The 3-D Secure authentication protocol is based on a three-domain model where the Acquirer Domain and the Issuer Domain are connected by the Interoperability Domain for the purpose of authenticating a Cardholder during an electronic commerce (e-commerce) transaction or to provide identity verification and account confirmation.
This protocol applies to those who shop online at merchants who have online stores and adhere to 3-D Secure.
Card payment is a widely used method for carrying out financial transactions conveniently and securely.
The card features that will be active will depend on the agreement that the Merchant has with their Acquirer.
SIBS offers card transaction acceptance services in an e-commerce environment, covering the international brands Visa, Mastercard, American Express and UnionPay (UPI).
The solution is fully compliant with the efficiency and security standards stipulated by these brands, using international security standards such as PCI-DSS and 3D Secure, guaranteeing the protection of transactions.
Solutions:
SIBS Gateway differentiates itself by integrating these features into a secure, high-performance ecosystem, fully compliant with PSD2 and the strictest industry standards. By automating collections and eliminating operational barriers, it enables global merchants to optimize revenue streams, improve the customer experience and increase loyalty.
Integrated checkout with MULTIBANCO Reference
MULTIBANCO Reference is generated in real-time, having a reference entity on behalf of the Merchant.
Immediate reference activation. The expiry time limit can be managed by the day, hour and minute, and validation is done by check-digit.
Refunds can be made without the need for a bank transfer.
SIBS Gateway enables you to accept e-commerce payments, having at your disposal several payment methods to make accepting online payments easy. This solution provides an online payment provider, gateway and Backoffice that integrates your website to a javascript solution with a secure form or through an Application Programming Interface (API).
It is an asynchronous payment that requests the generation of a MULTIBANCO Reference related to the payment registered by the previous Checkout. With the MULTIBANCO Reference returned in this operation, the customer can perform the payment.
The SIBS Gateway supports purchases, which are made using the MULTIBANCO Payment Reference method, in which the purchase triggers payment immediately.
This transaction allows a Cardholder to pay for a good or service via an electronic operation that debits his account and will credit the Acceptors banking account. Consists in an immediate debit in the Client account and it is an effective payment on the moment of the transaction.
At a back-office level, MULTIBANCO Payment Reference supports the following types of operations:
The purpose of this operation is to refund the amount of a previous payment, crediting the Cardholder account and debiting the Merchant account. A refund can be:
Requests the cancellation of the amount (full or partial) of a previous authorisation or MULTIBANCO Reference generated, but not paid.
It is possible to establish the relationship below among the Front office & Backoffice operations, having in mind that Backoffice operations will act on the Front office operations.
| Purchase | Authorisation | Capture | |
|---|---|---|---|
| Capture | 1 | ||
| Refund | 4 | 3 | |
| Cancellation | 2 |
MB WAY is a Wallet created and developed by SIBS, in the scope of the most existing technologies that meets the market demands. This payments solution offers to the Merchants and Service Suppliers the possibility of providing to their clients a remote payment platform in unattended channels, such as vending machines and parking meters, as well as in attended channels such as tv-commerce, e-commerce, m-commerce and others.
In order to meet the market demands, the MB WAY service introduced a more integrated payment experience for purchases performed in a Merchant mobile app. The in-app operative allows the Merchant app to invoke the MB WAY app to authenticate the transaction; afterwards, the Merchant app reappears, displaying the operation result (In-App Operative).
The Merchants interested in offering the MB WAY service to their clients must complete the onboarding process with an Acquirer. The implementation of the technical interfaces necessary for this payment method can be made directly with SIBS or through a technological integrator who supplies the solution already certified by SIBS.
All communications between the Merchant and SIBS are carried out using the HTTPS protocol and authenticated by a certificate.
SIBS supplies, to the Integrators and Merchants, the Client certificate to be used at the communications authentication, for both test and production environments.
The server certificate used by SIBS is issued by MULTICERT.
The Merchant/Integrator must acquire their server certificate, which has to be issued by a certification authority internationally recognised.
The Merchants that use an Integrator’s technical platform that already supplies MB WAY as a payment method do not need any additional Client certificate, as the Merchants’communications, can be aggregated in the Integrator’s certificate.
SIBS Gateway is a platform that provides various means of acceptance for payments made on the digital channels – MB WAY, MULTIBANCO References and Cards.
A synchronous payment method means that the final authorisation status is received in near real time in the API response and the payment is completed (Request – Answer).
An asynchronous method means that the final authorisation is done in two steps to complete the payment (Request – Pending, need action).
|
Payment methods |
Card |
MULTIBANCO |
MB WAY ID |
Authorised payments |
|---|---|---|---|---|
|
Synchronous |
 |
 |
|
|
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Asynchronous |
|
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This page provides a comprehensive guide on how to install, configure, and use SIBS Payments plugin for Shopify. The plugin seamlessly integrates with your Shopify store, allowing you to securely process payments using your customers’ preferred payment methods.
This type of integration offers several key benefits for businesses looking to streamline their payment processing and improve the overall customer experience:
Payment Methods
MB WAY
MULTIBANCO References
Cards
Embedded Payment Form: PCI DSS-compliant form, so you can focus only on selling.
Dynamic 3D Secure 2 authentication: Frictionless cardholder authentication with improved security for online transactions.
Before installing the plugin to accept payments, ensure that during the onboarding process, you have received the necessary credentials to your email:
Once you have these, you will be able to easily install the plugin on your platform.
Keep your credentials confidential to maintain security of your transactions.
After installing, and whenever you need to make changes in your shop’s payment options, access the plugin configuration.
SIBS plugin for Shopify supports a range of popular payment methods, including MB WAY, MULTIBANCO References and Cards (VISA, Mastercard, etc.).
These payment method offer secure and convenient ways for customers to make purchases online. With our plugin, you can easily configure payment settings to accept these payment methods.
Besides being able to activate or de-activate this payment method, in the SIBS Cards configuration you can select which card types you accept and will be displayed in the checkout page:
Transaction-Mode
Pre-Authorization: The customer authorizes the payment but is only charged after the merchant authorizes.
Debit: Usual card payment
This page provides a comprehensive guide on how to install, configure, and use SIBS Payments plugin for Magento. The plugin seamlessly integrates with your Magento store, allowing you to securely process payments using your customers’ preferred payment methods.
This type of integration offers several key benefits for businesses looking to streamline their payment processing and improve the overall customer experience:
Before installing the plugin to accept payments, ensure that during the onboarding process, you have received the necessary credentials to your email:
Once you have these, you will be able to easily install the plugin on your platform.
Keep your credentials confidential to maintain security of your transactions.
To complete the authentication, you will need to configure the WebHook secret at your SIBS Backoffice. But first you will need to get the WebHook URL which will be used to input at the SIBS Backoffice.
After installing, and whenever you need to access your shop authentication configurations or make changes in your shop’s payment options, access the plugin configuration.
1. Go to Stores > Configuration
2. Click on the SALES option that appears and then Payment Methods.
3. You can access the SIBS plugin configuration by clicking Configure in the next panel.
At this step you will input the information you got mentioned at Before you start and the Step 2: Getting WebHook secret from the Install Plugin guide.
(SIBS Environment will be set to LIVE)
SIBS plugin for Magento supports a range of popular payment methods, including MB WAY, MULTIBANCO References and Cards (VISA, Mastercard, etc.).
These payment method offer secure and convenient ways for customers to make purchases online. With our plugin, you can easily configure payment settings to accept these payment methods.
Besides being able to activate or de-activate this payment method, in the SIBS Cards configuration you can select which card types you accept and will be displayed in the checkout page.
Yes or No – Select if you want to offer this payment method.
The default status when a user places a new order.
Pre-authoriazation: The customer authorizes the payment but is only charged after the merchant authorizes.
Debit: Usual card payment
Control which countries have access to this payment method at your store.
The numerical order of that payment method. One (1) will make Cards be on the first place; Two (2) in the second and so on.
If you want to add extra information about this payment method.
