Cyprus JCC Payment Systems Integration Guide in Webito

JCC Payment Systems Cyprus Bank Gateway

JCC Payment Systems is the national electronic payment clearinghouse and card processor for the Republic of Cyprus, jointly backed by major Cypriot financial institutions including Bank of Cyprus, Hellenic Bank, and Eurobank. Webito provides a native, zero-latency integration with JCC's REST Gateway, enabling seamless credit card acceptance (Visa, Mastercard, Maestro, AMEX) directly into your Cyprus corporate bank account.

1. Key Business Benefits of JCC in Cyprus

• Direct Euro (€ EUR) Settlement: Customer card payments deposit directly into your Cypriot corporate IBAN without intermediary foreign exchange fees.
• Strict 3D Secure v2 Compliance: Minimizes fraud liability and chargebacks through automated biometric and SMS-OTP mobile banking authentication.
• Enterprise 99.98% Gateway SLA: High-availability direct routing to gateway.jcc.com.cy using mutual TLS encryption.
• Automated Dashboard Refunds: Issue partial or full transaction refunds directly from the Webito admin order screen without manual bank portal reconciliation.

2. Integration Credentials & Requirements

To accept live payments through JCC, execute a Merchant Acquiring Agreement with JCC Payment Systems Ltd and obtain:

3. Step-by-Step Configuration in Webito

1. Navigate to Plugins & Integrations > Payment Gateways in your Webito Admin Console.
2. Select JCC Payment Systems and click Configure.
3. Fill in your Merchant ID, Acquirer ID, and Merchant Password.
4. If testing on a staging or development environment, toggle Sandbox Mode to use gateway-test.jcc.com.cy.
5. Click Save Settings and switch the plugin status to Active.

4. Technical Payment Lifecycle & Verification

Webito orchestrates JCC transactions through an asynchronous three-step flow:

1. Order Registration (register.do): Webito converts order amounts into minor currency units (cents) and registers the intent with JCC. JCC issues a unique orderId and hosted payment page (formUrl).
2. Hosted 3DS Customer Checkout: The buyer completes card entry on JCC's PCI-DSS Level 1 compliant secure portal and passes 3D Secure verification.
3. Server-to-Server Verification (getOrderStatusExtended.do): Upon customer return, Webito verifies the transaction directly with JCC servers. The order is only marked PAID when orderStatus === 2 (actionCodeDescription: "APPROVED").

jsonCopy
{
  "orderStatus": 2,
  "actionCode": 0,
  "actionCodeDescription": "APPROVED",
  "amount": 4900,
  "currency": "978"
}

5. Automated Refunds & Void Management

If an order is cancelled or adjusted, click Issue Refund on the order detail page in Webito. Webito automatically calls JCC's /payment/rest/refund.do endpoint, returning the cleared funds to the customer's card without requiring manual paper slips or bank portal logins.