BlueSnap Payment Gateway for WooCommerce vs Checkout.com Payment Gateway

Why use the BlueSnap Payment Gateway for WooCommerce Accept all major debit and credit cards as well as Apple Pay, Google Pay and ACH Simplify your PCI compliance using our built-in Hosted Payment Fields. Your shoppers never leave your site while you maintain easy PCI compliance. Supports Strong Customer Authentication (SCA) with 3D Secure Identify and prevent fraud with built-in fraud protection from Kount Sell in 100 currencies Support for WooCommerce pre-orders Support recurring payments via WooCommerce Subscriptions A secure and frictionless checkout flow The BlueSnap Payment Gateway for WooCommerce uses our Hosted Payment Fields to provide you with a seamless, PCI-compliant checkout experience that works within any browser or device. Our Hosted Payment Fields silently collect your shopper’s sensitive payment data on BlueSnap servers without interrupting the checkout flow. Sell and settle in multiple currencies A simple way to help your shoppers complete their purchase is to offer your products in the currency of your shoppers. The BlueSnap Payment Gateway allows your shoppers to checkout in 100 different currencies and, as an added benefit, using the BlueSnap Payment Gateway gets you access to our connections to 30 global banks. When your shopper completes their purchase, BlueSnap paves the most efficient path to payment success by routing the transaction to the most appropriate local bank for your shopper, minimizing decline rates and maximizing revenue gains. Once the sale is complete and you need to get paid, BlueSnap works with you by offering the option to get money into your account in one of our 17 like-for-like payout currencies. Fraud Protection and 3D Secure The BlueSnap Payment Gateway offers Kount Fraud protection right from the plugin to best optimize the checkout flow. We also provide the option to select advanced fraud options if you want to customize your level of fraud screening. In addition, as you sell to shoppers around the world, you will likely run into a location where you are required to support a 3D Secure checkout experience. The BlueSnap Payment Gateway has built-in support for 3DS so you aren’t out of compliance in the regions where this is mandatory. Full support for Subscriptions and Pre-Orders The BlueSnap Payment Gateway provides support for WooCommerce Subscriptions, offering support for all of subscription features, including payment date changes, subscription date changes, and more. Note: The plugin doesn’t support multiple subscriptions in the same cart. The gateway also fully supports WooCommerce Pre-Orders, so you can take customer’s payment information upfront and then automatically charge their payment method once the pre-order is released. Recommended Versions We recommend that you use the following versions when using the BlueSnap plugin for WooCommerce. The plugin may work when using older versions of PHP and MySQL as well; however, the following versions have been tested to ensure compatibility. * PHP: 8.2 or later * MySQL: 8.0 or later * WordPress: 6.6 or later * WooCommerce: 10.0 or later * WooCommerce Pre-Orders: 2.2 or later * WooCommerce Subscriptions: 7.5 or later Software This guide assumes that you have: * A working WordPress platform WooCommerce is a WordPress plugin that is installed on top of the WordPress platform. If you do not yet have a working WordPress installation, you may want to contact your website hosting provider, as many of them supply a quick-install process for WordPress. WooCommerce software installed and uploaded to your server. If you need the plugin, go to: https://wordpress.org/plugins/woocommerce/ or to http://www.woothemes.com/woocommerce/ to download the WooCommerce plugin. If you want to use the Pre-Orders or Subscription functionalities, make sure that the respective plugins are also installed in your WordPress website: Pre-Orders: http://www.woothemes.com/products/woocommerce-pre-orders/ Subscriptions: http://www.woothemes.com/products/woocommerce-subscriptions/ PCI compliance A PCI compliance of SAQ-A is required. Setup Steps Step 1: Configure your BlueSnap account settings Before you install the BlueSnap extension, complete these steps in your BlueSnap account: 1. Set up your BlueSnap API Credentials(https://developers.bluesnap.com/v8976-Basics/docs/api-credentials). Make note of your API user key and password; you need them in later steps. Define the authorized IP address for your server. Configure your payout settings (https://support.bluesnap.com/docs/payout-method). Step 2: Install the plugin Install the BlueSnap Payment Gateway plugin, as follows: 1. In WordPress, click Plugins > Add New in the left menu. Search for BlueSnap in the search box in the top-right side. Click the BlueSnap Payment Gateway for WooCommerce plugin and install it. Click Plugins > Installed Plugins in the left menu. In the installed plugin screen, activate the following plugins, in this order: WooCommerce WooCommerce Subscriptions (optional) WooCommerce Pre-Orders (optional) BlueSnap Payment Gateway for WooCommerce Important If these are not activated in the specified order, the installation will not complete properly. Step 3: Set the Default Currency Configure the default currency settings for WooCommerce by completing the following steps: 1. Go to WooCommerce > Settings > General. Scroll down to Currency Options and set the values as necessary. Click Save Changes. Step 4: Configure the plugin Configure the BlueSnap plugin using the following steps: 1. Click the Settings link below the BlueSnap plugin. The BlueSnap page opens. Configure the following settings. Note: You can find your BlueSnap information (API credentials, Merchant ID, and more) for the following settings in your BlueSnap Merchant Console in Settings > API Settings. Enable/Disable — Select Enable BlueSnap. This means that BlueSnap appears as a payment option during checkout. Test mode — Select Enable Test Mode to use your BlueSnap Sandbox account, select the Enable Test Mode option. Leave the option cleared to use your BlueSnap Production account. Title — By default, this is Credit/Debit Cards. This label is presented to the shopper when they choose a payment option during checkout. Description — By default, this is Pay using your Credit/Debit Card. This describes the payment method during checkout. API User Key and API Password — Enter your API User Key and Password for your BlueSnap account. Use your sandbox credentials if you chose Enable Test Mode above. Use your production credentials if you did not chose Enable Test Mode above. Merchant ID — Enter your Merchant ID number from your BlueSnap merchant account. Note: Use the Merchant ID from you sandbox or production environment, as applicable. They are different. Soft Descriptor — Enter a string, no more than 20 characters in length. This descriptor appears on the shopper’s billing statement to help them identify the purchase. You should use the same soft descriptor set in your BlueSnap Console. Webhook (IPN) configuration — Copy the URL from this section and use it for the Webhook Setup section below. Security Header — Enter the Security Header secret generated for the Endpoint in your BlueSnap Console -> Settings -> Webhook Settings. Webhook notifications will be rejected until this is configured. Capture — Whether or not to immediately capture the charge. When unchecked, the charge issues an authorization and will need to be captured later. This setting has no effect on subscriptions. Charges on orders related to subscriptions are always captured. 3D Secure — If you want to offer 3-D Secure, contact BlueSnap Merchant Support and ask for 3-D Secure to be enabled for your account. After that is done, you can select this option to activate 3-D Secure. For more information on 3-D Secure, refer to our 3-D Secure Guide (https://support.bluesnap.com/docs/3d-secure). Saved Cards — Select this if you want to give logged-in shoppers the option to store their credit card details for future purchases. They can manage their information from their My Account area. BlueSnap currency converter — BlueSnap works with many currencies (see a complete list at https://support.bluesnap.com/docs/currencies). The BlueSnap plugin for WooCommerce includes a built-in currency converter that you must configure in order to enable successful purchasing via BlueSnap. Select this option to use the converter. Select the currencies to display in your shop — Select all the currencies your WooCommerce store supports. Google Pay Wallet — If you want to offer Google Pay as a payment method for your shoppers, contact BlueSnap Merchant Support and ask for Google Pay to be enabled for your account. After that is done, you can select this option to allow shoppers to pay with Google Pay. Google Merchant ID — Enter your Google Business Merchant ID. Request for Google Pay production access [here]. Google Pay won’t be available in production mode until you enter the merchant ID. Apple Pay Wallet — If you want to offer Apple Pay as a payment method for your shoppers, contact BlueSnap Merchant Support and ask for Apple Pay to be enabled for your account. After that is done, you can select this option to allow shoppers to pay with Apple Pay. Logging — Select the Log debug messages option to have communications between WooCommerce and BlueSnap recorded in the process log files. We recommend using this option during the development of your site or if you are experiencing any problems. To access process logs for the BlueSnap plugin, go to WooCommerce > Status and click the Logs tab. Click Save Changes. If you would like to accept ACH payments, enable this feature by going to WooCommerce > Settings > Payments and setting the BlueSnap ACH toggle to enable. Click Save Changes. Important If you plan to offer ACH as a payment method for subscriptions, please note: You will need to contact Merchant Support to have this feature enabled. ACH is not supported for subscriptions with daily billing, as banks take several days to authorize these charges. Step 5: Secure checkout Ensure that you are using secure checkout by completing the following steps. 1. Go to WordPress > Settings > General. In the following URL fields, make sure that the URL begins with https://: WordPress Address (URL) Site Address (URL) Step 6. Webhook Setup Webhooks (IPNs) trigger an HTTP POST message to your WooCommerce account when an important event occurs. Follow the steps below to set up Webhooks. Log in to your BlueSnap account and go to Settings > Webhook Settings. Update the Endpoint URL(s) field. The format of the URL should follow this pattern: https://www.yourdomain.com/?wc-api=bluesnap In Security Header, toggle Add Security Header to the right to generate a unique encryption key that you can use to validate your webhook. Copy the value of the Security Header and paste it in the Security Header field in the plugin setting’s page. To enable specific Webhooks, toggle the button next to the Webhook to select it. We recommend enabling the following Webhook types: AUTH_ONLY CANCEL_ON_RENEWAL CANCELLATION CANCELLATION_REFUND CHARGE CHARGEBACK CHARGEBACK_STATUS_CHANGED CONTRACT_CHANGE DECLINE FAILED_PAYOUT_TRANSFER RECURRING REFUND SUBSCRIPTION_REMINDER If you plan to offer ACH as a payment method for subscriptions, make sure to select the Subscription Charge Failure Webhook. Click Save. For more information on Webhooks, refer to our Webhook documentation. Step 7: Crontab Setup We recommend that you add a line to your crontab. The crontab is an application that runs in the server operating the WordPress application, and is in charge of periodic actions. It ensures that subscriptions continue to charge on time even if your WooCommerce store has no traffic, stores automatic renewals, and handles pre-orders. The crontab file is available to you in most UNIX/Linux based machines, and often can be found in /var/spool/cron. If you are not sure where your crontab file is, reach out to your IT team or hosting provider for more details. You should add the following line to your crontab file: */15 * * * * {wget path} -q -O – {Web domain of your WooCommerce Store}/ wp-cron.php?doing_wp_cron For example: */15 * * * * /usr/bin/wget -q -O - http://shoppingcarts.bluesnap.com/wordpress/wp-cron.php?doing_wp_cron If you have multiple WooCommerce Stores running on the same server, you should add this line for each one of them. Note: */15 makes the crontab run every 15 minutes. You can use this to change the cron frequency. For additional help, contact BlueSnap Merchant Support (https://bluesnap.zendesk.com/hc/en-us/requests/new?ticket_form_id=360000127087). Styling your payment form BlueSnap supports the ability to customize the card elements (such as text color or font size) of the payment form. To do this, edit the BlueSnap plugin’s JavaScript by creating a bluesnapStyleOverrides object that contains your styling. See Supported selectors and Supported CSS properties for details https://developers.bluesnap.com/v8976-Tools/docs/hosted-payment-fields#section-supported-css-properties. Use the code below as a starting point. const bluesnapStyleOverrides = { '.invalid': { //style all invalid elements color: 'red' }, '.valid': { //style all valid elements color: 'green' }, ':focus': { //style all elements on the focus event color: 'orange' }, '#ccn': { //style only the card number element color: 'blue' }, '#cvv': { //style only the CVV element 'font-size': '30px' } }; Customizing error messages BlueSnap allows you to customize the messages of any errors that occur, giving you full control over the error descriptions that display in the UI or in error logs. To use this feature, you will need to add custom code to your WooCommerce account. We recommend using a plugin such as Code Snippets to accomplish this. Use the code sample below as a starting point. You can change error descriptions and add/remove errors from the code below. add_filter( 'wc_gateway_bluesnap_api_errors', function ( $errors ) { $errors = array( '10000|INVALID_API_VERSION' => __( 'API version is not correct...', 'woocommerce-bluesnap-gateway' ), '10001|VALIDATION_GENERAL_FAILURE' => __( 'This is a val.gen. failure error.', 'woocommerce-bluesnap-gateway' ), '14002' => __( 'This is the new error message for 14002', 'woocommerce-bluesnap-gateway' ), '14002|SYSTEM_TECHNICAL_ERROR' => __( 'This is the new error message for 14002|SYSTEM_TECHNICAL_ERROR', 'woocommerce-bluesnap-gateway' ), '14016' => __( 'This is the new error message for 14016', 'woocommerce-bluesnap-gateway' ), ); return $errors; } ); Managing orders If card charges are not automatically captured, they will result in authorizations that need to be captured later. For example, if you sell physical goods, you will need to capture the authorization when the items are ready to be shipped out. Orders can be conveniently managed from your WooCommerce account by following these steps: 1. Go to WooCommerce > Orders and click the order that you want to manage. The order’s status will be On hold. Note: ACH charges will also have a status of On hold. You don’t need to capture these charges. 2. In the Status dropdown, select one of the following: If you want to capture the authorization, select Processing or Completed. If you want to cancel the authorization, select Cancelled. Tips for Checkout – Don’t remove the Company Field since it’s a required field for ACH Corporate Accounts. – Consider adding the Store Notices block to your Checkout page if you are using the block Checkout and your theme is not a blocks based theme.

Fast Checkout with Checkout.com FLOW – Deliver lightning-fast checkout experiences with Checkout.com FLOW, our modern payment solution that reduces friction and increases conversions. Checkout.com helps your business offer more payment methods and currencies to more customers. We combine gateway, international acquiring, and payment processing services, all through one integration with WooCommerce. The Checkout.com plugin for WooCommerce allows shop owners to process online payments through the Checkout.com Payment Gateway. This plugin offers multiple payment modes including FLOW for fast checkout and is maintained by Checkout.com. Card Payments with FLOW Checkout.com FLOW provides fast, secure checkout with an embedded payment form. Shoppers complete payments without leaving your website. The FLOW payment form is cross-browser and cross-device compatible, accepting payments from all major credit cards. FLOW features include: Fast Checkout – Streamlined payment flow that reduces cart abandonment Saved Cards – Securely save payment methods for instant future checkouts 3D Secure – Built-in 3DS authentication for enhanced security Real-time Validation – Instant card validation before order submission Modern UI – Responsive payment forms for all devices Alternative Payments Users can place orders with alternative and local payment options: Alipay (China & Hong Kong), Alma, Bancontact, Benefit, Dana, EPS, GCash, Ideal, Kakaopay, Klarna, KNet, MBWay, Multibanco, P24 (Przelewy24), QPay, SEPA (WooCommerce subscription compatible), STCPay, Tabby, Tamara, TNG, TrueMoney. Digital Wallets Google Pay – Fast, secure checkout with one tap Apple Pay – One-tap checkout on Apple devices PayPal – Standard and Express checkout support Express Checkout Users can place orders with PayPal, Google Pay, and Apple Pay Express checkout on product pages, shop pages, and cart pages without going through the full checkout process. Express checkout options appear in a unified container when enabled. Additional Features MOTO Payments – Process Mail Order/Telephone Order payments Recurring Payments – Full support for subscriptions with SEPA Direct Debit compatibility Saved Cards – With FLOW integration, saved cards enable instant checkout for faster payments WooCommerce Invoicing – Send invoice emails to customers for payment Features FLOW Integration – Fast, secure checkout with Checkout.com FLOW Credit Cards, Google Pay, Apple Pay, PayPal 150+ currencies, 60+ countries supported WooCommerce Subscriptions compatible Webhook processing with queue system Automatic order status updates Contact us at: [email protected] Contributors & Developers “Checkout.com Payment Gateway” is open source software. The following people have contributed to this plugin.