Moneris

Moneris is Canada's largest payment processor that provides online payment solutions for business owners. In Ecwid, you can connect Moneris in two ways — by enabling Moneris Checkout or Moneris/eSELECT Plus Hosted Paypage. We recommend using Moneris Checkout since it is easier to connect it with your Ecwid store, and it supports Google Pay.

Your store must be located in Canada so you can add Moneris as a payment method.

Connecting Moneris Checkout

Moneris Checkout supports Multi-Currency Pricing (MCP) with the ability to price in over 120 currencies, including Canadian dollars.

Before connecting your Ecwid store with Moneris Checkout, you have to create a Moneris account. Once your account is activated, proceed with adding Moneris to your online store.

To add Moneris Checkout as your payment method to your Ecwid store:

  1. From your Ecwid admin, go to Payment.
  2. Scroll down to More options to accept online payments in Canada. In the Choose Payment Method select Moneris Checkout.
  3. In the popup window, click Install App:

    Moneris__1_.png

  4. In the Store ID field, enter your Moneris store ID. You will receive it once your Moneris account is approved.
  5. In the API token field, enter a token from Moneris. A token is assigned to you upon account activation. You can retrieve it from Admin → Store Settings in the Moneris Merchant Resource Center.
  6. In the Checkout ID field, enter your Checkout ID. Checkout ID is given to you when you configure your page in the Moneris Merchant Resource Center. You can retrieve it from Admin → Moneris Checkout Config in the Moneris Merchant Resource Center.
  7. Untick the Enable test mode in the Advanced settings to start using Moneris right away. Otherwise, your Moneris Checkout will be in test mode. If you want to try how Moneris works before starting to receive payments, tick the box.
  8. You can choose a name for the Moneris Checkout payment method that will be displayed at the checkout. By default, it’s Moneris Checkout. You can change it in the Payment method name at checkout field. It’s better to let your customers know about how they can pay for the order. For instance, Pay with credit or debit card.
  9. Turn on the Enable this payment method at checkout toggle.
  10. (optional) Add detailed instructions about the payment process for customers at the Set payment instructions at checkout field. You can leave this field empty since paying with Moneris is common for anyone who has ever paid with their credit card online.
  11. Click Save.

Accepting payments with Moneris Checkout

When a customer selects Moneris as the payment option at the checkout, they should click the Go to Payment button. They will be redirected to the Moneris page to complete the payment:

Moneris__3_.png

Once a customer enters their credit card details on the Moneris Checkout page and completes the payment, they will be redirected back to your store (successful order confirmation page or cart page with unfinished order).

Connecting Moneris/eSELECT Plus Hosted Paypage

Before connecting your Ecwid store with Moneris Hosted Paypage, you have to create a Moneris account. Once your account is activated, proceed with adding Moneris to your online store.

To enable and use Moneris Hosted Paypage as a payment option:

  1. From your Ecwid admin, go to Payment.
  2. Scroll down to More options to accept online payments in Canada. In the Choose Payment Method select Moneris/eSELECT Plus Hosted Paypage.
  3. Now you have to create a Hosted Paypage Configuration. To do so, log in to your account at the Moneris Merchant Resource Center.
  4. Go to the ADMIN → hosted config page and click Generate a Version 3 Configuration to create a new Hosted Paypage Configuration.
  5. Copy and save the values of Hosted Paypage ID (ps_store_id) and Hosted Paypage Token (hpp_key) configuration settings. Click Save Changes.
  6. In the Hosted Paypage Configuration:
    • Select Credit Cards as Payment Methods
    • Select Sent to your server as a POST as Response Method
    • In the Approved URL and Declined URL, enter the values from your store. You may find links to it in your Ecwid admin → Payment by clicking at the Moneris/eSELECT Plus Hosted Paypage payment method:

      Moneris__2_.png

  7. Set the Transaction Type you want.
  8. Click the Configure Appearance button in the Paypage Appearance section.
  9. In the Cancel Button URL, enter the value from your store. You may find links to it in your Ecwid admin → Payment by clicking at the Moneris/eSELECT Plus Hosted Paypage payment method.
  10. Save the аppearance settings.
  11. Click the Configure Security button in the Security Features section.
  12. Tick the Enable Transaction Verification, then set the Response Method option to select Displayed as key/value pairs on our server.
  13. Save the verification changes.
  14. (optional) If you plan to use InteracOnline, contact Moneris for InteracOnline receipt certification and validation process. You will be required to submit the receipts for validation as per InteracOnline requirements
  15. Return to the Ecwid admin and go to Payment → Moneris/eSELECT Plus Hosted Paypage.
  16. In the Hosted Paypage ID field, enter the ps_store_id value from step 5.
  17. In the Hosted Paypage Token, enter the hpp_key value from the step 5.
  18. In the Payment method name at checkout, enter the name you want your customers to see. You can leave it as is.
  19. Turn on the Enable this payment method at checkout toggle.
  20. (optional) Add detailed instructions about the payment process for customers at the Set payment instructions at checkout field. You can leave this field empty.
  21. Click Save.

Accepting payments with Moneris/eSELECT Plus Hosted Paypage

The Hosted Pay Page will redirect your customer during the checkout to a payment page which is hosted on Moneris’ secure servers. After payment, it will return a customer to your store.

Things to keep in mind

In the production environment, an individual must be granted permission to access and alter the hosted page configuration. User permissions may be updated by navigating to ADMIN and then selecting MODIFY USER from the submenu. Once you have found the user to be updated, click the Set Permissions and update their Administrative Permissions.

Each Moneris account may have up to five unique Hosted Paypage configurations. These do not equate to different stores, all transactions will be logged under the same store and will settle into the same bank account. Each configuration can have different appearance as well as handle responses in various ways.

Remember to activate your store. Once you receive your activation letter/fax, go to the Moneris website. You will need to input your store ID and merchant ID then click the Activate button. Once this is confirmed you will need to create an administrator account that you will use to log into the Merchant Resource Centre to access and administer your Moneris store. Please note that the API TOKEN that you receive during Activation is NOT the token you require for the Hosted Paypage request.

FAQ

What are the transaction fees?

Moneris has a MDR (Merchant Discount Rate). It is the amount that you are charged for processing transactions. MDR is impacted by several cost components, including Interchange or Wholesale Discount, assessments, processing, settlement, and reporting fees. This means your MDR could include Qualified Fees, Non-Qualified Fees, and Differential Fees. You can learn more about Moneris’ fees at the Moneris Help Center, or by obtaining a quote from the Moneris support to get an idea of what your costs will look like.

When do I get the money?

Once a customer pays for an order, the money doesn't immediately go to your bank account. For a short period of time, they’re batching between Moneris and your bank. To put it simply, batching is when the banks are “communicating” between themselves and “agree” to transfer money from a customer to a merchant. After the settlement, the transaction is checked with the payment processor. Once everything is complete, the funds are ready to be received in your bank account.

You can learn more at Moneris Support.

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