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Autopilot - Accept Non-Stop Payments - Webrazzi Fintech'22

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Autopilot - Accept Non-Stop Payments - Webrazzi Fintech'22

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Autopilot: Accept Non-Stop Payments
Tips & best practices of how to accept payments online by Craftgate.

Meet the Autopilot Feature That Will Provide You Get Non-Stop Payments!

You will continue to receive payments even if any bank, payment service provider, or e-money institution experiences a service downtime. Thus, neither your business nor your customers will be affected by the downtime of the systems from which you receive payment! Sit back and enjoy a frictionless payment experience with Autopilot.

Autopilot: Accept Non-Stop Payments
Tips & best practices of how to accept payments online by Craftgate.

Meet the Autopilot Feature That Will Provide You Get Non-Stop Payments!

You will continue to receive payments even if any bank, payment service provider, or e-money institution experiences a service downtime. Thus, neither your business nor your customers will be affected by the downtime of the systems from which you receive payment! Sit back and enjoy a frictionless payment experience with Autopilot.

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Autopilot - Accept Non-Stop Payments - Webrazzi Fintech'22

  1. 1. Webrazzi Fintech 2022 Dec 14, 2022, Wyndham Grand Levent, İstanbul Autopilot: Accept Non-Stop Payments @hakanerdogan
  2. 2. Quick Background: 6th Generation Payment Platform : 2007-2012, developed from scratch : 2010-2011, developed with 6 people from scratch : 2014-2018, built the team, developed & scaled from scratch Craftgate - 'One-Stop Shop' Payment Gateway 3
  3. 3. Quick Background: 6th Generation Payment Platform : 2020 – 4th generation payment platform : 2020 – 5th generation e-money institution platform : 2020 – 6th generation, last and the best platform ever Craftgate - 'One-Stop Shop' Payment Gateway 4
  4. 4. Craftgate - 'One-Stop Shop' Payment Gateway 5
  5. 5. Before Autopilot: Optimization Layers Craftgate - 'One-Stop Shop' Payment Gateway 6 Syntactic & Semantic Validations BIN/IIN Records Smart & Dynamic Routing Classification of Payment Errors Retry Mechanism Uptime Proactive Monitoring Autopilot
  6. 6. Craftgate - 'One-Stop Shop' Payment Gateway 7 1- Syntactic & Semantic Validations • Card Number o Numeric o Amex  15 characters o Visa, MC, TROY,…  16 characters o Luhn Algorithm validation • Expire Year / Month o September / 2027  09 / 27 o August / 2024  08 / 24 • CVC o Numeric o Amex  4 characters, in front of the card o Visa, MC, TROY,…  3 characters, at the back of the card
  7. 7. Craftgate - 'One-Stop Shop' Payment Gateway 8 1- Syntactic & Semantic Validations • Debit Card o Installments ? o Force 3D Secure payments • BIN / IIN Control o Know the card o Route to the appropriate POS
  8. 8. Craftgate - 'One-Stop Shop' Payment Gateway 9 2- BIN/IIN Records https://developer.craftgate.io/api/taksit-ve-bin-sorgulama/bin-sorgulama
  9. 9. Craftgate - 'One-Stop Shop' Payment Gateway 10 3- Smart & Dynamic Routing Merchant’s Online Store • Onus vs Lowest Costs • Cross-Cutting Card Brands o e.g. BonusNet  13 banks • Card Associations o e.g. Amex or JCB processing POS ? • Uptime, Response Time & Efficiency • …
  10. 10. Craftgate - 'One-Stop Shop' Payment Gateway 11 4- Classification of Payment Errors 51-Limit Yetersiz Limit Yetersiz.-CRD-51-Red - Yetersiz Bakiye Limit Yetersiz.-[RC 51] Red Yetersiz Bakiye - Insufficiant Funds İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-Hesap musait degil. İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-MUSTERI SATIS LIMITI YETERSIZ İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-YETERSIZ BAKIYE VEYA KREDI LIM Limit Yetersiz 51 Limit Yetersiz(POWERCURVE RED. MUSTERI/KART GECIKMEDE VEYA MUSTERI/KART LIMIT ASIMINDA.) (0051) Limit Yetersiz.-051 YETERSIZ BAKIYE 51 Limit Yetersiz (0051) 51 Limit Yetersiz. Limit Yetersiz.-CRD-51-Bakiye Yetersiz İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-KART SATIS LIMITI YETERSIZ Red-Yetersiz Bakiye Limit Yetersiz(Insufficient funds) İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-SHADOW LIM. KULL. SAYI ASILDI. İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-Insufficient funds 51 Başarısız. Limit Yetersiz 51 Başarısız. <br />Bakiyesi-Kredi limiti Yetersiz 51 RED- KART LİMİTİ YETERSİZ Limit Yetersiz(Kart Limit Aşımı.) RED- KART LİMİTİ YETERSİZ 51 Başarısız. Limit Yetersiz<br />Limit Yetersiz. 51 Failed Limit Yetersiz 51 Limit Yetersiz(Kart Overlimit izni Yok. Limit yetersiz) (0051) RED-YETERSIZ BAKIYE 0051 -Kartin bakiyesi yetersiz. Karti veren bankayi arayin..[RED- KART LİMİTİ YETERSİZ ] 51 Başarısız. LIMIT YETERSIZ<br /><br />RED- KART LÄ°MÄ°TÄ° YETERSÄ°Z 51 Limit Yetersiz(Kart Limit Aşımı.) (0051) 51 Limit Yetersiz(Kart Limiti 0) (0051) 51 Limit Yetersiz(Bireysel/ticari ortak kullanılabilir limit yetersiz) (0051) Kart limiti yetersiz, yetersiz bakiye 51 Failed, Limit Yetersiz Limit Yetersiz(Kart Limiti 0) 51 Başarısız. 0051 Limit Yetersiz Limit Yetersiz(POWERCURVE RED. MUSTERI/KART GECIKMEDE VEYA MUSTERI/KART LIMIT ASIMINDA.) 51 Limit Yetersiz(Şirket kart overlimit izni yok.) (0051) İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-GOLGE LMT KULLANMAZ,GECIKMELI. 12 Başarısız. <br />Geçersiz İşlem 12 Başarısız. 0012 Geçersiz Islem 12 Başarısız. Geçersiz İşlem. Kartın bonus özelliği olmadığı için taksitli işlem yapılamıyor. 12 Başarısız. Geçersiz İşlem<br /><br />RED-GECERSIZ Ä°Åž LEM 12 Başarısız. Geçersiz İşlem<br />Gecersiz Transaction. 12 Failed, Geçersiz Islem 12-Geçersiz İşlem 12 Geçersiz Islem (0012) 12 Gecersiz islem0 12 Gecersiz Transaction. 12 RED-GECERSIZ İŞLEM Declined, Gecersiz Transaction. Failed, Geçersiz İşlem Geçersiz işlem Gecersiz Transaction.- Gecersiz Transaction.-[RC 12] Red Geçersiz İşlem - Invalid Transaction Gecersiz Transaction.-012 RED-GCRSIZ ISLEM Güvenlik kodu (CVV2/CVC2) bilgisini yanlış girdiniz. Lütfen bilgilerinizi kontrol edip tekrar deneyiniz. Hatalı/geçersiz işlem. İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-BIN Statusu Aktif Degil İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-BIN tanimi bulunamadi. İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-CVC2/4CSC HATALI İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-CVC2/4CSC HATALI,MAX SAYI İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-CVC2/4CSC HATALI,MAX SAYI ASTI İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-CVV/CVC/4CSC HATALI. İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-CVV2 HATASI İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-CVV HATASI İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-Gecersiz islem. İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-Invalid transaction İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-MAKSIMUM CVV2 HATASI İşleminizi gerçekleştiremiyoruz.Tekrar deneyiniz-MAKSIMUM CVV HATASI RED-GECERSIZ İŞLEM Terminalin Bu işlem Tipi İçin Yetkisi Yok 51 – Not Sufficient Funds 12 – Invalid Transactions
  11. 11. Craftgate - 'One-Stop Shop' Payment Gateway 12 4- Classification of Payment Errors Error Code Error Group Keywords Order
  12. 12. Craftgate - 'One-Stop Shop' Payment Gateway 13 5- Retry Mechanism 1. DO_NOT_HONOUR 2. INVALID_TRANSACTION 3. NOT_PERMITTED_TO_CARDHOLDER 4. DECLINED 5. NOT_PERMITTED_TO_TERMINAL 6. EXCEEDS_WITHDRAWAL_AMOUNT_LIMIT 7. ISSUER_OR_SWITCH_INOPERATIVE 8. COMMUNICATION_OR_SYSTEM_ERROR Oct’22 Retried Transactions Saved Transactions by Retry Mechanism Count 18,065 8,035 44.48% Amount 11,725,761.93 TL 4,084,874.08 TL 34.84%
  13. 13. Craftgate - 'One-Stop Shop' Payment Gateway 14 6- Uptime https://status.craftgate.io PingTurk Monthly Report November’22 Craftgate Services - Uptime
  14. 14. Craftgate - 'One-Stop Shop' Payment Gateway 15 6- Uptime PingTurk Monthly Report – September’22 PingTurk Monthly Report – October’22
  15. 15. Craftgate - 'One-Stop Shop' Payment Gateway 16 7- Proactive Monitoring: Statistical Analysis on YOUR Data
  16. 16. Craftgate - 'One-Stop Shop' Payment Gateway 17 7- Proactive Monitoring: Statistical Analysis on YOUR Data
  17. 17. 1- The Pledge 2- The Turn 3- The Prestige
  18. 18. Autopilot: Accept Non-Stop Payments Craftgate - 'One-Stop Shop' Payment Gateway 19
  19. 19. Craftgate - 'One-Stop Shop' Payment Gateway 20 Autopilot: Accept Non-Stop Payments 1- DETECTION: challenge  100% precision 1.1. External Uptime Monitoring 1.2. Payment Response – Error Code Analysis 1.3. Payment Response Time Analysis 1.4. Success Rate Analysis 1.5. Threshold Analysis and Score Optimization
  20. 20. Craftgate - 'One-Stop Shop' Payment Gateway 21 Autopilot: Accept Non-Stop Payments 2- REDIRECTION: challenge  all traffic or only targeted traffic ? 2.1. 3DS vs Non-3DS 2.2. Determine the Most Efficient & Low-Cost Alternative 2.3. Consider Merchants’ Preferences
  21. 21. Craftgate - 'One-Stop Shop' Payment Gateway 22 Autopilot: Accept Non-Stop Payments 3- FALLBACK: challenge  is it really up ? 3.1. Consider External Monitoring Notifications 3.2. Test, Inspect & Adapt
  22. 22. Craftgate - 'One-Stop Shop' Payment Gateway 23 Autopilot: Accept Non-Stop Payments
  23. 23. Craftgate - 'One-Stop Shop' Payment Gateway 24 Autopilot: Accept Non-Stop Payments
  24. 24. Craftgate - 'One-Stop Shop' Payment Gateway 25 Autopilot: Accept Non-Stop Payments
  25. 25. Craftgate - 'One-Stop Shop' Payment Gateway 26 Autopilot
  26. 26. Craftgate - 'One-Stop Shop' Payment Gateway 27 Autopilot
  27. 27. Craftgate - 'One-Stop Shop' Payment Gateway 28 ‘‘One-stop Shop’’ Payment Gateway
  28. 28. info@craftgate.io hakan@craftgate.io murathan@craftgate.io Yıldız Teknoloji Geliştirme Bölgesi, Çifte Havuzlar Mah. Eski Londra Asfaltı Cad. Blok: A1 Blok Kapı No: 1B43 Esenler/İstanbul ‘‘One-stop Shop’’ Payment Gateway

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