With direct integration, your merchant's website (complete with secure certificate) captures the user's personal and credit card details and then forwards these behind the scenes to the secure Cardstream gateway. Cardstream then performs any necessary fraud and security checks, clears the payment with the acquiring bank and sends a response back to your merchant's website, which then delivers a formatted response back to the customer.
Direct integration is more complex than the hosted forms method, but it does mean that the entire shopping process can occur within your merchants' websites, providing a seamless experience for their customers.
For standard Visa and MasterCard Testing use merchant ID 100001, or for 3D Secure Testing use 100856.
As a white label payment gateway Partner, the direct integration is fully branded as your own; sits on your URL with your logo and branding; and provides your merchants with your own test credentials.