Developing to NCR Payment Solutions
Integrations are becoming more and more complex in meeting the industry standards. NCR Payment Solutions has launched our Developers Group with the main focus of making your integration or application development as easy as possible.
In an effort to aid software engineers, web developers and other professionals in their development and integration efforts with us, we offer various documentation, sample scripts, and other resources to the development community. These resources will help you in your projects by providing standard and detailed information about our products and services, all geared to making your project as easy as possible.
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.