Payment methods and payment method sets

Specify the allowable payment methods customers can use and the bank account into which the payment should be deposited.

Payment methods are specific (such as VISA or MasterCard) for payment types (for example, credit card or debit card). At least one payment method must be created for each separate bank account into which payments can be deposited, or from which payments can be paid.

Note: You must create a payment method that is tied to a gateway account before adding the payment method to the payment method set.

After you create your payment methods, you can group them into payment method sets.

Do the following to create your payment methods:

1. From the Staff site, go to Settings > Finance > Cash accounts.
2. Select Add new cash account.
3. In the Code field, enter the abbreviation you want to assign to the cash account you are creating.

You can use any code you prefer for a credit card, debit card or direct debit:

For a credit card number to be validated by iMIS, the value, in addition to being a cash account of type Credit Card, must contain one of the credit card types iMIS supports:

• AMEX
• VISA
• MC
• DISC
• DINERS
• CB

For a direct debit, the first two letters control the country for the direct debit, for example:

• CA = Canada
• US = United States
• AU = Australia

Make sure the correct payment gateway is linked to the appropriate cash account: iATS or Vantiv/WorldPay can be used for Canadian direct debits, SecurePay is used for Australian direct debits, and Payflow or Vantiv/WorldPay can be used for US direct debits. The default Code prefix is US. The prefix determines the region-specific information needed for your payment methods. It is advised that you use the default Code as other countries might be supported in the future.

4. In the Name field, enter the full name you want to assign to the account.
5. Select a Type:
   • Cash - Specifies that the account is a checking or other deposit account (other than a credit card account).
   • Credit card - Specifies that the account is a credit card account.
     • US debit cards and credit cards are handled the same in iMIS.
   • Other - Specifies that the account is a non-cash asset account.
   • Debit card - Specifies that the account is a European debit card account.
   • Service – Specifies that the account is a third-party payment service, such as PayPal Express.
   • Direct debit - Specifies that the account is a direct debit account (payment is taken directly from the bank account) that is used with automatic and recurring payments.
6. (optional) From the Account drop-down, select the cash account.
7. (optional) Select the Entity. For more information, refer to Financial entities.
8. (Credit card, Debit card, Direct debit, and Service only) Select the associated Gateway account.
9. (optional) Depending on the Type and Gateway account chosen, the following checkboxes appear:
   • CSC Required for web transactions - Makes the CSC required for the specified cash account when on the web.
   • CSC Required for desktop transactions - Makes the CSC required for the specified cash account in the AAC/Desktop.

   Note: See Requiring a CSC for credit card or debit card transactions for more information.

   • Display issue number - Displays a field for entering a European debit card's issue number in payment entry windows. When cleared, the Issue Number field is not displayed in payment entry windows.
   • Display issue date - Displays a field for entering a European debit card's issue date in payment entry windows. When cleared, the Issue Date field is not displayed in payment entry windows.
10. Click Save.

After you define all payment methods, you can add them into a payment method set.

Note: You must create a payment method that is tied to a gateway account before you can add the payment method to a payment method set.

Note: The out-of-the-box BillMe payment method (Pay Later) allows staff to submit a transaction without immediate payment. BillMe can be included in a payment method set by adding the BillMe payment method.

Do the following to add or edit a payment method in a payment method set:

1. From the Staff site, go to Settings > Finance > Payment method sets to define collections of allowable payment methods for a particular commerce transaction process. For example, you might want to present only a few choices of payment methods to online users, but allow the full array of options for a Staff user.
2. Select the payment method set to which you want to add a new payment method.
3. Click Add new to add a new payment method. Enter the following information for the payment method:
   1. Enter a Display Name for the payment method.
   2. Select a Payment Method from the drop-down.
   3. (optional) You can specify the payment method as Default. If you specify a payment method as Default, then any existing payment method previously marked as Default is demoted.
   4. Click Save.
4. Save the changes to the payment method set.

Do the following to add a new payment method set, or edit an existing payment method set:

1. From the Staff site, go to Settings > Finance > Payment method sets.
2. Select the payment method set to edit, or Add a new payment method set.

Note: The Add option will not be offered if the website you have created has not been copied and published. See Creating a site for more information.

3. Enter the following information for the payment method set:
   1. Enter a Method set name and a Description for this payment method set.
   2. Select the Specific context, which is the same as the name of the copied and published site.
4. Click Save.