Credit Card FAQ
What types of cards can uses for Credit Card payment methods?
All cards with the Visa, Mastercard, JCB, and Amex logos.
What's the difference between paying with a card with the GPN logo and other Credit Cards?
Other Credit Cards work with American Express, Mastercard, VISA, and JCB so they can use for domestic and foreign transactions. Meanwhile, cards bearing the GPN logo can only use for domestic transactions.
Please visit the GPN page for further information regarding GPN.
Is there an authentication process using OTP?
Yes, the process will be managed by the MID Merchant.
What is ECI code on Credit Card?
ECI code is a transaction status code available in the 3Ds Authentication process that the Merchant can acknowledge the successful status of the Customer's authentication result.
ECI Code (VISA and other Principal) | ECI Code (Mastercard) | Description |
|---|---|---|
05 | 02 | Authentication is successful and card transaction security is ensured with 3D Secure system. |
06 | 01 | Authentication has already been tried, but it has been unsuccessful because the Bank Issuer or card for the transaction isn't integrated with the 3D Secure system. |
07 | 00 | Authentication is unsuccessful because of various factors, such as the card used for the transaction or the issuing card isn't safe, an error within the Directory Server, the card failing to integrate with the 3Ds system, or a card already integrated with the 3Ds system but fail on the authentication process. |
How is the payment process by Credit/Debit Card?
Please visit Credit Card Payment Flow page for further information.
Why can transactions using Credit Cards can fail?
- The card is not active.
- The card is expired.
- Invalid card number.
- Invalid expiration date.
- Invalid CVV.
- The Issuer network is not supported.
- The daily card usage has reached its limit.
- 3Ds Visa credit card.
How do Merchants check transactions that have been successfully paid by Credit Card?
Merchants can view transaction history within a certain period through the Merchant Back Office at:
Can the display of the OTP on the Credit Card be magnified?
For the OTP Credit Card page, the display can't enlarge.
What is meant by Settlement?
Settlement is the process of recording a transaction & transferring transaction funds from a financial institution (Bank or NICEPAY) to an individual or company that in this case will refer to as a Merchant.
Please check the Settlement Process page for further information.
Can Merchants make arrangements so that Customers don't need to re-enter card details for future transactions?
Yes, the recurring feature is a solution to support these Merchant needs.
Can Credit Card transactions be done from abroad?
Yes, if it matches the NICEPAY CC support tagline: Visa, Mastercard, JCB, Amex 3D Secured, and GPN.
Is there a refund process at the Merchant Back Office for payment with a Credit Card?
NICEPAY's Merchant Back Office provides a refund process for payments with Credit Card.
Please visit the Transaction Data page for further information.
How do I process a refund on a Credit Card?
Please visit Credit Card Transaction Settlement page for further information.
How long does it take to process a Credit Card Settlement?
H+3 on workdays.
Can Merchants request certain blacklist bin cards?
Merchants can request certain blacklist bin cards.
Can Merchants use non-CVV Credit Card recurring?
You can't, because to prevent fraud recurring you have to use CVV.
Is there a maximum limit for Merchants to make Credit Card refund payments?
The maximum time for a Credit Card refund is 90 days / 3 months.