Stores connected to X-Payments Cloud can be configured to use payment processing via Opayo Direct.
Features of Opayo Direct
Supports transactions of 'Sale' type (Authorization and capture actions are completed simultaneously at the time of payment processing)
Supports transactions of 'Auth' type (An authorization hold is placed on the amount approved by the buyer to ensure the availability of funds for capture)
Allows capturing the previously authorized amount (The authorized amount is moved from the buyer's account to the account of the merchant)
Allows removing an authorization hold from the buyer's account by the merchant
Allows issuing refunds (The money is returned to the buyer's account)
(Partial and multiple transactions supported)
Can provide information about the status of a transaction to X-Payments Cloud
Can provide new/updated information about a saved credit card. For example, if a credit card gets re-issued, it is possible to get the renewed expiration date. If any other information changes, like the credit card number or the billing address, it is possible to access this updated credit card information as well.
Allows accepting transactions with a higher likelihood of risk
Allows rejecting transactions with a higher likelihood of risk
Can test whether the merchant account details entered in X-Payments Cloud are valid
Supports 3-D Secure payer authentication via Cardinal Commerce. Best for PSD 2 in the European Union.
Supports tokenization (Allows billing a customer's credit card again - without X-Payments Cloud storing cardholder data).
Supports Account Updater service
Supports Apple Pay
Supports Google Pay
Other payment methods supported by X-Payments Cloud are listed in the section X-Payments Cloud: Supported Payment Methods.