Knowledge Base
3D-Secure shall mean a two-factor authentication protocol used for additional user verification. It usually looks like a request to enter the password sent by the bank via text message to the phone number associated with the card.
API shall mean the software interface for interacting with the Assist hardware and software complex (HSC).
Billnumber shall mean a unique number in the Assist HSC system corresponding to one order. The expanded format of the Billnumber parameter is 500000000000000.1, where the first 15 or 16 digits are the number corresponding to the order, and the digit after the separator is the sequence number of the transaction performed under the order.
PCI DSS (Payment Cards Industry Data Security Standard) shall mean the data security standard for bank card operations that describes the requirements for network infrastructure and business processes of organizations that send, process and store data of cardholders.
Bank Card Authorisation shall mean the process of authorising a bank card transaction.
Acquiring Bank shall mean an organization that performs the entire set of financial operations related to settlements and payments by bank cards.
Issuing Bank shall mean an organization that issues and services bank cards. Such a bank guarantees the fulfillment of financial obligations arising during the use of cards by cardholders.
Two-Stage Process shall mean a payment to be settled in two stages: first, the bank card is authorised and the money is put on hold, and then the transaction is confirmed and the money is debited.
An Order is generated in the Assist HSC system when the system server receives an authorisation request from the online shop with all the necessary parameters. Several transactions may be performed for one order, including payment, financial confirmation (if the shop operates according to the two-stage process), and cancellation. Only one successful payment transaction and one successful financial confirmation transaction can correspond to one order.
Internet Acquiring shall mean the acceptance of bank cards and electronic money for online payment.
BO shall mean the Back Office of the merchant in the Assist HSC system.
Original Amount and Currency shall mean the amount and code of the payment currency that have been transmitted in the payment parameters to the Assist HSC server.
Payment Transaction shall mean the debiting or blocking of money on the cardholder's account after bank card authorisation.
Cancel Transaction is performed when it is necessary to cancel bank card authorisation or to make a refund.
Payment confirmation transaction is performed by an online shop that uses a two-stage process. It is only after payment confirmation that a financial transaction is generated.
Authorisation Amount and Currency shall mean the currency amount and code that have been transmitted to the processing centre during bank card authorisation.
Payment page shall mean the page, on which the buyer can choose payment means, log in to make a payment, or cancel a payment.
Merchant shall mean a retailer and a service outlet.
Financial Transaction shall mean providing payment data to the processing centre for debiting from the payer's account.
Payment Form shall mean a page on the merchant's website, on which the buyer places an order for goods or services, with the order information being transmitted to Assist HSC and the buyer being redirected to the Assist HSC payment page.