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| Section | Description |
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| Credit and Debit Cards | This section is where you will configure the types of credit/debit cards you will accept. |
| PayPal | This is the section for configuring PayPal as a payment option for your customers. |
| Amazon Payments | This is the section for configuring Amazon Payments as a payment option for your customers |
| Advanced Payments | This section contains addtional payment types that you may provide to your customers. This section includes the following payment types:
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PCI Compliance Considerations
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| Info | ||
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See the complete PayPal section at http://docs.ultracart.com/display/ucdoc/PayPal. |
Enabling Payment Types
Credit and Debit Cards
| Description | |
|---|---|
| Settings | Click the box to the left of the payment method that you wish to configure. |
| Transaction Gateways Connect Single (SingleGateway) | Here you will configure your specific credit card gateway with its configuration credentials. |
| Transaction Gateways Connect Multiple (Rotating) | This is an advanced configuration option which allows you to configure multiple credit card gateways. See: Rotating Transaction Gateway for more details. |
Credit and Debit Card Settings
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- Order Subtotal (Minimum subtotal and/or Maximum subtotal)
- Destination Restriction
- Screen Branding Theme or StoreFront Restriction
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UltraCart allows you to configure payment information that can be used for placing test orders. This is very useful when a store is live,
but orders need to be placed to test new functionality. By using test credit card numbers it removes the hassle of voiding charges on real credit cards.
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After you have configure the gateway credentials and card types you are setup to process through the gateway, you'll then toggle those card types to display in the checkout by clicking the logo images that appear in the Credit and Debit card section pf the payments page. For example in the screenshot image above, the Diners Club and JCB card types are greyed out, because they are not active card types for the checkout. If greyed out, the card types will not appear as an option to the customer during checkout. |
Credit and Debit Card Settings
| Field | Description |
|---|---|
| Payment Method QuickBooks Code | This is a configuration field for QuickBooks integration. |
| Payment Method QuickBooks Deposit To Account | This is a configuration field for QuickBooks integration. |
| Surcharge QuickBooks Code | This is a configuration field for QuickBooks integration. |
| Surcharge Transaction Fee | If configured, will apply the configured surcharge fee to the customers' order. *Some credit card agreements do not allow this option, so make sure to review your merchant credit card and gateway account agreements. |
| Surcharge Transaction Percentage | If configured, will apply the configured surcharge percentage to the customers' order. *Some credit card agreements do not allow this option, so make sure to review your merchant credit card and gateway account agreements. |
| Processing Transaction Fee | |
| Processing Transaction Percentage | |
| Restrictions | You can configure restrictions based on:
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| Field | Description |
|---|---|
| Charge Appears on Statement as _____ | This should be configured with the way your charges will be displayed on the customers' credit card statement. Consult your Payment Gateway and credit card merchant account to verify how it appears, then configure this field accordingly. |
| Charge During Checkout | Default and recommended setting is 'YES'. |
| Collect Card Verification Number | If selected (Default setting), the customer will be required to enter the CVV number of their credit card during purchase. *The CVV number is never stored in UltraCart, per PCI/DSS regulations. Orders not processed in real-time, will not retain the CVV number, but their is a field to reenter it if you recollect if from the customer for payment processing. |
| After Failed attempt ___ at processing the payment collect the order information and store in accounts receivable. | The default setting is 3 attempts. Upon the third declined transaction, the order is completed and stored in A/R for merchant review and follow up. |
| Email customer to update billing (sent when order goes to the Accounts Receivable due to too many failed attempts) at processing the payment during customer checkout. | When selected, the customer is sent email notification that their placed order payment has not been processed, the email provides a link for the customer to update their billing details for their order. |
UltraCart allows you to configure payment information that can be used for placing test orders. This is very useful when a store is live,
but orders need to be placed to test new functionality. By using test credit card numbers it removes the hassle of voiding charges on real credit cards.
For more, see the following knowledgebase article: Test Credit Card or Electronic Check Payments
Paay.co 3DS/PSD2 (Alpha)
About Paay.co 3ds.PSD2
EMV 3DS is a global payment security standard. You can think of it like the chip & pin on your physical credit card, but for card-not-present (CNP) purchases.
3-D Secure is a protocol that enables card issuers to authenticate consumers, secure purchases, and prevent CNP fraud.
Also referred to as 3DS2, EMV 3DS allows card issuers to authenticate consumers without adding friction to the payment process. Everything happens behind the scenes using risk-based-authentication.
Provides issuers with access to over 150 additional data parameters resulting in a 95% authentication rate
Is optimized for web, mobile, and in-app purchases
Enables Strong Customer Authentication (SCA) so merchants are able to comply with PSD2
The Payment Services Directive 2 is a banking regulation issued in the European Economic Area (EEA) by the European Banking Authority (EBA). PSD2 is an open banking initiative that seeks to improve consumer protection, boost competition, and innovation. The legislation states that merchants must use Strong Customer Authentication (SCA) on e-commerce transactions when the acquirer and the issuer are both in the EEA.
Unlike the frictionless authentication, SCA doesn’t happen behind the scenes. Instead, it requires consumers to verify their identity using two of three elements:
- Something they are (biometric)
- Something they have (phone)
- Something the know (password)
- This is known as two-factor authentication.
PAAY supports SCA by enabling the use of two-factor authentication. Its flexibility allows issuers to set authentication preferences using their preferred risk and regulatory factors. In other words, issuers decide how the customer will be authenticated by using a one-time-passcode, knowledge-based questions, or biometrics.
to learn more about Paay.co, please see FAQ, Case Studies, & contact us
UltraCart can protect your custom order forms by preventing immediate finalization of order forms that do not come from specific domains.
You should list your domains to enhanced security for your checkout if you are using your own custom front end checkout forms.
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PayPal
Amazon Payments
Advanced Payment Methods
The advanced payment methods are considered "advanced" because they are used in a more limited fashion. This is in part due to the fact that many of these payment options are not based on a real-time validation process like the "Common" Methods. These methods may not be appropriate for many storefronts.
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| Method | Notes | |||||
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| Cash | Selecting this option will add a payment method of Cash. (Not recommended for most merchants.) | |||||
| C.O.D | Selecting this option will add C.O.D. payment method (Not recommended for most merchants.) | |||||
| Coinbase (Deprecated) | Selecting this option will add Coinbase Payment method which is a bitcoin wallet and exchange service
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| Electronic Checks | Selecting this option will add a payment method of Checks. (Not recommended unless gateway configuration section has electronic check as configurable method.) | |||||
| Money Orders | Selecting this option will add a payment method of Money Order. (Not recommended for most merchants.) | |||||
| Paper Checks | Selecting this option will add a payment method of Paper Check. You'll be presented with configuration fields for providing your "payable to" address details. | |||||
| Purchase Orders | Selecting this option will add a payment method of Purchase Order. | |||||
| Quotes Requests | Selecting this option will add a payment method of Quote. (Quotes Tutorial) | |||||
| Wire Transfer | Selecting this option will add a payment method of Wire Transfer. (Not recommended for most merchants.) |
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Answer: There are a number of gateways that offer e-check processing, for example Authorize.Net offers e-check support, but to be brutally honest customers rarely use e-check payments when it's offered to them. E-check transactions amount to fractions of a percent for most merchants because most people/businesses that want to draft money out of their account will already have a PayPal account w/ their checking account linked (or want to send a paper check.) Our advise regarding payment processing is this:
* Visa/MC is a given
* AMEX is a good idea as a long of business customers have AMEX.
* PayPal - always a good idea. Some merchants have seen a 30% boost in transactions by supporting PayPal
* Amazon Payments - new, but coming on strong with customers.
Related Documents
Configure Transaction Gateways (tab)Gateway
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