Tutorial 2.3: Configure my payment gateways

To accept payments online you need a relationship with a payment gateway. A Payment Gateway is a service that authorizes and processes payments for online retailers in real-time. Payment gateways encrypt sensitive information, such as credit card numbers, to ensure that information passes securely between the customer and the merchant.

There are a couple of key decisions that need to be made in regards to payment gateways when deciding to setup an online shop.

1) Are you going to use a seamless or a non-seamless payment gateway? A seamless payment gateway is one that processes credit cards directly on your online shop website without redirecting the purchasing customer to any 3^rd party website. The whole transaction is seamless and takes place in real-time. On the other hand a non-seamless payment gateway such as PayPal will redirect the purchasing customer to the PayPal website to process the payment and will redirect the customer back to the online shop after this has been completed.

2) Are you going to sell in many currencies or one currency? Its likely that for every currency you wish to sell in, you will need a payment gateway account as well as a relevant merchant account with your bank that accepts that currency. However refer to any of the supported payment gateways or your bank for details.

NOTE: Its important to note that non-seamless payment gateways adversely affect the successful completion of online shopping transactions. Customers are often frightened by the fact that they are redirect to a 3^rd party website and terminate the transaction. In other instances the prolonged nature of these transactions can also affect the customers desire to go ahead with the sale. As such it is our recommendation that customers use a seamless payment gateway. The pro of a payment gateway such as PayPal is that it accepts payments in many currencies and is extremely affordable.

Diagram of seamless payment gateway

Must I use a payment gateway?

You can elect not to use a payment gateway and still receive payments through your site. Payment Gateways are great because the sale goes through (almost) instantly, and both you and your customer receive appropriate feedback that the payment has been received. However, the system also allows you to process payments offline, which means that the customer's credit card details are sent to you so that you can process it yourself, in your own time.

Complete list of currently supported payment gateways

For a Complete list of Payment Gateways see HERE

Setting up a 'seamless' gateway

We support a number of seamless payment gateways, for example in the US we support Authorize.NET [1], in Australia we support eWay [2] and eSec [3] within our eCommerce tool. You will need to have a 'Merchant ID' or 'Customer ID' with any one of these payment gateways. If you don't yet have a merchant account please visit one of these providers to setup an account. To link your shopping cart to these payment gateways through the system, you DO NOT need to do any of the coding.

After logging into your admin part of your site, navigate your mouse to eCommerce -> Payment gateways. You need to select the country you want to assign this gateway to first.

Then you will notice a number of payment gateways to choose from. For testing use the relevant test gateway, when you are ready to 'go live' ensure your Merchant ID is added and Save it against your relevant gateway provider.

Paypal

Setting up Paypal[4] account

PayPal is a globally accepted payment system that enables you to collect payments from your customers in most popular currencies. It is a non-seamless method of accepting payments.

To use PayPal as your gateway with your website you need to first create a PayPal Business Account. There is no charge to setup this type of account.

Customers who wish to buy products from you do so online on your website. When customers check out they confirm their order and provide shipping and billing details using our system. However when the user is ready to provide credit card details he or she is directed to the PayPal website (i.e. they leave your website). The payment is processed securely on the PayPal website and the result of the payment is returned to us in a background process.Your customers are directed back to your website after the transaction has been completed.

Your website will automatically create an order, invoice and email a copy to your customers. You have the option to launch a workflow process that can notify the relevant parties within your business so the order can be actioned quickly.

Please follow the instructions below to ensure your site is configured correctly with the PayPal payment option.

1. Select "Business Account" and the country you live in and proceed to create your account
2. Login to your PayPal account and select "My Account" tab and choose "Profile" option
3. Under "Selling Preferences" choose "Website Payment Preferences"
   1. Turn 'Auto-Return' On and add URL http://yourdomain.com/PaymentProcess.aspx (replace yourdomain.com with the URL
      of your website)
   2. Turn 'Payment Data Transfer' On and save. You will be presented with a token. Copy & paste token into appropriate
      field in Admin interface. Go to eCommerce -> Payment Gateway -> select the country -> PayPal Gateway
   3. Also enter the email address you registered with PayPal in the CustomerID field
4. Return to "Profile" section and choose "Instant Payment Notification Preferences" option. Turn 'Instant Payment Notification' On and add URL http://yourdomain.com/PaymentProcess.aspx (replace yourdomain.com with the URL of your website)

Please note that non-seamless payment gateways such as PayPal can only be used within the online shop and the checkout process. This type of payment gateway by its nature, cannot be used in conjunction with the web forms functionality to process credit card payments.

Setting-Up PayPal in the Admin interface

Please follow these steps to setup the PayPal:

1. You need to have a PayPal account, PayPal Customer ID and PayPal Payment Data transfer Token.
2. Once you get the above, you need to go to eCommerce -> Payment Gateways -> Select your country and type in the above information under PayPal section.

Finally, click Save.

Your site is now ready to receive PayPal payments.

PayPal checkout process

1. Customer selects PayPal, checks out and is taken to PayPal site
2. Customer chooses if they want to pay using their PayPal account or Credit Card
   • If they choose to use their PayPal account, they login, make a purchase and after purchase they're sent back
     to your site automatically.
   • If customer chooses to pay by Credit Card, they fill in their Credit Card information and after the purchase they
     need to click the button that says "Go back to YourSite". The reason for this is because PayPal wants to sell them
     their account.
3. Customer is back at your site and they are given invoice number. The return URL is http://www.yoursitesURL.com/PaymentProcess.aspx

PayPal and web forms

You can not use non-seamless gateway, such as PayPal on web forms.

Non-seamless gateways can only be used in conjunction with a shopping cart.

You can use with one of the seamless gateways or offline processing in this case.

PayPal Website Payment Pro (US Only) Setup

1. Go to http://PayPal.com and go to "Website Payment Pro”.
2. You need a PayPal username , password and API signature. To get this login to your account and then click on "Profile" then click API Access, then click on “View or remove credentials” from Request API Credentials. You can view the username , password and API signature here.
3. Now go to Admin, login and go to eCommerce - > Payment Gateway , select the country then select PayPay Website Payment Pro then type those account information in and click Save.

Payflow Pro Setup

1. Sign-up for a Payflow Pro account with http://PayPal.com. They will supply you with a username , password and a partner id.
2. Add these settings to your site in eCommerce -> Payment Gateways.
3. You are encouraged to do the testing.

Offline payments

Offline Payments are a way to process payments submitted online, yourself. You can process your payment through your existing facilities, in your own time.

After login into the admin part of your site, navigate your mouse to eCommerce -> Payment gateways. You need to select the country you want to assign this gateway to first. Then you need to select "processing offline" from the gateway list.

Google Checkout

After you have setup the Google checkout account, you will have to modify few settings in the Google checkout admin area.

Login to Google checkout and go to:

1. Settings -> Integration, and you have to assign the secure url/PaymentProcessGoogle.aspx and API callback URL

2. Settings->Preference, and select the "Automatically authorize and charge the buyer's credit card".

RealEx payment gateway

RealEx payment gateway is a non-seamless gateway for Ireland.

Return URL for this gateway is http://yoursiteURL/PaymentProcessRealEx.aspx.

• Tutorial 2: Setting_up_your_online_shop
• Tutorial 2.1: Ecommmerce product advanced options
• Tutorial 2.2: Configure my shipping options
• Tutorial 2.4: Customize my ecommerce look and feel including products, catalogs, shopping cart and invoice layouts
• Tutorial 2.5: Advanced ecommerce options includes upselling, cross-selling, bulk discounts, product grouping
• Tutorial 2.6: Applying Tax Codes
• Tutorial 2.7: Offering Discount Codes
• Tutorial 2.8: Offering Gift Vouchers
• Tutorial 2.9: Setting up Affiliate Programs