On this page:
What is a PayFac?
- A payment facilitator (PayFac) is a “merchant service provider” who has a merchant account in the Nuvei system that is configured to offer “Payment Acceptance” and “Payment Processing Services” to their clients (the “submerchants”).
- A PayFac provides the following to their clients (the “submerchants”):
- Payment Processing Services –
Payments and other requests sent by the PayFac merchant (on behalf of their submerchants) are processed by the Nuvei system in the same way as any other regular merchant with a few extra parameters to identify the submerchant. - A “submerchant” account –
The PayFac has a Nuvei “merchant” account with one or more “merchant sites” connected to it. Each “merchant site” represents a “submerchant” account belonging to one of the PayFac’s clients (the “submerchant”). - A PayFac acts on behalf of their submerchants in a number of ways, for example:
- Sending payment and other requests on behalf of their submerchant.
- Receiving settlement transaction proceeds from acquirers on behalf of their submerchants.
- Signing a Merchant Acceptance Agreement with their submerchants on behalf of an acquirer.
- Payment Processing Services –
PayFac Integration
Payments and other requests are sent by the PayFac on behalf of their submerchants.
Include the following input parameters in transaction requests performed on behalf of the submerchant:
- The
dynamicDescriptor
block contains the submerchant name and contact information parameters, which are displayed by the issuer in the transaction line item on the customer’s card statement.
The dynamicDescriptor
block should contain these parameters:
Parameter Name to Use: | Parameter Value and Format: |
---|---|
merchantName | Format: XXX*<merchant name> String(22)where:
|
merchantPhone | The merchant contact information can either be a phone number or an email address. |
Example /payment
Request that includes the dynamicDescriptor
Block
{ "sessionToken": "<sessionToken from getSessionToken>", "merchantId": "<your merchantId goes here>", "merchantSiteId": "<submerchant identifier>", "userTokenId": "<unique customer identifier in merchant system>", "clientUniqueId": "<The ID of the transaction in submerchant system>", "currency": "USD", "amount": "10", "countryCode": "US", "city": "Boston", "id": "12323", "dynamicDescriptor": { "merchantName": "PFC*merchantName", "merchantPhone": "00442030513031" }, "paymentOption": { "card": { "cardNumber": "4017356934955740", "cardHolderName": "John Smith", "expirationMonth": "12", "expirationYear": "2030", "CVV": "217" } }, "deviceDetails": { "ipAddress": "<customer's IP address>" }, "billingAddress": { "country": "US", "email":" john.smith@email.com " }, "timeStamp": "<YYYYMMDDHHmmss>", "checksum": "<calculated checksum>" }