CommWeb payment gateway Android SDK

Installation

This SDK is packaged as a maven repository. It should be unzipped to a location in your project, and added as a repository in your projects build.gradle file.

1. From your Merchant Admin portal, download the latest version of the SDK in a ZIP file format.

For more information about downloading the SDK, see Mobile SDK Integration.

2. Unzip this file in the root directory of your Android project. (For example, ~/my-android- project/gateway- repo)
3. Add a reference to this local repository in your project's build.gradle file.

 // build.gradle
 allprojects {
    repositories {
  		mavenCentral()
  		google()

           // Gateway Android SDK repo
           maven {
               url "$rootDir/gateway-repo"
        }
    }
 }
 

4. In your app modules build.gradle file, include the Gateway SDK as a dependency.

 // app/build.gradle
 implementation 'com.mastercard.gateway:Mobile_SDK_Android:x.x.x'
 

The Mobile_SDK_Android folder contains a maven-metadata.xml file that has information to build the implementation reference for the library. The implementation gradle format is implementation <groupId>:<artifactId>:<version>

Initialize the SDK

Initialize the Android SDK before using it. It is recommended to perform this operation in your custom Application class in the onCreate() method.

// CustomApplication.kt
 override fun onCreate()
 {
    super.onCreate()

    // init Gateway SDK
    GatewaySDK.initialize
    (
        this,
        "YOUR_MERCHANT_ID",
        "Your Merchant Name",
        "https://your-merchant-url.com",
        GatewayRegion.MTF,
        callback
    )
 }

Session overview

The Gateway SDK flow is based around the concept of a session. A session is a temporary container for any request fields and values of operations that reference a session. For more information, see Payment Session documentation.

Key benefits

• Reduces PCI compliance costs as you do not handle or store any payment details.
• Facilitates ease of integration as you do not need to directly handle the values for the request fields stored in a session.
• Reduces internal fraud as your staff has limited access to payer's details.
• Allows you to update the request fields and values stored against a session. This is useful when a credit card expires or other details of a payer change.
• Allows you to retrieve the request fields and values contained in a session by specifying the session identifier.

Create a session

Create a session with the gateway to initiate the payment flow on a mobile device.

• Two API calls must be made to prepare this session for mobile transactions.
• These calls are secured by an API password and thus need to be called from your private server.

Update the session

Once a session is created on your server, you should

1. return the session information back to the mobile app, and
2. create an instance of the Session object.

 // example
 val session = Session(
    id = "your-session-id",
    amount = "1.23",
    currency = "USD",
    apiVersion = "61", // api version used to create the session
    orderId = "your-order-id" // must match order id used on your server
 )
 

Collecting card information

The SDK method to updateSession is optional to use, but is recommended to help with merchant server PCI scope. However, the card and token information can be loaded via a different API design and must be present in the session before the call is made in the SDK to authenticate the payer.

Manual card entry

Pass the information directly to the gateway using an existing Session ID.

 // The GatewayMap object provides support for building a nested map structure using key-based dot(.) notation.
 // Each parameter is similarly defined in your online integration guide.
 val request = GatewayMap()
    .set("sourceOfFunds.provided.card.nameOnCard", nameOnCard)
    .set("sourceOfFunds.provided.card.number", cardNumber)
    .set("sourceOfFunds.provided.card.securityCode", cardCvv)
    .set("sourceOfFunds.provided.card.expiry.month", cardExpiryMM)
    .set("sourceOfFunds.provided.card.expiry.year", cardExpiryYY);

 GatewayAPI.updateSession(session, request, callback);
 

Tokenization

The SDK provides support to update a session with card information, you can use that Session to perform several operations with the gateway. Tokenization provides a way to retain a card on file, and can be performed on your server with a valid Session.

Follow these steps to use the mobile SDK to facilitate creating a card token.

1. Create and Update a Session using the SDK.
2. Update the session with the customers card details via the Gateway SDK.GatewayAPIupdateSession method.
3. Return the Session Id to your server and call the Create or Update Token method on the gateway with your private API credentials.
4. A token id is returned and can be retained on your servers as a card-on-file.

For more information about Tokenization, see Create or Update Token documentation.

Google Pay

The Gateway SDK includes a helper utility, called GooglePayHandler, for collecting card information from a Google Pay wallet.

Configuration

To enable Google Pay support within your app, see the Google Pay documentation.

These instructions should guide you on how to:

• set up the Google Pay API
• request payment information from the Google wallet
• incorporate the button in your layout, and
• handle the response from the Google Pay API.

Since Google Pay integration is optional with the Gateway SDK, you must provide the appropriate play services dependency.

implementation 'com.google.android.gms:play-services-wallet:X.X.X'
 

The gateway is integrated with Google Pay as a PAYMENT_GATEWAY type.

To request encrypted card information from Google Pay

1. use the valid name mpgs in your request, and
2. replace YOUR_MERCHANT_ID with the merchant ID you use on the gateway.

val tokenizationSpecification = JSONObject()
    .put("type", "PAYMENT_GATEWAY")
    .put("parameters", JSONObject()
        .put("gateway", "mpgs")
        .put("gatewayMerchantId", "YOUR_MERCHANT_ID"))

Request wallet information

Use the GooglePayHandler to launch the Google Pay wallet with your constructed payments client and request data.

// YourActivity.kt

fun googlePayButtonClicked()
    { try {
        val request = PaymentDataRequest.fromJson(paymentDataRequest.toString())

    // use the Gateway convenience handler for launching the Google Pay flow
    GooglePayHandler.requestData(this, paymentsClient, request)

    } catch (e: JSONException) {
        Toast.makeText(this, "Could not request payment data", Toast.LENGTH_SHORT).show()
    }
}

Handle wallet response

The Gateway SDK offers a Google Pay lifecycle handler for convenience. You may implement the provided Google Pay callback and use the result handler within your activity.

This eliminates the need to manually handle the Google Pay activity results and delegates the important transaction steps to the callback methods.

// YourActivity.kt

override fun onActivityResult(requestCode: Int, resultCode: Int, data: Intent?)
    {
    // handle the Google Pay response
    if (GooglePayHandler.handleActivityResult(requestCode, resultCode, data, callback)) {
    return
    }

    super.onActivityResult(requestCode, resultCode, data)
    }

val googlePayCallback = object : GooglePayCallback {
    override fun onReceivedPaymentData(paymentData: JSONObject) {
        try {
            val description = paymentData.getJSONObject("paymentMethodData")
                         .getString("description")

            Log.d(MyGooglePayCallback::class.java.simpleName,"ReceivedPaymentData: $description")
            } catch (e: Exception) {
            // handle exception
        }
        handleGooglePayData(paymentData)
    }
    override fun onGooglePayCancelled() {
        // handle cancelled
    }

    override fun onGooglePayError(status: Status) {
        // handle error
    }
}

Update a session with the payment token

Update a session with the gateway once you receive payment data from Google Pay.

fun handleGooglePayData(paymentData: JSONObject) {
    val token = paymentData.getJSONObject("paymentMethodData")
        .getJSONObject("tokenizationData")
        .getString("token")

    val request = GatewayMap()
    .set("sourceOfFunds.provided.card.devicePayment.paymentToken", token)

    GatewayAPI.updateSession(session, request, callback)
}

Payer authentication

3D Secure

3-D Secure or 3DS authentication is designed to protect online purchases against credit card fraud by allowing you to authenticate the payer before submitting an Authorization or Pay transaction.

The EMV 3DS, also known as 3DS2 in the gateway, is the new version designed to enhance security in online purchases while providing frictionless checkouts to payers who are considered low risk by the Access Control Server (ACS).

The ACS may determine the risk using information provided by the merchant, device fingerprinting, or previous interactions or both, with the payer. The ACS subjects the payer to a challenge (for example, entering a PIN) only where additional verification is required to authenticate the payer thereby providing increased conversion rates.

Supported authentication schemes include Mastercard Identity Check, Visa Secure, and American Express SafeKey.

Authentication within the mobile SDKs is limited to 3DS2 only. If 3DS2 is not available, the authentication will not proceed. However, you can still proceed with the payment if the gateway recommends you do so.

For more information about 3D Secure Authentication, see 3-D Secure Authentication documentation.

Authentication details

The embedded mobile SDK collects device metrics to send to the gateway along with your transaction information when you perform mobile SDK authentication, that is, verify the identity of a cardholder in a mobile app.

Provide as much information as possible about the payer and the transaction to increase the likelihood of the authentication being successful.

This additional information can be added to your session with an Update sessionrequest.

These metrics help the system to determine how or if to authenticate the cardholder. During authentication, the user can expect to experience one of two auth flows:

1. Frictionless: The ACS has collected enough information about the cardholder to authenticate them. No other action is needed by the user.
2. Challenge: The ACS requires the cardholder complete an additional authentication step which is to enter a onetime- password, login to their issuing bank, and so on. The embedded mobile SDK handles displaying a native device interface for this challenge. The UI for these screens can be customized by passing UICustomization params into the Gateway SDK during initialization.

For more information, see Authenticate Payer documentation.

Perform authentication

Payer authentication is considered a transaction on its own in the gateway, and therefore needs a unique transaction ID.

If you are collecting payment for an order, you can

• correlate a payment and an authentication transaction by using the same order ID for each transaction.
• each transaction is displayed as a separate transaction in the gateway web portal, such as UUID.

AuthenticationHandler.authenticate(activityContext, session, "your-auth- transaction-id", callback)

Interpret the response

The authenticate method will return an AuthenticationResponse object that contains:

• important information about the outcome, and
• actions performed during the operation.

The most important field to consume is response.recommendation. It may contain the value PROCEED or DO_NOT_PROCEED.

• PROCEED: Indicates "OK to continue with a payment or authorization".
• DO_NOT_PROCEED: Indicates something failed during the authentication operation. The AuthenticationError object can be used to determine more.

From Gateway API version 70 and above, you can get the following errors:

• AuthenticationError.recommendation_ResubmitWithAlternativePaymentDetails: Indicates that you should ask the payer for alternative payment details. For example, a new card or another payment method, and resubmit the request with the new details.
• AuthenticationError.recommendation_AbandonOrder: Indicates the payment service provider, scheme, or issuer require you to abandon the order.
• AuthenticationError.recommendation_DoNotProceed: Indicates the gateway fails the request, but there is no way for this transaction to succeed.

For more information, see the Integration guides.

AuthenticationHandler.authenticate(activityContext, session, "your-auth-transaction-id") { response ->
    when(response.recommendation) {
        AuthenticationRecommendation.PROCEED -> {
            // continue to payment/authorization
    }
    AuthenticationRecommendation.DO_NOT_PROCEED -> {
            if (response.error !=null) {
                if (response.error is AuthenticationError.RecommendationResubmitWithAlternativePaymentDetails) {
                    // "Authentication not successful, re-enter card details
                     }
            } else {
              // "Authentication not successful"
           }
        }
    }
}

If the authentication fails, you can examine the response.error, for more information about the cause.