Setting up online payment gateways

When configuring your payment providers, keep in mind that:

• Your online shop does not handle payments directly.
• Payment processors do impose transaction fees.
• Your online shop does not levy any additional transaction fees.
• Availability of payment providers depends on your location.
• Ensure the provider aligns with your business needs.

Integrating online payment gateway

To receive payments online, you should establish a merchant account with a payment processor from the approved list and select this payment processor (gateway) when incorporating an online payment method in your shop. Note that each payment provider imposes a distinct fee for processing transactions in your shop.

To include an online payment method in your shop:

1. From your shop admin, navigate to Payment.
2. Scroll down to Add new payment methods.
3. Opt for a payment system from the recommended payment options or scroll to the More options to accept online payments section and pick a payment system from the Choose Payment Method dropdown.
4. Complete the fields with the details from your account with that payment processor.
5. Enter the name for this payment method during checkout:
   

   

6. Maintain the Show at checkout setting as Enabled to provide this payment method during checkout.
7. (optional) Include payment instructions for this payment method during checkout:
   

   

8. (optional) Link this payment method with specific shipping options in your shop. Customers will encounter this payment method only if they select the specified shipping options. Scroll to Payment method availability based on shipping choice and click Limit availability by shipping method‍. Click Select Methods and check boxes for all the shipping methods you desire this payment to be accessible to. Then click Select.

To add an online payment method via iOS or Android app:

1. Launch the app.
2. Tap Store in the bottom menu.
3. Select Payments.
4. Scroll to the bottom and tap Choose Payment Processor.
5. Select a payment system.
6. Fill in the details from your account with that payment processor.
7. Input the name for this payment method in your shop.
8. Keep the Show at checkout setting as Enabled to provide this payment method during checkout or disable it to conceal this payment method during checkout.
9. (optional) Add payment instructions for this payment method during checkout.
10. (optional) Associate this payment method with specific shipping options in your shop. Customers will encounter this payment method only if they choose the specified shipping options.
    Scroll to Payment method availability based on shipping choice and tap Limit availability by shipping method‍.
    Tap Select Methods and tick boxes for all the shipping methods you desire this payment to be accessible to. Then tap Select.

That’s it! Your payment gateway is now configured. Consider conducting a test order to assess how this will appear to your customers.

The payment gateways will be shown on your checkout page based on the order you established them. You can always adjust that order. Some payment gateways, such as PayPal, may also display a button on the cart page.

Once a customer completes payment for an order, funds will be directed to your merchant account and your payment provider will need to process the transaction initially. For transactions successfully processed, you can transfer the funds from your merchant account to your bank account. You can monitor order payment statuses in your shop admin → My Sales.

Learn more: How do I receive payments? →

Organizing payment methods on the storefront

By default, all payment methods are displayed on your checkout page in the order they were set up, but you have the option to adjust the order of payment methods if necessary.

To arrange enabled payment methods:

1. From your shop admin, visit the Payment page.
2. Find any of the enabled payment methods, click on Actions, then select Sort:
   

   

3. Adjust the order by dragging and dropping them to the desired position.
4. Changes will be saved automatically.

Configuring your currency for accepting payments

To accept payments through your website using a payment provider (e.g., PayPal, Stripe, etc.), the currency in your shop account must match the currency in your payment provider account.

To modify your currency:

1. From your shop admin, go to the Settings → General → Regional Settings tab.
2. Select your shop currency from the Currency drop-down menu.
3. Choose the Price display format for prices in this currency (it will not affect input fields for prices in your shop admin):
   

   

4. If you use a non-USD currency, you can specify the conversion rate in case a payment gateway you want to use only accepts dollars or if a shipping service connected to your shop doesn't accept your currency but works with USD. Your online shop will use the entered rate to convert the order total into dollars and send the request to a payment system. For shipping, it will display the correct actual shipping rate in your shop's currency so that your shipping costs align with the shipping prices in your shop. Example:
   
   
   

   

5. Choose whether the currency symbol should be displayed before (prefix) or after the price (suffix).
6. Enable or disable the Hide trailing zeros in the fractional part option for prices in your shop.
7. Save the changes.

Deactivating a payment provider

If you no longer wish to use a payment provider, you can deactivate or remove it. Once removed, it will no longer appear on your checkout page.

To deactivate a payment provider:

1. From your shop admin, visit the Payment page.
2. Find any enabled payment method and toggle the button to deactivate this method and remove it from the checkout page.
3. (optional) Click on Actions, then Remove next to the relevant payment provider to disconnect it.

Frequently Asked Questions

Where can I manage my funds?

Control and manage funds in your merchant account through your merchant service provider, which is typically your payment gateway.

How do I withdraw money?

Your online shop doesn't directly process any transactions. Online payments are processed by the payment gateway you've selected for your payment method. To withdraw money received for orders through the payment gateway, you should log into your account with this payment system and link your bank account or use another withdrawal option they offer.

How can I issue a refund?

To refund a payment, you should locate the respective transaction in your account with the payment gateway that processed the payment and issue the refund from there.

Can customers pay by credit card without leaving my site?

Yes, with certain payment providers, your online shop displays the credit card form directly within the store’s checkout page, so customers aren't redirected to the payment gateway website to enter their credit card details. Instead, they remain on your domain throughout the entire checkout process.

If you wish to use such on-site payment methods, you can utilize one of these payment providers for online credit card processing in your online shop: Stripe, Square, Chase Integrated Payments Powered by WePay, American Express, Payleap, Clover payment gateway.

Can payments be captured later?

Yes, with certain payment methods, you can choose how to capture payments from customers:

• Capture payments automatically
  With this transaction type, funds are captured from a customer’s credit card immediately, at the time of order placement. This transaction type is usually referred to as Purchase, Purchase only, or Sale in the payment method settings.
• Capture payments manually
  If this transaction type is selected, during order placement your shop will check your customers’ credit card balance. You can then capture the money from the customer’s credit card later (e.g., when you are ready to ship their order). To actually charge the customer, you should log into your account with the payment gateway and click a special button. This transaction type is often called Auth Only, Authorization Only, Pre-authorization in the payment method settings.
  You can choose the transaction type that best suits you with the following payment systems supported by your online shop: Authorize.Net, American Express, Bambora North America, PayPal Payflow link.

The payment gateway determines the time window during which funds can be captured manually.

Can customers buy now and pay later?

Yes, you can provide financing options to your customers through PayPal Credit, Afterpay, Clearpay (UK).

Can I add a surcharge to use a payment method?

Typically, a payment processor imposes a service fee for processing credit cards. You can impose a surcharge for customers so that additional fees are visible at checkout when a particular payment method is selected. Please note that some payment providers may prohibit adding surcharges.

You can also set a handling fee to cover your expenses. This fee is applied to all orders regardless of the payment method. If you use real-time rates and don't want an additional fee to be visible at checkout, you can add shipping markups.

You can also adjust product prices to absorb any additional costs.