Reference Guide

Payment

Types of Payment Modules

Payment modules fall into three general categories:

• Real-time payment gateway: During checkout, Miva Merchant will send the payment information to a gateway company which can verify a transaction for any of the major credit cards and return a pass or fail. Most of the Miva Merchant payment modules are real time gateways.
• You must use a real-time payment gateway to use the 3 digit Card Verification Code (CVV2) on the back of the customer's credit card.
• You must have a merchant account with a bank or ISO (Independent Sales Organization) to use a real-time gateway. A merchant account is like a bank account, but it doesn't contain any funds. It is used as a holding location for the transfer of funds. There are additional fees associated with having a merchant account.
• Unlike third-party checkout modules, with a real-time gateway the customer completes the entire checkout in your on-line store. If you are running analytic software, like Google Analytics, it can track the entire checkout process.
• All real-time payment gateways support authorization, capture, refunds, and voiding.
• Off-line payment: Payment information is collected during checkout but the payment is not processed in real-time. Checks, COD, and credit card with simple validation are examples of off-line payments.
• Third-party checkout:
1. The customer starts the checkout process in your on-line store.
2. When the customer submits the Payment Information page (OPAY), they are taken to the thirdparty website to make their payment.
3. When the customer finishes paying, they return to your on-line store, usually at your invoice screen (INVC).

Google Wallet, Checkout by Amazon, and PayPal Payments Standard are examples of third-party checkout systems.

• When the customer is redirected to the third-party site, analytic software running in your store, such as Google Analytics, cannot track the customer. In some cases the customer will cancel the transaction while at the third-party site and not return to your store immediately.
• Third-party checkout systems don't require a merchant account, but you usually need a seller's account with that company.

To Configure Payment Modules and Methods

Miva Merchant supports a large number of payment modules and methods and the exact steps to configure each one varies. The general process looks like this:

1. Install a Payment Module. See To Add Payment Modules.
2. Configure the Payment Module tab.

In most cases, installing a payment module will add one or more tabs under > Payments. For example, if you install the Amazon Payments module, you'll see a new tab: > Payments > Amazon Payments tab

Some Payment Modules support a number of payment methods. For example, Authorize.Net supports American Express, Visa, MasterCard, etc. When you configure the Payment Module tab, you select the payment methods that you want. The exact steps to configure each Payment Module tab are described throughout this chapter.



3. Configure payment methods at the store level.

After you select payment methods in a Payment Module tab, those methods will show up in: > Payments > Payment Method Rules tab

For example:

3.1. You installed the Authorize.Net module.

3.2. In the Authorize.Net Payment Services v3.1 tab, you selected American Express, Visa, and MasterCard as the payment methods.

3.3. All of the payment methods that you selected will show up in the > Payments > Payment Methods Rules tab.

 



See To Edit Payment Method Rules.

3.4. If you double-click on a payment method, you'll open the Payment Method Rules dialog box. This dialog box has a number of settings that affect how the payment method works. The settings you choose here will be a store-wide default for all of your products.



4. Configure payment methods at the product level (optional).

You can also restrict payment methods at the product level:

Catalog > Products tab > edit product > Product tab > Payment Rules section.



See:

• To Disable Off-Line Payment Methods for Digital Products
• To Use "Exclude This Method Unless Permitted by Products"

Payment > Payment Method Rules

Edit Priorities Button

The Edit Priorities button gives you some control over the order of payment options that customers see during checkout.

1. Go to > Payments >
2. Click Edit Priorities. >



3. In the Payment Method Priorities dialog box, enter a priority next to one or more payment methods. A larger number means a higher priority. The higher the priority, the closer to the top of the list that payment method will be in the Pay With list box.

Note that you also can set the payment priority when you edit payment method rules. See To Edit Payment Method Rules

Filter by Payment Module Button

The Filter by Payment Module button temporarily shows or hides some payment methods, to make the Payment Method Rules tab a little less cluttered. It's similar to running a List Search.

For example, let's say that you have the following payment modules enabled in your store:

• PayPal
• Authorize.Net
• Credit Card with Simple Validation

With these modules, you might have quite a few payment methods enabled. If you only want to view the Authorize.Net payment methods, click on the Filter by Payment Module button and select Authorize.Net. Note that you can also select more than one payment module at a time.

To Edit Payment Method Rules

1. Go to > Payments > Payment Method Rules tab.
2. Double-click on a payment method. The Payment Method Rules dialog box opens.

Module: The payment module that contains the current method.

Payment Method: The name of the payment method you are editing.

Priority: Priority lets you sort the order that payment methods are shown to customers during checkout. See Edit Priorities Button.

Display As: Change the name of this payment method as it is shown to customers during checkout.

Restrictions: Restrictions let you control when a payment method will be shown to customers.

• Restrict to Order Subtotal: This payment method will only be shown to customers when their order total falls into a certain range.
• Geographic Restrictions: Only show this payment method if the customer's Ship To address is in selected US states or countries.
• Restrict to Zip Codes: Only show this payment method if the customer's Ship To address is in selected zip codes.
• Exclude This Method Unless Permitted by Products: Once you check this box, this payment method will never be shown to customers unless you allow it at the product level. See To Use "Exclude This Method Unless Permitted by Products".

Exclusions: Use the Exclusions drop-down list to remove a payment method during checkout based on the presence of another method. For example, you could prevent Visa and American Express from both being displayed during checkout at the same time:

• If Visa is shown, don't display American Express.
• If American Express is shown, don't display Visa.

To Use "Exclude This Method Unless Permitted by Products"

1. Select the feature.

1.1. Go to > Payments > Payment Method Rules tab.

1.2. Double-click on a payment method to open the Payment Method Rules dialog box.

1.3. In the Payment Method Rules dialog box, check the "Exclude This Method Unless Permitted by Products" checkbox.





2. Enable the payment method for a specific product.

2.1 Go to > Catalog > Products tab > edit product > Product tab > Payment Rules section.



2.2 Select the check payment checkbox to allow it for the product you are editing. You would have to do this for every product where you want your customer to be able to pay by check. If you were going to enable the payment method for a large number of products, you can set the Permitted Payment Methods during export/import. See: > Data Management > Import/Export tab > Export Products to Flat File > Export Fields > Payment Rules Fields.

For an example of using "Limit Payment Methods" and "Permitted Payment Methods", please see To Disable Off-Line Payment Methods for Digital Products.