Perhaps you have heard or been told about secure or insecure payments in Redsys.
What do they consist of or what is their difference?
Basically, the difference between a secure payment and an insecure one is what actions will be requested in Redsys. In a secure payment, when the customer is redirected to Redsys, they will receive an SMS with a code, or they will be asked for a key written on a card filled with keys, or any of the other methods that exist to verify that the buyer is not using a stolen card. In the insecure payment, these verifications will not be performed.
As you may realize, the secure payment is slower and “more annoying” for the buyer, as they are forced to take more steps, but we ensure that the buyer is the owner of the card, and in the case of fraud (depending on the bank), the payment is covered by insurance. With the insecure payment, the customer will only be asked for the basic data to make the charge, making the shopping experience much simpler and more comfortable for the buyer, but more dangerous for the merchant, and in the case of card theft, as a rule, the bank will not cover the cost.
Many merchants choose to adopt both types of payment, secure and insecure, so that up to a certain amount (what the merchant finds acceptable), an insecure payment will be made, and above that amount, a secure payment will be made. This way, small amounts can be paid in a simple and quick manner, and larger amounts can be paid securely, ensuring we are covered in case of fraud. But how can this be done with Redsys and WooCommerce? Through the Premium Redsys plugin that you will find on WooCommerce.com, this is quite simple.
The Premium Redsys plugin has the option in the extension settings to activate two terminals and set from which amount one terminal will be used and when the other will start being used. Thanks to this configuration, we can set when we want to make a secure payment and when not, so we will not be tied to always making secure payments, which may be excessive for charging only €20 and could cause customers to abandon the purchase, or always insecure payments, which risks them making a purchase of, for example, €300 and us losing it.
Is it advisable to use two terminals?
Well, it depends on the business you have, but if you sell from inexpensive items to expensive ones, or the sum of many of your products can be a large amount, I advise you to enable both secure and insecure payments. Sending customers to insecure payments increases the final conversion rate, and sending all users to secure payments decreases conversion. This is the real reason to maintain a balance between insecure payments, secure payments, and our protection against fraud. Through the premium WooCommerce plugin for Redsys, you can do this without any problem.
