topic Re: Sharing a Credit Card across multiple merchant accounts? in Integration and Testing

Sharing a Credit Card across multiple merchant accounts?

crhistianr — Tue, 21 Aug 2018 18:30:26 GMT

Our business sells products from multiple suppliers. Each of these suppliers will have their own merchant account, and submitting an order will then create multiple payments, one for each supplier.

We'd like a shopper to only have to save their credit card once and use it with many merchants. Customer profile seems like it works within the context of a single merchant but we're wondering if there's a higher level like "merchant network" where cards can be stored across several merchants.

Another thought is possibly to create the credit card in each of the merchant accounts but there are many suppliers and what happens when a new supplier is added. It gets tricky. How else might we solve for this? We'd like to use something that makes it easy to be PCI compliant

Re: Sharing a Credit Card across multiple merchant accounts?

Anurag — Tue, 21 Aug 2018 19:27:56 GMT

Hi @crhistianr

We are working on a feature called Shared CIM profiles ( vault ) where in one time token can be generated from a CIM profile to another merchant(MID) leveraging OAuth for one time transactions . The cards will be only added in the main CIM account only for sharing .

I believe this will solve your use case also .

For more details you can reach out to me at developer_feedback@authorize.net

Will keep you posted on the updates when it comes out .

Thanks

Anurag

Re: Sharing a Credit Card across multiple merchant accounts?

crhistianr — Tue, 21 Aug 2018 20:08:43 GMT

Anurag,

Thank you for your swift reply.

In the meantime it sounds like as a work-around we will not allow users to save their credit cards and instead will be using one-time credit cards for all transactions.

What mechanism do I have for checking that the credit card is valid before submitting it for payment? I was looking at the authOnlyTransaction but I think that is better suited at the time of order submit when I am certain payment amounts won't change. Is there some method I can call to just validate that the card details (number, expiration date etc)

Re: Sharing a Credit Card across multiple merchant accounts?

Anurag — Tue, 21 Aug 2018 20:43:17 GMT

Hi @crhistianr

You can use the validationMode for it

https://developer.authorize.net/api/reference/index.html#customer-profiles-create-customer-profile

validationMode

Indicates the processing mode for the request. If the customer profile contains no payment data, this field should not be sent.

String.

Use testMode to perform a Luhn mod-10 check on the card number, without further validation. Use liveMode to submit a zero-dollar or one-cent transaction (depending on card type and processor support) to confirm the card number belongs to an active credit or debit account.

Re: Sharing a Credit Card across multiple merchant accounts?

crhistianr — Tue, 21 Aug 2018 21:05:01 GMT

Anurag! You're the best, man. I appreciate you

Re: Sharing a Credit Card across multiple merchant accounts?

Anurag — Wed, 24 Oct 2018 07:13:29 GMT

Hi All ,

We are inviting interested merchants for early preview for our Shared CIM feature now .

if interested please email me at developer_feedback@authorize.net

Thanks

Anurag

Re: Sharing a Credit Card across multiple merchant accounts?

jayagnew1 — Wed, 27 Mar 2019 19:07:28 GMT

Hi @Anurag , is the Shared CIM still in preview or production? Can we get a link to the documentation?

Re: Sharing a Credit Card across multiple merchant accounts?

Anurag — Wed, 27 Mar 2019 21:17:16 GMT

Hi @jayagnew1

Its in a preview stage . you can reach out to me on developer_feedback@authorize.net for getting more information on it .

Thanks

Anurag

Re: Sharing a Credit Card across multiple merchant accounts?

jayagnew1 — Thu, 18 Jul 2019 21:29:56 GMT

Hi @Anurag,

We are trying to setup our test application but https://localhost is not allowed. Is there something special we have to so we can use the localhost development environment?

I did not see anything in the help documents or the forums.

Thanks! Jay.

Re: Sharing a Credit Card across multiple merchant accounts?

jayagnew1 — Fri, 26 Jul 2019 18:00:30 GMT

@Anuragjust wanted to follow up on this or see if anyone else has had to address this.

Re: Sharing a Credit Card across multiple merchant accounts?

jayagnew1 — Fri, 26 Jul 2019 20:06:25 GMT

Got the localhost thing solved. Look into ngrok for those needing the same thing.

But after digging in, I don't believe Shared CIM will solve our problem.

Scenario: We have one customer that registers at one store and we add thier customer profile to one Auth.Net account. If they go to another store (same business) with a different Auth.Net account we did not want the customer to have to create a separate customer profile. It sounded like Shared CIM could have solved this but with the OAUTH layer it really does not not because it is the customer on the web app not the business owner.

Does Authorize.Net have a solution or any suggestions for this?

Thanks, Jay.

Re: Sharing a Credit Card across multiple merchant accounts?

ehlersd — Mon, 10 Feb 2020 21:58:18 GMT

I also am interesting in this functionality for a fairly large client that has about 50 locations with 50 separate Merchant IDs.

Re: Sharing a Credit Card across multiple merchant accounts?

shubhddn01 — Thu, 15 Oct 2020 03:32:52 GMT

Hello @Anurag , I am looking for the exact same functionality where I can make customer profile only once throughout the app and multiple merchants can access those already created customer profile.

Re: Sharing a Credit Card across multiple merchant accounts?

jayagnew1 — Thu, 28 Jan 2021 13:47:51 GMT

We found that Shared CIM will not work for us. I have also seen a couple other posts on this thread with a similar need to share a customer profile accross accounts.

Just wanted to check and see if Authorize.Net has any other options for this in the pipeline other than Shared CIM OAUTH route.

Re: Sharing a Credit Card across multiple merchant accounts?

samuelowen — Sat, 06 Feb 2021 08:08:58 GMT

I likewise am fascinating in this usefulness for a genuinely Massager Consult huge customer that has around 50 areas with 50 separate Merchant IDs.

Re: Sharing a Credit Card across multiple merchant accounts?

crhistianr — Wed, 03 Nov 2021 21:26:55 GMT

@Anurag Is the invitation to join the preview still available or has that feature been abandoned?

Re: Sharing a Credit Card across multiple merchant accounts?

onlineatestati — Tue, 07 Nov 2023 18:09:37 GMT

Facing challenges sharing a credit card across multiple merchant accounts? Ensure secure and compliant transactions with proper UAE embassy attestation.