How do I send a transaction to a specific MID and paymentOptionTag based on transaction currency?

There may be cases where you don't want to use Nexio's smart routing feature and you want to send all transactions for a specific transaction currency to one specific merchant account (MID) and payment option for that MID.

You can limit the routing by specifying both a processingOptions.merchantId and processingOptions.paymentOptionTag in the transaction request (such as Run card transaction).

The merchantId parameter is a unique code that Nexio assigns to each MID on your account.

The paymentOptionTag parameter is a custom value used to route transactions to a specific gateway or merchant account. In order to use the paymentOptionTag for routing, contact Integrations Support to designate one or more tags for your merchant account.

Before you begin setting up a paymentOptionTag and using merchantId, Nexio recommends that you understand the following notes.

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Important

  • When you specify a value for both of these parameters (processingOptions.merchantId and processingOptions.paymentOptionTag), Nexio uses only this information to process the transaction. The system will not attempt to use any other possible merchant IDs (MIDs) or payment option tags.

        Therefore, using a specific value for both of these parameters means that Nexio does not attempt any other routing, even if other routing rules have been specified in the account.
    
  • If the value provided for either merchantId or paymentOptionTag in the transaction request is invalid for the account, Nexio sends an error rather than attempt the transaction.

  • If the transaction would be disqualified because of the specified parameter, Nexio responds with an error message and does not attempt to process the transaction further.

To set up paymentOptionTag and merchantId

  1. Contact Integrations Support to learn the merchantId for each MID on your account and to designate one or more paymentOptionTags for your merchant account.

    Example 1: paymentOptionTags for USD as official currency in different countries

    MID #1
    - merchantId is 100000000039
    - USD currency for United States: usa
    - USD currency for Puerto Rico: pri
    - USD currency for Ecuador: ecu
    
    MID #2
    - merchantId is 100000000041
    - USD currency for Ecuador: ecu
    
  2. Make note of the tags that are created for your MIDs. These are not visible in the Dashboard.

    You can see the merchantId for each of your MIDs by going to the Dashboard, then Settings > Merchant Management.

Note: To get a list of all paymentOptionTags for which a currency is enabled for a given merchant ID, contact Integrations Support.

  1. For the transaction request, configure the API as follows:

    Each payment request must include the following parameters for payment routing with the paymentOptionTag and merchantId:

    • data.amount
    • data.currency
    • processingOptions.paymentOptionTag
    • processingOptions.merchantId

What happens when a transaction request includes a paymentOptionTag and merchantId?

After you complete the steps for setting up one or more paymentOptionTags and know the merchantId you want to use, the following process happens for each transaction:

  1. A consumer adds an item to the shopping cart and submits payment with a specific transaction currency.

    For example, The consumer with an address in Ecuador uses a card to pay in USD.

    Also, the processingOptions.paymentOptionTag parameter is set to 'ecu' and the processingOptions.merchantId parameter is set to '100000000041'.

  2. The Nexio system checks for the specific MID and if it has support for the transaction currency and the paymentOptionTag.

    Example 1:

    For address in Ecuador and MID of 100000000041
    
    MID #2 is the only option because it has the correct merchantId and paymentOptionTag.
    

    Example 2:

    For address in Puerto Rico and MID of 100000000041
    
    Nexio returns an error message because that MID does not include that paymentOptionTag.
    
  3. The system routes the payment to the MID or responds with an error message.


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