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Question: What if I don't have a gateway? |
Credit and Debit Cards
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Description | |
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Settings | Click the box to the left of the payment method that you wish to configure. |
Connect Single (Gateway) | Here you will configure your specific credit card gateway with its configuration credentials. |
Connect Multiple (Rotating) | This is an advanced configuration option which allows you to configure multiple credit card gateways. |
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Test Credit Card Configuration
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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.
For more, see the following knowledgebase knowledge base article: Test Credit Card or Electronic Check Payments
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Method | Notes | ||
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Affirm | Provides installment payment options, including a 4-payment plan and monthly installments. | ||
Cash | Allows cash payments; not recommended for most merchants due to operational challenges. | ||
C.O.D | Enables "Cash on Delivery" payments; typically not recommended for most merchants. | ||
Coinbase (Deprecated) | Previously supported Bitcoin wallet and exchange service. No longer available due to deprecated API.
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Electronic Checks | Supports payments via electronic checks; recommended only with a properly configured gateway. | ||
Insurance | Specialty payment solution designed for medical industry applications. | ||
LoanHero | Custom payment plan tailored for medical financing needs. | ||
Money Orders | Adds a money order payment option; not generally recommended for most merchants. | ||
Paper Checks | Allows payment via paper checks with configurable "payable to" details. | ||
Purchase Orders | Adds a purchase order payment method. Typically for business-to-business transactions. | ||
Quotes Requests | Lets customers request a quote instead of completing payment immediately. Quotes Tutorial | ||
Wire Transfer | Supports direct bank transfers; not typically recommended for most merchants. |
Payment Restrictions
This feature allows you to place payment restrictions on any particular payment method configured on your account. Learn more about Payment Restrictions.
Transaction Gateways
Purpose
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View of Gateways Configuration page
Clicking on the Transaction Gateways tab will display the list of integrated gateways:
To set up and configure your transaction gateway, click the Connect Single button in the Credit and Debit Cards block. This will direct you to a page displaying the available payment gateways along with their configuration requirements.
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Transaction Gateway Authorization Model
The "Authorization Model" refers to how the credit card authorization transaction are handled.
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There are three "Authorization Model" options:
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Currently UltraCart supports over 80 35 of the top transaction gateways. The transaction gateway a merchant selects is dependent on the ones that their merchant credit card processing bank will support. Contact the bank account representative to determine available options, pricing information, and setup information. After establishing an account with one of the transaction gateways, complete UltraCart's gateway configuration section for your gateway by selecting the checkbox for it from the list of gateways.
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Frequently Asked Questions
Q: When are Credit Cards Charged?
Answer: The answer depends are various details, please visit the following document for the details: When are Credit Cards Charged
Q: In cases where the customers order was captured for review, they believe the order was successfully processed, how can we make it more transparent to them?
Answer: If the order is captured after the specified number of failed authorization attempts, the customer receives their receipt for the placed order. While the receipt does not directly make reference to the the final transaction authorization attempt, the receipt itself may be interpreted by the customer as being proof of an successful payment. You can alter the default settings in regard to the emailed receipt and also to the test displayed in the receipt provided in the customers web browser to make things more transparent. See the following for more details: Tutorial - Transparent payment processing status of placed orders
Q: We are thinking about adding a gateway that offers e-check processing along with the credit card processing. Which payment types are recommended?
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