found in the transaction.

Failed Transaction Possible Reason

Inactive card.

Card expired.

The card number is invalid.

The card expiry date is invalid.

CVV invalid.

The Issuer network is unsupported.

The daily card limit used already hit the limit.

Credit Card Visa is 3Ds.

Please visit the NICEPAY Error Code 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

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.

Learn further regarding the Credit Card features on Credit Card Feature.

Best Practice

For Credit Card setting, Merchant can install recurrOpt automatic Cancel parameter. Learn Recurring Token API technical installation on API Credit Card.

Cancel for Credit Card support full partial cancel. Learn further on the Cancel Type Code 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 page and Status Inquiry - API Credit Card page.

Notification Handling is helpful to minimalize Fraud actions, NICEPAY strongly recommends Merchant to verify the Notification Handling.

⚠️It is important to perform checking on Notification and Inquiry. View further information on Notification - API Credit Card / Notification - API Checkout.