Credit Card Payment Gateway

Technical FAQ

Zipzap Payment Gateway have provided multi-currency credit card payment processing services to New Zealand Merchants for more than 9years.

What are the advantages of installing SSL on my web domain?

Recent research has shown you can increase your web site sales and/or customer usage simply by showing your customers you take their security seriously.

64% of online shoppers have failed to complete an online purchase because they didn't get a sense of security and trust when it came time to provide payment information (Source: TNS study, July 2004).

85% of users are concerned about being a victim of identity theft (Source: InsightExpress, June 2004).

80% of online shoppers expect to see a trust mark displayed on a Web site's home page. (Source: TNS study, July 2004).

Click here to view our SSL Certificates bundles

What is RAW MODE Method from a developers view point?

When raw-mode is enabled, the output of the Zipzap system is: eg

success|fail|error,transaction reference,transaction status code, transaction status text

Raw-mode is useful if you wish to call the Zipzap system to process an order, and get the raw transaction details, and then do all the other processing in your system - In this manner, the client's browser never connects to the ZipZap system

i.e undertake other processes eg write to database, create download pages for ESD etc.

Add to your payment page this parameter and variable

rawmode="1"

i.e "1" = enabled

Can I use any other variables in my POST to Zipzap

<reference1>: your sys unique number
<reference2>: your order number
<email> : your customers email address for a payment receipt

If integrating with the BNZ Buyline or Currency Select:

These parameters are recommended

<success_url>: Your URL the ZipZap system return the purchaser to upon transaction success.

<fail_url>: Your URL the ZipZap system return the purchaser to upon transaction failure.

<error_url> : Your URL the ZipZap system return the purchaser to upon transaction error.

When we test we recieve RESPONSE CODES, what do they mean?

AS2805 Numeric Transaction response code returned by Creditcard Acquirer Bank

00 - Approval
01 - Declined - Call Auth Centre
02 - Referral
03 - Invalid Merchant Identifier
04 - Declined - Pick Up Card
05 - Declined
06 - Error
07 - Pick Up Card Special Condition
08 - Accept With Signature
09 - Request in Progress
10 - Partial Payment
11 - VIP Transaction Accepted
12 - Invalid Transaction
13 - Invalid Amount
14 - Invalid Card Number
15 - Invalid Issuer
16 - Track 3 Updated
17 - Customer Cancelled
18 - Customer Dispute
19 - Re-Enter Transaction
20 - Invalid Response
21 - No Action Taken
22 - Suspected Malfunction
23 - Transaction Fee Declined
24 - No File Update
25 - Unable to Locate Transaction
26 - Duplicate File Update
27 - Edit Error
28 - File Update Locked
29 - File Update Failed
30 - Format Error
31 - Invalid Card Type
32 - Partially Completed
33 - Declined Contact Bank or Card Holder
34 - Expected Fraud
35 - Contact Aquirer
36 - Restricted Card
37 - Security Violation
38 - Pin Retries Exceeded
39 - No Credit Account
40 - Not Supported
41 - Lost Card
42 - No Default Account
43 - Stolen Card
44 - No Investment Account
51 - Insufficient Funds
53 - No Savings Account
54 - Expired Card
55 - Incorrect PIN
56 - No Record of Card
57 - Invalid Transaction For Card
58 - Invalid Transaction For Terminal
59 - Security Violation
60 - Call Aquirer
61 - Withdrawal Limit Exceeded
62 - Restricted Card
63 - Security Violation
64 - Incorrect Amount
65 - Activity Count Limit Exceeded
66 - Call Aquirer
67 - Use Manual Voucher
68 - Retry
75 - To Many Pin Retries
76 - Amount Limit Exceeded
77 - Use Manual Voucher
78 - Invalid Merchant Card
79 - Invalid Merchant Pin
81 - Balance Unavailable
82 - Volume parameters exceeded
84 - Insufficient Funds
86 - Stolen Card
88 - Invalid Merchant Number
89 - Invalid Terminal Number
90 - Settle in Progress
91 - Host Unavailable
92 - Unable To Rout Transaction
93 - Security Violation
94 - Duplicate Transmission Detected
95 - Bad Settlement - Do Batch Transfer
96 - System Error
97 - Good Settlement
98 - Encryption Error
99 - 130 - Declined - Contact Bank

Alpha Transaction response code returned by Creditcard Issuer

BE - Batch Empty
BT - Batch Transfer
CA - Cancelled
CO - Completed
IA - Invalid Amount
IC - Invalid Card
IE - Invalid Expiry
II - Invalid IP address
IO - Invalid OPS
IP - Invalid Password
IR - Invalid Request
IS - Invalid Sequence Number
IT - Invalid Terminal
NA - Data Capture Host Not Available
NR - No Response Received
NS - Not Sent to Authorisation Servers
NT - No Transaction with this sequence exists
NX - No Foreign Exchange enabled for this card type
OE - Online Error
OK - Approved - Message processed correctly
PR - Processing Reversal
PS - Processing Settlement
RR - Response Received
SE - Settled already
TO - Time Out - no response within time limit
UN - Unavailable - the system is unavailable at present

What types of transactions does Zipzap do?

We only allow PURCHASE type transactions from a website

A PURCHASE Transaction is just that - a credit card purchase transaction received from your web domain or merchant interface, routed by Zipzap to the Card Issuer servers for validation, where funds are withdrawn from the card holder's credit card and settled into your merchant account, Identified as a {P} type transaction in your virtual terminal

Other types applicable to Call Center operations and virtual terminals

A PRE-AUTH Transaction is - a pre-authorisation of a planned transaction received from your web domain or merchant interface, routed by Zipzap to the Card Issuer servers for validation, and will reserve the amount requested against the card holders credit card for you to complete (settle) some 7days (max) later date. Identified as a {A} type transaction in your virtual terminal

A COMPLETION Transaction is the final settlement of a previous Pre-Auth transaction. A completion triggers the withdrawl of previously reserved funds from the card holder's credit card and settled into your merchant account. Identified as a {C} type transaction in your virtual terminal

A REFUND Transaction is just that - a reverse of a Purchase transaction, where funds are withdrawn from your merchant account and settled back to a Card Holders Account. Identified as a {R} type transaction in your virtual terminal

A VOID Transaction is a cancellation of a previous Purchase, Refund, Completion or Pre-Auth transaction. Voiding a pervious transaction cancels the event. Voids must be undertaken on the same day and before 6pm in-order to be effected. Identified as a {V} type transaction in your virtual terminal