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Unified Checkout
 Acquirer Implementation Guide

This section describes how to use this guide and where to find further information.
Audience and Purpose
This guide is written for Visa Acceptance Platform acquirers and resellers who want to implement
Unified Checkout
 as part of their Visa Acceptance Platform solution.
This guide is supplemental to the
Platform Implementation Guide
 for Visa Acceptance Platform, which provides general acquirer implementation and administration and the Boarding Guide for API-based merchant and scale boarding requirements.
Customer Support
For support information about this product, other products, or the Visa Acceptance Platform, visit the Visa Acceptance Support Center: support.visaacceptance.com

Pilot Release

This document provides information about the pilot release of
Unified Checkout
 for acquirer implementation.

Recent Revisions to This Document

25.09.01

This revision contains only editorial changes and no technical updates.

25.06.01

Pilot release.

VISA Platform Connect: Specifications and Conditions for Resellers/Partners

The following are specifications and conditions that apply to a Reseller/Partner enabling its merchants through
Visa Acceptance platform
. Failure to meet any of the specifications and conditions below is subject to the liability provisions and indemnification obligations under Reseller/Partner’s contract with Visa/Cybersource.
  1. Before boarding merchants for payment processing on a VPC acquirer’s connection, Reseller/Partner and the VPC acquirer must have a contract or other legal agreement that permits Reseller/Partner to enable its merchants to process payments with the acquirer through the dedicated VPC connection and/or traditional connection with such VPC acquirer.
  2. Reseller/Partner is responsible for boarding and enabling its merchants in accordance with the terms of the contract or other legal agreement with the relevant VPC acquirer.
  3. Reseller/Partner acknowledges and agrees that all considerations and fees associated with chargebacks, interchange downgrades, settlement issues, funding delays, and other processing related activities are strictly between Reseller and the relevant VPC acquirer.
  4. Reseller/Partner acknowledges and agrees that the relevant VPC acquirer is responsible for payment processing issues, including but not limited to, transaction declines by network/issuer, decline rates, and interchange qualification, as may be agreed to or outlined in the contract or other legal agreement between Reseller/Partner and such VPC acquirer.
DISCLAIMER: NEITHER VISA NOR CYBERSOURCE WILL BE RESPONSIBLE OR LIABLE FOR ANY ERRORS OR OMISSIONS BY THE
Visa Platform Connect
 ACQUIRER IN PROCESSING TRANSACTIONS. NEITHER VISA NOR CYBERSOURCE WILL BE RESPONSIBLE OR LIABLE FOR RESELLER/PARTNER BOARDING MERCHANTS OR ENABLING MERCHANT PROCESSING IN VIOLATION OF THE TERMS AND CONDITIONS IMPOSED BY THE RELEVANT
Visa Platform Connect
 ACQUIRER.

Introduction

This guide outlines the steps you should follow to successfully deploy
Unified Checkout
 as part of your Visa Acceptance Platform solution.

Solution Overview

Unified Checkout
 provides a simple and secure checkout solution to protect clients from sensitive data exposure while providing easy access to several payment options: Apple Pay, Google Pay, Click to Pay, Paze, Echeck, and manual card entry.
Unified Checkout
 provides a single drop-in user interface application to save your merchants from design costs when building payment acceptance on their checkout page.
Unified Checkout
 is a browser-based solution that merchants integrate using JavaScript within their web page. The customer invokes
Unified Checkout
, which creates an iframe on the merchants page and presents the available payment options selected by the merchant. As a browser-based solution, the merchant never has access to the payment information, which significantly reduces their PCI exposure.
Unified Checkout
 is interoperable with other
Visa Acceptance Solutions
 products.
Unified Checkout is compatible with:
  • Authorizations
  • Payer Authentication
  • Decision Manager
  • Token Management Service

Implementation

This section outlines the steps and considerations for your acquirer-level implementation of
Unified Checkout
 as part of your Visa Acceptance Platform solution. The comprehensive
Platform Implementation Guide
 provides additional information about portfolio ownership and functional usage.

Board Merchants with
Unified Checkout

Unified Checkout
 is a product within the acceptance platform. Portfolio owners must enable it for merchants using the boarding API or through the merchant boarding interface in the Business Center.
Contact your account or relationship owner if
Unified Checkout
 is not available within your portfolio.

Implementation Models

Unified Checkout is designed to be flexible and supports multiple integration options for various deployment scenarios. The implementation models for
Unified Checkout
 include:
  • Integrated directly into merchant web pages
  • Integrated into a partners hosted checkout page

Integrated Directly into Merchant Web Pages

Unified Checkout
 is integrated directly by each merchant independently and simplifies acceptance on their unique web page.
Integration:
  • Merchant embeds
    Unified Checkout
     onto their e-commerce page
  • The merchant facilitates all the interactions with the
    Unified Checkout
     APIs
  • The merchant generates and leverages the API keys
Boarding:
  • You board merchants using their transacting organization IDs to
    Unified Checkout
  • Merchants must enroll in their desired digital payments through the Business Center. Or you enroll merchants in digital payments through the Business Center on behalf of merchants
  • Merchants generate API keys to access Unified Checkout APIs
  • Merchants integrate Unified Checkout into their web page

Integrated into a Partner's Hosted Checkout Page

You set up
Unified Checkout
 in a provider/reseller partner portfolio within a commonly developed application or hosted order page. This deployment serves multiple merchants using the same technology.
Integration:
  • Unified Checkout is embedded by the partner onto their e-commerce application
  • The Partner facilitates all the interactions with the
    Unified Checkout
     APIs
  • The partner leverages Meta Key to use a single key for all merchants
Boarding:
  • You board merchants using their transacting organization IDs to
    Unified Checkout
  • Merchants must enroll in their desired digital payments through the Business Center. Or you enroll merchants in digital payments through the Business Center on behalf of merchants
  • You generate meta API keys to access
    Unified Checkout
     APIs

Boarding API Integration

Enable
Unified Checkout
 for your merchants through the boarding API. Using this method, you send an API request to the
Visa Acceptance Solutions
 system to set up a merchant without logging into the Business Center.
The
Unified Checkout
 Integration section in the
Merchant Boarding Guide
 provides information about using the boarding API for
Unified Checkout
.

Boarding in the Business Center

Enable
Unified Checkout
 for your merchants through the Business Center. To add it while you are adding products for merchants, the system displays all available products to enable. Under the Payments section, find
Unified Checkout
 and select the enable toggle.
To add
Unified Checkout
 after creating the merchant account, go to
Manage Merchants
 and select the appropriate transacting organization ID.
The
Unified Checkout
 Integration section in the
Merchant Boarding Guide
 provides information about using the Business Center for boarding merchants for
Unified Checkout
.

Digital Payments

When you enable
Unified Checkout
 for merchants, the merchant receives automatic enablement for all digital payment offerings within it. To use digital payments with
Unified Checkout
, merchants enroll with each digital payment provider before integrating them in their checkout page.
Enablement
The partner allowing access to the Unified Checkout product for a specific merchant
Enrollment
The merchant or portfolio partner acting on behalf of the merchant enrolls in a digital payment option
If you offer the Paze digital payment option for your merchants, enable it explicitly for each merchant because Paze requires the merchant to sign an agreement with their acquiring partner.

Paze Configuration for
Unified Checkout

During merchant boarding in the
Business Center
, complete these steps to enable Paze.
  1. Click the
    Configure
     button for
    Unified Checkout
    .
  2. Check the box for
    Paze
    .
  3. Check the
    Paze Configuration
     box.
The option to select an acquirer appears only if you support multiple Paze acquiring options. Select the acquirer with which the merchant has a Paze contract.

Enrolling Digital Payments

Manage digital pay enrollments in the
Business Center
. The enrollment process differs for each digital payment depends on the digital payments requirements for enrollment.

Enroll in Apple Pay

Enrolling in Apple Pay registers the merchant with Apple and adds the merchant's page to Apple's list of domains applicable for Apple Pay. Apple Pay enrollment requires validation of the merchant's domain. In order to enroll in Apple Pay, a merchant must download a public certification file and host it on the domain where they have placed
Unified Checkout
 in a public folder.
Follow these steps in the
Business Center
 to enroll in Apple Pay.
  1. Log into the
    Business Center
    .
  2. Go to
    Payment Configuration
     >
    Unified Checkout
    .
  3. Click the
    Manage
     button.
  4. In the Apple Pay section, click the
    Manage
     button.
  5. Download the Apple Verification Certificate.
  6. Host the Apple Verification Certificate.
  7. Click Verify Domain to submit the request for verification.

RESULT

Figure:

Apple Pay Enrollment Page
Image of the UI after successful enrollment in Apple Pay.

Enroll in
Click to Pay

Merchants must enroll in
Click to Pay
 prior to it functioning in
Unified Checkout
. This activity registers the merchant with
Click to Pay
 services for Visa, Mastercard, and American Express.
Follow these steps to register the merchant with
Click to Pay
.
  1. Log into the
    Business Center
    .
  2. Go to
    Payment Configuration
     >
    Unified Checkout
    .
  3. Click the
    Manage
     button.
  4. In the
    Click to Pay
     section, click the
    Manage
     button.
  5. Provide the website URL and merchant business name.
  6. Click
    Update
    .

RESULT

Figure:

Click to Pay
 Enrollment Page
Screen capture of the Click to Pay enrollment page.

Enroll in Google Pay

Merchants must enroll in Google pay prior to it functioning in
Unified Checkout
.
Follow these steps to register the merchant with Google.
  1. Log into the
    Business Center
    .
  2. Go to
    Payment Configuration
     >
    Unified Checkout
    .
  3. Click the
    Manage
     button.
  4. In the Google Pay section, click the
    Manage
     button.
  5. Provide the merchant Business Name.
  6. Read the Terms of Use.
  7. Click
    Update
    .

RESULT

Figure:

Google Pay Enrollment Page
Screen capture of Google Pay.

Enroll in Paze

Merchants must enroll in Paze prior to it functioning in
Unified Checkout
. This activity registers the merchant with Paze services.
Follow these steps to register the merchant with Paze.
  1. Log into the
    Business Center
    .
  2. Go to
    Payment Configuration
     >
    Unified Checkout
    .
  3. Click the
    Manage
     button.
  4. In the Paze section, click the
    Manage
     button.
  5. Provide the merchant business name and website URL.
  6. Click
    Update
    .

Reference Information

This section contains essential reference information for implementing and operating the platform. It also provides links to additional technical documentation for further details.

How to Get Help

As an acquirer distributing Visa Acceptance products, you can reach out to Visa Acceptance Solutions Support Center.
  • Search for commonly asked questions, knowledge base articles, and supplemental documentation on the platform and products.
  • Enter inquiries or support requests directly into the Support Center.
  • View your account specific support resources.

Contacting Client Services

For details, see the Support Center knowledge article at:
How to contact Client Services?
See the Visa Acceptance Acquirer Portal or Development Center for other product-related documents.