Introduction

No payment integration is too complex.

Credentials

Across all Cardknox products we use a key (xKey) to identify on what account to process a specific transaction. Each Cardknox product doc will guide you where to set the xKey (for example: in the body of the request along with all other parameters, in the request header as “Authorization”, in the app settings etc.). You will have a unique xKey for sandbox and production accounts.

Best practices

  • Transaction response Transaction responses contain valuable information that you can utilize. The most important one is xResult; this will inform your system if the transaction was approved or declined. xAuthAmount will indicate how much was actually authorized by the bank, so it is a good idea to make sure that it matches the requested amount. By default, transactions will only approve for the full amount. If the full amount is not available, the transaction will be declined. Every transaction will receive a unique xRefnum that is used to identify this unique transaction. It is helpful during troubleshooting and is also used in case of a follow-up transaction (void refund, etc.). It is a good idea to display this xRefNum to the user and add it to receipts. You can find a full list of available response parameters here.

  • Declines When a payment fails, you will get a xResult of D or E. Typically, you would simply want to display the failure notification to the user and show them the xError in the response that may, at times, contain helpful information to identify the reason for the decline. You can choose to allow the user to try another card. There is no need to handle different error messages or error codes specifically.

  • Duplicates It is a good idea to pass in a unique xInvoice with each transaction that is sent for processing so Cardknox can try to catch unintentional duplicate payments. You can also give the user an option to intentionally process a duplicate payment by incrementing the invoice number or adding xAllowDuplicate=true to the transaction request. You can see more about duplicate payment handling here.

Vendor Settings (optional)

A Vendor ID is a unique identifier associated with your vendor account. This feature is useful when you will be processing payments across multiple Cardknox accounts. It allows for specific settings to be configured on your vendor account, and these settings will be applied on transactions that include your Vendor ID in the transaction request. When using this feature, It is optimal to include your vendor ID across all transactions that you process on the Cardknox gateway.

Setup

Our support team can enable your vendor account and provide you with the ID.

Usage

To use Vendor settings, include the xVendorID = {yourvendorid} in the transactions request.

Features/Benefits

iFields key: Use a single iFields key across all your accounts.

Tokenization: Tokens can be used across accounts.

Licenses: Unlimited device licenses

Tokenization

Tokenization is the process of replacing sensitive payment data with a non-sensitive algorithm-generated string called a token (xToken). Each time you send a card or bank account number with a transaction, the response will include a token represented by xToken.

As a merchant’s PCI-compliance scope significantly increases when storing sensitive data, the best practice is to store the token in your database rather than sensitive data. You use the token for follow-up transactions.

With this approach, sensitive data will not be at risk if a data breach occurs on your local system.

Cardknox references the payment information on our servers associated with the token sent and processes the transaction. A new token will be returned on every new transaction processed.

You can reuse the original token multiple times. However, you should use the new returned token in the following scenarios:

  • If the card has a new expiration date.

  • If a response flag indicates, the card was updated/modified.

A token only stores the data sent with a transaction that is necessary to process future transactions. Tokens store the expiration date, street address, and zip code for credit card transactions. Tokens do not store customer information, such as billing or contact information, other than street address and ZIP codes, sometimes required for validation by Address Verification System (AVS).

Cardknox servers will never store the 3 or 4 digit CVV number as per PCI regulations and, in extension, is not associated with tokens.

Only when a cardholder is processing an initial transaction, with a physical card in hand, is CVV data used.

Tokens can be used only on the account it was generated on unless linked to another account via cross tokenization

You can request account linking for tokenization via Support.

The best practice is to generate tokens on one account and link all other accounts to your first account instead of generating tokens for each.

To generate a token for a payment method without processing a transaction, use the save command.

  • For credit card transactions: cc:save.

  • For check transactions: check:save.

Duplicate Handling

The Cardknox Gateway automatically blocks a transaction considered a “duplicate” of another transaction based on certain identifying features and if the transactions are within 10 minutes (default timeframe) of each other. The transaction will error with a message of: Duplicate Transaction

Identifying Features:

  • Key

  • Credit Card Number

  • Transaction Amount

  • Invoice Number

  • Check Account Number

  • Check Routing Number

You can allow the transaction to go through by changing any of the above. Alternatively, you can pass through "xAllowDuplicate = True" in the transaction request.

You can set xDuplicateWindow with the number of minutes on a transaction request to override the default 10-minute timeframe of the duplicate checker.

By default, you can set it up to 1440 (24 Hours) max. Your account can be set to allow up to 43200 (30 Days) via Support.

Batches

Each day, batch files capture all of your transactions.

Cardknox automatically “batches out” once the batch cutoff time is reached (determined by the processing bank) and sends the related transactions to the bank for settlement. A batch report is available in the Cardknox Merchant Portal.

Response Parameters

Transactions that are submitted to the Cardknox API will return a response with one or more of the fields below. Below are the standard parameters and their values. The field names in parentheses are the fileds for the reporting API.

Field Name

Description

Sample values

xResult (xGatewayResult)

Single character code indicating if the transaction was Approved or not. A = Approved E = Error D = Declined

A E D

xStatus (xResponseResult)

Verbiage indicating if the transaction was approved or not.

Approved Error Declined

xError (xResponseError)

Error message, if applicable

See error code

xErrorCode

Error code

Most common error codes: 00000 = Approved 01332 = Duplicate Transaction 1334 = Declined Transaction 01479 = Invalid Card

See All Error Codes

xRefNum

Cardknox transaction reference number Note: xRefnum is always returned regardless of the outcome of the transaction Note: xRefnum can be a 64-bit number and should be stored as BIGINT, Long, Int64 or String

xInvoice

Invoice number

xExp

The card expiration number

xAuthCode (xResponseAuthCode)

Authorization code, for approved transactions only

xBatch (xResponseBatch)

Batch into which the transaction will settle

xAvsResultCode (xResponseAVSCode)

The Address Verification Service (AVS) response code

YYY = Address: Match & 5 Digit Zip: Match NYZ = Address: No Match & 5 Digit Zip: Match YNA = Address: Match & 5 Digit Zip: No Match NNN = Address: No Match & 5 Digit Zip: No Match XXU = Address Information not verified for domestic transaction YYX = Address: Match & 9 Digit Zip: Match NYW = Address: No Match & 9 Digit Zip: Match XXR = Retry / System Unavailable XXS = Service Not Supported XXW = Card Number Not On File XXE = Address Verification Not Allowed For Card Type XXG = Global Non-AVS participant YYG = International Address: Match & Zip: Not Compatible GGG = International Address: Match & Zip: Match YGG = International Address: Not Compatible & Zip: Match

Alternative Responses

AvsResultCodexAvsResultYAddress: Match & 5 Digit Zip: MatchZNo Match & 5 Digit Zip: MatchAAddress: Match & 5 Digit Zip: No MatchNAddress: No Match & 5 Digit Zip: No MatchXAddress: Match & 9 Digit Zip: MatchWAddress: No Match & 9 Digit Zip: MatchRRetry / System UnavailableSService Not Supported

xAvsResult

AVS verbiage

See AVS result code

xCvvResultCode (xResponseCVVCode)

Card code verification (CCV) response code

M = Match N = No Match P = Not Processed S = Should be on card, but not so indicated U = Issuer Not Certified X = No Response from Association

xCvvResult

CVV verbiage

See CVV result code

xAuthAmount (xAmount)

The total amount authorized, inclusive of tax and tip (if applicable)

xMaskedCardNumber

A masked version of the credit card used for the transaction

xCardType

Type of credit card used for the transaction

Unknown EBT GiftCard Amex Visa MasterCard Discover Diners JCB DonorsFund OJC Pledger

xName

Name of cardholder

John

xToken

Token returned for use with future transaction

gh3hpn46mp0g785915gn7h79q502976n

xCurrency

Currency that the transaction was processed in

USD

xEntryMethod

Transaction method

Keyed EMV Swipe

xDate

Date and time the transaction was processed

1/1/2020 10:00:00 AM

xRefnumCurrent

Current reference number

Used for troubleshooting purposes only. Returned when using a command that modifies an existing transaction, such as cc:void, cc:capture, or cc:adjust.

xReviewed

This will be returned only if account is configured to return this response field.

Y = Transaction was authenticated by 3ds. If authentication was submitted to the bank, the merchant will have chargeback protection.

P = Transaction was authenticated by 3ds. If authentication was submitted to the bank, the merchant may not have chargeback protection.

N =Transaction was not able to achieve 3ds authentication. If authentication was submitted to the bank, the merchant may not have chargeback protection.

F = The 3ds authentication process completed but the bank response indicated that the results were invalid. The merchant will not have fraud chargeback protection.

x3dsSubmitted

This indicates if the bank request included 3ds data elements.

1 = The bank request included 3ds data elements.

(xStatus)

The ACH status that you receive in webhooks

0 (Pending)

20 (Rejected)

5 (Cancelled)

6 (Awaiting Response)

14 (Chargeback)

16 (Settled)

18 (Returned)

19 (Hold)

Sandbox Account Testing Info and Triggers

A sandbox account is used to simulate transactions as if it is in production. It is designed to act exactly like a production account. However, there can sometimes be unique account setups where the production account won't match the sandbox account exactly to a T. Therefore, we recommend that you do all your testing in the sandbox account and then doing one final test when going live and swapping out your sandbox key with your production key.

Credit Card and Account Numbers

You can use any valid card number to submit transactions while using a sandbox account. The card will not actually be charged as long as you are using your sandbox key. To avoid your system unintentionally going live while still configured with your sandbox credentials, transactions in the sandbox account are limited to $10. You can bypass that limit by using the below numbers.

Card TypeCard Number

Visa

4444333322221111

Visa

4111111111111111

Mastercard

5454545454545454

Discover

6011208703331119

American Express

370276000431054

EBT

6004861944321111844

Pledger

6599973548556861

DonorsFund

6599993776775348

OJC

6900664467242419

Triggers

xName

Response

Decline

Declined

xStreet

xZip

AvsResultCode

xAvsResult

111

11111

YYY

Address: Match & 5 Digit Zip: Match

999

99999

NNN

Address: No Match & 5 Digit Zip: No Match

111

111111111

YYX

Address: Match & 9 Digit Zip: Match

111

99999

YNA

Address: Match & 5 Digit Zip: No Match

999

111111111

NYW

Address: No Match & 9 Digit Zip: Match

999

11111

NYZ

Address: No Match & 5 Digit Zip: Match

888

88888

XXR

Retry / System Unavailable

777

77777

XXU

Address Information not verified for domestic transaction

666

66666

XXS

Service Not Supported

The Cardknox gateway does not require developers to go through a certification process. We do provide a process to self-certify if developers choose to do so. You can download the Cardknox Self-certification Guide.

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