2.7 Create Payment Methods

Next you need to create all payment methods, which can be done though the Setup->Payment Settings menu. The second box on the page allows you to create a new payment method, and looks like:

There are two different types of payment methods that can be created:

• Deposit - Payment methods used to physically charge members for things such as membership fees and products.
  
  
• Withdraw - Payment methods used to send funds to members for commission payouts.

Using the two available select boxes, select which payment method and processor you would like to create. If your desired payment processor is not in the list, select the "Other - Manual Processing" option. The next page will ask specific information regarding the payment processor you chose, such as the account ID# and password.

Depending on the payment processor you chose, there may be some additional things you must do. Below explains all specifics on the different payment processors.

NOTE:If the payment processor is not listed below, then nothing extra needs to be done. The payment processor doesn't require anything additional to be done, in order for it to be integrated with xFlow Lite.


2.7.1 PayPal

In order to use PayPal's automation features (IPN), you must have either a Business or Premier account. If you don't, you must upgrade your PayPal account. You must also activate IPN and specify the IPN URL, which can be done by completing the below steps:

1. Login to your PayPal account through https://www.paypal.com/
2. Click on the Profile tab
3. Under "Selling Preferences", click on the Instant Payment Notification Preferences link
4. Click on the Edit submit button, located in the bottom right hand corner of the screen
5. Make sure the checkbox is checked, to activate IPN
6. Enter the IPN URL, which will be the following URL. Of course, replace domain.com with your actual domain name.
   http://www.domain.com/cgi-bin/xlite/remote/paypal.cgi
7. Click on the Save submit button to activate IPN, and save the changes.

2.7.2 2CheckOut

If you're using 2CheckOut, you must specify your secret word and return URLs. To do this, complete the following steps:

1. Login to your 2CheckOut account through http://www.2checkout.com/
2. Go to the Account Details->Return menu
3. You need to specify the Return URL for both, "repurchase.2c Passback Parameters", and "cartpurchase.2c Passback Parameters". The rest of the Return URL fields can be left blank. The Return URL you must specify in the two fields will be:
   

   http://www.domain.com/cgi-bin/xflow/remote/2checkout.cgi

   
   Of course, replace domain.com with your actual domain name. Also make sure you select Yes to the questions asking if you would like a routine sent back after a payment is processed.
   
   
4. Near the bottom of the page, under the "Overall Passback Parameters" section, make sure the Direct Return box is set to Yes.
5. Under the "Overall Passback Parameters", there is also a field allowing you to enter a Secret Word. This is to help prevent fraudulent transactions, and can be anything you wish. Please make sure the secret word you enter in 2CheckOut is the same as xFlow Lite.
6. Click on the "Save Passback Parameters" submit button to save the changes.

2.7.3 2CheckOut (recurring payments)

There are two technical problems with using 2CheckOut for recurring (eg. monthly) payments. First, the 2CheckOut server will only notify xFlow Lite after the first payment, but will not for recurring payments. This means xFlow Lite has no way of knowing if recurring payments were successfully processed or not. Because of this, you will be required to manually approve all recurring payments through the Transaction->Pending Deposits menu of the Admin Control Panel.

Second, the 2CheckOut server requires you to first create all recurring products through their system, and requires the product information with every payment request. For every recurring transaction you need to process through xFlow Lite, you will need to create a recurring product with the same information in the 2CheckOut system.

Every time you create a Membership Fee transaction through the Setup->Member Settings menu, that transaction will be assigned an ID#. You must create a recurring product in the 2CheckOut system with the same ID#, and amounts.


2.7.4 StormPay

In order to use StormPay, you must define your notification URL and secret code. You can do this by completing the following steps:

1. Login to your StormPay account
2. Go to the Profile / Setup section, then the IPN Configuration menu
3. Change the URL to the following. Of course, change domain.com to your actual domain name.
   

   http://www.domain.com/cgi-bin/xflow/remote/stormpay.cgi

   
   
4. Specify a secret word of your choosing, and make sure the status is set to Active
5. Make sure only the two following check boxes are checked:
   

   - Payments received through 'Buy' or 'Check Out' buttons
   - Subscriptions payments received

   
   
6. Submit the form to save your changes

2.7.5 PaySystems

You must have a TPP-Pro account in order to use PaySystems. If you are not currently setup on the TPP-Pro system, you can do so by completing the following steps:

1. Go to http://www.revecom.com/ and create a TPP-Catalog test account.
2. Wait for a confirmation e-mail, which contains your company ID, and password.
3. Contact the PaySystems merchant support department, and ask for your account to be changed to TPP-Pro.

2.7.6 WorldPay

In order to use WorldPay, you must have a Junior Select Installation ID#. If you do not have one, please contact WorldPay customer support and request one. If you would like to process recurring (eg. monthly) payments with WorldPay, you must have FuturePay enabled on your account.

You must also specify the callback URL, and a secret word. To do this, complete the following steps:

1. Login to your WorldPay account
2. Go to the Admin section
3. Make sure the Callback checkbox is checked, and specify the Callback URL, which will be the following URL. Of course, change domain.com to your actual domain name.
   

   http://www.domain.com/cgi-bin/xflow/remote/worldpay.cgi

   
   
4. If you're accepting recurring transactions, and have FuturePay enabled on your WorldPay account, make sure the FuturePay Callback checkbox is checked.
5. You must contact WorldPay customer support, and give them a secret word to be used. This is to prevent fraudulent transactions, and must be the same as the secret word you specify in xFlow.
6. Submit the form to save the changes.

2.7.7 Ikobo

In order to use Ikobo, you must define your IPN URL and password. To do this, complete the following steps:

1. Login to your Ikobo account
2. Click on the Sell Online tab, and once there, click on the 'Instant Payment Notification' link under the Account Features box.
3. Make sure the checkbox is selected to enable IPN, leave the IPN Format field at "Ampersand (&) Delimited)", and change the IPN URL to:
   

   http://www.domain.com/cgi-bin/xflow/remote/ikobo.cgi

   
   
4. Enter any password you would like for your IPN password. Remember the password, as you will need to enter it again when creating Ikobo as a payment processor through the Admin Control Panel.
5. Submit the form to save the changes.

2.7.8 Linkpoint

In order to use Linkpoint, you must upload your .PEM file, which you will receive from Linkpoint once your account is opened. Upload this file to your server at the location /xlite_data/linkpoint.pem.


2.7.9 Quickbooks Check Generation

You can use Quickbooks, offered by http://www.intuit.com/, and have xFlow create IIF files of commission payouts, allowing you to import the file into Quickbooks, and automatically have all commission checks ready to be printed.

Within Quickbooks, you must create both, a bank account which commissions are withdrawn from, and an expense account which commissions are drawn against. You must specify the name of both accounts in xFlow Lite, when creating the payment method.