Factors to Consider

When choosing Nuvei product sets that best suit your requirements you should take a number of factors into account. These are some key factors to consider:

1. Your industry segment and business needs.
   • Whether you need to process single payments, repeat customers, or recurring payments.
   • Does your business activities fall into the scope of the PSD2 directive, or into 3D-Secure v1 Strong customer authentication.
2. The size, skill set, extensibility, and availability of development resources.
3. PCI DSS certification level. For example each Nuvei product set (integration type) specifies the required level of your involvement in the collection of customer credit card details, as well as your PCI reporting responsibilities, as described below:
   

   Nuvei Integration Type	Who Collects Card Details	Merchant PCI Responsibilities
   Pure API	The merchant - Collects from their checkout or payment page	Submit the Detailed SAQ-D form Agree to conform to the required security standards Perform quarterly scans
   Hosted Payment Page	Nuvei - Using Nuvei Checkout Page	Submit the Simplest SAQ-A form (which states that you outsource PCI to Nuvei)
   Web SDK Fields	Nuvei - Collects directly from the merchant page	Submit the Simplest SAQ-A form (which states that you outsource PCI to Nuvei)
   API methods: cardTokenization safecharge.js	The merchant - Collects and passes it to Nuvei directly from their frontend	Submit the Moderate SAQ-A EP form (shorter than the SAQ-D) Agree to conform to the required security standards Perform quarterly scans

Nuvei Checkout Page Compared to Web SDK

Nuvei products (Integration Methods) fall into two main solution sets, Checkout Page and Web SDK. We will discuss some key features of these solution sets.

Features Compared

Product	Quick Integration	Customization	PCI	Multi-PSP	Notes
Checkout		Logo and Main colors			• Basic customization support. • No control over UI/UX.
Web SDK		Full			BEST OPTION: Having full control, PCI, and a simple integration process.
Pure API (REST)		Full	*		• 3D Secure flow to be fully implemented by the merchant. • Full control over the process.

* A merchant that wishes to descope PCI can combine API with SDK.

Checkout Page Features

The Nuvei Checkout Page provides the quickest way to integrate to Nuvei and benefit from all our features in a single solution.

• You only need to load the page via IFrame or by full page redirect and all features and functionalities are seamlessly integrated.
• It provides the full range of payment methods – credit and debit cards, eWallets, bank transfers and local payment methods, presented smartly to the customer, based on their IP address.
• The page handles all complex interactions with the card issuer, such as 3D-Secure verification and is fully compliant with PSD2.
• The payment page also provides useful features such as currency conversion, decline recovery functionality, different page layouts and styles based on the customer’s device, quick deposit and withdrawal functionalities, creation of subscriptions, as well as eKYC.
• The Checkout Page can be used to collect only the card data from the customer, as well as personal details, billing and shipping details, which can then be passed to the merchant.
• Using the Checkout Page requires the lowest level PCI SAQ form – SAQ-A, and is perfect for merchants who wish to completely descope PCI.
• The Checkout Page can be customized with a number of different validations and checks aimed at preventing duplicate charges, and to establish a one-to-one relationship between customer and card or account, etc.
• In addition, you can even perform basic customization of your checkout page via the Page Builder menu located in the Control Panel.

Web SDK and REST API Features

The Nuvei Web SDK and REST API products provide you with a flexible, dynamic payment solution, that is fully customizable, but at the same time requires higher development effort.

• The Web SDK is a JavaScript library that you can use on your own checkout page to perform end-to-end payments.
• The strength of the Web SDK is its integration simplicity, yet completely freeing from any PCI overheads and responsibilities, while giving you complete control over the UI and UX.
• The considerable benefit of integration simplicity is especially valuable when you consider the complexities involved in the new 3D-Secure v2 mandated by the card schemes. The 3D-Secure v2 mandate introduces a new compulsory flow that turns any API based solution (including Nuvei’s) from a simple API call to a complete workflow implementation, which requires a thorough understanding of 3D-Secure v2.
• REST API offers an array of methods that allow customers to one-time or recurring payments, perform settlements, refunds, voids, or payouts, and manage user and payment method data stored in our system.
• By combining Web SDK, for accepting payments under the 3D-Secure v2 mandate, with REST API methods, for all the other operations, merchants can build the payment flow entirely on their side, and benefit from retaining control over all the processes. However, the price to be paid for this level of control, is the increased merchant development effort required to implement features, which would have been provided by our Checkout Page, seamlessly.