Create your product catalogue

Products are the goods and services you sell. Every order contains at least one product, so create your products before you take payments.

For the complete documentation index, see llms.txt

Product types

The product types you can use depend on your business model and merchant account. They're set in Processing Details on your profile. See Configure BillPro with CardCorp.

Type	Use it for	See
Single payment	One-time purchases. An order can have several single payment products, and you can split its payment into instalments.	Create a single payment product
Instalment	Purchases paid over time: an optional deposit, then equal payments on a schedule. One product per order.	Create an instalment product
Subscription	A fixed price charged at a regular interval until it's cancelled. Fees and discounts can apply to the first payment only.	Create a subscription product
Metered	Usage-based billing. You charge any amount, whenever you need to.	Create a metered product

Single payment and subscription products can also have a public product page. See Product page overview.

What a product contains

Details: a name, your own product ID, a short and a long description, a unit and a group.
Price: the price in one of your currencies, with an optional fee, discount and tax. Tax is always included in the price.
Locks: Lock Price stops users changing the price in orders. Instalment and subscription products can also lock their payment configuration or charge interval.
Status: inactive products can't be used in new orders.

Create a product

On the navigation bar, click + and select Add Product. Or go to Products › Products List and click +.
Enter the product details, then click Next. Only Product Name is required. Click More Options for the long description and group.

Product details
Choose the Purchase Type and click Next.

Choose the purchase type
Set the price, and the payment configuration for instalments. The steps depend on the type: see the pages linked in the table above.
Click Finish.

To create products, you need an admin role. Other roles can view products but not change them. See Manage users.

Getting started with products

Decide how you sell:
- Does the price change from order to order? Then leave Lock Price off.
- Can customers choose to pay in full or in instalments? Then leave the payment configuration unlocked.
Set up the building blocks. See Create product groups and pricing elements.
- Taxes, discounts and fees you use often.
- Groups, to filter your catalogue.
- Units, such as Policy or Month.
Create your first product. See Create a single payment product.
Create more products, or adjust your first one. You can keep products simple and set the price in each order, or lock everything for consistent selling.

Pricing and payment configuration options

You decide how much of the price and payment terms users can change in orders.

Lock them in the product. Users can't change them in orders. This suits fixed prices and terms, saves time and avoids mistakes.
Leave them unlocked. Users set them in each order. This is more flexible, but agents do more work and take more responsibility.
Mix both. For example, lock the price but let users choose the payment terms.

Currencies

You may be able to accept payment in more than one currency. In this case, you can create a separate product for each currency, and maintain your products and their pricing. Or, you can create a single product in your base currency and BillPro will use currency conversions (either automatic or with your rates). See Configure currency conversions

Choose between single payment or instalment products

You may want to offer the same product with both single-payment and instalments. Here are some things to consider when deciding which type of product to create in BillPro

When working with the UI, consider the following points.

For single-payment products:

The user can add multiple products to one order.
The user can always split payments to create instalments, and configure the instalment payments.
You cannot lock payments. If you lock pricing, the user cannot change the total amount and pricing elements. Even if pricing is locked, the user can still split payments in an order.

For instalment products:

The user can only add one product to an order.
If you lock pricing, users cannot change an order's total amount or pricing elements. If you do not lock the payment configuration, the user can still make a single payment in the order.
If you lock pricing and payment configuration, users cannot change the pricing or payments. In this case, the user cannot take a single payment for an order.

See Create a single payment product and Create an instalment product.

Create products to use with the API

You can also create orders from your business systems and integrate with the BillPro API . This allows you to automatically set custom pricing and payment configurations. You control the pricing and payment configuration, and your sales agents process the payments.

When you create orders with the API, the order must always have the same purchase type as the product. You cannot activate or deactivate the option to Split Payments.

When you create orders with the API, you can set a new configuration if the product's pricing or payment configuration is not locked. You cannot select pricing elements (as in the UI), and you must always set an amount for each pricing element. If the initial payment will be 0 because there is no deposit or a large initial discount, you must set the correct pre-authorisation amount.

For more details, see Orders.