Configure BillPro with CardCorp

BillPro Merchant Support sets up your profile based on your CardCorp merchant account and acquirer. This page explains each setting, so you can check it and ask for changes.

Before you start

• You need an admin or accountant role to view your profile.
• Only Merchant Support can change these settings. See View your profile.

Settings to agree with Merchant Support

1. Your company details, which appear in emails and checkouts.
2. Your acceptance currencies, and which one is your default currency.
3. The amount BillPro uses to check a card when an order has no initial payment.
4. Your payment channels: e-commerce, and phone payments if your business allows it.
5. Whether to offer Apple Pay and Google Pay.
6. Your purchase types. Single payment is always on. You can add instalments, subscriptions and metered billing.
7. When to send payment link reminders, and whether to cancel unpaid links and draft orders.
8. Whether to retry soft-declined billing events, and on which days.
9. Whether to suspend subscriptions when all retries fail.
10. Whether to send purchase confirmations for phone payments.

You can check your company details on the Profile Details tab, and items 6 to 9 on the Processing Details tab. Merchant Support manages the rest for you.

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Company information

Your company information includes your company and trading names, registered address, contact details for customers, and your business and legal information. BillPro uses it in emails, checkouts and the order portal.

For examples, see Notifications and Secure checkout.

To check it, open the profile menu, select Profile, then the Profile Details tab.

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Currencies

BillPro supports 192 currencies. Your acquirer usually decides which ones you can accept. Merchant Support sets these as your available currencies.

You can use your available currencies for products and orders, and customers pay in them. If a customer's card is in another currency, their issuer converts the payment.

Your default currency is one of your available currencies. New products use it by default.

To price products for different markets, create a product for each currency or use automatic currency conversions. See Configure currency conversions.

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Card registration amount

An order can have no initial payment. For example, an instalment plan with no deposit. The customer still goes through checkout, and BillPro checks and stores their card for the billing events.

If your acquirer supports zero-amount authorisation, the check is for 0. If it doesn't, BillPro reserves a small amount, your Default Initial Amount. This is usually less than 1 in the order's currency. The issuer releases it after a few days.

When a customer pays with a card they saved before, BillPro also checks that it is still valid.

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Payment channels

Your channels decide whether BillPro processes a payment with 3D Secure (3DS):

• ECOM (e-commerce) uses 3DS. Every merchant has it. Payment links and checkouts always use it.
• MOTO (phone payments) doesn't use 3DS. Merchant Support turns it on only if your business model allows it.

Merchant Support links each channel to one of your merchant accounts. They also set your default channel, which decides whether 3DS Verified starts on or off in the virtual terminal.

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PCI DSS Level 1 compliance

Merchants and customers enter card details into the payment gateway's iframe. The payment gateway is PCI DSS Level 1 compliant. BillPro doesn't process or store full card details. It shows masked card numbers and stores tokens for the cards held by the payment gateway.

For more details, see Payment channels.

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Wallets

Most acquirers support Apple Pay and Google Pay. Merchant Support can turn them on for BillPro checkouts. To offer wallets in a custom checkout on your own website, see Custom Checkout.

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Purchase types

Enable Purchase Types on the Processing Details tab shows the purchase types you can sell. Only enabled types are available when you price products.

• Single Payment: the full price, paid at the time of sale. Always on.
• Instalment: the price split across scheduled instalments.
• Subscription: a recurring charge at a fixed interval until cancelled.
• Metered: a usage-based charge at a fixed or variable interval.

See Purchase types.

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Payment reminders

After you send a payment link, the order is pending until the customer pays. The Payment Links section of the Processing Details tab shows how BillPro follows up:

• First Reminder (days), Second Reminder (days) and Third Reminder (days): when BillPro emails the customer a reminder, counted from the day the order was created. BillPro sends them only if the Order Reminder email is on. See Activate email notifications.
• Cancel Payment Links and Draft Orders: whether BillPro cancels unpaid links and draft orders. Auto-Cancel After shows when, from 1 week to 1 year.

You can also send a reminder yourself from a pending order. See Process pending orders. For the reminder email, see Order ready and reminder. BillPro never sends the reminder SMS automatically. See Order ready SMS.

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Auto-retry billing events

A soft decline is a temporary problem, such as insufficient funds, that may clear by itself. Card schemes allow up to 15 retries of a soft-declined payment in 30 days.

If Retry Soft Declines is on, BillPro retries a soft-declined billing event up to 3 times. First Retry (days), Second Retry (days) and Third Retry (days) set when, counted from the billing event's scheduled date. A common setup is days 1, 2 and 3.

BillPro stops retrying when a retry is approved or hard-declined. Without auto-retry, retry each failed billing event from the order's Billing Events tab.

See Auto-retry billing events.

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Auto-suspend subscriptions

Suspend Subscription Orders After Soft Declines applies to subscriptions. If it is on and all the retries fail, BillPro changes the order from Failed to Suspended. It stops collecting billing events until you update the card or a manual retry is approved.

If it is off, the order stays Failed and BillPro keeps collecting its later billing events.

flowchart TB
  Due["Billing event
  is charged"] -->|Approved| Paid["Payment approved"]
  Due -->|Soft decline| Retry["BillPro retries
  on days 1, 2 and 3"]
  Retry -->|Approved| Paid
  Retry -->|Hard decline| Stop["Retries stop"]
  Retry -->|All retries soft-declined| Sub{"Subscription with
  auto-suspend on?"}
  Sub -->|Yes| Suspended["Order is Suspended
  Update the card to reactivate it"]
  Sub -->|No| Failed["Order is Failed
  BillPro still collects billing events"]

To check these settings, open the profile menu, select Profile, then the Processing Details tab.

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Limit email notifications

By default, BillPro sends customers a purchase confirmation after their initial payment. See Purchase and refund confirmation.

If you take phone orders without customer email addresses, Merchant Support can turn on Only ECOM receipts. BillPro then sends purchase confirmations for e-commerce payments only, not phone payments.

Send emails when you can. Their links open the order portal, where customers view their orders, manage cards, and download invoices, receipts and credit notes.