Configure BillPro with CardCorp

The BillPro Merchant Support team will set up your merchant in the platform based on your merchant account and acquirer.

This is an overview of how to check the configuration of BillPro for a CardCorp merchant account.

1. Check your company details, which will appear in email notifications and checkouts.
2. Select one of your acceptance currencies as your default base currency.
3. Set your Default initial amount in BillPro for card registration when the amount is zero.
4. Select your payment channels, which can be phone payments or e-commerce.
5. Decide if you wish to use Apple Pay and/or Google Pay wallets. Most acquirers support these wallets. BillPro Merchant Support will configure them for BillPro checkouts. To use the wallets in a custom checkout on your own website, complete the steps at Integrate with custom checkout and payment iframe.
6. Select your purchase types. The single payment type is always available. Your business model may also allow you to accept recurring payments. Recurring payments include subscriptions, instalments, or metered billing.
7. Decide if you wish to automatically retry billing events, and specify the days for retries.
8. Decide if you will use the Auto-pause option to suspend subscriptions when all the retries are consumed.
9. Decide if you will automatically remind customers of pending orders and specify the days for reminders.
10. Decide if you will send purchase confirmations for phone payments. If the email address in a customer's account is valid, then they will receive the email notification. They can use the link in the email notifications to open the order portal. Here they can view their order details, manage cards, and download invoices, receipts, and credit notes.

The following sections describe the configuration options of CardCorp merchant accounts in BillPro.

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Company information

Your company information includes company details, registered addresses, and your business profile with contact details. BillPro uses this information for email notifications and checkouts.

For examples of how your company information appears, see Notifications and Secure checkout

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Currencies

BillPro supports 192 currencies. However, your acquirer usually defines your acceptance currencies. BillPro Customer Service configures the acceptance currencies in BillPro.

You can use your acceptance currencies to create products and orders. And your customers can pay you with these currencies. If customers use other currencies, the customer's issuer will convert to an acceptance currency.

The default base currency is one of your acceptance currencies. It will be the default currency for your products.

To price products for different markets, you can create separate products for each currency or use automatic currency conversions. For more information, see Configure currency conversions.

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Card registration amount

In BillPro, you can create an create recurring payment orders with no initial payment. For example, you can create instalments with no deposit. In this case, the customer should register a card for their recurring payments.

To register a card, BillPro makes a pre-authorisation transaction. This reserves an amount on the card to check that it is valid.

If your acquirer supports zero auth, the amount to reserve is 0. If your acquirer does not support zero auth, you can decide on a small amount to reserve. Usually, this should be less than 0.99 currency units, but the amount depends on the currencies you are using.

When a customer selects a previously saved card, BillPro also uses a pre-authorisation to check the card is still valid.

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Payment channels

BillPro channels let you create separate configurations and payment flows for different transactions. BillPro Merchant Support configures your channels to process payments for your merchant accounts. The channel types can be MOTO for phone payments and ECOM for ecommerce.

E-commerce is the main payment channel. It is always available to all merchants in BillPro. For some business models, you may also be able to use a phone payments channel.

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PCI DSS Level 1 compliance

In BillPro, merchants and customers enter card details directly into the payment gateway iframe. The payment gateway has PCI DSS Level 1 compliance. BillPro does not process or store sensitive card data. BillPro displays masked card numbers and stores tokens to represent the cards that are stored in the payment gateway.

For more details, see Payment channels.

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Purchase types

BillPro Customer Service will configure your merchant's purchase types. The types available depend on the characteristics of your merchant account.

The single payment type is always available to all merchants. Depending on your business model, you may also be able to accept recurring payments with the subscription, instalment, or metered purchase types.

For details of purchase types, see Purchase types.

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Auto-retry billing events

By default, after a billing event fails with a soft decline, the issue may resolve itself without your intervention. The card schemes let you retry a soft-declined transaction up to 15 times within 30 days.

By default, BillPro retries a soft-declined billing event on days 1, 2, and 3 after the scheduled collection date. After BillPro consumes all the automatic retries, it deactivates the auto-retry functionality. If a payment is approved or hard declined, It also stops immediately.

To retry payments without this option, you can open each failed order and open the payments pop-up and select the retry option.

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Auto-suspend subscriptions

For subscriptions, you can activate the auto-suspend option. If it is active and all the auto-retries are consumed for a billing event, BillPro suspends the order. To reactivate the order, you must update the card. If auto-suspend is not activated, then the order continues to have a Failed status, and BillPro still tries to collect billing events.

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Payment reminders

You can use BillPro to send email notifications to your customers with payment links to open a secure checkout. After you generate a payment link, the order becomes pending until the initial payment is approved.

If you select the Send Reminder option, BillPro automatically sends reminder emails for pending orders. By default, BillPro sends one email every two days. BillPro can send up to 3 reminder emails.

For an example of the automatic reminder email, see Order ready and reminder emails. The reminder SMS is the same as the Order ready SMS, but BillPro doesn't send it automatically. See also Process pending orders.

To send reminders without this option, you will need to go into each pending order and select the reminder option.

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Limit email notifications

By default, BillPro sends customers a purchase confirmation after they make their initial payment. See Purchase and refund confirmation. If you are processing phone orders without saving customer email addresses, you can turn off purchase confirmations for phone orders. This option is Only ecom receipts in the merchant profile.

The advantage of sending email notifications is that they contain payment links that let customers open the order portal. Here they can view their order details, manage cards, and download invoices, receipts and credit notes.