My Virtual

This is a popular solution mainly due to the ease of integration into the solution and the high level of Security that it provides to merchants.

Integration

Form Post URL

The form post URL is the MyGate URL used to submit the form post to.  MyGate provides the following URL for both Live and Test. 

URL : https://virtual.mygateglobal.com/PaymentPage.cfmCopy URL to clipboard

With this URL, mode 0 (test) and mode 1 (live) can be used.

Testing

View all ApplicationUIDs

For testing purposes, we have provided a MerchantUID and ApplicationUID's in multiple currencies.

MerchantID: F5785ECF-1EAE-40A0-9D37-93E2E8A4BAB3

When going live, these will need to be replaced in your code by using the MyGate issued MerchantID and ApplicationID.

Test Cards

Test Cards are used to perform test authorizations to MyGate. Test Cards will only work when using Test Mode (0) in the live environment. Test Cards transactions will not go to the acquirer.

Test Card Types

  • Visa
  • MasterCard
  • Amex
  • Diner
  • Maestro

Note: Test Cards will not work in Live Mode (Mode 1) in the Live Environment.

Non 3D Secure Test Cards

Visa Successful    
Card Name   Joe Soap  
Card Number   4111111111111111  
Card Type   Visa  
Expiry Date   Any date in future  
CVV Number (last 3 digits on back of card)   123  
       
Visa Declined    
Card Name   Joe Soap  
Card Number   4242424242424242  
Card Type   Visa  
Expiry Date   Any date in future  
CVV Number (last 3 digits on back of card)   123  
       
MasterCard Successful    
Card Name   Joe Soap  
Card Number   5100080000000000  
Card Type   MasterCard  
Expiry Date   Any date in future  
CVV Number (last 3 digits on back of card)   123  
       
MasterCard Declined    
Card Name   Joe Soap  
Card Number   5404000000000001  
Card Type   MasterCard  
Expiry Date   Any date in future  
CVV Number (last 3 digits on back of card)   123  
       
Amex Successful
Card Name Joe Soap
Card Number  370000200000000
Card Type AMEX
Expiry Date  Any date in future
CVV Number(last 3 digits on back of card)  123
Amex Declined
Card Name Joe Soap
Card Number  374200000000004
Card Type AMEX
Expiry Date  Any date in future
CVV Number(last 3 digits on back of card)  123
   
Diners Successful
Card Name Joe Soap
Card Number 
362135898197781
Card Type Diners
Expiry Date  Any date in future
CVV Number(last 3 digits on back of card)  123
   
Diners Declined
Card Name Joe Soap
Card Number 
360569309025904
Card Type Diners
Expiry Date  Any date in future
CVV Number(last 3 digits on back of card)  123
   
Maestro Successful
Card Name Joe Soap
Card Number  6759649826438450
Card Type Maestro
Expiry Date  Any date in future
CVV Number(last 3 digits on back of card)  123
   
Maestro Declined
Card Name Joe Soap
Card Number 
6700649826438450
Card Type Maestro
Expiry Date  Any date in future
CVV Number(last 3 digits on back of card)  123

3D Secure Test Cards

Visa Successful    
Card Name   Joe Soap  
Card Number   4000000000000002  
Card Type   Visa  
Expiry Date   Any date in future 
CVV Number (last 3 digits on back of card)   123  
     
Visa Failed    
Card Name   Joe Soap  
Card Number   4000000000000010  
Card Type   Visa  
Expiry Date   Any date in future  
CVV Number (last 3 digits on back of card)   123  
     
MasterCard Successful    
Card Name   Joe Soap  
Card Number   5200000000000007  
Card Type   MasterCard  
Expiry Date   Any date in future  
CVV Number (last 3 digits on back of card)   123  
     
MasterCard Failed    
Card Name   Joe Soap  
Card Number   5200000000000023  
Card Type   MasterCard  
Expiry Date   Any date in future 
CVV Number (last 3 digits on back of card)   123  

Test CCV

As additional account security, every credit card comes with a special three or four digit code generally known as a CVV2 or CVV number. Cardholders will be requested to enter this when processing an online payment. An identity thief who has come across credit card information illegally will not have access to the CVV number if they do not have physical access of the card.

MyGate Response Codes

Enter the full error code below:

View all Response Codes

Go Live Checklist

Overview

Use the Go Live Check List to make sure that you have completed all necessary tasks before going live. Please ensure that the following critea have been met:

Configuration

  1. My Virtual Form Post have been embedded onto your website

  2. Merchant Payment Page have been configured in MyGate Web Console

  3. Referral URL has been added in MyGate Web Console

  4. Merchant ID and Application ID of the “Merchant” (NOT test Merchant ID and Application ID) is being used in your message type.

Testing

  1. Test a Successful Transaction using our My Virtual Test Cards

  2. Test a Decline transaction using our My Virtual Test Cards

  3. Test transactions are visible in MyGate Web Console

Go Live

  1. Merchant received Go Live email from MyGate. This email will contain the merchants Customer ID and Merchant ID .
    (If not, have merchant contact support@mygateglobal.com)

  2. Ensure that you are using the Live URL.

  3. Ensure that you have added a referral URL.

  4. Form Post Mode have been changed from 0 to 1 (0 test / 1 live)

  5. Perform Live transaction with Live card

HTML Sample

If you have in‐depth HTML knowledge or web development skills you can create more variables. The below examples could be applied if you have a web application or shopping cart. The Below HTML example shows how your form POST could look when extensive information is getting sent to MyGate:

<FORM name="Post" action="https://virtual.mygateglobal.com/PaymentPage.cfm" method="post"> 
                    <!‐‐‐Mode value 0 indicates that this is in Test Mode. Change the value to 1 for Live Mode. ‐‐‐>

                    <input type="hidden" name="Mode" value="0">
                    <input type="hidden" name="MerchantID" value="F5785ECF-1EAE-40A0-9D37-93E2E8A4BAB3">
	
                    <input type="hidden" name="ApplicationID" value="1DBBBAAE-958E-4346-A27A-6BB5171CEEDC">
	
                    <input type="hidden" name="MerchantReference" value="INV15642">
	
                    <input type="hidden" name="Amount" value="15.00">
	
                    <input type="hidden" name="txtCurrencyCode" value="USD">
	
                    <input type="hidden" name="RedirectSuccessfulURL" value="https://dev-api.mygateglobal.com/developers/virtual_return_test.php">
                    <input type="hidden" name="RedirectFailedURL" value="https://dev-api.mygateglobal.com/developers/virtual_return_test.php">
                    <!‐‐‐Additional variables for that can be populated by the merchant ‐‐‐> 
                        <input type="hidden" name="Variable1" value="Delivery">
	
                        <input type="hidden" name="Variable2" value="INV15642">
                    <!‐‐‐First item's details for clients ‐‐‐>
	
                        <input type="hidden" name="Qty1" value="1">
	
                        <input type="hidden" name="ItemRef1" value="Item Ref 1">
	
                        <input type="hidden" name="ItemDescr1" value="ItemDescription 1">
                        <input type="hidden" name="ItemAmount1" value="5"> 
                    <!‐‐‐Second item's details for clients ‐‐‐>

                        <input type="hidden" name="Qty2" value="2">
	
                        <input type="hidden" name="ItemDescr2" value="ItemDescription 2">
                        <input type="hidden" name="ItemAmount2" value="5"> 
                   <!‐‐‐Additional details for the purchased items ‐‐‐> 
                       <input type="hidden" name="ShippingCost" value="0.00">
                       <input type="hidden" name="Discount" value="0.00"> 
                   <!‐‐‐Fields for Clients Shipping Details ‐‐‐>
	
                       <input type="hidden" name="Recipient" value="Joe Soap">
	
                       <input type="hidden" name="ShippingAddress1" value="15 Yorke Street"> 
                       <input type="hidden" name="ShippingAddress2" value="Gardens">
                   <input type="hidden" name="ShippingAddress3" value="London">
	
                       <input type="hidden" name="ShippingAddress4" value="8000">
	
                       <input type="hidden" name="ShippingAddress5" value="United Kingdom"> 
                       <input type="submit" value="Send Details"> 
                </FORM>

The below code can be copied into your code for testing purposes. Please note however, that before going live, you will need to change the details in the above example.

Reference

Download Sample Code

Select your sample code package below:

Integration Support

Merchants

If you are a merchant that has signed up with MyGate's My Virtual solution, you will have access to MyGate's Integration Help Desk for telephonic and email support. Telephonic support is available 8am to 5pm GMT +2. Email support is 8am to 5pm GMT + 2 and connects directly to our help desk through our ticketing system.

Developers

If you are a developer that you will have access to MyGate's Integration Help Desk for email support. Email support is 8am to 5pm GMT + 2 and connects directly to our help desk through our ticketing system.

If you send an email you will immediately be emailed back a reference to track your integration query.

Email: support@mygateglobal.com

Introduction to My Virtual

The My Virtual Payment Solution makes use of MyGate's hosted payment page. This is a popular solution mainly due to the ease of integration into the solution and the high level of Security that it provides to merchants.

The My Virtual Solution also has the ability to be customized to such an extent that your client would feel as though they are on your website while making payment, ensuring peace-of-mind throughout the entire checkout process.

The My Virtual solution offers over 25 customizable payment page templates that can be configured. Logo's and details can be presented on that page so that the cardholder does not feel that they are leaving the merchants website. The Virtual Payment Page is operating behind a SSL (Secure Socket Layer) Certificate and all information that is captured on the payment page is encrypted using 128-bit encryption ensuring that your client's credit card details are kept safe.

My Virtual Features

  • The merchant is not required to install SSL, therefore saving costs.
  • Both the merchants logo and details can be hosted on the payment page.
  • Over 25 Payment Page Templates to choose from.
  • CSS Editor allowing full payment page customization.
  • Email confirmation can be sent to card holder for successful purchases.
  • The Fraud Module can be configured to help reduce fraud.
  • Failure and Success Pages can be configured to be displayed by MyGate.
  • Additional detail such as shipping address and purchase items can be displayed on the payment page
  • This is a quick and easy method which ensures less programming.
  • Basic development skills are required.

My Virtual Payment Process

One of the main benefits of utilising the My Virtual Solution is the simplicity in which to integrate it into your online website. It requires less development work than other MyGate Solutions and security measures are already incorporated by MyGate.

My Virtual allows the merchant to utilize the MyGate payment webpage. This means that your clients will be directed to MyGate's Payment Page where they will enter their credit card details in order for the transaction to be completed. The payment information which MyGate requires is posted to MyGate via a form POST. This POST can be done in any language that supports this method.

My Virtual Payment Process

Illustration: My Virtual Payment Process

Step 1 – Cardholder makes purchase from merchant's website.
Step 2 – Merchant creates form post to My Virtual payment page.
Step 3 – MyGate processes the transaction to the merchant Bank.
Step 4 – The merchant bank processes the transaction and returns a successful or declined message.
Step 5 – MyGate returns this result and/or error code with error description back to the Merchant
Website address specified in the form POST.
Step 6 – If the functionality is set up (from the MyGate Web Console) MyGate will notify the card
holder via email of the transaction details and the merchant via email.

General Requirements for Using My Virtual

  • Website – You must have a website or shopping cart and have ability to load sample code or shopping cart code to the site.
  • Internet Merchant Account – You are required to have an internet merchant account with a bank.
  • Internet Connectivity – Internet connectivity is required to post the transaction.
  • Internet Service Provider (ISP) – An ISP is required to host your site.
  • MyGate issued Merchant ID and Application ID – Required parameters when sending your form post.

Internet Merchant Account

An Internet Merchant Account is required to accept credit card transactions over the internet. If you have an Internet Merchant Account you need to supply these details to MyGate before going Live. If you do not have an Internet Merchant Account, MyGate can assist you with your application to the acquirer (bank).

Note: An Internet Merchant Account is a different type of merchant account than what is used for card present / POS transactions.  You will need to apply for an Internet Merchant Account even if you already accept credit card transactions from your store.

Security – Server Passwords

You need to apply security best business practice to ensure that confidential data and card detail are protected while either being stored in the database or while data is being transmitted. It is suggested that you encrypt key information issued to you by MyGate such as merchantID, applicationID and transaction index.

Note: To reduce fraud or potential incidents it is recommended to encrypt any passwords that give access to your server.

SSL

SSL (Secure Socket Layer) is a security protocol that ensures that data being captured on MyGate's payment page cannot be read by encrypting the data using two encryption keys. The My Virtual solution does not require merchant to install SSL as this is handled by MyGate.

Payment Methods

Merchants can use My Virtual to integrate with any of MyGate's payment methods.  The payment methods that MyGate offer can be found at https://mygate.co.za/payment-solutions/alternative-payments/

Examples of these payment methods are:

  • Credit Card & Debit Card
  • Instant EFT
  • Visa Checkout

Integrating to a Payment Method

A merchant with multiple payment methods can choose to either: ‐ 

  • Have multiple payment methods display on a Payment Options Page (see example illustration below)
  • Have multiple application ID's with a single payment method active per application ID or If option a) is chosen, then My Virtual will display a menu of payment options to the client. The client will then select the relevant payment method on the payment options page.   If option b) is chosen, then the client will be taken directly to the relevant payment page.

Note: Each payment method is linked to a unique MyGate application ID.

Example of Payment Options Page

Payment Options Example Page

Process Flow Description for Payment Options Page

  1. The merchant begins the process by posting a ‘Request’ to My Virtual.
  2. If the application ID is linked to the payment options page, then all the payment methods linked to that application ID will be displayed.
  3. My Virtual displays a menu of active payment methods to the client (if appropriate) and processes the transaction to the relevant financial service provider.
  4. If the application ID is only linked to one payment method, the payment method will be displayed and processed to the relevant financial service provider.
  5. My Virtual replies immediately by posting back detailed ‘Response’ data. The detailed response will include the payment method that was used to pay.
  6. In some cases, the payment method chosen will be more suited to an ‘asynchronous’ process. For instance, when the client is given payment instructions by My Virtual and these instructions can take some time to complete. If/when My Virtual receives a response from the financial service provider, then My Virtual will post the ‘Response’ data back to the RedirectSuccessfulURL or RedirectFailedURL provided by the merchant in step 1.

Payment Option Page Customization

The payment options page is customizable (example: merchant logo) to maintain the look and feel of the merchant system as far as possible. This is done from within the MyGate Web Console. Click here to see how to upload logo.

Configuration

Configuring My Virtual

Configuration is controlled from within the MyGate Web Console.  Certain configuration is mandatory in order to begin trading live. Configuration for the payment gateway can be found under settings within the MyGate Web Console. (refer to Settings – Gateway below)

NOTE: The Referral URL must be configured in the MyGate Web Console in order for your form post to be accepted.

Settings - Gateway

Gateway settings are used to configure the MyGate Virtual Payment and add the referral URL.

Configure Payments Gateway Settings

Illustration: Settings – Gateway

Configure Settings – Virtual Solution

In this area you will configure specific information relating to page display and page posting.

Configure Settings - Referral URL (mandatory)

The Referral URL is the URL that your application is posting from.  The URL must be added in order for your form post to be accepted by MyGate.

  1. Go to “Products” tab and click “Payment Gateway”.
  2. In the left hand column click “Settings”.
  3. In the left hand column click “Gateway”.
  4. Click the “Configure Settings” icon on the application that you want to configure.
  5. Enter the URL in the text box next to the Add New Referral URL label.
  6. Click on the ‘Add’ button.

Click on the “Save” button at the bottom of the screen.

Referral URL

Illustration: Referral url

Configure Settings - Payment Page (optional)

Within the configure payment page section of the configure application there are additional payment page features that you can manage.

You can manage:

  • Results Page
  • Email Confirmation
Configure Payment Page

Illustration: Configure Settings - Payment Page

Show Results Page

When a transaction is completed the cardholder can be directed to a page that shows if the transaction was successful or declined.  This can either be done by the merchant posting through the results URL in the form post or by configuring the show results page. The show results page is a MyGate hosted results page that can be configured by the merchant.

How to Configure the Show Results Page

  1. Go to “Products” tab and click “Payment Gateway”.
  2. In the left hand column click “Settings”.
  3. In the left hand column click “Gateway”.
  4. Click the “Configure Settings” icon on the application that you want to configure.
  5. Tick the box next to the Show Payment Page label.
  6. Click on the ‘Configure’ icon next to the text box.
  7. Enter the messages you want displayed.
  8. Click on the “Save” button at the bottom of the screen.
Results Page Configuration

Illustration: Show Results Page Configuration Screen

Email Confirmation to User (optional)

If this box is ticked then a text box will be presented on the payment page allowing a card holder to enter their email address. Once the payment has been processed, the card holder will be emailed a transaction receipt notifying them of confirmation of payment.

Confirmation Email Address

If the “email confirmation to user” option has been ticked, you will be required to enter the email address that you want the email confirmation to be sent from. The cardholder will see the email coming from that address.

Configure Settings – Fraud

Fraud within Card Not Present (CNP) is on the rise. Without having the card holder present when a purchase is taking place, it can be difficult to verify that the purchaser is who they say they are. 3D Secure programs such as MasterCard Secure Code and Verified by Visa have helped to reduce the amount of fraudulent transactions. Merchants can further reduce their risk by utilising MyGate’s Fraud Module.

MyGate understands the risk of fraud and charge backs and have thus developed a Fraud Module that can aid in the reduction of credit card fraud for merchants. By using IP address locaters, BIN origins and shipping address’s, the Fraud Module helps merchants in identifying potential fraudulent transactions. Within the MyGate Web Console, merchants can configure the Fraud Module Options to flag or fail transactions based on specific transactional behaviour. Each of the merchants’ web sites can be uniquely configured by the merchant with its own set of processing thresholds.

Fraud Module

Transaction Processing

Payment Instruments

In this section the various payment instruments supported are listed.  These are updated regularly as new payment instruments are integrated to the MyGate platform.

Supported Payment Types

  • Credit Cards
  • Pin less Debit Cards

Supported Credit Cards

  • Visa
  • Amex
  • Diners
  • MasterCard
  • Maestro

Supported Currencies

  • BWP – Botswana Pula
  • GHS – Ghanaian Cedi
  • KES – Kenyan Shilling
  • USD – US Dollar
  • SCR – Seychellois Rupee
  • TZS – Tanzanian Shilling
  • UGX – Ugandan Shilling
  • ZMW – Zambian Kwacha
  • MZN – Mozambican Metcal
  • NGN – Nigerian Naira
  • GBP – British Pound
  • EUR – Euro
  • MUR – Mauritian Rupee
  • ZAR – South African Rand

Supported Transaction Types

The below lists the different credit card transaction types that MyGate supports:

  • Authorize
  • Capture (Settle)
  • Sale
  • Authorization Reversal
  • Credits / Refunds
  • 3DS Lookup
  • 3DS Authenticate

MyGate Web Console

The MyGate Web Console is used by merchants to manage payment gateway transactions.  The console is full of rich features enabling transactional management of any MyGate’s solution or integration methods.  A merchant will be issued with a user name and password for the web console when they sign up with MyGate.

From within the MyGate Web Console you can:

  • Manage Configuration & Settings
  • Manage Transactions
    • Authorize
    • Capture Transactions
    • Credits  / Refunds
    • Authorization Reversals
    • Recurring Billing
    • Manual Payments
  • View Reporting

Deferred Settlement

The credit card transaction process is defined by mainly an authorization and a capture (settlement). The authorization will reserve the funds for 21 working days on the credit card. During the 21 days you can choose to capture the transaction for settlement.  Upon settlement, the bank will pay you the funds.

MasterCard and Visa require that the settlement of a credit card transaction takes place at time of delivery of the purchased product or service.  If you are providing a product or service with real time delivery then deferred settlement is not required.

Note: Your account will be defaulted to deferred settlement. In the event that you require deferred settlement to not be activated, please contact support@mygateglobal.com

Transaction Result

The transaction result is the transaction response returned from the request form post when sending any message type request to MyGate.  The transaction result informs you whether the transaction was successful or declined. The transaction result is often used to display to the cardholder on the failure / success page. MyGate provides declined reason codes, error messages and in-depth message descriptions that can be displayed to merchant on the failure / success page. 

Note: A full list of transaction result information is listed later in this document.

Transaction Result Types

  • Successful: Successful means that the transaction was successfully processed by the acquirer / bank.
  • Successful with Warning: Successful with warning means that the transaction has successfully been processed by the acquirer.  The warning has been triggered by the transaction being flagged by the fraud module.  This will only occur in the event that the merchant has configured the fraud module to “flag” a transaction.  This particular transaction result is used to “warn” the merchant of a potential fraudulent transaction.
  • Bank Declined: Bank declined transactions are transactions declined by the bank. Generally, the bank that declines the transaction is the issuing bank and NOT your acquiring bank. There can be numerous reasons why the bank declines a transaction with most common ones being insufficient funds and invalid card detail.
  • MyGate Declines: MyGate Declined transactions are transactions declined at MyGate before sending to bank.  The main declined reasons are fraud module rules, incorrect integration and invalid data being populated in the form post.

3D Secure

MyGate offers the 3D Secure service to all of its merchants. If you are using My Virtual, no integration to 3D Secure is required as this is handled by MyGate.

MyGate’s payment platform is integrated to 3D Secure enabling transactions to be processed to both the MasterCard Secure Code & Verified by Visa, 3D Secure schemes.    

3D Secure stands for Three Domain Secure - the payment industry's internet authentication standard which has been developed by the major card schemes. Visa has called their version of the scheme 'Verified by Visa' and MasterCard have called their equivalent initiative 'MasterCard SecureCode'. These are both collectively referred to as 3D Secure.

3D Secure Process:

  • Each time a cardholder attempts to make a transaction using MyGate, after entering their personal card details on the MyGate payment page, MyGate automatically checks to see if their card is enrolled in the 3D Secure scheme by calling the Directory Server.
  • If the cardholder’s bank is participating, the cardholder is taken to their card issuers secure website (Access Control Server) where they enter their 3D Secure password. The payment is then processed to the acquirer and the cardholder is smoothly delivered back to the merchants confirmation page.
  • If a cardholder of a bank who is participating in the 3D Secure scheme has not yet enrolled, by default, the issuer may prompt the cardholder to register. The cardholder can then enrol their card with 3D. Different card issuers may implement a maximum decline limit before the cardholder is made to sign up to 3D Secure.
  • MyGate will attempt a 3D Secure check on each card transaction - if the cardholder's bank are not currently participating in the 3D Secure scheme, the transaction will process directly to the acquirer.

Note: In order for a merchant to share the benefits of 3D Secure, they must request that their internet merchant account be 3D Secure enabled. 
Note: 3D Secure is mandatory by certain banks.

Reference

My Virtual Reference

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