- Overview
- How to Select a Gateway
- How Gateways Work
- Troubleshooting a gateway
- Integrated Gateways and their setup
- Additional Links
Overview
AmeriCommerce is integrated with a multitude of excellent gateways to help you transact the orders you get in. We strongly suggest checking out AmeriCommerce Payments powered by PayPal for your payment gateway needs, it’s a very powerful, safe and intuitive gateway.
Within this article you will find valuable information on how to select a gateway, understanding how gateways work, troubleshooting a gateway and setting up a gateway.
How to Select a Gateway
Gateways are selected by our clients based on a few factors.
- What am I selling?
Some gateways will not allow you to sell certain things such as cannabis, pharmaceuticals/vitamin supplements, hair extensions, gambling products, in-person services and things like that. You will need to review the terms of service for the gateway to discover if they will allow what you sell.
- What kind of rates/plans are available for the gateway?
You will want to review the plan types for the gateway. This will be how you are paying for their services. This can include a flat monthly fee, transaction percentage, flat fee per transaction and can impact your business differently depending on your type of business if its wholesale, retail, high volume or low volume. You will want to research the best gateway for your needs.
- How easily can I get support for this gateway?
You will want to understand the gateways support hours of operation and how to contact them if needed. It will be important to understand they have different branches that have different functions that may work on different days/times. This includes Operations and Risk teams, Technical Support, Payment Batch Team, etc.
- Is it integrated with AmeriCommerce?
Lastly you will want to make sure they’re on this list of integrated payment gateways. That way you will know if they are compatible with our software or not. Want to use a gateway that isn’t on this list? No problem, we can help with that. We offer paid custom development where you can hire out one of our developers to build the integration or you can put it as a feature request on vote.americommerce.com to be voted on and potentially implemented in the future.
*Some gateways will allow you to transact right away after signing up. That’s fine but he wary of the terms of service and how their security works as you may be declined a week later for being able to transact with them.
*Additionally, each gateway supports thousands of merchant banks; please do not confuse the two. Thousands of merchant banks' programs are supported by the gateways below.
*Each store is allowed 1 active Payment Gateway; that does not include Paypal Express Checkout and alternative methods such as PO and custom methods.
How Gateways Work
Gateways are how you actually perform the fund capture. Think of it like you're at the market to get your groceries. It's important to understand AmeriCommerce role in the transaction process and the different variables that could be influencing your transaction process.
AmeriCommerce is the store, you walk into the store browse and add items to your cart. Then you make your way to the checkout lane. You put the items onto the checkout belt and they're rung up and you get a total to pay.
The gateway is the cashier, you give the cashier your payment and they make sure its the correct amount, make sure the funds are real and there and take the payment.
The shipping provider is the baggage person and they package your items into a container and deliver them to your car.
That's a simplified way to think about it, but it's a fairly accurate comparison.
A more technical explanation is that the customer adds the items to their shopping cart and they proceed to checkout. The total is calculated after the API call to the shipping services and the customer enters in their specific payment information. Once the information is entered AmeriCommerce adds it to an API call and sends it to the gateway services and does not retain payment information in its database as a security precaution. The gateway then reviews the transaction with the bank connected to the card to ensure it's ready to transact and then it responds to the AmeriCommerce software with the approval or denial information. That information is located on your Dashboard -> Orders -> Edit the order -> Payments and if there was an issue the gateways error returned to AmeriCommerce via the API call will be displayed there, otherwise it will say Approved and the time of approval from the gateway.
Troubleshooting a Gateway
Test if gateway is active
If you've just set up a gateway or you want to make sure it's getting a response what you can do is navigate to your Dashboard -> Settings -> Payments and Taxes -> Payment Gateways -> Edit the gateway you want to test -> More Actions (Top Right) -> Test. This will give you a test API call to the gateway service with a fake credit card, it will be an instant decline. The test is really to make sure the API call is happening that you're getting a response, once you run the test you will want to scroll to the bottom to review the API call and make sure you received a response from the gateway.
Checking an error from an order
When an order comes through and it says "Declined" you can check the reason the gateway gave by editing the order and scrolling down to the payments section. A lot of times it is going to have a number and a small message. For example, this is one from a live order from one of our clients using PayPal PayFlow Pro gateway.
AVS error (general). Declined: Declined: 15005-This transaction cannot be processed.
As you can see this order was declined. It says "This transaction cannot be processed." and that really doesn't give us much information in regards to why the transaction was declined. So, the next step is to go to Google or Paypal and search for the error number before the reason which is 15005 and the gateway name. Specifically I went to google and typed in "Error 15005 Paypal".
That will lead me to a paypal support article: Why did I get API error codes 15005, 15006 and 15007?
Now I have the article I can research it further to figure out why that order was declined.
"15005 errors result from an AVS decline, usually caused by the billing address not matching the card issuer's information on file. The card-issuing bank may also have declined the transaction due to lack of funds."
Well, that looks like the bank that issued the credit card to the customer is saying that the billing address might not match or that they don't have the appropriate funds in place to pay for the transaction. If you wanted more information on the error in this case you would contact Gateway's support team, as it is their software that returned the error.
Automatic declines (Fraud Protection)
AmeriCommerce software is designed with customer interactions in mind. This means that ideally most, if not all, orders should come naturally through the front end of the store by customers entering in their orders. However, some of our clients do like to utilize the Order Entry on the dashboard to enter in orders for customers that may call in their orders or need a large order via email. Normally this is fine if its just an order here and there being entered for the customer but problems can arise from a client that uses the Order Entry feature on the dashboard to enter many orders in for customers utilizing CSR employees.
The problem here is that AmeriCommerce has a fraud protection system that monitors IP addresses and order status returns from the gateway. That means if the same IP address gets 5+ declined orders in a 24 hour period, the system will automatically disallow that IP address from making an orders by stopping the ability for that IP to trigger an API call to the gateway.
Making sure your gateways are assigned to the correct store
If you are utilizing AmeriCommerce great feature known as Multi-Store setup it is important to make sure you have a gateway set up to the correct store. Each store is allowed one gateway per store and on a multi-store setup you need to ensure that you have the correct Store selected for each gateway otherwise it can cause one or more stores to no longer be able to accept payments.
Test Credit Cards
Here are a list of test credit cards you can use to place a test order and get a declined response from the gateway when placing an order on the dashboard or the front end.
Visa: 4111111111111111 | CSV-123 | Expire-10/2030
MasterCard: 5111111111111191| CSV-543 | Expire-10/2030
Discover: 6011111111111141 | CSV-543 | Expire-10/2030
American Express: 371110201010004 | CSV-123 | Expire-10/2030
Integrated Gateways and their Setup
Authorize.net Home | Authorize.net Support Portal
- Does not require white listing the server IP address.
- IP Address Access Restriction is part of the Authorize.net Advanced Fraud Detection Suite (AFDS) IP Administration Tool. You can find more information here.
- API Login Key: The Merchant ID.
- API Transaction Key: Password used to authenticate requests submitted to the gateway. You can obtain your key with these instructions.
Beanstream/Bambora Home | Beanstream/Bambora Support Portal
- Login to your Bambora Account at https://web.na.bambora.com
- Navigate to Administration > Account Settings > Order Settings
- Make sure "Use username/password validation against transaction" is NOT Checked.
- If you made any changes, Click update at the bottom of the page to save.
- In AmeriCommerce Payment Gateway Settings, Enter Merhant ID into Login ID field
- Enter your Bambora account password (the one you use to login to your bambora account) into the Password field
- Save
- Test -- You should get a decline with a transaction ID.
Sage Payments Home | Sage Payments Support Portal
- Supporting PeachTree, DacEasy, MAS90 and MAS200
- Does not require white listing the server IP address.
- Login ID Field: The Merchant ID (MID) Sage issues (12 digits) goes here. The MID is a twelve-digit number that is identical to your Virtual Terminal ID.
- Password Field: The Merchant Key (MKEY) Sage issues (12 digits) goes here. The MKEY is twelve characters long and always alternates between capital letters and numbers -- for instance, A1B2C3D4E5F6.
3DSI EC-Linx Home | 3DSI EC-Linx Support Portal
- White listing the server IP address is required.
- IP Address Access Restriction is maintained on the ‘approved IP address list’. This allows you to specify a set of IP addresses that can access your account. All other IP addresses are blocked. This is an invaluable security tool for merchants who only process transactions from certain locations.
ChasePaymenTech Orbital-Salem Home | ChasePaymenTech Orbital-Salem Support Portal
- This is a Legacy option and is no longer available for new clients. If you would like to use Chase Integrated Payments - a more modern solution by Chase, we suggest using WePay
- White listing the server IP address is required.
- Login ID Field: The merchant ID (MID) Paymentech issues (12 digits) goes here.
- Password Field: The password field maps to Paymentech's BIN. Always put 000002 in this field.
- Login ID Field: The Merchant ID.
- Password: PIN that is a long string of numbers and letters.
- May require the User Id under the Config String in this format: MyVirtualMerchantUserId=XXXXXX (Enter User Id in place of X's)
Cyber Source Home | Cyber Source Support Portal
NOTE: Our CyberSource integration does not include the "Decision Manager" feature, which is a fraud feature of CyberSource.
- Login ID Field: The merchant ID that CyberSource issues goes here.
- Password Field: Leave Blank
- Config String: Config string: SOAP API transaction key goes here. Make sure you have CYBERSOURCEKEY= before the api transaction key. To obtain the SOAP API transaction key browse to www.cybersource.com and login to the business center. Then go to Account Management, then to transaction security keys and choose the option for SOAP API.
EdgePay Home | EdgePay Support Portal
- MID: The merchant ID that EdgePay issues goes here.
- Merchant Key: The merchant key that EdgePay issues goes here.
- Terminal ID: The terminal ID that EdgePay issues goes here.
eProcessing Home | eProcessing Support Portal
- White listing the server IP address is required.
- Put in your login ID
- Once you have a successful transaction through the gateway, note the IP address on the transaction details (you can check your Current Batch Report on the eProcessing site to find this).
- The IP address listed on the transaction will be that of your server. Simply add this IP address to the Allowed IP's section of the Processing Control page to adequately secure your integration with the eProcessingNetwork gateway.
goEmerchant Home | goEmerchant Support Portal
- White listing the server IP address is required.
- Contact goEmerchant support at support@goemerchant.com with you transaction center ID and IP address(es) to have them whitelisted.
Innovative Gateway Home | Innovative Support Portal
- White listing the server IP address is required.
- Contact Support at 877-484-8444 to register the IP Address(es) for your account.
Intellipay ExpertLink Home | Intellipay ExpertLink Support Portal
- White listing the server IP address is required.
- To access the IP Filter Management and add your IP, do the following:
- Open your Control Panel
- Click "Account Settings"
- Under the Fraud Control section click "IP Filter Settings"
- Enter your IP address and select the appropriate module
QuickBooks Home | Intuit Support Portal
iTransact RediCharge HTML Home | iTransact RediCharge HTML Support Portal
- White listing the server IP address is required.
- To access the IP Filter Management and add your IP, do the following:
- Open your Control Panel
- Click "Account Settings"
- Under the Fraud Control Section click "IP Filter Settings"
- Enter your IP address and select the appropriate module
Merchant Partners Home | Merchant Partners Support Portal
- White listing the server IP address not required.
- They require a merchant to be setup with a Merchant Pin value to validate any orders that are received via an API. Documentation is available in the Integration Guide for instructions on setting up the Merchant Pin. To see this documentation, visit the Online Merchant Center and click “User Manuals” under the Support section. You will be required to register to see the documentation.
MPCS Weblink Home | MPCS Weblink Support Portal
- White listing the server IP address not required.
- IP Address Access Restriction is part of the MPCS Fraud Detection Suite (FDS): Authorized AIM IP Addresses feature – Allows merchants submitting Advanced Integration Method (AIM) transactions to list server IP addresses that are authorized to submit transactions.
Planet iPay Payment Home | Planet iPay Support Portal
- The terminal id will need to be entered into the configuration string.
- If you're sending outside of the USA the currency code and currency indicator is also required.
- Example config string: CURRENCY_INDICATOR=0;CURRENCY_CODE=840;TERMINAL_ID=1528
- A list of currency codes can be found at ISO 4217
USA ePay Home | USA ePay Support Portal This may also be referred to as Persolvent.
- Login ID: Source Key Provided by USA ePay
- Password: Leave Blank
Vantiv Home & Vantiv Litle Home | Vantiv Support Portal
Payeezy Home | Payeezy Support Portal
- Requires a HashSecret (or Hmac key ) Config String
- Requires a FDMSKeyId (or Terminal Key ID ) Config String
- These credentials must be obtained from Payeezy.
- Once obtained, enter both credentials into the config string field** in the following format:
HashSecret=stringofnumbersandletters;FDMSKeyId=numbers
** Config string field is located in Settings > Payments and Taxes > Payment Gateways > Payeezy Gateway
OGONE Home | OGONE Support Portal
- Requires a HashSecret Config String.
This passphrase is defined in the Technical information page of your Ogone account, under the tab “Data and origin verification”, section “Checks for e-Commerce”.
WorldPay XML | WorldPay Support Portal
- By default, CurrencyCode is USD. Can set up to accept different currency by add CURRENCYCODE=xxx in the config string.
- List of supported codes can be found here: http://support.worldpay.com/support/kb/gg/corporate-gateway-guide/content/reference/usefultables.htm
There will be a section ISO Currency codes with show/hide currency codes option on the page linked above.
Generic Payment Gateway Setup
- Merchant e-Solutions | Merchant e-Solutions Support Portal
- ACH Payments | ACH Support Portal
- ECHOnline | ECHOnline Support Portal
- eWay | eWay Support Portal
- Fast Transact | Fast Transact Support Portal
- LinkPoint (now known as First Data Global Gatewaysm Virtual Terminal) | LinkPoint Support Portal
- Merchant Anywhere | Merchant Anywhere Support Portal
- Moneris | Moneris Support Portal
- NetBilling | NetBilling Support Portal
- Network Merchants | Network Merchants Support Portal
- NexCommerce | NexCommerce Support Portal
- Plug'n Pay | Plug'n Pay Support Portal
- PSIGate | PSIGate Support Portal
- SkipJack | SkipJack Support Portal
- TransFirst eLink | TransFirst Support Portal
- TrustCommerce | TrustCommerce Support Portal
- Verisign | VeriSign Support Portal
- PayFlow Pro | PayFlow Pro Support Portal
- WorldPay Select Junior Invisible | WorldPay Support Portal
- YourPay | YourPay Support Portal
Alternative Gateways
PayPal Express Checkout | Paypal Express Support Portal
- Takes you to their site
- Specific documentation on this method outlined here.
PayPal Payments Standard (Classic PayPal)
- Takes you to their site to checkout
PayPal Payments Pro / Direct Payments (gateway)
- Accepts credit cards much like a payment gateway (uses a standard integration method specific to PayPal)
- Keeps customers on your site (doesn't go to PayPal site)
Credit Based Gateways
International Options
Australia - eWay.au Home | eway.au Support Portal
Canada - BeanStream Home | BeanStream Support Portal
Canada - PSIGate XML Interface Home | PSIGate XML Support Portal
- Set the alternate url to https://secure.psigate.com:7934/Messenger/XMLMessenger
Additional Links & Articles
Article: Accepting Credit Cards
Article: Payment Options Overview
Article: Set up a payment gateway to authorize only
Article: Troubleshooting Payment Gateways
Link: AmeriCommerce Payment Features
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