Payment providers (credit cards, online payments)¶
PerfectWORK embeds several payment providers that allow your customers to pay on their Customer Portals or your eCommerce website. They can pay sales orders, invoices, or subscriptions with recurring payments with their favorite payment methods such as Credit Cards.
Offering several payment methods increases the chances of getting paid in time, or even immediately, as you make it more convenient for your customers to pay with the payment method they prefer and trust.
Note
PerfectWORK apps delegate the handling of sensitive information to the certified payment provider so that you don’t ever have to worry about PCI compliance.
This means that no sensitive information (such as credit card numbers) is stored on PerfectWORK servers or PerfectWORK databases hosted elsewhere. Instead, PerfectWORK apps use a unique reference number to the data stored safely in the payment providers’ systems.
Supported payment providers¶
From an accounting perspective, we can distinguish two types of payment providers: the payment providers that are third-party services and require you to follow another accounting workflow, and the payments that go directly on the bank account and follow the usual reconciliation workflow.
Online payment providers¶
Payment flow from |
||||||
|---|---|---|---|---|---|---|
PerfectWORK |
✔ |
Full only |
Full and partial |
|||
The provider website |
✔ |
|||||
The provider website |
✔ |
Full only |
Full and partial |
✔ |
Note
Some of these online payment providers can also be added as bank accounts, but this is not the same process as adding them as payment providers. Payment providers allow customers to pay online, and bank accounts are added and configured on your Accounting app to do a bank reconciliation, which is an accounting control process.
Tip
In addition to the regular payment providers that integrate with an API such as Stripe, PayPal, or Adyen, PerfectWORK bundles the Demo payment provider. This payment provider allows you to make demo payments to test business flows involving online payments. No credentials are required as the demo payments are fake.
Bank payments¶
- When selected, PerfectWORK displays your payment information with a payment reference. You have to approve the payment manually once you have received it on your bank account.
Additional features¶
Some payment providers support additional features for the payment flow. Refer to the table above to check if your payment provider supports these features.
Tokenization¶
If your payment provider supports this feature, customers can choose to save their card for later. A payment token is created in PerfectWORK and can be used as a payment method for subsequent payments without having to enter the card details again. This is particularly useful for the eCommerce conversion rate and for subscriptions that use recurring payments.
Enable this feature by navigating to the Configuration tab from your payment provider and by ticking the Allow Saving Payment Methods checkbox.
Note
You remain fully PCI-compliant when you enable this feature because PerfectWORK does not store the card details directly. Instead, it creates a payment token that only holds a reference to the card details stored on the payment provider’s server.
Manual capture¶
If your payment provider supports this feature, you can authorize and capture payments in two steps instead of one. When you authorize a payment, the funds are reserved on the customer’s payment method but they are not immediately charged. The charge is only made when you manually capture the payment later on. You can also void the authorization to release the reserved funds; this is equivalent to a regular cancellation. Capturing payments manually can prove itself useful in many situations:
Receive the payment confirmation and wait until the order is shipped to capture the payment.
Review and verify that orders are legitimate before the payment is completed and the fulfillment process starts.
Avoid potentially high processing fees for cancelled payments: payment providers will not charge you for voiding an authorization.
Hold a security deposit to return later, minus any deductions (e.g., after a damage).
Enable this feature by navigating to the Configuration tab from your payment provider and by ticking the Capture Amount Manually checkbox.
To capture the payment after it was authorized, go to the related sales order or invoice and click on the CAPTURE TRANSACTION button. To release the funds, click on the VOID TRANSACTION button.
Note
Some payment providers support capturing only part of the authorized amount. The remaining amount can then be either captured or voided. These providers have the value Full and partial in the table above. The providers that only support capturing or voiding the full amount have the value Full only.
The funds are likely not reserved forever. After a certain time, they may be automatically released back to the customer’s payment method. Refer to your payment provider’s documentation for the exact reservation duration.
PerfectWORK does not support this feature for all payment providers but some allow the manual capture from their website interface.
Refunds¶
If your payment provider supports this feature, you can refund payments directly from PerfectWORK. It does not need to be enabled first. To refund a customer payment, navigate to it and click on the REFUND button.
Note
Some payment providers support refunding only part of the amount. The remaining amount can then optionally be refunded too. These providers have the value Full and partial in the table above. The providers that only support refunding the full amount have the value Full only.
PerfectWORK does not support this feature for all payment providers but some allow to refund payments from their website interface.
Express checkout¶
If your payment provider supports this feature, customers can use the Google Pay and Apple Pay buttons to pay their eCommerce orders in one click without filling the contact form. Using one of those buttons, customers go straight from the cart to the confirmation page, stopping by the payment form of Google or Apple to validate the payment.
Enable this feature by navigating to the Configuration tab from your payment provider and by ticking the Allow Express Checkout checkbox.
Note
All prices shown in the express checkout payment form are always taxes included.
Extra Fees¶
If supported by the payment provider, you can add extra fees to online transactions. Fees can be configured either as fixed amounts and percentages, variable amounts and percentages, or both simultaneously. These can be applied according to domestic or international geolocation.
To enable fees, from the eCommerce or Accounting app, head to and select the desired supported provider. Click on the Fees tab and check the Add Extra Fees box. Configure the settings to your needs.
Note
Fees are calculated on the tax-included price.
Configuration¶
Note
Each provider has its specific configuration flow, depending on which feature is available.
Add a new payment provider¶
To add a new payment provider and make it available to your customers, go to , look for your payment provider, install the related module, and activate it. To do so, open the payment provider and change its state from Disabled to Enabled.
Warning
We recommend using the Test Mode on a duplicated database or a test database. The Test Mode is meant to be used with your test/sandbox credentials, but PerfectWORK generates Sales Orders and Invoices as usual. It isn’t always possible to cancel an invoice, and this could create some issues with your invoices numbering if you were to test your payment providers on your main database.
Credentials tab¶
If not done yet, go to the online payment provider website, create an account, and make sure to have the credentials required for third-party use. PerfectWORK requires these credentials to communicate with the payment provider.
The form in this section is specific to the payment provider you are configuring. Please refer to the related documentation for more information.
Configuration tab¶
You can change the payment provider’s front-end appearance by modifying its name under the Displayed as field and which credit card icons to display under the Supported Payment Icons field.
Countries¶
Restrict the use of the payment provider to a selection of countries. Leave this field blank to make the payment provider available in all countries.
Maximum Amount¶
Restrict the maximum amount that can be paid with the selected provider. Leave this field to 0.00
to make the payment provider available regardless of the payment amount.
Important
This feature is not intended to work on pages which allow the customer to update the payment amount. For example, the Donation snippet of the Website app, and the Checkout page of the eCommerce app when paid delivery methods are enabled.
Payment journal¶
The Payment journal selected for your payment provider must be a Bank journal.
Publish on the website¶
By default, payment providers are unpublished, which means that only internal users can see them on the website. Your customers cannot make payments through an unpublished provider but they can still manage (delete and assign to a subscription) their already existing tokens linked to such an provider. This conveniently allows you to test an provider while preventing making payments and registering new tokens.
Click on the Publish button located in the top right corner of the provider’s form to publish it on the website and make it available to your customers. Click on the Unpublish button to unpublish it.
Tip
Payment providers are automatically published and unpublished when you respectively change their
state to enabled and test.
Accounting perspective¶
The Bank Payments that go directly to one of your bank accounts follow their usual reconciliation workflows. However, payments recorded with Online Payment Providers require you to consider how you want to record your payments’ journal entries. We recommend you to ask your accountant for advice.
You need to select a Payment Journal on your provider configuration to record the payments, on a Outstanding Account. The Journal’s type must be Bank Journal.
You can use a single journal for many payment methods. And for each payment method, you can either:
Define an Accounting Account to separate these payments from another payment method.
Leave blank to fallback on the default account, which you can see or change in the settings.
You can have the same bank account for the whole company, or for some journals only, or a single payment method… What best suit your needs.