Qvalent Gateway Guide

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Services and Compatibility

Payment Gateway Company Name:
Qvalent
Services that work with Spreedly:
  • Qvalent
Supported operations:
Purchase, Authorize, Capture, Refund, Void, Store, General Credit
Regions:
Asia Pacific

Authentication and Security

Specific names for credentials:
Merchant, Username, Password, PEM Certificate, Pem Password
Additional steps needed to activate?
Yes, additional steps must be taken to support Authorize and General Credit transactions if you require these operations. (See notes)

Onboarding Merchants in:

Additional Notes

  • Support for Authorize transactions requires “Pre-Auths” to be activated for your merchant account by Qvalent.
  • Support for General Credit transactions requires “Adhoc Refunds” to be activated for your merchant account by Qvalent.

Adding a Qvalent gateway

To add a Qvalent gateway:


curl https://core.spreedly.com/v1/gateways.xml \
  -u 'Ll6fAtoVSTyVMlJEmtpoJV8S:RKOCG5D8D3fZxDSg504D0IxU2XD4Io5VXmyzdCtTivHFTTSy' \
  -H 'Content-Type: application/xml' \
  -d '<gateway>
        <gateway_type>qvalent</gateway_type>
        <username>Your username</username>
        <password>Your password</password>
        <merchant>Your merchant</merchant>
        <pem>-----BEGIN RSA PRIVATE KEY-----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-----END RSA PRIVATE KEY-----
-----BEGIN CERTIFICATE-----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-----END CERTIFICATE-----
</pem>
        <pem_password>Your pem_password</pem_password>
      </gateway>'

<gateway>
  <token>qQqek8C8OhyTrr9q2tW1JoFAMh</token>
  <gateway_type>qvalent</gateway_type>
  <name>Qvalent</name>
  <description nil="true"/>
  <username>Your username</username>
  <merchant>Your merchant</merchant>
  <characteristics>
    <supports_purchase type="boolean">true</supports_purchase>
    <supports_authorize type="boolean">true</supports_authorize>
    <supports_capture type="boolean">true</supports_capture>
    <supports_credit type="boolean">true</supports_credit>
    <supports_general_credit type="boolean">true</supports_general_credit>
    <supports_void type="boolean">true</supports_void>
    <supports_verify type="boolean">false</supports_verify>
    <supports_reference_purchase type="boolean">false</supports_reference_purchase>
    <supports_purchase_via_preauthorization type="boolean">false</supports_purchase_via_preauthorization>
    <supports_offsite_purchase type="boolean">false</supports_offsite_purchase>
    <supports_offsite_authorize type="boolean">false</supports_offsite_authorize>
    <supports_3dsecure_purchase type="boolean">false</supports_3dsecure_purchase>
    <supports_3dsecure_authorize type="boolean">false</supports_3dsecure_authorize>
    <supports_store type="boolean">true</supports_store>
    <supports_remove type="boolean">false</supports_remove>
    <supports_fraud_review type="boolean">false</supports_fraud_review>
    <supports_disburse type="boolean">false</supports_disburse>
  </characteristics>
  <credentials>
    <credential>
      <name>username</name>
      <value>Your username</value>
    </credential>
    <credential>
      <name>merchant</name>
      <value>Your merchant</value>
    </credential>
  </credentials>
  <gateway_specific_fields>
    <gateway_specific_field>customer_merchant_name</gateway_specific_field>
    <gateway_specific_field>customer_merchant_street_address</gateway_specific_field>
    <gateway_specific_field>customer_merchant_location</gateway_specific_field>
    <gateway_specific_field>customer_merchant_state</gateway_specific_field>
    <gateway_specific_field>customer_merchant_country</gateway_specific_field>
    <gateway_specific_field>customer_merchant_post_code</gateway_specific_field>
    <gateway_specific_field>customer_merchant_sub_merchant_id</gateway_specific_field>
    <gateway_specific_field>xid</gateway_specific_field>
    <gateway_specific_field>cavv</gateway_specific_field>
    <gateway_specific_field>eci</gateway_specific_field>
  </gateway_specific_fields>
  <payment_methods>
    <payment_method>credit_card</payment_method>
  </payment_methods>
  <state>retained</state>
  <redacted type="boolean">false</redacted>
  <created_at type="dateTime">2017-08-24T17:11:12Z</created_at>
  <updated_at type="dateTime">2017-08-24T17:11:12Z</updated_at>
</gateway>


env = Spreedly::Environment.new('Ll6fAtoVSTyMlJEm', 'RKcG5D8D3fZxDSg504U2XD4Io5VXz')
pem = <<-EOS
-----BEGIN RSA PRIVATE KEY-----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-----END RSA PRIVATE KEY-----
-----BEGIN CERTIFICATE-----
MIIEogIBAAKCAQEAn0hOiAqdiHgp94A/cB+YxqQTPJynzTHZmCGxKylRf4sd0Mrs
SD8kzhaGoUo4/KUSXuATjHpfnBbtHWWVzbN7V8y0457q0qo76jSQj8ce+bfOGatN
FPirNZ35Tw8W2o9v1GJeSEsRFCudd2kAoJOOF5Gf7quDzWk/0LpIcAb8sKZ7amNV
fQF4KIyoLF/wSdXA2A5KkuFBdenQcqjD3OwTk2lbQBeT1fuZYHjTK1T3id2/pHMZ
1aobTeXwnt+y+8W79TtiCYFCPpsjV3rmBxwflsshd+LbDpt6+fUhmNxIHA2NuJtd
I7a9XkNk7EehVZKKvc/MRm4hVxHJrgrvyI+i9QIDAQABAoIBADhTMmoLDu/+RiDe
ehBlK/o6dQ7++pumICMa7vKrVsV6ZV27FFjr81DpSExq2cIFgXyJUoBfmcWxmcHG
dXXbHSfMHL9NKA684hkM433kVQDLTZdoKwbadHiuV0XsuREqncoFyv9XhD+UuMdM
G0utQhb1iQ+2GRKfQFDIPutWnS698ZFJ8vVkPZbX/nNbnhM8Ct/8qyj6IyOJleJI
jAUNM1m9o9Ox1ggG6q2Ey2XaSzkamqK2b4xDm88Z0kGJUTvv67zQzydFa07HVLae
bWppGBZDghNjA4IsFjT3w++6D5rwSJEnXLfEkhs/GW19bMG53srlW3pCfkH7Rm0S
zr+RSYECgYEAz7kYbbDMc8VcYK5A9LFn8t1JgNAGE+oL/zvDVlVeDFDdM26hzvDe
VwN3vCqXIziXFAnlECWXU+NIYSdoNjJFMX38xapIw3hmEN153RPLd0bHckNyPd5q
GbLvL+Ohq9sSguvwDAPpJM7LO2xdEd/k0fATKqT1+2Mph8fQcyq/SFUCgYEAxE0j
7lsAZHImZopIR8uHOJwpVKmOgPBp6fW063lKnm4uScKSvy99fNDi/UeeWKjrhLeK
LgXNeR91vsvmJEIxdqEgXbzxZO8/pjB9ITL1blCo2KFElZNC6ArxNg66D1XIPs0R
UhV145bpkWJpuUHuLtCVzJgoVRfvR0Zq9dXaECECgYAC0iasxqvgHpwEjBlBuW8J
80tePnT2rEUBcFRUxdADJs36NtRntQmv8NIdcg6fYdNbaE7+CySk9P80oo5dvg0G
gQl/vbJDRU1NiVRwViZ7NjDbMmNIx851DuMEqXi2lsEHmiCmaR8vaseDxRL2fS3k
U/hOqfLVOSGFQIdqKPh0CQKBgAwNkH86JzQDrkfthbKi1JKtQ/xmzNEt8dLju1Aa
CnLf4Qe2YrxKdjILwWQ72YUoGg30Fw/sW0lsnRYx/teLGO5nxkz7JPdFmWri30wC
jP9RBI0ImeV1PU5yHY1sKhB2++yfOskHeE2ZHo5GtKcjXTSSqh/917wh1BdUQ40E
rHcBAoGAMtXp+rfxxBxQWZUpxFHgdWXPn+5MtkFtSUQ3QJD8HyIsRLc6YP1iggd8
pN+wWJY+cL31XAyqNA2GA8+vf2JD/pVHqHREbRXtrwuFN9SdWBO1SLTNPW2ni42E
L2qsUyUaOIRteOE0kUR3YkDrtGMr1n7KgRArpeDZSxssQJHX98U=
-----END CERTIFICATE-----
EOS
env.add_gateway(:qvalent, username: "Your username", password: "Your password", merchant: "Your merchant", pem: pem, pem_password: "Your pem_password")


#<Spreedly::Gateway:0x007fd339605a18
 @created_at="2016-08-11T17:15:50Z",
 @credentials={"username"=>"Your username", "merchant"=>"Your merchant"},
 @gateway_type="qvalent",
 @name="Qvalent",
 @state="retained",
 @token="BEIL1MbxwqhsvFkJ7NtkNO27hhJ",
 @updated_at="2016-08-11T17:15:50Z">

Optional Gateway Specific Fields

When interacting with a Qvalent gateway to run transactions, there are some gateway specific fields you can specify.

Soft Descriptors

For merchant accounts that have been enabled, Qvalent allows the use of soft descriptors to provide control over text that appears in credit card statements. Note that all fields must be present for Qvalent to accept the request. For more information see the Qvalent docs.

3D Secure Data

3D Secure information can be sent with the cavv, xid, and eci fields, but be advised that they must all be present for the transaction to succeed.


curl https://core.spreedly.com/v1/gateways/LlkjmEk0xNkcWrNixXa1fvNoTP4/purchase.xml \
  -u 'Ll6fAtoVSTyVMlJEmtpoJV8S:RKOCG5D8D3fZxDSg504D0IxU2XD4Io5VXmyzdCtTivHFTTSy' \
  -H 'Content-Type: application/xml' \
  -d '<transaction>
        <payment_method_token>56wyNnSmuA6CWYP7w0MiYCVIbW6</payment_method_token>
        <amount>100</amount>
        <currency_code>USD</currency_code>
        <gateway_specific_fields>
          <qvalent>
            <customer_merchant_name>The Merchant</customer_merchant_name>
            <customer_merchant_street_address>123 Merchant Address</customer_merchant_street_address>
            <customer_merchant_location>Sydney</customer_merchant_location>
            <customer_merchant_state>NSW</customer_merchant_state>
            <customer_merchant_country>AU</customer_merchant_country>
            <customer_merchant_post_code>2070</customer_merchant_post_code>
            <customer_merchant_sub_merchant_id>10330482</customer_merchant_sub_merchant_id>
            <eci>5</eci>
            <xid>10330482</xid>
            <cavv>38745975</cavv>
          </qvalent>
        </gateway_specific_fields>
      </transaction>'

<transaction>
  <on_test_gateway type="boolean">true</on_test_gateway>
  <created_at type="dateTime">2017-07-14T16:30:53Z</created_at>
  <updated_at type="dateTime">2017-07-14T16:30:53Z</updated_at>
  <succeeded type="boolean">true</succeeded>
  <state>succeeded</state>
  <token>UW054mjz5fjHNDalWipMjgoj3Vg</token>
  <transaction_type>Purchase</transaction_type>
  <order_id nil="true"/>
  <ip nil="true"/>
  <description nil="true"/>
  <email nil="true"/>
  <merchant_name_descriptor nil="true"/>
  <merchant_location_descriptor nil="true"/>
  <gateway_specific_fields>
    <qvalent>
      <customer_merchant_name>The Merchant</customer_merchant_name>
      <customer_merchant_street_address>123 Merchant Address</customer_merchant_street_address>
      <customer_merchant_location>Sydney</customer_merchant_location>
      <customer_merchant_state>NSW</customer_merchant_state>
      <customer_merchant_country>AU</customer_merchant_country>
      <customer_merchant_post_code>2070</customer_merchant_post_code>
      <customer_merchant_sub_merchant_id>10330482</customer_merchant_sub_merchant_id>
      <eci>5</eci>
      <xid>10330482</xid>
      <cavv>38745975</cavv>
    </qvalent>
  </gateway_specific_fields>
  <gateway_specific_response_fields>
  </gateway_specific_response_fields>
  <gateway_transaction_id>63</gateway_transaction_id>
  <gateway_latency_ms type="integer">27</gateway_latency_ms>
  <amount type="integer">100</amount>
  <currency_code>USD</currency_code>
  <retain_on_success type="boolean">false</retain_on_success>
  <payment_method_added type="boolean">false</payment_method_added>
  <message key="messages.transaction_succeeded">Succeeded!</message>
  <gateway_token>T11bJAANtTWnxl36GYjKWvbNK0g</gateway_token>
  <shipping_address>
    <name>Newfirst Newlast</name>
    <address1 nil="true"/>
    <address2 nil="true"/>
    <city nil="true"/>
    <state nil="true"/>
    <zip nil="true"/>
    <country nil="true"/>
    <phone_number nil="true"/>
  </shipping_address>
  <response>
    <success type="boolean">true</success>
    <message>Successful purchase</message>
    <avs_code nil="true"/>
    <avs_message nil="true"/>
    <cvv_code nil="true"/>
    <cvv_message nil="true"/>
    <pending type="boolean">false</pending>
    <result_unknown type="boolean">false</result_unknown>
    <error_code></error_code>
    <error_detail nil="true"/>
    <cancelled type="boolean">false</cancelled>
    <fraud_review nil="true"/>
    <created_at type="dateTime">2017-07-14T16:30:53Z</created_at>
    <updated_at type="dateTime">2017-07-14T16:30:53Z</updated_at>
  </response>
  <api_urls>
  </api_urls>
  <payment_method>
    <token>1rpKvP8zOUhj4Y9EDrIoIYQzzD5</token>
    <created_at type="dateTime">2017-06-26T17:04:38Z</created_at>
    <updated_at type="dateTime">2017-07-14T16:30:53Z</updated_at>
    <email>joey@example.com</email>
    <data>
      <my_payment_method_identifier>448</my_payment_method_identifier>
      <extra_stuff>
        <some_other_things>Can be anything really</some_other_things>
      </extra_stuff>
    </data>
    <storage_state>retained</storage_state>
    <test type="boolean">true</test>
    <last_four_digits>1111</last_four_digits>
    <first_six_digits>411111</first_six_digits>
    <card_type>visa</card_type>
    <first_name>Newfirst</first_name>
    <last_name>Newlast</last_name>
    <month type="integer">3</month>
    <year type="integer">2032</year>
    <address1 nil="true"/>
    <address2 nil="true"/>
    <city nil="true"/>
    <state nil="true"/>
    <zip nil="true"/>
    <country nil="true"/>
    <phone_number nil="true"/>
    <company nil="true"/>
    <full_name>Newfirst Newlast</full_name>
    <eligible_for_card_updater nil="true"/>
    <shipping_address1 nil="true"/>
    <shipping_address2 nil="true"/>
    <shipping_city nil="true"/>
    <shipping_state nil="true"/>
    <shipping_zip nil="true"/>
    <shipping_country nil="true"/>
    <shipping_phone_number nil="true"/>
    <payment_method_type>credit_card</payment_method_type>
    <errors>
    </errors>
    <verification_value></verification_value>
    <number>XXXX-XXXX-XXXX-1111</number>
    <fingerprint>e3cef43464fc832f6e04f187df25af497994</fingerprint>
  </payment_method>
</transaction>

Gateway specific response fields

A response from Qvalent gateway may contain a reference_number field which you can find in the gateway_specific_response_fields.

For example, a transaction could have something like this:

<transaction>
  <token>LgpTNGjsWQs9DwdxcbreUVz0R8p</token>
  <transaction_type>Purchase</transaction_type>
  <gateway_specific_response_fields>
     <qvalent>
       <reference_number>987654321</reference_number>
     </qvalent>
  </gateway_specific_response_fields>
</transaction>