This article will provide information for administrators to understand how e-commerce works, as well as how to configure this within Certain. 

How Online Credit Card Processing Works

The basic process requires 3 components:

1.  A merchant bank account.
2.  A processor or third-party processor.
3.  A payment gateway.

Certain then connects to your PayPal account via a Certain e-commerce account connection.

Internet Merchant Bank Account

This special type of account is required for merchants who wish to sell goods and services over the Internet and accept credit cards as payment. This type of account is different than a typical merchant account and is considered card-not-present, like mail-order / phone-order (MO/TO) merchant accounts.

Merchant accounts are different from checking or savings accounts because they allow you to process credit card charges into it. Because you can issue refunds from this account into people's credit cards (and because you are responsible for issuing chargebacks even if you already spent that money), the merchant account application process includes a credit check that is more rigorous then that for checking/savings accounts. Banks are effectively issuing you a credit line when you get a merchant account.

There are thousands of banks that will issue merchant accounts. Examples include Wells Fargo, Bank of America, and Chase Paymentech.

Processor

A processor is a large data center that processes credit card transactions and settles funds to merchants. A processor connects to the merchant on behalf of an acquirer via a gateway (such as PayPal or Cybersource) or POS system to process payments electronically. Processors edit and format messages and switch to bankcard networks. They provide files for clearing and settlement and other value-added services.

The processor may be the acquirer bank, or it may be a third-party processor. There are only a small number of payment processors, which all banks use. These include EDS Aurora, FDMS (Nashville), Global Payments (Central, East), Nova, Paymentech, Vital (Visanet), etc.

Other related terms:

• Acquirer: A bank or financial institution that issues merchant accounts for the acceptance of credit card transactions.
• Acquiring Bank: The bank that maintains the merchant relationship and receives all transactions from the merchant.
• Third Party Processor: A non-member agent, employed by an acquiring bank, which provides authorization, settlement and merchant services to the bank's merchant.

Payment Gateway

Certain currently integrates with the following payment gateway products:

• PayPal PayFlow Pro 
  • NOTE: Certain DOES NOT integrate with the traditional consumer-to-consumer PayPal Product. 
• Cybersource
• Authorize.net
• QuikPay 
  • Primarily used by educational institutions.
• Pay.gov 
  • Primarily used by government organizations.
• Ogone/Ingenico 
  • Belgium based gateway used to process non-USD payments.
• WorldPay
• Realex
• SecurePay
• DPS
• TouchNet
• CashNet
• EPX
• Stripe
• Card Connect
• Chase Orbital

If you have an existing internet merchant account that is set up to accept card-not-present transactions, contact one of the above providers to set up a payment gateway account.

Once the payment gateway account is set up, simply create an E-Commerce account within Certain, and input the username and password to connect to your payment gateway.

If you do not have an existing merchant account, cannot get approved for one, or do not want to have one set up, then you can contact PayPal directly and ask for information on setting up a PayPal Website Payments Pro PayFlow Edition. Website Payments Pro PayFlow Edition acts as the internet merchant bank account and provides you with a PayFlow Pro account and charges you a monthly fee and a percentage on each transaction.

NOTE: When contacting PayPal and requesting the "Website Payments Pro PayFlow Edition," ensure that you specify you need a "separate PayFlow gateway using PayPal processing and access to the PayPal Manager".

Configuring Your Certain Account to Process Payments

Once you have activated one of the payment gateway products listed above, an administrator-level user should enter the payment gateway account details (variable by gateway) into the Certain E-Commerce settings.

• Navigate to Setup > Registration > Financial Data.
• Click Add New in the E-commerce Accounts section.
• Enter the payment gateway details.
• Click Save.