Reply
Member
Posts: 3
Registered: ‎08-21-2018
Accepted Solution

Sharing a Credit Card across multiple merchant accounts?

Our business sells products from multiple suppliers. Each of these suppliers will have their own merchant account, and submitting an order will then create multiple payments, one for each supplier.
 
We'd like a shopper to only have to save their credit card once and use it with many merchants. Customer profile seems like it works within the context of a single merchant but we're wondering if there's a higher level like "merchant network" where cards can be stored across several merchants.
 
Another thought is possibly to create the credit card in each of the merchant accounts but there are many suppliers and what happens when a new supplier is added. It gets tricky. How else might we solve for this? We'd like to use something that makes it easy to be PCI compliant

Accepted Solutions
Solution
Accepted by topic author crhistianr
‎08-21-2018 01:05 PM
Posts: 327
Kudos: 55
Solutions: 35
Registered: ‎03-13-2017

Re: Sharing a Credit Card across multiple merchant accounts?

Hi @crhistianr

 

We are working on a feature called Shared CIM profiles ( vault ) where in one time token can be generated  from a CIM profile to another merchant(MID)  leveraging OAuth for  one time transactions  .  The cards will be only added in the main CIM account only for sharing .

 

I believe this will solve your use case also . 

 

For more details you can reach out to  me  at developer_feedback@authorize.net 

 

Will keep you posted on the updates when it comes out . 


Thanks

Anurag





Send feedback at developer_feedback@authorize.net

View solution in original post


All Replies
Solution
Accepted by topic author crhistianr
‎08-21-2018 01:05 PM
Posts: 327
Kudos: 55
Solutions: 35
Registered: ‎03-13-2017

Re: Sharing a Credit Card across multiple merchant accounts?

Hi @crhistianr

 

We are working on a feature called Shared CIM profiles ( vault ) where in one time token can be generated  from a CIM profile to another merchant(MID)  leveraging OAuth for  one time transactions  .  The cards will be only added in the main CIM account only for sharing .

 

I believe this will solve your use case also . 

 

For more details you can reach out to  me  at developer_feedback@authorize.net 

 

Will keep you posted on the updates when it comes out . 


Thanks

Anurag





Send feedback at developer_feedback@authorize.net
Member
Posts: 3
Registered: ‎08-21-2018

Re: Sharing a Credit Card across multiple merchant accounts?

Anurag,

 

Thank you for your swift reply. 

 

In the meantime it sounds like as a work-around we will not allow users to save their credit cards and instead will be using one-time credit cards for all transactions. 

 

What mechanism do I have for checking that the credit card is valid before submitting it for payment? I was looking at the authOnlyTransaction but I think that is better suited at the time of order submit when I am certain payment amounts won't change. Is there some method I can call to just validate that the card details (number, expiration date etc)

Posts: 327
Kudos: 55
Solutions: 35
Registered: ‎03-13-2017

Re: Sharing a Credit Card across multiple merchant accounts?

Hi @crhistianr

 

You can use the validationMode for it 

 

https://developer.authorize.net/api/reference/index.html#customer-profiles-create-customer-profile

 

validationMode Indicates the processing mode for the request. If the customer profile contains no payment data, this field should not be sent.

String.

Use testMode to perform a Luhn mod-10 check on the card number, without further validation. Use liveMode to submit a zero-dollar or one-cent transaction (depending on card type and processor support) to confirm the card number belongs to an active credit or debit account.
 
 




Send feedback at developer_feedback@authorize.net
Member
Posts: 3
Registered: ‎08-21-2018

Re: Sharing a Credit Card across multiple merchant accounts?

Anurag! You're the best, man. I appreciate you

Highlighted
Posts: 327
Kudos: 55
Solutions: 35
Registered: ‎03-13-2017

Re: Sharing a Credit Card across multiple merchant accounts?

Hi All , 

 

We are inviting interested merchants for early  preview for our Shared CIM feature now . 

 

if interested please email me at developer_feedback@authorize.net 

 

Thanks

Anurag 





Send feedback at developer_feedback@authorize.net