Payment process configuration

Configure your payment processing

1. In the Unity Portal, go to Merchant setup > Sites.
2. Select a site.
3. In the Services tab, click Edit next to Pay by Link service.
4. Click Payment Page Configuration.
5. Select an option from the Store card consent preference drop-down:
   • Ask for consent (default): Display a consent checkbox on the payment page. Customers can choose whether to save their card. This enables future card-on-file (COF) transactions and merchant-initiated transactions (MITs).

     This option only works for single-use links where the customer ID is provided during link creation.

   • Consent already obtained: Skip the consent request on payment page. Use this when you've already obtained consent elsewhere (e.g., during registration). Cards are automatically stored for future use.
   • Don't ask for consent: Never request or store payment methods. Card-on-file components won't be rendered and merchant-initiated transactions (MITs) won't be possible. If selected, a warning about MIT and COF capabilities being disabled is displayed. Click I understand to proceed. This is the most restrictive option but ensures maximum privacy.
6. Choose whether or not to apply 3DS exemptions:
   • If you tick Apply Exemption (recommended), we'll automatically apply 3DS exemptions (TRA, LVP, SecureCorporate) when available to reduce payment friction and improve success rates. TRA exemption is prioritised when multiple exemptions are available.
   • If you leave it unticked, all eligible transactions will go through full Strong Customer Authentication. This offers higher security, but may increase payment friction and lead to lower conversion rates.
7. Click Save in the top right to confirm.

Your payment processing settings are applied to all existing links and will automatically apply to any new ones.

Best practices

Card storage settings

• Choose Ask for Consent for optimal flexibility.
• Use Consent Already Obtained only when legally compliant.
• Consider customer privacy preferences.

3DS exemptions

• Keep exemptions enabled for better conversion rates.
• Monitor success rates and fraud levels.
• Adjust exemptions based on your risk tolerance.