iVeri Lite requires very little integration and is aimed at Internet merchants who have limited technical resources. Lite transactions are processed on a website and secured via an SSL certificate without the merchant having to buy SSL since iVeri Lite takes care of it on their behalf.
Although ideal for websites with small catalogs, Lite still provides a powerful processing engine.
iVeri Lite Process flow
The diagram below illustrates the flow of events of an iVeri Lite transaction:
1. The Card holder’s browser is sent an HTML form via the Merchant's website, where he is prompted to enter transaction details like the billing and shipping details. The card holder is at the point in the purchase process where the basket has already been selected and he is now on the brink of actually paying for it. The web site thus knows the price of the basket, the Invoice Number (AUTOGENERATE, the merchant could also have iVeri BackOffice allocate the Invoice number for them).
2. Once the Submit button has been clicked, the customers browser and captured details are sent to the Gateway verifying that the applicationID is valid, validating the variables i.e. purchase amount is an integer and that all required fields have been populated.
3. The Customers card details are captured on a SSL secured website where after clicking on the Submit button validation will of the entered values i.e. credit card number, expiry date will take place. Once validation has succeeded a “Please wait ......” message is returned to the card holder while the transaction is in process.
4. Authorization is performed at the respective acquiring financial institution/department who will then interact with the issuing financial institution / department.
5. The return of an authorization can either be successful, failed, system error or please try again later. A redirect is sent to the card holders browser telling it which Result URL to display.
6. In the event of a successful / error transaction the card holder as well as the Merchant can be emailed a statement indicating the successful completion of the transaction . All transactions are stored in a database, so it is always possible to trace a transaction in the case of an email failure.
7. A resultant success/error page is returned to the card holder by the merchant to show the transaction type, transaction amount, authorization code, merchant reference and purchase date.