Connecting Payment Gateways

To use a payment gateway for making and receiving payments in Xoro, it is essential to connect to the payment gateway first. In XoroERP system, you can manage all your payment-related services from the “Manage Credit Card Payment Services” module. This module allows you to connect to a payment gateway and set up the payment accounts for the gateways.

To connect to a payment gateway, you require the login credentials for the gateway. After you have logged in and connected to the payment gateway, you can go ahead and set up the bank accounts. You can add multiple accounts of different currencies to a payment gateway.

Xoro supports the following 5 Payment Gateways:

1. Stripe
2. Moneris
3. Authorize.Net
4. Global Payments
5. XoroPay

Let's see how you can connect to these gateways.

To connect to the payment gateways, go to Menu > Utilities > Manage Credit Card Payment Services

Stripe

• In the Manage Payment Services module, under the “Add Services” tab, hit "Connect" against the “Stripe” Payment Gateway.
• Enter the" Account Name" and hit "Connect".
• You will be navigated to the Stripe website. Sign in if you have an Account created with Stripe or fill in the details to create an Account.
• Once Stripe is integrated into Xoro, it will be shown under the “Active Services” section.

Cards Accepted by Stripe: Stripe supports several card brands, from large global networks such as Visa and Mastercard to local networks like Cartes, Bancaires in France or Interac in Canada. When you integrate Stripe, you can begin accepting a diversity of card brands including:

• American Express: All countries
• Discover & Diners: Canada and United States
• Japan Credit Bureau (JCB): Australia, Canada, Japan, New Zealand, and the United States
• Mastercard: All countries
• Visa: All countries

Moneris

• In the Manage Payment Services module, under the “Add Services” tab, hit "Connect" against the “Moneris” Payment Gateway.
• Sign in if you have an Account created with Moneris or fill in the details to create an Account.
• Once Moneris is integrated into Xoro, it will be shown under the “Active Services” section.

Cards Accepted by Moneris: Visa, Mastercard, American Express, and Discover.

Authorize.net

• In the Manage Payment Services module, under the “Add Services” tab, hit "Connect" against the “Authorize.net” Payment Gateway.
• Sign in if you have an Account created with Authorize.Net or fill in the details to create an Account.
• Once Authorize.net is integrated into Xoro, it will be shown under the “Active Services” section.

Cards Accepted by Authorize.net:

• American Express: All countries
• Discover & Diners: Canada and United States
• Japan Credit Bureau (JCB): Australia, Canada, Japan, New Zealand, and the United States
• Mastercard: All countries
• Visa: All countries
• EnRoute
• eCheck.Net
• Paypal

Global Payments

• In the Manage Payment Services module, under the “Add Services” tab, hit "Connect" against the “Global Payments” Payment Gateway.
• Sign in if you have an Account created with Global Payments or fill in the details to create an Account.
• Once Global Payments is integrated into Xoro, it will be shown under the “Active Services” section.

Cards Accepted by Global Payments: Visa, Mastercard, Amex, Union Pay, Discover, JCB.

XoroPay

XoroPay is XoroERP's integrated payment processing solution, enabling businesses to securely accept Credit Card and Direct Debit (ACH) payments. It streamlines payment collection by allowing customers to pay online while helping businesses automate payment processing and maintain accurate payment records.

Once connected, XoroPay can be used to:

• Process Credit Card payments for Customer Deposits and Invoice Payments.
• Process Direct Debit (ACH) payments for Customer Deposits, Sales Orders, and Invoice Payments.
• Send secure Payment Links to customers for online payments.
• Save customer payment methods for future transactions (Credit Card).
• Configure customer mandates for automated Direct Debit (ACH) payments.
• Automatically process Direct Debit payments based on customer payment terms.
• Track payment status and transaction history through the Payment Process Logs and relevant transaction centres.

Note: XoroPay currently supports USD transactions only.

In the Manage Payment Services module, under the Add Services section, click Connect against XoroPay.

Provide the required account details, including the Account Name, API Key, and Account Currency, and then click Connect.

Once the connection is established, XoroPay will be listed under the Active Services section. You can then link your payment account and optionally configure XoroPay as the default payment processor for processing Credit Card or Direct Debit (ACH) transactions within XoroERP.

After connecting the service and linking a payment account, XoroPay can be configured as the default payment processor and used throughout XoroERP for secure payment processing.

For detailed configuration steps, customer mandate setup, payment processing workflows, and payment link configuration, refer to the dedicated XoroPay documentation.

You can connect more than one Payment service with Xoro, depending on the Currency to be used.

Setting up Payment Accounts

After connecting the gateways, the next step is to set up the payment accounts to enable card processing. Please follow the steps mentioned below to set up payment accounts.

• Click on the "Link Xoro Bank Accounts" against the payment gateway for which you want to set up payment accounts.

• In the Setup Payment Accounts page, select the Account and Currency, and click "Add" to add the bank account.

  
• Link the currencies that you have in Stripe to your Bank Account in Xoro.

  
• You can add multiple bank accounts and select one of them as the Default Account, and then click "Set Default" to complete the process.

  

You are now ready to process the Cards in Xoro.

Default Payment Gateway

If you have connected multiple payment gateways, you can set one as the default gateway. So, every time you make a payment, the default payment gateway will be automatically selected.

To set a gateway as default, in the "Active Services" section, go to Options > Set as Default.

Processing Fees and Discounts

XoroERP allows you to configure payment processing fees or discounts directly for your Credit Card, Direct Debit (ACH), and Payment Method services. Once configured, the applicable fee or discount is automatically calculated during payment processing and added to the transaction without requiring any manual intervention.

To configure a fee or discount:

1. Open the Manage Credit Card Payment Services module. Click the Options dropdown menu, and then select Manage Charges.

1. In the Add Charges window, configure the following details:

• Charge Type: Select whether the charge should be applied as a Fee or a Discount.
• Charge Value Type: Specify whether the charge should be calculated as a Flat amount or a Percentage.
• Charge Value: Enter the fee or discount amount.
• GL Account: Select the General Ledger account where the charge will be posted.

1. Click Save to store the charge configuration.

1. Once a fee or discount is configured for a payment service, XoroERP automatically applies it during payment processing. In the Invoice Payment module, select a Credit Card payment method, enable the Process Card option, and choose the payment service with the configured charges.
2. The applicable processing fee or discount is automatically calculated and displayed in the Charge Amount field for the selected invoice.

1. After the payment is processed, open the corresponding invoice to view the applied charges under the Fees & Discounts tab.