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Our HSBC API payment module seamlessly integrates into osCommerce and allows customers to pay for their order without ever leaving your site.
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One of the most important components of any ecommerce store is the payment module. Our HSBC API module was written from the ground up specifically for osCommerce. The payment module is controlled completely from within osCommerce, meaning you no longer have to log into a third party site to process payments.
Within the customers order screen, store owners can settle, void and partially credit orders. If an order has failed an AVS check, a message clearly tells you what the problem is. You then have the option to either Accept or Reject the order, again this is all done from within osCommerce.
3D Secure is a new technical standard developed by Visa and MasterCard to further secure CNP transactions over the Internet.
MasterCard brand their system as 'MasterCard SecureCode' and Visa call theirs 'Verified by Visa'. (Maestro cards will also be supported through the MasterCard service from the 31st July 2007).
3D Secure creates what is called a 'trust chain' throughout the transaction, shifting the liability for fraud from the merchant to the issuer under a range of conditions. Customers are requested to either enter their pre registered PIN code or to register for the service. If the customer chooses not to register for 3D secure the merchant will still be eligible for chargeback protection.
One of the benefits to the store owner of using the 3D secure scheme is the added protection of online payments. Any orders paid for with a Verified by Visa or Mastercard Securecode card will be eligible to Chargeback protection. This chargeback protection guarantees the merchant will receive the payment for the order.
As of the 1st July 2007, any ecommerce stores accepting Maestro cards on their stores will not be able to accept these cards unless 3D secure is in place. 
- Integrates with Verified by Visa and Mastercard Securecode
- Seamless integration into your store
- Settle payments with a single click
- Choice of either immediate or manual payment settlement
- Customer card details processed from within your store
- Real time payment authorisation eliminating the need to store card details
- Informative messages when an order fails an AVS check
- Clean install code with no script changes required in the store front
- Apply full or partial credits easily from within the osCommerce backend tool.
- Order totals updated when credits are applied
- Fallback capture so payment details can still be captured even when HSBC goes down
- Full User guide and 3 months support included with every installation.
For the HSBC API module to work correctly the PHP version running on your hosts server must be compiled with openSSL. The openSSL module allows the API to securely communicate with HSBC and carry out the transaction.
HSBC will not accept an insecure connection.
To see if you have the required openSSL module installed, login to your osCommerce admin site and view the Server Info under tools.
You will see a phpInfo screen that will look similar to the one shown below. Locate the field for "Registered PHP Streams". If the values https and ftps appear then openSSL has been installed.
On PHP versions 5 and above openSSL may be displayed further down the screen in a large font with openSSL enabled listed.
Tested on both clean and modified versions of osCommerce running on a Linux server with PHP versions above 4.3 or 5.1
Compatible with osCommerce, creLoaded and GoLoaded
| Processing Payments |
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| The screenshot above displays an order awaiting payment settlement. |
| Fraud Review Payment |
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| The screenshot above shows a typical log of an accepted failed AVS transaction and an order with a partial credit applied. |
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