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Adding Payment Methods in Flyerlink

Daryl Edgecombe
by Daryl Edgecombe 6 years ago
 

This resource contains all the documentation for deciding what payment methods you want to use in Flyerlink.

Intro

Add payment methods in w3p Add payment methods in w3p

w3pay - powered by Stripe

Taking Payments - Setting up w3pay Taking Payments - Setting up w3pay

GoCardless

GoCardless - Direct Debit payments GoCardless - Direct Debit payments

PayPal

PayPal Application PayPal Application

Klarna

Scellius Paypage

Scellius Paypage integration with La Banque Postale Scellius Paypage integration with La Banque Postale

PayU

Collecting payments with PayU Collecting payments with PayU

Worldpay

Adding Payment Methods in Flyerlink

This resource contains all the documentation for deciding what payment methods you want to use in Flyerlink.

Add payment methods in w3p

This document contains general information about adding Online & Offline payment methods in Flyerlink.

Taking Payments - Setting up w3pay

Introduction to payment gateways

w3pay enables you to receive automated payments from customers ordering jobs online. Customers enter their payment card details, the money is transferred via Stripe, the payment enters your account and a job with a cashbook is made in Flyerlink.

Flyerlink is integrated with three other payment gateways:
Worldpay, Paypal and Buckaroo:

  • Buckaroo is a European-only payment gateway.
  • Worldpay offers competitive rates for large transaction volumes, however the set-up process is complicated and time consuming.
  • PayPal is well-known and easy to set up.

If you would like advice on setting up these payment methods,
please refer to article 4740.

We recommend using w3pay powered by Stripe, as it is easy to set up with low transaction fees.

w3pay Rates

All transactions are charged a flat fee of 1.4% + 20p.
This is 2% cheaper than PayPal.

How to link Stripe and Flyerlink

We've made it simple to link your cards with Stripe.

Simply go to Workgroup > Admin > Workgroup Settings > Payment Methods. Then follow the steps below:

  1. Tick the option to set "W3PAY ENABLED".
    You might need to disable Worldpay to unlock this option.

  2. Press the Connect with Stripe button.

  3. Either create link to an existing Stripe account.

    Or sign up to a new account by completing a simple form.

    If the Stripe form does not appear, your browser will prefill the details of the last Stripe account you signed into.

    When you create a Stripe account, make sure the website you enter is one matching an email of yours so you can validate this later. EG, if your email address is "yourname@bestdomain.com" say your website is "bestdomain.com"
  4. Click on the Add or Edit w3pay payment methods link

  5. Add at least one payment card. These are the credit and debit cards customers can pay with.

    If you've already added payment cards before step 2, we'll copy the Stripe Access Key & Publishable Key, over for you. Otherwise you can enter a temporary value, unlink your Stripe account and reactivate it. Your payment cards will now automatically be updated with the correct details.

    Currently Stripe can only receive payments from the following payment cards: Visa, MasterCard, and American Express. See FAQs (below) for more details.

     

  6. Check that the payment cards are listed on your site.

    Consider making a small test payment for a £0.50 OpenSource product. Or using the virtual terminal to make a 50p cashbook for your trading account at Workgroup > Payments > Create Payment.

How does it work?

Once you've linked your Stripe account to Flyerlink and added the payment methods (types of payment card) you want clients to see, your customers will be able to enter their payment card details in an online form.

Once the payment card details are entered, Stripe will check if they are valid, and will quickly transfer funds between bank accounts. Valid payment card details will then be saved, a cashbook will be made in Flyerlink, and you will receieve an email to let you know an order has been placed on your site.

w3pay does not store payment card details; this is handled by Stripe.

Additional Payment Methods

When you sign up to w3pay, you'll no longer be able to use Worldpay.

You can also set up PayPal, as some users trust and would rather use this service. Please read Article 4741 for guidance on setting up PayPal.

Finally you can set up offline payment methods. Please read Article 4745 for more advice.

Viewing Charges

The charges set by Stripe are taken at the time of transaction, however you're able to see how much your charges come to by online in your Stripe account.

Simply login in to your Stripe account dashboard, and on the left hand side click Tranfers. Once in the transfer screen you'll see the Future Transfers highlighted in blue.

Next screen shows you all the transfers associated with that date, click on the blue heading, Stripe Transfer.

You will now see the total fees that will be deducted by Stripe for that particular day.

Stripe are continually developing their system and will allow transactional downloads in the near future.

Frequently Asked Questions

How much do I pay for each transaction?

You'll be charged a flat rate of 1.4% + 20p.

How large a transaction do I need through Stripe?

You'll need to pay a least £1.00 to make a Stripe payment

Do I need to add any payment icons to my site?

Yes all w3shops using w3pay should show that the payments are secured. Please use one of the icons provided on Resource Article 5102.

What cards can I use for Stripe payments?

United Kingdom businesses can accept Visa, MasterCard, and American Express.

What do I do if I forget my Stripe Secret Key and Publishable Key?

Firstly, check one of your existing payment cards has the correct Stripe Secret Key and Publishable Key. If it does, simply copy that.

Otherwise, unlink your Stripe account and re-link it.

Why are the API keys different in my account than Flyerlink?

We're using a connected stripe account, so the API keys used for our connection will be different to the ones you see in your Stripe account.

Provided you've pressed the blue Connect with Stripe button and linked your account that way, we will have the correct keys to allocate payments to your account.

What should I do if my API key has been revoked?

If you or your customers see the following error:

...it means that Stripe have revoked your API key.

Log into https://manage.stripe.com and you should see a notification explaining why. There will probably be a problem with the details you provided. Resolve the problem and then you can unlink and relink your Stripe account with w3p Flyerlink.

What to do if the card is declined?

There are several reasons a card could be declined by Stripe, the client will likely need to ask their bank for more details. Check out https://stripe.com/help/declines for more information.

How long do Stripe hold my funds?

Funds in a Stripe account are held for 7 days in the UK before being transferred to your business bank account.

What to do if there is an API error?

If there's an API error when someone is paying, you can clear the stripe details we've stored for individual customers in Flyerlink. Head to Workgroup > Customers > View/Amend. In the Nuts & Bolts section, change the customer's category and then change it back again.

If you are getting multiple API errors, you can clear all saved cards and stripe details by relinking your stripe account.

Head to Workgroup > Admin > Workgroup Settings > Payment Methods. Untick Stripe to clear all details, then tick it again and relink to your account.

Any other questions?

Please refer to Stripe's FAQs for a more comprehensive list of answers to questions.

GoCardless - Direct Debit payments

GoCardless allows you to charge clients by direct debit who authorise you to do so.

Setting up GoCardless

1) Head to Workgroup > Admin > Workgroup Settings > Payment Methods

Tick "GoCardless Enabled"
Then press the Connect now link


 

2) Connect your existing GoCardless account
Or sign up to a new account

Press connect and that's done.

3) Complete your GoCardless account set up, you will need to connect your bank account and make a few penny transaction to GoCardless to verify that you can access the account

Charging clients by GoCardless

Clients need to authorise you to collect by Direct Debit before you can charge them through GoCardless.

Once you've signed up to GoCardless - you'll be able to request authorisation

1) Head to Workgroup > Customers > View/Amend
In the Financial section, you'll see a link

Click this to open up an email template
2) The email has a link clients use to sign up to Direct Debit

3) When this is filled in the client will show as authorised in Flyerink and we'll add a link to their customer in GoCardless

GoCardless subscriptions

When a client is using GoCardless you can create a subscription via Workgroup > Customers > Financials > Subscriptions

Choose the auto Direct Debit option

The subscription creates a standalone invoice on cash terms
Just that charge will go through GoCardless

Flyerlink will create a cashbook against the invoice when the GoCardless charge is made
If the charge bounces or is refunded or fails, we'll create a refund cashbook against the invoice to show payment is still required

GoCardless for all invoices

You can also use GoCardless to collect by direct debit any non-subscription invoice with an outstanding balance.

When your customer has given you a direct debit mandate, you'll see an option to take by GoCardless just subscriptions or all outstanding invoices.

Please note: this option is hidden for customers on CASH terms
You'll need a payment term that gives at least 1 extra day notice to customer for how much is being taken.

To take all invoices - choose a date from which to start taking by Direct Debit. Flyerlink defaults to today's date.

If you choose an older date, do beware that Flyerlink will take payment for the outstanding balance due to all invoices due after the date you chose automatically overnight.
So  please review your customer's outstanding invoices via Workgroup > Customers > Financials > Invoices and alert the customer that payment for those items will be taken before choosing an older date.

Flyerlink will add a note to any invoice due after this date with an outstanding balance that it will be taken by direct debit. This enables your invoice to act as advanced notice for taking a variable amount by direct debit.

The charge is taken by GoCardless 2 days before the due date - so the payment leaves the customer bank on the due date. If you need to change the length of the due date on invoices you can do this by changing the customers payment terms.

The charge is only for the outstanding remaining balance on an invoice - the charge will deduct any existing payment or credit allocations

Grouped invoice charges

For customer on end of month credit terms they could have multiple invoices due on the same date.

Rather than charge for each invoice, the integration groups outstanding overdue invoices so any invoices due on the the same date would get charged in one

Your charge in GoCardless will reference all the invoices the payment is for

The customer will also be emailed when the charge is placed explaining all the invoices the charge is for and the amount the charge is for.

Deducting outstanding credits

If you have to raise a credit for a customer who's on automatic GoCardless collection, before creating a charge the integration will automatically allocate the credit to invoices that are overdue

That way you can be confident a customer who has payments collected regularly always has a settled account including any credits

To ensure the credit is allocated to the correct invoice, you can allocate it before the next charge is automatically raised.

Payment bounces and retries

After a direct debit is initiated, if the payment bounces or the mandate is failed the client will automatically be emailed to let them know the payment failed with a link to pay by card online

If you have a conversation with the client and they ask you to take by Direct Debit, you can find the invoice in flyerlink and press the "Retry Direct Debit" link
This will queue the invoice up so it will be retried overnight the following night

Watch set up demo

 

FAQs

Should I charge by Direct Debit or Credit Card?

Direct Debits are cheaper than Credit or Debit Card payments, with GoCardless charges at 1% capped at a max of £2.

However, Direct Debits are easier for customers to dispute or charge back. For partners on credit terms use Direct Debit, for those you don't trust as much use card payments.

How much can I charge by Direct Debit?

GoCardless by default caps payments at £5,000
So any payments over £5,000 cannot be taken through our API
You can contact GoCardless to get this limit raised

How can I see the progress of Direct Debit payments and mandates?

Head to Workgroup > Admin > Workgroup Settings > Direct Debit History

Here you can see a log of all the direct debit payments and mandates initiated from Flyerlink
It will show if there have been any errors taking payments and the details of the errors
And also it links to the customers and payments affected by the Direct Debit

How long does it take to process the payment

With GoCardless the charge takes 2 days to leave the client's account, GoCardless then hold payment 2 more days so you get paid 4 days after the charge.

If the invoice was made with more than 2 days notice we will charge 2 days before the due date - so the payment leaves the client account on the due date - but it will still be held by GoCardless for 2 days.

What happens if a payment is bounced or disputed

If the payment bounces or is disputed before it's paid to your account, GoCardless will refund the client.

A reversal payment will also be created in Flyerlink so the invoices affected show as overdue with an outstanding balance.

We will then automatically email the client (copying in the workgroup invoicing email address) asking them to pay online by card and get in contact if there's a payment dispute to remedy

Are subscription invoices taken by Direct Debit when all invoices are?

The subscription payment option is decided per subscription - so make sure to set GoCardless for subscriptions if the customer collects Direct Debit for all other invoices.

PayPal Application

Setting up PayPal payments

 

 Contents:

1. Introduction

2. Online Payment Processing with PayPal

3. How to sign up

4. Getting your API credentials

 
  • What if I don’t sign up?
  • I already have a personal PayPal account, can I use that?
  • Can I choose a different payment gateway?
  • Can customers pay online for jobs I create in Flyerlink®?
  • How long do the funds take to reach my account?
  • How can I keep track of my payments?
  • Will I find out if a payment is declined?
  • My customer is having a problem making a payment

 

1. Introduction

Online payment gateway

Online payment gateways enable you to receive payments directly into your bank account, without having to ring up customers and chase payments. Customers enter their payment card details with PayPal, the payment enters your PayPal business account and a job with a cashbook is made in Flyerlink.

Flyerlink® works with 3 payment gateways in the UK:

  • Worldpay offers competitive rates for large transaction volumes, however the set-up process is complicated and time consuming.
  • PayPal is well-known and easy to set up.
  • Stripe is the recommended choice, as it is easy to set up with low transaction fees.

If you've already got a personal PayPal account, you can upgrade it to a business account rather than use 2 seperate ones. See section3 for more details.

 

PayPal Rates

PayPal fees decrease as you make more transactions.

The standard rate for receiving payments for goods and services in the UK is 3.4% + 20p.

If you receive more than £1,500.00 GBP per month, you're eligible to apply for PayPal's Merchant Rate. Your fees can be as low as 1.4% + 20p, based on your previous month's sales volume.

2. Online Payment Processing with PayPal

How does it work?

Once you’re signed up to accept PayPal and we’ve activated you in Flyerlink® (see sections 4 and 5), when customers place an online order, they be redirected to the PayPal secure payment page.

Collecting payment data

Customers have the option to pay with their PayPal account, or to choose their credit or debit card type. Note that the surcharge is highlighted – you can choose the level of surcharge we show (and automatically apply) for each card type. After choosing, they’re transferred to PayPal to enter their card details.

Authentication and payment

PayPal will verify the credit card details for you, and will credit your PayPal business account with the funds for each order. If you don’t have an existing PayPal business account, see section 3.

If the details can’t be verified, the payment is normally declined and the shopper or payee is asked to use another type of payment.

Flyerlink® magic

You’ll receive details of the order via email and Flyerlink® News Feed as normal. We’ll automatically create a cashbook in Flyerlink® for you, and allocate it to the order. If you view the cashbook you’ll see a message at the top of the screen, to let you know it’s already been processed:

3. How to sign up

 

You can start receiving automatic payments from PayPal by signing up to a PayPal business account, or by upgrading your existing personal PayPal account.

Upgrading an existing personal account

If you’ve already got a PayPal account, you don’t need a separate one for your business. You can just upgrade your existing account. For more on how to do this check out https://www.paypal.com/uk/smarthelp/article/how-do-i-upgrade-my-paypal-individual-account-to-a-business-account-faq1317

Signing up to a new business account

Sign up to a new business account here:

You will only need a Standard Account for the payment option we’ve chosen. This way, you will not have to make any monthly payments to PayPal.

To sign up for a new account, you’ll need:

  •  An email address not in use by PayPal;
  • A bank account you’re willing to link to your PayPal account;
  • Your business details, such as the business address and name.

Once you’ve filled in your details, PayPal will ask you to validate your email address and bank account. You can validate your email address by receiving an email from PayPal, and confirming the code they send you. To validate your bank account, PayPal will deposit two micro-payments into your account. You will simply need to notify PayPal how much they deposit into your account.

Once you’ve got a verified PayPal account, you’ll need to get your API credentials and add them to Flyerlink®. This will let your website know what PayPal account to transfer payments to.

Getting your API credentials

  1. Sign-in to your PayPal account.

  2. Head to Profile > Account Settings > Account Access > API Access > Update

    Scroll to and pick "NVP / SOAP API credentials (Classic)"

    Then "Manage API Certificates"
    Request an API Signature.

    Reveal the API user, password & signature, copy save this to copy into Flyerlink.

IMPORTANT INFORMATION

You will need to keep a record of your API Username, API Password and Signature, so they can be added to Flyerlink®. If one of these is missing, you’ve probably chosen the wrong API option. To find the correct option, remove your credentials and request a new one.

 

5. Adding your API credentials to Flyerlink

Once you’ve got your API credentials, you ’ll need to let Flyerlink know what account the PayPal payments should go to.

Simply take the API credentials and add them to Flyerlink® in the following way:

  1. In Flyerlink®, go to Workgroup > Admin > View/Amend > Payment Methods
  2. Choose PayPal Enabled? and Save
  3. Follow the “Add or edit PayPal payment methods” link
  4. Choose the payment methods you want in the dropdown menu. Your options are:                                                                     
    PayPal Express – This automatically loads the option to pay with a PayPal email address.                                               Debit or Credit Cards – This automatically loads the option to pay by debit or credit card.                                      We recommend you select one of each type.
  5. Enter the API username, API Password and API Signature that you got from your PayPal account and Save.
  6. Make a test payment, by adding a product to your basket and proceeding to the checkout. If there are any errors, double check your API username, API Password and API Signature are correct

In this area, you can also add offline payment options to all your customers, but remember if you add an offline payment you will need to chase it up.
 

6. Clients online payments

As soon as your PayPal account is activated, customers will be able to make secure online payments for new orders they place online or existing orders, whether they were placed online or offline via Flyerlink®
 
All jobs that have payment outstanding are listed on the clients
Dashboard, in their Notifications section.
 
 
Clicking the Pay Now takes your client straight to the payment options screen.
 
Flyerlink ® will automatically create a cashbook for you, and allocate it to the order. You’ll be informed via an email and Flyerlink® News Feed that a client has made payment.
 
 

7. Frequently asked questions

What if I don’t sign up?

Your customers will still be able to place orders online, payment must be taken offline. Clients enter their payment details online, Flyerlink® records these details securely, you’ll receive notifications of the order via email and Flyerlink® News Feeds. You then need to process the payment offline via your in-store credit card machine. See section 1 for more information on the benefits of WorldPay.

I already have a personal PayPal account, can I use that?

Sure. But you’ll need to upgrade this to a business account, see section 4 for more details.

Can I choose a different payment gateway?

Payment gateways require significant development time. We have invested approximately 1000 developer hours integrating WorldPay and PayPal with Flyerlink®. We have no immediate plans to integrate other payment gateways. Remember, you are free to choose WorldPay as an alternative, although bear in mind the setting up time is much greater.

Can customers pay online for jobs I create in Flyerlink® ?

Yes, see section 6 for more details.

How long do the funds take to reach my account?

With PayPal, payments are normally credited to your account within a few hours. However, do not worry if payments are not visible for 4 working days, as some card issuers can be slow to transfer payments.

How can I keep track of my payments?

You can view details of your transactions whenever you sign into your PayPal account.

Will I find out if a payment is declined?

We’ll only tell you about successful payments. If a payment is declined, we’ll ask the customer to choose a different payment method. If they abandon their basket at the payment screen, you should call them to talk through the options.

My customer is having a problem making a payment.

Have you tried doing a test job? Is the WorldPay payment page viewing correctly? If not, have the PayPal API username, API password and API signature been updated recently? Double check these details and make sure your API credentials haven’t changed in your account. If all of the above is correct emails bugs@printing.com including your Flyerlink® Workgroup code, and explanation of what is happening. Please include screen shots.

Scellius Paypage integration with La Banque Postale

Orderlink is integrated with collecting online payments through into the French bank La Banque Postale using their Scellius Paypage integration

To set this up you will need to talk to La Banque Postale about getting Scellius Paypage set up with your account

When that's done they'll provide you with the following

Merchant ID: (eg 002002000000001)
Secret Key: (eg 002002000000001_KEY1)
Key Version: (eg 1)

When you have this information and your paypage is set up you can add this to your online portal in Flyerink by heading to Workgroup > Admin > Workgroup Settings > Payment Methods >Adjust Settings

1) Tick "Scellius enabled"

Click the link to manage your Scellius payment methods

2) Add the merchant ID, Secret Key and Key version provided by La Banque Postale

3) Log into your online portal and make a test transaction
You'll see Scellius Paypage as an option when you checkout

Place a test order to make sure your Paypage is fully set up and that the details provided by La Banque Postale are correct

 

Collecting payments with PayU

Setting up PayU online payments

 

 Contents:

1. Introduction

  • Online payment gateways
  • PayU rates

2. How to link PayU with Flyerlink

  • Upgrading an existing personal account                                            
  • Signing up to a new business account

3. Receiving online payments

4. Frequently asked questions

1. Introduction

Online payment gateway

Online payment gateways enable you to receive payments directly into your bank account, without having to ring up customers and chase payments. Customers enter their bank account details through PayU's online portal, the payment then enters your PayU merchant account and a cashbook is allocated against your job to mark it as paid in Flyerlink.

Flyerlink® is connected with other payment gateways:

  • PayPal is well-known, highly international and easy to set up.
  • Stripe is the recommended choice for the countries it operates in, as it is easy to set up with low transaction fees.
  • Worldpay offers competitive UK rates for large transaction volumes, however the set-up process is complicated and time consuming.
  • Buckaroo is a Holland-specific payment portal that accepts Ideal payments.
  • PayU operates internationally in several countries including Poland, India, Romania, Turkey, Russia, Brazil, Mexico, Argentina and Russia.

This guide explains how to set up PayU, the preferred choice in Poland.

PayU Rates

PayU charge a fee per transaction you use the payment portal for. There are no monthly or weekly fees, only charges per transaction. The transaction fee is tailored to each business. 

Contact PayU to discuss your payment rate. 

2. How to link PayU with Flyerlink

To start receiving online payments through PayU, follow our steps below:

  1. Register for a PayU Merchant Account.
  2. In your PayU Account, head to Online Payments > My Shop > Add Shop.
    Enter details of your online shop.

    We will take care of the Error return address & Successful return address for you, so don't worry about this. Just add something sensible such as  your orderlink site url with /account/payu-return.
    Eg http://www.orderlink.pl/payu-design-studio/account/payu-return.
  3. Choose the Checkout POS type when setting up your PayU merchant account.

    If you're having authentication issues, with a test payment you may have chosen the incorrect Express Payment option.
    To swap back, create a new shop and delete your old one.
  4. Take a note of your POS and Secondary Key (MD5), you'll need to add these to Flyerlink.
  5. Log into Flyerlink and head to Workgroup > Admin > Workgroup Settings > Payment Methods.
  6. Tick PayU Enabled? and save.
    Then click the Add or edit PayU payment methods link.
  7. Choose the PayU payment method you want, whether you want surcharge added or not, and Enter your POS and Secondary Key (MD5), from step 3.
  8. Save and give your PayU account a test run by going to your Orderlink Payment page.
    You should see the payment method you added.

If you didn't take a note of your POS and Secret Key (MD5) while setting up your PayU shop, don't worry you can retrieve it any time by logging into PayU and going to Online Shops > My Shops > POS


Then press the POS for your shop and you'll see your Configuration Keys again.

3. Receiving online payments

Once your PayU account is activated and your credentials are in Flyerlink, customers will be able to make secure payments their online orders.

All jobs with outstanding payments are listed on the clients

Dashboard, in their Notifications section.

Pressing any link will take the customer to that pay now page.

Once a payment is made, Flyerlink will automatically create a cashbook and allocate it to the order. PayU will process the payment and allocate it to your bank account. You’ll be informed via an email and Flyerlink® News Feed that a client has made payment.

4. Frequently Asked Questions

I'm getting an Authorisation Error, why?

If you see an "Authorisation Error" when making a test payment, either you've copied your Configuration Keys incorrectly, or you've chosen the Express Payment POS type.

We need the Checkout POS type, then we need your POS and Secondary Key (MD5) to pay the correct account.

To swap back, create a new shop and delete your old one.

What countries does PayU operate in?

PayU operates in several international countries, including: Poland, India, Romania, Turkey, Russia, Brazil, Mexico, Argentina and Russia. For a full list, visit PayU's corporate website.

PayU does not operate in most Western European countries, the UK, United States, New Zealand or Australia.                                                                                                                                                                                  

 
 
 
 
 

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