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Overview

CiviContribute can be used to record and manage payments accepted through channels outside of CiviCRM, such as checks, money orders, cash, and PoS terminals. However, it is very convenient to allow users to make payments directly through CiviCRM pages for donations, memberships, and events. This requires the organization to get an account with payment processor, and to configure a CiviCRM payment processor plugin to connect with your account at the payment processor. Once setup, you likely will not need to change the configuration again.

Plugins are available to enable CiviCRM to process payments directly via several payment processors. Their features, the countries they are available in, their costs, their ease of use by your users, and whether you need a Merchant account a bank or an SSL certificate for you website vary by payment processor. This information is tabulated below for your reference.

Setup and Configuration

To setup a new payment processor, click on Administer > System Settings > Payment Processors, Add Payment Processor. 

Select a Payment Processor Type that corresponds to the payment processor you have setup an account with after referring to the Processor Comparison Chart below. Provide a name for the payment processor that will be used to enable the payment processor on Contribution and Event Pages in your system. Select a Financial Account that your bookkeeping system uses to track monies in the payment processor account. Usually you will want to have a separate Financial Account for each payment processor. 

Optionally provide a description for the payment processor, and indicate if the payment processor should be Enabled, which makes it available for use on Contribution and Event pages. For convenience in configuring those pages, you can indicate that one payment processor is the Default.

The remaining fields to be setup on this form vary by Payment Processor. Refer to the links in the individual Processor Configuration Guides below for setup instructions for your specific payment processor type.

Processor Comparison Chart

See http://book.civicrm.org/user/contributions/payment-processors for an overview of things to consider when selecting a processor.

Processor Name

Type (externally hosting/
SSL on site)

Recurring
contributions /

Auto-renew Memberships

Regional
Availability

Merchant
account required

Comments

Website

Contributed/
supported by?

 

 

Dummy

 

 

 

 

For testing

 

 

 

 

Authorize.net

SSL

Yes

 

Yes

Recurring contributions require ARB support, which is an additional monthly fee.

Possibly cheaper through a re-seller than direct (unconfirmed rumour). Only AIM and ARB methods (not SIM) are supported.

 

CiviCRM Core Team (as of v3.3.2).

 

 

PayPal_Standard

External

Yes

Multi currency -  supports just about   everywhere

No

Accepted Paypal payments too.
Can be confusing for users who only want to pay by credit cards. High abandon rate
There is a delay in withdrawing funds of
  3-5 days and withdrawals need to be manually actioned

 

CiviCRM core team

 

 

PayPal Pro

SSL

Yes

Multi currency -  supports just about   everywhere

 

Recurring contributions require not only a fee to upgrade to "Pro" but an additional fee for the Recurring add-on feature.  Paypal only accepts recurring payments through Credit Cards.  Paypal does not process recurring ACH payments.
NOTE: New PayPal Pro accounts require you to use PayFlow for recurring payments. PayPal intends to migrate all PayPal Pro accounts to use Payflow at some future point.

 

CiviCRM core team

 

 

Paypal Express

SSL on site or paypal off-site?

 

Multi currency -  supports just about   everywhere

 

 

 

CiviCRM core team

 

 

Google_Checkout

External

 

 

 

 

 

?Community contributed?

 

 

Moneris

SSL

Users can create recurring contributions, but subsequent contributions must be entered manually into CiviCRM. 3rd party script providing automation of this process may be available from Koumbit.org

 

 

 

 

Community contributed

 

 

PayJunction

SSL

 

 

 

 

 

 

 

 

IATS

SSL

Yes, sort of.

CA, US, AU, UK, Euros, NZ

No

IATS only services non-profits and gets a better rate because of that. Recurring contributions are a little tricky, but possible.

[http://www.iatspayments.com/english/index.html]

IATS Configuration (in CiviCRM)

Community contributed (Alan Dixon)

 

 

Payment Express
(DPS)

External

No, Payment Express
can do 'triggered' recurring transations but
there is no CiviCRM support for this

NZ - this is the most significant card processor in NZ
DPS are certified with banks in Australia, New Zealand, Pacific Islands, Singapore, South Africa, USA and United Kingdom.

Yes

This option is a good one if you do a lot of transactions (e.g. $1000-$2000 per month)
You can expect to pay a monthly rate for this and possibly a monthy fee to DPS - depending on your bank's package.
 
If you are in New Zealand Westpac sells this as its WIPS plus product. At time of writing this was cheaper than the other banks.We found that although they told us we needed to have other accounts with Westpac this was primarily a credibility issue and they were prepared to trust us based on our personal history with them.
Both pxaccess & pxpay methods are supported.

[http://www.paymentexpress.com/index.html
]

Community contributed (Eileen & Lucas Baker)

 

 

Paymex

External

No

NZ

No

Good kiwi option for low volume. 3.25% & no set up fees but you do need to withdraw your money manually

 

Paymex have written the code and it is available from their site

 

 

eWay

SSL

Code written but needs further customisation, see work in progress

Australia + ??

?

In Core

 

Community Contributed (Peter Barwell of Dolphin Software, Henare Degan, Chris Ward)

 

 

First Data /
Global Gateway

SSL

No code written but processor can support it

?

?

This code is still being tested and is not in the Core yet

 

Community Contribution (Eileen)

 

 

Elavon / Nova

SSL

No code written but processor can support it

 

 

In Core

 

Community Contribution (Eileen)

 

 

World Pay

 

 

 

 

Search Forums for latest. Code has been written but not ?yet? available to community

 

?

 

 

Sogenactif

External

 

 

 

Code under Development

 

Community Contribution (Eileen)

 

 

eProcessing Network

SSL

No code written but processor can support it

 

Yes

Offers emulation of Authorize.NetTM.  Does not support recurring payments using Emulation mode.

http://www.eprocessingnetwork.com/Utilities.html

 

 

 

Quickbooks Merchant Services

SSL

Not yet

 

Yes

In Development.  Check back soon!  Contact us for collaboration or funding.

 

Community Contributed (Shawn)

 

 

Payflow Pro

SSL

No code written but processor can support it

 

 

Contributed

 

Community Contribution (Eileen)

 

 

Barclays

SSL

 

 

 

Contributed

 

Community Contribution (Eileen)

 

 

Card Access ServicesExternalNo code written but processor can support itAustralia + many banks worldwideYesPCI compliant hosted payment transaction processing

http://developer.cardaccess.com.au/en/civicrm-integration/

Card Access Services  
VancoSSLYes YesRequires Drupal module. Includes ACH (electronic check) capabilitieshttps://drupal.org/project/vanco_paymentBackOffice Thinking  
StripeSSLYes (there are some reported issues with recurring contributions as of Dec 2013)United States, Canada, the UK, IrelandYes

Extremely fast & easy merchant account setup. All you need is an email address & bank account you want the money to go to.

PCI compliance is a breeze because card numbers aren't used. Stripe uses javascript which 'tokenizes' the card data just before form submission.

Provider:
https://stripe.com/

Developer:
http://drastikbydesign.com/

Community Contributed
(drastik-jw) 
  
clickandpledgeSSLNoUnited States and ?NoProvided by clickandpledgehttps://github.com/ClickandPledge   

*Note that 'triggered recurring' refers to where a processor retains the authorization on the credit card and will recharge it on request. This is not currently implemented in civiCRM.

Click on the appropriate link below for information on set-up for your processor of choice.

This page will be updated as support for additional processors becomes available. If you are interested in developing a plug-in for another processor - review this page. Then contact the CiviCRM development team at civicrm-dev@lists.civicrm.org if you need further guidance.

Configuring SSL for Your Online Contribution Pages

If you select a payment processor configuration where users are entering their credit card information in a form on your site (such as PayPal Pro, Authorize.net, PayJunction or Moneris), you will also need to configure your web-server and CivCRM to support SSL (secure encrypted) pages.

Check with your server administrator or hosting service for information on obtaining an SSL certificate and configuring your web server to support SSL encrypted pages (more info...|CRM:SSL Configuration for Apache and CiviCRM].

Once you have verified that you can access pages in your site using _https://yoursite.org/_ then configure CiviCRM to either use SSL for all pages (this is more secure) or at least redirect all online contribution pages to use SSL:

  • Navigate to Administer » System Settings » Resource URLs
  • Set Force Secure URLs (SSL) to YES and save your change.
  • Verify the new setting by clicking Test-drive or Live Page from Administer » CiviContribute » Manage Contribution Pages. Your contribution forms should automatically redirect to https://... and you should see the encryption (lock) symbol in your browser.

NB: For the highest security when not using externally hosted payment processors, it is best to deploy your site using https only, rather than redirecting from http pages to https for contribution pages (see http://drupal.org/https-information).

Processor Configuration Guides

Authorize.net Configuration 

First Data / Linkpoint / Global Gateway

Google Checkout Configuration 

Moneris Configuration Guide

PayJunction Configuration 

PayPal Website Payments Pro and Express Configuration

PayPal Website Payments Standard and Recurring Contributions

IATS Configuration

eProcessing Network Configuration

Card Access Services CASConnect Configuration