[](/) [Logout](/user/logout) DeveloperPortal # Release Notes ##### Last updated:July 8, 2026 Welcome to our latest release notes! Brace yourself for an exciting journey through our newest features and enhancements. Each update is designed to empower you, streamline your operations, and boost your sales. Dive in to discover how our latest improvements can propel your business to new heights. Let's get started! **Product** ▼ **Filter by Products** * * * eCommerce **Functional Areas** ▼ **Filter by Functional Areas** * * * 3D Secure Agentic COPYandPAY ConnectIn Documentation Fraud Management Import Tool Industry Standards MAC Control MAC Scheduler Merchant Onboarding API Open Payment Platform Order-to-Cash Payment Management Payment Methods Payment Providers Reporting Security Shop Plugins Single Sign On Subscriptions Token Import Tokenization User Interface User Management Webhooks July 7, 2026 eCommerce COPYandPAY We have extended the **COPYandPAY API** with a new **onDetectBin** callback function, enabling merchants to retrieve **BIN data** for the card currently in use within the payment widget. The callback works together with **brandDetection: true** and **brandDetectionType: "binlist"**, providing BIN information in a clear format for merchant reference and processing. This enhancement gives merchants direct access to BIN data as soon as card details are detected. June 30, 2026 eCommerce Payment Providers We have enhanced the **N-Genius integration** with support for **Google Pay** and **Samsung Pay** wallets. This enhancement enables merchants using N-Genius to offer additional digital wallet payment options to their customers through the platform. Please refer to the integration guide for implementation details and pilot participation information. eCommerce Shop Plugins The **Shopify ACI App (v1.3.6)** has been updated to improve **session handling**, **configuration visibility**, and **payment flow reliability**. **What’s new** - Enhanced **handling of session conflicts** between multiple stores using the same app. - Added **App name and store display** in the **admin payment configuration** for improved clarity. June 18, 2026 eCommerce Payment Providers We have enhanced our **Raiffeisen Bank International (RBI)** integration with support for **Network Tokenization** and **Click to Pay**. This enhancement enables improved payment security and supports a more seamless, tokenized checkout experience. June 17, 2026 eCommerce MAC Scheduler **MAC Scheduler** now includes enhanced **simulator support**, enabling controlled testing of end-to-end recovery flows driven by **Merchant Advice Codes**. Merchants can simulate multiple **“retry later” declines**, dynamic plan adjustments, and **final recovery**, allowing clear visibility into how retries are scheduled and completed. This helps validate and better understand how **MAC Scheduler** adapts retry strategies in practice. Further details are available in the **[MAC Scheduler documentation](/integrations/mac-control/mac-scheduler)**. eCommerce MAC Scheduler **MAC Scheduler** now enriches the **original transaction** with the complete **retry history**, providing a unified view of the recovery lifecycle. Each retry and its outcome are appended, along with the dynamically updated **nextAttemptAt**, enabling clear tracking of recovery progress and upcoming retries. Once recovery completes or the retry plan ends, this forward-looking indicator is removed, leaving a finalized transaction history. This information is available in **responses**, **queries**, and **webhooks**, supporting monitoring in **MIT** and **subscription scenarios**. eCommerce MAC Scheduler **MAC Scheduler** now updates the **scheduling transaction** with a complete **retry history**, providing an evolving view of the recovery lifecycle. Each retry is appended under **processingDetails.macScheduler**, including the **result**, **MAC code** (if applicable), and **timestamp**, enabling clear tracking of all attempts and the latest outcome. This information is available in **responses**, **queries**, and **webhooks**, supporting monitoring and troubleshooting. It is particularly valuable for **MIT (merchant-initiated transactions)** and **subscription scenarios**, helping determine when recovery is complete and fulfillment can proceed. eCommerce MAC Scheduler **MAC Scheduler** now supports **dynamic recovery plans** that automatically adjust based on updated **issuer guidance**. When a retry returns a different **"retry later" MAC code**, the scheduler reschedules the next attempt with updated timing, allowing the plan to evolve within the recovery window. This ensures retries stay aligned with the latest issuer recommendation, improving recovery outcomes while maintaining compliance. The retry plan ends automatically when the payment succeeds, issuer guidance stops retries, or the maximum number of attempts is reached, supporting controlled recovery for **MIT (merchant-initiated transactions)** and **subscription scenarios**. eCommerce MAC Scheduler We are introducing **MAC Scheduler**, a new capability that helps automatically recover declined transactions based on **Merchant Advice Codes (MAC)**. Instead of retrying declined payments blindly, MAC Scheduler creates a recovery plan and schedules follow-up attempts based on **issuer guidance**, helping improve recovery outcomes while reducing unnecessary retries. To support full visibility from the start, each retry includes lineage to the **original declined transaction**, the **scheduling transaction**, and the **next planned attempt**, exposed via **processingDetails.macScheduler** (**originalTxId**, **scheduledTxId**, **nextAttemptAt**). This context is available in **responses**, **APIs**, and **webhooks**, enabling merchants to track retry progression across the recovery lifecycle. This is especially valuable for **MIT (merchant-initiated transactions)** and **subscription scenarios**. **Data fields:** - **processingDetails.macScheduler.originalTxId** — declined transaction - **processingDetails.macScheduler.scheduledTxId** — retry plan transaction - **processingDetails.macScheduler.nextAttemptAt** — next retry timestamp **Fully backward-compatible** with existing retry mechanisms. eCommerce Payment Providers We have added support for **Merchant URL** for Evry, which can now be configured under **Merchant Account / Acceptor Data**. This enhancement enables merchants to define and manage their merchant URL directly within the configuration, supporting improved integration and operational flexibility. June 4, 2026 eCommerce Payment Providers **JAYWAN** is now supported in the **Payments Orchestration Platform**, extending **regional payment coverage** for merchants operating in the **UAE**. By enabling **JAYWAN** across key connectors—including **VPC**, **Fiserv PG**, **N-Genius**, and **MPGS**—merchants can accept this **locally relevant scheme** while leveraging authentication via **Acquirer MPI**. This enhancement supports a more **seamless** and **regionally optimized checkout experience** for customers in the **UAE market**. May 29, 2026 eCommerce Payment Providers **GeoLocation support** has been added for **Postbridge Postilion** and **Postbridge RCS**. This enhancement introduces support for additional **AN6022 fields** (**127.49.15** and **127.49.16**), enabling the transmission of **GeoLocation data** within transaction messages. This improvement allows for enhanced data availability to downstream systems and supports use cases requiring **location-based transaction context**. Make sure **respective acquirer support** is available before utilizing this feature. May 27, 2026 eCommerce Shop Plugins We are pleased to announce the availability of **Shopify Embedded Credit Card** and **Shopify Embedded APM Apps**, enabling merchants to manage and accept payments directly within the **Shopify checkout** interface. The **Shopify Embedded Credit Card App** enables secure card payment acceptance within embedded Shopify checkout, with support for **major card schemes**, **simplified onboarding and configuration**, and **real-time transaction visibility**. The app is available here: [Shopify Embedded Credit Card App](https://apps.shopify.com/aci-worldwide-credit-cards). The **Shopify Embedded APM App** extends support for **alternative payment methods**, including **multiple APM support** depending on region and configuration, **centralized payment method management**, and **easy onboarding of new payment types**. The app is available here: [Shopify Embedded APM App](https://apps.shopify.com/apms-by-aci-worldwide). These apps are now available with **General Availability** for **global use**, subject to connector and APM availability. May 26, 2026 eCommerce Shop Plugins We are excited to announce the release of **WooCommerce ACI Plugin v1.2.6**, now available on [GitHub](https://github.com/ACI-plugin/aci-woo-commerce/releases/tag/v1.2.6). Shoppers can now enter **Order Notes** during checkout, and these notes are displayed on the **Payment Confirmation** page and are also available in the **Order Details** view within the back office. May 23, 2026 eCommerce Payment Providers We have updated the **MPGS integration** to support **Dynamic Currency Conversion (DCC)**, enabling merchants to offer cardholders the option to pay in their billing currency during checkout. This enhancement allows merchants to provide a more transparent payment experience and streamline cross-border transactions through the MPGS connector. Merchants interested in enabling this feature should **contact their acquirer** for DCC onboarding via MPGS and refer to the **MPGS configuration sheet** for the required setup. May 19, 2026 eCommerce Tokenization Payment Providers To strengthen domestic card coverage in Brazil, our integration with **Rede** acquirer now includes the following capabilities: - **OAuth 2.0** authentication - **Network Token** transactions - **Merchant Advice Codes** - **Mastercard Transaction Link Identifier (TLID)** mandate This release expands and improves our **card transaction coverage** across the **Brazilian market**. May 18, 2026 eCommerce Payment Providers **PayTo (Australia) – Account-to-Account payment method is now available.** Integration with the **PayTo acquirer** enables **account-to-account payments** in Australia, allowing businesses to initiate payments directly from a customer’s bank account, following customer authorization via their banking app or online banking. The integration supports the default **PayID flow** using **mobile number** or **email**, with the option to switch to **BSB + account number** if required. May 12, 2026 eCommerce Tokenization Payment Providers We have updated the **EMSCARD Omnipay integration** to support **Network Token (NT)**\-based payment authorization, enabling eCommerce merchants to authorize transactions using network token data in line with the latest scheme requirements. This enhancement provides **lower interchange costs**, **higher approval rates**, and **enhanced security**, as issuers pre-approve token provisioning. This update helps merchants remain compliant while improving performance and enhancing the overall customer experience. May 8, 2026 eCommerce Payment Providers **We are pleased to announce that Pay by Bank is now available in the US region.** **Pay by Bank** supports **Debit** and **Refund** use cases, enabling direct account-based transactions. Additionally, the **PSP Payout** functionality is now available, allowing PSPs to **bulk credit funds to merchants**, who can subsequently **disburse payments to their customers**. April 28, 2026 eCommerce Payment Providers For **France**, the **mandate AI15683 (Merchant Identification Number)** requires that the **SIRET (Système d’identification du répertoire des établissements)** is submitted as the **Merchant Identification Number**. For our integration with**CB2A** acquirer, the **SIRET** identifier can now be configured and maintained directly at the **Merchant Account level**, as an alternative to the `merchant.data[SIRET]` parameter. The Configuration Sheet for CB2A was updated. April 27, 2026 eCommerce Tokenization Payment Providers We have enhanced our **Vantiv** integration to support **authorization using network tokens**. This update enables you to authorize payments with network token transaction data for supported card networks, helping align with evolving industry standards and improve future payment readiness. April 20, 2026 eCommerce Tokenization When a payment is authorized with **PAN** or a **Network Token (NT)**, all follow-on operations now use the **same credential type** as the original authorization to help issuers reliably match the transaction across its lifecycle. **What’s new** - **Captures, Refunds, Reversals** are processed using the original account type (PAN or NT). This prevents credential-mismatch rejections (for example, **Re-enter Transaction**) and improves reliability for end-to-end payment processing. April 16, 2026 eCommerce Tokenization COPYandPAY We have improved the shopper redirect behavior for **COPYandPAY** when using **Network Tokens (NT)**, ensuring a consistent and predictable checkout experience across card-based payment types. **What’s new** - After completing **3D Secure authentication**, shoppers are now redirected to the merchant’s `shopperResultUrl` in the **main browser window**, even when COPYandPAY is embedded in an **iframe**. - Network Token payments now follow the same redirect behavior as existing **credit and debit card (CC/DC)** flows. This change removes inconsistencies between **sandbox and production** environments and allows merchants to **adopt Network Tokens without modifying the existing checkout logic or redirect handling**. April 15, 2026 eCommerce Tokenization Webhooks We have enhanced **webhook payloads** for **Network Token (NT)** back-office operations to improve visibility into card data across post-authorization flows. **What’s new** - For **Network Token captures, refunds, and reversals**, webhooks now include the **card object** with **real PAN details**. - You can access **BIN**, **last4**, and related card information, aligned with how card data is already exposed for **Network Token authorizations**. - When the underlying card is refreshed, **newCardData** is included in the webhook to reflect the updated card information. This enhancement ensures **operational systems stay in sync** across the full **card lifecycle**, supporting consistent handling of Network Token transactions in back-office processes. April 13, 2026 eCommerce Payment Providers We’re pleased to announce support for **Paze** across both **web** and **mobile SDK integrations**, enabled through **COPYandPAY**.Paze is a **bank-supported digital wallet** that allows shoppers to check out online without manually entering card details, offering a **faster** and **more secure payment experience** backed by major **U.S. financial institutions**. **What’s new** - **Web support** for Paze via **COPYandPAY payment forms**. - **Mobile SDK support** (iOS and Android) using **Copy & Pay components**. - A **consistent payment flow** and **result handling** across web and mobile channels. Merchants can offer Paze as an additional **digital wallet option** while leveraging existing COPYandPAY workflows. Eligibility depends on the issuing bank, with cards typically **pre-enrolled by participating US financial institutions** rather than added manually by shoppers. eCommerce Shop Plugins The **Shopify Plugin** has been enhanced to **support embedded card data processing**, strengthening security and alignment with Shopify’s native checkout experience. **What’s new** - The plugin now supports **Shopify-encrypted card tokens**, ensuring that **card data is collected and encrypted within Shopify’s frontend environment** and passed securely to the **Open Payment Platform** for **controlled decryption** and downstream **transaction processing**. eCommerce Agentic **Agentic Commerce** represents a fundamental shift in how payments are made, enabling **AI agents** to act on behalf of users by completing purchases, managing transactions, and interfacing directly with payment systems. With this first release, we introduce an **MCP Protocol interface** and an initial set of **MCP tools**, giving our customers a direct path to building agents and processing payments through the **Open Payment Platform**. April 10, 2026 eCommerce Payment Providers We have enhanced our **Postbridge Postilion** integration to provide greater transparency in **multi-acquirer routing setups**. **What’s new** - The **acquirer connection** used for a transaction is now exposed in the response fields. - Merchants can identify the acquirer used for a Postbridge Postilion transaction via the **SinkNode** field. The **SinkNode** information is available in **Connector Details** and **Webhooks**, enabling clearer visibility into routing decisions without impacting existing transaction flows. April 8, 2026 eCommerce Payment Providers We have updated our **Omnipay integrations** to support the **Visa-mandated Merchant Identification Number**, enabling compliant processing of **domestic Visa transactions** via **Visa network requirements**. **What’s new** - **Merchant Identification Number** can be sent in **authorization and clearing messages** for domestic Visa transactions. - domestic processing for merchant identification flows are aligned with **Visa network requirements**. **Visa will begin assessing non-compliance fees after 30 April 2026** for transactions that do not include the required merchant identification information. **Call to action for merchants** - For **Belgium** and **Luxembourg**, submit `merchant.taxId` with domestic Visa transactions. - For **France**, submit `merchant.data[SIRET]` with domestic Visa transactions. - If these fields are not sent per transaction, ensure the **Tax ID is populated in the Omnipay merchant profile**. Omnipay supports a **fallback mechanism** to retrieve this data from the merchant profile maintained by the PSP or during onboarding. April 7, 2026 eCommerce Payment Providers We have enhanced our **Postbridge Postilion**, **Postbridge RCS**, and **Postbridge Elavon** integrations to support **Mastercard mandate AN6022**. This update introduces new data elements that align with evolving industry standards, helping to standardize key transaction data and prepare systems for future payment innovations. The Integration Sheet was updated with all the details. April 2, 2026 eCommerce Fraud Management The Open Payment Platform has been enhanced to support **Kount 360**, the latest generation of Kount’s **fraud and risk management solution**, enabling merchants to adopt advanced fraud capabilities without disrupting existing payment flows. **What’s new** - **Faster onboarding** and **lower integration effort** for merchants. - **Consistent fraud handling** across payment methods and regions. - **Centralized configuration and security** through the orchestration layer. Merchants can leverage Kount 360 directly within the platform, unlocking powerful fraud protection without the overhead of managing an additional standalone system. eCommerce Tokenization **Smart Retry** extends support to network token flows, improving recovery options for declined payments while preserving existing retry behavior. **What’s new** - **Smart Retry** can retry declined transactions using a **network token** on a configured **fallback merchant account** when network tokens are supported. - If the fallback merchant account does not support **network tokens**, the platform retries the payment using the **card details (PAN)** instead. Existing Smart Retry behavior remains unchanged, ensuring retries continue seamlessly even when a fallback to PAN is required. April 1, 2026 eCommerce Tokenization Merchants can now more easily find and review **network token transactions** as part of their daily **operational workflows**. This update improves **visibility** and **efficiency** when working with **tokenized payments**. **What’s new** - **Network token transactions** can now be searched using the **first 6 digits** or **last 4 digits** of the token. - The transaction view shows clearer details for **network token payments**, including the **token BIN**, the **issuing bank** (based on the original card BIN), and the **cardholder name** when available. **Existing merchant workflows** remain unchanged, while **search** and **transaction visibility** for **network token payments** are significantly improved. March 30, 2026 eCommerce Payment Providers **Account Funding Transactions (AFTs)** support is now fully available through our integration with **Trust Payments**, enabling merchants to process account funding and person-to-person transfer scenarios in line with **Visa network requirements**. Account Funding Transactions are designed for use cases where customers add funds to their account or transfer money to another individual. Visa applies strict identification and flagging rules to these transactions, and the Trust Payments integration now natively supports these mandatory requirements. This enhancement ensures that **AFT flows are processed correctly and compliantly**, helping merchants meet network standards while maintaining seamless payment and funding experiences. eCommerce Payment Providers **Satispay** is now supported in the **Payments Orchestration Platform**, extending **local payment coverage** for merchants operating in **Italy**. By adding **Satispay** to the checkout, merchants can offer an additional **locally preferred wallet**, enabling customers to pay **online** or **on mobile** using their **bank-linked accounts** and supporting a **smoother, more relevant checkout experience** in the **Italian market**. March 27, 2026 eCommerce Payment Providers We have enhanced our **ABSA Direct** integration to support the **Transaction Link Identifier (TLID)** in line with **Mastercard network mandates AN 8701, AN 7102, GLB 8701, and GLB 11418**. The **TLID value** is exposed as part of **TXID3 field**, enabling improved transaction traceability and compliance with Mastercard requirements. For implementation details and field mappings, please refer to the integration documentation. March 25, 2026 eCommerce Payment Providers To support successful, compliant **Credentials on File (COF)**, **Network Tokens (NT)**, and **Incremental Authorization** transactions, we have updated our **Omnipay acquirers** integration to include two additional fields in **Funding/Payment** transactions: - **recipient.middleName** - **sender.middleName** Both fields are **optional**. eCommerce Payment Providers We’re pleased to announce that **Nedbank eCommerce** payments now support **Google Pay** and **Samsung Pay**, in addition to the already supported **Apple Pay**. This enhancement, enabled through our **Nedbank via Postilion** integration, offers your customers more **flexibility** and **secure checkout options**. eCommerce Payment Providers We have enhanced our integration with **Mastercard Payment Gateway Services (MPGS)** to comply with **MasterCard mandate AN6022 and GLB12111**. This update introduces new data elements that align with evolving industry standards, helping to standardize key transaction data and prepare systems for future payment innovations. The Integration Sheet was updated with all the details. March 23, 2026 eCommerce Payment Providers Effective April 2026, Visa and Mastercard require refund transactions to be authorized. In line with this mandate, **Online Refunds are now enabled for Worldpay (APACS)**. **Call to Action** - **Ensure the setting for online refund processing is enabled:** in Open Payment Platform check the setting in the configuration field _Administration > Processing Settings > Send refunds as online messages_. If this setting is not enabled, acquirers may pass non-compliance fees on to merchants. March 12, 2026 eCommerce Payment Providers We’re excited to announce our new integration with **REDUNIQ (Portugal)**. **REDUNIQ — UNICRE’s commercial payments brand** — enables acceptance for in-store and e-commerce channels, supporting **card payments** and **local Portuguese methods** such as **MB WAY**. This helps merchants expand local coverage and improve payment acceptance in the Portuguese market. March 7, 2026 eCommerce Tokenization Payment Providers Our Postbridge Postilion, Postbridge RCS, and Postbridge Elavon integration now supports **Network Token (NT)–based payment authorization**. This enhancement enables eCommerce merchants to authorize transactions using network token data, aligning with the latest scheme requirements. - Lower interchange costs - Higher approval rates - Enhanced security, as issuers pre-approve token provisioning This update helps merchants remain compliant while boosting performance and improving the overall customer experience. March 6, 2026 eCommerce Order-to-Cash We are proud to release our **Order to Cash Management** solution, targeting to automate back-office workflows to track, manage, and account money end-to-end. **Benefits:** - Optimizes the financial health of an organization by detecting/fixing revenue leakages - Mitigates payment incidents - Ensures audit readiness March 4, 2026 eCommerce Tokenization Merchant Onboarding API To strengthen API authentication and enable more flexible integrations, this release introduces **API token management via the merchant onboarding API at merchant level**. - Merchants can generate and manage multiple API tokens with full lifecycle control — **activation, suspension, updates, deletion**. - **No impact on transaction processing** when adding new tokens or rotating existing ones. - Use **separate tokens** for different merchant systems, applications, or business units under the same merchant. - This API-based capability **complements the existing UI portal** for API token management, enabling flexibility across automated and manual workflows. **Why it matters:** Better security control, seamless token switching, and more flexible integrations at merchant level. March 3, 2026 eCommerce Payment Providers **KakaoPay** is now available in the **Open Payment Platform**, enabling support for one of South Korea’s leading digital wallets. Integrated with **KakaoTalk**, KakaoPay lets shoppers complete web or mobile payments using **linked bank accounts or cards**, helping merchants **expand local coverage** and **improve payment acceptance in the Korean market**. March 2, 2026 eCommerce Payment Providers We have enhanced our integration with **Postbridge Postilion**, **Postbridge RCS** and **Postbridge Elavon** to comply with **MasterCard mandate AN6022**. This update introduces new data elements that align with evolving industry standards, helping to standardize key transaction data and prepare systems for future payment innovations. The Integration Sheet was updated with all the details. eCommerce Shop Plugins We are excited to announce the release of **WooCommerce ACI Plugin v1.2.5**, now available on [GitHub](https://github.com/ACI-plugin/aci-woo-commerce/releases/tag/v1.2.5). You can now define **custom OPP parameters** as additional key–value pairs — either entered manually or selected from mapped WooCommerce fields — which are automatically appended to the **initialization** call for all payment methods. Custom OPP parameters are sent only in the initialization call (not in capture, refund, or void). For each pair, provide the **OPP Parameter Key** and the **OPP Parameter Value**. Basic non‑empty validation applies; otherwise inputs are not constrained to allow flexibility. February 27, 2026 eCommerce Payment Providers **iDEAL is transitioning into Wero** under the European Payments Initiative (EPI). EPI acquired iDEAL and Payconiq in 2023 and is migrating Dutch iDEAL to the pan-European Wero wallet via a phased program; the first visible step is **co-branding iDEAL | Wero in 2026**. To align with this change, we are reflecting the new **iDEAL | Wero** branding across our technical solution and in the documentation; this is a visual logo update only and does not affect payment flows or functionality. February 25, 2026 eCommerce Tokenization User Interface **Network Tokens** improve authorization performance. **Debit transactions** often **don’t receive interchange benefits**, so the cost upside can be limited. This release lets you **keep tokens on for credit** and **turn them off for debit** when cost is the primary KPI. **What’s new** - **Automatic credit/debit detection** via **BIN-based payment method adjustment**. - New setting to **disable Network Tokens for debit cards only** in the Open Payment Platform. **How to enable** - _Administration > Processing > Processing Settings_ and **Activate payment method adjustment for cards**. - _Administration > Processing > Network Tokenization_ and **Disable network tokens for debit cards**. **Your benefit** - **Keep performance gains** for credit cards while **avoiding potential debit cost headwinds** when interchange benefits don’t apply. - **Opt-in and backward compatible:** existing behavior remains unchanged until you enable it. February 24, 2026 eCommerce Payment Methods Fraud Management Because fraud management is mission-critical to payments, we’ve enabled additional data fields in our **Merchant Fraud Management** to support more versatile risk rules and strengthen fraud prevention and tracking. **Our new ruleable fields:** - **Payment Type** — classifies the transaction (e.g., purchase, refund, reversal) to target rules by flow. - **Clearing Institute** — identifies the clearing/settlement entity used for the transaction. - **3D Secure Exemption Flag** — indicates whether an SCA/3‑D Secure exemption was applied. - **Acquirer Response Information** — provides acquirer result codes/text for authorization outcomes. - **Scheme Transaction ID** — card-scheme/network identifier for end‑to‑end transaction tracing. - **Merchant- Advice Code (MAC)** — network guidance code for follow-up attempts or handling. - **Merchant Reference** — merchant-supplied order/reference to align fraud decisions with business records. - **Merchant Category** — merchant’s line of business to tailor risk by merchant type. - **Transaction Category Code** — categorizes the transaction context (e.g., recurring) for rule scoping. **Why it matters:** This allows to configure more targeted risk rules. For detailed information check the ACI Fraud Management Direct integration documentation. February 23, 2026 eCommerce Payment Methods **Pay by Bank** is our instant, account-to-account payment method that moves funds directly between bank accounts in real time without cards. It is designed for rapid initiation, immediate posting, and instant settlement. **What’s new:** - **Refunds are enabled for EU/UK:** Now you can refund Pay by Bank transactions in the EU/UK region. - **Instant movement and settlement:** Funds are moved and settled instantly **via the Virtual/Settlement Account model**. **Why it matters:** - Refunds can now follow the same real-time flow, **aligning reversals with Pay by Bank’s instant settlement model**. February 18, 2026 eCommerce Tokenization We now return the **Payment Account Reference (PAR)** for **network-token** payments **when we act as the Token Service Provider (TSP)**. **PAR** is an EMVCo-defined, network-issued identifier that remains stable across card reissues and token lifecycles, enabling reliable recognition of returning shoppers without exposing PANs. **What’s improved:** - **PAR in API outputs:** par is now included in the **payment response, payment query, and payment webhook** payloads. - **Coverage:** Applies to **network tokens** issued by our TSP, including **one-off payments, Registration, and Omni merchant tokens**. - **Scope clarification: TSP-only**. If you use your **own TSP** and the platform only processes the payment, **PAR is not returned**. **Why it matters:** PAR provides a **stable, network-level shopper identifier** that persists as payment credentials change. This supports **loyalty programs, repeat‑customer experiences, and customer analytics** — while minimizing exposure to sensitive card data. eCommerce Token Import We have upgraded the **Card Token Import Tool** to deliver a more seamless and resilient experience for our partners handling large-scale token migrations. **What’s improved:** - **Support for larger files:** You can now import significantly larger encrypted token files without interruption. - **Smarter processing:** The tool now processes data in optimized batches, ensuring consistent performance and reliability. - **Resilient imports:** In the event of a system update or interruption, the import process can safely resume from where it left off. **Why it matters:** - These enhancements are designed to support your growing data needs, reduce operational friction, and provide peace of mind during critical token migration activities. February 16, 2026 eCommerce Payment Methods We now surface **Merchant Advice Codes (MACs)** from issuers/PSPs in Mastercard Payment Gateway Services (MPGS) decline responses. MACs provide explicit guidance on whether/when to retry a payment, improving decisioning and helping avoid unnecessary retries. **Benefits** - **Clearer handling:** Concrete guidance for declined payments - **Better outcomes:** Smarter resubmissions can lift success rates - **Smoother operations:** Fewer looped attempts, improved agent flows If you already consume decline metadata, you can use the MAC to drive retry and queue logic. January 29, 2026 eCommerce Reporting Open Payment Platform We added a **Plugin Type filter** to the User Interface in Open Payment Platform: **Transaction Search**. Use it to narrow results by the processing plugin, making it quicker to isolate traffic for specific integrations. It behaves like other filters. **Where:** _BIP > Transaction Search > Filters > Plugin Type_. eCommerce Reporting User Interface We have enhanced our **Order-to-Cash Management solution** to further automate back-office workflows and improve visibility end-to-end. The release **helps identify and reduce revenue leakage, mitigate payment incidents, and support audit readiness** with embedded controls, comprehensive audit trails, and standardized reconciliation processes. eCommerce Payment Providers We have extended our coverage for the **Raiffeisen Bank International (RBI)** Integration with support for **PROSTIR, Ukraine’s national card payment system** developed by the National Bank of Ukraine (NBU). This enables merchants processing via the RBI connection to accept **PROSTIR-branded cards issued in Ukraine**, expanding local acceptance options for Ukrainian customers. eCommerce Payment Providers We have added support for **BitPay’s inline crypto payment** option, allowing shoppers to complete the BitPay checkout directly on the page without redirection — resulting in a faster, smoother, and more convenient payment flow. January 27, 2026 eCommerce Payment Providers We have updated our integration with **PostBridge** by **expanding the return code mapping** to provide more granular details based on acquirer responses. Please refer to the updated PostBridge integration documentation for full details. January 21, 2026 eCommerce Payment Management **Smart Retry** now supports configurable decline-code selection, with a **curated default list and a clearer UI label** — without impacting UI responsiveness. **Key highlights** - **Curated default list:** A predefined set of commonly retriable decline codes is now available for quick selection. - **Manual flexibility:** Merchants can add or remove decline codes to support advanced use cases. - **Clearer label:** Updated to _Select codes to retry failed transactions_ for improved clarity. January 19, 2026 eCommerce Tokenization We have updated **omni-token management to support network-token provisioning for existing omni-tokens, even if no transaction has taken place yet** (as long as the underlying card is still valid). This helps keep omni-tokens usable across eCommerce and in-store channels and **reduces disruption risk when cards expire**. **Endpoint:** `/v1/omnitokens/{id}/provisionNetworkToken` January 14, 2026 eCommerce Tokenization Open Payment Platform now **auto-refreshes network tokens** in **Token Vault** whenever a token returns to **ACTIVE** after being **SUSPENDED** (e.g., following expiration or a token reissue/change). Updated **DPAN network tokens** are made available immediately for **Merchant-Initiated Transactions (MITs)** so subsequent **payments can continue seamlessly and without manual updates**. eCommerce Tokenization Cryptogram handling is now fully optimized for **Omni Token** customers using network tokens with our next-generation **Token Vault**. For **Customer-Initiated Transactions (CIT)**, we always send the **DPAN** plus a cryptogram. For **Merchant-Initiated Transactions (MIT)**, we use the **DPAN only** when it’s available to avoid unnecessary cryptogram requests. If the **DPAN is missing**, we automatically retrieve **both the DPAN and a cryptogram** to ensure compliance and seamless processing. This enhancement applies only to Omni Token customers. Customers using registration and network tokens are already optimized and remain unchanged. eCommerce Payment Providers We’ve upgraded our integration with the **Concardis** acquirer to align with scheme-level capabilities for flagging authorization requests as Pre-Authorization or Final Authorization. **When to use which:** - **Pre-Authorization** - use when the final capture amount isn’t known yet. The authorized amount can be adjusted (increased or decreased) before settlement. - **Final Authorization** — use when the amount is confirmed and will be captured in full. Once flagged as final, the authorized amount is fixed and cannot be changed. **How to set the authorization type:** - In the **Merchant Account settings**, choose your **Authorization Type**; or - Include `customParameters[authorization_type]` in the payment request. This **overrides** the account-level setting. If no specific setting is provided, authorizations **default to Pre-Authorization**. eCommerce Payment Providers We’ve updated our **Visa Platform Connect (VPC)** integration and introduced a **Merchant Account setting**, _Enable AFT Feature_, to control **Account Funding Transactions (AFT)**. This toggle can be set to **True** or **False (default: False)**. When _Enable AFT Feature_ is **True**, the integration includes the relevant AFT fields. The Integration sheet has been updated to show the corresponding field mappings for cases where this setting is enabled. eCommerce Payment Providers We have enhanced several parts of our **MPGS (Mastercard Payment Gateway Services)** integration to improve how you run **AFT (Account Funding Transactions)** alongside standard processing. **What's New** - **Stay current with MPGS v100** – Our integration now supports **additional AFT-related fields** aligned with **MPGS v100** enhancements, helping ensure compatibility and clean hand-offs to the gateway. - **Identify partner traffic from Open Payment Platform** – In _Processing settings_, we added an optional configuration, _Set MPGS Partner Solution ID_, which populates the `PartnerSolutionID` sent to MPGS so the gateway can correctly identify the partner through which traffic is routed. **This value can be set or changed by Support upon request**. - **Control AFT at the merchant account level** – We introduced a **Merchant Account setting**, _Enable AFT Feature_, to control AFT (**True/False, default: False**). When _Enable AFT Feature_ is **True**, the integration includes the relevant AFT fields. The Integration sheet has been updated with the corresponding field mappings for cases where this setting is enabled. eCommerce MAC Control We’ve enhanced **MAC Control** to give merchants greater flexibility in how retry decisions are applied for selected MAC codes (e.g., **MAC02, MAC21, MAC24–MAC30**). Merchants can choose between two matching modes to align with their business flows, including scenarios where order IDs may change between attempts: - **Strict match (default)**: blocks retries only when **account, amount, currency, and merchant transaction ID all match**. - **Moderate match**: blocks retries when **account, amount, and currency match**, even if the merchant transaction ID changes. This helps merchants adapt retry logic when order IDs change between attempts without weakening protection. **Existing configurations remain unchanged; Strict match remains the default unless you request Moderate match.** **Availability:** this capability is part of MAC Control and **can be enabled upon commercial agreement**. eCommerce MAC Control We continue to update **MAC Control** to make retry handling more transparent and easier to troubleshoot. **What’s new:** when a retry is blocked due to issuer guidance (e.g., “retry after 72 hours” or “do not retry”), the payment artifacts now include the **original transaction ID** that triggered the rule — so **you can see why the retry was blocked and which transaction caused it**. **Where you’ll see it:** the original reference is surfaced in the **payment response, payment query, and webhook payload** under _processingDetails.macControl.originalTxId_. **Why it matters:** end-to-end traceability lets you quickly connect a blocked retry to the originating attempt, accelerate debugging, and provide clearer explanations in merchant support cases. **Timing clarity:** we’ve also added an optional _retryAfterMinutes_ field. When a MAC includes a delay (e.g., “retry after 10 days”), this field shows exactly how much time remains before a retry may be accepted — reducing premature attempts and confusion. **Data fields at a glance:** - `processingDetails.macControl.originalTxId` — the transaction ID that triggered the MAC Control rule. - `retryAfterMinutes` (optional) — remaining minutes until a retry may be accepted when issuer guidance includes a delay. **Compatibility and rollout:** fully backward-compatible and **works seamlessly with network tokens, omni tokens, smart retries, SCA, and account updater**. **Try it and learn more**: test the behavior in the [MAC Control Playground](/mac-control) and see implementation details in the [MAC Guide](/mac). eCommerce MAC Control We continue to optimize **MAC Control** for speed and efficiency. **Retry-decision data** is now retained **only as long as necessary** to support matching of declined transactions during retry handling. - **Automatic expiry:** MAC-related data is removed once its validity period ends. - **Accurate matching, optimal performance:** Keeps retry-decision logic accurate while minimizing storage and lookup overhead. - **No action required:** This process runs automatically — no configuration changes for merchants. **Availability:** this capability is part of MAC Control and **can be enabled upon commercial agreement**. eCommerce MAC Control We continue to expand **MAC Control** for clearer monitoring and reporting. Now, **MAC Control returns dedicated decline codes** when retry attempts are blocked based on MAC — so you can quickly see why a retry was prevented and what to do next. - **Result codes grouped by recommendation:** - `Retry after delay (700.600.xxx)` – indicates when you can safely retry (e.g., **MAC02** - 72 hours, **MAC24** - 1 hour). - `Do not retry (700.601.xxx)` – indicates retries should not be attempted (e.g., **MAC03** - account closed or fraud suspected). - **Status code: 76 (Rejected MAC)** with detailed reason codes for clarity. - **No MAC match:** if no MAC match is found, **MAC Control logs the evaluation but does not create a transaction.** **Availability:** this capability is part of MAC Control and **can be enabled upon commercial agreement**. November 3, 2025 eCommerce Payment Providers We’re excited to announce the release of our integration with **HUMM Ireland**, a new payment solution designed to enhance the online checkout experience. HUMM enables customers to split the cost of their purchases into manageable payments, offering a convenient and flexible alternative to traditional payment methods. **Key Features** - **Flexible Payment Plans**: Customers can spread the cost of their purchase over time with easy-to-manage installments. - **Seamless Checkout Integration**: HUMM is embedded directly into the payment flow, ensuring a smooth and user-friendly experience. - **Secure and Transparent**: Customers benefit from clear terms and a secure process, giving them confidence at checkout. October 16, 2025 eCommerce MAC Control We’ve improved **MAC Control** to ensure more accurate handling of declined transactions. The system now leverages additional transaction attributes **to determine whether a retry should be blocked or allowed based on Merchant Advice Codes (MAC)**. **Key Highlights** - **More precise matching** for retry decisions using attributes such as: - Account details - Merchant transaction ID - Amount and currency - MAC code - Expiry date - Merchant ID - **Supports compliance with issuer and scheme rules** by preventing retries where not recommended. - **Enhanced visibility for merchants** through improved logging and actionable insights. **Availability** This capability is part of the **MAC Control product** and requires a **commercial agreement**. October 13, 2025 eCommerce Fraud Management We’ve enhanced our **Merchant Fraud Integration** to include **additional iovation fields** in the Risk Scan response when available from Fraud Scans. These fields provide deeper insights into device and browser characteristics, improving fraud detection and risk assessment. **New iovation Fields** - IOVBRWSRTYPE – Browser Name - IOVBRWSRVRSN – Browser Version - IOVDEVICEFIRSTSEEN – Date/time device was first seen by iovation - IOVFLSHINSTALLED – Whether Flash is installed - IOVDEVICENEW – Whether the device is new to iovation - IOVDEVICETZ – Device TimeZone - IOVIPADDRCITY – City associated with the Real IP address - IOVIPADDRREGION – State/region of the Real IP address - IOVREALIPSRC – Source of the Real IP address October 10, 2025 eCommerce MAC Control We have introduced **Merchant Advice Code (MAC) support** as part of **our new MAC Control product**. MAC codes indicate whether a declined authorization should be retried or not. With MAC Control, retry attempts for transactions declined with specific MAC codes will be automatically blocked, helping you avoid unnecessary fees and improve compliance with issuer and scheme rules. **Key Highlights** - **Automatic blocking of retries** for declined authorizations where retrying is not recommended (e.g., MAC01, MAC03, MAC21, MAC22, MAC02, MAC24–30). Blocking applies when retry conditions match original transaction details and MAC expiry is valid. - **Detailed logs** are available for troubleshooting and audit purposes. **Learn More** - **[MAC Guide](/mac)** – Understand MAC codes and their meaning. - **[MAC Control Playground](/mac-control)** – Explore how MAC Control works in practice. **Availability** This capability is part of the **MAC Control product** and requires a **commercial agreement**. October 6, 2025 eCommerce Tokenization COPYandPAY We are excited to announce the latest update to our **COPYandPAY widget**, now supporting the **new version of omni tokens**, including **network tokenization support**. **Key Improvements** - **Network Tokenization Support**: The new omni tokens version now includes network tokenization, delivering higher authorization rates and better incentives through compliance with network rules. - **Merchant Onboarding Requirement**: Omni merchants must first onboard with card networks before network tokens can be used in payments, ensuring a seamless and secure transaction process. - **Enhanced Payment Visibility**: All payments made with omni tokens are now visible in the Payment Orchestration Platform, providing improved tracking and management of transactions. - **Improved Authorization Process**: Network token transaction data is leveraged to authorize payments, increasing efficiency and success rates. This update empowers our omnichannel customers to fully benefit from network tokenization, resulting in more efficient and successful transactions. eCommerce Tokenization In alignment with Visa and Mastercard’s goal to process every digital payment transaction with a network token, we are excited to announce **support for synchronous provisioning of network tokens.** **Main Features** - **Immediate Network Token Provisioning:** network token provisioning is now available synchronously, enabling immediate use in payments without waiting. **Synchronous versus Asynchronous Provisioning:** token requestors can choose for **all transaction types**, including CIT (Customer Initiated Transactions), MIT (Merchant Initiated Transactions), and one-time payments, between: - **Synchronous** (about 2–3 seconds): recommended when the shopper is present to avoid impacting the user experience with a short delay. - **Asynchronous** (up to several minutes): ideal for immediate use in payments, especially for subsequent transactions. **How to Configure** Enable this feature in the Open Payment Platform, following the path _Administration > Processing > Network Tokenization > Provision network token (async/sync)_. Default setting: Async. eCommerce Import Tool The **Import Tool User Interface** now supports **authentication with username and password for external SFTP gateways**, providing greater flexibility for customers importing card data or tokens from providers that do not support SSH key-based authentication. **How to configure:** access the following path _Administration > Tokens Import > SFTP Configuration > Authentication Type_ in your Open Payment Platform. To maintain security standards, passwords must be GPG-encrypted using ACI Worldwide’s Credentials GPG Public Key before upload. **Key Highlights:** - New option to manually input SFTP username and upload an encrypted password. - SSH key-based authentication remains the default and recommended method. - Feature is gated via a configuration toggle for controlled rollout. eCommerce Payment Providers We have enhanced our integration with the **Trust Payments Omnipay Acquirer** to support **Visa Original Credit Transactions (OCT)** for a broader range of merchants. Merchants classified under **MCC 5816 – Digital Goods: Games**, and using **Business Application ID (BAI)** set to **Funds Disbursement (FD)** in the Merchant Account configuration, can now execute Visa OCT transactions seamlessly. This update enables more flexible payout options for eligible merchants. eCommerce Payment Providers As of **October 2025**, **Visa and Mastercard** require refund transactions to be authorized. In line with this mandate, we have enabled **Online Refunds** for **Chase Stratus** and APACS acquirers **AIBMS** and **Global Payments**. Support for **Worldpay** and **Barclays** will follow soon. Additionally, **Extended Terminal ID functionality** is now enabled across **all APACS integrations: Worldpay, Barclays, AIBMS, and Global Payments**. **What’s New at a glance:** - **Online Refunds are now supported for AIBMS and Global Payments** (Worldpay and Barclays coming next). - **Extended Terminal ID is enabled across all APACS connectors: Worldpay, Barclays, AIBMS, and Global Payments**. Expect **higher transaction volumes per Terminal ID**, specifically driven by **Refund Authorization Requests**. The number of transactions that can be processed per second is tied to the number of Terminal IDs: - **1 Terminal ID = 0.5 Transactions Per Second (TPS)** - **10 Terminal IDs = 5 Transactions Per Second (TPS)** **Call to Action** - **If you process more than 0.5 TPS or handle transactions in batches, ensure your Terminal ID setup supports your expected volume**. If not already done, we recommend increasing the number of Terminal IDs as soon as possible to avoid disruptions. - **Ensure the setting for online refund processing is enabled:** in Open Payment Platform check the setting in the configuration field _Administration > Processing Settings > Send refunds as online messages_. Failing to do this will force acquirers to relay non-compliance fees on to the merchants! eCommerce Payment Providers We have extended our integration to **PXP Kalixa** to support **two key features**: - **Zero Amount Authorization:** Merchants can now initiate account verification transactions using a zero amount, enabling smoother onboarding and card validation flows. - **Google Pay and Apple Pay Support:** The connector now supports Google Pay and Apple Pay transactions, allowing merchants to offer more flexible and secure payment options to their customers. These updates help improve payment versatility and streamline the customer experience across supported channels. eCommerce Payment Providers To enhance transaction management and support more informed decision-making, **we have upgraded our integration with all Omnipay acquirers to display more meaningful return codes for declined transactions**. These codes — issued by credit card providers and payment service providers (PSPs) — offer actionable guidance on how to respond to declined payments, including whether and when to attempt resubmission. **Key Benefits** - **Smarter Transaction Handling:** Clearer insights into decline reasons enable more effective payment management. - **Better Decision-Making:** Informed resubmission strategies can help improve transaction success rates. - **Operational Efficiency:** Actionable data supports smoother workflows and enhances the overall merchant experience. eCommerce Payment Providers **Apple Pay is no longer limited to Safari or native Apple environments.** Users can now complete Apple Pay transactions in third-party browsers (e.g., Firefox, Edge) on Apple devices — and even on select non-Apple devices. **More browsers. More ways to pay with Apple Pay. Now available through COPYandPAY — easier than ever!** **Customer Impact** - **Broader Apple Pay Access** – Customers can now use Apple Pay in more browsers and on select non-Apple devices, making checkout easier wherever they shop. - **Frictionless Experience** – A smoother, faster payment process means fewer abandoned carts and happier shoppers. - **Higher Conversion Rates** – Expanded Apple Pay support helps merchants capture more sales and increase transaction volumes. - **Proven Success** – Early adopters are already seeing strong results — you could be next. **How It Works** - iPhone users can now check out securely with Apple Pay across more browsers — on Mac and other computers. - When not using Safari or a Mac: - Click the Apple Pay button at checkout. - Scan the on-screen code with your iPhone. - Review your details and complete the purchase securely using Face ID, Touch ID, or your passcode. **Merchant Setup** Merchants can enable this capability by configuring `applePayCapabilities` in their **COPYandPAY widget integration**. The setup is simple and requires minimal effort. Technical documentation is available here: [https://docs.aciworldwide.com/integrations/widget/apple-pay](https://docs.aciworldwide.com/integrations/widget/apple-pay). October 1, 2025 eCommerce 3D Secure To simplify and improve the user experience, we have **redesigned the user interface and reorganized the 3D Secure settings in Open Payment Platform**: - **Streamlined Settings:** The settings have been reorganized and simplified for better accessibility. - **Clean-Up of Legacy Options:** Deprecated and redundant settings — such as those related to 3D Secure version 1 — have been removed. - **Updated Merchant Onboarding API:** The API layout now reflects the new settings structure (front-end changes only). All parameters remain fully backwards compatible, with no change in behavior. **Need Help or Have Questions?** - For a **high-level overview of the changes**, check out our [3DS settings Migration Overview](https://paymentknowledgebase.com/display/PS/3D+Secure+settings+migration+overview). - For **in-depth guidance**, refer to our Knowledge Base articles on [3DS Settings](https://paymentknowledgebase.com/display/PS/3D+Secure+Settings). September 25, 2025 eCommerce Tokenization Cards stored as PAN tokens that have not been used for payments are at risk of expiring without a network token being provisioned. Once expired, schemes block tokenization as a fraud prevention measure — resulting in lost tokens and disrupted shopper experiences. To address this, we have introduced a **new standalone API endpoint** that allows you to provision a network token for an existing registration, even if no payment has occurred — as long as the card is still valid. This proactive approach helps secure network tokens in advance and ensures stored credentials remain usable. **New Endpoint:** `POST /v1/registrations/{uuid}/provisionNetworkToken` Use this endpoint to trigger network token provisioning for a registered card before it expires. eCommerce Tokenization Merchants using the **new omni token solution** can now benefit from **automatic network token provisioning** when switching to network tokens. **What’s New** - **When a merchant enables network token usage**, the system automatically attempts to provision a network token for existing omni tokens during regular payment flows. - **Provisioning is triggered dynamically** before authorization, with activation handled by the issuer. - Once available, **the network token is used in future transactions** — no changes required to the merchant’s integration. eCommerce Payment Providers We have improved our server-to-server integration for recurring **Apple Pay** transactions. When the **Electronic Commerce Indicator (ECI)** is missing after token decryption, our platform now handles the flow seamlessly, reducing friction and improving reliability. September 8, 2025 eCommerce Shop Plugins We are excited to announce the release of **version 1.3.0 of our BigCommerce Plugin**, now available on the [BigCommerce Marketplace](https://www.bigcommerce.com/apps/aci-worldwide/). **What's New** - **Manage Saved Cards in My Account.**Customers can now view and manage their saved payment cards directly from their account dashboard. September 2, 2025 eCommerce Shop Plugins We are excited to announce the release of **WooCommerce ACI Plugin v1.2.3**, now available on [GitHub](https://github.com/ACI-plugin/aci-woo-commerce/releases/tag/v1.2.3). This update includes a fix to the initialization API, which now uses the **order number** in the `merchantTransactionId` for improved consistency and tracking. August 28, 2025 eCommerce Payment Providers We have updated our **Mastercard Payment Gateway Services (MPGS)** integration to include the `resultDetails.3ds.acsEci` field, providing visibility into the **Electronic Commerce Indicator (ECI)** from 3D Secure authentication. This enhancement enables better transaction risk assessment, supports stronger fraud prevention, and ensures compliance with 3D Secure standards. August 20, 2025 eCommerce Tokenization You can now perform **zero-amount account verification** using merchant-provided network tokens — leveraging the `tokenAccount.*` API parameters. This enables validation of card credentials without initiating a payment. _Please note that this feature depends on the capabilities of the acquirer you are routing the transaction to, not all acquirers currently support zero-amount verification using network tokens._ **What’s New** - **Zero-amount verification** using merchant-controlled network token data. - **New API support via `tokenAccount.*` parameters** in transaction requests. - **Routing compatibility** with acquirers that support network tokens. eCommerce Token Import Open Payment Platform **As modern systems increasingly rely on flexible, structured data formats, we want to provide you with the best tools to stay aligned with evolving integration needs.** That’s why we are expanding the **Card Token Import Tool** to support JSON—making token imports more seamless and adaptable for diverse workflows. **What’s New** - **JSON file importing:** In addition to CSV, the tool now supports importing card tokens from JSON files. - **Flexible structure handling:** Whether your JSON is flat, nested, or customized, the tool can be configured to extract only the relevant fields. - **UI-based mapping:** Easily define which fields to import using the new JSON Token Input Format configuration in the Open Payment Platform User Interface. **Benefits** - **Greater compatibility** with modern data formats - **Simplified onboarding** for partners using diverse systems - **Reduced need for manual data transformation** **Backward Compatibility** - CSV imports remain fully supported—no changes required. **How to Start** - Open the Open Payment Platform and configure the JSON Token Input Format - Map the required fields to match your JSON structure - Upload your JSON file and monitor the import process August 14, 2025 eCommerce Shop Plugins We are excited to announce the release of **WooCommerce ACI Plugin v1.2.2**, now available on [GitHub](https://github.com/ACI-plugin/aci-woo-commerce/releases/tag/v1.2.2). This update includes changes to the Logger for improved debugging and monitoring. August 11, 2025 eCommerce COPYandPAY Tokenization We have enhanced the **one-click checkout experience in COPYandPAY**! Shoppers using network tokens will now see up-to-date card details — such as the latest last four digits and expiry date — automatically reflected in the widget. **What’s New** - **Live Card Updates:** Updated card details are now displayed automatically when changes are received from the schemes via network tokens. - **Improved Shopper Experience:** Reduce friction and confusion at checkout with accurate, real-time card information. - **Seamless for PSPs and Merchants:** No additional integration required if you are already using COPYandPAY with network tokens. This update helps you deliver a smoother, more transparent one-click checkout — boosting shopper trust and conversion rates. August 7, 2025 eCommerce Shop Plugins We are excited to announce the availability of our **Shopify Application v1.2.0**, now available on the [Shopify Marketplace](https://apps.shopify.com/aci-worldwide). This update brings valuable new features and essential fixes to improve your payment experience and app performance. **New Functionality** - **OPP Parameters Configuration.** Administrators can now configure OPP parameters directly within the Shopify Admin interface. - **Localization Support.** Multi-language support added to enhance accessibility for global users. August 06, 2025 eCommerce Payment Methods Open Payment Platform **As digital wallets continue to grow in popularity, having flexible control over how these transactions are processed is more important than ever.** You can now **route ApplePay, GooglePay, and SamsungPay transactions** to specific channels based on your configuration — just like with card payments. **What’s New** - **Digital wallet brands** are now available in the **Routing configuration UI** in Open Payment Platform. - **Channel-specific routing** is supported for these payment types when the merchant is integrated at the merchant entity level. **Benefits** - Greater control over how digital wallet transactions are processed. - Flexible logic for fraud checks, acquirer selection, and processing per channel. - Supports orchestration strategies tailored to your business needs. July 16, 2025 eCommerce Payment Providers Our key payment products — **COPYandPAY, Pay by Link, and Mobile SDK (MSDK)** — are now fully compliant with the **European Accessibility Act (EAA)** and **Web Content Accessibility Guidelines (WCAG) 2.2 AAA** standards. This ensures inclusive and accessible experiences for all users. Enhancements include improved support for assistive technologies, streamlined navigation, and rigorous compliance testing. For a detailed overview, check out the full compliance description here: [Accessibility Compliance (WCAG 2.2 AAA & EAA)](/reference/accessibility). July 7, 2025 eCommerce Payment Providers We are excited to announce the launch of **CembraPay**, Cembra’s new digital payment solution! This new integration enhances the online checkout experience by enabling customers to finance their purchases directly at the point of payment. With CembraPay, shoppers can enjoy greater flexibility and control over their spending. **Key Benefits:** - **Flexible Payment Options:** Choose between installment plans or deferred payments. - **Real-Time Credit Decisioning:** Instant eligibility checks ensure a smooth and efficient checkout process. CembraPay is currently available to merchants based in Switzerland and Liechtenstein. For more information, please visit the [Payment Methods](/payment-methods) page. eCommerce Payment Providers We’ve enhanced our **Trustly** integration by introducing **support for the customer locale**. This new capability allows the locale parameter to be passed via a **dedicated Merchant Account option**, enabling market-specific configurations while preserving full compatibility with existing setups. July 3, 2025 eCommerce Tokenization In line with our commitment to delivering seamless and efficient checkout experiences, we’re excited to introduce support for **one-click checkout using stored omniTokens**. **Main Features** - **Convenient Checkout**: Merchants can now enable one-click checkout by leveraging stored omniTokens. This utilizes our Token Vault capabilities to detokenize omniTokens and retrieve card details for payment finalization. - **Enhanced System Visibility**: The new omniToken flow introduces greater transparency within the system. - **Detokenization of PAN**: When a network token is not available, detokenization requests are processed with `paymentType=DT`. - **Network Token Fetch**: When the network token route is enabled, detokenization requests are processed with `paymentType=TF`. eCommerce Shop Plugins We are excited to announce the release of **WooCommerce ACI Plugin v1.2.0**, now available on [GitHub](https://github.com/ACI-plugin/aci-woo-commerce/releases/tag/v1.2.0). This update brings powerful new features and essential fixes to improve your checkout experience and plugin performance. **New Functionality** - **Display and Deletion of Saved cards**. Users can now view and remove saved cards directly from their profile. - **ACI Logger settings.**New logging options for Debug and Error modes to help with troubleshooting and monitoring. **Fixes & Enhancements** - **Customer Info Initialization**. Fixed an issue where customer information was not passed during ACI initialization. - **Order Update Emails**. Order update emails are now triggered and sent correctly. For full details on plugin capabilities and integration guidance, please visit our [Plugin Documentation](https://docs.aciworldwide.com/tutorials/plugins) June 26, 2025 eCommerce Payment Providers We have enhanced our integration with **Nedbank via Postbridge** to comply with **MasterCard mandate AN6022**. This update introduces new data elements that align with evolving industry standards, helping to standardize key transaction data and prepare systems for future payment innovations. The Integration Sheet was updated with all the details. June 25, 2025 eCommerce Payment Providers To support better transaction handling and decision-making, we’ve enhanced our **Credorax integration by incorporating Merchant Advice Codes**. These codes, provided by credit card issuers and PSPs, offer guidance on how to handle declined transactions—such as whether and when to resubmit them. **Key Benefits:** - **Improved Transaction Handling:** Clear guidance on managing declined payments. - **Enhanced Decision-Making:** Informed choices on resubmission, potentially increasing success rates. - **Streamlined Operations:** Actionable insights that support smoother processes and a better merchant experience. June 23, 2025 eCommerce Payment Providers We are thrilled to announce an exciting enhancement to our **Credorax integration**: support for **Mastercard Send Funding and Visa Account Funding Transaction** is now live! This powerful new feature allows registered Scheme Program Participants to securely pull funds from a Sender’s account and transfer them to a Recipient — unlocking faster, more flexible payment flows and expanding your real-time transaction capabilities. These transaction types require a special configuration, fully detailed in the Credorax Integration and Configuration Sheets. June 17, 2025 eCommerce Payment Management In alignment with our commitment to providing flexible and efficient payment processing, we are excited to announce enhancements to our payment routing capabilities. Merchants can now **configure routing rules based on brand and payment type**. For example, credit payments for specific brands can be directed to one channel, while debit payments are routed to another. This added flexibility supports more advanced multi-acquiring strategies. The update introduces a **combination of routing, dispatching, and smart retry mechanisms**: - **Routing** directs transactions to specific channels based on brand or payment type. - **Dispatching** matches transactions to merchant accounts using criteria such as BIN or ticket size. - **Retry** automatically reprocesses declined transactions with the same or a different acquirer, depending on the return code. These features can be configured under **Administration > OPP > Routing - Payment**. This update empowers merchants with greater control over transaction flows, ensuring more efficient and compliant payment processing. June 16, 2025 eCommerce Tokenization To further enhance transparency and efficiency, we are introducing a **new result code for declined transactions** involving deleted network tokens. When a token is removed by the issuer—due to card expiration, account closure, or a cardholder request—merchants will now receive the following result code: **800.100.328 – "Network token transaction declined (deleted network token)."** This update helps merchants quickly identify and manage token-related declines with greater clarity. eCommerce Tokenization In line with our commitment to transparency and efficiency, we’re thrilled to introduce a powerful enhancement: merchants will now receive updated **card details directly through the network token** route. Whenever a shopper’s card information changes, like a new expiry date or updated last four digits, issuers will push these updates through the schemes, ensuring you always have the most current data. - **New Card Details Format:** `{   "newCard": {     "last4Digits": "0003",     "expiryMonth": "04",     "expiryYear": "2027"   } } ` - **Token Life Cycle Events:** We’re also exposing life cycle events for network tokens. This means you’ll be notified of key updates, such as card reissues or expiry changes, so you can keep your shoppers informed and maintain seamless payment experiences. June 6, 2025 eCommerce Payment Methods We have launched the **Tutorial Guide for our Click to Pay product**! This guide captures the core value of Click to Pay — highlighting its benefits and showcasing detailed illustrations of various use cases to help users understand its full potential. - **Click to Pay with real card details** is acquirer-agnostic, making it easy for merchants to adopt as a fast and secure payment method. - **Click to Pay with Network Tokens** works seamlessly with any acquirer that supports Network Tokens — no additional implementation required. While the Tutorial Guide offers a comprehensive overview of Click to Pay functionality, stay tuned! An **Implementation Guide will be available soon**, featuring interactive COPYandPAY requests so you can try out the functionality firsthand. eCommerce Payment Providers We have enhanced the **Trust Payments Omnipay** integration with support for **Mastercard Send Funding**. This powerful new feature enables registered Mastercard Program Participants to initiate secure fund transfers from a Sender to a Recipient — broadening your payout options and boosting flexibility. Special configuration is required, and we’ve got you covered with detailed guidance in the updated Trust Payments documentation. eCommerce Payment Providers The **Paystrax Omnipay** integration now supports **Visa and Mastercard Payment Facilitator transactions**! This enhancement empowers service providers to enable merchants to process payments more efficiently and at scale. A Payment Facilitator (PayFac) is a service provider that allows sub-merchants to accept payments under its master account—simplifying onboarding and accelerating transaction processing. Special configuration is required, and we’ve documented everything you need in the updated documentation. June 5, 2025 eCommerce Payment Providers We have added support for the _checkoutOption_ parameter in the **Google Pay** configuration within _wpwlOptions_. This allows merchants to set _COMPLETE\_IMMEDIATE\_PURCHASE_ when _totalPriceStatus_ is FINAL, unlocking a faster, more seamless checkout flow. It is a powerful enhancement that aligns perfectly with Google Pay’s latest API capabilities — and yes, the documentation is already updated to guide you through it! eCommerce Payment Providers We have refreshed the **American Express (AMEX)** payment brand to align with the latest official guidelines. From updated logos to polished documentation, every detail has been thoughtfully refined to deliver a consistent and recognizable experience for cardholders. It is all about staying sharp, professional, and perfectly in step with AMEX standards. eCommerce Payment Providers We have fine-tuned the **Google Pay** experience to make your checkout journey even smoother. Now, the **Google Pay button automatically disables after payment authorization** — eliminating accidental double taps and ensuring every transaction is clean and confident. It is a small change with a big impact on reliability and user satisfaction! June 2, 2025 eCommerce Payment Providers We have rolled out an improvement to the **Sony Payments** integration: **Store codes for Store codes for Card Processing, ApplePay, and GooglePay can now be configured** directly through the Merchant Account Setting, eliminating the need for hardcoded values. This enhancement preserves full backward compatibility while enabling greater flexibility—allowing each Merchant ID (MID) to operate with its own unique set of store codes for streamlined processing. eCommerce Payment Providers We have introduced a new enhancement to our **PayPay** integration: **Tenant IDs are now configurable** via the Merchant Account, replacing previously hardcoded values. This change maintains full backward compatibility and allows different Merchant IDs (MIDs) to be associated with different Tenant IDs, offering greater flexibility in setup and processing. June 1, 2025 eCommerce Payment Providers We are excited to share a new enhancement to our **AIBMS integration**: support for **Account Funding Transactions (AFTs) on Visa-branded cards** is now live. This upgrade unlocks seamless AFT processing, giving you more flexibility in how you move funds. It also expands your payment capabilities — making it easier than ever to deliver smooth, customer-friendly experiences. May 22, 2025 eCommerce Shop Plugins We are excited to announce the availability of our **Shopify extension**, now available on the [Shopify Marketplace](https://apps.shopify.com/aci-worldwide). The Shopify extension helps you launch or expand your business rapidly. If you are launching your business for the first time on Shopify, we can help you roll out quickly through our configuration capabilities. If you are already on Shopify and thinking of an expansion, we offers a wide variety of secure, local, and global payment options. **Key Features** - **Card Payments** - Local and Global Schemes. - **Access to Payment methods globally.** - **AI based Fraud Management and Checkout customization.** - **Languages**: English, French, Italian, and Spanish. May 21, 2025 eCommerce Shop Plugins We are excited to announce the release of **WooCommerce ACI Plugin v1.1.0**, now available on [GitHub](https://github.com/ACI-plugin/aci-woo-commerce/releases/tag/v1.1.0). This update introduces new features and important fixes to enhance the checkout experience and plugin performance. **New Functionality** - **Fast Checkout for Apple Pay and Google Pay**. Customers can now enjoy a faster, more secure checkout experience using their preferred digital wallets. With support for Apple Pay and Google Pay, purchases can be completed seamlessly across supported devices and browsers. **Fixes & Enhancements** - **Resolved:** An issue where _wpwlOptions_ JavaScript settings from the admin configuration were being overwritten by plugin logic. - **Added:** A new OPP parameter, _pluginType_, is now included in all transaction API calls for improved tracking and integration clarity. For full details on plugin capabilities and integration guidance, please visit our [Plugin Documentation](https://docs.aciworldwide.com/tutorials/plugins). eCommerce COPYandPAY Payment Providers To support more flexible integration, we have enhanced the **Google Pay** widget to include support for the `onBeforeSubmitCardPromise` callback. This new feature allows developers to run asynchronous operations before the card form is submitted. The callback returns a Promise, and the form submission will proceed or be canceled based on whether the Promise resolves or rejects. May 19, 2025 eCommerce Payment Providers We have enhanced our **Mastercard Payment Gateway Services (MPGS)** integration to support additional **airline-specific data fields** for transaction processing. **The update introduces support for the following fields:** - **City of Origin Airport Code**, captured through `airline.passengers[n].legs[n].departureAirport` - **City of Destination Airport Code**, captured through `airline.passengers[n].legs[n].arrivalAirport` - **Flight Number**, captured through `airline.passengers[n].legs[n].flightNumber` This enhancement builds on our existing support for airline transactions and enables more detailed and compliant data submission for airline-related payments. eCommerce Payment Providers We have enhanced our **Emerging Markets Connectors (EMC)** integration to offer greater flexibility and transparency in payment processing. **Customizable Reconciliation ID** Merchants can now configure the value sent in `processingInformation.reconciliationId` within their Merchant Account. Supported options include: - **Merchant Transaction ID** (default) - **Short ID** – an internally calculated identifier - **Unique Timestamp** – an internally generated unique value in the format `yyyyMMddhhmmssSSS` **Improved Error Transparency** To provide clearer insights into transaction outcomes, we have introduced a new response field: `ErrorMessage`. This field delivers a detailed description of the decline reason, as provided by the acquirer. eCommerce Payment Providers We are continuously enhancing our integrations to support a seamless payment experience. Our updated **Nedbank via Postbridge** integration now includes **full support for Visa and Mastercard digital wallets, including Google Pay, Apple Pay, and Samsung Pay**. This enhancement ensures broader compatibility and a smoother transaction process across supported platforms. For more information, refer to our integration documentation. May 15, 2025 eCommerce Tokenization We are excited to introduce enhanced support for _threeDSecure._ parameters in our **OmniToken solution** when using an **external 3D Secure version 2 authentication provider (MPI)**. **New Functionality:** - **3D Secure v2 with External MPIs:** Merchants can now include _threeDSecure._ parameters in: - _POST /v1/payments_ with _createOmniToken=true_ - _POST /v1/omnitokens/{omnitoken}/payments_ **Why It Matters:** - OmniTokens are widely used across eCommerce and in-store channels—especially in the U.S., where loyalty programs often rely on shared tokens. As digital commerce and fraud risks grow, adoption of 3D Secure version 2 is increasing. This update enables secure integration with external MPIs, helping merchants stay ahead. **Behavior Changes:** - **Before:** _threeDSecure._ parameters were ignored. - **Now:** Fully supported for secure CIT payments and standalone tokenizations with shopper present. eCommerce Shop Plugins We are excited to announce the release of **version 1.1.0 of our BigCommerce Plugin**, now available on the [BigCommerce Marketplace](https://www.bigcommerce.com/apps/aci-worldwide/). This update introduces new features and key bug fixes to enhance performance and user experience. **New Functionality:** - **Fast Checkout Support:** Google Pay and Apple Pay are now available directly in the cart and minicart, enabling a faster and more seamless checkout experience. - **Custom Enhancements:** jQuery is now enabled for custom JavaScript and CSS fields, offering greater flexibility for storefront customization. **Bug Fixes:** - **Order Confirmation Page:** Fixed an issue where the default confirmation page appeared instead of the custom one during checkout. - **Admin Session Timeout:** Resolved an error that occurred when admin sessions timed out. For more information on plugin capabilities and integration guidance, visit our [Plugin Documentation](https://docs.aciworldwide.com/tutorials/plugins). May 8, 2025 eCommerce Security Open Payment Platform We have enhanced the **Multi-Factor Authentication (MFA)** experience in Open Payment Platform for new users. When the _Disable 2FA for non-admin user roles_ setting is turned off, users in roles such as call center or operator will now see an _Enroll your device_ link during login. This enables them to securely self-enroll their device for MFA—no administrator involvement needed. Benefits: - Streamlines user onboarding - Reduces administrative workload - Enhances security with a smoother, self-service experience. eCommerce Payment Providers We have expanded our **Iyzico** integration to include support for **TROY** cards. In alignment with the directive from Turkish regulators, the Interbank Card Center, and all acquiring banks, TROY-branded cards must now be accepted for all online transactions in Turkey. TROY is Turkey’s only domestic card scheme, offering a full range of financial services including credit, debit, and prepaid card issuance, as well as network processing. Our prompt implementation ensures continued compliance and seamless payment experiences for users in Turkey. May 7, 2025 eCommerce Payment Providers MasterCard has introduced a fixed value for each processing acquirer and requires now each Gateway Service Provider to send the **Merchant Payment Gateway (MPG) ID** value for every transaction. We have updated our integration with **AIBMS** to include the MPG ID field when handling traffic from our Payment Platform. This update ensures that our processing remains compliant and up-to-date, providing seamless and secure transactions for our customers. May 5, 2025 eCommerce Tokenization In line with our commitment to staying ahead of industry trends, we are excited to announce that starting with **version 61**, our **Mastercard Payment Gateway Services (MPGS)** integration now supports **Network Token (NT)–based payment authorization**. This enhancement enables eCommerce merchants to authorize transactions using network token data, aligning with the latest scheme requirements. Key benefits include: - Lower interchange costs - Higher approval rates - Enhanced security, as issuers pre-approve token provisioning This update helps merchants remain compliant while boosting performance and improving the overall customer experience. April 24, 2025 eCommerce Tokenization Payment Providers Following our major enhancement to omni token management on October 23, 2024, we are excited to announce that the **COPYandPAY widget** now fully supports **the new omni token flow**. With this update, merchants can securely collect card details from shoppers via the widget, tokenize the card using the Token Vault, and initiate a `paymentType=TK` transaction. Tokens can be created: - As standalone tokens - During an initial purchase - As part of account verification This enhancement empowers our omnichannel merchants to take full advantage of network tokenization, resulting in more efficient, secure, and successful transactions. April 16, 2025 eCommerce Open Payment Platform We have improved the **search functionality for blacklisted accounts** across credit cards, debit cards, and direct debits. This feature is accessible via the _Blacklist > Account Blacklist_ menu in the UI. The interface has been streamlined to allow searches based on the full PAN or IBAN, and optionally the account holder name. In addition to the simplified UI, **search performance** has been significantly enhanced at the entity level, ensuring faster and more efficient access to blacklist data. April 10, 2025 eCommerce Single Sign On We are excited to announce further enhancements to our **Single Sign-On (SSO)** system, focusing on improved token management and user authentication. **Key Updates:** - **Inclusion of _id\_token_ in Token Response:** For customers using the SSO integration, the _id\_token_ will now be included in the token response. This token contains user information, allowing integrators to obtain details directly without needing to call the `/userinfo` endpoint. - **Enhanced Token Management:** The _refresh\_token_ parameter is now documented, allowing applications to obtain new access tokens without requiring users to re-authenticate. This ensures continuous access and improves user experience. eCommerce Payment Providers Ensuring compliant integrations for our customers is a top priority! We have enhanced our integration with **Evry** to comply with **MasterCard mandate AN 9425**. With this update, refund authorization will now be requested prior to submitting the clearing file. This change streamlines the refund process, aligns with industry standards, and simplifies transaction management. April 9, 2025 eCommerce Payment Providers MasterCard has introduced a fixed value for each processing acquirer and requires now each Gateway Service Provider to send the **Merchant Payment Gateway (MPG) ID** value for every transaction. We have updated our integration with **NETS** to include the MPG ID field when handling traffic from our Payment Platform. This update ensures that our processing remains compliant and up-to-date, providing seamless and secure transactions for our customers. March 24, 2025 eCommerce Payment Providers We are excited to announce that our integration with **Raiffeisen Bank International (RBI)** now supports correct Trace ID in Credit (Purchase Return) transactions. This update is designed to significantly enhance data integrity, ensuring more accurate and reliable transaction processing. eCommerce ConnectIn We are excited to announce that the ConnectIn API has been enhanced to support several new features, ensuring a more robust and versatile integration experience. The new features are: - **Visa Direct Original Credit Transactions (OCT):** enables secure, convenient, and fast direct funds transfers to credit or debit cards. - **Visa Direct Account Funding Transactions (AFT):** allows funds to be pulled from an eligible Visa account. - **Mastercard Send Payment:** provides near real-time payment transfers to consumers, gig workers, and small businesses. - **Mastercard Send Funding:** enables secure funds transfers from a consumer's sending account to a recipient's account. These updates enable smoother and more efficient transaction processing, providing you with greater flexibility and control over your payment operations. March 20, 2025 eCommerce Security We are expanding our Multi-Factor Authentication (MFA) support to include non-administrative roles, enhancing the security of Personally Identifiable Information (PII) under Gramm-Leach-Bliley Act (GLBA, United States federal law) requirements. **Key Highlights:** - **Existing MFA setup:** MFA is already enabled for admin roles (Administrator, Operator, Account Access). - **New MFA Support:** Customers can now enable MFA for non-administrative roles (Accounting Global, Call Center, Call Center Restricted, Analysis) through a simple configuration setting. **How to configure:**This feature is by default disabled (set to _true_) for non-administrative users in the user interface of our platform. To check and change, follow the path in the configuration: _Administration > User Configuration > Disable 2FA for non-admin user roles (true/false)_. This update provides an additional layer of security, ensuring comprehensive protection for all user roles. March 14, 2025 eCommerce Documentation We are streamlining the process for resetting or updating the Developer Portal configuration by ensuring that no new Bearer token is generated. This change reduces friction for customers using this structure for their tests. **Key Highlights:** - **No New Bearer:** When resetting or updating the developer portal configuration, the existing Bearer token remains unchanged. - **Simplified Process:** To generate a new Bearer token, simply delete or move the _OPP\_Merchant_ structure. Any new reset or update will recreate the structure with a new Bearer. This update enhances the user experience by maintaining consistency and reducing unnecessary steps. March 5, 2025 eCommerce Tokenization In alignment with Visa and Mastercard's ambition to process every single digital payment transaction with a network token, we are excited to announce support for **network tokens in one-time payments**. **Main Features:** - **Immediate Network Token Provisioning:** Network token provisioning is attempted immediately for one-time payments. - **3D Secure flow and Payment with Network Token:** If the network token is active, 3D Secure checks and payment will be performed using the network token. - **Fraud Screening with Real PAN:** Fraud screening will be conducted using the real PAN to benefit from consortium data. - **Support for COF Payments via Standalone Endpoint:** Customers storing card data in a PCI DSS-compliant environment can now use the _/v1/payments_ **standalone endpoint** to send COF payments - flagged as either **CIT (Cardholder-Initiated Transaction)** or **MIT (Merchant-Initiated Transaction)** - and still benefit from network tokenization. This flow does not require a merchant token to be present on the gateway, enabling secure and flexible processing. **How to configure:** Enable this feature in the user interface of our platform, following the path in the configuration: _Administration > Processing > Network Tokenization > Process one-time payments with network tokens (default: false)_. This update ensures efficient and compliant transactions for one-time payments. eCommerce User Management We have introduced a new feature that allows the creation of duplicate users within our platform. This enhancement addresses the need for merchants to manage users across different Payment Service Providers (PSPs) efficiently. **Key Highlights:** - **Flexible User Management:** Merchants can now create the same username (e-mail address) under different PSPs, simplifying user management. - **Seamless Integration:** This update aligns with our backend support for duplicate users, ensuring a smooth experience. February 26, 2025 eCommerce Payment Providers Our integration with **Worldpay** now supports Dynamic Merchant Category Code (MCC) and Merchant Country of Origin. These new fields are optional and can be configured in your Merchant Account. **Dynamic Merchant Category Code (MCC):** If you're a Payment Intermediary merchant, you might need to include the MCC of your sub-Merchant or retailer if it's different from your own. Be sure to check with your Worldpay Relationship Manager to understand when this is required or allowed. They'll also guide you on which MCCs can be used in these cases. **Merchant Country of Origin:** Some Payment Intermediary merchants may need to add a new data element in their authorization messages and clearing file records. If your sub-merchant is 50% or more owned by a government, you must include the Country of Origin of the owning government. For example, the visa issuing department of the U.S. embassy in the UK will indicate the U.S. as the owning government in all card transaction messages. Here's a list of MCCs for which this is required: - 9211 (Court costs including alimony and child support) - 9222 (Fines) - 9311 (Tax payments) - 9399 (Government services - not elsewhere classified) - 9402 (Postal services - government only) - 9405 (Intra-government purchases - government only) - 9406 (Government-owned lottery \[global, excluding U.S. region\]) February 19, 2025 eCommerce Reporting We are excited to introduce a new feature that helps merchants **track transaction statuses** more accurately. This update allows merchants to include transaction status updates in their SFTP exports, ensuring that any late notifications from acquirers are captured in the reports. **What's New:** **Intermediate and Final Statuses:** In HOURLY reports, you might see an intermediate status (e.g., PENDING). The final status will appear in a future report, depending on the payment method or acquirer. **Configuration Setting:** Enable the `searchByRequestResultTime` setting under _Administration > Processing > Automatic Transaction Export (via SFTP) > Configure Automatic Transaction Export reporting_. eCommerce Tokenization We are excited to announce enhancements to our **network tokenization process** to ensure that cards are tokenized as early as possible in the payment workflow. This update streamlines the payment process, providing a more efficient and secure transaction experience, especially for customers transitioning to network tokens. **What's New:** - **Early Tokenization:** Cards are now network tokenized before 3DS or payment. We check if the network token is active and use it if available; otherwise, we fall back to the PAN. - **Optimized Workflow:** This change allows us to benefit from network tokens sooner, assuming they are provisioned by the schemes and approved by the issuer. February 17, 2025 eCommerce Tokenization On October 23, 2024, we released a significant improvement to our omni tokens management. We did not stop there and continued enhancing the system. Today, we are thrilled to announce that our omnichannel customers are enabled to leverage **network tokenization** for their **omni tokens** across channels. This enhancement currently supports **server-to-server integration**, with future support planned for COPYandPAY. It provides several benefits: - **Higher Authorization Rates:** Benefit from higher acceptance rates with networks and issuers. - **Better Incentives:** Gain better incentives when transacting due to adherence to network rules. - **Enhanced Visibility:** All payments made with omni tokens are now visible in the Payment Orchestration Platform. - **Onboarding:** Omni merchants are now required to first onboard with card networks before network tokens can be used in payments. This update ensures that our omnichannel customers can maximize the advantages of network tokenization, leading to more efficient and successful transactions. eCommerce Payment Providers Providing our customers with compliant integrations is a top priority. We have updated our integration with **Rapyd** to meet MasterCard mandate AN 9425. With this update, refund authorization will be requested before submitting the clearing file. This ensures a more streamlined and efficient refund process, aligning with industry standards and simplifying transaction management. eCommerce Payment Providers Elavon has updated the requirements for processing transactions with MasterCard. We have seamlessly aligned our **Elavon** and **EUROCONEX** integrations to meet these new standards. Now, MasterCard transactions for both integrations will include the Universal Cardholder Authentication Field (UCAF) value for Electronic Commerce Indicator (ECI) values "02", "01", and "N2", ensuring compliance and smooth processing. The change targets the aim to enhance security and prevent fraud. February 11, 2025 eCommerce Security In our strive to keep on top of the security best practices, we are introducing a preparatory step for the secure storage of API Bearer tokens used in transaction requests. While these tokens are currently not hashed, we are taking steps to ensure they are securely stored from creation. **Key Points:** - **Token Creation:** An API Bearer token is generated and displayed in a pop-up when a merchant entity is created. Store it securely in your vault. - **Future Hashing:** Tokens will be hashed before storage in future updates. - **Irrecoverable Tokens (Future):** Once hashed, tokens cannot be recovered. New tokens will need to be generated if needed. This step is crucial for enhancing transaction security and protecting your API Bearer tokens. Stay tuned for further updates! February 6, 2025 eCommerce Payment Providers We have enhanced our **COPYandPAY** onReady callback to support smooth **Apple Pay** integration. Now, you can add the Apple Pay button during asynchronous payment flows, ensuring it appears only after the Apple Pay JavaScript is fully loaded. This guarantees a seamless integration, with the callback triggered only after the button is successfully added. eCommerce Payment Providers We are committed to providing the best experience for our customers. Our updated integration with **Apple Pay** now fully supports the card type information provided by Apple Pay. Previously unused, this data is now seamlessly incorporated and processed by our system. For further details, see our API reference, chapter [Apple Pay](/reference/parameters#applepay), and the Integration documentation. eCommerce Tokenization In our commitment to continuously improve tokenization, we have refined the _onBeforeSubmitOneClickCard_ callback. It now triggers only after successful form validation for the oneClick widget, ensuring a smoother and more reliable user experience. eCommerce Single Sign On We are excited to announce improvements to our **Single Sign-On (SSO)** system, including a new user consent feature for accessing private information. This is especially beneficial for customers integrating their applications with our SSO, ensuring clarity and consistency with their UI style. Users will see a consent page detailing the specific data being accessed (e.g., name, preferred username), and the consent page will match the look and feel of the login UI. This enhancement ensures transparency and user control over private information, making integration seamless for our customers. February 3, 2025 eCommerce Payment Providers We are committed to compliance and have aligned our system with the **Mastercard Global Risk Investigation Program (GRIP) mandate**. This update introduces new transaction data elements to improve interoperability and authorization approval rates. The following fields are now required for all transactions processed with a sponsored Merchant Identification Number via **Valitor/Rapyd API Version 1**: - Merchant Street - Merchant State or Province - Merchant Country Code - Merchant URL Address - Merchant Phone Number eCommerce Payment Providers We are excited to announce that **Naver Pay**, one of Korea's most popular digital wallets, is now available through direct integration with our platform. **Key Points:** - **Seamless Integration:** Easily integrates with Naver's ecosystem. - **Versatile Payment Options:** Supports credit cards and bank transfers. - **Rewards Program:** Users earn Naver Pay Points for discounts on future purchases. - **Multi-Device Access:** Accessible across desktop and mobile devices for a consistent user experience. January 28, 2025 eCommerce Payment Providers To accommodate acquirers who prefer to handle decryption themselves, our platform now includes an option to pass encrypted **Google Pay** token data directly to the acquirer. This update ensures that the encrypted token can be seamlessly transferred for Google Pay transactions. eCommerce Payment Providers We have enhanced our **Host-to-Host integration** with **Rapyd (Valitor)** by incorporating **Merchant Advice Codes**. These codes, provided by credit card issuers and payment service providers (PSPs), guide merchants on handling declined payment transactions, including whether and when to resubmit them. **Benefits:** - **Improved Transaction Handling:** Clear instructions for managing declined transactions. - **Enhanced Decision-Making:**Informed decisions on resubmitting transactions, potentially increasing success rates. - **Streamlined Operations:** Actionable insights support smoother transaction processes and better merchant experience. January 22, 2025 eCommerce Documentation **We have made improvements to our Developer Portal configurations, designed to enhance your testing experience.** **What's new:** - **Resetting the entire channel configuration now takes less than 25 seconds.** Quickly refresh your testing environment to the latest configuration, minimizing downtime and keeping your workflow smooth. - **Updating the developer portal configuration is now instantaneous.** Changes to tutorial visibility and other settings are applied immediately, ensuring your team can work with the most current information without delay. - **New tutorials introduced!** We've added tutorials to help you test various payment methods, including smart retry for payments, omni tokens, and network tokens. **Where to start:** - **Select your entity in User Acceptance Environment.** - **Reset the Configuration via** _Administration > OPP > Developer Portal_. - **Verify the updated structure.** eCommerce Payment Providers **Worldpay** has updated its method for recognizing recurring transactions, replacing the Merchant Identification Number (MID)-based system with a flag expected in the transaction request. As a result, all recurring Customer Initiated Transactions (CIT) and Merchant Initiated Transactions (MIT) will now be automatically flagged to Worldpay, regardless of the Merchant Identification Number (MID) used. January 13, 2025 eCommerce Payment Providers We are excited to announce that we have added support for Geographic Coordinates to our Host-to-Host integration with **Raiffeisen Bank International (RBI)**. This enhancement allows for more precise location data, improving the accuracy and reliability of transactions. December 16, 2024 eCommerce Tokenization We are pleased to announce that our integrations with **eMerchantPay**, **TrustPay**, **Citibank**, **FDMS UK**, and **Paystrax** now support payment authorization using network token transaction data for Visa and MasterCard networks. This enhancement ensures more secure and efficient payment processing across these platforms. December 9, 2024 eCommerce 3D Secure We acknowledged that the compulsory 3D Secure flow for our integration with **Mastercard Payment Gateway Services (MPGS)** is a limitation for some customers. Therefore, we have extended the list of values sent in the _apiOperation_ parameter to MPGS. Previously, the _apiOperation_ parameter was always used to initiate the 3D Secure flow on the acquirer side. Now, it can be used to either execute or bypass the 3D Secure flow on the acquirer side. November 6, 2024 eCommerce Single Sign On We are excited to announce the launch of our new **Single Sign-On** product, **SSO2**! This upgrade brings significant improvements, leveraging the latest technology stack and security frameworks. **Key points to note**: - No impact on existing applications: our applications using Single Sign-On, such as Open Payment Platform, Virtual Terminal, or Developer Portal, will continue to function as they do today. Users will experience no change in their login process. - Enhanced integration for customers: SSO2 is designed for customers who wish to integrate their own applications with SSO, providing a more secure and streamlined experience. - Interactive documentation: We now offer an interactive guide to help customers experience the integration process firsthand. See [SSO](/support/sso). **Why SSO2 is important**: - Simplified access: One login for all applications, reducing the need to remember multiple passwords. - Enhanced security: Centralized, secure authentication that mitigates the risk of breaches. - Boosted efficiency: Faster, seamless access to all necessary tools and applications, enhancing productivity. October 23, 2024 eCommerce Tokenization We are thrilled to announce significant improvements to our **omni tokens management system**, designed to boost security and efficiency. This new version currently supports server-to-server integration, with future support planned for COPYandPAY. **Key Highlights:** - **New Merchant Tokens:** Omni tokens are innovative merchant tokens, central to the Token Vault concept, and are used in both eCommerce and in-store transactions. - **Server-to-Server Integration:** Ensures robust and secure token management with server-to-server integration. - **New Payment Types:** Every omni token creation now uses _paymentType=TK_ in the system. When performing a payment using the omni token as a merchant token, the omni token is detokenized from the Token Vault to retrieve the Full Primary Account Number (FPAN), and a new _paymentType=DT_ is created. Fraud screening will continue with the FPAN. - **Enhanced Visibility:** Omni tokens now have enhanced visibility in the system for both customers and internally (Support teams), covering billing requirements. - **UI Configuration:** Enablement for the new version is done via UI configuration. Onboarding with the Token Vault is required before turning on the usage of new omni tokens. This update provides a more secure and efficient way to manage omni tokens, ensuring seamless integration and enhanced fraud protection. eCommerce Payment Providers Following our commitment to enhance our reverse integration **ConnectIn**, we now allow control over both timeouts - connector timeout and cardholder timeout for the transaction. The fields Consumer Initiated Timeout (maximum value 1440 Minutes) and Acquirer Request Timeout (maximum value 44640 Minutes) in the Merchant Account Configuration allow defining the respective values. October 21, 2024 eCommerce Payment Providers We are thrilled to announce our integration with **Vipps MobilePay** - one of Europe's largest and most inclusive mobile wallets. This new API integration is designed to enhance your payment experience, providing seamless and secure transactions across the Nordic region (Denmark, Finnland, Norway). Dive in to discover how this enhancement can streamline your operations and elevate your business! For more information, please refer to the [Payment Methods](/payment-methods) page. October 14, 2024 eCommerce Payment Providers Mastercard has introduced a fixed value for each processing acquirer and requires now each Gateway Service Provider to send the Merchant Payment Gateway (MPG) ID value for every transaction. We have updated our integration with **First Data Compass**, specifically covering South Africa, to include the MPG ID field when handling traffic from our Payment Platform. This update ensures that our processing remains compliant and up-to-date, providing seamless and secure transactions for our customers. October 7, 2024 eCommerce Tokenization We have introduced a new function that activates before the **OneClick card form** is submitted: _onBeforeSubmitOneClickCardPromise()_. This function returns a Promise object, guiding the next steps based on the outcome of an asynchronous operation. October 1, 2024 eCommerce Payment Providers Mastercard has introduced a fixed value for each processing acquirer and requires now each Gateway Service Provider to send the Merchant Payment Gateway (MPG) ID value for every transaction. We have updated our integration with **Nedbank**, specifically covering South Africa, to include the MPG ID field when handling traffic from our Payment Platform. This update ensures that our processing remains compliant and up-to-date, providing seamless and secure transactions for our customers. eCommerce Payment Providers In our effort to facilitate a smooth integration for every customer, we have updated our integration with **Worldpay**. Now, you can send Payment Facilitator transactions. Customers running Payment Facilitator transactions with Worldpay can either configure the specific sub-merchant details in the Merchant Account, or send them in the dedicated API parameters. September 30, 2024 eCommerce Industry Standards As part of our ongoing commitment to ensure the highest standards of security and compliance, we keep our solution and our offering to you compliant with the **Payment Card Industry Data Security Standard (PCI DSS) v4.0**. Effective March 31, 2024, this latest version brings changes designed to enhance security, flexibility, and risk management. We have aligned technically, and created a new guide, for the following areas:** - Management of Payment Page Scripts for COPYandPAY; - Detection and Response to Unauthorized Changes; - Enhanced Administrator Compliance; - Upcoming Hashing Requirements. **For more detailed information on how to reach compliance with these requirements using our products, please refer to our [PCI DSS Guide](/pci). eCommerce Payment Providers The format of the **Klarna Payments** API credentials has been updated globally. Now, passwords can be up to 180 characters long, ensuring enhanced security. To keep up with this change, we updated the Klarna Payments integration, supporting the new password length when configured in your Merchant Account. This update is part of our commitment to providing you with the most secure and efficient payment solutions. September 27, 2024 eCommerce Payment Providers **Embrace the future of payments with iOS 18 and COPYandPAY!** With the release of iOS 18, you can use Apple Pay to pay online using third-party browsers on Mac, PC and other devices by scanning a code with your iPhone or iPad. **What’s New:** Customers can now easily initiate Apple Pay from any computer and securely complete payment on their iPhone by scanning a code. When using a third-party browser on Mac or other computers, look for Apple Pay when you check out, then complete your purchase by scanning a code with your iPhone or iPad. **COPYandPAY Integration:** In response to this significant update from Apple, we have optimized COPYandPAY to fully support these new capabilities. For a smooth integration, please follow the guidelines provided on our portal. September 5, 2024 eCommerce Open Payment Platform We are thrilled to announce our **new Transaction Search service** on the Open Payment Platform. This upgrade is set to revolutionize the experience with transaction searches. Here is what is new and improved: - **Fast Search Performance:** our upgraded service slashes search times, ensuring most searches complete in a few seconds.e response in under 10 seconds. - **Extended Search Period:** you can now search transactions from the past 36 months, perfect for validating older sales data and customer information. - **Lightning-Fast ID-Based Searches:** these searches now cover the past 36 months and are nearly instantaneous, offering greater flexibility and speed. - **Improved User Experience:** our service now provides a quick, intermediate view of the first 1,000 transactions within 10 seconds while processing the full search in the background. - **Resolved Time Range Limitation:** the new service standardizes the search period to a maximum of six months across all entities, ensuring immediate results for up to 1,000 transactions. To avoid timeouts and improve efficiency, applying filters and minimizing the search period is recommended. - **Higher Transaction Export Limit:** the default limit has now increased to 10,000 transactions, with the option to configure up to 100,000 transactions if needed. The export process is faster since the CSV or Excel file is now zipped. August 21, 2024 eCommerce Subscriptions We continuously strive to enhance the shopping experience for your customers while keeping the integration process easy for merchants. Now, our platform also supports subscriptions through Apple Pay! This update includes the extended **Apple Pay COPYandPAY widget** and the **iOS mobile SDK**, ensuring seamless integration for merchants. With this feature, merchants can efficiently utilize Apple-generated tokens for managing subscriptions initiated via Apple Pay. eCommerce Payment Providers We are thrilled to announce our new integration with **PayPay Japan**! Japan is a key market for us, and this integration significantly expands our coverage, as PayPay is one of the most popular wallets in the region. For more information, please refer to the [Payment Methods](/payment-methods) page. August 19, 2024 eCommerce Payment Providers Our integration with **Nets** - one of the leading suppliers of payment card solutions in Northern Europe - now supports the Credential on File industry practice for reauthorization for the Dankort Card. eCommerce Payment Providers Our integration with **Trust Payments** now allows you to authorize payments using network token transaction data for Visa and MasterCard networks. August 16, 2024 eCommerce Payment Providers We are rebranding **Wallet Hub** to **Wallets** due to legal requirements. Please start using the new name immediately and avoid the old one. August 8, 2024 eCommerce Payment Providers We are looking at a tremendous growth of subscription business as we have updated our integration with **Rede** to support now Card on File transactions. **Rede**, known as **Redecard**, is a Brazilian multi-brand acquirer for credit, debit and benefit cards. Its activities include, to list a few, merchant acquiring, capturing, transmission, processing and settlement of credit and debit card transactions, prepayment of receivables to merchants and the capture and transmission of transactions using benefit-voucher, private-label cards and loyalty programs such as Multiplus. The company is the largest in its sector in Brazil. For further details, check our [Payment Methods](/payment-methods) page or get in touch with your account manager. eCommerce Payment Providers Our integration with **Processing.com**, the unparalleled expert in provisioning via an extensive acquiring bank network, has received a small update that offers greater flexibility. Until now, passing the customer's first name and last name was only allowed in _card.holder_ parameter (separated by space). We now offer the possibility to send the customer name using the parameters specifically provided for this information: _customer.givenName_ and _customer.surname_. eCommerce Payment Providers We have enhanced our integration with **Givex** for **Wendy's Gift Cards** from **The Wendy's Company**. As an American holding company for the major fast-food chain Wendy’s, The Wendy’s Company encounters same-day cancellations of restaurant orders as a typical scenario. Now, you have the flexibility to tailor your business process by canceling a debit transaction - beyond just issuing a refund, you can also naturally reverse the transaction. July 22, 2024 eCommerce Payment Providers Trustly Azura, the intelligent data engine powering Trustly’s modern digital payments products, has been seamlessly added to our integration with **Trustly**. By enabling the option _Use Azura flow_ in the Merchant Account Configuration, Trustly Azura becomes an integral part of the payment flow. This integration aims to enhance the user experience. eCommerce Payment Providers We have added the Merchant Advice Codes, provided by credit card issuers and payment service providers (PSPs), to our Host-to-Host integration with **Raiffeisen Bank International** (RBI). These codes guide the merchants in dealing declined payment transactions, including whether and when to resubmit a declined transaction. eCommerce Payment Providers We are thrilled to announce that our brand-new integration with the **Worldpay Payment Gateway** (WPG) is now available for all our customers! This addition complements our existing Worldpay Acquiring integration and offers extensive country coverage. It supports both card payments and alternative payment methods (APMs). Moreover, right from the start, it includes support for industry standards and features like Network Tokens, Mobile Wallets, and EMVCo 3DS. For further details, feel free to explore our new [Payment Methods](/payment-methods) page or get in touch with your account manager. July 16, 2024 eCommerce Payment Providers To stay aligned with the latest trends, we have updated our integrations with **CitiBank**, **Chase Stratus**, **Trustpay**, and **Worldpay** to authorize payments using network token transaction data. This enhancement improves payment authorization rates, provides built-in account updater functionality, and minimizes fraud risks. eCommerce Fraud Management We launched an additional added-value service as part of the **Fraud Management solution** that allows country detection based on IPV4/IPV6 addresses. This enables proper BIN dispatching for payments, as well as the export of detected country values for transaction data. eCommerce Payment Providers Our REST integration with **PayPal** was updated to be aligned on the transaction actual status for ORDER\_NOT\_APPROVED transaction types at PayPal. This was achieved by changing the mapping of this transaction type from 800.100.152 to 000.200.000. Additionally, we added support for onCancelRedirect wpwlOption event option. July 8, 2024 eCommerce Payment Providers We optimized the timeouts for our **Ideal 2.0** integration to reduce the creation of open-status Receipts (RCs). This adjustment aims to minimize potential fulfillment issues on the merchant side. eCommerce Payment Providers Our REST integration with **PayPal** now declines transactions with format error response (800.100.156) if the _cart.items\[0\].description_ parameter exceeds 127 characters. To prevent declines due to lengthy descriptions, we have updated the integration to trim the value of _cart.items\[0\].description_ to a maximum of 127 characters. eCommerce Payment Providers Our **SIBS Card** integration now supports Apple Pay and Google Pay, offering faster and more convenient checkout options for customers. For details, please refer to the[Payment Methods](/payment-methods) page. July 3, 2024 eCommerce Payment Providers Mastercard has introduced a fixed value for each processing acquirer and requires now each Gateway Service Provider to send the Merchant Payment Gateway (MPG) ID value for every transaction. We have updated our integrations with **Bank Frick**, **FD Merchant Solutions Australia (BWAMS)**, **Citibank Australia**, **ECP (eMerchantPay)**, **EMS ISO**, **First Data Merchant Solutions (UK)**, **HSBC Global Payments**, **Lloyds**, **Paystrax**, **Trust Payments (Malta) Limited**, and **TrustPay** to include the MPG ID field when handling traffic from our Payment Platform. eCommerce Tokenization The industry is awaiting a big change by processing via scheme tokens. It makes purchases more secure, faster, and cheaper for merchants. We are at the forefront and upgraded our flagship reverse integration **ConnectIn** to allow processing via scheme tokens. eCommerce 3D Secure As part of our commitment to providing top-notch security in our integrations, we have introduced 3D Secure version 2.2 for the **Bancontact** (formerly known as Bancontact/Mister Cash) brand on our Message Passing Interface (MPI). Customers using this Belgian network scheme now benefit from the enhanced security of 3D Secure version 2 authentication, ensuring compliance with the PSD2 regulation. Please note that 3D Secure version 1 will be deprecated by mid-July 2024 and should no longer be used in your configuration. June 27, 2024 eCommerce Tokenization To fully leverage tokenization and enhance the shopping experience, we have extended the One Click Checkout widget in COPYandPAY. This extension now includes an option to hide the **‘Show other payment methods’** button. eCommerce Open Payment Platform We have extended the Open Payment Platform setting for _"Enable Default Credential On File 2.0 Standing Instruction for COPYandPAY"_ to also support shopper-determined tokenization. Previously, this setting only worked with merchant-determined tokenization. June 24, 2024 eCommerce Payment Providers Looking at a tremendously growing subscription business. Our acquirer integration to **Chase Paymentech Orbital** is now ready to Card on File transactions for Diners and Discover, next to other standard schemes like Visa and MasterCard. eCommerce Payment Providers **Raiffeisen Bank International (RBI)**, with its extensive market coverage in Central and Eastern Europe, is now integrated into our services. We are offering an integration with their latest API, which includes standard features such as scheme tokenization and Card on File. For more information, please refer to the [Payment Methods](/payment-methods) page. eCommerce Payment Providers We have enhanced our **Mastercard Payment Gateway Services (MPGS)** integration to support the Malagasy ariary currency (MGA). For MGA transactions, it’s important to send the amount without minor units (or with a minor unit value of .00). eCommerce Payment Providers We have updated our integration with **First Data Compass** to comply with MasterCard mandate AN 5542. This update ensures accurate flagging of Card on File recurring scenarios. For merchants with Recurring Subscription use cases - where subsequent charges occur at the same time interval and with the same amount - it is essential to implement the additional API parameter _standingInstruction.recurringType_ with the value _SUBSCRIPTION_. Without this update, Recurring use cases would be flagged to MasterCard by default as _STANDING\_ORDER_, which is intended for recurring payments within the same time interval but with different amounts. June 10, 2024 eCommerce Payment Providers We have enabled Incremental Authorization for our integration with **Nedbank** via Postilion, specifically covering South Africa and payments in South African Rand (ZAR). This Incremental Authorization functionality is valid for Pre-Authorization, Incremental Authorization, Pre-Authorization partial reversal, and Pre-Authorization completion. June 3, 2024 eCommerce Payment Providers We have updated our integration with **APACS Global Payments** to the latest technical specifications for Card on File Indicators, 3D Secure version mapping, and Gateway identifier sent to the acquirer. May 16, 2024 eCommerce Open Payment Platform The setting previously known as _“Enable Default Credential on File v2.0 Standing Instruction for COPYandPAY”_ has been renamed to _“Auto-populate standingInstruction parameters in OPP request for CIT payments (COPYandPAY or mSDK integrations)”_ within Open Payment Platform. The underlying technical functionality remains unchanged. May 15, 2024 eCommerce Payment Providers We are excited to announce our new integration with **PayPlan by Royal Bank of Canada (RBC)**! This integration covers Canada and enables payments in Canadian Dollar. With PayPlan, you can make larger purchases and pay for them over time, aligning with your monthly budget. For more information, please visit the [Payment Methods](/payment-methods) page. * * * ## See also - [API Reference](/api-reference) - [Payment Methods](/payment-methods) - [Data Retention Policy](/reference/data-retention-policy)