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Credit Card Setup

In order to process credit card payments in your store using AdyenV3, besides performing the previous configurations already described in this article, you must open a ticket at VTEX support, with the following request: "Provider review - Add Endpoint SecureProxy - AdyenV3".

In the ticket you must also send the URL that will be authorized by Adyen to carry out the credit card transaction in your store. The URL format must be https://{live URL prefix}-checkout-live.adyenpayments.com, where the information "{live URL prefix}" must be the same as that entered by you in the Adyen settings in the VTEX Admin (see Live URL).

Important: The full URL address must be written in lowercase letters only, even if the "Live URL prefix" configured in the VTEX Admin has some capital letters. The Live URL prefix is not necessary in the testing environment.

Business Rules​

Payment Flow​

  1. The customer selects a credit or debit card as the payment method at checkout.
  2. The system performs a risk analysis to minimize fraud.
  3. If approved, the payment is authorized by the card issuer.
  4. The capture occurs according to the settings configured in VTEX Admin. See Manual capture.
  5. The transaction is settled, and the order is updated in VTEX.

Specific Rules​

  • Authorization: Performed after risk analysis, which can be automatic or manual.
  • Capture: See Manual capture. Can be immediate or occur within the period defined in VTEX Admin.
  • Refund: Allowed in partial or full amounts, depending on the acquirer's rules.
  • Cancellation: Can only be done before capture; after that, a refund is required.
  • 3DS (Secure Authentication): Some transactions may require authentication via 3D Secure for increased security. For debit cards, 3DS availability depends on the card network and issuer. See Adyen's 3D Secure documentation for more examples.

Tokenization​

Important: We have a specific version of the connector for tokenization. If you choose to work with tokenization, please contact our support team to ensure the correct version is installed in your VTEX environment.

With Adyen, you can securely store one or more payment details per shopper, with the shopper's consent. This allows you to offer subscription payments, automatic top-ups to shopper accounts, and give your shoppers a faster checkout experience by using their stored card.

We refer to these saved payment details as tokens and storing a shopper's payment details as tokenization.

The tokenization is applied in the following scenarios:

  • Credit Card Payments
  • 3DS Payments
  • Subscriptions
  • Change Orders

The tokenization process works as follows:

  1. When the first credit card order is placed and the save card option is selected, the connector will inform Adyen to tokenize the card.
  2. Adyen will then respond with a token that can be used for future transactions.
  3. This token is stored in VTEX, so for any later transactions from the same user and credit card, only the CCV and the token are sent to Adyen, and the card information is not transmitted again.