Adapter Catalog Glossary

In IXOPAY terminology, adapter is the generic term for a payment provider.

In IXOPAY terminology, method is the generic name for the payment instrument, e.g. credit card, open banking, etc.

Payment.js allows merchants to tokenize payment credentials.

Hosted payment forms are pages that are "hosted" on an external/third-party site and are used to process electronic payments (i.e. payments made with credit or debit cards).

A native redirect is the location where the authorization server sends the user once the app has been successfully authorized.

Network tokenization is a type of payment card tokenization offered by card networks. It replaces the real card number with a random string of numbers called a network token.

Apple Pay is a mobile payment and digital wallet service by Apple Inc. It allows users to make payments in person, in iOS apps, and on the web using Safari. It is supported on Apple products. It is not available on any device that is not made and sold by Apple.

Google Pay is a digital wallet platform and online payment system developed by Google. It allows users to makes payments in-app, online, and in-person. It is available on android devices.

Integration allows credit card data to be sent directly to the payment provider.

Reconciliation is the process of comparing the merchant payment records with the records of the payment service providers to ensure that all transactions are accounted for and that their status is accurately reflected in the merchant’s accounting system.

To settle a transaction is to transfer the funds from a customer’s account to the merchant’s account. This can include fees charged by the involved payment parties. The settlement process in IXOPAY consists of the retrieval of such settlement information and their mapping to the transactions in the gateway.

Indicates whether the adapter can accept and forward scheme transaction IDs. A reference to the initial transaction (which may include 3DS information) should be included in subsequent COF transactions, e.g. for recurring billing. As this ID is scheme-specific, it can be used with any adapter that supports this capability.

Indicates whether the adapter supplies a scheme transaction ID that is stored in IXOPAY for future reference and can also be used with other adapters offering the Accept Scheme Trx ID capability

Indicates whether IXOPAY has implemented Merchant Advice Codes specified by the card schemes for a specific adapter. Merchant Advice Codes are currently only supported for the transaction types pre-authorize, payouts, debits and register.

Indicates whether IXOPAY has implemented the proprietary Advice Codes from a specific adapter. Advice Codes are currently only supported for the transaction types pre-authorize, payouts, debits and register.

Dynamic Currency Conversion (DCC) enables international customers to pay for their purchases in the currency of their home country.

3D-Secure allows online validation of payments and credit card transactions. It is payment authentication technology.

Authentication of 3D-Secure payments through IXOPAY.

Authentication of 3D-Secure payments through the provider.

The 3D-Secure protocol v1 will be discontinued by the card schemes as of October 2022.

The 3D-Secure protocol v2 supports issuer exemptions through risk-based authentication as well as exemption requests from merchants through their acquirer.

Overview of transaction types from e-commerce sale transactions.

A normal transaction. Means, the payment method of the payee has been debited.

Reserves the payment amount on the customer's payment instrument without deducting the amount yet.

Registers a customer's card data for future charges.

3D-Secure is a protocol designed to be an additional security layer for online credit and debit card transactions. Rules can be configured in order for 3DS to be triggered. The Strong Customer Authentication Regulation in Europe mandates the use (with a few exceptions) of 3DS for card payments. In other regions, the use of 3DS is optional, but you can still use it as a fraud prevention tool.

The debit of the customer's payment instrument can be made with online authentication.

Reservation of the payment amount on the customer's payment instrument can be done with online authentication.

Registering a customer's card data for further charges can be made with an online authentication.

Recurring transactions are a payment model where the customer authorizes the merchant to take funds from their accounts automatically, at regular intervals, for goods and/or services.

The customer's payment instrument can be used for recurring payments.

The customer's payment instrument can be used for recurring payments with an online authentication.

Recurring payments can be made with a reservation of the payment amount on the customer's payment instrument.

A card/instrument-on-file transaction is when a payer authorizes a merchant to store the cardholder's payment details. The payer then authorizes the merchant to bill their stored payment instrument.

Stored payment instrument data can be used for a debit.

Stored payment instrument can be debited with an online authentication.

Reservation of the payment amount on the stored payment instrument can be made.

Reservation of the payment amount on the stored payment instrument can be made with online authentication.

Reverses the full payment amount which was performed with Debit or Capture.

Reverses a partial amount of the payment which was performed with Debit or Capture.

Completes a payment/conducts a debit with the full amount, which was authorized with the Preauthorize method.

Completes a payment/conducts the debit with a partial amount which was authorized with the Preauthorize method.

Cancels a previously performed Preauthorization.

A payment which was previously authorized with the Preauthorize method can be completed with several partial amounts.

Payout capabilities allow for the disbursement of funds into a customer's or business holder's account. This is popular within iGaming and marketplace setups.

A payout requested by the end customer can be made without making a payment or registration beforehand.

A payout requested by the end customer is possible, only if the payment instrument is already registered or registered in the course of a payment.

Some payment methods offer customers the possibility of a chargeback.

Chargeback means the reversal of a transaction initiated by the issuing bank at the request of the cardholder or customer. This capability indicates whether chargebacks can be displayed in IXOPAY for a specific adapter.

Chargeback Reversal means that the Issuing bank, after examining the evidence, decides to reverse the chargeback and return the funds to the merchant. This capability indicates whether chargeback reversals can be displayed in IXOPAY for a specific adapter.

The Dispute Management capability indicates whether incoming disputes for a specific adapter can be displayed and processed by the merchant via IXOPAY.

Access to Account refers to the access to customer bank accounts banks must grant to third parties (TTPs) in connection with PSD2 (Payment Services Directive).

Bank transfer payment initiated by customer.

BNPL means the possibility to pay at a later date and/or in installments.

Carrier Billing is a payment method where purchases are charged directly to the mobile phone bill.

Customers can make payments using cash at the respective payment locations.

A credit card is a payment method in which the expenses made are debited from the bank account in a total amount each month.

Payments which are made with cryptocurrencies.

A debit card is a payment method that deducts money directly from a consumer's bank account when it is used.

Direct debit payment initiated by merchant.

An invoice is a payment demand issued by a merchant to the client.

A prepaid card allows customers to spend whatever amount is stored on the card.

Vouchers can be purchased at points of sale with a certain amount of credit and then used for online purchases.

Digital wallets, which are accessed with username and password, can be loaded with credit or debit cards in most cases.

Payment method is integrated and can be used.

Payment method is integrated, but has not been actively used for an extended period, or its individual capabilities could not undergo thorough testing. Since using this payment method might require further development, we encourage you to reach out directly to the Customer Success team at customer@ixopay.com or support@ixopay.com if you're interested in implementing this payment method.

Payment method is being integrated and will be available soon.

Payment method is offered by the provider but is not yet integrated by IXOPAY. Integration can be done by IXOPAY on request by the client.

Adapter is sending transaction data to IXOPAY - IXOPAY is integrated by this adapter.

IXOPAY is sending transaction data to the adapter - this adapter was integrated by IXOPAY.

Payments have been processed outside of IXOPAY but transaction data can be pushed to and displayed within IXOPAY (e.g. for reconciliation purpose).

A normal transaction. The payment method of the payee has been debited.

Reserves the payment amount on the customer's payment instrument without deducting the amount.

Registers a customer's card data for future charges.

Reverses the full payment amount which was previously performed with Debit or Capture.

Reverses a partial amount of the payment which was previously performed with Debit or Capture.

Completes a payment/conducts the debit with the full amount which was authorized with the Preauthorize method.

Completes a payment/conducts the debit with a partial amount which was authorized with the Preauthorize method.

Cancels a previously performed Preauthorization.

A payment which was previously authorized with the Preauthorize method can be completed with several partial amounts.

In IXOPAY terminology, Risk Adapter is the generic name of a risk provider which is already integrated and can be used.

In IXOPAY terminology, Risk Solution is the generic name of a risk provider which is not yet integrated by IXOPAY but integration has been evaluated already.