CHAPTER 10 Payments

AbleCommerce allows for both online and offline transactions. Merchants can configure how payments will be accepted by setting the payment methods that are accepted. Real time processing can also be enabled for popular credit card types. Use the Payment Methods menu to establish the forms of payment that you will accept from customers. Use the Payment Gateways menu to configure your real time processors.

Payments Methods

From the Left Navigation Menu, click Payment Methods. A page such as the one depicted below will be shown.

The payment methods that you select here will automatically show up at the check out page so that your customers can select which payment method they will pay with. To accept a particular payment method, simply select the payment methods you wish to make available and then click Update to save.

When customers checkout and they reach the page to select how they are going to pay, the payment methods that you selected will appear in the Payment Methods drop-down box as shown below.

Payment Gateways

Most likely your store will accept credit cards for payment. In order to safely transmit credit card information over the internet, you will need to set up with a real-time payment processor. A real-time payment processor enables you to authorize and process credit cards in a real-time and secure environment. When a customer enters their credit card information, the real-time processor will automatically verify funds and depending on the transaction type that you select, may or may not automatically capture the funds.

Configuring a Payment Gateway

From the Left Navigation Menu, click Payment Gateways. This will take you to a page as depicted below.

From the page shown above you can add a real-time payment processor or edit and delete an existing one. Click Add to continue with adding a real-time payment processor. You will be taken to a page shown below.

There are seven real-time payment processors to choose from:

Select the payment gateway that you want to use to process credit cards and click Next. Proceed to the section that explains the set up of the payment gateway you selected.

Configure Authorize.Net Services

Note:

You will need to register with Authorize.Net before continuing because some of the settings are supplied by Authorize.Net at the time of registration.

Merchant Login

This is the merchant account login name provided by Authorize.Net.

Merchant Password

This is the password provided by Authorize.Net

Transaction Type

The selection that you make here determines how funds will be taken.

AUTH_CAPTURE: This is an authorization and capture. This means that you have secured an approval and you have charged the customer's account.
AUTH_ONLY: This is an authorization only. This means that you have secured the approval to charge a certain amount to the customer's account at some point in the future.

Run Mode

The selection that you make here determines if a credit card will be debited or not.

Live Mode: Select this if you want credit cards that are submitted to be debited.
Test Mode: Select this if you are testing and do not want credit cards that you enter to be debited.

Testing Authorize.Net Transactions

For testing purposes, you can use "testing" for both the username and password. Make sure you set the gateway to test mode as live transactions will not process for this account.

Configure CyberCash Services

Note:

Before configuring these settings, you will need to register with CyberCash because some of the information is provided by CyberCash at the time of registration. The CyberCash DLL is installed with AbleCommerce 4, so no additional configuration is necessary.

CCPS_HOST

This is provided by CyberCash and is the URL of CyberCash CashRegister.

CYBERCASH_ID

This is provided by CyberCash and is the Merchant ID.

MERCHANT_KEY

This is the Merchant Key that is provided by CyberCash.

Current Invoice

This is a number that is set by you and will be incremented as each order is placed.

Transaction Type

The selection that you make here determines how funds will be authorized.

mauthcapture: This is an authorization and capture. This means that you have secured an approval and you have charged the customer's account.
mauthonly: This is an authorization only. This means that you have secured the approval to charge a certain amount to the customer's account at some point in the future.

Configure LinkPoint® Services

Note:

Before configuring these settings, you will need to register with LinkPoint® International because some of the information is provided by LinkPoint® at the time of registration.

Requirements:

You will also need the latest version of the LinkPoint COM Object wrapper (LCOM), which must be obtained directly from LinkPoint.

Store

This is the 6 Digit Store name provided by LinkPoint®.

Key File

This is where you would enter the full path to the .PEM Certificate previously saved to the server.

Secure Host

The secure host domain is entered by default. It is currently secure.linkpt.net and should only be changed upon notification by LinkPoint®.

Port

The LinkPoint® server port is entered by default. It is currently set to 1139 and should only be changed upon notification by LinkPoint®.

Test Mode

LinkPoint® lets you select whether the merchant account is in LIve mode or Test mode. If running in test mode, you will have the option to test transactions in Decline or Approval mode.

Decline: All transactions will fail. Used for testing error messages.
Approval: All transactions will be successful, but still in test mode.

Charge Type

The selection that you make here determines how funds will be authorized.

Sale: This is an authorization and capture. This means that you have secured an approval and you have charged the customer's account.
Preauth: This is an authorization only. This means that you have secured the approval to charge a certain amount to the customer's account at some point in the future.

Testing LinkPoint® Transactions

Once the COM DLL and PEM certificate is installed you can use the LinkPoint® gateway by entering the valid account infomation. For testing LinkPoint® transactions, the secure host setting can be changed to "staging.linkpt.net".

Configure Paradata Services

Note:

Before configuring these settings, you will need to register with ParaData because some of the information is provided by ParaData at the time of registration. The ParaData DLL comes installed with AbleCommerce 4.3 and above. Previous versions must upgrade to 4.3 to obtain the ParaData functionality.

Transaction Key

This is the Transaction Key provided by ParaData.

Account Token

This is the Account Token provided by ParaData.

Charge Type

The selection that you make here determines how funds will be authorized.

SALE: This is an authorization and capture. This means that you have secured an approval and you have charged the customer's account.
AUTH: This is an authorization only. This means that you have secured the approval to charge a certain amount to the customer's account at some point in the future.

Next Invoice

This is a number that can be set by you and will be incremented as each order is placed. You can also use the AbleCommerce Order number selection which will make the ParaData Order number match the AbleCommerce Order number.

Configure PaymenTech Services

Note:

Before configuring these settings, you will need to register with PaymenTech Services because some of the information is provided by PaymenTech at the time of registration.

Merchant ID

This is the Merchant ID provided by PaymenTech.

BIN

This is the BIN number provided by PaymenTech.

Time Zone

This is the 3 Digit ISO Time Zone Code. The default is...

Currency Code

This the numeric ISO Currency Code. The default for US dollars is 840.

Currency Exponent

This is the number of digits following a decimal. Select from `0' or `2'.

Transaction Type

The selection that you make here determines how funds will be authorized.

Authorize Only: This is an authorization only. This means that you have secured the approval to charge a certain amount to the customer's account at some point in the future.
Authorize and Mark for Capture: This is an authorization and capture. This means that you have secured an approval and you have charged the customer's account.

Gateway URL

This is the Gateway URL provided by PaymenTech. The default value is https://epayhipvar.paymentech.net and should only be changed upon notification by PaymenTech.

Configure SkipJack Services

Note:

You will need to register with SkipJack before continuing because some of the settings are supplied by SkipJack at the time of registration.

Serial Number

This is the serial number that is provided by SkipJack.

Current Invoice

This is a number that is set by you and will be incremented as each order is placed.

Run Mode

The selection that you make here determines if a credit card will be debited or not.

Live Mode: Select this if you want credit cards that are submitted to be debited.
Test Mode: Select this if you are testing and do not want credit cards that you enter to be debited.

Configure VeriSign Services

Note:

Before configuring these settings, you will need to register with VeriSign because some of the information is provided by them at the time of registration.

Partner

Your partner ID is provided to you by the authorized VeriSign Reseller who signed you up for the PayFlow Pro service. If you signed up yourself, use VeriSign.

User Name

Your case-sensitive VeriSign login that you defined at registration.

Password

Your case-sensitive VeriSign password.

Run Mode

The selection that you make here determines if a credit card will be debited or not.

Live Mode: Select this if you want credit cards that are submitted to be debited.
Test Mode: Select this if you are testing and do not want credit cards that you enter to be debited.

Timeout

This value specifies a timeout period for the transaction. If not specified, the timeout value will default to 45 seconds. The minimum recommended timeout value is 30 seconds. The VeriSign client will begin tracking the timeout value from the point that is actually sends the transaction request to the VeriSign server.

Proxy Host

If the server uses a proxy to connect to the Internet, enter the proxy address here.

Proxy User Name

Your proxy server user name.

Proxy Password

Your proxy server password.