1. OPI Handling
  2. Payment Services Directive Two (PSD2) Handling

4 Payment Services Directive Two (PSD2) Handling

The Payment Services Directive Two (PSD2) enforces payment services providers to implement a strong customer authentication, prohibiting Third-Party Payment Service Providers (TPP) from accessing any other data from the customer payment account beyond those explicitly authorized by the customer. Customers will have to agree on the access, use and processing of these data.

Configuring PSD2

  1. Log in to the OHC OPI Manager module.

  2. Select Configuration tab and go to the Parameter options

  3. At the parameter Payment Service Regulation, you must set the parameter value to PSD2, and the value is case sensitive.

    • PSD2: Uses PSD2 legislation for authentication processes.

    • Blank/ other value: Uses standard workflow without specifying the payment service regulation

      Note:

      To use PSD2,

      • you must enable the parameter Enable Online Initial Authorization

      • the Offline Token and Tokenize Existing Credit card tabs will be disabled.

  4. In the Configuration tab, Schema Mapping, click the ‘Get/ Update Schema From OPI’ to update the schema.

  5. Once the schema update completes, click CpAuthor, CpSettl, CancelRequest, and make sure the below fields are configured correctly per the below tables.

    Table 4-1 CpAuthor

    Field Name SPMS Field Name Condition Constant Value Enabled Mandatory Direction

    CardId

    CRD_TOKEN

    ANSWERSTAT = 'OK'

    		  

    True

    True

    In

    CreditcardNum

    CRD_NO

    ANSWERSTAT = 'OK'

    		  

    True

    True

    In

    ExpyDate

    CRD_EXP

    ANSWERSTAT = 'OK'

    		  

    True

    True

    In

    PaymentMethod

    CCA_PAYMENTMETHOD

    ANSWERSTAT = 'OK'

    		  

    True

    True

    In

    PaymentMethod

    CCA_PAYMENTMETHOD

    		  

    InitTrx:0|Cit:|Moto:0|Vcc:0

    True

    True

    Out

    Table 4-2 CpSettl

    Field Name SPMS Field Name Condition Constant Value Enabled Mandatory Direction

    PaymentMethod

    CCT_PAYMENTMETHOD

    ANSWERSTAT = 'OK'

    		  

    True

    True

    In

    PaymentMethod

    CCA_PAYMENTMETHOD

    		    

    True

    True

    Out

    Table 4-3 CancelRequest

    Field Name SPMS Field Name Condition Constant Value Enabled Mandatory Direction

    PaymentMethod

    CANCELREQUEST_PAYMENTMETHOD

    		    

    True

    True

    Out

    Table 4-4 CpPayOnly (Optional)

    Field Name SPMS Field Name Condition Constant Value Enabled Mandatory Direction

    PaymentMethod

    CCA_PAYMENTMETHOD

    		    

    True

    True

    In

OPI Daemon Tools

  1. Launch the OPIDaemon Tools and to make sure the Payment Service Regulation is set to PSD2.

    Note:

    You need to set the same at the client(s) running the OPIDaemon services

  2. To complete the configuration and to be able to use the PSD2, you must

    1. restart the OPI Web Service and OPIDaemon services

    2. relaunch the OHC Launch Panel and other modules