What is Converge?

Converge is a new product offering for our EU customers. It is an in-house built solution that allows e-commerce and MOTO customers to accept card payments in their business.

The product offering comes with three integration methods:

  • Hosted Payments Page (HPP) – HPP is the simplest integration option and can be configured through the merchant’s back office. It is for e-commerce customers who don’t want to handle card details themselves as the HPP is hosted on our servers, which means cardholder information is collected securely and not stored on the customer’s server.
  • Lightbox – This works with our HPP. It uses JavaScript to display a pop-up window on the customer’s website instead of redirecting the cardholder to a browser payment form.
  • REST APIs – This is a list of APIs made available for direct integration. APIs use JSON to send and receive data. This option requires more development effort and would be aimed towards larger customers or partners capable of handling and securing cardholder information on their servers.

What is a hosted payments page?

A hosted payments page is a page hosted outside your website that can accept user payments. Because the page is hosted outside your website, you are able to qualify for lower Payment Card Industry compliance standards and avoid costly development and testing requirements.

What are the requirements for a hosted payments page?

To host a website that contains a hosted payments page, your server will need to meet a set of minimum security standards, including running on the HTTPS protocol and using TLS version 1.2 or greater.

Shoppers accessing the hosted payments page will need to use a supported browser. The hosted payments page is tested and confirmed to run on the recent version and one version prior of Chrome and Firefox.

The hosted payments page does not run on Internet Explorer or Microsoft Edge.

What is a plugin?

A plugin is a piece of software that extends the capability of a standard software application. Sometimes, they are also referred to as add-ons or extensions. These plugins may be built in-house or by partners. All plugins have been tested by Elavon prior to release.

Which of the main open-source e-commerce platforms are being built and what features are supported?

The following plugins have been developed for Converge with the functionality currently available.

Available functionalities:

Transaction Processing

  • Sale (with and without deferred capture)
  • Auth Only
  • Full Refund
  • Partial Refund
  • Void

Supported Card Types

  • MasterCard
  • Visa
  • AMEX
  • Diners
  • JCB

Why am I charged with a fee for resubmitting a declined Mastercard transaction?

To tackle issues concerning declined transactions, Mastercard introduced its Merchant Advice Code Transaction Processing Excellence Program. This program is aimed more specifically at stopping resubmissions of transactions on closed or fraudulent cardholder accounts.

The Mastercard program applies to card-not-present (CNP) transactions only. If a CNP transaction is submitted and then declined with a MAC code of 03 or 21, you will be alerted that the transaction should not be resubmitted. A value of 03 indicates that the cardholder account has been closed or is fraudulent. A value of 21 also indicates a closed cardholder account.

To reinforce this requirement, Mastercard will begin charging a fee for resubmitted code 03 and 21 transactions. This fee will be passed to your business beginning in April 2022. Any fees your business incurs will be reflected on your payment processing account beginning with your April 2022 billing statement.

What is the process for technical support?

The Converge Helpdesk is the dedicated technical team for Converge and Plugins:

Converge Helpdesk
Email: convergehelpdesk@elavon.com.
Support hours: 9am-5pm Monday – Friday GMT
Telephone # for customers: UK 0345 604 2329 / Ireland 1850 924177