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Virtual APIVersion 8.0.0

Merchant User Guide

MyGate Communication (Pty) Ltd Reg. No: 2006/018060/07, Vat No: 4020234409 Tel: +27 21 555 3260, Website: www.mygate.co.za

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Introduction: ......................................................................................................... 5 Overview: ............................................................................................................. 6 MyGates role in the transaction process: ............................................................. 7 MyGate Payment Solutions:................................................................................. 8 The MyGate Web Console: .................................................................................. 9 Global IP Recognition (GIR) ............................................................................10 Repeated Failure Identification (RFI) ...............................................................10 Repeated Successful Identification (RSI) ........................................................10 Unique Client Index (UCI)................................................................................10 Blacklisting.......................................................................................................10 3D-Secure: ..........................................................................................................11 What is 3D Secure?.........................................................................................11 How does 3D-Secure work with MyGate? .......................................................11 What are the advantages of 3D-Secure?.........................................................12 Credit Card Processing: ......................................................................................13 Variables to Be Posted To MyGate:.................................................................13 Shopping-Cart Variables that can be posted to MyGate:.................................16 MyVirtual HTML Code Example: .....................................................................17 MyVirtual Shopping Cart Code Example: ........................................................18 RCCB Integration: ...............................................................................................20 RCCB Overview: .............................................................................................20 RCCB Variables to Be Posted To MyGate: .....................................................21 RCCB HTML Code Example: ..........................................................................24 Cell Pay Point Integration:...................................................................................26 Variables to be Posted to MyGate: ..................................................................26 HTML example core requirements ..................................................................28MyGate Communication (Pty) Ltd Reg. No: 2006/018060/07, Vat No: 4020234409 Tel: +27 21 555 3260, Website: www.mygate.co.za

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HTML example when send through shopping cart details ...............................29 eBucks Integration: .............................................................................................30 Variables to be Posted to MyGate: ..................................................................30 eBucks HTML Example: ..................................................................................32 mimoney Integration:...........................................................................................33 Variables to be Posted to MyGate: ..................................................................33 mimoney HTML Code Example: ......................................................................35 SNAP Integration: ...............................................................................................36 Variables to be Posted to MyGate: ..................................................................36 SNAP HTML Code Example:...........................................................................38 Testing the Payment Gateway: ...........................................................................39 FNB Successful Test Card Details:..................................................................39 FNB Failed Test Card Details: .........................................................................39 Nedbank Successful Test Card Details: ..........................................................39 Nedbank Failed Test Card Details:..................................................................39 mimoney Test Voucher Details:.......................................................................39 Return Variables from MyGate:...........................................................................40 MyGate Encryption:.............................................................................................41 Encryption Webservice: ...................................................................................42 Decryption Webservice:...................................................................................42 Error Codes:........................................................................................................43 1xxx = MyVirtual - Validation Response Codes ...............................................43 2xxx = MyVirtual - Initiating Response Codes .................................................48 4xxx = MyVirtual - Security Response Codes..................................................50 5xxx = MyVirtual - Gateways Response Code.................................................51MyGate Communication (Pty) Ltd Reg. No: 2006/018060/07, Vat No: 4020234409 Tel: +27 21 555 3260, Website: www.mygate.co.za

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6xxx = MyVirtual - Fraud Module Response Code ..........................................52 8xxx = MyVirtual Warnings Codes................................................................52 9xxx = MyVirtual - Unexpected Error ...............................................................54 1xx 2xx mimoney Error Codes......................................................................54

MyGate Communication (Pty) Ltd Reg. No: 2006/018060/07, Vat No: 4020234409 Tel: +27 21 555 3260, Website: www.mygate.co.za

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Introduction:Since the inception of MyGate, the MyVirtual Payment Solution has been the most popular in the market. This is largely due to the ease of integration into the solution and the high level of Security that it provides to Merchants. The MyVirtual 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 checkout process. MyGate also pride ourselves on our level of security. 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 clients credit card details are kept safe. MyGate is also fully PCI-Compliant meaning that our systems have gone through rigorous testing and certification procedures to ensure that your clients information remains confidential and is not prone to attacks or theft.

MyGate Communication (Pty) Ltd Reg. No: 2006/018060/07, Vat No: 4020234409 Tel: +27 21 555 3260, Website: www.mygate.co.za

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Overview:MyVirtual allows the merchant to utilize the MyGate payment webpage. This means that your clients will be directed to MyGates 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. The process of the transaction is as follows:

One of the main benefits of utilising the MyVirtual 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. This is beneficial to you as you do not need to go through the process of becoming PCI-Compliant and/or obtaining a SSL Certificate.

MyGate Communication (Pty) Ltd Reg. No: 2006/018060/07, Vat No: 4020234409 Tel: +27 21 555 3260, Website: www.mygate.co.za

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MyGates role in the transaction process:As the Payment Service Provider (Payment Gateway), MyGates role in the transaction process is as follows: MyGate receives the transaction details from the Website via form POST. MyGate accepts the details from the buyer. MyGate does validation ensuring that the buyer entered valid information. MyGate Processes the transaction by submitting the transaction details to the merchant bank in a live environment. The merchant bank processes the transaction and returns to MyGate with a result and/or error code. MyGate returns this result and/or error code with error description back ro the Merchant Website address specified in the form POST. 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 and/or SMS.

MyGate will also provide the merchant with access to the MyGate Web Console. Here, the merchant will be able to view the transactions in a live environment along with their transactional status (Authorized, Settled, Refunded, etc). The client will also be able to view the client details along with the items purchased provided they get submitted to MyGate in the form POST from the website.

Website Orders Payment Gateway

Bank

MyGate Communication (Pty) Ltd Reg. No: 2006/018060/07, Vat No: 4020234409 Tel: +27 21 555 3260, Website: www.mygate.co.za

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MyGate Payment Solutions:MyGate offers a