Common terms and definitions used in QTILL documentation.


Acquirer or acquiring bank

An acquirer is a special form of financial-service-provider for credit cards. Merchants are screened and accepted into the acquirer’s credit card program for which merchants need to conclude corresponding acceptance contracts. To process credit card data, Payment Card Industry Data Security Standard (PCIDSS) needs to be fulfilled which can be handled by a payment service provider.

Address Verification System (AVS)

A system primarily used to combat fraud that verifies whether the billing address of the credit card matches the address that was given by the consumer in the online shop. I.e. the system checks the billing address of the credit card provided by the consumer with the address on file at the credit card company.

For further information and details go to the Address Verification System.


Alphanumeric is a combination of alphabetic and numeric characters and is used to describe the collection of Latin letters and Arabic digits or a text constructed from this collection.



A boolean data type is a data type, having two values (usually denoted "true" and "false"). Some request parameters are of this data type.
The possible values are:








A customer is a person who bought and uses QENTA Payment CEE solutions and services. In the context of QENTA, a merchant is a customer.


A consumer is a person who purchases real or digital goods in an online shop.


Financial service provider

Typical financial service providers (FSP) are credit card companies, banks and banking systems. Their field of activities includes accepting money transfer requests, approval or denial of transactions and processing of payments. Since every payment request needs to be processed, the payment service provider, i.e. QENTA, transmits the payment information to the respective financial service provider. The payment is approved or denied and corresponding information is sent back to the payment service provider. Merchants need to close appropriate contract(s) with a financial service provider(s) depending on the payment methods they want to offer. The processed amount is transferred to the corresponding merchant’s account by the FSP.


Issuer or issuing bank

Institutions such as banks, credit unions, savings and loan associations or even retailers, that issue credit cards to consumers and provide them with a credit line.



A merchant is the owner or operator of an online shop. This is typically a customer of QENTA Payment CEE using our solutions.

MOTO (Mail Order and Telephone Order)

MOTO stands for accepting credit and debit cards by phone or via e-mail to settle a purchase, i.e. the consumers enter the website from any computer, select an item or a service and call or e-mail the merchant in order to place an order.

Go to Credit Card -Mail Order and Telephone Orders to learn more about the possibilities QENTA offers to handle MOTO transactions.


One-Step Transaction

With the transaction, a deposit is done immediately and there is no payment approved state.

Most alternative payment methods have this as a default configuration, but some can be changed to two steps. See the specific payment method for details.

Online shop

An online shop is a virtual shop accessible from a browser on a desktop computer, tablet or smartphone. In some cases also native apps for iOS or Android devices are called online shops, although this is not always appropriate from a technical point of view.



The Payment Card Industry Data Security Standard (PCI DSS) is a binding set of rules and procedures established by four major credit card companies (Visa, Mastercard, Discover and American Express) in 2004 and is aimed at companies that accept credit cards as a payment method. The primary objective of PCI DSS is the prevention of fraud and theft of credit card data on the Internet. Visit PCI DSS for further information and details.

Partial capture

When the payment of a certain amount is authorized, some financial service providers offer a one-off deposit of less than the authorized amount. If e.g. the price of the item the consumer ordered is reduced. Not to be confused with split capture.

Payment method

Payment method is a specific way the consumer selects for purchasing a product in the online shop. Typical payment methods are credit cards, direct debits, invoices, or installments.



The PCI DSS Self-Assessment Questionnaire (SAQ) is a tool that may be used to determine whether the online shop meets established PCI DSS requirements. Different versions of the PCI DSS SAQ are available to cover all possible merchant scenarios. Visit the Instructions and Guidelines Document and Select and download the SAQ for further information and details.

Split capture

When the payment of a certain amount is authorized, some financial service providers offer to deposit the total amount not in one single deposit but in multiple smaller deposits. E.g. when shipping only some items of the consumer’s shopping basket, a merchant can make deposits for each separate shipping up to the total authorized amount (e.g. 100 authorized, 2×50 deposited). Not to be confused with partial capture.



A (financial) transaction is a communication carried out between the consumer of the online shop, the merchant and the financial institution to exchange an asset for payment.

Two-Step Transaction

First, authorization is performed. This means the amount is reserved, but no money flow will be triggered automatically.
A deposit is the second step. After this, the money will be charged from a consumer account.

3-D Secure

Security approach originally developed by Visa for online credit card payments with the main objective being the reduction of fraud and credit card abuse. By offering 3-D Secure, merchants benefit from payment guarantees and will receive the outstanding amounts even in case of a consumer payment default (a liability shift from the merchant to the card issuer takes place).

During the payment process, the consumer first enters the credit card number. A connection is established to the card issuer and the consumer is prompted to enter the 3-D Secure code which is only known to him in order to prove that he is the authorized card holder. After successful authentication, the transaction is carried out.

The 3-D Secure code is defined by the cardholder during the registration process and must not be confused with the 3 or 4-digit CVC code which is printed on the back of a credit card. The most common services using 3-D Secure are American Express SafeKey, Visa Secure, and Mastercard ID Check.