CreditGuard (Deprecated)

This feature is deprecated and should not be used.

CreditGuard Payments

CreditGuard provides sophisticated technology solutions for the payments industry focusing on complex needs of large merchants requiring white-label solutions.

Their services consist of a Payment Gateway, Tokenization, Anti-Fraud, Reconciliation and merchant-based Risk Monitoring.

Merchant Requirements

Potentially, the following template needs to be updated. Check that the Payment Components template contains the following code:

<script type="text/ng-template" id="/frontend/providers/components/creditguard/checkout/component.shtml">
<div class="creditcard-wrapper new-card-form">
  <div class="row">
    <div desktop class="cc_stored_cards" ng-show="!cc.payWithNew && cc.initiated">
      <div class="add-credit-card-wrapper">
        <h4>
          <t>Your credit and debit cards</t>
        </h4>
        <a href="javascript:void(0)" class="complete-purchase-button"
           ng-click="gotoNewPaymentScreen()"
           ng-show="cc.stored.length > 0">
          +
          <t>Add a card</t>
        </a>
      </div>
      <table class="payment-method-card" ng-show="cc.stored.length > 0">
        <tr class="payment-method-card-row" ng-repeat="method in cc.stored"
            ng-class="{'selected' : $parent.cc.selectedUpiId == method.id}">
          <td class="payment-method-card-cell">
            <input type="radio" name="stored_method" value="{{method.id}}"
                   ng-model="$parent.cc.selectedUpiId"/>
          </td>
          <td class="payment-method-card-cell">
            <div class="credit-card-{{method.identifier}}"></div>
          </td>
          <td class="payment-method-card-cell">
            <div>{{method.type | tc:"checkout.platform"}} *{{method.ending_in}}</div>
          </td>
          <td class="payment-method-card-cell">
            <t>Expires in</t>
            {{method.expire_month}}/{{method.expire_year}}
          </td>
        </tr>
      </table>
    </div>

    <div mobile class="cc_stored_cards" ng-show="!cc.payWithNew && cc.initiated">
      <table class="payment-method-card" ng-show="cc.stored.length > 0">
        <tr class="payment-method-card-row" ng-repeat="method in cc.stored"
            ng-class="{'selected' : $parent.cc.selectedUpiId == method.id && $parent.cc.payWithNew != true}">
          <td class="payment-method-card-cell">
            <input type="radio" name="stored_method" value="{{method.id}}"
                   ng-model="$parent.cc.selectedUpiId"
                   ng-click="$parent.gotoStoredPaymentsScreen()"/>
          </td>
          <td class="payment-method-card-cell">
            <div class="credit-card-{{method.identifier}}"></div>
          </td>
          <td class="payment-method-card-cell">
            <div>*{{method.ending_in}}</div>
          </td>
        </tr>
        <tr class="payment-method-card-row" ng-class="{'selected' : $parent.cc.payWithNew == true}">
          <td class="payment-method-card-cell">
            <input type="radio" name="stored_method" ng-click="$parent.cc.selectedUpiId = null" ng-model="$parent.cc.payWithNew" ng-value="true"/>
          </td>
          <td class="payment-method-card-cell" colspan="2">
            <t>Add a new card</t>
          </td>
        </tr>
      </table>
    </div>

    <div class="cc_new_card" ng-show="cc.payWithNew && cc.initiated">
      <div desktop class="go-back-to-cards-wrapper">
        <a href="javascript:void(0)" class="go-back-to-cards" ng-click="gotoStoredPaymentsScreen()"
           ng-show="cc.stored.length > 0">
          <t>Return to saved cards</t>
        </a>
        <h4>
          <t>Add a new credit or debit card</t>
        </h4>
      </div>

      <div>
        <div ng-show="isIframeLoadedAndNewCard()" class="creditguard-complete-purchase complete-purchase-button" complete-purchase-button
             title="{{'Pay wih CreditGuard' | t}}"></div>
      </div>
    </div>

    <div id="creditguard-add-new-card-iframe" class="creditguard-add-new-card-iframe"></div>

  </div>
  <div class="footer-modal">
    <div>
      <div ng-show="!isConfirmStepEnabled() && !cc.payWithNew" class="complete-purchase-button" complete-purchase-button
           title="{{'Complete Purchase' | t}}"></div>
    </div>
  </div>
</div>

</script>

Limitations

Only available to clients in Israel.

Supported Countries

For this payment provider, Piano supports the following countries:

Supported Countries
Israel

Please reach out to your Piano Account representative in case a currency supported by this payment provider is not listed in the table above.

Supported Currency

Piano supports the following CreditGuard supported currencies:

Supported Currencies
ILS

Supported Payment Methods

Piano supports the following payment methods for this payment provider:

Payment method name							Are renewals supported?
Credit card							Yes

Supported Features and Functionality

Feature/Functionality	Supported?
Refunds	Full / Partial
Apply Terms Wizard	Yes
My Account - Add payment method	Yes
My Account - Edit payment method	No
My Account - Delete payment method	Yes
Publisher dashboard - Add payment method	Yes
Publisher dashboard - Edit payment method	No
Publisher dashboard - Delete payment method	Yes
Tax Providers and Types	Not supported
Transaction descriptors	None
Frictionless	No
3DS / SCA	No
Account Updater	No
Fraud prevention	No
Passive churn prevention	Yes - Advanced support
Payment token import support	Yes*

*For more information about the payment token import please visit this link.

Passive Churn Prevention

It's crucial to understand how the various error codes that may arise during a payment failure are handled by the Passive Churn Prevention feature. These error codes provide insights into why a renewal attempt may have failed, enabling you to take appropriate actions to prevent churn. This section details the specific error codes encountered during a payment failure and their mapping to a decline reason.

Decline reason	Error codes
Suspected fraud	336337 (The card is in customers black list) 339	340 (The card failed the fraud detection test)
Insufficient funds	1051 (Not sufficient Funds)
Expired card	360
Card is stolen or lost	1041 (Lost card pick up) 1043 (Stolen card pick up)
Limit exceeded	352 (Unable to transmit - exceeded a daily quota) 1200 (Unable to transmit - exceeded a daily quota) 1065 (Activity count limit exceeded) 1061 (Exceeds withdrawal amount limit)
Network failure	854 (General network error)
3DS failure	903 (Could not find a matching 3DS Lookup (J107) Transaction)
Call issuer	374 (Cannot do forced transaction with this card) 1803 (Call Issuer)
Do not honor	100 (Do Not Honor) 2005 (Declined) 2006 (Declined - Do Not Honor. Failed Negative Check - Unpaid Items)
Everything else	All error codes not listed above

How to integrate CreditGuard with Piano

You can input your CreditGuard account information into the Piano dashboard by clicking Edit Business→Payment Provider→CreditGuard(Add New).

To integrate CreditGuard with Piano, have the following information ready to enter into the form fields and then click Save:

Title: The name of this integration (for your reference only)
User: Your CreditGuard account user.
Password: Your CreditGuard account password.
Terminal: Enter your terminal number. It is used for purchases with a new card.
Terminal2: Enter your terminal 2 number. It is used for renewals, upgrades, or purchases with a saved card.
Merchant ID: Your CreditGuard Merchant ID.
Currencies: Only ILS (Israeli Shekel) is currently supported for this payment provider.

UI custom data: Here you can define UI custom data in JSON format, that will be shown to users in checkout.

For example, adding the below code:

{
    "userData":
    [
        {
            "id": 1,
            "label": "First name",
            "required": true,
            "size": 250
        },
        {
            "id": 2,
            "label": "Last name",
            "required": true,
            "size": 250
        }
    ]
}

Will show the first and last name as mandatory checkout fields in the payment form:

Last updated: July 02, 2026