## Configuring Credit Card Payment Plug-ins

Parallels Business Automation - Standard offers a wide range of built-in modules (plug-ins) that provide an ability for you to accept online payments at your online store and process them with different online payment gateways. You just need to set up your Merchant Account at a payment gateway and then enter your Merchant data into the corresponding plug-in configuration form in Parallels Business Automation - Standard. The plug-ins set includes both plug-ins to real payment systems and the Dummy Plug-in (for testing purposes).

The following transaction types are implemented in Parallels Business Automation - Standard:

- Sale - a single-step transaction without pre-authorization. Money are just withdrawn from a card.
- Credit - refund after funds have been settled, i.e. a transaction data have been passed from a payment gateway to an acquiring bank.
- Preauth - a purchase amount is reserved at a card and authorization is needed to withdraw money and finish a payment.
- PreauthReversal' - a transaction is cancelled on the 'Preauth' stage, i.e., pre-authorized funds are released.
- Capture - the reserved amount was withdrawn after authorization.
- Capture Reversal' - a transaction was cancelled on the 'Capture' stage, but before funds are settled.

What Payment Plug-Ins are Available

Payment plug-ins are shipped as RPM modules independent from Parallels Business Automation - Standard functionality.

The full list of payment plug-ins shipped with Parallels Business Automation - Standard is available at SWsoft official website.

How to Configure a Payment Plug-In

After installation, a plug-in becomes available in Parallels Business Automation - Standard as a selectable type for a new payment plug-in configuration. To add a payment plug-in based on one of a standard configurations, it is enough to go to Commerce Director, proceed to Online Payments > Payment Plug-ins, click New Plug-In, enter a new plug-in configuration name and select a configuration type. After this, a plug-in configuration form appears on the screen. The only thing to do after this - fill the form and save the configuration. The number of plug-ins that can be added on the basis of the same standard configuration is not limited.

Activating Payment Plug-Ins and Making Them Available for Resellers

To use the configured payment plug-ins you should activate them for your store. In addition, it is possible to flexibly set payment plug-ins availability for Resellers: after a Provider allows a plug-in usage for a Reseller, this Reseller can register their own Merchant account and use a plug-in for their own e-commerce business.

In respect to payment plug-ins availability for resellers, each plug-in can be disabled or enabled globally (for all resellers) or a plug-in availability can be set as undefined and then a plug-in availability can be set in reseller account properties, under the Payment Plugins tab.

The list of payment plug-ins displays the following:

- Name. The title a Plug-In is referred to in Parallels Business Automation - Standard (typically, the plug-in name follows the name of a payment gateway or payment system).
- Active. If a plug-in is activated, then this payment system is available at your online store. You can activate and use any and up to all payment Plug-ins at the same time. Active (currently enabled) Plug-in can be selected by clicking on Plug-in title and then, after the Plug-in configuration appears, on the Mark as Active button. Green tick in this column indicates that a payment system plug-in is currently active.

Security With CVV and AVS

The Parallels Business Automation - Standard credit card payment Plug-ins provide the following security features:

- Card Verification Value code (CVV2) verification. CVV code is a three- or four-digit code which provides a cryptographic check of the information embossed on the card. The CVV code is not part of the card number itself. The CVV code helps ascertain that the customer placing the order actually possesses the credit/debit card and that the card account is legitimate. Each credit card company has its own name for the CVV code, but it works similarly for all popular card types. (VISA refers to the code as CVV2, MasterCard calls it CVC2, and American Express calls it CID);
- Address Verification Service (AVS). As part of every transaction processed, the customer's address and zip code (Billing Address) are sent to your processing network for AVS verification. The processing network returns an AVS "code" indicating whether the customer-provided information matches the information on file for the customer at their processing bank;
- Disabling automatic funds capture. This allows performing some additional credit card verification procedures prior to funds capture. In this case, pre-authorizing of a transaction will be performed and you will have to post-authorize the transaction manually from the payment gateway interface. This might be useful to avoid chargebacks if you have too much fraud on your site.

Note: For most of payment plug-ins available in Parallels Business Automation - Standard you can configure the list of credit card types to accept both in HSPstore and Control Panel. This list can be configured per payment plug-in. If a payment plug-in does not support this feature then such payment plug-in will accept all types of credit cards.

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