Alternative Payment Methods
This information refers to SuiteCommerce, SuiteCommere MyAccount, and the Mont Blanc release of SuiteCommerce Advanced and later.
If you want your customers to use payment methods other than credit cards in your Commerce web store, you can create custom payment methods that are displayed in your web store and accepted as valid payment methods for orders.
After you enable alternative payment methods, your customers can choose a payment option that communicates with an external payment gateway that is provided by a third-party company offering payment processing services.
Alternative payment methods are available to your customers in the following situations:
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When choosing a payment method during checkout.
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When paying for sales orders converted from a quote.
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When paying an invoice.
After a user selects an alternative payment method, they are prompted to leave your website and enter a third-party payment site for authentication.
If approved, the customer is returned to your website at the Order Confirmation page. If rejected, the customer is returned to your website’s Payment Method page to choose a different payment method. If the customer cancels the payment on the third-party payment site, the payment event is canceled in NetSuite and the customer is returned to the My Account home page on your website.
See Checkout for information about customizing checkout experiences on your Commerce website.
Perform the following actions to set up alternative payment methods using external payment processing on your website:
Set Up an External Payment Gateway
You can select an external payment gateway partner from SuiteApp.com.
Follow the steps provided in Installing from the SuiteApp Marketplace to install a SuiteApp to your NetSuite account.
Before choosing a payment gateway partner, note that a direct commercial relationship must first exist between the merchant and the payment gateway. This also requires an acquiring relationship. Some of NetSuite’s partners are acquirer agnostic, which lets you maintain your existing acquiring relationship with the payment partner. Some partners require a new acquiring agreement to be in place.
In situations where existing payment partner relationships do not meet your needs, contact the SuiteCloud Developer Network for assistance.
Only NetSuite-approved payment partners are allowed to provide external payment gateway services. To obtain a payment gateway, vendors must follow the official Built for NetSuite process to be considered.
Create a New Payment Method
After installation, some SuiteApps automatically create a new Payment Method record in NetSuite, but others don’t. To allow alternative payments using third-party payment providers, associate a payment method to the payment gateway that was included with the SuiteApp.
To create a new payment method for external payment processing:
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Follow the steps provided in the Order Management help topic, Creating a Payment Method.
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Give the payment method a name that clearly identifies it as an external payment method.
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Select External Checkout from the Type list.
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Check Display in Website.
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Click Save.
Create a Payment Processing Profile
A payment processing profile is a NetSuite record that stores the external payment gateway connection information that is delivered with the associated SuiteApp. You must create at least one payment processing profile to direct NetSuite to use the payment gateway when processing a payment for a transaction that uses that profile.
To create a payment processing profile:
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Follow the steps provided in the Order Management help topic, Alternative Non-Credit Card Payment Methods for Web Store Orders.
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In the payment processing profile record’s Web Site field, choose the website that will use this profile.
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In the Supported Payment Methods field, choose the external payment method you created using the steps provided in Create a New Payment Method. NetSuite automatically updates the Payment Method record to associate with this profile.
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Make any other changes as required and click Save.
Edit Website Settings
After creating a payment processing profile, perform the following account setup procedures:
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Allow payment processing in your Commerce web store.
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Allow non-credit card purchases during checkout.
To allow payment processing in your Commerce web store:
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In NetSuite, go to Commerce > Websites > Website List.
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Click Edit next to your website.
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Go to the Shopping tab.
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In the Shopping Basics area, check Process an Online Payment with Sales Order Creation.
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Click Save.
To allow non-credit card purchases during checkout:
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In NetSuite, go to Commerce > Websites > Website List.
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Click Edit next to your website.
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Go to the Shopping tab.
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In the Payments Page area, check Allow Non-Credit Card Payment Methods During Checkout.
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Click Save.
Set Up NetSuite to Process Alternative Payment Methods
Set up your NetSuite account to use payment processing profiles that connect to third-party payment providers.
To allow NetSuite to process alternative payment methods:
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In NetSuite, go to Setup > Accounting > Preferences > Accounting Preferences.
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Go to the Items/Transactions tab.
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In the Payment Processing area, check Enable the Sale Payment Operation on a Sales Order by Automatically Creating a Customer Deposit.
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Click Save.
Restrict Payment Based on Customer's Currency
You can restrict the payment method to the currency set in the payment processing profile. With this preference set, only payment processing profiles that support the selected payment method and your customer's currency are displayed. If you use NetSuite OneWorld, the payment processing profile must also support the customer's subsidiary.
This setting takes precedence over the Restrict Payment Methods by Customer Currency preference which is found on the Shopping tab of your Website record at Commerce > Websites > Website List. This means that even if the Restrict Payment Methods by Customer Currency option is unchecked, only payment methods that support your customer’s currency are displayed. If no payment method matches your customer’s currency, no payment methods are displayed on the Payment Information page of your website.
To restrict a payment method based on the customer’s currency:
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In NetSuite, enable your account for multiple currencies. See Customers and Multiple Currencies for detailed information.
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Go to Setup > Accounting > Preferences > Accounting Preferences.
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Go to the Items/Transactions tab.
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In the Payment Processing area, check Use Strict Rules for the Selection of Payment Processing Profiles.
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Click Save.
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Go to the payment processing profile at Setup > Accounting > Financial Statements > Payment Processing Profiles.
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Click Edit next to the payment processing profile.
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Go to the Payment Information area.
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In the Charge Currencies field, select the currencies you want to use.
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Click Save.