How do I set up my payment processor?

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Here is how to setup your payment gateway complete with a video. Or if you use paypal you may view Guide for PayPal options



In your Bigcommerce store, you will need to configure at least one payment method so that your shoppers can check out. You are able to have as many checkout methods as you like, but you should know of the differences among certain types.

Hosted: customers will leave your store to pay for their items
Examples: First Data Global Gateway Connect, Google Checkout, PayPal Express Checkout

Non-Hosted: customers will stay on your store's checkout to pay
Examples: Stripe, Bigcommerce Payments, Securenet, Authorize.Net, Heartland

Online: customers will enter their credit card information in secure payment forms on the Internet
Examples: Google Checkout, PayLeap, USA ePay

Offline: customers will need to call you to give you their information or send you a wire transfer, cheque, etc.
Examples: Bank Deposit, Cash on Delivery, Cheque

Step-by-Step of Enabling Payment Gateways

1.) Login to your store's control panel.
2.) Click the Settings tab and choose the Payments menu option.


3.) Here you will find setup for Stripe(recommended for store's with revenue less than 100k/year) and PayPal Express Checkout. In addition, you will find More payment methods below.


4.) To enable a checkout method, simply turn the switch to ON, or click its checkbox in the list.

5.) Click the Save button.

6.) You will now see a list of tabs along the top for each checkout method you have selected.


7.) Select the payment method you wish to set up from the tabs, you will now see a list of instructions which will help you create an account and integrate the checkout provider into your store.


8.) Fill out the appropriate information for your payment gateway(s). (Because of the multitude of payment gateways that we offer, the instructions for setting up each one display on the tab for that payment gateway one it has been enabled.)

9.) After you've configured all of your checkout modules, click Save.

* Certain checkout providers allow you to pay for orders from your store in Test Mode. This is a great way to make sure the checkout provider is integrated into your store before allowing customers to buy from you. To test a checkout provider, just follow steps 1-5 and from the checkout provider's settings tab you will see a Test Mode option. Change this to Yes to enable test mode for that checkout provider. Place a few test orders from your store, and when the checkout provider works as expected, change Test Mode back to No or Live to allow customers to buy from you and have their credit cards debited during the checkout process. Please note that any orders you place in test mode for different checkout providers wont actually debit your credit card, although you will see the same success/fail messages as you would if test mode wasn't enabled.
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Mike F., Alum

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Posted 5 years ago

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ClaudiaQ

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Can I keep my current processers? Intuit thru Homestead and Paypal?
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Mike F., Alum

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Yes, here are the configuration links:
QBMS:https://community.homestead.com/homes...

PayPal: https://community.homestead.com/homes...

If this post helps, please give a "Star" and complete this survey to rate me.

Thanks!

Mike
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Jan8263

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I followed instructions, but when I get to the step 3 to make connection ticket I keep coming up with an error for the login. I have a current QBMS account and I know the login is correct. Is there some other way to make the connection ticket?
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Angela6318

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I'm having the same problem attempting to create a connection tickets. I tried to do it directly through my Intuit account and they said I needed to have a point of sale or cash register account.
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Drew N, Community Manager

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Follow this topic for Quickbooks Merchant Services.

Drew
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Stephanie9754

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We have many regular customers on our website that have an account with us. When they purchase on the website there is a payment option that allows them to enter and purchase order number and they can check out. We bill them after sending their order.
How can I set up that option on the Bigcommerce site?
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Drew N, Community Manager

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I am looking into this.

Drew
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Leslie0014

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That's what I need to do, too.
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mcpondt016905

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This reply was created from a merged topic originally titled
how do I link my merchant account to my storefront?.


In trying to setup my storefront website, it is asking me to apply for a merchant account when I already have one. How do I link my merchant account to my storefront?
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Karl0816

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This reply was created from a merged topic originally titled
where to you enter the API Login ID and transaction key in the new Bigcommerce software?.


I have a new gateway provider, authorize.net, and have no idea where to add the API and transaction key in the new store with bigcommerce to enable my shopping cart. Please help!
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Leslie0014

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I use Intuit Merchant Services in my Quickbooks software. At BigCommerce, I am supposed to select a payment method. I don't see Intuit Merchant Services in the list; however, I do see Quickbooks Merchant Services. Maybe the merchant services for Intuit and Quickbooks are one and the same?
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Angela6318

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I was told they're not the same under a different post. If you're using "Intuit Merchant Payment" and not 'QuickBooks Payment' then it will not work. I gave in and set up my store with Stripe for now until I can figure all of this out (now having issues editing my pages so they'll contain the correct contact info).
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Mike F., Alum

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Angela6318, That is correct. They are not the same services. Intuit offers several different types of merchant accounts and they do not work interchangeably. It has to be the QBMS type.
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Nic9866

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I was able to link my Intuit Merchant Services account to my Bigcommerce Store using the QuickBooks Merchant Services as the gateway. It is a huge pain, but you have to sign up as a developer, and then "create an app" and a whole bunch of other stuff according to the directions that are outdated of course, and then and only then can you link it to your store. I considered trying another provider though because Bigcommerce does not have an authorize feature in their "QuickBooks Merchant Services" API.
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Leslie0014

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The saga on setting up Intuit/Quickbooks Merchant Services continues...The instructions at BigCommerce are outdated. For instance, there is no longer an Intuit Developer Network (IDN), so I cannot use the provided steps to register for a required developer account with Intuit. The instructions were super complicated - meant for a developer - I'm in no way, shape, or form, a developer.
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Mike F., Alum

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Are you using the instruction on the Bigcommerce site? or the instructions here on the Homestead Community. We did notice the Bigcommerce instructions were outdated but the ones on our site reflect the changes. https://community.homestead.com/homes...
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Nic9866

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Leslie, I did get my QBMS to work through my store. I agree that the instructions were super complicated, and borderline ridiculous. I found that though the instructions were very outdated and neither the bigcommerce instructions or the homestead instructions were complete/up to date, the process was still somewhat similar to what was listed there.
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Robert7379

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I do not use a payment processor or gateway in association with my website. Instead customers enter their credit card payment information during the checkout process and that information is included on the customer order. We then manually process the payment using the system at our physical store. How do we set that up in BigCommerce?
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Mike F., Alum

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Sorry but there is not a way to do that in the Bigcommerce system. That method would carry a lot of personal liability for yourself and make the system non-PCI compliant. Credit card information is no longer viewable for this reason.

This page explains some of the PCI compliance details. https://support.bigcommerce.com/quest...

Mike
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Robert7379

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When I was told that homestead was transitioning my store to big commerce I was assured that I would not be loosing capabilities. Seems that you are not allowing me to keep my current capabilities. When the store was hosted by Intuit this capability was supported. When the store was hosted by Homestead/Prostores it was supported. Why can't you support this method of payment?

I appreciate your concern about liability and my PCI compliance however my liability and my PCI compliance should not be your decision. It was not a concern to Intuit and it was not a concern to Homestead/Prostores.

I would like you to dig further and find a way. To whom can this issue be escalated?
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Robert7379

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By the way. In the manual credit card payment collection method I am currently using the CCV number is not collected and thus made this method exempt from PCI compliance. Please look into this further.
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Mike F., Alum

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Hi Robert7379, I understand your frustration, There are a lot of technicalities for website hosting companies with regard to being PCI compliant and they go far beyond just collecting the CCV number. This is not a decision that is made by Homestead. This is they way that Bigcommerce designed the software so that they can maintain their PCI compliance. Unfortunately we do not have a way to change this.
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Robert7379

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I obtained a QuickBooks Merchant Service account and have completed the steps to configure QBMS in BigCommerce. As far as I can tell everything appears to be configured correctly. However when trying to purchase and pay for items the following error message appears:

"Something went wrong when trying to process your payment. Please review the error message and try again:
Unfortunately there was a problem processing your payment. Please check the credit card number and try again. "

I have not been able to resolve this issue. Now what?
Robert Perkins
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Mike F., Alum

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It sounds like a verification problem with the credit card. Perhaps the number was entered incorrectly, address mismatch, security number incorrect etc.

You may wan to check the store log to see if it provides more details as to why it failed. You'll find the steps here: http://support.bigcommerce.com/questi...

Mike
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Robert7379

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Hi, I spoke with quickbooks merchant service and they helped me. I had the login information incorrect on the bigcommerce side. If you had checked you would have noticed it and been able to help me.
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Mike F., Alum

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Access to that information requires your Admin password. For security reasons we do not have access to it. This is one of a few features that only you, the Admin, have access to. Otherwise we would gladly just log in and look at it. We also do not have access to your Intuit login information.

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Bryan1249

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I'm seeing a lot about "Quick-books Merchant Services" but nothing about "Intuit Merchant Services" which is who we currently us and where our mobile credit card processors are from. I would rather stay on one merchant account platform. are there step by step directions For Intuit Merchant Services that are different than the Quick-book directions above? Or do you have another recommendation?
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Angela6318

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If you figure it out please post for all. I also use Intuit Merchant Payment with my ProStores sight because I can manually enter card payments from fairs and festivals (majority of my business). This is not the QuickBooks compatible with Big Commerce. For now I set up Stripe until I can figure this out...
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Nic9866

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Angela, It appears that QuickBooks Merchant Services may compatible with Intuit Merchant Services interchangeably. The Instructions from BigCommerce and Homestead are ridiculously complicated for those who are not programmers. But I was able to set it up and successfully get it to work. You will have to create a developer account, create an app and then generate a connection key as described by all of the instructions. I was receiving errors when generating a connection key. I found that because intuit is using a single sign in (which I used to log into Merchant Services, Developer, etc... ) that it had a difficult time with my credentials. I toyed with it and eventually was able to create my connection key and link that with everything in BigCommerce. I have tested it and it appears to be working.

I came to homestead because Intuit had them listed as an ecommerce partner when I signed up with QuickBooks Merchant Services. This is the only reason that I chose Homestead, because I used QBMS, and they were native to Homestead/Prostores. and it was very simple to manage.

I think that Homestead should have their developers working overtime with Bigcommerce creating an API/Connector/App whatever you want to call it that will make it simple for us to integrate QBMS/IMS with our new e-commerce solution. That being said, I think those of us using QBMS/IMS should not have to move to BigCommerce until this is done.
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Mike F., Alum

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Hi nic9866, 

Sorry about how complicated the setup is for QBMS.  I agree and hope that the folks at Bigcommerce can make it easier at some point.  At this time I don't thinks it's likely that we'll be able to extend any deadlines as there are contracts and legalities with the other companies which complicate matters.  Any changes in deadlines (if they occur) will be updated on this page: https://community.homestead.com/homestead/topics/what_is_the_timeline_for_prostores_closing

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Bryan1249

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Attention All:

Since posting this question we decided to just try stripe since it was recommended. We are more than happy with Stripe. The way it handles deposits into our account, the integration to our site, and its ease of use for manual transitions is great. Its also savings us a lot of money considering the rate for transactions is much cheaper than what we had previously with Intuit.

I can make any promises for your situation, but the with was easy for us, every thing worked in less than 20 minutes. We are happy we made the switch.
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Drew N, Community Manager

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Fantastic. Thanks for sharing.
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Leslie0014

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Because I am inept at ecommerce/merchant services/accounting, I chose all Intuit products so they could nicely work together (Homestead website, Quickbooks accounting program, Intuit Merchant Services). With 1,500 items for sale, this was very important so I could concentrate on other tasks.

I would like to continue doing things the way I did before...

1. Customer placed order on my Homestead site.
2. Customer entered credit card data.
3. Using my Quickbooks accounting software, I entered the customer information and credit card information.
4. When the customer's shipment took place, I charged their credit card in Quickbooks and produced an invoice.
5. I clicked on one button to move the credit card sale and fee right into Quickbooks.

It was PERFECT.

Ever since I started with Bigcommerce, I got my Intuit/Quickbooks (whatever it's called) developer's app and entered my connection key. When my customers (federal government agencies) tried to order, they received error messages and went away.

I tried Stripe, but I don't know how this is going to work out with my Quickbooks software. They aren't friends.

I'm just plain lost. I'm making zero money, and I need to keep food on the table.

Oh, and by the way, I wanted to enter a simple pdf document on one of my store's pages, and you won't believe the hassle it involves. I have to open up WebDav (sp.) and integrate that with CyberDuck (?). It's ridiculous. I'm still messing around with that.

Tons of my part pages are botched up and the thought of reviewing 1,500 parts is putting me in an extremely bad mood.
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Leslie0014

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HELP PLEASE HELP PLEASE HELP - BIGCOMMERCE PLEASE HELP

I HAD A LONG DISCUSSION WITH INTUIT MERCHANT SOLUTIONS AND THIS IS WHAT THEY SAID:

My customers can't use the Quickbooks Merchant Service that I set up in Bigcommerce. I called my Intuit Merchant Solutions folks and they checked out everything. We went through the steps again (developer app, connection ticket, etc.). Tried a test purchase. It failed.

Error Message: "Something went wrong when trying to process your payment. Please review the error message and try again:
Unfortunately there was a problem processing your payment. Please check the credit card number and try again."

This is what the Intuit Merchant Solutions people said:

"Call Bigcommerce. Tell them we got a connection ticket. Tell them it is not allowing the payment to be processed. It is not reaching Intuit's server. Intuit doesn't see the payment. The shopping cart didn't reach Intuit so they didn't have anything to process. They couldn't charge the card."

Also, what is all this Maestro, Solo, JCB, and other cards listed as options? I don't think I accept all of these.

My frustration level is getting higher and higher by the day.
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Mike F., Alum

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Hi Leslie0014, From a business owner perspective, I can understand why you would want to process credit cards the way you describe. However, PCI compliance rules have become much more strict over the last few years and the practice you describe above is not within their guidelines and exposes you to a lot of liability.

If you are trying to connect your existing Quickbooks Merchant account with your Bigcommerc store then that would be the problem. Intuit offers several different types of merchant accounts. The type necessary for websites/ecommerce has different functionality and different fee structures than the one that connects to your actual Quickbooks program.

I realize this means having another merchant account, because in the new system (which is pci compliant) you won't have access to seeing the credit card numbers. You'll need to connect a merchant account with the store directly. You'll need to follow the procedures here: https://community.homestead.com/homes...
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Nic9866

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It appears that she is trying to connect her QBMS/IMS account that she was previously using with her Homestead Store. That being said, it is ready for e-commerce. I was able to get mine to work, but the Bigcommerce or Homestead instructions were inaccurate or incomplete at best.

Leslie,

I did get mine to work, it was frustrating. But I can tell you that it is possible.

You should go back and check your AppID, App Login, is the same in your developer account as in your bigcommerce store, make sure that they are exactly the same. Also make sure that you are not in test mode. I tried test mode and came up with errors. But after I took it out of test mode, I made a test transaction using a personal credit card, and it worked fine, I voided the transaction through the intuit payment services website.

One draw back of this module is that it does not allow authorization only transactions. So when your customers run their card, it charges it then and there. Not like before when it would charge when you marked your orders as shipped.

Good Luck!
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Eric2969

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I have never seen such a messed up system!
I signed up with Homestead, like a lot of other people, because I use Quickbooks and want the transition to be seamless, because I am not a web designer and cannot afford to spend time making them work. Pushing all Homestead customers to BigCommerce with such a poor transition, and giving such a short window, is bad business. Right now, my site is so far from being able to make the deadline and I'm about to leave the country. This will cost me a fortune to pay someone to fix and I will loose a ton of customers. Who at Homestead is going to refund me my losses?

If I get through this, I will surely look for a whole new system, including my accounting software. I am starting two new companies and surely will not use BigCommerce, nor any Intuit programs because of this. A lot of people need to get fired.
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Drew N, Community Manager

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We are sorry for your frustration, unfortunately we found Bigcommerce to overall be the best available new system, as Ebay is closing the door on Prostores.

The setup of Quickbooks merchant services is difficult, but you are not required to use that merchant account. You can look at options.

If you use Quickbooks, Bigcommerce does have 3rd party integrations that are far superior to Prostores.

Drew
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Helen9721

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I have already set this up, I do not want want to pay for more than one merchant account are you going to pay for the fees is I use a different account because we were forced to use this company?
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Mike F., Alum

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I'm sorry, I don't think I fully understand your question. you don't need to have more than one merchant account. We are not forcing you to use any particular company. In fact the new system provides you far more options than the old one. If you are still having problems please explain and we'll do our best to help you out.

Mike
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Pamela8612

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I'm not so sure about allowing them access to paypal for refunds, transaction data etc. Will someone please explain this further? The paypal info is very vague in regard to the ramifications.
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Pamela8612

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I also have to say that now that I've looked at my website on the new format it looks like crap. I don't normally use that word either.
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Mike F., Alum

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Pamela8612, I'm not quite sure what you are asking with regard to allowing access to PayPal. With regard to the appearance of your site, we are happy to help you out but need some specifics as to what is wrong or what your concerns are. If you'd rather talk to live support call the number on this page: https://community.homestead.com/homes...
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Thomas9351

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I need some quick guidance in relation to the Paypal Payments Pro set up in Big Commerce via an API Signature. I have this setup and the checkout process is working fine. The one major difference, though, between the functionality now and when I had the same set up through ProStores is that the transaction details of the check out...like quanity, sku, product description, etc., shipping, etc. are not coming through on the paypal side. We would like this data if possible. Help please.
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Thomas9351

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This is after processing in paypal. Before the switch over, when you went into your paypal account as a merchant, you saw the shopping cart contents as part of the transaction detail when a customer bought. Now, there is no shopping cart detail coming over from BG. Thanks for digging into this for me.
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Drew N, Community Manager

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No problem. I am still looking.
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Thomas9351

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Hi Drew - Any luck with this?
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Thomas9351

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I'm still experiencing this issue....is there anyone that can help?
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Mike F., Alum

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Sorry for the delay on the Thomas9351, Drew did look into this and found that the Bigcommerce system does not transmit those details to PayPal. Therefore you have to log into the store and look at the invoice.

Mike
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Kate4836

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Hello, I am having some difficulties with my payment processing options. One of the reasons we originally chose Homestead was that your system was compatible with Quickbooks Merchant Services (which we already had). Big Commerce can link with Quickbooks, but it was a much more intense process to get it to work. It appears to be working; however, we only accept American Express, Discover, Mastercard and VISA. The list on my checkout includes many more options and I cannot find a way to eliminate the ones we do not accept. I went and checked my merchant account and it clearly shows just the four. I need help. How do I get rid of the rest of the options?

Thank you,
Kate Liddle
www.suracdistributors.com
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Mike F., Alum

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This is a great conversation that's separate from the main topic, so I created a new topic to continue the discussion. Please reference the new topic here: Restrict credit card types
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Elizabeth2630

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This looks so plain and simple but that's not what's showing on my website to integration
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Drew N, Community Manager

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This is a great conversation that's separate from the main topic, so I created a new topic to continue the discussion. Please reference the new topic here: How do I configure my payements?

This conversation is no longer open for comments or replies.