Setting up at least one Credit Card payment gateway

 

 Goals:

    Please click the [ Mark Complete ] button at the bottom of this page when you’ve achieved the following goals:

  • Understand how setting up Credit Card payment can benefit you as a merchant, and why it is therefore an important step in your business setup.
  • Set up a Credit Card payment gateway and understand how to set up further gateways if necessary. 
Why?

Here are some reasons that successful merchants use credit card gateways for selling online:

Convenience:
Credit Card payments are an accepted part of daily life in most countries. They are convenient for both your customers and your business.

Keeps the customer on-site:
Customers are familiar with the credit card process and they remain on your website to complete it. They don’t lose focus by going off to online banking or some other payment option, which could give them time to change their minds about the purchase.

Security:
Using a payment gateway can help to lessen the frequency and severity of credit card fraud.

Auto-authorization:
The first step in payment processing is to confirm that the customer has sufficient funds.

Capture:
A hold is placed on the customer’s money, so you as the merchant can provide the goods with a sense of security that you will receive the funds.

Bank deposits:
Customer funds are deposited directly into your bank account.

Auto generated reports:
You can access details of all transactions.

Compliance:
The payment gateway performs a series of secure, standards-compliant tasks to auto-process the transaction… tasks for which in many countries you’d otherwise need to certify your business financial compliance.

Setting up a credit card Payment Gateway:

You need to set up at least one credit card payment method.

You may need to investigate what payment gateway options are available in your country, and which ones accept payments in your local currency.

Sample common payment gateway options:

Ask us if you need help with this or want any suggestions!

Watch these videos:

   41b – WooCommerce Payment Gateway setup options  
Appearance of Checkout | Your active Gateways display on the page (appearance varies) | WooCommerce Settings – General Tab | Comparison of the Payment methods that we use (Payment Express, Stripe, Paypal Express, Direct Bank Transfer) |  WooCommerce Settings – Payments Tab  |  Change order of display of payment methods  |  Change the web page text per payment method  | Test Mode – numbers for testing payment  | If you find a good new gateway that you want to add, let us know | Direct Bank Transfer – good to include |   Another good option to include in some countries is Cash On Delivery | IMPORTANT – Use a cheap Test Product to check that the Checkout works, and also be sure to listen/watch for customer feedback on the Checkout |    
See also
 Video 42 for checkout options in Paypal vs Paypal Express |
How to set up bank deposit (BACS) as a payment option – customers will see a Description of what to do, then they will receive Instructions when they process the Order |

   103 Finding Payment Gateways to suit your website
Payment gateways may vary across countries, so in order to enable customer payments on your website, you need to find a payment gateway to suit Woocommerce (our commercial software) in your country | Demo checkout procedure for internationalbarcodes.com (in USD) | Demo checkout procedure and gateway options for barcodes.co.nz (in NZD) – Visa, Mastercard, Amex (via Stripe), Paypal Express, POLI, Internet banking| Demo of POLI (Internet Banking software) as used in NZ |
How to set up: Dashboard > WooCommerce > Settings > Payments… here you will see available gateways that you can re-order, disable or manage  | These options are controlled by plugins that you need to install and/or enable | Stripe example | Plugins page |
How to establish which gateways work for your country so that the plugins communicate properly with the ecommerce and the automated barcode-issue systems | Our list of payment gateways, with country notes and features | Search your country for companies using WooCommerce Checkout and view the page source code to see what gateway they use |  Important to check details, credentials and global usage of possible plugins |