Choosing your Payment Gateway
Implementing a Payment Gateway into your accessplanit platform allows you to take payment online via your Shopping Basket or Checkout. Follow this page to learn more about each Payment Gateway that is supported in your accessplanit platform, to find the option that will work best for you.
Integration Types
There are three different integration approaches used by payment gateways in the accessplanit baskets, and it is important to understand them before making your decision on which payment gateway you would like to integrate your accessplanit basket with.
Payment Gateways will either be integrated into the accessplanit basket as a ‘Remote’ integration, a ‘Redirect’ integration, or as an ‘Integrated Component’. These approaches determine how the payment process is is handled and where sensitive payment information is collected and stored.
Redirect Integration
In a redirect integration, your customers will be directed to a new page or window to enter their card details to complete their payment. This happens once your customer has provided details such as their billing address, and their selected method of payment, they will be shown a new hosted payment page provided by the payment gateway (for example a PayPal page).
Process:
The customer adds Courses / Products & Services to their accessplanit basket
They reach the ‘Payment’ stage of the accessplanit basket, provide their billing address and enter any discount codes
They select their method of payment as the redirect payment gateway (such as PayPal)
They click to proceed with their booking and are redirected to a secure payment page hosted by the payment gateway (i.e. PayPal), this is typically a pop-over window so that the customer is not directed away from their basket entirely
They then enter their payment details (credit card information, etc.) on the payment gateway's page, rather than on an accessplanit basket page
After the payment is processed, the customer is redirected back to the accessplanit basket where they will be shown a success or failure message subject to their payment being successfully processed
Benefits of redirect payment methods:
As all sensitive payment/card data is entered into the payment gateway window and this information will never be entered into an accessplanit page, this means that PCI DSS compliance is simplified as you will only require your payment gateway to be PCI compliant
If the customer already has an account with the payment gateway (for example, if they already have a PayPal account), this can speed up their payment process as they do not need to know / have access to their card details to make their payment
Remote Integration
In a remote integration (also known as direct or client-side integration), the payment form that your customers type their card details into is in your accessplanit basket. Your customer will enter their payment information without leaving the basket at all.
Process:
The customer adds Courses / Products & Services to their accessplanit basket
They reach the ‘Payment’ stage of the accessplanit basket, provide their billing address and enter any discount codes
They select their method of payment as the remote payment gateway (such as Opayo in the Shopping Basket)
The payment form is built by accessplanit and embedded into the payment stage
The customer enters their payment details directly into the accessplanit basket
When the customer clicks to make their payment, the payment information is securely transmitted to the payment gateway
If the customer needs to verify their payment using 3D Secure (3DS) authentication, they may be shown a pop-up window to authenticate themselves
Your customer will wait in the basket until a response is received, when they will be shown a success or failure message subject to their payment being successfully processed
Benefits of remote payment methods:
This method provides a better user experience as the customer does not get directed to an alternative page to have their payment taken, this also can increase their trust in the payment process
Integrated Component
An integrated component is where your customer stays in your accessplanit basket, but they enter their card details into a form on the page that is owned/hosted by the payment gateway.
This means that, your customer will enter their card details into a component owned by the gateway (rather than typing their card details into an accessplanit page) while also not having to leave the basket to make their payment.
This provides the security benefits of redirect, and the user experience benefits of remote.
Process:
The customer adds Courses / Products & Services to their accessplanit basket
They reach the ‘Payment’ stage of the accessplanit basket, provide their billing address and enter any discount codes
They select their method of payment as the payment gateway (such as Stripe or Opayo in the Checkout basket)
The payment gateway’s component appears within the accessplanit payment stage of the basket
The customer enters their payment details into the component that is embedded in the page
When the customer clicks to make their payment, the gateway verifies the payment
If the customer needs to verify their payment using 3D Secure (3DS) authentication, they may be shown a pop-up window to authenticate themselves
Your customer will wait in the basket until a response is received, when they will be shown a success or failure message subject to their payment being successfully processed
Benefits of integrated component methods:
As all sensitive payment/card data is entered into the payment gateway’s component and this information will never be entered into an accessplanit page, this means that PCI DSS compliance is simplified as you will only require your payment gateway to be PCI compliant
While the component may not match the style of the page entirely, this method provides a better user experience as the customer does not get directed to an alternative page to have their payment taken, this also can increase their trust in the payment process
Payment Gateway Options
Your accessplanit platform supports a wide range of payment gateways available, we recommend exploring each to find the best fit for your business based on your business size, security requirements, and price requirements.
Please note that, while most gateway options are supported by both accessplanit baskets (Shopping Basket and Checkout Basket), there are some that are not available in both, and others that are supported. The below table outlines which baskets each payment gateway is available in.
Payment Gateway | About | Supported in Baskets |
|---|---|---|
| Adyen In both baskets our integration with Adyen uses an Adyen component embedded into the payment step of the shopping basket, this means that although it appears as though this is a ‘remote’ integration, all card details are captured and hosted by Adyen. This provides the security benefits of redirect, and the user experience benefits of remote! Our Adyen integration also supports payments in instalments (with optional interest), and payments via local payment methods such as Redcompra, Efecty, and PSE.
More information:
Please note - Adyen very infrequently accept accounts for small to medium businesses. | Shopping Basket (Adyen component used to capture card details) Checkout Basket (Adyen component used to capture card details) |
Barclays ePDQ Our integration with Barclays ePDQ uses:
| Shopping Basket (remote) Checkout Basket (redirect) | |
| Global Payments Our integration with Global Payments is only available in the Shopping Basket, it is a redirect gateway. Our integration with Global Payments has limitations in terms of refunds. If you need to provide a refund through Global Payments there is not capability to do so through your accessplanit platform but instead you need to log in directly to your Global Payments portal and subsequently amend this manually within your accessplanit platform. More information:
Please note - there is a known issue with Global Payments, where payments from the Crown Dependency of Jersey will fail as their State Code conflicts with the US State of New Jersey's state code. | Shopping Basket (redirect) Checkout Basket |
| PayPal Our integration with PayPal uses the redirect approach in both baskets. The accessplanit integration is for PayPal Express accounts, it is possible for PayPal Pro account to use this integration too. Please note that the integration does not currently work with PayPal Standard accounts.
More information:
| Shopping Basket (redirect) Checkout Basket (redirect) |
| Opayo (formally SagePay) Opayo is our recommended supplier and from experience we have found that our customers find them the best to work with – so much so that we have now chosen to be a partner of Opayo. Our integration with Opayo uses:
More information:
Please note - Opayo do not support payments from the Crown Dependency of Jersey. | Shopping Basket (remote) Checkout Basket (Opayo component used to capture card details) |
| Stripe Our integration with Stripe uses a Stripe component embedded into the payment step of both the Shopping Basket and the Checkout Basket, this means that although it appears as though this is a ‘remote’ integration, all card details are captured and hosted by Stripe. This provides the security benefits of redirect, and the user experience benefits of remote! More information:
| Shopping Basket (Stripe component used to capture card details) Checkout Basket (Stripe component used to capture card details) |
| WorldPay Our integration with WorldPay uses the redirect approach in both baskets. More information:
| Shopping Basket (redirect) Checkout Basket (redirect) |
| WPM Education WPM Education is a payment platform for higher education institutes and colleges.
More information:
| Shopping Basket (redirect) Checkout Basket |
Please note
When choosing your payment gateway, please ensure you have checked, agreed and confirmed internally/externally with the supplier’s transaction fee, the supplier’s pay-out duration and any other terms and conditions that the supplier may have.
It is your responsibility to check and agree with your chosen supplier.
Implementation
Implementation of your new payment gateway does vary depending on the option you choose, however all follow a similar format.
Your chosen provider will give you one or more account IDs which we then integrate within your accessplanit system. Please do note that some providers can take several weeks to generate these IDs and may need to contact us during the process for security reasons.
The steps to integrate each gateway are explained in their dedicated guides:
FAQs
What is 3D Secure?
3D Secure (also known as “Verified by Visa” or “MasterCard SecureCode”) requires users to provide a secret password before the transaction is processed. Please note that this often requires redirection to a different page and so can make a ‘remote’ payment gateway appear as a ‘redirect’.
What type of integration do I need for PCI-DSS compliance?
You will need an integration where your customers' card details are entered into a form that is owned/hosted by a PCI compliant payment gateway. You should choose either an integrated component or a redirect integration, and you should check that your chosen payment gateway is PCI compliant.
Can I have more than one payment gateway set up in my accessplanit platform?
Yes! If you would like to offer your customers a choice of gateways within your basket, you can have two or more payment gateways (such as PayPal and Stripe) set up and available to receive payments.
Which payment gateway options support paying in instalments?
Our Adyen integration supports paying in monthly instalments, you can also set up ‘Partial Payments’ within your basket to support deposit payments for high-value Courses.