Set Up Payment Configuration
Description of Payment Services
Miva Merchant includes the following payment modules. The ones you may have may be different, depending upon your Internet Host Provider. Click the link to learn about the service.
Check Payment
The Check Payment module allows your customers to enter a check number at order time. It is assumed that the customers will then mail in the check. It would be good to create a footer that tells the customer where to send the check. There are no configurable options for this module.
COD
The COD Payment module allows you to enter an extra charge your customers will be billed when selecting this payment module. In addition it allows you to enter a message that will be displayed when the customer selects this option.
- Enter the message you want displayed to explain the COD charge. You can include HTML tags in this message.
- Enter the extra charge that will be added when this payment type is selected.
Credit Card Payment with Simple Validation
This is simple credit card validation module. It does not validate credit card payments, it simply verifies that the credit card number is a valid number.
Select the credit cards you wish to accept.
Payment Gateways
Authorize.Net Payment Services v3.0
Everyone recognizes that Internet commerce is the next big opportunity - for businesses, for financial institutions, and for consumers. But doing business on the Net means finding a secure, cost-effective, and reliable way to collect payment and process transactions. Authorize.Net fills that need with a server-based transaction-processing system that enables businesses to authorize, process, and manage credit card and electronic check transactions in a real-time, online environment. Best of all, these transactions can be conducted from any computer with an Internet connection and a Web browser.
Merchants simply send Authorize.Net the information we need to process their transactions over a secure, encrypted Internet connection. Authorize.Net takes care of the rest on our sophisticated transaction processing system. That means businesses get all the advantages of our fast, reliable commerce servers; powerful databases; and fast, secure, leased-line connections to financial institutions right from their Web browser. All without the hassle, complexity, and expense normally associated with processing and managing payment on the Internet. For more information about this payment gateway, visit
http://www.authorizenet.com
Cardservice/LinkPoint Payment Gateway
Cardservice International's SSL API offers e-commerce Web site builders and providers an encrypted connection to our secure payment engine. All Cardservice International merchants receive the following benefits by using the LinkPoint Secure Payment Gateway technology: fraud screen of each transaction submitted and real-time reporting via their Web browser.
For the merchant who wants to get online fast with a limited start-up budget, Cardservice International is the best choice. If a merchant already has his or her own Web site and wants a secure, fast and reliable e-commerce software package, we also have the answer. For more information about this payment gateway, visit http://www.cardservice.com.
CyberCash Payment Services
CashRegister is the world's most widely used online secure payment service available today. Processing nearly 10 million transactions per month and growing at over 300% a year, CashRegister provides e-merchants with a high-speed, secure, and reliable online payment processing.
Regardless of your business size, CashRegister is affordable and proves to be - by PC Week Lab tests and by over 20,000 e-merchants - easy-to-install, easy-to-manage, and adaptable to any kind of e-business. For more information about this payment gateway, visit http://www.cybercash.com.
CyberSource ICSv2 Payment Services
Real-time credit card processing is fundamental to the operation of any efficient web business. CyberSource enables secure, reliable, real-time multi-currency credit card processing in local currencies worldwide.
All CyberSource Credit Card Services are:
- Reliable - CyberSource mission critical systems deliver maximum credit card processing uptime and quick, 3 second response--even during peak sales periods.
- Secure - CyberSource provides unparalleled processing security via use of industry standard DES and public key cryptography from RSA.
- Worldwide - CyberSource supports real-time international trade in over 150 currencies worldwide.
For more information, visit http://www.cybersource.com.
debit-it! - Full Service Online Electronic Check Processing (New in 4.13)
Debit-it, AmeriNet's basic on-line transaction technology, provides secure online checking account debit transactions that are as easy as paying with a credit card. It's designed for customers who don't have credit cards or who don't want to use their cards on-line for security or other reasons. In addition to benefits for the consumer, checking debits save companies money on transactional and administrative costs. Debit-it also gives companies confidence that a check will clear, through a rapid verification system that AmeriNet operates from a vast networking and database operation in its Clearwater, Florida facilities.
For more information, visit http://www.debit-it.com/miva
E-Commerce Exchange/QuickCommerce Payment Gateway
A powerful Internet based software tool that acts like a standard authorization terminal in a secure real-time environment. QuickCommerce is a complete secure transaction processing system. Merchants can use QuickCommerce to submit, authorize, capture, and settle credit card transactions without the need for separate transaction terminal or processing software. Credit card transactions are authorized in real-time (immediately upon submitting). Automated Clearing House (ACH) collections, also known as Electronic Checks, are also supported on the QuickCommerce system. For more information about this payment gateway, visit http://www.ecenow.com/.
eValuCheck (New in 4.13)
e-ValuCheck is the secure on-line paper check payment solution. This allows consumers to pay for purchases or fund accounts by paper check as well as being the ideal payment option for EBPP. e-ValuCheck provides savings and benefits to consumers, merchants, and their banks. For more information, visit http://www.evalucheck.com/info.html.
GlobalCommerce Payment Gateway
Merchant Commerce, Inc. a robust payment gateway, has been providing ecommerce solutions to web businesses since 1995. Our state-of-the-art technology allows merchants to accept credit card and electronic check transactions (ACH) via the Internet in a secure environment. The automated email receipt generator sends confirmation to both the merchant and customer for every completed order. Merchant Commerce, Inc.'s user-friendly reporting tools are unsurpassed in the industry. Merchants also have access to membership, recurring billing and sub-account capabilities. We provide a convenient virtual terminal for manual transactions, and every transaction is put through our extensive fraud screening process lowering the risk of fraud and charge backs. Merchant Commerce, Inc. is certified with the majority of bank authorizing networks allowing easy integration with merchant account providers and premiere shopping carts such as Miva.
For information about the GlobalCommerce Payment Gateway, contact Merchant Commerce, Inc. toll-free at 866-242-9933, option 1, fax at 310-826-0404, or via e-mail at customerservice@innuity.com.
For information, visit http://www.merchantcommerceinc.com.
ICSP (The Internet Cash Payment System): new in 4.15
The Internet Cash Purchase Systemsm (ICPSsm) allows your customers to shop on the Internet and pay for your goods and services using cash instead of a credit card. Whether your consumer uses cash by choice or necessity, shopping online at your website is made simple with ICPSsm.
For more information, visit http://www.icps.info/public/retz.asp.
Innovative Gateway Solutions (new in 4.13)
For information, visit http://www.innovativegateway.com/.
Lynk Internet Processing
Lynk is a proven leader in electronic payment, cash dispensing and e-commerce services. The company processes transactions initiated by credit and debit cards, checks, and other access cards from merchant point-of-sale terminals, ATMs and web sites. Lynk also provides related services such as the issuance of stored value cards that facilitate electronic funds distribution.
For more information, visit http://www.lynksystems.com/miva/.
Miva Payment
Miva Payment, a comprehensive Internet payment gateway service. Miva Payment is pre-configured to work seamlessly with Miva Merchant with no need for complex technical documentation, coding or testing. Miva Payment provides everything you need to process credit cards over the Internet including a virtual terminal, comprehensive reporting, and fraud screening services in an easy-to-use package. For information, visit http://www.miva.com.
Moneris e-SELECT Payment Service
Shopping cart cartridges allow merchants to integrate online payment with their commercial shopping cart software. The cartridges allow customization of the look and function of the online payment service.
For more information about this payment gateway, visit https://www.e-selectpayment.com/tech/ and click "Cartridges for Online Shopping Carts.
Paradata Payment Service
The core of Paradata's business is secure payment processing services. We offer payment solutions built on Paradata's advanced technology. These solutions are easy to integrate into virtually any webstore. We also partner with web hosting companies, web developers and manufacturers of store-building software and online shopping carts to offer complete eCommerce solutions.
Our advanced technology allows us to connect to any processor gateway worldwide, and is flexible enough to handle transactions sent from any platform -- internet, wireless, IVR, virtual terminal, etc. Paradata's architecture is adaptable and intuitive. It provides a framework for research and development of new payment methods, payment protocols and seamless payment technology. We provide fail-safe connectivity, high transaction volume capabilities and a reliable, proven track record.
Since consumer concern about the security of Internet transactions is a crucial issue facing eCommerce, Paradata has developed a system supporting both SSL and SET protocols. We provide the best available security technology in the Internet payment market using 128 bit encryption.
For information about this payment gateway, visit http://www.paygateway.com/mhp/index.html.
PayPal Instant Payment Notification (New in 4.14)
PayPal is an account-based system that lets anyone with an email address securely send and receive online payments using their credit card or bank account.
For information about this payment gateway, visit http://www.paypal.com.
PayQuake (formerly U.S. Merchant Systems )
It is a Real Merchant Account. 24/7 Customer Service. Direct Deposited Payments. FDIC Insured. Three Plans to Choose From. Switch Plans at Any Time - YOU ARE IN CONTROL! Fraud Protection. Available for POS and Internet Transactions. Electronic Check and Check Guarantee Optional
For information, visit http://www.payquake.com or http://www.infonox.com/.
R-P-G RODOPI Payment Gateway (New in 4.13)
R-P-G payment gateway is for businesses that demand very high security, fast processing, and a settlement guarantee of 72 hours, all at aggressive rates. Each transaction is sent using a Secured Virtual Network and only transactions originated from merchant IP address are validated, which is a very strong protection against hackers. R-P-G requires mixed-case non-intuitive passwords for all transactions, encrypts the password and never allows this to be viewed on html source code. R-P-G comes with all the features you will need to automate credit card processing, and gives you the control you need to track payments and customize reporting. R-P-G is easy to use, is fully integrated with Miva Software, as well as with Rodopi Billing Software, and is approved and certified by nearly all U.S. Banks.
For more information, visit http://www.r-p-g.com/miva or http://www.r-p-g.com/ecommerce-solutions.htm, or http://www.r-p-g.com/shopping-cart-users.htm
Verisign Payflow Link
Payflow Link provides an easy to use HTTP based solution that is ideal for businesses processing less than 1,000 transactions per month. Payflow Link is the solution of choice for merchants looking for a fast and easy way to conduct secure automated transactions over the Internet.
Payflow Link enables merchants to connect their consumers to a secure VeriSign-hosted order form and use it to automate order acceptance, authorization, processing, and the management of transactions. It's as simple as entering an HTML Hyperlink into your existing Web site.
Payflow Link is the choice for merchants who process low to moderate levels of orders, and prefer a solution that is especially easy to implement and maintain. Often, merchants find that they can payment-enable their sites with little or no assistance from a web developer.
For more information about this payment gateway, visit http://www.verisign.com/payment/.
Verisign Payflow Pro (PaymentNet)
For merchants requiring peak performance and complete customizability, Payflow Pro offers a seamless payment processing solution. Payflow Pro enables payment processing through the Payflow Pro client software. This software is a small SSL TCP/IP enabled messaging agent that controls communications between your application and the Payflow Platform. Designed for scalability and reliability, Payflow Pro creates a dedicated SSL TCP/IP level communication thread for each transaction between the client and the server.
This seamless payment processing solution gives you back-end connectivity to all leading payment processing networks and allows your Web site to support multiple payment types. Customize and integrate Payflow Pro to work with your existing Web site.
For more information about this payment gateway, visit http://www.verisign.com/payment/.
Payment Module Options
AVS support (Address Verification System)
The following payment gateways provide AVS support, which confirms the billing address (and zip code) the customer enters on the order form matches the address of the card holder on the credit card account: Rodopi, Innovative Gateway Solutions, E-Commerce Exchange/QuickCommerce 3.0 Payment Gateway, Authorize.Net Payment Services v3.0, CyberSource ICSv2 Payment Services, Verisign Payflow Link, and Miva Payment (new in MM 4.15). Set the options, if any, at the gateway.
Miva Payment (in Miva Merchant 4.15) also provides AVS.
CVV2 (Card Verification Value 2)
The value is a set of digits on the reverse side of the credit card, usually displayed following the last four digits of the account number. If the digits do not match the expected value, the authorization is declined. Payment gateways support CVV2 are: CyberSource ICSv2 Payment Services (4.14), Authorize.Net Payment Services v3.0 (4.14), U.S. Merchant Systems - Accept Major Credit Cards, and Miva Payment (new MM 4.15) provides CVV2.
The CVV2 values as passed to the gateway; they are never retained.
Electronic Check/Debit
The following payment gateways accept electronic checks or debit accounts: Authorize.Net Payment Services v3.0, e-ValuCheck, E-Commerce Exchange/QuickCommerce 3.0, GlobalCommerce, Verisign PayFlow Link.
Configure a Payment Gateway
Your Internet Hosting Provider may have setup your payment modules as part of the package you have purchased. If not, it is highly recommended that you use the Payment Configuration Wizard to add any payment module to your store.
Preparation
- Get a Merchant Account
- Getting your merchant account is relatively easy. All you need to do is inform your financial institution that you want to open a merchant account that can accept credit card payments from your payment gateway.Your financial institution will need to know what you are selling, and how and when your products or services are delivered.
- After you receive your merchant account, visit the website for the payment gateway for the latest information.
- Payment gateway customers must have a merchant account for processing their customers' credit cards. Some payment gateway companies also provide merchant accounts, or have affiliates that provide them.
- Select Your Payment Gateway
- You should take the time to visit all payment gateway websites, and select one that fits your unique needs. See "Payment Gateways" and " "Payment Module Options".
Note: Your Internet Host Provider must have the applicable files installed. Most payment modules use either a Commerce Library or OpenSSL files.
- Enter the Payment Gateway information using the Payment Wizard for the payment module you select. When you use the Payment Configuration Wizard, each payment module is configured properly and has been tested to work within Miva Merchant.
- Run tests to ensure your payment configuration has been set up properly.
Payment Configuration Form
- Check the Payment module(s) you want to assign to your store. (See an image of the form of the following page.)
- Click Update.
- The tabs (or links) for the Payment modules you selected display at the top of the form.
- Click the link at the top of the form and complete the selections. See the Payment Processing General Data, below.
Note: To sign up for Miva Payment (new in MM 4.15), select the Payment Configuration Wizard.
Payment Processing General Data
When you signed up with the Payment Gateway, you were given certain information. Typical types of information you enter include the following. Some payment gateways have less information.
- name (or account ID, site ID, or login) and password
- merchant id
- store name
- server name and port
- payment gateway secure URL
- Choice of Online (Automatic Capture) or Offline (Authorize Only, Capture Later)
- Whether or not to store the full credit card number
- a test mode, depending on the module can be selected:
- Configuration
- Enter the IDs and select the mode or option you want. Then, select the new tab (link) to make selections for that mode.
- Payment Methods
- A field to enter additional text you want to display to your customers on the Payment Information form. For example, PayPal Instant Payment Notification includes a field, Message, that displays on the Payment Information page.
If you are unsure about your selections, you should enter this information using the step-by-step Payment Configuration Wizard. Payment Gateway URLs
For descriptions about the Payment Modules and URLs for additional information, see "Payment Gateways" .
eValuCheck
URL to gateway: https://evalucheck.net/default
URL to gather merchant account data: https://evalucheck.net/read_merchant?
URL to update merchant account data: https://evalucheck.net/update_merchant?
URL to sign up for a merchant account:
https://evalucheck.net/merchant_app.html?iso=62112
You can create a pipe delimited flat file for eValuCheck, containing two URLs; one for information and one for sign up. Using the URLs from above:
http://www.evalucheck.com/info.html|https://evalucheck.net/merchant_app.html?iso=62112
Put the file in your mivadata directory.
R-P-G RODOPI Payment Gateway
URL to gateway: https://secure.rsb-gateway.com/gateway/rsb.dll?
debit-it! - Full Service Online Electronic Check Processing
URL to gateway for Primary Debit Mode D005: https://www.tssecure.com/tsscripts/D005.asp
URL to gateway for Check Guarantee Mode W002: https://www.tssecure.com/tsscripts/W002.asp
URL to gateway for authorize only Mode A002: https://www.tssecure.com/tsscripts/a002.asp
Innovative Gateway Solutions
URL to gateway: https://transactions.innovativegateway.com/servlet/com.gateway.aai.Aai
PayQuake (formerly U.S. Merchant Systems )
URL to gateway: https://transcps2.cpsmerchants.com
Miva Payment
Miva Payment is a comprehensive Internet payment gateway service. Miva Payment is pre-configured to work seamlessly with Miva Merchant. Miva Payment provides everything you need to process credit cards over the Internet including a virtual terminal, comprehensive reporting, and fraud screening services in an easy-to-use package.
Miva Payment can be used with an existing Internet merchant account, or you can apply for a new merchant account during the sign up process.
Sign Up
- To sign up for the Miva Payment, select the Payment Configuration Wizard.
Miva Payment fields
- Merchant ID: obtained when you sign up.
- URL:
- Currency for Transactions
- Store Entire Credit Card option
- Add New Certificate or Update Certificates
- Available Payment Methods
When you sign up through the wizard, a certificate is automatically generated, and you should see the button Update Certificates in the Miva Payment form. If you or your customer should ever see a message about an "Invalid Certificate" while completing the Checkout Process in your store, click the "Update Certificates" button. (These are stored in the directory "CyberSource" which is located under your Miva data directory.)
Test Mode
You choose test mode at the Miva payment Business Center site.
Miva Payment Business Center
Select the Miva Payment Business Center link under Order Processing to set up live mode, review your payment activity reports, search transactions, generate transactions through the Miva Payment Virtual Terminal.
A new browser window will open.
Verisign Payflow Link Configuration
- If you have not yet assigned Verisign Payflow Link to your store, see "Payment Configuration Form". See general information about "Verisign Payflow Link".
- At the top of the form, click the link Verisign Payflow Link.
- In the User ID field, enter your Verisign login id. (Do not enter your Miva Merchant login.)
- In the Password field, enter your Verisign password. (Do not enter your Miva Merchant password.)
- In the URL field, enter the following:
https://payflowlink.verisign.com/ payflowlink.cfm?LOGIN=YourLoginID&PARTNER=PartnerCode
- Replace "YourLoginID" in the URL with the User ID you entered in step Ý3.
- Replace "PartnerCode" in the URL with the Verisign assigned partner code. (You obtain this from the Verisign partner, or from Verisign directly.)
- Next to the Type of Transaction, select the capture type.
- Authorize Capture: authorizes the credit card and captures the funds immediately when the shopper submits the information during the checkout process.
- Authorize Only (Capture Later): only authorizes the credit card for the funds. It will be up to the merchant to log into the Verisign Manager to capture the funds.
- Next to Available Payment Methods, select the type of payment methods you are allowing shoppers to use. These must be set up with Verisign beforehand.
- Click Update.
Note: This completes the Miva Merchant configuration. However, you must also set up the Verisign Configuration.
- Complete the Verisign Manager configuration. See "Verisign Manager Configuration" .
Verisign Manager Configuration
The following steps to configure Verisign Payflow Link are provided as a convenience. You should check for Verisign documentation before making changes, in case of changes.
- Access the Verisign Manager at https://manager.verisign.com.
- Login. (This is your Verisign login and password.)
- Click the Account Info link.
- Click the Payflow Link Info link.
The following steps (Ý5 through Ý10) refer to the Form Configuration section.
- Next to Return URL Method:, select POST. (Only POST works.)
- Next to Return URL, enter the Secure URL to this Payflow Link file. (You can locate the secure URL in your Miva Merchant Administrative Interface, in the Domain Settings, Site Configuration.)
https://www.yoursecuresite.com/Merchant2/paylinki.mv (or .mvc)
- Change the first part of the URL (in bold) to your secure URL data.
- Next to Silent Post URL, check the box to enable it. Then, enter the secure URL to this Payflow Link file.
https://www.yoursecuresite.com/Merchant2/paylinkp.mv (or .mvc)
- Change the first part of the URL (in bold) to your secure URL data.
- Next to Force Silent Post Confirmation, check the box to enable it.
- Next to Failed Silent Post Return URL, enter a URL to display if the payment communication fails. You may want to point the user back to a specific location in your store that explains there is a problem.
- Next to Transaction Process Mode, select either TEST or LIVE, depending upon your current activities.
- TEST will not charge credit cards, and the test credit card numbers may be used.
- LIVE will authorize credit cards and funds can be captured.
- Modify other settings to suit your needs.
Verisign Payflow Pro (PaymentNet)
- If you have not yet assigned Verisign Pro (PaymentNet) to your store, see "Payment Configuration Form". See general information about "Verisign Payflow Pro (PaymentNet)" .
- At the top of the form, click the link Verisign Payflow Pro (PaymentNet) tab.
- In the User ID field, do not enter your Miva Merchant login.
- 4.10-4.13, enter: LoginID&VENDOR=LoginID&PARTNER=PartnerCode
- LoginID = Your Verisign Login ID
- PartnerCode = Your Verisign assigned partner code. (You obtain this from the Verisign partner, or from Verisign directly.)
- VENDOR = Currently, your Verisign Login ID
- 4.14 and above, enter: Login ID (the module for compiled MM has separate fields for Vendor and Partner.
- In the Password field, enter your Verisign password. (Do not enter your Miva Merchant password.)
- In the Host field, enter the appropriate URL (defined below), depending upon your current activities.
- For testing: test-payflow.verisign.com
- Using this URL will not charge credit cards, and the test credit card numbers may be used.
- For live orders: payflow.verisign.com
Note: Using this URL will authorize credit cards and charge credit cards. All live orders accepted through Miva Merchant using Payflow Pro must be processed from inside the Miva Merchant Administrative interface later.
- 4.14 and above: Enter the Vendor and Partner fields.
- If you are behind a proxy server of firewall, enter the appropriate data in the Proxy fields after consulting with your host provider and Verisign.
- When the field Store Entire Credit Card # is left unchecked, only a portion of the credit card number is stored in the Miva Merchant Administration. Unless there is a specific reason to change this, leave it unchecked.
- Next to Available Payment Methods, select the type of payment methods you are allowing shoppers to use. These must be set up with Verisign beforehand.
- Click Update.
Verisign Payflow Pro (PaymentNet) 4.14 and above
Note: If you have Miva Merchant 4.14 and your module does not include the vendor and partner fields, you should obtain the updated module from Miva.
Credit Card Numbers Testing Payment Configuration
You will want to test your payment configuration, including confirmation from your chosen payment gateway, before your customers use it. . Therefore, when you are in test mode, these are test credit card numbers to use:
| American Express |
341-1111-1111-1111
378-2822-4631-0005 |
(16 Digits) |
| Diner's Club |
|
|
| Discover |
6011-6011-6011-6611 |
(15 Digits) |
| JCB |
|
|
| MasterCard |
5431-1111-1111-1111
5555-5555-5555-4444 |
(16 Digits) |
| Visa |
4111-1111-1111-1111 |
(16 Digits) |
Miva Merchant 4.x Help