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Integration Feature Comparison

The Flex Microform integration is one of several methods to accept payments on your site. Smartpay Fuse offers additional methods that provide different features. Before you start your integration, make sure you choose the right method for your needs. If the capability you need is not supported with the REST API, consider using one of the alternate integration methods.
For more information about these integration options, refer to these quick start guides:
  • E-commerce Plugins: provides an easy integration for supported e-commerce platforms.
  • Virtual Terminal: no integration is required because servicing agents take payments using our back-office portal, Smartpay Fuse Portal.
  • REST API: full, back end integration using our REST API.
  • Hosted Payment Page: requires minimal integration because you initiate the payment page, which handles the entire payment flow.
Contact us if you have questions about Flex Microforms.
This table provides a comparison of the features that are available in the different integration methods.
Integration Methods
Features
Virtual Terminal
1
E-Commerce Plugins
Hosted Payment Page
Direct REST API
Hosted Fields
PCI overhead
SAQ C-VT
Mixed
2
SAQ A
SAQ D
SAQ A
3
Transaction Types
Authorization only
Yes
Yes (all)
Yes
Yes
Yes
7
Authorization and capture
Yes
Yes (all)
Yes
Yes
Yes
7
Tokenise card (COF)
Yes
Yes
Yes
4
Yes
Yes
7
CIT (initial/subsequent)
Yes
Yes
Yes
4
Yes
Yes
7
MIT (continuous authority)
No
Some
6
No
Yes
Yes
7
Refund (standalone)
Yes
8
Some
6
REST API & Smartpay Fuse Portal
1
Yes
Yes
7
Refund (existing transaction)
Yes
Yes (all)
REST API & Smartpay Fuse Portal
1
Yes
Yes
7
Reversal
Yes
Yes (all)
REST API & Smartpay Fuse Portal
1
Yes
Yes
7
Capture of standalone authorization
No
Yes (all)
REST API & Smartpay Fuse Portal
1
Yes
Yes
7
3-D Secure (v2)
N/A
Yes (all)
Yes
Yes
Yes
7
Account validation
N/A
Some
6
Yes
Yes
Yes
7
Basic fraud rules
5
Yes
Yes (all)
Yes
Yes
Yes
7
Low value exemptions
N/A
No
Yes
Yes
Yes
7
AVS/CSC Auto Reversal/Blocking
Yes
8
Yes
6, 8
Yes
8
Yes
8
Yes
7, 8
Digital Wallets
Apple Pay
N/A
Some
6
No
Yes
No
7
Google Pay
N/A
Some
6
No
Yes
No
7
Card Types
Visa
Yes
Yes
Yes
Yes
Yes
Mastercard
Yes
Yes
Yes
Yes
Yes
American Express
Yes
8
Yes
8
Yes
8
Yes
8
Yes
8
Channels
E-Commerce
No
Yes
Yes
Yes
Yes
7
Moto
Yes
Some
6
Yes
8
Yes
Yes
7
Notes:
1 - The Smartpay Fuse Portal is our back-office servicing portal.
2 - Different plugins use different integration methods. Please see te Hosted Payment Page, Hosted Fields (Flex Microform) and REST API guides for more details on the PCI implications of those integration approaches. If you are in any doubt about PCI, please get in contact.
3 - SAQ A when using Flex Microforms to tokenize from web applications.
4 - Secure Acceptance Hosted Checkout can create tokenise from initial CIT transactions that can be used for subsequent CIT transactions.
5 - Basic velocity rules via Decision Manager only available to SME clients; advanced fraud check and TRA on a case by case base.
6 - Only available on some of our plugins, please see individual plugin solution pages.
7 - Flex Microform simply allows card numbers to be tokenised in a PCI safe way; using the resulting transient token to process or manage the transaction is done with the direct integration REST API.
8 - These features are not enabled out of the box and need further configuration by support teams, please contact support.