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            Comparison of API Connection, Hosted Checkout, and PayHQ

            Modified on Wed, 17 Apr 2024 at 11:34 AM

             

            Overview


            If Merrco is your provider, then you have 3 options to choose from to process online payments:

            1. API Connection
            2. Hosted Checkout
            3. PayHQ




            API Connection:
            • Location of Processing: Transactions are processed directly through an API connection between the merchant's platform (e.g. Buddi) and the payment processor (e.g. Merrco).
               
            • User Interface: Credit card details are entered directly on the checkout screen.
               
            • Technical Integration: Involves a more direct technical integration between the merchant's system and the payment processor.
               
            • AVS Check and 3D Secure can be used with this configuration. 




            Hosted Checkout:

            • Location of Processing: Transactions are processed within the interface of the payment processor (Merrco). The user is redirected to Merrco's platform to complete the payment.

            • User Interface: Only the 'Billing Postal Code' appears at the checkout screen. After entering the Postal Code, Merrco's hosted pay page will pop up; credit card details are entered here.

            • Technical Integration: Provides a simpler and more user-friendly experience as the payment complexities are handled within Merrco's interface. This method requires less technical integration effort on the merchant's side, making it easier to implement.

            • 3D Secure can be used with this configuration.

            Video: Merrco Checkout Demo (Hosted Payments)



            PayHQ

            • Location of Processing: Transactions are processed directly through an API connection between the merchant's platform (e.g. Buddi) and the payment processor (e.g. Merrco).

            • User Interface: Credit card details are entered directly on the checkout screen.

            • Technical Integration: It’s designed to be a comprehensive solution, providing you with the tools to manage both online and offline transactions effectively from a single platform.

            • While the new PayHQ Gateway offers robust security and reporting capabilities, this configuration does not support AVS Check and 3D Secure. These two add-on security features do not guarantee complete protection against chargebacks, but they significantly reduce the likelihood of fraudulent disputes.


            Article: Merrco PayHQ Overview

            Article: Chargeback Management Guide for Cannabis Retailers



            Regardless of what security features you are using, it is crucial to adopt best practices in your store operations to prevent chargebacks.


            Article: Switching from API Connection to Hosted Checkout



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