Configuring Payment Methods

The default Business Manager installation allows you to manually charge your customers via checks or bank drafts. To start accepting online payments with credit cards or bank transfers, you should configure a payment gateway or a bank transfer plugin.

When you set up a payment gateway, your customers are able to pay for your services online. Depending on your policy, use on-site or off-site gateways for accepting payments. The difference between them is the following:

• If you use on-site gateways, your customers enter their cards information directly in your online store and the system saves their secure information to your database. To ensure the security of this information, use on-site gateways only if you have configured the encryption of customer data as described in the section Setting Up Encryption.
• Off-site gateways connect Business Manager to payment systems that process transaction on their own sites, for example, PayPal.

Bank transfer plugins enable your customers to pay for their subscriptions online by transferring money from their bank accounts.

To add a payment gateway or a bank transfer plugin, go to Business Setup > All Settings > Payment Gateways, click Add New Payment Gateway, and choose the module you want to add. When you configure a payment gateway or a bank transfer plugin, remember that these modules can have limitations or particularities in their configuration. For example, a module might support only certain currencies or require you to fill in custom fields, or log in to your merchant account and take extra steps to successfully set up a gateway. To learn these module-specific details, refer to the sections Payment Gateways Configuration Details and Bank Transfer Plugins Configuration Details.

If you want to to change settings for a gateway or a plugin, for example, to start using it in another online store, go to the gateways list Business Setup > All Settings > Payment Gateways, and click the gateway name in the list.

When you decide to stop accepting payments with a certain payment gateway or a bank transfer plugin, remove it. To remove a payment gateway or a bank transfer plugin, go to the gateways list, select the modules that you no longer need, and click Remove.

Testing gateways and sending transactions manually

If you want to ensure that that gateway module works properly or manually start a payment transaction, use virtual terminal to send transaction data directly to the payment system. Learn more about running transactions using virtual terminals in the section Testing Gateways Using Virtual Terminals.

Setting up payment queue

Business Manager creates invoices and runs payment transactions automatically. To initiate an invoice payment, the system adds the invoice to the payment queue. To learn how to define rules that govern the processing of the invoices in payment queue, refer to the section Setting Up Payment Queue.