Lemonway changelog
Lemonway changelog
www.lemonway.com

Discover Pay By Bank: fast and secure Bank Transfers

 

New Feature

 

 

Your customers can now initiate payments by Bank Transfer without ever having to leave your site 🎉

What this means for you:

  • Improved conversion rates

  • Irrevocable & Secure Payments

  • Reduced operational burden

  • Scaling in Business

  • Easy & fast integration

Learn how Pay by Bank can improve your customers experience, at our upcoming live webinar on October 21st 👉 Sign Up Here

🔥 Watch video

Account overview redesign

 

Dashboard

 

 

When you land on an account details page, you need to know essential info about this account quickly

This page has been completely redesigned to give a snapshot of the account and offer more visibility. Here are the 3 new cards of the Overview tab:

  • Account information: displays the balance, creation date, and other information

  • Operation summary: displays the number and volume of all the operation categories. You will also be able to select another period of time

  • Thresholds: lets you know the thresholds applicable to this account by frequency.

Also, the SC Account now has its own account overview page, with a summary of the operations and information about the rolling reserve

image.png

Payments using a Registered Card

 

API Method Update

 

 

As reminder, Strong Customer Authentication is now mandatory for all Client initiated Payments.

To let your clients pay using a Registered Card, you need to follow 3 steps:

  1. Request to register the card during a first payment initiation. The end-user has to authenticate himself strongly through 3DS v2 process. Lemonway returns a Card Id

  2. Make sure the Card has been well registered for future Client Payments by calling a new GET API call using the returned Card Id. Please note that the end-user needs to give his consent to register his card details and the first transaction has to be successful.

  3. Initiate a new Payment with the Registered Card using the Card Id. The final user authenticates on 3DSv2 page, except if the Issuing Bank accepts to deactivate SCA (this payment will then be frictionless).

API documentation : SOAP v1 - REST v2

MoneyInWebInit - POST/v2/moneyins/card/webinit

MoneyIn3DInit - POST/v2/moneyins/card/direct/3dinit

MoneyInGetCard - GET/v2/moneyins/card/{cardId}

client payment on a registered card.jpg

Error Messages Explained

 

Dashboard

 

 

PSP Error messages were only displayed on the Operations > IN/OUT page and explained in the Operations detail page.

NOW available in Operations > All and Account Details > Operations.

You can now mouse over the message and get more information without going to the Operation's detail. All the SEPA errors are now mapped.

error message.png

Blocking Reasons Column Displayed on Accounts Page

 

Dashboard

 

 

The Accounts Blocking Reasons are now displayed on the Accounts page.

Blocking reasons can be filtered (see image)

blocking reasons column.png

Total Number of Items for all Tables

 

Dashboard

 

 

You can now view the total number of accounts, transactions, or any item you want.

image (136).png

When you add a filter, you can view the total filtered items and the total without filter at the same time.

image (137).png

Date Selection Improvement

 

Dashboard

 

 

The date selection experience has been improved!

For all transaction tables, there is a new filter for Dates. It is displayed at the top of the table, the filter default is set to the last 7 days.

Shortcut ranges have been added to help do a quick search, for example Yesterday, Last 4 weeks, This month.

image (135).png

Improve your number of Frictionless Payments

 

API Method Update

 

 

Since April, we have been sharing with you the 3DS v2 Result :

  • Challenge : 3DS v2 authentication page was activated and the cardholder was requested to be strongly authenticated
  • Frictionless : 3DS v2 was deactivated

You NOW have the possibility to give us more information about the payers (as examples: name, email, delivery address & billing address) to get a better risk score on the transactions and expect more frictionless payments.

Functional documentation in the API doc : Click here

API call documentations : SOAP v1 - REST v2

MoneyInWebInit - POST/v2/moneyins/card/webinit

MoneyIn3DInit - POST/v2/moneyins/card/direct/3dinit

3DS v2 : Frictionless Payments

 

API Method Update

 

 

With PSD2, in order to reduce frauds and chargebacks, SCA (Strong Customer Authentication) becomes mandatory for all new card transactions. Cardholders will have to go through 3DS authentication to confirm payments.

The good news is that after risk assessment, banks can decide to skip the 3DS process to allow frictionless payment, improving the customer experience and the success rate of transactions.

NEW: We now share the status of 3DS v2 Authentication, when available, on the dashboard and through the API.

3DS MODE REQUESTED: "NO PREFERENCE" by default, means the Issuing Bank can decide to activate or not activate 3DS v2

3DS RESULT: "CHALLENGE" means 3DS v2 was activated and the cardholder was asked to be strongly authenticated or "FRICTIONLESS" means 3DS v2 was not activated.

Dashboard 3DSResult.png

API documentation

Api REST: GET/v2/moneyins

Api SOAP: GetMoneyInTransDetails

Guidelines on Card Payments to avoid soft declines are available in the:

API REST

API SOAP

Account Balance in Account Details > Operations

 

Dashboard

 

 

The balance of an account after each transaction is visible in a new column.

This column is available in the Operations page for each account, including the SC account.

image (130).png