When using the Kount SDK all credit card information, by default, uses the KHASH encryption method where the credit card information is irreversibly hashed prior to transmission from the merchant to Kount.
When using the JAVA or .Net SDKs (due to the compiled nature of the languages) KHASH is the only option for payment encryption. JAVA or .Net environments must use a direct post (outside of the SDK) method if MASK encryption is chosen.
If not using the SDK the following encryption options are available.
Kount proprietary hash used to hash the credit card number before passing it to Kount. The hashing algorithm source code can be found in each one of the SDKs or can be requested from Kount.
- PTYP=CARD PENC=KHASH
Output - BIN + 14 alpha-numeric characters. Example - 123456A12C34E56G7DFG
Ability to pass the first six and last four of a credit card filled in with XXXs. PENC=MASK is only valid with PTYP=CARD
- PTYP=CARD PENC=MASK
Output BIN + 9 capital “X” characters + Last 4 of credit card. Example - 123456XXXXXXXXX7890
NOTE: The “X” characters must all be capital “X”.
IMPORTANT: The above example value is just for purposes of illustration. The PTOK should be the samelength as the original card number. You can use the card number with the first 6 and last 4 numerals present and the rest of the numbers in the card masked by “Xs” but the number of characters must be the same as those of the actual card number.