XML API | eMatters.com.au
For a fully integrated experience, eMatters offers the eMatters XML method. This feature is the one to choose when you want to retain control over the customer experience, and it is standard in the eMatters Enterprise Bundle.
Using XML, the customer NEVER leaves your website. Your website collects the card details, your server sends the data to our server for processing and your server handles all the responses. Your customer remains on your site at all times. This does, however, make you responsible for credit card security - which is a very important issue.
In order to use the XML method, you need your own certified SSL Certificate. This can be supplied by us, or you may choose to use one of the many others available on the web. Make sure you consult with your web hosts before purchasing an SSL Certificate.
Simply assemble your data into this format here and send it to our dedicated XML gateway. It will be processed within seconds and returned to your website so you can then display a receipt.
The eMatters API Integration Method allows you to take advantage of eMatters direct Host to Host bank communications. All transactions are dleivered directly to our banking network without the eMatters webserver being involved.
You are in control of your own security, look and feel of the website and the entire customer experience.
Some of the modules available under this method include -
Process Name
| Summary
|
| Process | Process credit cards directly with your Acquiring Bank for settlement next business day. Charge appears on the customer's statement within minutes. |
| PreAuth | Checks the validity and balance of a card, but does not charge it. It does "reserve" the funds, to be Settled at a later date. Will hold the funds for between 4 and 7 days. |
| Settle | Takes the PreAuth from above and settles it with your bank, charging the customer's card and settling the funds into your bank account the next business day. |
| Refund | Refund a previous transaction for less than, the same amount or greater than the original payment. |
| Recharge | Recharge (process an additional transaction) based on an earlier transaction. |
| Find | Allows an automated search of your transaction list for the last seven days. Will show every transaction meeting your criteria, and each response code. |
| BillSmart | Charge an already stored credit card number from our central database. Submit just the reference number, and our system rebuilds the details. |
Please note that not all modules are available with all Merchant Accounts. PreAuth in particular has been withdrawn from a large number of merchants. Please check with us first, but also with
your bank in order to confirm that the required features are available with your account.
You need to download the Integration Guide.
Sample Process XML
<ematters>
<readers>MEL0036</readers>
<password>ABC123</password>
<Name>John Doe</Name>
<Email>John.doe@eMatters.com.au</Email>
<CreditCardHolderName>John Doe</CreditCardHolderName>
<CreditCardNumber>4557 0130 0031 4262</CreditCardNumber>
<CreditCardExpiryMonth>04</CreditCardExpiryMonth>
<CreditCardExpiryYear>12</CreditCardExpiryYear>
<UID>001</UID>
<Category>02</Category>
<IPAddress>61.1.1.1</IPAddress>
<FinalPrice>10.99</FinalPrice>
<Action>Process</Action>
</ematters>
In additionl to this, you can query our gateway for transaction results and search queries - all via XML. This is unique to the eMatters system.