Overview

India is implementing a new regulatory framework rolled out by the Reserve Bank of India (RBI). The new rules have a direct impact on recurring transactions (subscriptions) and bill payments. 

In the past years, RBI worked on a system that enables multiple safety and security measures for online payments. Similar to the Strong Customer Authentication (SCA) in Europe, the new measures require consumers to give an Additional Factor of Authentication (AFA) for card-no-present (CNP) recurring transactions. 

Starting October 1st, 2021, the Reserve Bank of India (RBI) has enacted a new regulatory framework, the Directive of Processing e-mandates. The new RBI directive targets mainly e-mandates for recurring transactions, not one-time payments. The new framework mandates that the use of AFA will be mandatory for any transaction exceeding 15000 INR, which means that merchants selling subscriptions in India might see a rise in payment declines for recurring charges. 

Your subscriptions are safe with 2Checkout (now Verifone) 

The continuity of your subscriptions is safe with 2Checkout (now Verifone), but you might see a drop in renewal rates in India.  

We have reached out to our payment and bank partners from India, and they are working around the clock to make sure their systems are updated to meet the demands of RBI. 

Renewal Notifications for Manual Renewals 

Our system has built-in renewal notifications for Subscriptions and is used extensively as the main tool to notify users of upcoming or pending payments.  

You can set your custom notification schedule for sending out renewal notification emails within the boundaries of a 90-day limit around the renewal date. 

Since the new safety measures imposed by the RBI will require subscribers to manually authorize the payment, you can enable the Manual Renewal function for your customers. They will be able to authorize the payment every time they will be notified to do so.  

Use the Manual Renewal reminder documentation guide to edit email parameters. 

Create Subscription renewal links 

See how you can create subscription renewal links to enable your customers to renew their active and past-due subscriptions on-demand, bypassing the upcoming renewal operation scheduled in the 2Checkout system.  

Dunning Management for Hard Declines 

Use dunning management to reduce declined payments and recover lost revenue from failed authorizations. 2Checkout notifies customers via email about failed renewals, helping them update their payment information in myAccount. 

Dunning management for hard declines is available as part of the 2Recover add-on. To enable it on your account, contact 2Checkout. 

Request payments or Invoices  

Send payment/invoice requests by email to your customers for their subscriptions. The email sent to customers will have a link directing them to a checkout page where they can make a payment instantly. This is how you can set it up. 

For more information, you can contact us at supportplus@2checkout.com. 

Overview

Under the Payment Services Directive 2 (PSD2) initiative, in order to prevent ever-evolving fraud methods, Payment Service Providers (PSPs), such as 2Checkout, must apply extra security steps to implement Strong Customer Authentication (SCA) and further protect the confidentiality of consumers’ data. 

For more details about 3D Secure support in API, check the Payment Services Directive 2 (PSD2) article.  

You can also read the resources below to have a better understanding of what is PSD2 and what it entails: 

• What is the 2nd Payment Service Directive (PSD2)? 
• What is PSD2 and What Does Strong Customer Authentication (SCA) Mean for You? 
• The Impact of PSD2 and SCA: Ordering Flows and Exemptions 

Impact 

All merchants using the 2Checkout Public API versions 3.0, 3.1, and 4.0, on all protocols, are affected by this change.  

In order to avoid your orders being declined due to the lack of 3DS, we recommend you migrate to API version 6.  

How to migrate 

Migrating your placeOrder call to API 6.0 is as simple as updating the endpoint: 

• REST: https://api.2checkout.com/rest/ 
• SOAP: https://api.2checkout.com/soap/6.0/ 
• JSON-RPC: https://api.2checkout.com/rpc/6.0/ 

Once you’ve migrated to API 6.0, you need to provide two mandatory parameters in the paymentMethod object:  

• Vendor3DSReturnURL - the URL address to which customers are redirected after the 3DS details get validated by the bank and the order is successfully authorized. 
• Vendor3DSCancelURL - the URL address to which customers are redirected if the 3DS details were not validated or the order could not be authorized. 

Once the order has been submitted, you will find a new property in the API response - Authorize3DS. 

Based on the parameters provided in Authorize3DS, you need to build and redirect the shopper to a page where they will finalize the 3DS flow.

{ 
  "Type": "CC", 
  "Currency": "usd", 
  "PaymentMethod": { 
    "Authorize3DS": { 
      "Href": "http://api.sandbox63.avangate.local/6.0/scripts/credit_card/authorize", 
      "Method": "GET", 
      "Params": { 
        "avng8apitoken": "50dcb997be8b70bd" 
      } 

    }, 

    "Vendor3DSReturnURL": "http://shopping.cart.local/checkout/external/return/cc", 
    "Vendor3DSCancelURL": "http://shopping.cart.local/checkout/external/cancel/cc", 
    "FirstDigits": "4111", 
    "LastDigits": "1111", 
    "CardType": "Visa", 
    "RecurringEnabled": false 

  }, 
  "CustomerIP": "10.11.12.1" 

The shopper needs to be redirected to: http://api.sandbox63.avangate.local/6.0/scripts/credit_card/authorize?avng8apitoken=50dcb997be8b70bd 

Once the order is approved by the shopper, 2Checkout will update the order status and trigger the webhook notifications.  
You can read more information on the 3DS flow here. 

Overview

Use the getSubscriptionAdditionalInformation method to retrieve all the additional information fields belonging to a subscription.

Parameters

Response

Request

<?php

require('PATH_TO_AUTH');

$subscriptionReference = '351D8F557E';

$jsonRpcRequest = array (
'method' => 'getSubscriptionAdditionalInformation',
'params' => array($sessionID, $subscriptionReference),
'id' => $i++,
'jsonrpc' => '2.0');

var_dump (callRPC((Object)$jsonRpcRequest, $host, true));

Overview

Place an order with catalog products without requiring any payment information from your customers (free orders).

Requirements

The final order price has to be 0. Either use products with 0 price, or add a promotion for 100% of the total order price. It's mandatory to set RecurringEnabled to false.

Parameters

Response 

Request

<?php

require ('PATH_TO_AUTH');

$Order = new stdClass();
$Order->RefNo = NULL;
$Order->Currency = 'usd';
$Order->Country = 'US';
$Order->Language = 'en';
$Order->CustomerIP = '91.220.121.21';
$Order->ExternalReference = NULL;
$Order->Source = NULL;
$Order->AffiliateId = NULL;
$Order->CustomerReference = NULL;
$Order->Items = array();
$Order->Items[0] = new stdClass();
$Order->Items[0]->Code = 'my_subscription_1'; // product needs to have 0 price
$Order->Items[0]->Quantity = 1;

$Order->BillingDetails = new stdClass();
$Order->BillingDetails->FirstName = 'John';
$Order->BillingDetails->LastName = 'Doe';
$Order->BillingDetails->CountryCode = 'us';
$Order->BillingDetails->State = 'California';
$Order->BillingDetails->City = 'LA';
$Order->BillingDetails->Address1 = 'Address example';
$Order->BillingDetails->Address2 = NULL;
$Order->BillingDetails->Zip = '90210';
$Order->BillingDetails->Email = 'john.doe@2checkout.com';
$Order->BillingDetails->Phone = NULL;
$Order->BillingDetails->Company = NULL;

$Order->DeliveryDetails = NULL;

$Order->PaymentDetails = new stdClass ();
$Order->PaymentDetails->Type = 'FREE';
$Order->PaymentDetails->Currency = 'usd';
$Order->PaymentDetails->PaymentMethod = new stdClass ();
$Order->PaymentDetails->PaymentMethod->RecurringEnabled = false;

$jsonRpcRequest = array (
'method' => 'placeOrder',
'params' => array($sessionID, $Order),
'id' => $i++,
'jsonrpc' => '2.0'
);

$order = callRPC($jsonRpcRequest, $host);

var_dump($order);

Overview

Use the getSubscriptionAdditionalInformationField method to retrieve information related to an additional information field belonging to a subscription.

Parameters

Response

Request

<?php

require('PATH_TO_AUTH');

$subscriptionReference = '351D8F557E';
$fieldName = 'subscription';


$jsonRpcRequest = array (
'method' => 'getSubscriptionAdditionalInformationField',
'params' => array($sessionID, $subscriptionReference, $fieldName),
'id' => $i++,
'jsonrpc' => '2.0');

var_dump (callRPC((Object)$jsonRpcRequest, $host, true));

Overview

Use the deleteSubscriptionAdditionalInformationField method to delete the additional information field from a subscription.

Parameters

Response

Request

<?php

require('PATH_TO_AUTH');

$subscriptionReference = '351D8F557E';
$fieldName = 'subscription';
$fieldValue = 'test';

$jsonRpcRequest = array (
'method' => 'deleteSubscriptionAdditionalInformationField',
'params' => array($sessionID, $subscriptionReference, $fieldName),
'id' => $i++,
'jsonrpc' => '2.0');

var_dump (callRPC((Object)$jsonRpcRequest, $host, true));

Overview

Use the updateSubscriptionAdditionalInformationField method to update the additional information field from to a subscription.

Requirements 

The maximum field length is 100 characters.

Parameters

Response

Request

<?php

require('PATH_TO_AUTH');

$subscriptionReference = '351D8F557E';
$fieldName = 'subscription';
$fieldValue = 'test2';

$jsonRpcRequest = array (
'method' => 'updateSubscriptionAdditionalInformationField',
'params' => array($sessionID, $subscriptionReference, $fieldName, $fieldValue),
'id' => $i++,
'jsonrpc' => '2.0');

var_dump (callRPC((Object)$jsonRpcRequest, $host, true));

Overview

Include payment (credit/debit card) information that Avangate uses for recurring billing to renew imported subscriptions. Importing subscriptions with payment data is available only to eligible Avangate accounts. Contact Avangate directly for additional details.

Use the addSubscription method to import a subscription into the Avangate system.

Parameters

Response

Request

<?php
 
 
function callRPC($Request, $hostUrl, $Debug = true) {
    $curl = curl_init($hostUrl);
    curl_setopt($curl, CURLOPT_POST, 1);
    curl_setopt($curl, CURLOPT_SSL_VERIFYPEER, 0);
    curl_setopt($curl, CURLOPT_SSL_VERIFYHOST, 0);
    curl_setopt($curl, CURLOPT_SSLVERSION, 0);
    curl_setopt($curl, CURLOPT_RETURNTRANSFER, 1);
    curl_setopt($curl, CURLOPT_HTTPHEADER, array('Content-Type: application/json', 'Accept: application/json'));
    $RequestString = json_encode($Request);
    curl_setopt($curl, CURLOPT_POSTFIELDS, $RequestString);
 
 
    if ($Debug) {
        $RequestString;
    }
    $ResponseString = curl_exec($curl);
    if ($Debug) {
        $ResponseString;
    }
 
    if (!empty($ResponseString)) {
        $Response = json_decode($ResponseString);
        if (isset($Response->result)) {
            return $Response->result;
        }
        if (!is_null($Response->error)) {
            var_dump($Request->method, $Response->error);
        }
    } else {
        return null;
    }
}
 
$host = 'https://api.avangate.com/rpc/3.0/';
 
$merchantCode = "YOUR_MERCHANT_CODE";// your account's merchant code available in the 'System settings' area of the cPanel: https://secure.avangate.com/cpanel/account_settings.php
$key = "YOUR_SECRET_KEY";// your account's secret key available in the 'System settings' area of the cPanel: https://secure.avangate.com/cpanel/account_settings.php
 
$string = strlen($merchantCode) . $merchantCode . strlen(gmdate('Y-m-d H:i:s')) . gmdate('Y-m-d H:i:s');
$hash = hash_hmac('md5', $string, $key);
 
$i = 1; // counter for api calls
// call login
$jsonRpcRequest = new stdClass();
$jsonRpcRequest->jsonrpc = '2.0';
$jsonRpcRequest->method = 'login';
$jsonRpcRequest->params = array($merchantCode, gmdate('Y-m-d H:i:s'), $hash);
$jsonRpcRequest->id = $i++;
 
$sessionID = callRPC($jsonRpcRequest, $host);
 
var_dump($sessionID);
$Product = new stdClass ();
$Product->ProductCode = 'my_subscription_1';
$Product->ProductId = 4639321;
$Product->ProductName = 'Avangate Subscription Imported';
$Product->ProductVersion = 1.0;
$Product->ProductQuantity = 3;
$Product->PriceOptionCodes = array();
$EndUser = new stdClass ();
$EndUser->Address1 = 'Address line 1';
$EndUser->Address2 = 'Address line 2';
$EndUser->City = 'LA';
$EndUser->Company = 'Company Name';
$EndUser->CountryCode = "US";
$EndUser->Email = 'customerAPI@avangate.com';
$EndUser->FirstName = 'Customer';
$EndUser->Language = 'en';
$EndUser->LastName = 'Avangate';
$EndUser->Phone = '1234567890';
$EndUser->State = 'California';
$EndUser->Fax = NULL;
$EndUser->Zip = '90210';
$Subscription = new stdClass();
$Subscription->ExternalSubscriptionReference = '12345678912ImportedSubscription';
$Subscription->SubscriptionCode= NULL;
$Subscription->StartDate = '2013-01-01';
$Subscription->ExpirationDate = '2017-12-30';
$Subscription->Product = $Product;
$Subscription->EndUser = $EndUser;
$Subscription->ExternalCustomerReference = '12354678ExtCustRef';

$jsonRpcRequest = array (
'method' => 'addSubscription',
'params' => array($sessionID, $Subscription),
'id' => $i++,
'jsonrpc' => '2.0');

var_dump (callRPC((Object)$jsonRpcRequest, $host, true));

Overview

Use the getSubscriptionAdditionalInformation method to retrieve all the additional information fields belonging to a subscription.

Parameters

Response

Request

<?php

require('PATH_TO_AUTH');

$subscriptionReference = 'F27CFE06ED';

try {
    $subscriptionInfo = $client->getSubscriptionAdditionalInformation($sessionID, $subscriptionReference);
}
catch (SoapFault $e) {
    echo "subscriptionInfo: " . $e->getMessage();
    exit;
}
var_dump("subscriptionInfo", $subscriptionInfo);

Overview

Use the getSubscriptionAdditionalInformation method to retrieve all the additional information fields belonging to a subscription.

Parameters

Response

Request

<?php

require('PATH_TO_AUTH');

$subscriptionReference = 'F27CFE06ED';

try {
    $subscriptionInfo = $client->getSubscriptionAdditionalInformation($sessionID, $subscriptionReference);
}
catch (SoapFault $e) {
    echo "subscriptionInfo: " . $e->getMessage();
    exit;
}
var_dump("subscriptionInfo", $subscriptionInfo);