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Opayo
Build a core integration with Elavon
eBoarding Partner API
Automate your customer on-boarding process
EMV 3D Secure 2.1
Improve security and reduce your liability for fraud
Payment Method Gateway
Integrate with PMG for a wide range of payment methods.
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Opayo Direct Overview
Taking a Payment
1. The customer orders from your site
2. Your server registers the payment with Opayo
3. Opayo replies to your registration POST
4. Opayo submits 3D Secure Authentication
5. You redirect your customer to their Issuing Bank
6. 3D-Authentication and your site called back
7. Your site POSTs the 3D Secure results to Opayo
8. Opayo servers request card authorisation
9. Opayo replies to your POST
10. Opayo sends Settlement Batch Files
Integrating with PayPal
Apple Pay
Integrating with Apple Pay (Opayo managed certificate)
Integrating Apple Pay (merchant managed certificate)
Tokenisation
3D Secure Transactions
Compliance
PCI Compliance
PSD2 Compliance
MCC 6012
Zero Value Authorisation (ZVA)
Additional Transaction Types
DEFERRED Transactions
REPEAT Transactions
AUTHENTICATE and AUTHORISE Transactions
REFUND and VOID Transactions
SCA Exemptions
Soft Declines
Credential on File
Testing
Test and Live URLs
API Reference
Transaction registration POST
ThreeDSRequestorAuthenticationInfoXML
ThreeDSRequestorPriorAuthenticationInfoXML
AcctInfoXML
MerchantRiskIndicatorXML
Basket
BasketXML
TRIPS
CustomerXML
Transaction Registration POST Response
Response to Transaction Registration POST (Status=3DAUTH)
3D-Authentication Results POST from your Terminal URL
Response to Transaction Registration POST (Status=PPREDIRECT)
Callback after PayPal Authentication
Complete a PayPal Transaction
Protocol 3.00 > 4.00 Migration Guide
Protocol 2.23 > 4.00 Migration Guide
Direct Demo
Change Log
Apple Pay
Opayo Managed Certificate
A simple integration ideal for web applications, Opayo will manage your certificate requirements - you will not require an Apple Developer account.
Merchant managed Certificate
Requires an Apple Developer account. This integration allows you to obtain your certificate from Apple and upload it to MyOpayo. This integration should be used if you require a native app experience.
