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Release Date: May 5, 2021

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Announcements

This release includes the following announcements:

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Visa Best Practices for Response Codes Usage

Effective April 17, 2021, Visa is re-allocating its response codes to four different categories. The end-purpose of this change is to maximize the efficiency of the retry process by defining clear response codes and behaviors. For more information, see Visa’s best practices guide. The following categories, each defining the retry policy, were defined:
  • Category 1: Issuer will never approve transaction (reattempt not allowed)
  • Category 2: Issuer cannot approve the transaction at this time (reattempt allowed)
  • Category 3: Data Quality concern (re-validate data prior to reattempt)
  • Category 4: Generic response code (reattempt allowed) In addition, when re-attempt is allowed, there is a limitation of 15 attempts over 30 days. Merchants must revise their current retry policy to ensure that the 15 retries within 30 days limitation is avoided. A fine of 10c/transaction is expected.
As a first step, Vindicia has updated the retry logic of the following Visa error codes from Hard Fail (Retry Not Allowed) to Soft Fail (Retry Allowed) for all corresponding payment processor codes, this is expected to improve authorization and capture rates:
  • 03: Invalid Merchant
  • 62: Restricted Card
  • 78: No Account
  • 93: Transaction Cannot Be Completed
For more details, see Worldpay Network Bulletin. In future releases, Vindicia will update the system behavior to enforce these changes by doing the following:
  • Ensuring the response codes are mapped to soft or hard failures in accordance with these new definitions.
  • Reviewing merchant configurations and fixing situations where hard failures codes were mapped to soft failures
(VIN-10454)

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MaxMind Fraud Evaluation Solution Decommissioned

Starting May 2, Vindicia will no longer provide fraud detection through MaxMind. An alternative white label solution throughFME CyberSource is forthcoming soon. The new fraud detection solution will provide similar rules as currently available through MaxMind as well as offer enhanced functionality using velocity tracking rules and thresholds. Vindicia Customer Success team will directly work with Impacted merchants. An additional, extended premium offer is also available through CyberSource Decision Manager with contractual requirements in place.

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Reports 1.0 Upcoming Deprecation Announcement

In July 2021, Vindicia plans to deprecate Reports 1.0 solution for both Subscribe Merchant Portal versions. From that point the majority of the reports will be available exclusively from Reports 2.0. Reports 1.0 will then be deprecated.

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Payment Features

This release includes the following new payment features and support:

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Gift Card Integration via Topps Digital services

Gift cards are prepaid cards that serve as popular payment method for the unbanked population to purchase digital services. In this release, gift card payment support has been added to Subscribe as part of the REST API for Topps Digital services cards. This same flow can also serve other gift card providers in the future. Subscribe Merchant Portal support for redeeming a gift card will be available in the next release. The integration serves to redeem a Topps gift card in Subscribe. The redeemed gift card is transferred to a currency credit on the customer account and can then serve as payment balance for existing or new subscriptions. The integration only enables full redemption of the gift card and the card itself is not re-loadable. As a rare occurrence, a redemption call can be reversed as long as the full balance is available and the amount will then be returned to the card. In the Subscribe REST API, Gift Card and Gift Card Redemption endpoints have been added. A single gift card redemption call will initiate the flow of redemption as well as update the Gift card and Account objects. The Gift Card pin number serves as a secured unique Identifying number and is therefore stored as a hashed component in the system. (VIN-7824)

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NMI Payment Processor Integration

Starting this release, Vindicia is integrated with NMI Payment Provider. NMI is a payment processor operating in USA and Europe. The integration supports the following main areas:
  • Recurring & One time transactions
  • Card on File - CIT/MIT Indicators
  • Chargeback Feed
Detailed Support List
  • One-time transactions and recurring transactions via NMI Direct Post API
  • Ability to perform PaymentMethod.Update and Account.updatePaymentMethod with validation
  • Refunds for one-time and recurring transactions.
  • Supports partial and multiple refunds against a single transaction.
  • Supports payment method type: credit cards and debit cards
  • Supports payment method type: tokenized credit card
  • Supports validation transaction
  • Supports transaction void
  • Supports partial auth / partial capture
  • Supports the ability to query for individual transaction and query vault data.
  • Supports automatic chargeback data feed via webhook
(VIN-7787)

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3DS Processor Support

Vindicia is extending 3DS support for the following processors:
  • Worldpay Processor (VIN-2785)
  • CyberSource Processor (VIN-1175)

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REST API Support for 3DS

The following enhancements were added to REST services:
  • PMT Enhancement - For 3DS implementations where the authentication provider is Cardinal Commerce, we have added functionality to PMT (Payment Method Tokenization) to securely send the full PAN to Cardinal Commerce to facilitate Device Data Collection.This will enable current users of PMT to remain at the same PCI compliance level. The response from Cardinal Device Data Collection (DFRefrenceId) is available for use in subsequent calls.
  • Added enable_3ds parameter for the following endpoints:
    • /transactions
    • /subscriptions
    • /payment_methods
    • /accounts (enable_3ds query param only allowed when updating a payment method where “update_behavior” is not “update”)
  • Transaction endpoint now supports SCA calls. REST API was enhanced to include a sca_token query parameter for Finish Transaction call for transactions in AuthorizationPending status.​
  • ExtendedVerification object has been added to the CreditCard object in the REST API.
(VIN-1482)

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Card on File Support

Starting this version, Vindicia is extending CIT/MIT parameters support for the following processors:
  • SmartPay Processor Card-On-File Support (VIN-5636)
  • Worldpay Processor Card-On-File Support (VIN-607)
  • New Merchant Option: Since the transition to the CIT/MIT framework has not been finalized by all our Merchants Billing Systems, Vindicia supports a new merchant option (CITMIT_OPTION). In this release, support is limited to Orbital, SmartPay and Worldpay payment providers, to indicate whether the merchant moved to the CIT/MIT framework. (VIN-9928)

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Subscribe Features

This release includes the following new Subscribe-related features:

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Vertex O Series 9.0 Support

Subscribe can be used without modification with Vertex O Series Version 9.0 targets through proper configuration. (VIN-5626) The following report enhancements appear in Subscribe Merchant Portal 1.0 for use with Reports 2.0:
  • Invoice Based Revenue Recognition Report was enhanced to include a Time Zone field for data range selection and display.
  • Current Liability Report was enhanced to include an Up to Date field allowing selection of the relevant period for current liability and a Time Zone field for data range selection and display.
(VIN-9366)

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Accounts External ID Parameter Enhanced - REST API and Portal 2.0 Support

External ID has been enabled as a key on Accounts and can now be used to fetch an Account using external_id in the REST API. Additionally, in Subscribe Merchant Portal 2.0, External ID has been added as a filtering option for Accounts. (VIN-9200)

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Subscribe Merchant Portal 2.0 Help Content Update

Subscribe Merchant Portal 2.0 user guide and online help files will be available with this release from Vindicia’s new Knowledge Center. (PORT-1839, DOCS-37)

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Retain Features

This release includes the following new Retain-related features:

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Edgil Integration Enhanced

From this version, subscriptionId (product serial from autobill ) is sent as part of the transaction data in the <accountNotes_1> element. (VIN 9587)

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Bug Fixes

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Known Issues

This release contains the following known issues:.
  • Subscribe Merchant Portal 2.0: A login problem exists after the user’s Portal session times out. As a workaround, wait 2 minutes, refresh your browser and try again or log in from a different browser.
  • Reports 2.0 Scheduling support has not been enabled however the button appears in the Subscribe Merchant Portal 1.0 UI.