Payment Methods Explained

Payment methods define how you receive payment from your customers, either through the shopping cart or when running a manual sale via the Dashboard.

You can configure payment methods by navigating to Settings  > Commerce Payment Methods.

When a user completes your checkout process, they will be able to select from the payment methods that you have configured for public use. 

When payment methods are listed on the website, they each have a "Title / Label", which you can change. As an example, you may opt to change a title from "Credit Card (Seller Phones Customer)" to "Credit Card via Phone - We'll call you after purchase". 

Control Who Can Use a Payment Method

You may specify whether a payment method is available for use only by administrators, or by customers (or both).

Administrators: When this option is selected, the payment method will appear to administrators as they process a sale manually via Commerce > Sales > New Sale. 

Public Use: When this option is selected, the payment method will appear as an option to public users as they complete the checkout process. 

Payment Methods Available

PayPal

Due to the setup and transaction costs involved Merchant Facilities & Payment Gateways, if your business is a startup or you're new online sales you may want to consider starting with PayPal. As a general rule of thumb, if your online store has revenue of more than $3,000 per month, it is recommended that you investigate a Payment Gateway and Merchant Facility. You can run both PayPal and a Payment Gateway solution concurrently.

Click here for more information about how to accept payment via PayPal

- Customers will see the PayPal logo, with a button labelled "Pay with PayPal".
- When clicked, customers will be re-directed to PayPal, where they can login to their PayPal account or proceed via the PayPal guest checkout.
- When the sale processes successfully, the user will be re-directed back to your website where they will see a success message.
- A paid invoice will be raised, and it will be noted that the customer paid via PayPal.

Credit Card

To accept credit card payments directly on your website you will need an "Online Merchant Facility" with a bank, and a "Third Party Payment Gateway". There are a number of products available which combine both a merchant facility and payment gateway (eg. Stripe and PayPal). 

Click here for more information about how to accept payment via credit card online. 

- Customers will see the logo associated with your payment gateway, and will be prompted to enter their credit card details.
- Your payment gateway will attempt to run payment on the provided details, and if successful the user will be re-directed to a success page.
- A paid invoiced will be raised, and it will be noted that the customer paid via credit card.

Credit Card (Seller Phones Customer)

- Customers will see the title you setup for use with this payment method eg. "Credit Card (Seller Phones Customer)". 
- An invoice will be raised, with an unpaid balance owing. 
- You will need to call the customer in order to complete the transaction manually via your payment processing facility.
- To confirm that you have received payment for the invoice: View the invoice, and click "Receive Payment".

Credit Card (Customer Phones Seller)

- Customers will see the title you setup for use with this payment method eg. "Credit Card (Customer Phones Seller)". 
- Below the title, customers will be presented with a pre-ticked checkbox titled "After confirming the order, I will call with my credit card details".
- When the order has processed, the customer will be shown the Phone Number and Business Hours you specified, and the amount.
- An invoice will be raised, with an unpaid balance owing. 
- The customer will then call you in order to complete the transaction manually via your payment processing facility.
- To confirm that you have received payment for the invoice: View the invoice, and click "Receive Payment".

Already Paid

- Customers will see instructions (which you can modify): "Pressing the button below will send us your order. It will be processed when we confirm payment."
- An invoice will be raised, with an unpaid balance owing.
- To confirm that you have received payment for the invoice: view the invoice, click "Receive Payment", and then select a payment method indicating how the customer paid (it is common practice to set up the "Cash" or "Eftpos" payment methods for use with "Already Paid").

EFTPOS / Debit at Point of Sale

- Customers will see instructions (which you can modify): "Pressing the button below will send us your order. You will need to pay via EFTPOS on delivery / pick up."
- An invoice will be raised, with an unpaid balance owing. 
- To confirm that you have received payment for the invoice: View the invoice, and click "Receive Payment".
- When you receive payment, you are able to confirm the Transaction Date, EFTPOS Amount Tendered, and optionally specify an EFTPOS Transaction Id. 

Cash

- Customers will see instructions (which you can modify): "Pressing the button below will send us your order. You will need to pay via cash on delivery / pick up."
- An invoice will be raised, with an unpaid balance owing.
- To confirm that you have received payment for the invoice: View the invoice, click "Receive Payment", and  select a payment method indicating how the customer paid.
- You'll be able to specify the date you received the cash, and the cash amount tendered. 

Cheque

- Customers will see the instructions "Pressing the button below will send us your order, and show you information on how to pay via cheque."
- When the order has processed, the customer will be shown the address you specify, a Reference Number to be written on the cheque (eg. Inv#1011), and the amount. 
- An invoice will be raised, with an unpaid balance owing. 
- To confirm that you have received payment for the invoice: View the invoice, and click "Receive Payment".
- You will be able to specify the date the cheque was banked,  the Branch Deposit Description, and amount. 

Direct Debit

Please note - Synergy 8 does not currently offer a direct debit payment provider, however we hope to add this in the future. This payment method will retrieve the details necessary for you to manually process the transaction via your direct debit payment provider. 

- When selected, customers will be presented with fields to enter their Bank Name, BSB, Account Number and Account Name. 
- After the order is processed an e-mail with the bank details will be sent to the "Direct Debit Contact" administrator address. 
- An invoice will be raised, with an unpaid balance owing. 
- To confirm that you have received payment for the invoice: View the invoice, and click "Receive Payment".

Charge to Company Account

- Customers will see instructions (which you can modify): "Enter your company name in the box on the right to charge this order to your company account."
- Customers will be presented with a text field, allowing them to specify which company account the sale needs to be charged to.
- An invoice will be raised, with an unpaid balance owing. 
- You will need to keep track of these sales and invoice the company separately. 

iDEAL

iDEAL is a popular online payment brand in The Netherlands, which enables Dutch consumers to pay online through their own bank. Payment gateways are used to process online ideal transactions. Our recommended payment gateway for use with iDEAL is Stripe.