Authorize.net

Authorize.net is a 3rd party payment gateway that can be used as an alternative to SmartEtailing Payments, and/or in addition to PayPal.

When an order is placed on a site with Authorize.net activated, credit card transactions are automatically pre-authorized or declined, and payments must be manually captured.

How to Get Started

  • Authorize.net integration is available at no additional charge on your SmartEtailing website.

    • However, fees are charged by Authorize.net and your Internet Merchant Account Provider.
  • To get started, you need to apply for an Authorize.net account and/or Internet Merchant Account together.
    • It is possible that you may be able to establish an Internet Merchant Account through your existing in-store merchant account provider. 
Note: aside from the retailer, there are two financial institutions involved in the processing of the transaction. One is the Gateway Provider, and the other is a Merchant Account Provider. In order to comply with credit card company policies, a retailer must establish an Internet Merchant Account for their website that is distinctly different from the Merchant Account for their store. Remember, when creating your Payment Gateway account and when given the choice of what type of account, choose e-commerce. If your Payment Gateway account is set up as a retail account, it will not work with the website.

How to Set Up Authorize.Net in Your Site Manager

  • After your Authorize.net account is activated, go to Commerce > Payment Methods > Authorize.net.
  • Copy and paste the API Login ID and Transaction Key found in your Authorize.net account.
    • Please ensure your Authorize.Net Gateway account is NOT in test mode (this setting is found in your Authorize.net account).

How it Works

  • A customer places an order on your website.
  • Authorize.net receives the transaction, securely encrypts it, and submits an authorization request to the customer's Credit Card Issuer.
  • The authorization (or decline) response is returned via Authorize.net to your website.
  • The pre-authorized transaction must be manually captured (from within the order) to complete the transaction.
  • Authorize.net sends the settlement request to your Merchant Account Provider.
  • The Merchant Account Provider deposits funds into your account.