XoroPay
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XoroPay is a robust payment processing platform designed to streamline and automate transactions for businesses. It supports both Credit Card and Direct Debit (ACH) payments, offering a smooth and efficient payment experience. Whether you are processing customer deposits or managing invoice payments, XoroPay guarantees a secure and seamless transaction process for both businesses and their customers.
Credit Card Payments: Customers can pay securely using their credit cards.
Direct Debit (ACH Payments): This method allows businesses to collect payments directly from a customer's bank account, saving time and effort while ensuring recurring payments are automated.
To begin using XoroPay, you must first add and configure the service for your account. Below are the steps to connect and set up XoroPay for Credit Card and Direct Debit payments.
To use XoroPay as your payment processor, follow the steps below to connect and configure the service.
Navigate to Menu > Utilities > Manage Credit Card Payment Services.
In the Add Service section, locate the "XoroPay" option and click Connect.
Enter the required details in the form:
Account Name: Assign a recognizable name to your XoroPay account.
Fuze Account ID: Enter the account ID assigned to your XoroPay account.
Account Currency: Select the account currency. (Currently, XoroPay supports USD only.)
Click Connect to establish the connection.
Once connected, the XoroPay account will appear under the Active Services section.
Under the Active Services section, click Link Bank Account against the XoroPay service.
In the Setup Payment Accounts modal:
Enter the Account and Currency details.
Click Add to add the bank account to XoroPay.
Click Set As Default to designate XoroPay as the default payment processor.
Once the XoroPay account has been connected, users can use the XoroPay payment processor to make payments via credit card.
To use direct debit, you must configure direct debit and set up a customer mandate, which authorizes the bank to deduct payments from the customer's account.
Here's how to connect XoroPay for direct debit:
Navigate to Menu > Utilities > Manage Direct Debit Payment Services.
In the Add Service section, locate the "XoroPay" option and click Connect.
Enter the required details in the form:
Account Name: Assign a recognizable name to your XoroPay account.
XoroPay Account ID: Enter the account ID assigned to your XoroPay account.
Account Currency: Select the account currency. (Currently, XoroPay supports USD only.)
Click Connect to establish the connection.
Once connected, the XoroPay account will appear under the Active Services section.
Under the Active Services section, locate the XoroPay service and click Link Bank Account.
In the Setup Payment Accounts modal:
Enter the Account and Currency details for the bank account you want to link.
Click Add to add the bank account to XoroPay.
Optionally, click Set As Default to make XoroPay the default payment processor.
Now that XoroPay is connected, you can begin setting up customer mandates for automated direct debit payments.
After connecting XoroPay for direct debit services, the next step is to set up the customer in the system for XoroPay payment services. Here is a step-by-step guide on how to set up customers for Direct Debit service with XoroPay:
Go to the Customer Centre and open the Customer for whom you want to set up the Direct Debit service.
Go to Options > Send Direct Debit Setup Request.
In the "Send Direct Debit Setup Request" popup, select "XoroPay" as the "Direct Debit Service" ans click "Send". This action will trigger an email request to the customer, asking them to authorize the Direct Debit service.
You can also send the Direct Debit Setup Request to bulk Customers from the Customer Centre. To do that, select the Customers in the Customer Centre and then go to Options > Send Direct Debit Setup Request(s).
In the next phase of the process, customers will need to follow a few simple steps to set up their direct debit payment details.
The Customer will receive an email containing a link to “Start Setup”.
By clicking on the link, they will be directed to the mandate form where they can input their bank details and contact information.
After filling in the details, click on “Continue” to set up the direct debit.
Once the setup is complete, a new entry with a unique ID will be generated for that mandate in the “Customer Direct Deposit Centre” for the Customer.
The "Bank Ref#" column in the centre specifies the direct debit payment account number associated with the customer.
With a customer's mandate in place, you can set them up for automatic direct debit payments. Here's how:
Go to the "Payment" tab in the customer’s details.
Set "Interac Debit" as their "Default Payment Method".
Enable the "Auto Process Payment" checkbox. When this is selected, the system will automatically process the payment via direct debit after the order is shipped, based on the customer's pre-defined payment terms.
Finally, from the "Payment Direct Debit Account" dropdown to select the account from which payments should be processed.
Select "Update" to apply the changes.
Please Note: For every Customer, the mandate needs to be set up only once.
Once your XoroPay payment gateway is connected, you can process the credit card payments in Xoro. You can process the credit cards to make an invoice payment or record a customer deposit.
You can process customer deposit payments via XoroPay in two primary ways:
Customer Deposit Module
Users can use XoroPay to make payment the through credit card while recording customer deposit in the customer deposit module. To record the payment, follow the steps below:
Navigate to the Customer Deposit module and enter the store and customer details.
In the "Payment Method" field, select the credit card option. Upon selecting, the “Process Card” checkbox is displayed beside the payment method field.
To process the payment, select the “Process Card” option. On selecting this option, the system will prompt you to enter the following credit card details:
Payment Service Account: Select the payment processor service account. Select XoroPay here. Please note that if there is only one payment service provider added on your instance, this option will not be available.
Name on Card: This field allows you to enter the name on the card.
Card Number: Enter the credit card number.
Expiration Date: Specify the expiration date of the credit card.
Card CVV: Enter the CVV mentioned on the credit card.
Save card details for future payment(s): Select this option to save the card for future payments. If this option is selected, the card details are saved and the next time you make the payment from credit card you can just select the card and would not need to enter the card details again. Please note that you still have the option to enter the details for another card even if a card is saved.
After entering the details, click “Confirm” to save the card details for processing.
Fill in the rest of the details for the customer deposit and click “Save” to record the customer deposit.
Once the customer deposit is recorded, the credit card will be charged.
Customer Deposit Payment Link
One of the most convenient ways to process credit card payments via XoroPay is by sending customer deposit payment links to your customers.
Sending a payment link to your customers allows them to enter their credit card information and complete the payment independently. This method offers flexibility and ease of payment.
To utilize this method, please make sure that XoroPay is set as the “Default” credit card payment service in the “Manage Credit Card Payments” module.
You can process invoice payments in Xoro via XoroPay in two primary ways:
Sending Invoice Payment Links Customers can make credit card payments for invoices through XoroPay, similar to processing customer deposit payments. You can send invoice payment links to your customers, enabling them to securely enter their credit card details and complete the payment on their own.
To utilize this method, please make sure that XoroPay is set as the “Default” credit card payment service in the “Manage Credit Card Payments” module.
Paying Directly in the Invoice Payment Module Alternatively, you can process credit card payments directly within the Invoice Payment module of Xoro. To pay an invoice within Xoro:
Navigate to the Invoice Payment module.
Select a 'Credit Card' in the payment method field.
Click on "Process Card" and you will be navigated to the "Credit Card Payment" screen.
At this point, you'll see the default “Payment Service Account.” If necessary, you can select a different account from the dropdown menu.
Fill in the card details and click "Confirm". Click on "Save card details for future payment(s)" to save the card details for future payments. If any credit card(s) are saved with the Customer, you can choose one to autofill the “Card Details”.
Click on "Pay" to complete the payments.
These options provide flexibility for both businesses and their customers, ensuring a seamless payment experience.
Once your XoroPay payment gateway is successfully connected and the customer mandate has been established, you can efficiently process direct debit payments within the Xoro system. This functionality allows you to utilize direct debit for making invoice payments or recording customer deposits seamlessly.
Users can use XoroPay to make direct debit payment while recording customer deposit in the customer deposit module. To record the payment, follow the steps below:
Navigate to the Customer Deposit module and provide the store and customer details.
Select "Interac Debit" as the payment method. If Interac Debit is already set as the default payment method, it will be automatically selected.
Select the "Direct Debit" checkbox next to add account details. Click on the "Pencil" icon to edit the details.
The system will prompt you to provide:
Direct Debit Service: Choose "XoroPay" as the payment service.
Direct Debit Account: Select the bank account to process the payment.
Click Confirm to save the direct debit details.
Fill out the remaining fields in the customer deposit form and click Save to record the deposit.
If Interac Debit is set as the Default Payment Method for the customer, users can set up to pay for an order by selecting the option to automatically process direct debit payment option when creating the sales order.
When you select the customer in a sales order, the Auto Process Direct Debit option will be available near the "Select Customer" field, along with the direct debit account.
This option will be selected by default and the direct debit payment account will be displayed beside it. Once the invoice is generated, the payment amount is automatically deducted from the customer’s account, and the invoice is marked as paid.
If the Auto Process Direct Debit option was not enabled during sales order creation, you can manually process the payment in the Invoice Payment module.
Steps to Process Direct Debit Payments for an Invoice
Navigate to the Invoice Payment module.
Select "Interac Debit" as the payment method.
Check the Direct Debit checkbox and enter the required details in the "Direct Debit Payment" modal:
Direct Debit Service: Select "XoroPay" as the payment service.
Direct Debit Account: Choose the bank account to process the payment.
Click "Confirm" to save the direct debit details.
Click "Pay Invoice" to complete the transaction.
Upon completing the payment processing, the status of the payment can be viewed in several places:
Respective Centre: Relevant information regarding the payment status will also be available in the respective centre, ensuring that all necessary parties are informed.
Payment Process Logs Module: Detailed logs of the payment process, including status updates, can be accessed through the Payment Process Logs module, offering a comprehensive view of all transactions.
