Configure a Real-Time Payment Option

Last Updated: Nov 20, 2018 03:36PM EST
To add a new real-time payment option, select Add New Payment Option from the Payments menu, and then click on Real time credit card processing…. The window that will be displayed will list real-time payment methods that have already been configured, and will allow you to add a new one.

To configure a real-time payment option, you will need the account number, password, etc. provided to you when you setup an account with that payment gateway. Once you provide the information requested by ProductCart, your shopping cart will be automatically setup to communicate with the selected payment gateway.

Credit Card processing and test mode

To configure ProductCart to handle real-time credit card processing, select one of the supported payment gateways by clicking on the payment gateway name in the list shown to you. Then, enter the information required on the form. In most cases you can setup the payment gateway to operate in “test mode” while you run some tests to make sure that everything is working correctly.

About operating in “Test Mode”: check with your payment gateway with regard to specific credit card numbers and order amounts that you should use when operating in test more. In some cases there are strict requirements for you to adhere to.

About the CVV Code

Some payment gateways allow you to require that customers enter their card security code (often called the CVV code) on the payment details page. CVV stands for Card Verification Value, sometimes also referred to as CVC (Card Verification Code).

The CVV code is an additional 3-or 4-digit security number that is printed (not embossed) on a credit card. On MasterCard, VISA and Diners Club cards, the CVV code is the last group of 3 or 4 digits to be found printed on the signature strip on the reverse side of the card. On American Express card the CVV code is represented by the 4 small digits printed on the front of the card, on the right side of the account number.

The CVV code can only be found on the card itself and nowhere else, not even on associated credit card statements. This means that the person requesting the transaction must have (or have had) the card in their hands.

In compliance with PCI security standards (protection of cardholder information), the card security code is never saved to your store database and cannot be used with offline credit card processing.


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