Merchant E-commerce

Onboarding:

1. Merchant approaches Acquirer with application for e-commerce business.
2. Acquirer validates Merchant acceptance criteria's and signs a financial agreement (service charges, etc.)
3. Nets Estonia receives new e-commerce Merchant application from Acquirer.
4. Automatic process builds a personal test account in test environment and sends automatic email with test environment access codes, references to specification etc. to Merchant. Now Merchant can start integration process/development. Merchant production account is created at the same time in e-commerce application production system with disabled status.
5. In due time (week/months later) Merchant informs that development work/integrations is completed and Merchant requests review of the test system.
6. Nets Estonia certification engineer reviews the Merchants (test) e-commerce shop and makes test purchase, verifies the data elements in messages.
7. If technical part of Merchant solutions is APPROVED, then website overall review is performed (that the Merchant has return policy, that the card payment is clearly advertised that the rest of VISA and Mastercard rules are followed etc.) This step is performed by Nets Estonia certification engineer and communicated to bank. Bank may conduct additionally similar assessment as well).
8. Nets Estonia and Acquirer decide, that Merchant can go live.
9. Nets Estonia client service receives Merchant status change application from Acquirer and the status is changed to "open".

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