Fast, convenient, secure – credit card payment is a common and popular online payment method around the world. Via Novalnet, credit card payments are processed under PCI security standards with or without security procedures such as 3D-Secure (Verified by Visa, Mastercard Identity Check, etc.). Novalnet supports international transactions via international schemes such as Visa, Mastercard, American Express, JCB, UnionPay and Diners Club.

Advantages

Global acceptance

Increase your sales and conversion rate by accepting all relevant credit cards in over 170 countries supporting 150 currencies.

All from a Single Source

We also handle registration and validation with the acquirer for you. Our credit card partners currently charge a low to no monthly fee.

3D Secure

Novalnet supports the security standard 3D-Secure. 3D-Secure is a technology used by credit card companies to make credit card payments on the Internet even more secure for you as a merchant as well as for customers. Visa calls this procedure “Verified by Visa”, Mastercard “Mastercard Identity Check” (formerly “Mastercard SecureCode”), JCB calls it “J / Secure” and American Express calls it “SafeKey”.

3D-Secure effectively protects you as a merchant from fraud and chargebacks.

No PCI DSS Certification Required

The sensitive credit card details are entered via the iFrame directly on the secure servers of Novalnet. As a shop operator, you do not need a security certificate which is time-consuming to apply for, as you do not come into contact with sensitive credit card data.

Functions

Payment Process by Credit Card

We offer merchants a PCI-DSS-certified credit card processing, so that card acceptance can be offered by both large online shopsand small-medium- merchants. Technically, the secure transmission of data is . solved via iFrame or JSON Object Technology. This means that the online buyer is not redirected during the ordering process, rather the data is entered directly on the dealer website.

Many Business Models Require Different Transaction Processes. Novalnet supports various options – from normal booking to credit note. This means that the transactions are flexible to support your business model.

  • Ticketing
  • Reservation
  • Collection
  • Partial collection
  • Recurring payment
  • Credit note
  • Cancellation

Protection Against Fraud and Chargebacks with 3D Secure

The 3D Secure process offers additional security for online credit card transactions.

A large number of online shops in Germany and abroad already uses 3D Secure. The two logos Verified by VISA and Mastercard Identity Check as well as the logos of the other credit card companies show that an online shop uses the 3D Secure process.

If an order is placed in an online shop with 3D-Secure, a window appears during the payment process in which the buyer must enter the 3D-Secure password.

Advantage of 3D-Secure for merchants

Online merchants are protected against chargebacks due to disputed credit card misuse or credit card use. The card-issuing bank must assume liability in this case. However, this does not apply to chargebacks that arise due to undelivered or faulty goods.Risk Management

Novalnet offers you extensive fraud modules, which can be flexibly tailored to your needs. With these modules, you have the possibility to minimize your risk of payment defaults.Novalnet will now inform you Credit Card expiration

Which merchant does not know this: The end customer has n ongoing subscription or an active payment reference via the credit card payment method. The current payments are regularly debited from his credit card. But now it comes as it should: The credit card expires, but the customer has failed to update the credit card details. leading to an unwanted payment default.Protect against such Payment Defaults

Novalnet has recognized this problem and developed a new information service, the “Validity reminder for expiring payment data”. Before a credit card expires, Novalnet informs its merchants of this conveniently and securely. This gives merchants the opportunity to inform their customers about the upcoming process in a timely manner and to request for updates, eliminating payment defaults. This service is available in German and English. This avoids payment defaults and unnecessary expenditure of time.

PCI-DSS Certification

Security is the top priority when paying on the Internet. In addition to customer satisfaction, your security is, of course, a top priority at Novalnet – security means more to us than just a secure data centre. Therefore Novalnet has undergone and successfully completed the registration process according to the regulations of the PCI DSS * organization (Payment Card Industry Data Security Standard).

A Brief Overview of the Security Requirements of PCI-DSS Regulations:

  • Installation, setup and regular updates of the firewall to protect data
  • No use of the system passwords or other security parameters specified by suppliers/manufacturers
  • Protection of stored data: No unnecessary storage of transaction and credit card data such as complete data, card number, CVV2, etc.
  • Cardholder data is only transmitted in encrypted from over the public network.
  • Use and regular updating of anti-virus programs
  • Development and use of secure systems and applications
  • Restriction of data access
  • Assignment of unique identifiers for all persons with access to a computer system
  • Restriction of sensitive cardholder data through restrictive access rights
  • Constant monitoring and tracking of access to cardholder data and network resources
  • Ongoing monitoring of security systems and processes
  • Company policies on information security

This credit card industry standard was created to ensure that payment transactions can be securely processed in compliance with all regulations. Novalnet always successfully passes the regularly recurring checks by an external service provider. This is also confirmed in writing that we meet the strict criteria of the PCI-DSS organization at all times.
Your advantage as a merchant? Quite simple – under certain conditions, as a reseller, you can save yourself from PCI certification, as we, as your service provider, already have it. How does it work? Ask us…

* PCI-DSS
(Definition from Wikipedia): The Payment Card Industry Data Security Standard, usually abbreviated to PCI, is a set of rules in payment transactions that relates to the processing of credit card transactions and is supported by all major credit card organizations.
Retail companies and service providers who save, transmit or process credit card transactions must comply with the regulations. Failure to comply may lead to fines. restrictions or, ultimately, they can be prohibited from accepting credit cards.

Registration Process

In your shop, you use either the so-called “JSON Object Technology” or an iframe in which the end customer directly enters his payment data. Both technologies ensure that you or your system can neither save nor edit the data. The data is transmitted to Novalnet using a PCI-compliant process (with 256-bit encryption), which means that you do not need your own PCI certification. Novalnet checks the data according to the selected settings (e.g. plausibility of the bank details/plausibility of the credit card number) and stores it. In the case of credit cards, if the processor supports this option, a test authorization is carried out immediately, which is then cancelled immediately. This allows to the check the validity of the CVC and also verify whether the card can in principle is loadable. Using the full credit card number, multiple registrations can also be checked and avoided.

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