Introduction
No payment integration is too complex.
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.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
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.
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 TransactionIdentifying 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.
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.
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 |
xRefNum | Cardknox transaction reference number
Note: xRefnum is always returned regardless of the outcome of the transaction | |
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 |
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 numbe | Used for troubleshooting purposes only. Returned when using a command that modifies an existing transaction, such as cc:void, cc:capture, or cc:adjust. |
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.
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.
Credit Card
Check (ACH)
Card Type | Card Number |
|---|---|
Visa | 4444333322221111 |
Visa | 4111111111111111 |
Mastercard | 5454545454545454 |
Discover | 6011208703331119 |
American Express | 370276000431054 |
Account Number | Routing Number |
|---|---|
999999999 | 021000021 (any valid routing number) |
Declined Transaction
Partial Auth
Delay/Timeout
CVV Responses
xName | Response |
Decline | Declined |
(AllowPartialAuth must be set to True)
xAmount | AuthAmount |
7.5 | 1.5 |
7.23 | 1.23 |
xAmount | Behavior | Response |
|---|---|---|
7.31 | Response delayed 30 seconds | Try Again |
7.32 | Response delayed 30 seconds | Try Again |
7.29 | Response delayed 30 seconds | Approved |
xDescription | Behavior | Response |
Delay | Response delayed 30 seconds | Approved |
Timeout | Response delayed 30 seconds | Try Again |
Timeout_Extended | Response delayed 120 seconds | Try Again |
xCVV | CVV Result | CVV Result Code |
| | |
123 | M | Match |
1234 | M | Match |
111 | M | Match |
1111 | M | Match |
222 | N | No Match |
2222 | N | No Match |
555 | P | Not Processed |
444 | S | Should be on card, but not so indicated |
8888 | U | Issuer Not Certified |
7777 | X | No Response from Association |
AVS Responses
Alternative AVS Responses
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 |
AvsResultCode | xAvsResult |
Y | Address: Match & 5 Digit Zip: Match |
Z | No Match & 5 Digit Zip: Match |
A | Address: Match & 5 Digit Zip: No Match |
N | Address: No Match & 5 Digit Zip: No Match |
X | Address: Match & 9 Digit Zip: Match |
W | Address: No Match & 9 Digit Zip: Match |
R | Retry / System Unavailable |
S | 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.
Last modified 3mo ago