Payment Gateways

Payment Gateway settings configure connections to payment processors for accepting customer payments online and through various channels.

Overview

Payment Gateways enable you to:

• Accept credit card payments
• Process ACH/bank transfers
• Enable digital wallets
• Configure payment terminals
• Manage payment methods
• Handle refunds and voids

Accessing Payment Gateways

Navigate to Settings → Integrations → Payment Gateways from the main menu.

Gateway Overview

Connected Gateways

Payment Gateways

Active Gateways:
┌────────────────────────────────────────────────────────────────┐
│ Gateway        │ Type          │ Status  │ Volume (MTD)        │
├────────────────────────────────────────────────────────────────┤
│ Stripe         │ Cards/ACH     │ ✓ Active│ $234,567 (567 txns) │
│ PayPal         │ PayPal/Cards  │ ✓ Active│ $45,678 (123 txns)  │
│ Square         │ Terminal/Cards│ ✓ Active│ $23,456 (89 txns)   │
│ Authorize.Net  │ Cards         │ ○ Test  │ $0 (testing)        │
└────────────────────────────────────────────────────────────────┘

Available Gateways:
├─ Braintree (not connected)
├─ Adyen (not connected)
├─ WorldPay (not connected)
└─ [+ Add Gateway]

Total Volume MTD: $303,701 (779 transactions)
Processing Fees MTD: $8,234.56 (2.7% average)

Gateway Configuration

Stripe Setup

Configure: Stripe

Connection Status: ✓ Connected (Live Mode)

API Credentials:
├─ Account ID: acct_1234567890
├─ Publishable Key: pk_live_••••••••••••
├─ Secret Key: sk_live_••••••••••••
└─ Webhook Secret: whsec_••••••••••••

Mode: ● Live ○ Test

Accepted Payment Methods:
├─ [x] Credit Cards (Visa, MC, Amex, Discover)
├─ [x] Debit Cards
├─ [x] ACH Bank Transfer
├─ [x] Apple Pay
├─ [x] Google Pay
├─ [ ] Klarna (Buy Now Pay Later)
└─ [ ] Affirm (Buy Now Pay Later)

Processing Settings:
├─ Auto-capture: [x] Capture immediately
├─ Statement Descriptor: [COMPANY NAME]
├─ Currency: [USD ▼]
└─ 3D Secure: [x] Required for amounts > $100

Webhook Events:
├─ [x] payment_intent.succeeded
├─ [x] payment_intent.payment_failed
├─ [x] charge.refunded
├─ [x] charge.dispute.created
└─ Webhook URL: https://app.company.com/webhooks/stripe

[Test Connection] [Save Settings]

PayPal Setup

Configure: PayPal

Connection Status: ✓ Connected (Live Mode)

API Credentials:
├─ Client ID: A1B2C3D4E5F6G7H8I9J0
├─ Secret: ••••••••••••••••••••
└─ Merchant ID: MERCHANT123456

Mode: ● Live ○ Sandbox

Payment Options:
├─ [x] PayPal Checkout
├─ [x] PayPal Credit
├─ [x] Pay Later Options
├─ [x] Venmo
└─ [x] Credit/Debit Cards via PayPal

Checkout Experience:
├─ Button Style: [Gold ▼]
├─ Button Shape: [Pill ▼]
├─ Landing Page: [Login ▼]
└─ User Action: [Pay Now ▼]

IPN Settings:
├─ IPN URL: https://app.company.com/webhooks/paypal
└─ [x] Enable IPN notifications

[Test Connection] [Save Settings]

Square Setup

Configure: Square

Connection Status: ✓ Connected

Square Account:
├─ Business Name: Company Name
├─ Location: Main Store
└─ Application ID: sq0idp-••••••••••••

Access Token: sq0atp-••••••••••••

Enabled Features:
├─ [x] Online Payments
├─ [x] Terminal Payments
├─ [x] Invoice Payments
└─ [x] Recurring Payments

Terminal Configuration:
├─ Connected Terminals: 3
│  ├─ Terminal 1 (POS Station 1) - Online
│  ├─ Terminal 2 (POS Station 2) - Online
│  └─ Terminal 3 (Mobile) - Offline
├─ Auto-print receipts: [x]
└─ Tip options: [x] Enable tips

Fee Display:
├─ [x] Show processing fees in reports
└─ Card Rate: 2.6% + $0.10

[Manage Terminals] [Test Connection] [Save Settings]

Payment Methods

Method Configuration

Payment Methods

Active Methods:
┌────────────────────────────────────────────────────────────────┐
│ Method          │ Gateway    │ Channels       │ Status         │
├────────────────────────────────────────────────────────────────┤
│ Credit Card     │ Stripe     │ Online, Portal │ ✓ Active       │
│ ACH Transfer    │ Stripe     │ Online, Portal │ ✓ Active       │
│ PayPal          │ PayPal     │ Online         │ ✓ Active       │
│ Apple Pay       │ Stripe     │ Online, Mobile │ ✓ Active       │
│ Google Pay      │ Stripe     │ Online, Mobile │ ✓ Active       │
│ Cash            │ Manual     │ In-Person      │ ✓ Active       │
│ Check           │ Manual     │ Mail, In-Person│ ✓ Active       │
│ Wire Transfer   │ Manual     │ Bank           │ ✓ Active       │
│ Terminal        │ Square     │ In-Person      │ ✓ Active       │
└────────────────────────────────────────────────────────────────┘

[+ Add Payment Method]

Method Settings

Configure: Credit Card Payments

General Settings:
├─ Display Name: [Credit/Debit Card]
├─ Icon: [credit-card.svg]
├─ Gateway: [Stripe ▼]
└─ Status: [Active ▼]

Availability:
├─ Channels:
│  ├─ [x] Online Checkout
│  ├─ [x] Customer Portal
│  ├─ [x] Invoice Payment
│  └─ [x] Point of Sale
├─ Minimum Amount: $[0.50]
├─ Maximum Amount: $[100,000]
└─ Currencies: [USD, CAD, EUR]

Card Types:
├─ [x] Visa
├─ [x] Mastercard
├─ [x] American Express
├─ [x] Discover
├─ [ ] JCB
└─ [ ] UnionPay

Security:
├─ [x] Require CVV
├─ [x] Require AVS (Address Verification)
├─ [x] 3D Secure for high-risk transactions
└─ [x] Fraud detection enabled

[Save Method Settings]

Transaction Processing

Processing Rules

Transaction Processing Rules

Authorization Settings:
├─ Authorization Validity: [7] days
├─ Auto-void expired auths: [x]
└─ Capture Timing: [At shipment ▼]
   ├─ Immediate
   ├─ At shipment
   ├─ Manual only
   └─ After X days

Retry Settings:
├─ Retry Failed Payments: [x]
├─ Maximum Retries: [3]
├─ Retry Interval: [1] day
└─ Stop Retry After: [7] days

Fraud Prevention:
├─ [x] Enable Stripe Radar
├─ [x] Block high-risk transactions
├─ Review Threshold: [75] (0-100)
├─ [x] Velocity checking
│  └─ Max attempts per card: [5] per hour
└─ Country Restrictions:
   ├─ Block: [Select countries]
   └─ Allow only: [ ] Restrict to specific countries

[Save Processing Rules]

Refund Configuration

Refund Settings

Refund Processing:
├─ Allow Refunds: [x]
├─ Refund Method: [Original payment method ▼]
├─ Partial Refunds: [x] Allow
└─ Refund Window: [120] days from payment

Refund Authorization:
├─ Auto-approve < $[100]
├─ Manager approval $100-$1,000
└─ Director approval > $1,000

Processing Fees:
├─ [x] Stripe refunds fees for refunded transactions
├─ [x] Track net processing cost
└─ Fee Recovery: [Manual ▼]

Notifications:
├─ [x] Email customer on refund
├─ [x] Notify accounting
└─ [x] Update order status

[Save Refund Settings]

Stored Payment Methods

Customer Cards on File

Stored Payment Methods

Settings:
├─ [x] Allow customers to save payment methods
├─ [x] Require re-authentication for stored methods
├─ Token Storage: [Gateway (Stripe) ▼]
└─ PCI Compliance: Delegated to gateway

Customer Options:
├─ [x] Save for future purchases
├─ [x] Set default payment method
├─ [x] View saved methods in portal
└─ [x] Delete saved methods

For Recurring Payments:
├─ [x] Auto-save cards for subscriptions
├─ [x] Update expiring cards notification
└─ Card Update Window: [30] days before expiry

Security:
├─ Display format: **** **** **** 4242
├─ [x] Require CVV for each transaction
└─ [x] 3D Secure for first use

[Save Settings]

Fee Management

Processing Fees

Processing Fee Tracking

Fee Structure by Gateway:
┌────────────────────────────────────────────────────────────────┐
│ Gateway    │ Card Rate      │ ACH Rate  │ Monthly Fee         │
├────────────────────────────────────────────────────────────────┤
│ Stripe     │ 2.9% + $0.30   │ 0.8% cap $5│ $0                 │
│ PayPal     │ 2.9% + $0.30   │ N/A       │ $0                  │
│ Square     │ 2.6% + $0.10   │ N/A       │ $0                  │
└────────────────────────────────────────────────────────────────┘

MTD Fee Summary:
├─ Card Processing: $7,234.56
├─ ACH Processing: $456.78
├─ Chargebacks: $123.45
├─ Refund Adjustments: -$234.56
└─ Total Fees: $7,580.23 (2.5% of volume)

GL Account: 6550 - Credit Card Processing Fees

[View Fee Report] [Export]

Testing & Validation

Test Mode

Test Mode Configuration

Test Credentials:
├─ Stripe Test Key: pk_test_••••••••••••
├─ PayPal Sandbox: [Configure]
└─ Square Sandbox: [Configure]

Test Cards (Stripe):
├─ Success: 4242 4242 4242 4242
├─ Decline: 4000 0000 0000 0002
├─ 3D Secure: 4000 0027 6000 3184
├─ Insufficient Funds: 4000 0000 0000 9995
└─ [View All Test Cards]

Test Transactions:
[Amount: $10.00] [Run Test Payment]

Recent Test Results:
├─ Jan 22 10:15 - Success - $10.00
├─ Jan 22 10:12 - Declined (test card)
└─ Jan 22 10:10 - 3D Secure verified

[Switch to Live Mode]

Best Practices

Gateway Selection

• Choose established providers
• Compare processing fees
• Consider payment methods needed
• Evaluate integration ease

Security

• Never store raw card data
• Use tokenization
• Enable fraud protection
• Monitor suspicious activity

Operations

• Test thoroughly before go-live
• Monitor transaction success rates
• Review fees regularly
• Keep gateway credentials secure

Troubleshooting

Common Issues

Payment declined

• Check card details
• Verify available funds
• Review fraud filters
• Contact gateway support

Gateway connection failed

• Verify API credentials
• Check network connectivity
• Review error logs
• Test in sandbox mode

Refund not processing

• Check refund window
• Verify original transaction
• Review refund limits
• Contact gateway

Related Documentation

Learn about Integrations for connecting other third-party services.