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Documentation Index

Fetch the complete documentation index at: https://bancofcalifornia-preview.mintlify.app/llms.txt

Use this file to discover all available pages before exploring further.

  1. Extensions
  2. Gateway Components (Gateway.js)
Kount Data Collector integrates seamlessly into your checkout pages using BancEdge’s Payment API or Collect.js. Gather essential data during the checkout process. Kount Fraud Management sets the industry standard with its advanced AI-driven solutions designed to prevent fraud in eCommerce, mCommerce, and card-not-present transactions. What sets Kount apart is its use of adaptive AI, combining both supervised and unsupervised machine learning to deliver real-time risk analysis and fraud detection. Kount effectively identifies and blocks fraudulent transactions by analyzing numerous data points before a transaction is processed. The Kount Data Collector plays a crucial role in this process, and we’ve made it easy to integrate into your checkout pages using our Payment API or Collect.js. Running seamlessly in the background, the Kount Device Data Collector gathers essential data as customers proceed through the checkout process on your eCommerce site, ensuring robust fraud prevention without disrupting the user experience.

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Kount Variable

When a customer is on a payment page, the Kount library will provide the following, which you must submit to the payment API in order for Kount to function properly:
VariableDescriptionWhen Received
transaction_session_idA single use session ID used by Kount to link the transaction and Data Collector information together.This ID should be generated every time a payment form is loaded by the cardholder, and be random/unpredictable (do not use sequential IDs). This ID should not be reused within a 30 day period.After the Kount data collector has run

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Quick Start Guide

1

Initialize Gateway.js

Start with the Initialize Gateway.js guide.
2

Initialize Kount

kount = gateway.getKount()
3

Run the Kount Data Collector

Call Kount’s createSession() and use then() to retrieve the session ID.
  • If running Kount with Collect.js: Render a Collect.js form to collect the credit card information. Use Collect.js’s configure() method to supply a callback. The callback will provide the Collect.js payment token in place of the credit card details.
4

Create a Javascript object with the details of the transaction

The details should include:
  • cardNumber, cardExpMonth, cardExpYear,
  • currency, amount,
  • email
  • city, address1, country, zip,
  • first_name, last_name, and
  • transaction_session_id.
If running Kount with Collect.js, paymentToken will replace card details.
Session IDs need to be provided to the payment API. If you don’t pass a Session ID, Kount will not run correctly.The Kount data collector should be run immediately on a payment page, and may be run multiple times. Each call to createSession() will return a session ID. When submitting, use the latest value.
5

Submit the transaction data via the Payment API with your private key

Send the full transaction payload, including transaction_session_id, in your server-side Payment API request.

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Example

<html>
    <body>
    <script src="https://secure.nmi.com/js/v1/Gateway.js"></script>
    <script>
        // Initialize Gateway.js, use own Public Key
        const gateway = Gateway.create('collect_checkout_0000000000000000000000000');

        // Initialize the Kount service
        const kount = gateway.getKount();

        // Run Kount
        kount.createSession().then((res) => {
            //Store session id
            const transactionSessionId = res;

            //Code goes here...
            console.log(transactionSessionId);

        });

        // Listen for any errors that might occur
        gateway.on('error', function (e) {
            console.error(e);
        });
    </script>
    </body>
</html>
Testing CardEase 3DS Server Integration