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- Duda Support > Responsive Website Builder > eCommerce
Introduction: Dude, where's my money? Or, How do I receive payments?
When you're buying something in a retail store, the payment is clear: you give cash or your card to the seller who charges you on the spot.
What about online stores? "How can I get my money?" is a question you may be asking yourself when thinking of opening such a shop with Duda. We say, "It's easy, as well."
With Duda, you will run a robust online store that is built right into your site pages, and we provide different ways to accept payments, starting from wire transfers to credit cards. This article will shed light on how it all works and what to do to receive payments.
From the beginning...
How do customers make purchases in Duda?
Let's split the purchasing process into several steps:
- Russ browses your catalog, adds some items to the bag, and goes to checkout (opens his bag and clicks the 'Checkout' button).
- He submits a shipping address (if the items are shipped) and picks a shipping method.
- Russ chooses a payment method and submits his billing address.
- He completes the order.
Step #4 can be divided into more steps, and differs depending on what payment method is chosen. We will break it down later, and now we're concentrating on general information about payment methods.
What is a payment method?
So you've got your first order. You're contemplating its details in your Duda control panel at the Sales page. And here comes The Question, "Where did the money go?". The first thing you should know is that Duda doesn't store or transfer the money to you. Rather, it serves as a go-between in processing payments: Duda keeps your customers' order data and provides you with tools to arrange payments and manage the orders. Payment methods in Duda are ways your customers will send you the money for your goods. Generally every online store can support two types of payment methods: online and offline.
Online payment means that the funds are transferred to you (to your payment account) immediately when the customer confirms the payment.
Offline payment implies that the money is transferred later since the customer is supposed to arrange the transfer offline; for example, going to a nearby bank to transfer the money (that would be bank/wire transfer payment method), giving the customer a call to agree on the payment ("Phone order" payment method), or customer giving the cash to the courier, etc.
Let us go into detail on each method type.
Online payment methods
The process of receiving money for your sales via an online payment method involves three parties:
- Your Duda store.
- The payment gateway: a special system, located outside your store but connected to it on a programming level, that processes your customers' credit cards (or e.g. PayPal accounts) and does charging
- Your merchant account at the payment gateway connected to your bank account.
To put it simply, your store connects to the payment gateway, transmits the order details, the payment gateway processes the customer's credit card and transfers the money to your merchant account. Then you can withdraw the funds to your bank account and pay your bills or go on vacation.
Online payment methods can be narrowed down to 2 options:
- Accepting credit/debit cards.
- PayPal, a leading payment processor in US presently. To provide credit card payment option, you should choose a payment gateway through which your funds will be processed. So your next question is...
What payment gateway should I choose for my store?
Choosing a payment gateway means choosing a company (payment processor) who meets the following criteria:
- They accept payments in your region (i.e. where you live or run your business) and allow paying with your currency. It could be a company working solely in your country like PayPal, etc).
- Their services meet your business requirements.
- Their plans and prices suit your budget. Most of the payment systems apply transaction fees. To learn exact fees, you should contact customer service of the payment company that you're considering. Below you will see a full list of payment gateways that are already connected with Duda.
What online payment methods can I use in Duda?
Here is a list of all online payment methods that work in Duda. With all these methods, you don't have to do any programming as they're already programmed in Duda.
So, what do I need to start accepting credit cards?
- Open a bank account where you will transfer the money from your purchases.
- Find a payment company/processor from the list above.
- Create an account with the chosen company.
- Configure the payment method in your Duda store according to instructions from our knowledgebase.
- Make sure it works properly. A recommended way would be to create a test product, e.g., $0.01 and try to buy it as a usual customer. If the payment is setup correctly, your order will be recorded in Accepted status in your Duda control panel.
Next we will elaborate on the offline payment method type.
Offline payment methods
Offline payment methods are payment options that don't require customers to submit a credit card or any other real-time transactions. You may want to use those options if you want money to change hands after placing orders rather than at checkout. For example, such a workflow would fit your business processes if your customers are supposed to pay via offline bank transfer (wire transfer) - in such a case, at checkout a customer gets all the necessary information, such as your bank account details and total order cost, and then makes the actual payment.
Offline payment workflow in Duda
When an offline payment is used, no actual payment is supposed to take place at checkout. Instead of it, a customer is informed of how to transfer money to a seller and whom and how to contact after the payment. They go through all checkout steps and place an order by pressing the 'Place order' button - after that a customer sees the order confirmation page, the order is saved in your store and email notifications are sent. Instantly, it becomes visible in your Duda control panel along with all necessary details about customer and ordered items. Such orders get "Queued" status, which indicates that the order was placed successfully, but you haven't received any funds yet. Again, in case of using an offline payment method, a customer isn't charged at the checkout, nothing asks them to submit a credit card payment or any other real-time payment transaction in your store. The payment itself is expected to be done outside Duda after the order is placed. As soon as the customer pays for it and you receive the money, you can change the order status to 'Accepted' and ship the ordered items to a customer.
Supported offline payment options
By means of Duda's built-in offline payment options, you can set up any offline payment in your store. There are three offline methods types, which all work the same way described above except for the details they ask customer to fill in. You can base your store's offline payment methods on them. They are listed below.
When this payment processor is used, a customer is not asked for any payment details at checkout apart from the standard address form. You can use Offline basic for any custom offline payment option you want. For example, it can be used for setting up the following payment methods in your store:
- Wire transfer (what is it)
- Cash on delivery
- Phone ordering
- Fax ordering
- Money ordering
With 'Offline check' payment options, a customer is asked for a check Owner's full name, Checking account number and Bank routing number. You can use for any kind of check payments you like:
- Personal check
- Business Check
This type of offline payments allows your customers to buy your items using a purchase order. A customer is asked for a PO number, Company name, Buyer's full name and Job position at checkout.
Setting up an offline payment option in your store
- Open your control panel and navigate to System settings → Payment → Payment methods
- Choose one of the existing offline payment options in the list (they all have 'Offline Basic', 'Offline Check' or 'Purchase Order' in the payment processor column)
- If there isn't an offline payment option you'd like to use, just select one of the existing 'Offline basic' option - you will be able to customize it
- Name the option as you want (e.g. Cash on delivery) - for that, click on the payment method name and put the wording you like
- (Optionally) set instruction for the customer that they see at checkout upon selecting this payment method. In order to do that, click the 'Instruction for Customer' link and enter instruction text. Details
- Enable the payment method by clicking the 'Enable' link in the right column
- Save the changes
Where can I receive my money when an order comes? How to withdraw my money from Duda?
Duda itself and, in particular, your Duda account doesn't deal with your customers' money: Duda doesn't collect, hold or process your money in any way. Instead, Duda integrates with a variety of payment gateways which make the payment transactions from your buyers to you. So, Duda serves as a transmitter in your transactions: it collects your customer's information, saves it for you to be able to see your customers and sales later, and passes it to special payment systems - third party payment gateways/processors that specialize in processing credit cards and provide security level required for storing and manipulating with such sensitive data. The process of withdrawal of money from that system will depend on the payment solution you choose - so you will need to contact your payment gateway (for example PayPal) to have your money transferred to your bank, if it is not set up to do so automatically.
What you need to do is to set-up payment methods that you want your customers to use in your storefront. For more details on payment processing and setting up payment options in your Duda store, please refer to the explanation above.
Can I rename a payment method?
Yes, you can change the name of every payment method in your store. How to do that:
- Open your Duda control panel, System Settings → Payment.
- Click the name of payment method you want to change.
- Enter new name and click "Apply".
- Save the changes.
I need a payment option which is not on the list. Can I add a new method?
In case you want to add an offline payment method which is not listed in your control panel, you can use one of the existing 'Offline basic' methods - just rename it and put the instructions for customers if needed. See this instruction: Setting up an offline payment option in your store .
On the other hand, if you want to add an online payment gateway which is not supported, please refer to this question: What if Duda doesn't support a payment gateway I need?
What if Duda doesn't support a payment gateway I need?
Here are the options:
- If the gateway supports Authorize.Net SIM emulation, you can totally set it up in Duda, here are the details: Using gateways that can emulate Authorize.Net SIM . If you are not sure whether the gateway can emulate Authorize.Net or not, please consult the gateway documentation or ask the gateway company directly on this matter.
- You can opt for a custom integration: for that, you will need to create a custom script on your server that will emulate the Authorize.Net SIM and act as a bridge between Duda and the gateway.
- You can consider hiring a professional programmer for creating a custom payment gateway integration for you.
- Lastly, if neither option fits, you can consider one of the supported gateways.
Can I add instructions or notes to payment methods?
Yes, you can. You can add a second line note and full instruction to any payment method.
Second line note
Second line note is a sticky wording appearing right below the payment method (as a second line). You can use only plain text in these notes, no HTML is allowed. To add a note, click the payment method name on the Payment page.
Example: The first line is payment name: Credit card
The second line note: We accept all major credit cards.
Instruction is shown after a customer selects a necessary payment method. You can use HTML tags in your payment instructions. Also instructions should always have titles. If an instruction doesn't have a title, it will not be shown to the customer.
To add an instruction, click the "Instruction for customer" link on the Payment page.
Instruction in e-mail notifications
If you want to send an instruction in e-mail notifications, you should use the %paymentInstructions% mail tag. When an order notification is sent, this mail tag will be replaced with the corresponding payment instruction. So, if a customer uses the Wire Transfer method, he/she will get the instruction for this method. If he/she uses any other method, he/she will get another instruction in the notification.
Since the payment instruction is in HTML format, but e-mail notifications are in plain-text, Duda removes all HTML tags from the instruction before inserting it into e-mail.
I want to ask customers for a credit card number on my site and do not redirect them to a payment gateway site. Is it possible?
Some merchants want to have a total control over checkout process and don’t want to redirect a customer to a payment gateway to finish the transaction. It is possible in Duda. Duda supports PayPal Payflow Link and American Express Payment Gateway payment methods, which allow you to accept credit card payments without them leaving your checkout pages.
(Note: Both those payments require HTTPS on your site to allow internal checkout)