Victoriabank is the third-largest bank in the Republic of Moldova, operating since 1989. If you have a corporate account with Victoriabank, you can quickly set up acquiring integration and start accepting payments directly to your account in Moldovan lei.
For stores on Cartum, acquiring integration with Victoriabank is available, allowing you to set up online payments in a few simple steps.
How an online store can start working with Victoriabank acquiring
Before you begin, please read the information below carefully.
To be able to accept payments on your website via Victoriabank, follow these steps:
Contact the bank, provide a description of your business activity, and complete the approval procedure.
After approval, the bank will provide the Merchant ID and Terminal ID parameters for making a test connection.
In the Cartum admin panel, generate the keys for connection.
Send the bank by email the information specified in the Enabling the integration section of this guide.
Complete the integration activation and run a payment test.
The test results are approved by the bank’s ecom.admins specialists.
The bank’s Card Acceptare department checks that the website complies with all mandatory requirements of international payment systems according to the provided checklist.
After successful completion of testing and the website check, sign an e-commerce services agreement with the bank.
After signing the agreement and registering the website in the payment system, the store can accept payments from customers.
What is required to activate the integration in the store
To activate the integration, you need to:
Set the currency on the website to MDL. The payment system also supports EUR and USD.
Connect the Victoriabank integration in the Cartum admin panel.
In the admin panel, go to Settings → General settings → Checkout and check the Email required box.
Send the integration details to the bank and complete all approval procedures with the bank.
Set up the appropriate payment method and the delivery methods for which this payment method is available.
Enabling the integration on the website
To enable the integration in the Cartum admin panel:
Go to Settings → Payment systems and find the Victoriabank block.
Enter your store legal name in the Merchant name field.
In the Merchant address field, you must enter the company’s complete legal address (registration address) or its office address, including the country. This information is displayed on the bank’s payment page when the customer enters their bank card details, so it is important that the specified address is current and correct.
Click Generate keys to generate the Public key and Private key files. After generation, the Public key will be available for download.
Save the changes.
Please fill out the Merchant name and Merchant address fields carefully — this information will appear on the electronic payment receipt.
Data to be provided to Victoriabank
After activating the integration in the Payment systems section, you need to send the following information to the bank:
Public key — the file from the corresponding field in the settings;
Merchant URL — your website address;
Notification URL — the link for receiving responses (copy it from the corresponding field);
Your email — the email address for receiving backup copies of notifications.
This data must be sent by email to the bank’s email addresses: [email protected] and [email protected]
Please carefully verify the data before sending.
If you already have a Public key and Private key
If you have a Public key and Private key that you used before, you can upload them instead of generating new files. However, you will need to pass the bank’s verification in order to use payments on the new website.
You also need to undergo re-verification if you change the website domain.
If you need to replace the keys generated in the Cartum admin panel, delete the existing keys and generate new ones. The new Public key will need to be emailed to the bank at the specified addresses.
Setting up the Online payment Victoriabank payment method
In Settings → Payment methods, select the payment method Online payment Victoriabank.
Make sure that the Type field is set to VictoriaBank.
If necessary, specify your own name and edit the settings.
Enable the payment method by checking the Enabled checkbox.
Click Save.
Selecting online payment when placing an order
After enabling and setting up the payment method, you need to choose for which delivery methods this payment method will be available:
Go to Settings → Delivery methods and click the required delivery method to edit its settings.
In the Payment methods field, check the Online payment Victoriabank checkbox.
Click Save.
Now, when selecting the relevant delivery methods, customers will be able to choose Online payment Victoriabank and proceed to payment for the order immediately after checkout. If online payment moderation mode is enabled on the website, it will also apply when selecting this payment method.
Processing orders paid via Victoriabank
Once the customer has successfully placed an order and paid for it on the Victoriabank payment system page, the funds on their card will be held.
The order payment status will change to Payed: Yes.
In order for the funds to be debited and transferred to the store, you must confirm that the order can be shipped to the customer. To do this, click Capture payment in the order details. If the order cannot be fulfilled, click Cancel payment, after which the customer’s funds will be unblocked.
If, after successful payment and crediting of funds, you need to issue a refund to the customer, click Refund in the order details. The order payment status will change to Payed: No. The funds will be refunded to the buyer within the timeframe specified by the bank.
Electronic receipt for order payment
Once payment is confirmed, the buyer will receive an email from the store containing the order details. The email will be sent to the email address provided when placing the order.