Tech specs & key features
Whether you need a detailed integration guide or to learn about our extensive security features, here's where to check.
Need a Tech Spec guide?
There are two main methods of integration available: Hosted Forms and Direct Integration.
If you'd like a detailed Tech Spec document on either of these methods, please get in touch
Hosted Forms are the simplest way to integrate with morphpay. With the Hosted Form method, your customer is passed to the morphpay gateway where they then enter their card details and receive a response for the transaction, before being redirected back to your website. In this scenario, no secure certificate is necessary and the user experience is similar to direct integration. Our standard Hosted Form carries minimal branding so as not to detract from your own branding. If you prefer, it can be customised with a branded header and footer for your company (a quote for a customised Hosted Form is available upon request).
Direct Integration is more complex than the Hosted Forms method, but it does mean that the entire shopping process can occur within your website, providing a seamless experience for your customers. With Direct Integration, your website (complete with secure certificate) captures the user’s personal and credit card details and then forwards these behind the scenes to the secure morphpay gateway. morphpay then performs any necessary fraud and security checks, clears the payment with the acquiring bank and sends a response back to your website, which then delivers a formatted response back to the customer. As a white label payment gateway Partner, the direct integration is fully branded as your own; sits on your URL with your logo and branding; and provides your website with your own test credentials (a quote for website development work for Direct Integration is available upon request).
Key morphpay Security Features
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All Major Card Types
morphpay's payment gateway accepts and processes all major card types.
In a global marketplace with increasing cross-border spend from tourism and online transactions, it is important to offer end merchants the ability to accept all major card types. By providing global cardholders with the flexibility to pay with their preferred card, end merchants will have more opportunities to increase payment conversions.
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Security Checks and 3D Secure
morphpay offers Card Security Code (also known as CV2, CVV, CSC) checks, as well as Address Verification System checks (AVS) to strengthen the transaction when the cardholder is using a card that they have the right to use.
morphpay also recommends the use of 3D Secure (Verified by Visa (VBV) and MasterCard SecureCode MSC), again to strengthen the transaction’s security. morphpay can offer 3D Secure with every eCommerce Merchant Account using the Payment Gateway.
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Fraud Prevention
Fraud is the UK’s greatest threat to payment security, often being used to finance further crime. It can also have a damaging effect on your business.
morphpay's fraud prevention solutions help in preventing card transaction fraud from ever taking place. Our in-house Velocity Checking and various country and card blocking technologies allow you to have complete control over the traffic through your gateway.
You can focus on growing your business: we take care of security. morphpay also integrates with specialist third party fraud management solutions to enhance your fraud prevention tools further.
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Chargeback Reporting
morphpay ensures that your finger is constantly on the pulse of your transaction processing.
Never miss a chargeback using our in-built chargeback reporting software within the Merchant Management System (MMS). morphpay's chargeback reporting system quickly identifies and notifies a merchant of any chargebacks so that they can quickly respond to alerts and disputes.
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Velocity checking
A comprehensive fraud monitoring and prevention system is built into the payment gateway and managed within the Merchant Management System. It is used to protect merchants and minimise fraud by enabling them to set transaction frequency limits and card usage within a specific timeframe.
Payment transactions are reviewed for repeating patterns within a defined period of time. The check can be performed based on various sets of data, such as number of transactions or value of transactions over a given time period. There are two different responses that the gateway can present: a soft limit will notify the merchant by email that a threshold has been met; a hard limit which will fail a transaction if the threshold is met.
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DDoS mitigation
A DDoS (Distributed Denial of Service) attack is an attempt to make an online service unavailable by flooding the bandwidth of a web server with huge amounts of traffic. DDoS attacks are becoming more prevalent in the news, with many high profile websites disrupted by these attacks.
morphpay has partnered with a leading cloud-based DDoS mitigation solution provider that provides with an enterprise level global solution, offering 365, 24/7 protection against the largest DDoS attacks. This provides you with absolute peace of mind that, no matter the security issue, your payment flow is unaffected.
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Recurring transactions with Tokenisation
With every transaction that passes successfully through the morphpay Payment Gateway, the system raises a Cross Reference (sometimes known as a Token). These Cross References can be used in lieu of card details for the purpose of repeat or recurring payments, as well as refunds based upon an existing payment. The Cross Reference will allow transactions to be processed for the same or more or less than the original amount, giving you full flexibility to run subscription, membership or any kind of recurring payments business.
Some businesses use this service as a PCI DSS compliant Card Storage facility, too. This is entirely possible and can be used by processing a full transaction or pre-auth. If you require any further information, please contact us. As an added benefit, morphpay does not charge for the use of these Cross References, Tokens or Card Storage.
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Secure Virtual Terminal
The Virtual Terminal has been designed for merchants to use with ease when taking mail order or secure telephone payments. The secure environment allows a user to process credit and debit card payments, as well as refund transactions, all in real time. MMS users are able to operate the system under different permissions.
This is an ideal solution for call centres, sales clerks and larger organisations who wish to restrict the ability to view transaction information or process refunds. The Virtual Terminal is a web-based portal and can be easily accessed through a desktop, tablet or mobile device.
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Pay Button
The Pay Button function gives the merchant the ability to create an HTML link that can be embedded into HTML content (eg a website or HTML website). When clicked, it will allow a payment to be taken via the hosted form that will be pre-populated with the data specified when creating the link within the Merchant Management System.
A QR code can also be generated using this method.
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Receipts
morphpay provides you with the ability to collect a receipt for any transactions you process. The receipts contain details of the sale, such as the address information of the cardholder, the cross reference number, and the acquiring and issuing bank.
morphpay gives you all the information you need to manage a sale.