Checkout & Payment

Choosing your Payment Methods

Before you can accept orders from your customers, you will need to choose one or more methods for accepting payments. Each of the methods have varying fees and costs associated with them, so you should shop around to see which one is right for you.

Spiffy Stores supports a few external credit card payment gateways. These allow your customers to use their credit card directly in your store. You will need to set up a separate account with one of these gateways in order to use them for sales.

Accept External Payment service

An External Payment service is where your customer is redirected to an external web site to make their payment. Usually the payment can be made by Credit Card or funds transfer from a bank account. Once the payment has been processed, the customer is redirected back to your Spiffy Store and a Order Confirmation page is displayed for them.

Currently, PayPal Website Payments Standard is the only External Payment service supported by Spiffy Stores.

The advantage of this kind of service is that you don't need a merchant account to accept credit cards, and it is an ideal way to start out a new online store.

You can sign up here for a PayPal Website Payments Standard account.

Accept Credit Card payments

Direct Payment Gateways allow you to accept credit or debit card payments without leaving the Spiffy Stores checkout.

All Direct Payment Gateways will require you to have a merchant account with your bank. In addition, gateway fees will also apply unless you choose to select Manual Payments, in which case you will need to process the payments manually..

A credit card gateway is not included in the cost of your store. Gateway suppliers each have their own fee structure and eligibility requirements.

Supported Gateways

• Advam (http://www.advam.com/)
• CardStream (http://www.cardstream.com/)
• eway (http://www.eway.com.au/)
• Netregistry (http://www.netregistry.com.au/)
• PaymentExpress (http://www.paymentexpress.com/)
• PaySecure (http://www.commsecure.com.au/paysecure.shtml)

Offsite Payment Gateways

Offsite payment gateways require that the customer be redirected to the web site of the payment gateway in order to complete the payment.

Some customers may prefer to use PayPal since it allows them to pay from their bank account instead of their credit card. Also, if they have set up their PayPal account they only need to enter their email and password in order to buy something. In order to accept credit card payments through PayPal, you will need to have one of their "Premier" or "Business" accounts. See the PayPal site for more information.

Checkout replacements

Spiffy Stores also support Google Checkout. To learn more about Google Checkout watch their Demo video.

If you choose more than one payment gateway, your customers will be given a choice of payment methods.

Additional Content & Scripts

You can include custom html, tracking pixels and even scripts on the last page of the checkout. See Conversion Tracking for more information.