DecoPay

DecoPay is DecoNetwork's new embedded payment system, powered by Stripe. Unlike the existing payment gateways which integrate an external payment processor to accept payments, DecoPay brings payments in-house with the payment solutions being built directly into the DecoNetwork platform. There are numerous benefits to embedded payments:

• Faster setup
• Improved customer experience through a more seamless payment process
• Faster payment collection and access to funds - payout speed, in most cases, is 2-3 days after a sale has been made and cleared funds are scheduled to be deposited into your account daily.
• Ability to offer a wider range of payment methods
• Centralized transaction management - no need to log into a separate platform to manage customer transactions
• Ability to manage transaction disputes from within DecoNetwork
• Access to a detailed transaction history
• Easily obtain transaction reports using the Export feature

If you are an existing customer and already have an integrated payment gateway configured, your current payment gateway will remain active. DecoPay will become available to you at a later date. You are encouraged to sign up for DecoPay. Once signed up, DecoPay will replace your previous payment gateway. There are no additional fees for switching to DecoPay. Prices for transaction processing will remain the same as when you use a third-party payment gateway.

If you are a new customer and wish to integrate with an external payment gateway currently available in DecoNetwork, you can do so by enabling the Payment Gateways app. Note, payments processed through non-DecoPay gateways will be subject to transaction fees. View the Enable Third-Party Payment Gateway Integrations help article for instructions.

Prerequisites

• You must have administrator access to use this feature

In this article, you will learn how...

• To setup DecoPay
• To configure DecoPay
• To manage disputes

To setup DecoPay:

If you are a new sign-up and skipped the DecoPay setup step during the signup process, you will need to complete this step to enable DecoPay. If you are an existing customer and already have an integrated payment gateway setup, you will also need to complete this step if you want to use DecoPay as your current payment gateway.

1. Log into your DecoNetwork Website.
2. Browse to Admin > Settings.

   Select Payment Methods.

   

   

   The Payment Methods page will be displayed. The DecoPay option will be displayed in the top panel, followed by alternative payment methods in the next panel, then currently configured manual payment methods in the bottom panel.

   

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3. Click on the Signup button.

   You will be taken to the Stripe application process.

4. Complete the Stripe application.

   The Stripe application consists of the following parts:

   • Contact Details - Enter your contact details and enter the verification code when prompted.
   • Business Information - Enter your business identification details.
   • Personal Details - Enter the personal details (to be completed by the principal owner of the business or authorized personnel). Identification details will need to be provided for verification.
   • Business Owners - Enter the contact details of additional business owners who own 25% or more of the business.
   • Account for Payouts - Enter the bank account details of the account where you would like to receive your payouts.

     The information required may vary depending on your business type.

5. Review your details. If the supplied details are correct, click on the Agree and Submit button to submit your application.

   At the end of the application process, in most cases, the application will be approved and you will be taken back to the DecoNetwork Payment Methods page.

   If your application requires review, it can typically take 1 to 2 business days to complete. If this happens, you will have to return to the DecoNetwork Payment Methods page to complete the setup after your application has been approved.

To configure DecoPay:

1. Browse to Admin > Settings > Payment Methods.

   

   

   The Payment Methods page will be displayed.

   

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2. Click on the Configure DecoPay button.

   The DecoPay configuration page will be displayed.

   

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3. Configure the DecoPay settings as required.

   The DecoPay settings will be broken up into General information and options and settings for each of the payment methods available.

   General

   The General screen will contain a summary of the payments processed in DecoPay and settings to choose what payment methods you want to make available to your customers.

   Payments Summary

   

   You can click on the View Payouts, View Transactions, and View Disputes links to see a history of all payouts, transactions, and disputes respectively.

   

   Click the image to enlarge.

   Select Payment Methods

   You can select which payment methods you want to offer in your stores by ticking the checkbox of the desired payment methods. The available payment methods will vary depending on the country you are in.

   

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   Payment Method Settings

   For each payment method, you will able to configure the name and description, fees and limits, and the locations you want the payment method to be available in.

   Rename

   The Rename screen allows you to override the default Name and default Description of the payment method.

   

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   Fees and Limits

   The Fees and Limits screen lets you specify the Minimum Order Value and override the default Maximum Order Value that you want the payment method to be available for. The transaction fees and chargeback fees will be listed below the limit settings.

   

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   Location

   The Location screen lets you choose the countries in which you want the payment method to be available. By default, the payment method will be available in all countries. Untick the Available for all countries checkbox to choose the individual countries that you want the payment method to be limited to.

   

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   Availability

   The Availability screen lets you choose what parts of DecoNetwork will be allowed to use the payment method.

   

   • Availability: lets you choose if the payment method is available for orders placed via the web store and if it is available for orders placed in Business Hub orders.
     • Active for Web enables the method in Web stores.
     • Active for Business Hub enables the method in Business Hub.
   • Global: lets you toggle the global availability of the payment method.
     • This is available in all stores by default: select this option to make this payment method available in the storefront and in Business Hub for all stores.
     • This is not in any store by default: select this option to hide the availability of this payment method from the storefront and from Business Hub for all stores.
   • Store Group: determines which stores can access the payment type as determined by their group setting. You can see what groups have access set and edit them or click Add Rule to create a new group-based rule. The rules will either specifically include or exclude the group from access to the payment method.
   • Store: sets availability on the basis of explicitly denying or allowing specific stores access to the payment type.
     

     (D) seen after the store name indicates that the store has been deleted.

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4. Click Save once you are done configuring the settings.

To manage disputes:

A dispute occurs when a customer contacts their banking institution and challenges a charge on their account. When a customer initiates a dispute, a temporary hold will be placed on the transaction until the dispute has been resolved. You can manage and respond to disputes in DecoPay.

1. Browse to Admin > Settings > Payment Methods.

   

   

   The Payment Methods page will be displayed.

   

   Click the image to enlarge.

2. Click on the Configure DecoPay button.

   The DecoPay configuration page will be displayed.

   

   Click the image to enlarge.

3. Click on the View Disputes link.

   The Disputes screen will be displayed.

   

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4. Click on the Edit button next to the dispute you want to respond to.

   The Manage Dispute screen will be displayed.

   

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5. Respond to the dispute.

   Assess the dispute details and decide on the appropriate response. You can either challenge the dispute by submitting evidence or accept liability by conceding the dispute.

   Submit Evidence

   To submit evidence, scroll down to the Evidence section and tick the checkboxes of the type of evidence you want to submit. Click on the Edit button beside the evidence type you have ticked. This will bring up a popup window allowing you to select items to attach (such as emails and receipts), enter any evidential details, and upload files supporting your position. Click on the Submit Evidence button to submit the evidence to the issuing financial institution.

   Concede Dispute

   If you assess that the dispute is legitimate, you can choose to concede the dispute. Click on the Concede Dispute button. A confirmation popup will be displayed.

   

   Click Concede Dispute to confirm. Note that once you concede, the dispute, it cannot be reversed.

6. Click Save.