Authorize.Net is a payment processing solution that simplifies online payments and provides the complex infrastructure and security necessary to ensure fast, reliable and secure transmission of transaction data.
Authorize.Net allows you to choose between its merchant account + payment gateway plan and its Payment Gateway only plan.
Consider the following factors before choosing Authorize.Net as a payment solution:
- Countries: Authorize.Net is currently available for companies based in the United States of America, Canada, the United Kingdom, Europe, and Australia.
- Payment Methods: Authorize.Net supports almost all major credit and debit cards such as Visa, MasterCard, American Express, Discover, Diner's Club, JCB, and so on.
- Pricing: Authorize.Net has service fees which include, setup, monthly and per-transaction fees. More details about pricing here.
Types of Account
Authorize.Net is supported only on ChargeMonk's live site. You would require a payment gateway account or a payment gateway plus merchant account.
Since ChargeMonk handles card information storage and recurring payments, you would not require the CIM(Customer Information Manager) and ARB(Automated Recurring Billing) modules in your Authorize.Net account.
If you plan on using Authorize.Net with ChargeMonk but would want to test the workflow, you can make use of ChargeMonk's test payment gateway.
ChargeMonk currently uses Spreedly , a third party card vault, to store card information with Authorize.Net. Authorize.Net supports storing card information. However, if you're integrating with ChargeMonk via Spreedly, you need to migrate your card information from Authorize.Net to Spreedly. Drop a mail to firstname.lastname@example.org for more information on the migration process.
Authorize.Net can be integrated with ChargeMonk only on the LIVE site. Testing with Authorize.Net is discussed in later sections.
ChargeMonk offers the following options to integrate with Authorize.Net:
Option A ChargeMonk hosted payment pages + Authorize.Net Gateway
In this method the card information of the customers are collected by ChargeMonk's secure hosted pages and passed on to Spreedly for storage.
PCI Compliance Requirements: Low
Your PCI compliance requirements are greatly reduced because of ChargeMonk's hosted pages. As a merchant using ChargeMonk's hosted pages, all you have to do is fill a Self Assessment Questionnaire (SAQ-A) and submit it to the payment gateway, if requested.
Option B ChargeMonk's API + Authorize.Net Gateway
In this method, collecting card information will have to be handled at your end and has to be passed on to ChargeMonk. ChargeMonk then routes this card information to Spreedly.
PCI Compliance Requirements: High
Since card information will be collected by you directly, you will have to take care of PCI Compliance requirements.
Configuring Authorize.Net with ChargeMonk involves setup in both your ChargeMonk and Authorize.Net accounts.
Follow these steps to setup Authorize.Net on ChargeMonk's live site:
Step 1: In your ChargeMonk LIVE Site, go to Settings > Configure ChargeMonk > Payment Gateways > Add a Gateway > Authorize.net.
Step 2: Enter your API Login Id, Transaction Key and Public Client Key and click Connect. You have now configured Authorize.net.
Step 3: Enable the necessary Card settings by clicking the Manage link in the Cards section.
Additional Configurations in Authorize.Net
Apart from the configuration in ChargeMonk, the following details have to be configured in your Authorize.Net account as well:
Enable Transaction Details API
To integrate Authorize.Net with ChargeMonk, it is mandatory that you have the Transactions API enabled in your Authorize.Net account. To get this done, follow the sequence of steps given below:
- Log in to your Authorize.Net Merchant Interface.
- Navigate to Account > Settings > Security Settings > Transaction Details API.
If you haven't enabled Transaction Details API already, enter the "Secret Answer" and click Enable Transaction Details API.
Turn off Test Mode
Authorize.Net has a test mode in its production account which lets you test your connection with the payment gateway without carrying out actual charges. By default, your payment gateway account is set to "Test Mode". To carry out live transactions, ensure your Live Mode is turned on. To do this, in your Authorize.Net account, navigate to Account > Settings > Security Settings > General Security Settings and set the mode to Live as shown below:
Testing Authorize.Net with ChargeMonk
Authorize.Net can be integrated with ChargeMonk only on ChargeMonk's live site. If you are on ChargeMonk's test site and want to run test transactions, you can make use of ChargeMonk's test payment gateway. ChargeMonk's test gateway is designed to simulate all payment related scenarios. Test cards for testing with ChargeMonk's test gateway can be found here.
Authorize.Net and ChargeMonk support different currencies for charging customers across different geographical locations. If you intend to use Authorize.Net+ChargeMonk for your business, ensure that your transactional currencies are supported by both.
The currency configured in your Authorize.Net account will be used for transactions, irrespective of the currency configured in ChargeMonk. Hence, ensure the currency configured in your Authorize.Net account matches with that of your ChargeMonk account.