• What is Verified By Visa?

VbV is a security feature offered by Visa for Internet transactions. If a customer’s bank offers it, the customer can associate a password with their Visa card in addition to the normal security process. If VbV is enabled, a customer cannot complete a transaction without their password.

• How does Verified By Visa (VbV) work?

When a VbV card is entered into the payment page, we automatically detect it as a VbV card and contact the Visa server. The Visa server then directs the customer to unique pages provided by banks who support VbV.

Every bank has a different page that we will load. The VbV verification pages are not provided by 2Checkout.

Different banks have different policies. Some banks require VbV. If a VbV password is not set, they may prompt the customer to set the password. Some banks do not require VbV or do not offer it.

• Why is the customer stuck on the VbV loading page?

If the buyer is stuck on the VbV loading page, it has to do with the issuing bank server. The issuing bank server may be performing maintenance or have an outage.

The buyer should allow 24 hours and try again and, if the issue continues, may wish to contact the bank that provided the Visa card.

• What is the Buyer’s Verified By Visa (VbV) password?

Most issues must be taken up with the Buyer’s bank. If the buyer does not know their password, then they will have to go through the “Forgot Password” process or contact the issuing bank. We can not offer a solution to bypass this step.

The buyer can skip the password, but this is done by using a different card to make payment. There is a link that says to click here to use a different card, which will return to the payment page to enter a different credit card.

Almost every issue with the Verified by Visa will be related to the verification. There should be a “Help” link on almost every bank’s VbV page. This “Help” link explains VbV, solutions to common issues and how to contact the appropriate bank.

What are Product Options?

Product options are variable selections of certain products, such as shoe size or shirt color, offered to customers. When a customer orders a product that is associated with a product option, the option will be presented in a drop down selection box on the first page of the purchase routine.

The product options page in your account provides you with access to view, create, remove and edit your product options. To access the product options page in our new vendor administration panel please login at the following url: https://www.2checkout.com/va/

Once you have logged in, click on the ‘Products’ tab and then select the ‘Options’ sub category.

The product options page provides you with the options name, the option values names and the surcharge for each value. The left side of the table provides you with the ability to delete and edit the options. The product options page also provides you with the ‘Option Locater’ search tool which allows you to search by the option name and option value name.

Creating Product Options

If you would like to create a new option you can click on the ‘Add New Option’ link on the right hand side of the page. From here you must specify the following:

• Option Name: The name of the option you create. This name will identify the product option for your customers on the order review page.
• Value Names: These are the actual choices offered for the given option. For instance, if you have ‘Size’ as an option, the values might be ‘Small’, ‘Medium’, and ‘Large’.
• Surcharge: This is the additional cost you may charge customers to choose a certain option. Surcharges may be specified in whole numbers (5) or as decimals to two places (5.00, 4.99, etc.). You do not have to add surcharges.

There is no limit to the number of option values and you may specify up to 10 at a time by using the option value drop down. When your option values are entered you may click the save changes button to save your current values. This action will also provide you with new option value fields.

Associating Product Options

Once your product option has been created you may associate it with the certain products by selecting the ‘Products’ tab and clicking the ‘Edit’ icon for the product. Your newly created product option will be listed on the right hand side of the page. It can be associated with your product by clicking on the check box next to the option name and then clicking the save changes button.

Editing Product Options

To make changes to your current product options click on the icon located in the ‘Edit’ column. Editing the option will allow you to change any of the current option value and surcharges as well as add new option values and surcharges to the product option. To add additional option values select the number of new values you wish to add from the drop down box located above the option details.

When an order is initially placed, 2checkout.com will gain an authorization from the customer’s bank to guarantee that the funds will be available. The length of time these authorizations are valid varies depending upon the bank.

If you mark an order as shipped before the authorization expires, there will be no need to gain a reauthorization. However, if the authorization expires before you provide the shipping details, the order will be moved to the reauthorization section of your mark shipping page and you will need to click the button to reauthorize the card before you will be able to mark the order as shipped. The fee for each reauthorization attempt, whether it is successful or not, is $0.25 USD.

If a reauthorization is successful, you will receive a confirmation and the order will be moved back to the regular area of your Mark Shipping screen so that you can enter the tracking details.

In some cases, the reauthorization will fail to process at the customer’s bank. This will often happen if the funds are no longer available or if the customer’s card has recently expired. When the reauthorization fails you have 3 options for proceeding with the sale.

1. You can simply wait until the next day and attempt the authorization again (you can only attempt to reauthorize an order once a day).

2. You can send an email to your customer advising them that their bank is now declining the transaction. They can simply contact their bank to have them remove any blocks.

3. You can send the customer a request for payment for the missing amount. To send a request for payment you can simply click on the ‘Create Invoice’ button from your Account Homepage. This will allow the customer to provide updated billing and credit card information.

Please note, however, that the request for payment will actually create a brand new sale number in the system. You will want to make sure that you cancel the original order for your own records.

The 2Checkout.com, Inc. copyright violation policy is available at http://www.2co.com/dmca/

The ability to include ‘demo=Y’ to return to the vendor defined approved URL without placing a valid order is not a security flaw or error, it is the intended usage of this parameter. It is included in the parameter set in order to allow for vendor testing, from the start of the order process (passing the parameters to 2checkout’s purchase routine), to the end of the order process (returning to the Approved URL defined by the vendor).

It is true that if a vendor defines an approved URL that allows access to the downloadable product/service they are selling, and the vendor takes no further security precautions, someone could download the product/service by including the ‘demo=Y’ parameter.

The ability to control the demo parameter is available from inside the 2Checkout system. You can choose from the following 3 options inside of your 2Checkout account to control the use of the Demo parameter. Those choices are:

• On: Using this setting all sales will be treated as demo, regardless of any parameter value.
• Off: Using this setting all sales will be treated as live, regardless of any parameter value.
• Parameter: Using this setting a demo parameter sent to the purchase routine will control the demo setting.

To access the Demo setting in your account you will need to log in to your account and then click the Account tab. On the Account page click the Site Management sub-tab. After you have selected the Demo setting that best fit’s your current need and then click the blue Save Changes button at the bottom of the page.

It is not recommended to provide a downloadable product/service to a customer immediately after a sale completes by means of a return to the Approved URL. It is recommended to allow the fraud review process to complete before providing your customer with the product/service.

We realize that some vendors may not wish to wait for the fraud review process to complete before providing their customer with a downloadable product/service. For such vendors, the MD5 hash is provided to help verify the authenticity of a sale. We intentionally break the hash code that is passed back if the ‘demo=Y’ parameter is used. You can compare the value of the hash we pass back with the value of what the hash should be (this needs to be calculated on your end). This will allow you to determine whether or not to provide the customer with the downloadable product/service. It should be noted that when using this method to provide a downloadable product/service immediately, you do run the risk of having your product/service stolen by someone placing a fraudulent order with a stolen credit card.

For full details on using the MD5 hash please refer to the article How do I use the MD5 Hash?

If you choose to provide a downloadable product/service immediately after a sale using the Approved URL, and do not check the MD5 key which is passed to the Approved URL to verify the validity of the sale before providing a customer with a product, then you are accepting the risk that your product may be taken without being paid for by someone who includes the ‘demo=Y’ parameter.