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Shopping Cart - Payment Processors
Tuesday, 08 January 2013 09:35

This page tells you all about Authorize.net: how to sign up for an Authorize.net account; how to configure the Authorize.net payment processor; and at the bottom of the page, we supply some additional links to the Authorize.net help pages.

Step 1. Sign up for an Authorize.net account
Step 2. Activate your Authorize.net Account
Step 3. Generate Your API Login ID and Transaction Key
Step 4. Configure the Authorize.net payment processor

Step 5. Processing Orders

Other: Links to Authorize.net help pages

Other: International Sales
Other: Authorize.net Video Help

 


1. Sign up for an Authorize.net account

Do you need a Merchant Account or Gateway? Authorize.net Preferred Reseller

 

 2. Activate your Authorize.Net account

You will need to activate your new Authorize.net account. Please follow the instructions that come with your welcome email from Authorize.net. (for more assistance, please see the Authorize.Net Getting Started Guide and Support Videos.)


 3. Generate Your API Login ID and Transaction Key

To connect your Website to the Authorize.net payment gateway, you must first generate your API Login ID and Transaction Key from your Authorize.net account, and then enter both codes in your website Payment Processor.

For further assistance in generating your API Login ID and Transaction Key, please refer to the Authorize.Net Getting Started Guide (p4) and Supporting Video (look for this video: "API Login ID and Transaction Key").


4. Configure the Authorize.net Payment Processor

After you have generated your API Login ID and Transaction Key, you will need to setup the Payment Processor on your STN website. To do this, Login to your website Administration (back-end), and go to the Shopping Cart >> Store >> List Payment Methods.

payment_processor001.gif

Here you will see the list of Payment Processors (also called Payment Method Types):

payment_processor002.gif

Look for the Payment Method with the Code "AUT", then click on the red name "Credit Card" name to open it. This will display the configuration options for the Authorize.net Payment Processor. There are 2 tabs that you will need to setup, the "General"and "Configuration".

thumb_payment_processor003.gif Authorize.net configuration page


General Tab

On the "General" tab you should only need to update these three settings:

1. Activate the payment processor

2. Change the "Payment Method Name". This text is what is displayed to the consumer during the checkout process. The most common name used is simply "Credit Card".

3. Select the Credit Card Types that you will accept with your Authorize.net account. (note: Your Authorize.net account MUST be enabled for each of the cards you select here! Refer to the Authorize.net support site for help in adding or enabling new card types.)

  payment_processor004b.gif

 

Advanced Options:

(Advanced used may have different settings. Check with your project manager if you have questions) 

The Shopper Group option allows you to make this payment processor available only to a specific shopping group. By default it is assigned to the default shopper group. This would be changed only if you wanted to offer a specific shopper group this payment option.

The Discount field is where you would set a discount that would be applied during checkout at the time of payment.

The List Order is for the arrangement of multiple payment options. For example; if you are offering 2 different payment options and you wanted this payment option to be 1st in the list, you would enter "1" in this field and put a number greater than 1 in the other active payment processor(s).


Configuration Tab

On the "Configuration" tab, you will need check several settings, as well as enter your API Login ID and Transaction Key from your Authorize.net account. Below is an explanation of each setting:

 

Test Mode. Select 'Yes' while testing. When you are ready to run transactions for real, you will want to set test mode to 'No'. 

 payment_processor009.gif
Authorize.net Login ID. Enter Authorize.net Login ID from your Authorize.net account (or as provided by your Authorize.net representative). 
 payment_processor010.gif

Authorize.net Transaction Key. Note: Please follow these instructions carefully. Many people are confused by the extra security steps required to set this Key.

After you have entered your Login ID, click on the "Show/Change the Transaction Key" button: 

 payment_processor011.gif
This will take you to a login prompt screen, where you will need to enter your User Password for your website Administrator login. This is the password you used to login to the back-end of your website, NOT the new Transaction Key.
 payment_processor012.gif
After entering your site password and clicking the "Submit Query" button, you will then need to enter your Authorize.net Transaction Key and your site administrator password once again. Then click on the button "Submit Query" 
 payment_processor013.gif

 

Request Credit Card CVV Code. You will next need to decide if you are going to require that the shopper enter their credit card security code, or "Card Verification Value" code. At STN we recommend this, and most gateway and merchant accounts require the CVV code.

 payment_processor014.gif
Recurring Billings. In most cases, you will set "Recurring Billings" to 'No'. You would only set this to 'Yes' for charging the customer Recurring Billings such as monthly membership payments. 
 payment_processor015.gif
Authentication Type. Here you have the option to tell Authoriz.net to either 'authorize and charge' (AUTH_CAPTURE) the credit card. or to 'only authorize' (AUTH_ONLY) the credit card. With AUTH_ONLY, you can still charge the credit cards from within your Authorize.net Administration Account.
 payment_processor016.gif
Order Status Options. You have the option to assign a specific status to successful and failed transactions. 
 payment_processor018.gif

Show Response Codes for Failed Transactions. If set to 'YES', the customer will see the Authorize.net Transaction Response Codes for failed transactions. This setting can be helpful in testing the gateway if you experience problems in sending card transactions to Authorize.net. Here is the response code reason lookup page>>>>>

Also from experience we see most issues caused by AVS (Address Verification Service) or the Fraud Detection filters. Please take care in setting those up. 

 payment_processor020.gif
Email Confirmation from Gateway. These last 2 items have to do with emails being sent by Authorize.net (These settings do not affect the emails that are sent by your website's shopping cart system). If you want an email to be sent by Authorize.net to you, the retailer, then set the first option to 'Yes'. If you want Authorize.net to send an email to the shopper, then set the second one to 'Yes'.
 payment_processor021.gif
Save and Check Activation States. Of course, Click the 'Save' button after making your changes - and be sure that this payment processor is set to "Active" and any other payment processors that you do not want to use are set to "Not Active" (Unpublished).
payment_processor022.gif

5. Processing Orders

 

IMPORTANT: Depending upon your settings, changing the order status for an order can trigger an action within your Authorize.net account. There are too many combinations of configurations to list out everything, but here are some typical scenarios:

 

  • If you have your payment module configured for AUTH _ONLY, changing the order status to Confirmed will remotely trigger your Authorize.net account to go ahead and capture the funds. (You can alternatively login to your Authorize.net account, & go to Unsettled Transactions in order to capture the funds.)


Considerations: Authorize.net setting considerations

If you have AVS enabled on Authorize.net then GiftCards will fail since they have no address associated with them.

 

Other: Links to Authorize.net help pages

Merchant Help Pages

Video Demos

Knowledge Base

Merchant Login

"How It Works" Diagram

Response Reason Codes and Response Reason Text

Transaction Response

 

Customer Support Phone Number for existing Authorize.net Customers: 877-447-3938

International Sales/Transactions

Merchants can submit transactions to the payment gateway on behalf of non-U.S. customers. To do so, the merchant's bank account must be with a financial institution located in the United States, and the merchant must be configured to accept the customer's card type: Visa, MasterCard, American Express, Discover, JCB, Diner's Club, or EnRoute. The payment gateway will submit the amount of the transaction to the customer's card issuer, who will then handle all currency conversion to U.S. dollars. Since default Address Verification Service (AVS) settings may cause foreign transactions to be declined, merchants who plan to regularly accept international transactions should make sure that their AVS settings are configured to meet their business needs.

 

 

Last Updated on Monday, 10 March 2014 09:00