Payment Gateway Option Descriptions

This page gives an explanation of each of the configuration fields of each payment gateway supported in DecoNetwork.

• APPS
• Authorize.Net
• Braintree
• Ingenico
• MultiSafepay
• PayJunction
• Payment Asia
• PayPal Website Payments Pro US
• Opayo (Formerly known as SagePay)
• SecurePay
• Stripe
• Stripe Checkout
• Verifone PAYware Connect

Click on the payment gateway title to load the website for that payment gateway.

APPS

The APPS payment gateway is provided by payment solutions and services company, APPS (Atlantic Pacific Processing Systems), headquartered in Las Vegas, Nevada with a Service Center in Fountain Valley, California, United States.

Username

This is the username assigned to your APPS account.

Password

This is the password specified for your APPS account.

Confirm Password

Retype the password for your APPS account to make sure it's correct.

Mode

This field allows you to set whether the payment gateway is live or in testing mode. If you choose Testing mode, you can test purchases using the gateway without credit cards getting billed.

Funds Capture

This field allows you to choose when funds are captured:

• Capture funds at the time sale/payment is made: when this option is selected, funds will be captured when buyers confirm the order, i.e. money will be collected at the time of sale.
• Only authorize funds at the time sale/payment is made, capture funds at the time the order is completed/marked shipped: when this option is selected, authorization is granted at the time of sale, but funds will only be captured when the order is shipped.

Authorize.Net

Authorize.Net is a solution by United States-based payment gateway service provider allowing merchants to accept credit card and electronic check (echeck) payments through their website and over an Internet Protocol connection.

API login ID

This is the unique identification number of your Authorize.Net account, used to connect your website to the Authorized.Net Payment Gateway for transaction processing.

Transaction Key

The transaction key is a 16-character system-generated code, similar to a password, used to authenticate requests submitted to the Authorize.Net Payment Gateway.

To obtain an API login ID and Transaction Key:

1. Go to the Authorize.Net website and log into your Authorize.Net account
2. Click Account from the main toolbar
3. Click Settings in the main menu on the left-hand side
4. Click API Credentials & Keys

   Your API Login ID is displayed on the page if one has been generated already. If not, enter your Secret Answer. (You should have configured a Secret Question and Secret Answer during account activation). The API Login ID will then be generated.

5. Select New Transaction Key.
6. Click Submit to continue.

   Your new Transaction Key is displayed.

Mode

This field allows you to set whether the payment gateway is live or in testing mode. If you choose Testing mode, you can test purchases using the gateway without credit cards getting billed.

Funds Capture

This field allows you to choose when funds are captured:

• Capture funds at the time sale/payment is made: when this option is selected, funds will be captured when buyers confirm the order, i.e. money will be collected at the time of sale.
• Only authorize funds at the time sale/payment is made, capture funds at the time the order is completed/marked shipped: when this option is selected, authorization is granted at the time of sale, but funds will only be captured when the order is shipped.

Transaction Description

This is the description of the goods purchased as it will appear in a transaction. The variable, [SITE], will display the domain name of your site and the variable, [ORDER_NUMBER] will display the number of the order in the transaction description.

Braintree

This payment gateway is a solution offered by Braintree, a division of PayPal, and is a company based in Chicago in the United States with offices in New York, San Francisco, Austin, London, Sydney, and Singapore.

Merchant ID

This is the unique identification number of your Braintree account.

Merchant Account ID (Optional)

This is the unique identification number for specifying a particular merchant account within your Braintree account.

Public Key

This is the unique public API authentication code assigned to your Braintree account.

Private Key

This is the unique private API authentication code assigned to your Braintree account.

To find your Merchant ID, Private Key, and Public Key:

1. Go to the Braintree website and log into your Braintree account
2. Go to Account > My user
3. Click on the API Keys link

   The Merchant ID and Public Key are displayed on this page

4. To obtain the Private Key, click on the View link

   A Private Key will be generated

Mode

This field allows you to set whether the payment gateway is live or in testing mode. If you choose Testing mode, you can test purchases using the gateway without credit cards getting billed.

Use Advanced Fraud Protection

This allows you to enable the advanced fraud tools for credit card transactions and verifications, provided by Braintree. Only enable this option once you have already enabled the Advanced Fraud Tools in the Braintree Control Panel for your account.

Use 3D Secure

This allows you to enable the 3D Secure authentication process in the checkout workflow to request additional information from the customer to authenticate their payment. Only enable this option once you have already enabled 3D Secure in the Braintree Control Panel for your account.

Force 3D Secure Challenge on All Payments

This allows you to force all payments to go through the 3D Secure authentification challenge. Only enable this option if you have enabled the Use 3D Secure option.

Enable customers to pay with PayPal

This allows you to enable customers to make payments using PayPal. Only enable this option once you have already enabled PayPal in the Braintree Control Panel for your account.

Ingenico

The Ingenico payment gateway is offered by Payment Service Provider, Ingenico ePayments (previously Ogone), headquartered in Brussels, Belgium. Ingenico ePayments also has regional offices in the Netherlands, France, Germany, Austria, Switzerland, UK, US and India, and a partnership in the UAE.

PSPID

This is your unique Ingenico Payment Service Provider ID (or affiliation name) in the Ingenico system.

SHA-IN Pass phrase

This is the SHA-IN passphrase that you have set up in your Ingenico back office at "Technical information > Data and origin verification".

When you use this data verification method, our server generates a unique character string for each transaction, hashed with the SHA algorithm (developed by NIST) of your choice: SHA-1, SHA-256 or SHA-512.

SHA-OUT Pass phrase

This is in the SHA-OUT passphrase that you have set up in your Ingenico back office at "Technical information > Transaction feedback".

When you use this data verification method, the Ingenico server generates a unique character string for each transaction feedback, hashed with the SHA algorithm (developed by NIST) of your choice: SHA-1, SHA-256 or SHA-512.

Language

This field lets you choose which language is displayed on the Ingenico payment page.

Template

This field lets you enter the name of a custom template from your Ingenico account, used to set the look and feel of the payment page. Leave this field blank to use default settings to display the payment page.

D.O.B Field

This is the name of the field to use for Date Of Birth on the payment page. (Must match the Ingenico Date Of Birth field name).

Mode

This field allows you to set whether the payment gateway is live or in testing mode. If you choose Testing mode, you can test purchases using the gateway without credit cards getting billed.

MultiSafepay

The MultiSafepay payment gateway is offered by a Payment Service Provider headquartered in Amsterdam, Netherlands.

Account ID

This is the account identification number that is assigned to your MultiSafepay account.

Site ID

This is the MultiSafepay site identification number you will receive when you register your DecoNetwork website URL in your MultiSafepay account.

Site Code

This is the MultipSafepay site security code you will receive when you register your DecoNetwork website URL in your MultiSafepay account.

To register your DecoNetwork website in your MultiSafepay account:

1. Go to the MultiSafepay website and log into your MultiSafepay account.
2. Go to Settings > Sites.
3. Configure the settings to connect your DecoNetwork website:
   1. Select a category for your DecoNetwork website from the Category drop-down list.
   2. Enter your DecoNetwork site description in the Description field. This is the name of your site as it will appear in a transaction.
   3. Enter the URL of your DecoNetwork website in the Base URL field.
   4. In the Notification URL field, enter the URL used by MultiSafepay to notify DecoNetwork of new payments and changes to existing payments. The URL required MUST be set in the format:

      https://your_store_url/external_checkout/notify

      e.g. https://acmecustomshop.secure-decoration.com/external_checkout/notify

   5. Tick the Enable PrivatePay checkbox if you want to enable anonymous payments. Ticking this checkbox will mean that MultiPay will not give you the customer's personal information. PrivatePay is only possible with non-physical products.
   6. Tick the Enable SecondChance tickbox if you want a payment link to be automatically emailed to your customer. This email will give the customer a second chance to complete the transaction if they left your shop without completing a purchase.
4. Click Save.

   The Site ID and Site Code will be generated at this point.

Mode

This field allows you to set whether the payment gateway is live or in testing mode. If you choose Testing mode, you can test purchases using the gateway without credit cards getting billed.

Payment Method Name

This is the name of this payment method as it will appear on your DecoNetwork website. You can leave this field blank to use the default name which is "Multiple payment options available through MultiSafepay".

PayJunction

PayJunction payment gateway is a product of Merchant Service Provider, PayJunction, based in Santa Barbara, California, United States.

Merchant ID

This is the unique identification number of your PayJunction account. To find your Merchant ID:

1. Go to the PayJunction website and log into your PayJunction account
2. Go to the Settings menu at the top of the website
3. Click on Settings Overview

   You should see a page with one or more terminals listed. The Merchant ID is listed at the bottom-left of each terminal section.

Password

This is the password you specified for your PayJunction account.

Mode

This field allows you to set whether the payment gateway is live or in testing mode. If you choose Testing mode, you can test purchases using the gateway without credit cards getting billed.

Funds Capture

This field allows you to choose when funds are captured:

• Capture funds at the time sale/payment is made: when this option is selected, funds will be captured when buyers confirm the order, i.e. money will be collected at the time of sale.
• Only authorize funds at the time sale/payment is made, capture funds at the time the order is completed/marked shipped: when this option is selected, authorization is granted at the time of sale, but funds will only be captured when the order is shipped.

Payment Asia

The Payment Asia Payment Gateway service is provided by Payment Asia, a leading electronic payment solution and e-business management company in the Southeast Asia region in China, offering business payment solutions globally.

Merchant ID

This is the unique identification number assigned to your Payment Asia account.

Merchant Reference Title

This is the reference name assigned to your Payment Asia account.

Payment Type

This field lets you choose when funds are captured. If Payment Type is set to Normal, funds will be captured when buyers confirm the order, i.e. money will be collected at the time of sale. If Payment Type is set to Hold (Authorize Only), funds will be captured when you manually authorize it.

Payment Method

This field lets you choose which payment methods are available to the customer. Select All to allow all payment methods, including Bitcoin, Alipay, PayPal and credit card payments. Select Credit Cards Only to only allow credit card payments.

Language

This field lets you choose which language is displayed on the Payment Asia payment page.

PayPal Website Payments Pro US

PayPal Website Payments Pro US is a paid payment gateway service provided by PayPal (to US customers only). With PayPal Website Payments Pro US, you can accept credit card and debit card transactions directly on your website.

Funds Capture

This field allows you to choose when funds are captured:

• Capture funds at the time sale/payment is made: when this option is selected, funds will be captured when buyers confirm the order, i.e. money will be collected at the time of sale.
• Only authorize funds at the time sale/payment is made, capture funds at the time the order is completed/marked shipped: when this option is selected, authorization is granted at the time of sale, but funds will only be captured when the order is shipped.

Use Unique Invoice Number

This field allows you to ensure Invoice numbers are unique by appending a suffix to the invoice number in the case where multiple payments are made for an order.

Opayo (Formerly known as SagePay)

The Opayo payment gateway, provided by the UK company, Evalon, services small to medium-sized enterprises in the UK and Europe.

Supplier Name

This is the name chosen by you on the Opayo online application form or assigned to you by Opayo when you create your account.

Mode

This field allows you to set whether the payment gateway is live or in testing mode. If you choose Testing mode, you can test purchases using the gateway without credit cards getting billed.

Is SagePay account setup to allow Mail-Order/Telephone-Order payments?

Select "Yes" if your Opayo account allows you to process mail order and telephone order (MOTO) transactions. The ability to process MOTO transactions means that you or your staff can enter card details for the transaction on behalf of your customer. When this option is set to "Yes", payments made via Business Hub are able to bypass 3D Secure authorization.

AVS/CV2

This setting lets you customize the level of AVS and CV2 security checks and rule-set that you have configured for transactions processed through your account. This is useful when you have established trusted customer contact and you wish to override the default security checks.

• If AVS/CV2 enabled then check them. If rules apply, use rules.: if you have enabled AVS and/or CV2 checks, they will be carried out; If you have set up transaction processing rules, they will be applied if this option is selected.
• Force AVS/CV2 checks even if not enabled for the account. If rules apply, use rules.: this option will force AVS/CV2 checks to be carried out even if they have not been enabled for your account and if you have set up transaction processing rules, they will be applied.
• Force NO AVS/CV2 checks even if enabled on account.: this option will prevent AVS/CV2 checks to be carried out even if they have been enabled for your account.
• Force AVS/CV2 checks even if not enabled for the account but DON’T apply any rules.: 
• this option will force AVS/CV2 checks to be carried out even if they have not been enabled for your account and if you have set up transaction processing rules, they will not be applied.

Funds Capture

This field allows you to choose when funds are captured:

• Capture funds at the time sale/payment is made: when this option is selected, funds will be captured when buyers confirm the order, i.e. money will be collected at the time of sale.
• Only authorize funds at the time sale/payment is made, capture funds at the time the order is completed/marked shipped: when this option is selected, authorization is granted at the time of sale, but funds will only be captured when the order is shipped.

Network Access IP

Opayo limits the IP addresses that are allowed to use your account. This setting was implemented to handle the situation where you have already configured the Opayo payment gateway in your DecoNetork account and we change the address of our servers. This allows you to swap over to the new IP address by selecting "Current". Make sure you add the current IP address (65.39.250.35) to your Opayo account before you set the Network Access IP to "Current".

Transaction Description

This is the description of the goods purchased as it will appear in a transaction. The variable, [SITE], will display the domain name of your site and the variable, [ORDER_NUMBER] will display the number of the order in the transaction description.

SecurePay

The SecurePay Online Payment Gateway for businesses of all sizes is provided by an Australian company, SecurePay, based in Melbourne.

Merchant ID

This is the unique 7-digit alphanumeric identification code of your SecurePay account, supplied to you by SecurePay.

Password

This is the password for your SecurePay account, supplied to you by SecurePay.

You can find your Merchant ID and Password in the activation email you receive when you switch your SecurePay account to live.

Mode

This field allows you to set whether the payment gateway is live or in testing mode. If you choose Testing mode, you can test purchases using the gateway without credit cards getting billed.

Testing Merchant ID

This is the unique 7-digit alphanumeric testing identification code for your SecurePay account, supplied to you by SecurePay.

Testing Password

This is the testing password for your SecurePay account, supplied to you by SecurePay.

You can find your Testing Merchant ID and Testing Password in the email you receive when your application for a SecurePay account is provisionally approved.

Allow reversal

This option lets you choose whether payment reversals are allowed - currently, only Westpac accounts support this functionality.

Visa/Mastercard compliant?

SecurePay offers an auto-batch close service that automatically settles merchants’ transactions at the same time every day. Visa and Mastercard processing standards, however, require that authorizations be manually closed.

The "Visa/Mastercard compliant? (Manual batch closing)" field is set to Yes by default, meaning that authorizations are configured for manual batch mode to comply with Visa/Mastercard requirements.

Select No if you do not want to comply with Visa and Mastercard requirements and auto-close your authorizations.

Use Fraud Guard

This option lets you choose whether FraudGuard is used. SecurePay's FraudGuard tool helps you detect fraudulent transactions before they occur by letting you set up your own fraud screening rules within the merchant login.

If you are using Fraud Guard you will not be able to manually authorize or capture payments. The money will be automatically taken at the time of sale.

Stripe

The Stripe payment gateway is provided by a technology company, Stripe, headquartered in San Francisco, California, United States. Areas serviced by Stripe include Canada, the Kingdom of Denmark, Hong Kong, Luxembourg, New Zealand, Norway, and Singapore. The Stripe payment gateway is a non-hosted payment gateway, meaning your customers can complete the checkout process directly on the payment page on your website. Use this payment gateway if you are not subject to SCA compliance regulations and want your customers to have a better user experience.

Mode

This field allows you to set whether the payment gateway is live or in testing mode. If you choose Testing mode, you can test purchases using the gateway without credit cards getting billed.

Test Api Key

This is the Test Secret API authentication code for your Stripe account, supplied to you by Stripe.

Live Api Key

This is the Live Secret API authentication code for your Stripe account, supplied to you by Stripe.

To locate your Test and Live Secret API Keys:

1. Go to the Stripe website and log into your Stripe account
2. Go to Your account > Account Settings > API Keys

Funds Capture

This field allows you to choose when funds are captured:

• Capture funds at the time sale/payment is made: when this option is selected, funds will be captured when buyers confirm the order, i.e. money will be collected at the time of sale.
• Only authorize funds at the time sale/payment is made, capture funds at the time the order is completed/marked shipped: when this option is selected, authorization is granted at the time of sale, but funds will only be captured when the order is shipped.

Transaction Description

This is the description of the goods purchased as it will appear in a transaction. The variable, [SITE], will display the domain name of your site and the variable, [ORDER_NUMBER] will display the number of the order in the transaction description.

Stripe Checkout

The Stripe Checkout payment gateway lets you collect payments through an external payment page hosted by Stripe. Unlike the standard Stripe payment gateway, Stripe Checkout is SCA compliant. Use this payment gateway if you serve customers in the European Economic Area (EEA) where electronic payments are required to be SCA compliant.

Mode

This field allows you to set whether the payment gateway is live or in testing mode. If you choose Testing mode, you can test purchases using the gateway without credit cards getting billed.

Test Publishable Api Key

This is the publishable API authentication code used for testing your Stripe Checkout account, supplied to you by Stripe.

Test Secret Api Key

This is the secret API authentication code used for testing your Stripe Checkout account, supplied to you by Stripe.

Live Publishable Api Key

This is the publishable API authentication code for running live transactions on your Stripe Checkout account, supplied to you by Stripe.

Live Secret Api Key

This is the secret API authentication code for running live transactions on your Stripe Checkout account, supplied to you by Stripe.

The Publishable API Keys are used to solely identify your account with Stripe. The Secret API Keys are used to perform any API calls to Stripe without restriction. You must keep your Secret API keys confidential. The API keys can be found in the Dashboard of your Stripe account.

Direct Capture

This field allows you to choose if funds are directly captured at the time of sale:

• Yes: when this option is selected, funds will be captured when buyers confirm the order, i.e. money will be collected at the time of sale.
• No: when this option is selected, authorization is granted at the time of sale, but funds will only be captured when the order is shipped.

Collect Billing Address

This field lets you choose whether you want Stripe to collect the billing address at checkout.

Transaction Description

This is the description of the goods purchased as it will appear in a transaction. The variable, [SITE], will display the domain name of your site and the variable, [ORDER_NUMBER] will display the number of the order in the transaction description.

VeriFone PAYware Connect

PAYware Connect (formerly IPCharge) is a payment gateway service provided by a multinational corporation, VeriFone, based in Honolulu, Hawaii, operating in 150 countries.

Merchant Key

This is the unique identification number for your VeriFone account, supplied by VeriFone.

Client Id

The Client ID is assigned by VeriFone and is your PAYware Connect account number. It can be obtained
from your PAYware Connect administrator or found in the activation email you received when you signed up.

Username

This is the username assigned to your VeriFone account. This can be found in the activation email you received when you signed up.

Password

This is the password specified for your VeriFone account. This can be found in the activation email you received when you signed up.

Mode

This field allows you to set whether the payment gateway is live or in testing mode. If you choose Testing mode, you can test purchases using the gateway without credit cards getting billed.

Funds Capture

This field allows you to choose when funds are captured:

• Capture funds at the time sale/payment is made: when this option is selected, funds will be captured when buyers confirm the order, i.e. money will be collected at the time of sale.
• Only authorize funds at the time sale/payment is made, capture funds at the time the order is completed/marked shipped: when this option is selected, authorization is granted at the time of sale, but funds will only be captured when the order is shipped.

Custom Gateway Url

This field lets you specify a custom URL for the payment page. Leave this blank unless you are hosting your own PAYware server.

Use Form Field

This field lets you choose whether to send the XML payload as a form field instead of the request body. This is only used when hosting your own server.