Smartpay Checkout (ePDQ) Functionality Matrix
1. Back Office functionality
| Functionality | Associated Collateral | Price |
|---|---|---|
| Online Back Office - A portal to login to the Payment Gateway and use your account | Getting Started Guide | Included as standard |
| Optional Two Factor Authentication (2FA) login - an extra layer of protection used to ensure the security of accounts beyond just a username and password | Use Your Account Guide | Included as standard |
| User Management with up to 50 users as standard, multiple profile types to suit all roles - Offer full control over user access to ePDQ | User Management Guide | Included as standard |
| Additional Users (up to 100) | Use Your Account Guide | £100 activation fee |
| Additional Users (up to 200) | Use Your Account Guide | £200 activation fee |
| Additional Users (up to 500) | Use Your Account Guide | £500 activation fee |
| Optional IP Address Login Access Restrictions – Provides control of user access by IP addresses. | User Management Guide | Included as standard |
| Virtual Terminal - For processing Mail order/ Telephone order (Moto) transactions | Virtual Terminal Guide | Included as standard |
| Virtual Terminal usage via Hosted Payment page (on request/ scenario dependent) | Hosted Payment Page Guide | Included as standard |
| Transaction Confirmation Emails - Automated emails for cardholders and merchants | Virtual Terminal Guide | Included as standard |
| Back office transaction maintenance (full/ partial cancellations and refunds) | Maintain Your Transactions Guide | Included as standard |
| Back office and downloadable transaction and reconciliation reports | Generate Reports Guide | Included as standard |
| Push reports - Automated reports sent daily via email (up to 3 per day by default) | Generate Reports Guide | Included as standard |
| Up to 5 separate Push reports per day (Additional Option) | Use Your Account Guide | £10 per month |
| Up to 10 separate Push reports per day (Additional Option) | Use Your Account Guide | £20 per month |
| Authorise and capture of sales manually in two steps, or automated authorisation and capture process in one step | Activation Steps Guide | Included as standard |
| Cancellation of transactions before settlement cut off with reversal of held funds (where available) | Maintain Your Transactions Guide | Included as standard |
| Multi language back office | Use Your Account Guide | Included as standard |
| Full back office audit trail - Logging all actions against individual users | User Management Guide | Included as standard |
| Separate test and live accounts - Allows ongoing testing while live | Test Account Guide | Included as standard |
| Trial/ Sandbox account - Try before you buy | Quick Start Trial (Sandbox) Account Guide | n/a |
| Group Manager - Link all of your accounts under one group login (on request/ scenario dependent) | Group Manager Guide | £500 |
| Manual Batch File Upload - Submit transaction files in the back office for batch processing (Additional Option) | Batch Guide | £25 per month |
| Stand-alone refunds via the back office portal - Process new refunds not linked to the original transaction (on request / scenario dependent) | Please contact ePDQ Support for guidance | n/a |
2. Integration
| Functionality | Associated Collateral | Price |
|---|---|---|
| Hosted Payment Page integration - Browser redirection to a payment page hosted by Barclays for Ecommerce transactions | Hosted Payment Page Guide | Included as standard |
| Pay By Link integration - Redirect cardholders to the hosted payment page via a link (e.g. within an email). | Hosted Payment Page Guide | Included as standard |
| Customisable Hosted Payment Page templates with logo hosting - Control the look and feel of the hosted payment page, in-line with your website. | Hosted Payment Page Guide | Included as standard |
| Responsive Payment Page Template - Renders the hosted payment page based on the device on which is it viewed for the best cardholder experience | Hosted Payment Page Guide | Included as standard |
| Hosted iFrame - Display the hosed payment page within a page hosted on your website | Hosted Payment Page Guide | Included as standard |
| Multi Language Hosted Payment Page - Display the hosted payment page in the cardholders native language per transaction | Hosted Payment Page Guide | Included as standard |
| HTTP Server to Server Transaction Feedback - Receive transaction feedback for each transaction to a specified URL | Hosted Payment Page Guide | Included as standard |
| HTTP Redirection Transaction Feedback - Transaction feedback data appended to the redirection URLs | Hosted Payment Page Guide | Included as standard |
| DirectLink (API) / DirectLink with 3D Secure (API) Integrations - Integrate ePDQ Directly with your own systems and servers, host your own payment page or utilise a third parties IVR system | Direct Link (API) Guide | Included as standard |
| FlexCheckout (tokenisation of card details with API integration) - Gain the benefit of hosting your own payment page but with the reduced PCI requirements offered by not handling raw card data on your servers | Flex Checkout Guide | Included as standard |
| Direct Query (API) transaction status query - Establish the status of individual transactions via an API call | Direct Link (API) Guide | Included as standard |
| Direct Maintenance (API) transaction maintenance requests - Submit refund/ partial refund requests for individual transactions via an API call | Direct Link (API) Guide | Included as standard |
| Stand-alone refunds via API (on request / scenario dependent) - Submit new refund requests not linked to an original transaction via an API call | Please contact ePDQ Support for guidance | n/a |
| Transaction Batch File Upload (API) - Submit transaction files via an API call for batch processing (Additional Option) | Batch Guide | £25 per month |
| Transaction Batch Maintenance File Upload - Submit transaction maintenance (refund) files via an API call or the back office for batch processing (Additional Option) | Batch Guide | £25 per month |
| Order (item) detail submission Breakdown - Submit details of the order via a number of different parameters | Additional Data Guide | Included as standard |
3. 3D Secure
| Functionality | Associated Collateral | Price |
|---|---|---|
| 3D Secure version 1 | 3D Secure Guide | Included as standard |
| 3D Secure Version 2.2 | 3DSv2 Guide | Included as standard |
| Visa Secure (Verified by Visa) 3D Secure | 3D Secure Guide | Included as standard |
| Mastercard Identity Check (SecureCode) 3D Secure | 3D Secure Guide | Included as standard |
| Maestro Identity Check (SecureCode) 3D Secure | 3D Secure Guide | Included as standard |
| Amex SafeKey 3D Secure | 3D Secure Guide | Included as standard |
| Diners/ Discover ProtectBuy 3D Secure | 3D Secure Guide | Included as standard |
4. Recurring/Tokenisation
| Functionality | Associated Collateral | Price |
|---|---|---|
| Recurring Payments (Subscription Manager) - Automate your recurring payments via the back office or your integration (Additional Option) | Subscription Manager Guide | £150 activation fee |
| Tokenisation (Alias Manager) - Securely tokenise (store) card details for future use when the cardholders permission to do so is obtained | Alias Manager Guide | Included as standard |
| Token (Alias) Management/ Reporting - View and download data of your tokens and their status | Alias Manager Guide | Included as standard |
| Credentials On File (COF) PSD2 Mandate Support - The scheme standards on how transactions involving stored credentials should be handled | Alias Manager Guide | Included as standard |
| Zero Value Authorisation/ Account Verification - Authorise an account for £0 in order to validate the details are correct - often used alongside tokenisation to securely store the card details for future use | Alias Manager Guide | Included as standard |
5. Fraud/Risk/Compliance
| Functionality | Associated Collateral | Price |
|---|---|---|
| PCI DSS Compliant - The Payment Card Industry Data Security Standard to which all merchants and acquirers must adhere and attest | ePDQ Attestation of Compliance (AOC) is available on request via ePDQ Support | n/a |
| PSD2 Compliant - The Payment Services Directive EU regulations | PSD2 Compliance Guide | n/a |
| GDPR Compliant - General Data Protection Regulation | Transaction Management Guide | n/a |
| Bin Blocking - The ability to block specific BIN ranges | Fraud Prevention Guide | Included as standard |
| Address Verification Service (AVS) - The Issuer feedback based on the billing address data provided within the transaction request (when available) | Address fields are listed within the Parameter Cookbook | Included as standard |
| Address Verification Service (AVS) Fraud Rules - Choose to block a transaction if the AVS results are available, and a mismatch is returned from the issuer | Please contact ePDQ Support for guidance | n/a |
| Advanced Fraud Modules Scoring/ Checklist - Additional fraud rules and methods by which to review and block potentially fraudulent transactions (Additional cost option - Please contact ePDQ Support) | Fraud Prevention Guides | Price on application |
| Duplicate OrderID Checking - ePDQ will check if duplicate OrderIDs are submitted via your integration and block them where possible. | Direct Link (API) Guide | Included as standard |
| Velocity/ limit Rules - Define transaction limits and thresholds within a specific period of times | Fraud Prevention Guide | Included as standard |
| Geolocation Rules - Block specific IP address identified countries/ regions | Fraud Detection Guide | Included as standard |
| IP Address Rules - Block specific IP addresses | Fraud Detection Guide | Included as standard |
| Transaction Risk Analysis (Transact) - A fraud module which also offers SCA TRA Exemptions from 3D Secure when applicable (Additional cost option - Please contact ePDQ Support) | Transact Guide | Price on application |
| VMAAD (MCC 6012) - The additional transactional fields mandated by Visa for certain financial merchants | 6012 fields are listed within the Parameter Cookbook | Included as standard |
6. Payment Methods/ Currencies/Multicurrency
| Functionality | Associated Collateral | Price |
|---|---|---|
| Visa | Payment Methods Guide | Included as standard |
| Mastercard | Payment Methods Guide | Included as standard |
| Maestro | Payment Methods Guide | Included as standard |
| JCB | Payment Methods Guide | Included as standard |
| Discover | Payment Methods Guide | On Request |
| Diners | Payment Methods Guide | On Request |
| American Express - Please contact American Express. Once you have an agreement in place please provide your Amex ID to ePDQ Support for the payment method to be added | Payment Methods Guide | On Request |
| PayPal/ PayPal Express Checkout | PayPal Guide | Included as standard |
| Multicurrency – Accept payments in other currencies and receive settlement in your chosen currency via an additional login on the gateway (Additional cost option - Please contact us to discuss your eligibility and to apply) | Please contact ePDQ Support for guidance | Price on application |
7. Support
| Functionality | Associated Collateral | Price |
|---|---|---|
| Email Support | epdqsupport@barclaycard.co.uk | n/a |
| Phone line Support | 0800 151 0399 | n/a |
| Integration and Support Guides | https://support.epdq.co.uk/en/ | n/a |
8. Payment Channels
| Functionality | Associated Collateral | Price |
|---|---|---|
| Moto (Mail order/ Telephone order) eCommerce Recurring transactions COF (Credentials On File) - All available on one account |
Please note that any functionality/ charges listed relate to the ePDQ Essential Plus subscription. For customers using older subscriptions, this information may differ. | |
9. Use cases
Do you take payments by phone?
Imara’s Locksmith company doesn’t have a website or a developer and wants to take payment by phone
You can use the Virtual Terminal within the ePDQ back office to key in card data while the customer is on the phone - This is the quickest way to start processing transactions as this requires no integration.
Geoff’s Travel agency are trying to streamline their processes and don’t want to enter data manually into their booking system
Connecting your booking system to ePDQ allows the two systems to speak to each other. You can integrate ePDQ with pretty much any system via API (referred to as ‘Direct Link’ on ePDQ) (https://support.epdq.co.uk/en/integration-solutions/integrations/directlink)
Another solution would be to use the hosted payment page as a Virtual Terminal to process your phone payments, which can then generate feedback to your booking system in real time. This can be integrated using the ePDQ hosted payment page – Please contact ePDQ Support in order to request this (https://support.epdq.co.uk/en/integration-solutions/integrations/hosted-payment-page)
Sue’s Insurance company are struggling to field all of the calls from customers to make payment by phone and wants an automated solution
You can implement an automated telephony payment servicing, in which your customers are prompted to key in their card data into their key pad, by Integrating ePDQ with a third party provider of Intelligent Voice Recognition (IVR) software via API (https://support.epdq.co.uk/en/integration-solutions/integrations/directlink)
Are you looking to move away from payments by phone?
Jenkinson Accountants currently take payments by phone, they don’t have a website but would prefer to send an invoice email containing a payment link to their clients instead
Your customer clicks on a link in an email you create/ send and is taken to the payment page where they enter their card details. It’s more convenient and secure for both you and your customers. This can be integrated using the ePDQ hosted payment page (https://support.epdq.co.uk/en/integration-solutions/integrations/hosted-payment-page)
How about online payments?
The PC Shop have a website and a developer and would like to start accepting online payments, but don’t want to deal with sensitive card data or a complex integration
You can integrate your website with the ePDQ hosted payment page, so that cardholders are redirected to our secure payment page to enter their card details when they checkout (https://support.epdq.co.uk/en/integration-solutions/integrations/hosted-payment-page)
Steve’s Online Farm Shop takes payments on their website using the hosted payment page, but they aren’t satisfied with the look-and-feel of the page
ePDQ offers a responsive template for the hosted payment page, which will display nicely no matter what device your customer is using, and can be customised to reflect your all-important brand (https://support.epdq.co.uk/en/integration-solutions/integrations/hosted-payment-page#e_commerce_integration_guides_payment_page_look_and_feel)
For additional levels of customisation, please refer to the Flex Checkout integration method instead (https://support.epdq.co.uk/en/integration-solutions/integrations/flexcheckout)
The Food Lovers Society have a website built on an open-source eCommerce platform, such as WooCommerce
You can locate plugins from third party software providers online that link platforms such as this with ePDQ by searching for ‘ePDQ plugins’. Please note that Barclaycard does not recommend or accept liability for usage of any such third party products.
Car Accessories have a website and a developer and want to host their own payment page to have full control over the look and feel, but don’t want to come into contact with sensitive card data
By storing the card data on our systems initially in place of a token, you have the benefit of avoiding contact with sensitive information while still having full control over the look and feel of the payment page. The token can also be stored for future use if required (see the below examples for more information). ‘Flex Checkout’ is the name of this integration on ePDQ (https://support.epdq.co.uk/en/integration-solutions/integrations/flexcheckout)
Do you have returning or repeat customers?
Car Accessories then decide they want to offer their customers a login with saved card details, to make the checkout process as quick and simple as possible
ePDQ offers you the ability to securely store card data for future use upon your customers consent, which is an effective way to maximise your conversion rates. This functionality is referred to as ‘tokenisation’ (or ‘Alias Manager’ on ePDQ) (https://support.epdq.co.uk/en/integration-solutions/recurring-payments/alias-manager/).
Easy Mobile Top-Ups would like to securely store card details during the initial online payment, so that future top-up payments can be made without bothering the customer each time
ePDQ offers you the ability to securely store card data for future use upon your customers consent, which is a very convenient way to manage recurring and merchant-initiated payments. This functionality is referred to as ‘tokenisation’ (or ‘Alias Manager’ on ePDQ) (https://support.epdq.co.uk/en/integration-solutions/recurring-payments/alias-manager/).