Use Virtual Card Services as Your Store Payment Provider

South Africa's major banks and the State Bank of Mauritius use Virtual Card Services (VCS) as a Payment Service Provider.  To configure VCS as your payment provider, you must first create a VCS account and then activate it as a payment provider for your website. After enabling it, you may begin testing it.

To create an account for Virtual Card Services:

1. Click Client Login on the Paygate site.
2. Select Login under VCS Virtual Terminal.
3. Navigate to Merchant Administration and then VcsInterfacing.
4. Set the permitted and rejected URLs for the merchant to https://app.multiscreenstore.com/vcs/STORE ID (where STORE ID is your Store ID). This is accessible via your Dashboard.
5. Configure HttpMethod to POST.
6. Select Save.
7. Navigate to MerchantAdministration followed by CallbackSettings.
8. Set the permitted and rejected URLs for the merchant to https://app.multiscreenstore.com/vcs/STORE ID (where STORE ID is your Store ID). This is accessible via your Dashboard.
9. Make sure to set CallBackMethod to POST and CallBackProtocol to HTTPS.
10. Set the ResponseFormat property to NameValuePairs.
11. Select Save.
12. Navigate to MerchantAdministration followed by Vcs Interfacing.
13. Enter MerchantPAM (Personal Authentication Message).
14. Send an email to vcssupport@paygate.co.za with your passphrase and VCS Terminal ID, requesting that the Hash Type be set to MD5.

To activate Virtual Card Services for your site:

1. Select eCommerce followed by Manage Store.
2. Choose Payment.
3. Choose VirtualCardServices from the section titled Choose Payment Method.
4. Enter your terminal ID, PAM, and Secret word.
5. Select Save.

Ensure that your Store's currency matches the currency of your VCS account. If not, your payment gateway will not function.

The VCS Test platform is available to new merchants who have been put onto the VCS system. The VCS runs a response generator which generates some fixed but mostly random replies.

During the testing period, any valid credit card number can be sent to the test platform since no actual money is involved. The following responses are generated at random for all other card numbers:  "Invalid Terminal", "Declined", "Invalid Expiry", "Batch Full", "Call", "123456Approved".

Ensure that appropriate testing has been performed prior to requesting activation, since once a terminal has been activated it cannot be reverted to the Test state.