Developing to NCR Payment Solutions
When integrating to our Platform there are three top level options to choose from. Direct processing via XML to our front end batch processing utilizing file uploads for processing based on XML or blind redirect using HTTPS POST method in our JetDirect payment method.
Transaction communications with the front end are sent via XML. The XML Schema is your road-map to developing applications and products that communicate with our platform.
Our Batch Processing system is intended for those merchants that need to do a card AUTH and subsequent CAPTURE. The batch process works via file transfers to SFTP locations using PGP. Special certification is required to use batch processing with our platform.
XML Testing – https://test3.jetpay.com/test/
JetDirect Testing –https://testapp1.jetpay.com/JetDirect/jdv2/gateway/jp-handler.php
All documentation includes testing credentials to get you going. Once you have tested and you feel ready to move to certification testing please developer our Dev Group Manager for your DevId and to register you build for certification.
The following is a listing of Test Credit & Debit Card numbers for testing your application. All numbers pass LUHN checking. Please refer to the XML Schema for information on CVV, AVS and ZIP Matching for specific values.
American Express - 3111111111111117
American Express - 378282246310005
American Express - 371449635398431
American Express Corporate - 378734493671000
Diners Club - 30569309025904
Diners Club - 38520000023237
Discover - 6111111111111116
Discover - 6011111111111117
Discover - 6011000990139424
MasterCard - 5111111111111118
MasterCard - 5555555555554444
MasterCard - 5105105105105100
Visa - 4111111111111111
Visa - 4012888888881881
All expiration dates set in the future will return - APPROVED
All expiration dates set in the past will return - DECLINED
Test ACH Numbers
Processed Automated Clearing House (ACH) payments as well as Credit & Debit Cards. Use the following to test ACH processing through our platform.
Routing Number (DDA) - 123123123
Account Number (ABA) - 123456789
In order to complete a full ACH test you will need to provide and account holder name and a check number.
Integration to our platform is very straight forward. However, there are a couple of things that you should know when it comes to integrating with us. We are one of about 20 top level processors. As a processor we are not part of the gateway payments class (PayPal®, Authorize.net™, MoneyBrokers® etc) that most developers are use to integrating. In the world of payments there is a very simple structure, from top to bottom it looks something like this:
Card Associations – Visa, Mastercard, Discover, American Express
Payment Processors – NCR Payment Solutions, some banks
Gateways – Authorize.net, PayPal, MoneyBrokers, Brain Tree…
Sales Organizations – ISOs, VARs
Merchants – where cards are accepted
In this structure everything is written to the level above – Sales to Gateway, Gateway to Processor, Processor to Associations. In order to send transactions to our platform, your project must have bi-directional communication with us in our standard. Our standard is XML for direct processing and HTTPS POST data via JetDirect. We respond in the respective format received. We only accepts these language standards of communication. How you generate your XML and/or HTTPS POST is up to you. For web developers that are generating shopping carts or other Online payment systems this is not too much of an issue since both XML and HTTPS POST are native to most all web languages.
Application developers such as Point of Sale systems, integrated payment software, and mobile applications this can get a little more difficult, but not by much. We will work with you in any capacity you need to get your implementation up and going just let us know how we can help.
Like we said, we are not your typical implementation route. If you have ever done payments integration then you have heard of Payment Card Industry (PCI) Compliance. With us being at the top end of the PCI chain there are some special rules that we have to follow, and one of them is that we can’t allow un-vetted code to run within our network, this means no sandbox (even if it’s on a separate segment) for development testing by outside sources. Most every developer has their own testing environments, and since testing certification with us requires your testing to be done on a mirror of your production systems it is really best to develop and test from your built environment.
Not to worry, you can send any questions that you might have regarding developing, standards, testing, and so on to our Dev Group Manager. Emails are replied to in the order they come in and you will generally see a reply the same day. If your question needs more detail we will be more than happy to arrange a call to go over anything you need.