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Virtual Card Services (VCS)

Virtual Card Services (VCS) is a payment service provider for all the major banks in South Africa and for the State Bank of Mauritius. You can use VCS to accept payments in your Ecwid online store.

Setting up your Virtual Card Services account

To integrate Virtual Card Services into your Ecwid store, you need to set up a VCS account.

To set up your Virtual Card Services account:

  1. Log in to your VCS account at PayGate, Client Login → VCS Virtual Terminal → Login.
  2. Go to Merchant Administration → Vcs Interfacing.
  3. Set the merchant’s approved and declined URLs to: (where STORE_ID is your Store ID).
  4. Set Http Method to POST.
  5. Save the changes.
  6. Go to the Merchant Administration → Callback Settings.
  7. Set the merchant’s approved and declined URLs to: (where STORE_ID is your Store ID).
  8. Set CallBack Protocol to HTTPS and CallBack Method to POST.
  9. Set Response Format to Name Value Pairs.
  10. Save the changes.
  11. Go to Merchant Administration → Vcs Interfacing.
  12. Enter Merchant PAM (Personal Authentication Message). It’s a security feature used to confirm that the response is from VCS.
  13. Send an email to with your secret word and quoting your "VCS Terminal ID", requesting that the Hash Type be set to MD5.

Enabling Virtual Card Services in your Ecwid store

After you set up your Virtual Card Services account, you can integrate the payment method into your Ecwid store.

To enable Virtual Card Services in your Ecwid store:

  1. From your Ecwid admin, go to Payments.
  2. Scroll down to More options to accept online payments and choose Virtual Card Services from the dropdown.
  3. On the opened page, enter your Virtual Card Services terminal ID, Secret word, and Merchant PAM:


  4. In the Appearance options block, turn on the Enable this payment method at checkout toggle.
  5. (optional) In the Payment method name at checkout field, change the name of the payment method that your customers see.
  6. (optional) Click Set payment instructions at checkout‍ to add any guidance for your customers about the payment method.
  7. (optional) Click Limit availability by shipping method to‍ link the Virtual Card Services payment method with any particular shipping method.
  8. Click Save.

That’s it! Now you can accept payments from your customers with Virtual Card Services.

Before going live with Virtual Card Services, make sure the currency in your Ecwid store is the same as in your Virtual Card Services account. You can set up currency in Settings → General → Regional Settings.

Accepting payments with Virtual Card Services

After you enable Virtual Card Services in your Ecwid store, your customers will be able to choose this payment option at the checkout. Then they will have to fill in their payment information to place an order.

You can always check what payment method has been used for an order by viewing an order’s details in your Ecwid admin → My Sales → Orders. For Virtual Card Services, you will see Virtual Card Services in the payment details. You can easily find all orders paid through Virtual Card Services by using the order filters in your store admin.

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