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Martin Cogburn
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    Integrating a Payment Gateway

    Prerequisites

    • An ONTRAPORT account

    • A payment gateway that has approved you (see list of available gateways ONTRAPORT integrates with below)

    What is a Payment Gateway?

    A payment gateway is an e-commerce application service provider that acts as an intermediary between you and your merchant account (the application that allows the flow of money to and from your bank account). It authorizes payments for e-businesses, online retailers and the like. It is the equivalent of a physical point of sale terminal located in most retail outlets. Payment gateways protect credit card information such as credit card numbers by encrypting them, to ensure that information is passed securely between the customer and the merchant and also between merchant and the ONTRAPORT.

    Which Payment Gateways to Use

    We integrate with quite a few gateways. The majority of these gateways don’t require you to obtain a merchant account as they already seek those out for you automatically. Your first step is to select and set up a payment gateway outside of ONTRAPORT; that way you can grab the credentials needed for integration.

     

    If you’re entirely unfamiliar with the concept of a payment gateway, a good place to begin is with a free Stripe or standard PayPal gateway that requires no credit approval. Note that the standard PayPal gateway does not support selling subscription, payment plan, or upsell products, and has some limitations on how successful and declined transactions are handled. If you’re planning on selling subscription products or products with recurring payments you’ll want to upgrade to a more traditional payment gateway such as Stripe, PayPal’s Payflow Pro or PayPal Pro (formerly known as Website Payments Pro).

     

    Note that we also have a dummy gateway for running test purchases and the resulting actions of a purchase.

    List of Available Payment Gateways

    • Dummy Gateway (the designated test gateway provided by ONTRAPORT)
    • Authorize.net CIM
    • Authorize.net
    • USA ePay
    • eWAY
    • eWAY Rapid (eWAY's new Rapid API in existing eWAY Accounts)
    • Network Merchants Inc
    • Elavon (Virtual Merchant)
    • Payleap
    • Payjunction
    • PayPal
    • Payflow Pro
    • PayPal Payments Pro
    • QuickBooks (QBMS)
    • Stripe
    • WorldPay

    Gateway Features

    gways2.png

    GATEWAY Order
    Forms
    Upsell
    Forms
    Manual
    Orders

    Refunds
    Recurring Billing / 
    Subscriptions
    Requires
    Merchant Account
    Non-US
    Currencies
    Authnet1,2,3,4,6
    yes
    yes
    yes
    yes
    yes
    yes
    yes
    Authnet CIM1,2,3,4,6,T
    yes
    yes
    yes
    yes
    yes
    yes
    yes
    Elavon
    yes
    yes
    yes
    yes
    yes
    yes
    no
    eWAY 1
    yes
    yes
    yes
    yes
    yes
    yes
    yes
    eWAY Rapid 1,2,5,7,8
    yes
    yes
    yes
    yes
    yes
    yes
    yes
    NMI
    yes
    yes
    yes
    yes
    yes
    yes
    no
    PayPal (standard)
    yes
    no
    no
    no
    no
    no
    no
    PayPal Pro1,2,3,4,6
    yes
    yes
    yes
    yes
    yes
    no
    yes
    PayPal Payflow Pro1,3,5
    yes
    yes
    yes
    yes
    yes
    yes
    yes
    Payjunction
    yes
    yes
    yes
    yes
    yes
    yes
    no
    PayLeap
    yes
    yes
    yes
    yes
    yes
    yes
    no
    QBMS
    yes
    yes
    yes
    yes
    yes
    yes
    no
    QBMS TokenT
    yes
    yes
    yes
    yes
    yes
    yes
    no
    Stripe1,2,3,4,6,9
    yes
    yes
    yes
    yes
    yes
    no
    yes
    USA ePay
    yes
    yes
    yes
    yes
    yes
    yes
    no
    WorldPay
    yes
    yes
    yes
    yes
    yes
    yes
    no

    1Australian Dollar   2British Pounds   3Canadian Dollar   4Euros   5New Zealand Dollar   6Others (see gateway website)  7Singapore Dollar   8Hong Kong Dollar 9Brazilian Real 

    TSupports tokenization; used when CVV check is required with recurring billing / subscription payments

     

    Note: Many gateways accept transactions in currencies from around the world but restrict use to companies located in certain countries. The footnotes indicate not only the currencies accepted, but the specific countries that gateway operates in as of publication. For all the currencies listed as "Other", check with the gateway to verify that they operate within that country.

     

    How to Integrate a Payment Gateway

    1. Click Sales in the Navigation menu and select Settings

    2. Click GATEWAYS


    3. Click on the New Gateway button

    4. In the Select a Gateway Type drop down box select your gateway.


    Currency Options

    ONTRAPORT's easy gateway integration allows you to sell products in your choice of currency by choosing a gateway supporting that currency. Configure the currency setting in your gateway, select the same currency in ONTRAPORT, and get started processing orders in that currency immediately. Gateways that process in currencies other than USD include Authorize.net, eWAY, PayPal Pro, Stripe and WorldPay. Here are some tips on choosing the gateway:

    1. Note that ONTRAPORT does not do any currency conversion.  Your account will use the currency symbol you choose for all transactions, even those processed before you changed your currency setting. If you have existing sales it is strongly recommended you download sales reports and transactions to keep track of the sales in the old currency.

    2. Verify that the payment gateway operates in your country. Many gateways accept transactions in currencies from around the world but restrict use to companies based only in certain countries. 

      1. See all countries Authorize.net supports

      2. eWAY Rapid supports countries including Australia, New Zealand, United Kingdom, Singapore, and Hong Kong. For Malaysian Ringgit transactions, eWAY requires the company to be based in or have a bank account in Australia or New Zealand.
      3. See all countries PayPal Pro supports

      4. See all countries Stripe supports.

      5. Contact Worldpay support to determine if your country is supported.

    3. Configure your payment gateway to accept the currency you wish to bill in, and note that there are potential costs associated with your choice. 

      Some gateways, such as Stripe, will accept different currencies but convert them into your bank's default currency. That can lead to additional fees assessed by your bank as the funds are converted. Make sure you have the gateway configured so that you will avoid these charges.

      Other gateways will reject the transaction if the currency type does not match one you have configured, or blindly process the transaction in your default currency. This can lead to loss of sales or sales value.

      ONTRAPORT is not responsible for these charges. It is your responsibility to verify the gateway configuration is correct. 

    4. Integrate your payment gateway with ONTRAPORT. 

    5. Visit Administration > Localization to select your currency setting in ONTRAPORT.

      administration data localization

      1. Select the currency from the drop down.

        Choose currency

      2. Choose how you want the currency symbol to appear. Typical choices include the currency symbol and currency abbreviation, or just the currency symbol, before or after the value. 

        choose currency format

      3. Select the number format in the last drop down box. Choices are to use the comma as the decimal separator, typical in Europe, or to use the period as the decimal separator.

        currency number format


    6. Verify that the gateway and currency setting work correctly. Process a live transaction on a valid credit card and verify the charge is reflected correctly in your payment gateway and bank. 

    7. Note that the new currency symbol is used on all items and sales reports in ONTRAPORT, including historical sales made prior to the change. It is up to you to segregate sales prior to the change and reflect them properly in your books. 


    Available Currencies (with Authorize.net, PayPal Payments Pro, or Stripe)

    • Australian Dollar (AUD)

    • Brazilian Real (RL)
    • Canadian Dollar (CAD)

    • Czech Koruna (CZD)

    • Danish Krone (DKK)

    • Euro (EUR)

    • Hong Kong Dollar (HKD)

    • Hungarian Forint (HUF)

    • Israeli New Sheqel (ILS)

    • Japanese Yen (JPY)1

    • Mexican Peso (MXN)

    • Norwegian Krone (NOK)

    • New Zealand Dollar (NZD)

    • Philippine Peso (PHP)

    • Polish Zloty (PLN)

    • Pound Sterling (GBP)

    • Romanian New Leu (RON)

    • Singapore Dollar (SGD)

    • Swedish Krona (SEK)

    • Swiss Franc (CHF)

    • Taiwan New Dollar (TWD)

    • Thai Baht (THB)

    • U.S. Dollar (USD)

    Available Currencies with eWay Rapid

    • Australian Dollar (AUD)

    • Great Britain Pound Sterling (GBP)
    • Hong Kong Dollar (HKD)
    • Malaysian Ringgit (MYR)
    • New Zealand Dollar (NZD)

    • Singapore Dollar (SGD)



    Available Currencies with WorldPay

    • Australian Dollar (AUD)

    • Brazilian Real (RL)
    • Canadian Dollar (CAD)

    • Danish Krone (DKK)

    • Euro (EUR)

    • Hong Kong Dollar (HKD)

    • Norwegian Krone (NOK)

    • New Zealand Dollar (NZD)

    • Pound Sterling (GBP)

    • Singapore Dollar (SGD)

    • Swedish Krona (SEK)

    • Swiss Franc (CHF)

    • U.S. Dollar (USD)

    1 Note: ONTRAPORT's number format currently includes 2 decimal places, even when the Japanese Yen (JPY) is set as the currency. Because the Yen does not allow fractional amounts any value in the two decimal places is simply ignored (not rounded). 

    FAQs

    Q: Which gateways are best for non-US currency?


    A. There are two main factors to consider. First, does the gateway serve companies in your country, and second, does the gateway offer the currency you want to use? Many gateways accept transactions in currencies from around the world but restrict use to companies located in certain countries. Verify that your company can use the gateway first.

     

    1. See all countries Authorize.net supports

    2. eWAY Rapid supports Australia, New Zealand, United Kingdom, Singapore, Malaysia and Hong Kong. 

    3. See all countries PayPal Pro supports

    4. See all countries Stripe supports

    5. Contact Worldpay support to determine if your country is supported.

     

    Q: I want to sell in multiple currencies, can I do that with ONTRAPORT?

     

    A. Our system allows one currency only. We recommend you use separate ONTRAPORT accounts for each currency. The only alternative is to use UltraCart, a native integration with ONTRAPORT that does support multi-currency handling, with up to 12 different currencies accepted. 

     

    Q. I changed my currency in ONTRAPORT last month, and now I have $3,278 in currency conversion charges. I want you to pay them.

     

    A. Your payment gateway should have been set to bill in the same currency or configured with a bank account that accepts that currency, as clearly indicated in our configuration articles and inside ONTRAPORT when you set the currency type. Your payment gateway received the payment in the funds you specified and your bank converted them. The responsibility for the currency conversion charges are between you, your payment gateway and your bank. ONTRAPORT will not reimburse you.

     


    Q. I just changed my currency in ONTRAPORT and immediately all of my orders are being refused! I am losing money by the second! Fix this!


    A. You have to set the payment gateway to accept the currency you select in ONTRAPORT. Your payment gateway is refusing the order form submissions because we are sending a different currency type than it expects. This is explained in all of our documentation and in ONTRAPORT on the currency selection page.

     

     

    Q. I changed my currency setting in ONTRAPORT a while back, and I just noticed you did not convert all of my sales history from USD into my new currency, yet you show those transactions with the new currency symbol. How am I supposed to know which sales were in USD and which are in my new currency?


    A. Our configuration documentation and a warning inside ONTRAPORT advises you that the currency symbol will change system wide, and that no currency conversion is attempted. You should have exported your sales history at the time of the currency change to make the adjustment to your books prior to the conversion change. Nothing in your history has changed, so you can still do this now. Export the sales history dated prior to the changeover and correct your books. If you need the date of the currency change in your account please contact Support.


    Q. Do I have to modify all of my existing order forms, including legacy Smart Forms with Order Forms on them? Some of those are installed using the raw "HTML Version for Geeks" option.

    A. All of your ONTRAPORT Order Forms will update to using the new currency symbol, including ones using the raw HTML Version code. This assumes you have not modified the code. The change will automatically propagate to legacy Smart Forms with products on them, ONTRAforms with order form blocks, and ONTRApages with order form blocks.

     

    Integrate with:

    Other Resources

    ONTRAPORT Projects are in-app, step by step instructions to walk  you through the process step-by-step. You can pause and come back at any time, and using the training program does not interfere with using ONTRAPORT, making it ideal for both beginning and advanced ONTRAPORT clients. Have ONTRAPORT open in another tab and click the Project below:

    ONTRAPORT's Community Q&A Forum is our peer-to-peer support site for quick answers to your questions 24 hours a day! ONTRAPORT Support, our Certified Consultants, and your fellow entrepreneurs provide the answers.

     

     

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    Comments

    • Avatar
      Peter Price

      I need instructions for integrating WorldPay, which is also listed within Ontraport. Are there instructions for this?

    • Avatar
      Patricia Arroyo

      Not sure why I'd want the return URL to be an ontraport  (http://forms.ontraport.com/v2.4/paypal_redirect.php)rather than my own website?

    • Avatar
      Frank Hagan

      If you set the Return URL to the ONTRAPORT link we will redirect the contact to the Thank You page or page indicated in the "Run these rules if payment is processed successfully" on the individual order form. 

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