Unterstützung von mehr als 20 Bezahlsystemen!
Workspace verfügt über vorgefertigte Integrationen in zahlreiche Bezahlsysteme. Es kommen ständig neue Systeme hinzu. Der Händler kann die im Webshop verwendeten Bezahlsysteme über das Modul Payment Gateway auf der Verwaltungsoberfläche verwalten.
International payment systems
PayPal
PayPal accepts world's major credit cards such as Visa, MasterCard, American Express, Discover and Amex. Customers do not need active PayPal account, if paying with credit card. Current version of PayPal IPN (Instant Payment Notification) integrated into Workspace is 1.7. IPN uses Workspace order id's to identify the payment request.
Workspace merchants direct their customers to PayPal payment form, where customer confirms payment by giving his/her credit card info. IPN then posts a notification to Workspace about the payment. Notification includes all payment information and an encrypted code.
When Workspace receives the notification, payment information with that code will be sent back to PayPal for integrity check. IPN then authenticates the transaction and sends a confirmation about its validity to Workspace.
ITransact
ITransact credit card payment doesn't have a version number included in its payment implementation. Credit cards supported by ITransact are Mastercard, Visa, American Express, and Diner's. ITransact credit card CVV Card Verification Value check has been enabled when integrated into Workspace to increase security of payment and reduce possibility of fraud.
In order to use RediEFT (electronic funds transfer), you must have an account with First American Payment Processing (FAPP), a trusted EFT processor. Workspace merchants direct customers to ITransact payment form where credit card information can be submitted.
All connections between ITransact, Workspace and customer are SSL encrypted, and no credit card information is passed back to Workspace. After customer data (credit card number or checking account number) arrives at iTransact's server, it is re-encrypted using PGP (RSA algorithm), which makes the information unreadable.
Order's reference number and timestamp are used to check payment integrity when the customer returns to the Workspace Webshop.
Ogone
Ogone e-Commerce is international payment platform supported in countries like Belgium, France, Netherlands, Austria, Germany, Luxembourg, Switzerland, and United Kingdom. Ogone accepts a large range of methods of payment, including bank cards and NetBanking systems and it is compatible with SSL3, Verified-By-Visa and SecureCode. Ogone offers merchants a management module, with secure access, where they can manage their transactions and configure their account.
Finnish payment systems
The payer/customer using Finnish payments can be the bank's retail or corporate customer, who has the necessary service keys for the bank's service. In order to use the bank's Web Payment, merchant should have an agreement with the bank.
Account transfer from the customer's account to that of the Workspace merchant's account is immediate and instantly visible among the Workspace merchant's transactions. All Finnish payment interfaces use a 32-character hexadecimal MD5 hash code to check the integrity of payment transactions.
The process of payment in Workspace includes sending a payment request with a payment form to the bank. The request includes all the information concerning the Workspace merchant and the customer's order. Along with the information sent to the bank, is the MD5 hash code, which is in form of 32-char hexadecimals, which the bank uses to check the integrity of the payment request.
If all the information is accurate, bank sends the customer payment request - customer will be redirected to the bank's payment request identification form. After a successful identification and account transfer, the customer and transaction information, protected by a MD5 hash code is transmitted back to Workspace.
Workspace checks the integrity of received information using the MD5 hash code and some additional parameters returned from bank. Order will be cancelled, if payment information, including customer's order, received from the bank doesn't match the order in progress in Workspace, otherwise order status in Workspace set to paid. Within payment process also transaction created for every single order. Transaction gives detailed information about ordering process and order statuses.
Luottokunta credit card payment
Luottokunta accepts MasterCard and Visa credit cards. Current Luottokunta payment version supported by Workspace is 1.2. Luottokunta payment has been integrated with Workspace using Luottokunta's dynamic HTML web interface.
Payment form, generated by Workspace includes all order, merchant and customer information. Workspace gives each payment request its unique id, which is generated either from the order id or transaction id, based on settings in administration page. This id connects the order to the payment. Form will be sent to Luottokunta for integrity check.
If the integrity is confirmed, the customer will be redirected to Luottokunta's own payment identification form. The integrity check uses a 32-character hexadecimal MD5 hash code to confirm the payment request. Workspace generates a hash code based on the order information sent to Luottokunta.No credit card information is passed between Workspace and Luottokunta.
When returning from Luottokunta to Workspace, Luottokunta passes an MD5 hash code (LKMAC) among other order information. Based on that hash code Workspace checks the integrity of the payment information returned and if the payment transaction succeeded.
Nordea's e-payment
Current version of Nordea e-Payment integrated with Workspace, is 0003. Security check key used in MD5 hash generation is 32 characters long and its version number given from bank is either 0001 or 0002.
Sampo's Web Payment Service
Current version of Sampo's Web Payment, integrated with Workspace, is 2.
OKO bank's web payment
Currently the OKO bank's web payment version integrated to Workspace is 1 (parameter VERSIO). Invoicer's check version (parameter TARKISTE-VERSIO), is currently 1.
Sp/Pop, Aktia Web payment
Current version of Sp/Pop payment integrated with Workspace is 0001.
Handelsbanken
Current version of payment integrated with Workspace is 0001.
Ålandsbanken
Current version payment integrated with Workspace is 0002.
Sonera's Web Payment Service
Current version of payment integrated with Workspace is 0.1.
Swedish payment systems
Håndelsbanken
Current version of the Håndelsbanken integrated with Workspace is 1.
Nordea e-payment
Current version of the Nordea e-Payment integrated with Workspace is 0001.
Estonian payment systems
Hansabank Banklink
Hansabank Banklink has been integrated to Workspace using Hansabank's own bank link Java API 1.4.1. Workspace merchants direct their customers to hanza.net with prepared payment orders and receive confirmation from the bank concerning the success or failure of the payment order.
The communication between the bank and the customer takes place using SSL encryption. The data presented to the merchant from Hanza.net and vice versa, are electronically signed, which allows the opposite party to verify the correctness of the data presented.
The value of the digital signature used in queries is calculated on the basis of the public key RSA algorithm, VK_VERSION. The version currently used is 008. VK_MAC is submitted as the value of the query parameter in BASE64 encoding. Signature is calculated according to the PKSC1 standard (RFC 2437), using private and public keys. Public keys exchange should be made with the bank.
Order reference number and payment timestamp generated by Workspace are used to identify the payment request. When returning from bank to the Workspace shop the reference number and timestamp of the order should match the ones in process by customer.
SEB Eesti Ühispank
The SEB Eesti Ühispank payment works similarly as the Hansabank Banklink payment.
Sampo Banklink
The Sampo Banklink payment works similarly as the Hansabank Banklink payment.
Krediidipank i-bank
The Krediidipank i-bank payment works similarly as the Hansabank Banklink payment.
Nordea e-payment
Current version of the Nordea e-Payment integrated with Workspace is 0003. Security check key used in MD5 hash generation is 32 characters long and its version number given from bank is either 0001 or 0002.
Estcard
Estcard's E-Commerce Payment Gateway is service provider in electronic banking environment in Estonia. All local banks issuing payment cards are supported and being served by (Card Centre of Banks Ltd or "PKK"): Those banks are Hansabank, Eesti Ühispank, Sampo Estonia, Nordea Bank Finland Plc Estonia Branch, Eesti Krediidipank, Tallinn Business Bank Ltd.
Cards supported are: Visa, Visa Electron, Mastercard, Maestro, Diners, Amex, JCB International. All data presented to the merchant from Estcard and vice versa, are electronically signed, which allows the opposite party to verify the correctness of the data presented. The digital signature is calculated on the basis of the public key RSA algorithm.
Latvian payment systems
Hansabanka
Information for the Estonian Hansapank payment also apply to the Latvian version.
Nordea e-payment
Current version of the Nordea e-Payment integrated with Workspace is 0003. Security check key used in MD5 hash generation is 32 characters long and its version number given from bank is either 0001 or 0002.
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