Copyright 2019 Absorb Software Inc.

Payment Gateway Setup

Payment Gateway
Setup Guide
Updated April 2019

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Please Note: This guide does not cover all of the 100+ payment gateways that we
support, only our most common ones. Should you need assistance setting up a
gateway that is not on the list below, please reach out to our support team for help

Contents
Authorize.net .................................................................................................................................................................... 3
PayPal Payflow Pro ....................................................................................................................................................... 6
PayPal Payments Pro ..................................................................................................................................................11
Moneris – U.S & Canada ............................................................................................................................................13
Cybersource.com ..........................................................................................................................................................14
Bambora (formerly Beanstream) - Canada ............................................................................................... 15
Stripe .................................................................................................................................................................................... 16
Braintree Payments - EU ........................................................................................................................................ 18
WorldPay - EU ................................................................................................................................................................ 19

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Authorize.net
Setting Up Authorize.net for Absorb LMS

1. Set up an Authorize.net account

2. Log into your Authorize.net account
3. Under your Account settings, click on Settings
4. Under “Security Settings”, choose “API Login ID and Transaction Key”
5. Here you will be required to obtain a Transaction Key by answering your security
question.
6. Acquire your Authorize.net API ID. If one is not visible (which is sometimes the case),
you can use your Authorize.net login username in its place.
7. Set the live/test radio button selection to Live (unless you're setting up your own test
account).
8. Enter these two values, Transaction Key and API ID (or Authorize.net login
username), found under the “Payment Gateways” tab on the “Manage E-Commerce
Settings” page.
9. Test to ensure transactions are being accepted and no errors re
10. If you're doing international sales, make sure you configure your AVS settings, as
described below.

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TURNING OFF YOUR AUTHORIZE.NET EMAIL RECEIPT

Since Absorb is (usually) sending your customers their email receipt, you will most likely
want to disable Authorize.net's email receipt. In “Settings” → “Email Receipts”, uncheck the
checkbox under “Enable Email Confirmation”.

CONFIGURING YOUR AVS (ADDRESS VERIFICATION SERVICE)

RESPONSES

Once you're set up your Authorize.net gateway, review your AVS settings. It's in
Settings → Address Verification Service.

Many non-US banks don't support AVS, and Authorize.net's default settings reject cards
from banks that don't support it. This may not be the behavior you want, and if you
leave it as is, you'll likely be rejecting many international orders.

If you're not a high-risk target for fraudulent orders you can uncheck most of the
checkboxes. Many merchants leave “B” as the only box checked and don't have issues,
though checking B, E, R, and N is probably a good ideaIf you anticipate many
international orders, you'll likely want to relax the AVS settings significantly. More
on Authorize.net's FAQ.

If you are a high-risk target for fraud, or you're experiencing a lot of it, you may want
to check B, E, R, U, S, and N, and give serious consideration to G.

Testing

OBTAINING A TEST ACCOUNT

You can use the Absorb LMS test gateway option for testing (in your “Payment
Gateway” settings). When the “Live Gateway” toggle is disabled, all transactions will be
sent as test transactions and the credit card will not be charged.

If you'd like to set up your own test Authorize.net account, set it up here. After creating
the account and receiving your test credentials, select the “Live Gateway” toggle and
ensure it is off in your “Payment Gateway” tab under “Manage E-Commerce Settings”,
then use your own test server API ID and transaction key.

You can also test with your live account. Go to your Authorize.net account
and enable test mode there.

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TEST CARD NUMBERS

While you're using a Test Authorize.net Server you can run test transactions using the
test card number 4111111111111111, with any expiration date in the future and any 3
digit CSC number.

Troubleshooting & Interpreting Response Codes

Response Reason Codes and Response Reason Text is the authoritative source for
descriptions and explanations of Authorize.net reason response codes.

Response Reason Code: 103

The response code of 103 generally points to the credentials entered into your store's
payment settings on the Absorb LMS “Payment Gateways” tab under “Manage E-
Commerce Settings” not correctly matching your Authorize.Net account. You will want
to review the integration steps at the top of this page to confirm that your APP Login ID
and your Transaction Key correctly match between your Authorize.Net account and the
payment settings for your Absorb LMS store.

Response Reason Code: 87

If you get the “Transactions of this Market Type cannot be processed on our system”
error (code 87), it probably means you should change the “Market Type” field's value in
the “Merchant Profile” to “eCommerce”. You will have to contact Authorize.net support
to change it. http://www.authorize.net/support/

Important Notes and Caveats

Be sure to review your AVS settings, as they may be overly restrictive by default for
merchants doing international transactions.

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PayPal Payflow Pro

Setting Up PayPal Payflow Pro for Absorb LMS
CHOOSING THE CORRECT USERNAME
PayPal gives you the option to setup additional usernames within one Merchant Account, if
you use these options it is critically important that you select the right User Login Name to
use with Absorb LMS.
From the PayFlow administration, go to “Account Administration” > “Manage Users”. Within
the list of users, find the user you want to use for payments from Absorb LMS. There may
only be one user listed here. Click the link in the “User Login” column for the user you want
to use:

On the following screen, look for the “User Login Information” section. Within that, you'll
reference a few settings to use in your Absorb LMS payment settings:

• “Partner” into the “Partner” field

• “Merchant Login” into the “Merchant Login Name” field
• “User Login Name” into the “User Login Name” field

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If you haven't created any additional users, the Merchant Login and the User Login Name
values may be matching.

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Important: Make sure that the User Login that you use is ACTIVE.

CHOOSING THE CORRECT PASSWORD

While the password that lets you into manager.paypal.com can be the same as your
transaction password, it often is not. It is especially confusing because the Merchant login
and Partner name remain the same, but the passwords are called differently depending on
the interface (manager or shopping cart) used:
1. Log into your Payflow Pro account at http://manager.paypal.com
2. Click on the Account Administration tab.

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3. Under Manage Security, click Change Password.

4. Click Change Payflow Pro Transaction password.

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Testing

TEST CARD NUMBERS

• American Express 378282246310005
• American Express 371449635398431
• American Express Corporate 378734493671000
• Diners Club 30569309025904
• Diners Club 38520000023237
• Discover 6011111111111117
• Discover 6011000990139424
• JCB 3530111333300000
• JCB 3566002020360505
• MasterCard 5555555555554444
• MasterCard 5105105105105100
• Visa 4111111111111111
• Visa 4012888888881881
• Visa 422222222222

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PayPal Payments Pro

STEP 1 - ENSURE YOU HAVE PAYMENTS PRO
1. Set up a PayPal account with Payments Pro (US, Canada, or others where
supported). Other countries PP WPP systems may work following the same
instructions.
2. Ensure your PayPal account is showing “Virtual Terminal” in your main navigation,
like this:

STEP 2 - CONFIGURE API ACCESS

1. In your PayPal account, head to your profile by clicking the Cog icon in the top right.
(If you don't see a Cog icon in the top right, look for a “Profile” tab)
2. Select “My selling tools” from the left hand column (if you don't see that option,
proceed to the next step)
3. Look for the “API Access”, it should be within the “Selling online” section, and click
“Update” for that option.

o If you don't see anything like this you probably need to VERIFY your account.
An unverified account will not have API access.
4. Within the PayPal API group, look for “Pre-built payment solution”, and click
“Grant API permission” or “Add or edit API permissions”.
5. Enter billing_api1.foxycart.com, and click “Lookup”. Check all the checkboxes except
“Consolidate funds from two or more accounts to a master account.” that appear in
the following screen, and submit. (Or, if you already have another API permission
granted, click “Add new permission”, then do the preceding.)
6. Go to the “Payment Gateways” tab on the “Manage E-Commerce Settings” page and
select “PayPal Payments Pro” as the payment gateway option. Enter the primary

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email of the PayPal account. It must be the primary email on the PayPal account, or
this will not work.

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Moneris – U.S & Canada

Setting Up Moneris for Absorb LMS
1. Enter the credentials as required under the “Payment Gateways” tab on the
“Manage E-Commerce Settings” page:

2. Make sure that your store's country is set correctly in the store settings. Moneris has
different endpoints for its US and Canada systems, and the store's country
determines which endpoint is used.
3. The store ID starts with letters 'mon' and should contain 10 characters, e.g.,
monca0000… or monus0000…
4. Contact Moneris to enable AVS for your account. If you don't do this, you very likely
will see AVS errors and will be unable to process payments.

Testing
You may need to use whole number prices (ie. $10.00, not $9.99) under $10 for test
transactions to go through. Consult Moneris's documentation or support for additional info.

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Cybersource.com
Setting Up Cybersource
1. Set up your CyberSource account - http://www.cybersource.com/register/
2. Login to 'Test Business Center' https://ebctest.cybersource.com/
3. On the left nav click Account Management → Transaction Security Keys. Then click
on the “Security Keys for the SOAP Toolkit API” link.
4. Generate a new key by clicking the “Generate Key” button.
1. If you don't see this option, there may be two options (one for SOAP, one for
something else). Try the other setting.
5. Copy the key that appears (and download it for safekeeping if desired).
6. Login to Absorb LMS and proceed to the “Payment Gateways” tab found under the
“Manage E-Commerce Settings” section.
7. Enter your Merchant ID (which you use when you login to CyberSource) and the
Transaction Key that you just copied.
8. Get back to your CyberSource account. Click “Account Management” → “SmartAuth
Settings”. Set your checkboxes to look like this:
o UK users skip the above step. CVN is not available and is covered by the
Decision Manager settings.
o Cybersource by default has already put in place basic fraud screening via the
Decision Manager even in the basic set up package.
9. TEST. Your account may already be in test mode. Contact CyberSource support to
make sure everything's ready to go.
10. NOTE: Using a test card on a live account will generate account configuration errors.
We're noting that here because this is unusual behavior. (Typically the cards would
just be rejected with a normal “declined”-style error message.)

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Bambora (formerly Beanstream) - Canada

Setting Up Bambora for Absorb LMS
MODERN BAMBORA API
1. Get your merchant ID. Per Bambora's docs, it should be in the top right of your
Bambora member area.
2. Follow these linked steps to get the “API Passcode”
3. Go to the configuration → payment profile configuration page in your Bambora
admin to get the “Payment Profile Passcode”. NOTE: If you don't see this option
under the “configuration” menu, call Bambora and ask them to enable it for you.
4. Uncheck the “Do not allow profile to be created with card data duplicated from an
existing profile”.
5. Uncheck the “Require card validation” as well. (Note: This is optional but
recommended.)
6. Save those settings by clicking the “Update” button at the bottom.
7. Go to the configuration → payment profile webform page. Under the “Form Setup”
checkboxes, we recommend unchecking everything except “Include credit card
Information”. (If you have the billing phone checked, for example, the Absorb LMS
checkout will error unless a customer passes through a phone field.)
8. Enter the values in the corresponding fields in the Bambora settings under the
“Payment Gateways” tab on the “Manage E-Commerce Settings” page.

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Stripe
Setting Up Stripe for Absorb LMS

1. Click on “API” in sidebar navigation.

2. Click on “Reveal live key token”

3. Copy Secret Key that is revealed.

4. Go to the “Payment Gateways” page in your Absorb LMS “Manage E-Commerce
Settings” page.
5. Once logged in, make sure the “Live Gateway” toggle is enabled
6. Choose Stripe as your payment gateway under the “Available Payment Gateway”
dropdown
7. Paste your “Secret Key” into the “Secret Key” field.

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Stripe Tokenization and “Unsafe” Processing Errors

Stripe recently made some changes in how they handle integrations, like our e-commerce
partners, that communicate directly with their API and securely include the customer's
credit card details as part of the API request. Stripe is recommending that users make use
of their tokenization integration options, so that the merchants don't have to handle credit
card numbers at all. As you are making use of Absorb LMS for your store, our e-commerce
provider securely handles the customer's payment details for you, meaning you don't have
to handle them either.
Depending on when your account was created, you may receive an email from Stripe
noting that you need to enable either tokenization or “Unsafe Processing”, or you might see
an error message like this when attempting to process a transaction:

Sending credit card numbers directly to the Stripe API is generally unsafe. To continue proc
essing use Stripe.js, the Stripe mobile bindings, or Stripe Elements. For more information, se
e https://dashboard.stripe.com/account/integration/settings.

If you see either of those things, you'll need to enable “Unsafe Processing” within your Stripe
account. To do that, follow these steps:

1. Either click here, or in the Stripe dashboard go to “Business Settings” and then to
“Integration”.
2. On the Integration settings page, click the “Show Advanced options” link, and toggle
the “Process payments unsafely” option.
3. This will load a popup window with three checkboxes, check each one and for the
final one, in the dropdown that appears select “Someone else built my Stripe
integration”, and specify “FoxyCart” in the textbox.
4. Finally, click the “Process payments unsafely” button to save the changes.

The language around this option is quite concerning but rest assured that our e-commerce
partner is securely handling the customer payment data, and the approach we take for our
Stripe integration is exactly how we approach our other gateway integrations.

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Braintree Payments - EU
Setting Up Braintree Payments for Absorb LMS

1. Log in to the Braintree Payments admin and click the Settings dropdown.
2. Select Users and roles and then click your user.
a. Alternately, you can create an API user if you prefer.
3. Once you have clicked the user account you wish to use, click the API Keys link
under the Authorization heading.
4. On this page you'll need to get your Merchant ID as well as your Public and Private
Keys.
5. In Absorb LMS, navigate to the “Payment Gateways” tab on the “Manage E-
Commerce Settings” page
6. Select Braintree as your Payment Gateway and paste in the above credentials from
the Braintree administrator site.

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WorldPay - EU
Setting Up WorldPay for Absorb LMS

If you have questions about setting up your WorldPay Global Gateway account, call their
technical support on: +44 (0)1223 258 493.
Note that you will need to have an account that can use the XML Direct functionality,
which may require a Corporate Account (and not the Business Account). This is because
our e-commerce partner hosts the secure checkout page rather than relying on the
WorldPay hosted page.
If you get the “The payment gateway returned an invalid HTTP status code: 401” error while
checking out, it means that you probably entered incorrect merchant code / XML
password. Be careful about your merchant code, it's not the same as your login. The
merchant code can be found in the status panel:

Entered into Absorb LMS under the “Payment Gateway” tab on the “Manage E-Commerce
Settings” page.

If you get the following error and do not plan to use 3D-Secure, ask WorldPay to disable
3D-Secure on your account.

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Invalid payment details : missing info for 3D-secure transaction: acceptHeader (7)

OTHER REQUIREMENTS FOR YOUR SITE

1. You have to include the following details in the store website
o Your company's registration name
o Your company's registered office address
o A contact telephone number
o An email address
2. REFUND POLICY for services (The following text is an example based on feedback
from WorldPay)
o “We have been unable to locate a suitable refund policy. Under WorldPay
regulations you must let your customers know that under certain
circumstances a refund will be given at the discretion of the management.
You can state that customers are not 'entitled' to a refund once they are
using the service, but there may be circumstances where a refund is deemed
necessary - e.g. technical problems where the customer is not getting the
service they believed they signed up for.
Please therefore amend all references to refunds by adding that 'refunds
may occasionally be offered at the discretion of the management', or
something similar”

XML PASSWORD
You will need to obtain your XML password.
For a business account you can find your password under the Installations menu:

The password for a corporate account can be found under the Profile → Merchant
Environment menu:

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