This article is for users of MyOpayo in the UK and Ireland. In this article, we’ll guide you through how to navigate MyOpayo and how to search for, and report on, transactions and declined payments. You’ll also find information on 3D Secure, Address Verification (AVS) and Card Verification (CV2).
What is MyOpayo?
MyOpayo is a secure online portal where you can view Card Transactions (online and Chip and PIN) processed through your Spektrix system. In MyOpayo, you can search for payments and investigate why payments have been declined.
You can also report on transactions and set up and view 3D Secure, Address Verification System (AVS) and Card Verification (CV2) rules.
How do I log into MyOpayo?
Go to MyOpayo to access the login page. You’ll see the following screen:
Enter your Vendor Name, Username and Password. Contact Support if you don’t know your Vendor Name.
TIP: Our Support Team can’t reset/unlock passwords or create new users. If you have forgotten your username or password, click the Reset/Unlock your Password or Recover your username links below the login screen.
If you don’t have a login for MyOpayo, contact the administrator or finance team in your organisation.
How to search for individual transactions in MyOpayo
You can search for payments using the Transactions and Card Machine Transactions menus.
Chip & PIN transactions take 24 hours to show in MyOpayo.
Transactions
The Transactions menu will display all your online (Ecommerce), phone (MOTO) and Continuous Authority transactions.
You’ll see the following columns:
- Customer Name
- Transaction Type
- Transaction Code (TX code in Spektrix)
- Amount
- Date and time of the transaction
- Results of the security checks (3D Secure, AVS and CV2)
Not all columns will be visible. If you want to add a column, follow the steps below. In this example we’re adding the Last 4 digits column:
- In the Transactions menu, scroll to the bottom of the screen and click show/hide columns:
- In the select columns screen, check the Last 4 Digits box:
- Add any other columns if required
- Click the X in the top right corner to save your changes:
Basic Search
To perform a basic search, select the date range, report range and result. The search results will automatically update:
Advanced Search
To perform an advanced search, click Advanced:
Under the Advanced menu, you can search using the following:
- Payment Type: The type of card used in the transaction
- Account Type: Ecommerce, MOTO, Continuous Authority
- Transaction type: Payment, Refund
- Vendor tx code: The Tx code found in the Order history in Spektrix
- Amount: Total Order value
- Last 4 digits: Last 4 digits of the customer’s card
Select the date, report range and result. Enter your criteria and click Search.
Card Machine Transactions
The Card Machine Transactions menu will display all your Chip & Pin transactions.
REMINDER: Chip & PIN transactions take 24 hours to appear in MyOpayo.
You’ll see the following columns:
- Transaction Type
- Date and time of the transaction
- Amount
- Currency
- Payment type
- Bank authcode
- Last 4 digits of the card number
TIP: To search using the last four digits of the card number, press Ctrl + F on your keyboard and type the last four digits of the card number. Any matching results will be highlighted.
TIP: If you can view a transaction in Spektrix but not in MyOpayo, it's likely that this is an ambiguous payment which was confirmed in Spektrix, despite the payment not reaching Opayo.
How to check the reason for a failed authorisation
Under the Transactions menu, you can see which transactions have failed and the reason why.
To check a failed transaction, follow these steps:
- In the Transactions menu search for the transaction
- The failed transaction will display in pink:
You’ll see different the following columns next to the transaction:
- CV2: The customer's 3 digit card security number
- Add: First line of the customer's address
- PC: Post Code
- 3D: 3D Secure result
- T3M: Third party fraud score that Opayo applies to all transactions
When a transaction is processed, a number of checks will take place:
- 3D Secure
- Address Verification
- CV2
The CV2, Add, PC and 3D columns show different coloured shields depending on the result:
- Green: Matched
- Red: Not Matched
- Stripe: Not Provided
- Grey: Not checked
To learn more about why a payment has failed, double click on the failed payment and then look at the Summary tab:
To view detailed 3D Secure, AVS and CV2 Results, click on the Fraud Results tab. You’ll see the following screen showing which checks have passed and failed:
To learn more about declined payments, read Troubleshooting Error codes.
How to report on transactions
You can report on transactions within MyOpayo by running the following reports:
Transaction Report
A Transaction report displays all the transactions within a specified period and whether they were authorised or declined. You can report on the following:
Ecommerce, MOTO and Continuous Authority Transactions
To report on Ecommerce, MOTO and Continuous Authority Transactions, follow these steps:
- Within the Transactions menu at the top, click Transactions from the left hand menu:
- Select the report range buttons to filter Daily, Weekly, Monthly, Annually. Select whether you want to view All, Successful or Failed transactions:
- To perform an advanced search, click Advanced:
- If using Advanced search, enter your criteria and click Search:
- Once your search results are displayed, click Export to CSV:
Card Machine Transactions
To report on Card Machine Transactions, follow these steps:
- Click Card Machine Transactions from the top menu:
- Select the report range buttons to filter Daily, Weekly, Monthly, Annually. Select whether you want to view All, Successful or Failed transactions:
- Once your search results are displayed, click Export to CSV:
Summary Report
A Summary report displays the total volume of transactions in and out, the value of transactions in and out, the total volume and net value. To run a Summary Report, follow these steps:
- Within the Transactions menu at the top, click Summary:
- Select the report range buttons to filter Daily, Weekly, Monthly, Annually:
- Click the + icons next to Successful and Failed payment types to see the currency type:
- Press + icon again next to the currency type to see the separate summarised totals for Ecommerce, MOTO and Continuous Authority:
- Click the + icon next to Continuous, Ecommerce and Moto and then click the + icon next to Gateway to break these down by Credit and Debit cards:
- Click the + icon next to Credit and Debit down display individual card types:
- Click the + icon next to the card type to view a summary of Payments and Refunds:
Settlement Report
The Settlement report will show all the funds that have been credited to your bank account.
To run the Settlement report, follow these steps:
- Within the Transactions menu at the top, click Settlement:
-
Use the report range buttons to filter by day, week, month or year:
-
Each batch will be identified by a unique Batch ID. Usually there will be one batch per date, but check the date column carefully in case several batches have been generated:
-
The columns to the right will show the number of payments and refunds and their values, the total transactions processed and the Net Amount:
-
Click anywhere on the row to open up the individual payments contained within each batch, then click + icon to view the customer details in the Batch Detail Report screen:
- Save Settlement Report as a CSV by scrolling to the bottom of the screen and clicking Export to CSV:
3D Secure Rules
3D Secure (3DS) is a method of authentication which provides an additional layer of security against fraudulent transactions. 3D Secure verifies online card payments using the cardholder’s identity.
When a payment is made online or over the phone you’ll see the results of 3D Secure checks in MyOpayo.
To learn more about 3D Secure and how to change your 3D Secure rules read our article about 3D Secure and Strong Customer Authentication.
Address Verification (AVS) and Card Verification (CV2) Rules
Address Verification
Address VerifIcation (AVS) validates that the address details provided during a sale match the billing address held at the customer’s issuing bank.
Card Verification
Card Verification (CV2) is a check performed on the card used for payment. The check verifies that the three or four digit security code on the card is the correct code for the card being used.
When a payment is made online or over the phone, you’ll see the results of the AVS and CV2 checks in MyOpayo.
To learn more about AVS, CV2 and how to change your rules, read our article on Address Verification Service (AVS) and Card Verification checks (CV2).
This article should give you the information you need to use MyOpayo. To learn more about payments, visit the Manage Payments section of the Support Centre.