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Credit Card Payments

1: Alliance (ADS)
2: Adyen
3: Aurus
4: Chase
5: CyberSource
6: Fiserv

Manhattan Active Omni solutions provide clients the ability to manage the payment processing of an order paid for by credit card . The card number must be tokenized where the corresponding token is stored within MAO. Throughout the life cycle of each order, MAO uses the card token to process authorizations, settlements, and refunds through integration with the 3rd party payment gateway.

Manhattan Active Omni has pre-built apps with many 3rd party Credit Card Payment Gateways for one or more of the above functionalities which can be leveraged out of the box. Please see each 3rd party vendor to view what functionalities are available.

Third Party Integrations

1 - Alliance (ADS)

What is ADS?

ADS, or ‘Alliance Data Systems’ is a provider of integrated credit and marketing services including Private Label, co-branded and commercial credit card programs.

What does this integration include?

Manhattan Active Omni is not integrated with Alliance out of the box. This integration enables communication with Alliance Private Label payment processing by altering the base functionality in the following ways:

Authorization (XML)
Authorization Reversal (XML)
Refund Authorization (XML)
Account Lookup (XML)
End of Day Settlement File (FLAT)
Re-send Mechanism for End of Day Settlement File (via MAO UI)

Authorization

An authorization is required to reserve funds to cover the cost of the transaction. This typically occurs during order capture. For Private Label Credit Cards, a call center agent uses the call center screens in MAO to capture the card details. This feature adds the ability for MAO to send the authorization request in the ADS required format via SOAP HTTP web service APIs and update the order based on the response from ADS.

Authorization Reversal

An authorization reversal occurs when a merchant reverses the authorization step of the transaction, before settlement has begun. Manhattan Active Omni (MAO) creates internal authorization reversals when the order total decreases. This feature adds the ability for MAO to externalize the authorization reversal transactions when the full amount on the auth is being reversed in case of an order cancelation. MAO sends the ADS required format via SOAP HTTP web service APIs when an auth reversal is required.

Refund

A refund is generated when compensation is owed to a customer. This is typically triggered by a return, uneven exchange, or appeasement. This feature adds the ability for MAO to send the refund request in the ADS required format via SOAP HTTP web service APIs and update the order based on the response from ADS.

Account Lookup

Account Lookup provides the CSR an option to lookup a customer’s Private Label Account Number in case the customer cannot is unable to locate their account number. This feature adds the ability for MAO to send an account lookup request based on the customer’s information in the ADS required format via SOAP HTTP web service APIs and update the Account number based on the response from ADS.

End of Day Settlement Batch

A settlement occurs when the authorized funds are actually taken out of the customer’s account. This is typically triggered by a shipment or transfer of goods to the customer. This feature adds the ability for MAO to send a batch end of day settlement file to ADS.

Resend Mechanism for End of Day Settlement

With the end of day settlement performed in batch, this App also includes a UI feature to manually resend End of Day Settlement files from Manhattan Active Omni (MAO) in the event the initial files are lost in transit or incomplete.

2 - Adyen

What is Adyen?

Adyen is a global payment company that allows retail businesses to accept e-commerce, mobile, and point-of-sale payments.

What does this integration include?

For Credit Card payment processing integration, Manhattan Active Omni, MAO for short, integrates with Adyen to process payment transactions. MAO generates the transactions in the format required by Adyen and integrates via Rest APIs.

Additionally, MAO Hosted Checkout capabilities in the call center application are added, which is used to capture and tokenize credit card information via Adyen Gateway from the MAO call center application. During Hosted Checkout, Adyen responds back with the payment token which can then be used for further transactions.

This page details Manhattan Active Omni integration with Adyen Payment Gateway for the following processes:

Hosted Checkout – Payment Method capture and tokenization using the Adyen Hosted Payment Page in the MAO Call Center
Authorization – Payment Authorization and Reauthorization when Payment Method expiring
Authorization Extension – Extend expiration date on Authorization
Authorization Reversal – Reduce amount Authorized (complete or partial)
Settlement – Capture amount fulfilled (complete or partial)
Refund – Refund amount settled
Fraud – Payment Method fraud review using Adyen RevenueProtect (RP)

Payment Types

Payment Types included and supported by Adyen as a part of this App are:

Payment Type	Pre-Paid?	Refund Type	Void Behavior	Call Center?	Tokenization
Apple Pay	No	Apple Pay	No	No	Yes
Bancontact	Yes	Bancontact	No	No	Yes
Credit Card	No	Credit Card	No	Yes	Yes
Gift Card	No	Gift Card	No	Yes	Yes
iDeal	Yes	iDeal	No	No	Yes
Klarna	No	Klarna	No	No	Yes
PayPal	No	PayPal	No	No	Yes

Processes by Payment Type

Processes by Payment Type supported by Adyen as a part of this App are:

Payment Type	Hosted Checkout	Authorization	Authorization Extension	Auth Reversal	Settlement	Refund	Fraud
Apple Pay	No	Yes	No	Complete and Partial*	Complete and Partial*	Yes	Yes
Bancontact	No	No	No	No	No	Yes	Yes
Credit Card	Yes	Yes	Yes*	Complete and Partial*	Complete and Partial*	Yes	Yes
Gift Card	Yes	Yes	No	Complete and Partial*	Complete and Partial*	No	Yes
iDeal	No	No	No	No	No	Yes	Yes
Klarna	No	Yes	No	Complete Only	Complete and Partial	Yes	Yes
PayPal	No	Yes	No	Complete and Partial*	Complete and Partial*	Yes	Yes

* Determined by configuration, processes leveraged can be adjusted to meet customer specific Adyen processing requirements. For example, Credit Cards can be configured to only send Complete Auth Reversals.

Hosted Checkout

Hosted checkout is a Payment Gateway / 3rd party owned screen (iFrame) used to capture payment information during the order creation/modification process in the MAO Call Center. Hosted Checkout makes the payment information capture more secure since the payment information is collected on the payment gateway side and the payment page along with the underlying security is owned by the gateway solution where MAO only invokes the Hosted Checkout page with the necessary order information. Once the payment information is submitted on the hosted checkout page, Adyen sends a token back to MAO, which is stored on the order and can be used for subsequent payment transactions – such as Authorization, Settlement and Refund.

Authorization

An authorization, or approval from the card issuer through the payment gateway, is required to ensure the customer has sufficient funds to cover the cost of the transaction. MAO creates authorizations in various scenarios such as order capture/modification through the Call Center application or when an authorization is expiring and requires a new authorization. This feature adds the ability for MAO to send an authorization request to Adyen in the required format when an authorization is required.

Authorization Extension

An authorization of a pre-authorized payment can be adjusted to extend the authorization period. This feature adds the ability for MAO to send an authorization adjustment request to Adyen in the required format when an authorization extension is required.

Authorization Reversal

An authorization reversal may occur when a merchant reverses the authorization step of the transaction for any funds that the merchant does not intend to capture. MAO creates internal authorization reversals when the order total decreases and there are unused funds on the authorization transaction. This feature adds the ability for MAO to externalize the authorization reversal transactions when the remaining amount on the auth is being reversed. MAO sends an authorization reversal request to Adyen in the required format when an auth reversal is required.

Settlement

A settlement transaction (Capture) is created when product on the order is fulfilled, so issuing bank sends funds to the seller’s payment processor, which disperses said funds to the merchant. This feature adds the ability for MAO to send a settlement request to Adyen in the required format when a payment capture is required.

Refund

A refund is required when money is owed to the consumer, triggered by a return, uneven exchange, appeasement, etc. This feature adds the ability for MAO to send a refund request to Adyen in the required format when a refund is required. Usually, a refund is issued for an existing order that is fulfilled and has invoice in Closed status. However, as a part of this App a backend API is included to process a refund without an existing order.

Fraud

Fraud is processed with Ayden RevenueProtect (RP) to provide capabilities to automate and streamline Order Reviews and Fraud Case Management operations. This feature adds the ability to support fraud check and case resolution between MAO and RP. When an order is updated in RP after being placed on fraud hold, RP provides notifications to MAO on any Fraud Status/Result changes.

3 - Aurus

What is Aurus?

Aurus is a leading provider of global payment software and services for retailers.

What does this integration include?

For Credit Card payment processing integration, Manhattan Active Omni integrates with AurusPay Switch to process payment transactions using Web-Service AESDK version 6.13.8. MAO generates the transactions in the format required by Aurus. Additionally, MAO adds logic for Hosted Checkout in the call center application, which is used to capture credit card information via AurusPay Switch. Then, Aurus returns the payment token, which can then be used for further transactions.

This integration also adds logic to process Gift Card, Klarna, Affirm, PayPal, and Digital Wallet (ApplePay/Google Pay) payment transactions, as well as Safety Pay (Bank Transfers in Mexico) and OXXO payments.

This document details MAO integration with AurusPay Switch via the following transactions:

Authorization (PreAuth)
Authorization Reversal (Void)
Settlement (PostAuth)
Sale
Refund
Hosted Checkout
Transaction Lookup
Issue Gift Card
Activate Gift Card
Balance Inquiry of Gift Card
Redeem Gift Card
Chargeback Sale

Authorization

An authorization, or approval from the card issuer through the payment gateway, is required to ensure the customer has sufficient funds to cover the cost of the transaction. Manhattan Active Omni (MAO) creates authorizations in various scenarios like when an authorization expires and requires a new authorization. This feature adds the ability for MAO to send the Aurus required format when an authorization is required.

Authorization Reversal

An authorization reversal occurs when a merchant reverses the authorization step of the transaction, before settlement has begun. Manhattan Active Omni (MAO) creates internal authorization reversals when the order total decreases. This feature adds the ability for MAO to externalize the authorization reversal transactions when the full remaining amount on the auth is being reversed. MAO sends the Aurus required format when an auth reversal is required.

Settlement

A settlement transaction is created when product on the order is fulfilled, so issuing bank sends funds to the seller’s payment processor, which disperses said funds to the merchant. This feature adds the ability for MAO to send the Aurus required format when a settlement is required.

Sale (Combo Call)

A sale is utilized to capture funds when base generates a settlement transaction upon adding a new payment method in the Call Center UI. This feature supports the capture of funds without requiring an authorization transaction.

Refund

A refund is required when compensation is owed to a customer; triggered by a return, uneven exchange, appeasement, adjustment invoice etc. This feature adds the ability for MAO to send the Aurus required format when a refund is required.

Hosted Checkout

Hosted checkout, or a 3rd party owned screen (iFrame) used to capture payment information during the order creation process in the Call Center application, is added as part of this feature. Aurus sends a token back to MAO, which is stored on the order and used for subsequent payment transactions.

Transaction Lookup

In scenarios where a timeout occurs when executing a payment transaction with Aurus, a lookup mechanism is required during retry to check if the transaction was processed. This features supports a lookup API call with Aurus before a new transaction is executed. If the transaction that timed out was processed by Aurus, this API returns the response details. Transaction Lookup calls are made for all the transactions listed in this extension except for the Gift Card Balance Inquiry.

Gift Card – Issuance and Activation Gift Card

For scenarios where a refund must be issued on a gift card as well as scenarios where an E-Gift Card is added to an order as a sellable item, MAO calls Aurus to issue and then activate a new E-Gift Card. The issuance/activation response, which contains the E-Gift Card number and PIN is translated by MAO into a fulfillment order event for the E-Gift Card which generates an outbound message with the E-Gift Card details.

Gift Card – Balance Inquiry

When applying a Gift Card as a payment method in the Call Center application, MAO makes a Balance Inquiry call to Aurus to confirm the card has the funds available. If the available balance is greater than the requested amount, MAO applies the gift card to the order for the requested amount. If the available balance is less than the requested amount, MAO applies the available balance. Additional payment methods are captured to continue the order creation process.

Gift Card – Redeem

When confirming an MAO Call Center order having a Gift Card applied as payment, MAO sends Aurus a Redeem request for the amount applied on the Gift Card in the Balance Inquiry step. The Gift Card Redeem transaction is modeled as a MAO Settlement transaction, and successful Gift Card redemption results in an order moving to Paid status (if the Gift Card covers the entire order total).

Pay by Link

With Pay by Link, customers can input their credit card information using their own mobile device, tablet, or laptop, rather than providing their sensitive credit card information to contact center agents. This reduces the level of risk for customers who are placing orders or making order edits over the phone.

OXXO

With OXXO payments, customers in Mexico receive a barcode on order confirmation which is saved to their mobile phones. The customer can then has 3 days to show the barcode at an OXXO store and pay for the order, at which point the OXXO payment, through Aurus, is posted to the MAO orders asynchronously. MAO executes payment cancellations for orders fully cancelled prior to payment being posted and refunds for any returns or adustments after payment has been posted.

4 - Chase

What is Chase Paymentech?

Chase is the a leading provider of merchant services with over $1 trillion in annual processing volume. Chase Paymentech is a credit card processing solution aimed at larger enterprise businesses.

What does this integration include?

For Credit Card payment processing integration, Manhattan Active Omni, MAO for short, integrates with Chase Paymentech’s Orbital Gateway to process payment transactions using SOAP Web-Service APIs on version 2.9. MAO generates the transactions in the format required by Chase Paymentech. Additionally, MAO adds logic for Hosted Checkout in the call center application, which is used to capture credit card information via Chase PaymenTech’s Orbital Gateway. Then, Chase returns the payment token, which can then be used for further transactions.

This document details MAO integration with Chase Paymentech Gateway via the following transactions:

Authorization
Authorization Reversal
Settlement (Mark for Capture)
Settlement Retry (Auth + Capture)
Refund
Hosted Checkout

Authorization

An authorization, or approval from the card issuer through the payment gateway, is required to ensure the customer has sufficient funds to cover the cost of the transaction. Manhattan Active Omni (MAO) creates authorizations in various scenarios like when an authorization expires and requires a new authorization. This feature adds the ability for MAO to send the Chase Paymentech required format when an authorization is required.

Authorization Reversal

An authorization reversal occurs when a merchant reverses the authorization step of the transaction, before settlement has begun. Manhattan Active Omni (MAO) creates internal authorization reversals when the order total decreases. This feature adds the ability for MAO to externalize the authorization reversal transactions when the full remaining amount on the auth is being reversed. MAO sends the Chase Paymentech required format when an auth reversal is required.

Settlement

A settlement transaction is created when product on the order is fulfilled, so issuing bank sends funds to the seller’s payment processor, which disperses said funds to the merchant. This feature adds the ability for MAO to send the Chase Paymentech required format when a settlement is required.

Settlement Retry

In specific scenarios when the settlement call fails, it may be required to re-authorize the payment transaction in order to settlement. This feature adds the ability for MAO to send the Chase Paymentech required format for scenarios where a failed settlement needs re-processing systematically.

Refund / Standalone Refund

Hosted Checkout

Hosted checkout, or a 3rd party owned screen (i frame) used to capture payment information during the order creation process in the Call Center application, is added as part of this feature. Chase Paymentech sends a token back to MAO, which is stored on the order and used for subsequent payment transactions.

5 - CyberSource

What is CyberSource?

CyberSource helped kick start the eCommerce revolution in 1994 and has not looked back since. Through global reach, modern capabilities, and commerce insights, CyberSource creates flexible, creative commerce solutions for everyday life—experiences that delight your customers and spur growth globally.

What does this integration include?

This App adds additional options to the base integration with CyberSource from Manhattan Active Omni Application for the following features:

Authorization Reversals – Ability to release the funds on the customer’s credit card in the event the full authorization amount is no longer required
PayPal integration via CyberSource – Ability to integrate to PayPal through CyberSource for Settlement, Refund, Reauthorization, and Authorization Reversals
Klarna integration via CyberSource – Support for MAO to call CyberSource for Settlement, Refund, Reauthorization, and Authorization Reversal for Klarna payment method
Bancontact integration via CyberSource – Support for MAO to call CyberSource for Refund for Bancontact payment method
iDEAL integration via CyberSource – Support for MAO to call CyberSource for Refund for iDEAL payment method
Przelewy24 integration via CyberSource – Support for MAO to call CyberSource for Refund against Przelewy24 payment method, and Refund Check Status call to update Pending Refund transactions to Refunded

Authorization Reversals

An authorization reversal occurs when a merchant reverses the authorization step of the transaction, before settlement has begun. Manhattan Active Omni (MAO) creates internal authorization reversals when the order total decreases. This feature adds the ability for MAO to externalize the authorization reversal transactions when the full amount on the auth is being reversed for the credit card. MAO sends the CyberSource required format when an auth reversal is required.

PayPal Integration through CyberSource

Manhattan Active Omni (MAO) out of box integrates directly with PayPal to process settlement & refund transactions. As part of this feature, MAO integrates with CyberSource Payment Gateway to process PayPal payment transactions via the Alternative Payment PayPal Express using Simple Order API. Manhattan Active Omni sends the request to the CyberSource Payment Gateway, which acts as a middle layer and directly integrates with PayPal. This service captures all payment messages sent from MAO, passes these messages to PayPal, and returns the response to MAO. This includes settlement, refund, and full authorization reversal payment transactions.

Klarna alternative payment methods IN CyberSource

Some clients may wish to support alternative payment methods via CyberSource. This feature adds support for Klarna, a Buy Now, Pay Later solution. Manhattan Active Omni sends the request to the CyberSource Payment Gateway using the Alternative Payment Simple Order API, which acts as a middle layer and directly integrates with Klarna. This service captures all payment messages sent from MAO, passes these messages to Klarna, and returns the response to MAO. This includes settlement, refund, reauthorization, and full authorization reversal payment transactions.

Bancontact online bank transfer integration through CyberSource

Clients may wish to support Bancontact, an e-commerce payment system in Belgium that enables customers to pay for goods using direct bank transfer from their bank accounts directly to your account. MAO integrates with CyberSource Online Bank Transfers using the Simple Order API to process payment transactions. Manhattan Active Omni sends the request to the CyberSource Payment Gateway, which acts as a middle layer and directly integrates with Bancontact. This service captures all payment messages sent from MAO, passes these messages to Bancontact, and returns the response to MAO. This includes follow-on refund transactions against Bancontact payment method settlements.

iDEAL online bank transfer integration through CyberSource

Clients may wish to support iDEAL, an e-commerce payment system in the Netherlands that enables customers to pay for goods using online bank transfers from their bank accounts directly to your account. MAO integrates with CyberSource Online Bank Transfers using the Simple Order API to process payment transactions. Manhattan Active Omni sends the request to the CyberSource Payment Gateway, which acts as a middle layer and directly integrates with iDEAL. This service captures all payment messages sent from MAO, passes these messages to iDEAL, and returns the response to MAO. This includes follow-on refund transactions against iDEAL payment method settlements.

Przelewy24 online bank transfer integration through CyberSource

Clients may wish to support Przelewy24, an e-commerce payment system in Poland that enables customers to pay for goods using direct online bank transfers from their bank accounts directly to your account. MAO integrates with CyberSource Online Bank Transfers using the Simple Order API to process payment transactions. Manhattan Active Omni sends the request to the CyberSource Payment Gateway, which acts as a middle layer and directly integrates with Przelewy24. This service captures all payment messages sent from MAO, passes these messages to Przelewy24, and returns the response to MAO. This includes follow-on refund transactions against Przelewy24 payment method settlements.

6 - Fiserv

What is Fiserv CardConnect?

CardConnect is a payments platform of Fiserv, focused on helping businesses of all sizes grow through the seamless integration of secure payment processing.

What does this integration include?

This integration enables communication for Manhattan Active Omni (MAO) Point of Sale (POS) card payment flows with Fiserv’s CardConnect platform (API version V3). Card payment types supported through this integration include Credit Cards and Debit Cards.

Integration between MAO POS and Fiserv’s CardConnect Platform is implemented using REST Web-Service APIs. Card-present payment transactions are integrated from the POS register application in the store to CardConnect’s BOLT REST APIs while Card-not-present payment transactions are integrated from the MAO Cloud Server to CardConnect’s CardPointe REST APIs.

MAO sends requests to Fiserv CardConnect in the format required by Fiserv and processes responses from Fiserv back into MAO.

This document details MAO integration with Fiserv CardConnect Gateway via the following transactions:

Bolt
- Connect and Disconnect
- Display cart on terminal screen
- Confirm Address on terminal
- Card Payment Capture
- Refund By Card Entry
- Offline Payment Processing
Card Payment Capture
Card Payment Refund
CardPointe
- Follow on Refund (referenced refund to original card by transaction token)
- Standalone Refund (unreferenced refund to original card by card token
- Void Capture
- Void Refund

Connect and Disconnect with Payment Terminal

The Bolt API Connect initiates a session between POS register and the Payment Terminal (terminal). The session key returned by the Connect API is required to be included in all subsequent API requests to the Bolt webservice. MA POS initiates the session when a transaction is created in POS and closes the session once the transaction is completed, voided or suspended. The Bolt API Disconnect is executed to close the session between the register and terminal.

Display Cart on Payment Terminal

The Bolt API Display is executed by POS to display the latest updates to the shopping cart on the payment terminal. Each time the cart is modified, such as by adding an item or overriding a price, the POS register calls the display API to update the payment terminal screen with the details of the current state of the cart.

This applies only to Fixed POS Registers where the customer typically cannot see the cart on the POS register UI. In case of Mobile POS Registers, cart is not displayed on the terminal since the user can easily share the POS UI with the customer.

Capture and Settlement

POS executes the authCard Bolt API with the Capture flag set to true to capture payment for a cash and carry transaction. This causes CardConnect to prompt for card entry (among other things) and Authorize and Capture the payment as part of a single API call.

Capture is the process of queuing a payment transaction for Settlement. Settlements are run overnight by Fiserv CardConnect at a pre-configured time agreed to with merchant. Settlement triggers the issuing bank to transfer funds to the merchant’s bank (Acquirer).

Void

A Void operation reverses a payment transaction such as a capture or refund before settlement has occurred. MAO POS executes void in a few different scenarios:

When an order is post-voided
When a partial card payment applied to an order is voided mid-transaction. This may be because customer changed their mind and wants to pay for the transaction with a different tender or card.
During payment reconciliation after store close to void abandoned payments (payments with error conditions)

Refund

Refunds are executed in MAO POS to process returns or negative exchanges. Depending on the type of return different types of refunds are executed:

Refund to original card may be executed in two ways without card being present
- If the settlement is not expired for the original payment then a refund is executed against the original payment transaction (CardPointe API Refund) – this is called a follow-on refund or a referenced refund
- If the settlement has expired for the original payment then a refund is executed using the card token from the original payment transaction (CardPointe API Authorization) – this is called a standalone refund or an unreferenced refund
When card is present, refund is executed by card entry (insert, tap or swipe) through the Bolt API authCard with negative amount

Store and Forward (SAF)

SAF is a mechanism by which a payment can be captured with card present on the payment terminal even while the payment terminal is unable to connect to the gateway (Bolt Service). In such a scenario the payment capture is stored locally on the payment terminal until such time the payment terminal’s connection to the Bolt Service is restored. Then the payment terminal uploads all the captured payments (and refunds) to the gateway.

Display Address Confirmation on Payment Terminal

When capturing or editing a customer address on POS fixed register, this feature allows MAO to display the address on the payment terminal for confirmation by customer before it is saved. It allows the customer to specify if the displayed address is correct or not.