Checkout Support

The Vortex API offers comprehensive checkout support to ensure secure and efficient transactions across a variety of sales scenarios. From business-to-business transactions to e-commerce and recurring payments, it handles multiple payment types with advanced features such as Level 2 and Level 3 processing.

In this guide, you’ll find:

• Information on Vortex's support for secure Level 2 and Level 3 processing.
• An overview of payment types including MOTO, E-commerce, and recurring payments.
• A preview of the upcoming EBT transaction support.

Checkout Support in Vortex

The Vortex API offers robust checkout support to facilitate secure, efficient, and scalable transactions across diverse sales scenarios.

It includes advanced data handling for Level 2 (L2) and Level 3 (L3) processing, support for Mail Order/Telephone Order (MOTO), E-commerce, recurring payments, and the anticipated integration of EBT (Electronic Benefit Transfer) transactions.

Secure L2 and L3 Processing

• Level 2 (L2) Processing
  Level 2 processing captures additional transaction details beyond standard payment information, primarily for business-to-business (B2B) transactions.
  Key details include:

  • Customer codes
  • Tax amounts
  • Merchant postal codes

  Capturing this data can help merchants qualify for lower interchange rates and streamline B2B operations.

• Level 3 (L3) Processing
  Level 3 processing captures highly detailed transaction data, making it ideal for large-scale merchants and government transactions.
  Key data captured includes:

  • Item product codes
  • Quantities
  • Unit prices

  This detailed level of reporting further enhances qualification for lower interchange rates, reducing transaction costs for merchants.

Payments & Flags

• Flagging
  The Vortex API enables merchants to flag transactions with specific data attributes. This allows for:

  • Detailed reporting
  • Customized processing rules
  • Enhanced fraud prevention

  Flagging is essential for businesses requiring advanced transaction insights and improved fraud detection.

Transaction Types

The Vortex API supports the following transaction types:

• MOTO (Mail Order/Telephone Order)
  MOTO transactions allow businesses to process secure payments for customers not physically present. This is essential for phone or mail orders, ensuring a seamless and compliant payment process.

• E-commerce
  Fully integrated support for online payments delivers a secure and efficient checkout experience for merchants and customers.

  • Advanced fraud detection mechanisms
  • Secure tokenization for payment details

• Recurring Payments
  Vortex offers robust support for subscriptions and periodic billing, enabling seamless, automated payment cycles. This enhances:

  • Customer retention
  • Revenue predictability and stability

EBT Support - Single Message (Coming Soon)

• EBT (Electronic Benefit Transfer)
  The Vortex API is preparing to support EBT transactions, allowing merchants to accept payments via government-issued benefit cards.
  • Expands accessibility for customers relying on government assistance programs.
  • Streamlines eligible purchase processing while ensuring compliance.

This feature will enable merchants to cater to a broader customer base and facilitate transactions for essential services and goods.