RCS

RCS is a retail credit provider offering a range of financial service products.

Requirements for the RCS payment method:

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Note:

A merchant agreement with RCS is required in order to use the RCS payment method. (Please contact Ecentric Product support for more details.)

Merchants can opt to send either customer authenticated or non-authenticated transactions.

Please note: that merchants will need to advise RCS of the intention to use non-authenticated transactions as this requires a different setup process.

1. Authenticated Transactions

The following diagram illustrates the payment flows for authenticated RCS transactions:

2. Non-authenticated Transactions

Where customer OTP authentication is not required, merchants will not call the Secure3DLookup and the payment flow is illustrated in the diagram below:

API messaging

AddCard

RCS cards can be saved for future use using the AddCard method.

When adding an RCS card:

• CVV is not required.
• Expiry date not required.

Example card:

XML

<Card>
<CardholderName>Joe Blogs</CardholderName>
<CardNumber>6010248200009035453</CardNumber>
</Card>

Secure3DLookup

Merchants will send the Secure3DLookup method to authenticate transactions:

• Expiry date is not required.
• CVV is not required

Example of Secure3DLookupRequest using a Full Card PAN

• CardholderName is required

XML

<Secure3DLookupRequest>
<MerchantID>8B67BF88-BB8D-4EB5-ADFC-0F5C97C7ED67</MerchantID>
<MerchantUserID>978e566b-d62a-42c0-9843-381b3588f333</MerchantUserID>
<TransactionID>0f750d6e-5336-4da1-9cd5-1896797f5f54</TransactionID>
<Amount>50</Amount>
<CurrencyCode>ZAR</CurrencyCode>
<OrderNumber>MR64503998</OrderNumber>
<Card>
<CardholderName>Joe Blogs</CardholderName>
<CardNumbr>6010248200009035453</CardNumber>
</Card>
<PaymentService>CardNotPresent</PaymentService>
<TermUrl>http://localhost:3000/term-url</TermUrl>
</Secure3DLookupRequest>

Example of Secure3DLookupRequest: using a Token

• CardholderName is not required

XML

<Secure3DLookupRequest>
<MerchantID>8B67BF88-BB8D-4EB5-ADFC-0F5C97C7ED67</MerchantID>
<MerchantUserID>978e566b-d62a-42c0-9843-381b3588f333</MerchantUserID>
<TransactionID>0f750d6e-5336-4da1-9cd5-1896797f5f54</TransactionID>
<Amount>50</Amount>
<CurrencyCode>ZAR</CurrencyCode>
<OrderNumber>MR64503998</OrderNumber>
<Card>
<Token>6CC36FEF-14C8-4F6F-A39C-1C077DAAAE3B</Token>
</Card>
<PaymentService>CardNotPresent</PaymentService>
<TermUrl>http://localhost:3000/term-url</TermUrl>
</Secure3DLookupRequest>

Example of RCS OTP capture page:

RCS OTP screen example

Authorize or Payment

RCS cards are processed using PaymentServiceType of CardNotPresent or CardNotPresentRecurring.

• CVV and expiry are not required

Use Case

Method	Instrument	Payment Service	CVV Required	Expiry Required	CardholderName
Secure3Dlookup	Full Card PAN	Optional	No	No	Yes
Secure3Dlookup	EPS Token	Optional	No	No	No
Authorize	Full Card PAN	CardNotPresent	No	No	Yes
Authorize	EPS Token	CardNotPresentRecurring	No	No	No
Capture	PreviousTransactionID	CardNotPresent CardNotPresentRecurring	No	No	No
Payment	Full Card PAN	CardNotPresent	No	No	Yes
Payment	EPS Token	CardNotPresentRecurring	No	No	No
Refund	PreviousTransactionID	CardNotPresent CardNotPresentRecurring	No	No	No
Void	PreviousTransactionID	CardNotPresent CardNotPresentRecurring	No	No	No

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Note:

RCS requires API merchants to display the supported RCS card images per BIN (first 6 or 8 digits of a card) as well as the specific logo of the card BIN entered when making an RCS card payment.

Please contact Ecentric Product Support for RCS logo pack.

Budget Facility

API merchants are required to ensure they cater for the below where the budget facility (BudgetPeriod in an Authorize or Payment request) is offered:

• Only the budget plans (24/36 month) are available for the listed BINS where the transaction is R600 or greater.
  • All other BINS will only support Straight payment.
  • 3/6/12 month budget offerings are not available for any BIN.
• Any RCS budget card transaction that does not comply with the below requirements will decline with an “05 - do not honor”

		Budget Plans
BIN Numbers	Length	Straight (no budget period)	24 months	36 months
		(Minimum purchase R0)	(Minimum purchase R600)
502219	16	x	x	x
56147500	19	x	x	x
601024	19	x	x	x
60901900	19	x	x	x
735328	16/19	x	x	x

Refund or Void

Refund and Void transactions for RCS are required to use PreviousTransactionID using the original payment or authorize transaction id as per normal refunds or voids.