E Commerce

First Atlantic Commerce (FAC), a leading, international, multicurrency payment and risk management solutions provider, and Scotiabank, an international bank based in Canada and the leading bank in the Caribbean, have joined together to offer 3D Secure services to online merchants in 7 countries across the English Caribbean.

Through this partnership, Internet merchants in the Caribbean will now be able to support 3D Secure for Verified by Visa and MasterCard SecureCode on their web sites for the first time. The service will be available to merchants in Jamaica, Bahamas, Barbados, Trinidad & Tobago, Anguilla, Turks & Caicos and Guyana with rollout to an additional 11 countries in the English Caribbean planned in the near future.

“This is an extremely important service for online merchants,” said Andrea Wilson, CEO of First Atlantic Commerce. “The objective of 3D Secure is to reduce fraud through the verification of the cardholder at the time of payment in a ?CardNotPresent’ environment, such as the Internet. When implemented, 3D Secure protects online merchants from the financial losses associated with “I didn’t do it” chargebacks. We are very excited about making this more available in the Region.”

Both Visa and MasterCard offer chargeback liability shift for fraud related chargebacks when the transaction is authenticated through Verified by Visa and MasterCard SecureCode. This also includes liability shift for attempted Verified by Visa and MasterCard SecureCode requests, which means that even if the cardholder is not enrolled, the merchant is not liable for certain Reason Code chargebacks. So the benefits to both Scotiabank International and its merchants are significant.

“The launch of this service to our existing and prospective Internet merchants is yet another way that Scotiabank is helping our clients in minimizing online fraud, while maximizing sales,” said Rob Macdonald Scotiabank’s Director, Merchant Acquiring Services. “We have worked with FAC for many years processing millions of dollars of credit card transactions for a range of businesses and Government bodies, and implementing 3D Secure is a natural next step in the evolution of our solutions to these important customers.”

The benefits associated with 3D Secure:
- Provides internet merchants with the ability to verify a consumer’s true identity through a secure, electronic, non “face to face” authentication process.
- Enables all parties in an eCommerce payment transaction to transmit confidential and valid payment data
- Provides verification to the merchant that the buyer is the authorized owner of a card account
- Offers immediate protection from fraudrelated chargebacks (“I didn’t do it” chargebacks.)

Originally published here.

When you have legacy in-house programmed ecommerce web application in production with shopping cart, credit card payment interface, B2B or B2C items catalogs and promotional pricing – which does the job – likely that you will favor the idea to leave it there and try the way of ecommerce integration connectors to your Microsoft Dynamics GP Corporate ERP application.  Another option would be to try existing ecommerce module (available from various Dynamics GP ecommerce ISV partners, you can make your research or call Microsoft Business Solutions).  Respecting your approach to program ecommerce integration, we would like to offer this small publication, where we are considering several options and ecommerce programming instruments:

1. Batch Mode ecommerce to Dynamics GP Great Plains Integration approach.  Here we assume that you have reasonable low volume of daily ecommerce invoices or sales orders (in B2B ecommerce you may work on Sales Order execution level and then transferring completed order to Sales invoice).  Batch mode assumes that you export your daily ecommerce documents into text files and then run integration manually.  For Batch mode integration we recommend you to deploy Dynamics GP Integration Manager.  If your source files for integration are text files exports from ecommerce web application, then IM is end user friendly and you may decide to do self discovery or call our office for short Integration Manager introduction in eCommerce integration design.  With IM, however, you can try more sophisticated approach, where you pull data directly from SQL Server (MySQL/PHP, Oracle, MS Access) ecommerce database.  IM has Advanced ODBC Data Source, where you can deploy such advanced SQL techniques as Union

2. Real Time eCommerce integration to Dynamics GP.  Real time means instantly, so IM is not an option, you can deploy, however Dynamics GP eConnect SDK.  eConnect allows you to include libraries into your Microsoft Visual Studio C#, VB.Net project, and then call eConnect methods directly from your ecommerce web application.  eConnect in our opinion came to its maturity with Dynamics GP version 9.0 and especially current version 10.0 (January 2010).  We assume that new version of Microsoft Dynamics GP 11.0 will be relying on eConnect technology as well or even with greater emphasis.  EConnect is Microsoft Visual Studio programmer friendly and if you are such a developer, we recommend you to invest your time in eConnect research and self discovery.  eConnect, however doesn’t allow you to post Dynamics GP batches directly from its methods, if you need batch posting from ecommerce application, consider Alba Spectrum Posting Server.  And we would like to make this comment for small and mid-size ecommerce retailers – real time ecommerce integration is often not required and is in essence luxury for the majority of ecommerce community.  Only large volume ecommerce chains need real time integration, so if eConnect training approach seems too unrealistic to you, please continue reading the next paragraph

3. Quasi Real Time eCommerce integration to Microsoft Dynamics GP.  Quasi means almost, and we agree with you, when you say that new customer account setup confirmation with login instructions should be emailed in a second.  You may also decide that charging customer credit card should be instant (technically you are just reserving your amount via credit card processing service, real transfer to your account will happen later).  However, there is no need to integrate ecommerce transaction to your Dynamics GP application immediately, you can do it every hour or every twenty minutes without visible delay for the new or existing ecommerce customer.  If Quasi real time approach seems to be reasonable for you, please review the methods to schedule Dynamics GP Integration Manager to run automatically every half an hour or more (or less) frequently

4. eCommerce Integration Strategies.  Here we recommend you to speculate on which system is master and which is slave.  You may decide to define all your new items, price lists, customers directly in Dynamics GP (master) and then propagate them to your ecommerce application or do it just the opposite, where your ecommerce is master and Great Plains Dynamics is slave.  There are pluses and minuses – obviously GP has matured user interface, where you can create or update your cards and transactions, that are subject to be pushed down to your ecommerce slave application.  But, in some scenarios, you would prefer custom objects with advanced interface in ecommerce to be pushed back to Dynamics GP

5. eCommerce and Dynamics GP, Great Plains Dynamics versions.  As general advise, we believe that being on current version of your Corporate ERP application is a way better, comparing to being on really outdated version.  If you are deploying Microsoft Dynamics GP 11.0, 10.0, 9.0 (where you can deploy eConnect SDK for ecommerce programming), or no longer supported versions of Dynamics GP 8.0 and 7.5, or Microsoft Great Plains 7.0, Great Plains Dynamics 6.0, 5.5, 5.0, 4.0, 3.2 or earlier (including versions on Pervasive SQL Server 2000/Btrieve or Ctree) – we recommend you to update to GP 11 (10) and deploy eConnect or IM on currently supported version.  We also respect the situation, when MBS annual enhancement reenrollment cost might be too high and you have to stick to your legacy Great Plains version.  In our opinion, if you are on legacy version, investment to ecommerce should be very modest.  For legacy GP versions we recommend you to consider Alba Spectrum Order Connector

6. eCommerce to Dynamics GP in International Environment.  We are sitting in USA, but if you are multinational corporation with facilities overseas or in South America, please note that international business rules require compliance to local country tax code and additional regulations.  Microsoft Dynamics GP is available (often used term – localized) in English speaking countries (USA, Canada, Australia, New Zealand, UK, Ireland, South Africa, Oceania), plus in French speaking Quebec Canadian province.  If you plan to deploy ecommerce link to your international facility in such countries as Russia, Poland, Kazakhstan, Brazil, China, India, Continental Europe – we recommend you to make integration to localized Accounting Application (SAP Business One would be good candidate to consider)

7. Please, give us a call 1-866-528-0577 help@albaspectrum.com

Originally published here.