Overview

UltraCart offers a wide range of payment processing options, giving you the flexibility to set up the right combination that works best for your business and customers.

If you’re just getting started and want to offer the broadest variety of payment methods (credit cards, Apple Pay, Google Pay, PayPal, PayPal Credit, PayPal Fastlane, and more), we recommend connecting PayPal. PayPal supports multiple payment types and integrates seamlessly into your checkout process, making transactions quick and easy for your customers.

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If you already have a preferred payment gateway or processor (e.g., Stripe, Authorize.net, QuickBooks Payments), you can configure them in the Credit and Debit Cards section.

The following screen shows the Payment Methods Configuration Screen with no payment method configured. Recommended and popular payment methods are listed at the top of the screen and more advanced options are listed below. Toggling each option to the on position (using the toggle switch) will expose additional options and configuration requirements.

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This screen allows the merchant to enable and configure the payment options available to their customers.

There are five main sections to this page:

PCI Compliance Considerations

Credit and Debit Cards

Credit and Debit Card Settings

General Credit Card Transaction Information

Test Credit Card Configuration

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 knowledge base article: Test Credit Card or Electronic Check Payments

Paay.co 3DS/PSD2 (Alpha)

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

Amazon Payments

Accept Pay with Amazon Payments on your site to allow hundreds of millions of Amazon customers to easily buy on your site.

Learn more about the Amazon Payments integration.

Sezzle

Sezzle is a payment method that allows the customer to split their purchase into four equal payments over a period of several weeks. Sezzle assumes all credit risk associated with offering the customer this purchase option.

Learn more about the Sezzle integration.

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.

To configure an Advanced Method simply click on the Slider to make it green.  

Once you've made your selection and configured any additional details, click the Save button on the bottom of the screen.  You will be returned to the "Configuration" screen.  (In most cases you'll configure more than one Payment Method.)

The following are brief descriptions of the Advance Methods:

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

Transaction gateways provide Internet based interfaces into the major credit card processing networks like FDC, NDC, Nova, and many more. Transaction gateways are analogous to a retail merchant's point-of-sale terminal.

View of Gateways Configuration page

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.

Transaction Gateway Authorization Model

The "Authorization Model" refers to how the credit card authorization transaction are handled.

There are three "Authorization Model" options:

Supported Gateways

Currently UltraCart supports over 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.

Unsupported Gateways

There are literally hundreds of different transaction gateways available. UltraCart supports some of the most popular transaction gateways on the market today. If a merchant credit card processing bank does not offer one of UltraCart's supported transaction gateways, please contact support@ultracart.com. Typically, a short amount of time is required to add support for additional gateways.

Test Gateway

Only certain gateways allow for a "test" mode, which means you can only use a valid credit card, and real funds are processed. So, to help with initial account setup and testing, UltraCart has created a test transaction gateway, selectable from the Transaction Gateways tab on the Payments Configuration screen.

After selecting the test gateway, enter your Ultracart MerchantID and select the card types, then scroll to bottom of the page and click the save button to save the changes.

This gateway behaves like a "real" gateway, allowing you to completely test the system's functionality.
While it does not actually capture payments, it does allow you to perform a complete checkout to a receipt
so that you can add orders without actual transaction charges being accrued against a real credit card.

To use the gateway, simply select it from the Transaction Gateways screen, and enter your Merchant ID. Select the payment types you want the gateway to handle, and press "Save". 

Rotating Transaction Gateways

Rotating transaction gateways allow a merchant to spread credit card transactions across multiple gateways. While available to all UltraCart merchants, it is primarily intended for merchants with substantial transaction volume. Merchants should thoroughly test their configuration before going live with this feature.

For more regarding Rotating Transaction Gateways, navigate here:  Rotating Transaction Gateway.

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?

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 Gateway

UltraCart Test Gateway

Checkout Payment Options

Test Credit Card or Electronic Check Payments

Payment - Filters (tab)

Rotating Transaction Gateway

When are Credit Cards Charged