Setting Payment Methods Saving Order
After secure storage for payment methods is configured, you can adjust the payment methods saving settings. To this effect, open the Commerce Director submenu, and click Secure Storage on the Payment Processing submenu.
Note: Fully automated processing of payments is possible only for credit cards payment method, because bank accounts payments processing calls for manual generation of batch file to send transaction request to a bank. To process credit cards automatically, the secure key must be stored in the Parallels Business Automation - Standard database, so credit cards private data could be decrypted by the moment when Parallels Business Automation - Standard checks the documents piled and attempts to process payments (by design, automated payment processing is scheduled each three hours). If you store the private key somewhere out of the Parallels Business Automation - Standard database, you can process payments documents only manually (though in series at a time) and you will need to enter both the secure key and a passphrase every time.
As for recurring billing for bank account payment method, you can set the automated saving of bank accounts data, the order of automated selection of a bank account to be used for recurring billing (this bank account will be automatically selected for example, to pay automatically generated renewal orders or resource overusage invoices), and automated disabling a bank account in case a transaction was declined. Other operations with bank account payments are to be performed manually.
To set the payment methods saving order:
- Click the General Settings tab on the Secure Storage screen.
- Click the Edit button.
- Edit the payment methods processing settings:
To make it possible to process payments recurrently, set the option button to Store payment method information for future transactions. After this, you can either enable automated processing of payments (to this effect set the option button to Automated processing so all documents intended to be paid by credit cards will be automatically checked and processed each three hours), or you can set manual payments processing (set the option button to Human Supervised).
- In the Human-supervised mode a secure key necessary to decrypt payment methods private data in order to make payment, is not stored in the database and thus, a secure key/passhprase pair is to be entered each time a payment method is used. To facilitate payment methods application, it is possible to set the period of time a secure key/passphrase are to be stored in the database after having been entered. Please enter the duration of this period (in minutes) in the relevant field.
- For Automated processing, a secure key together with passphrase is stored in the database all the time, which is mush less secure. To use the automated mode:
- Paste the secure key text into the Secure key field or click the Browse button and locate the file containing a secure key.
- Paste a secure key passphrase into the Passphrase for secure key field.
- Select additional options:
- Mark all the payment methods entered in the store as allowed for recurring payments. If this checkbox is selected, all the payment method data used in your HSPstore will be saved in Parallels Business Automation - Standard and allowed for recurring payments automatically.
- Disable the Payment method if the processing center declines the transaction. If you check this box, then In case a processing center or a bank declines a credit card transaction or a bank transfer, such payment method will be automatically disabled (disallowed) for payments in Parallels Business Automation - Standard.
- To disable saving payment methods in Parallels Business Automation - Standard database, set the radio button to Do not store the payment methods information for future transactions. You can also make some additional settings for this regime. Set the option button to one of the following:
- Do not change secure data. You can select this option if you do not want to delete the payment methods data saved in Parallels Business Automation - Standard before you disable saving credit cards and bank accounts.
- Erase the payment method data from the system. Be careful! This option deletes all the payment methods saved in Parallels Business Automation - Standard before.
- Erase all the public/secure keys and passphrases from the system. All the payment method data will be deleted from the system as well. Attention! This is the most strict option. Select it only if you have saved your key pair(s) and if you absolutely sure that you want to remove all the payment methods saved in Parallels Business Automation - Standard database before.
- Click the Save button to save the changes.
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