There are 3 steps to setting up your Authorize.net account:
1. Merchant Account Setup
To set up Authorize.net as your payment gateway, you need a US merchant account, a US bank account, and an Authorize.net account. Contact Authorize.net here to learn more about their fees.
If You are a US Resident and Do Not Currently Have a Merchant Account:
To save our customers money and time, we've negotiated a discounted merchant account rate from Millenium Bankcard when using an Authorize.net payment gateway. Please go to Millenium Bankcard to apply for your merchant account.
To obtain a merchant account through Millenium Bank you MUST use Authorize.net.
If You Already Have a US Merchant Account:
- Go to Authorize.net directly and sign up using your US merchant account.
- Make sure when you sign up that you choose AIM as your integration method.
2. Once You Have Your US Merchant Account and Authorize.net Account
Set up your payment processing by following the instructions below.
- Go to 'Edit Store' -> 'Shopping Cart' -> 'Payment Processing'.
- Select US Dollar as your currency.
- Select 'Authorize.Net Merchant Account Processing'
- Enter your Authorize.net API Login Name and Transaction Key.
- Decide whether to offer PayPal as a payment option.
- Decide whether to require the credit card CVV code (the 3 or 4 digit code on the back of credit cards) during the checkout process.
- Decide whether to offer offline ordering, such as via email or fax.
- Decide whether to make Express Checkout (requiring the customer to create a Username and Password for your shopping cart) mandatory.
- Click on the 'Save' button to save your changes.
You can also accept PayPal or Offline Payment Processing while using Authorize.net.
3. Authorize.net Settings
The last step is to set up your Authorize.net settings. If these settings are not configured properly, your shopping cart order processing will not work. Please adjust only the settings we've listed. Any settings that are not listed should be left as the default settings.
To configure your Authorize.net account:
- Log into www.authorize.net and then click on 'Settings' from the column on the left.
- Click 'Virtual Terminal'. There are 2 Virtual Terminal links; make sure you click on the one above 'Payment Form'.
- On this page, you will notice a column that says 'Required'. Ensure that all boxes are unchecked and click the 'Submit' button. The shopping cart requires that your customers submit all billing and shipping information, so you won't need to adjust these settings within your Authorize.net account.
- Click 'Settings' then 'Payment Form'. From there, click on 'Form Fields'.
- Uncheck everything in the column titled 'Required'.
- Click on 'Settings' then 'Direct Response'.
- Beside 'Delimited Response', check off 'No'.
- For 'Default Field Separator', make sure it is set as ',(comma)'.
- Beside 'Field Encapsulation Character', make sure it is left blank.
- Click the 'Submit' button.
- Click on 'Settings' then 'Card Code Verification'.
Card Code Verification (CCV) refers to the 3 or 4 digit number on the back of credit cards. You can choose to allow or decline transactions during checkout based on the CCV provided.
If you are set up to accept CCV on your shopping cart, you can choose which options you would like to set to 'Allow'.
If you chose to have the CCV off on your shopping cart, make sure all 4 options are set to 'Decline'.
- Click the 'Submit' button.
- Click on 'Settings' then 'Address Verification System (AVS)'. To help prevent fraudulent transactions, AVS compares the billing address and ZIP code provided by the customer at the time of purchase, to the address and ZIP code on file at the card issuing bank. In this section, you can mark any of the following options as 'Allow': B, E, R, G, U, S, N.
Do not allow any items that are NOT mentioned.
If you sell to customers outside of the US, its recommended that you only check off N. The other AVS options often prevent non-US customers from processing their credit card.
- Click on 'Settings' then 'Test Mode'. Make sure test mode is turned off when you are ready to start selling your products. If the button says 'Turn Test OFF', you need to click on it. If it says 'Turn Test ON', just click on the link 'Settings Main Menu' as you do not need to do anything for this section.
When Test Mode is turned on within your Authorize.net account settings, all transactions are approved by the system regardless of whether a fake number is used. It is important that this mode is disabled to prevent fraudulent transactions.
- Within your Authorize.net account, click on 'Settings' then 'Email Receipts'. Make sure 'Email transaction receipt to customer' is left unchecked. Your shopping cart will automatically issue an order summary/confirmation email to your customers once they've placed an order. It's best to disable this feature within Authorize.net to prevent your clients from receiving duplicate emails.
IMPORTANT: Under the Fraud Detection Suite ONLY "Enhanced AVS Handling Filter" and "Enhanced CCV Handling Filter" should be enabled.