Lightspeed Payments allows you to accept all major credit and debit cards, as well as Apple Pay and Google Pay. It also supports its own one-click checkout option, so shoppers can check out with one tap in your eCom (E-Series) online store.

Eligible Retail POS merchants can take payments with Lightspeed Payments both in-store and online via their eCom (E-Series) store, and manage both Lightspeed Payments accounts in Retail POS.

Requirements to use Lightspeed Payments on eCom

Before setting up Lightspeed Payments, make sure your store meets the following requirements:

1. Your eCom store has legal pages, including:
   • Privacy policy.
   • Shipping, refund, and return policy.
   • Terms and conditions.
   • Payment methods.
   • Contact information.
2. You have set up your product and shipping settings in your eCom store, including:
   • Adding images to all of your products.
   • Ensuring your homepage and product content no longer have placeholder text.
   • Adding shipping methods that match your shipping policy.

Applying for Lightspeed Payments for eCom

If you don't yet use Lightspeed Payments for your business, you can apply for Lightspeed Payments for all your locations, including your eCom store, in a single application. When prompted to select a location, make sure that Lightspeed eCom is one of your selected locations.

If you already have Lightspeed Payments, you can apply to add eCom. To connect an existing account, you need to use the same tax ID you have provided in the initial application. Once you do that, you will get access code to the email address you have registered in that initial application. After entering the code to the corresponding popup, your application is prefilled with details from the initial application.

To get an access code, your initial application should have been submitted by applying through Finance Services in Retail POS. If you submitted the Lightspeed Payments form via email, you can’t get the code so you need to fill in all the fields from scratch.

To connect your existing Lightspeed Payments account to your eCom online store:

1. From Retail POS, go to Online > Settings > Payments.
2. Next to Lightspeed Payments, click Apply to Enable.
3. Specify information about your business. Use the data from the previously submitted application. When you enter your tax identification number (EIN, CBE, etc.), eCom will understand that you already have an account.

4. In the popup, click Send code to get an access code to your email that you provided on your first application.

   

5. Check your email and enter the code to the popup window.
6. Click Continue.
7. Your application will be prefilled. To send the application, click Submit.

Your application will be reviewed. Once it is activated, you will be notified in your eCom admin and via email, and can start to accept payments.

Lightspeed Payments charges a fee for each transaction that happens in your eCom online store. The fee depends on the country where your Lightspeed Payments account is located. To view your processing rates, navigate to Financial services > Settings in Retail POS.

Accepting payments with Lightspeed Payments in your eCom store

After you enable Lightspeed Payments in your eCom store, your online customers will be able to choose this payment option at the checkout.

As soon as customers choose Lightspeed Payments as the payment option, they will have to fill in their credit or debit card information and specify their billing address.

Inputing a billing address allows the payment gateway to verify if the address matches the data from the card-issuing bank. Transactions that the system detects as high risk will be automatically blocked. This helps reduce fraud and the potential for chargebacks.

One-click checkout with Lightspeed Payments in eCom

Along with Google and Apple Pay, Lightspeed Payments includes its own one-click checkout option allowing customers to save and reuse their payment details for future purchases. One-click checkout is automatically added to your express checkout options when you enable Lightspeed Payments and has no extra processing fees. One-click checkout is supported in all desktop browsers and iOS. To offer one-click checkout at checkout in your eCom store, make sure you meet the following requirements:

• Your site runs on HTTPS (available out of the box for eCom's Instant Site).
• You specified your online store's web address (URL) in Online > Settings > General > Store Profile > Store's web address in Retail POS.

To view and manage express checkout, in Retail POS, navigate to Online > Settings > Payments tab. To disable express checkout, click Disable all.

Customers will be able to opt into saving their payment information when placing an order in your online store.

After that, the customer's details and shipping info are securely stored and can be reused for future purchases.

To reuse their payment details and shipping info, a customer needs to enter their email address at checkout and choose to use their saved information. One-click checkout will instantly populate customers’ saved payment info. On a new device, customers will need to identify themselves at checkout by entering a one-time code via SMS to reuse payment data.

Instant Bank Payments (IBP) with Lightspeed Payments in eCom

Instant Bank Payments (IBP) are supported only for accounts located in the US.

With Instant Bank Payments (IBP), you can allow customers to pay with a United States bank account at checkout in your eCom store. Transactions are instantly confirmed, so settlement timing matches your debit and credit card payments. Unlike the well-known ACH Direct Debit, which can take up to four business days to successfully process a transaction between bank accounts, the transfer is almost immediate.

IBP works via one-click checkout, so you need to enable it in your online store to accept instant bank transfers with Lightspeed Payments. Customers will see the Bank option at checkout and will be able to select their bank from the list:

A customer will then be asked to log in to their account with this bank and connect it to their one-click checkout account (or sign up for one). After that, they can proceed with payment in your store. Customer bank details are saved in their one-click checkout account and can be reused for future purchases.

Understanding more about using Lightspeed Payments with eCom

When you have successfully connected your Lightspeed Payments to your eCom store, use the following sections to learn more about refunding payments, reporting, chargebacks, and getting paid.

Refunds

For merchants using Retail POS (X-Series) and eCom (E-Series), all refunds with Lightspeed Payments must be processed through Retail POS, regardless of whether the sale was in-store or online.

To refund the payment as a store credit or cash, refund the item in Retail POS.

Reporting

Payments processed via Lightspeed Payments in your eCom store will be recorded in your eCom and Retail POS (X-Series) Merchant Portals. These will also be recorded as sales in the sales history on Retail POS.

Refer to the Reporting with Lightspeed Payments article for more information.

Chargebacks

A chargeback is a dispute initiated by a customer through their bank to reverse payment on a completed transaction. As a merchant, you can choose to either dispute the chargeback or choose to accept the chargeback.

Refer to the Understanding and preventing chargebacks article for more information.

Payouts

For US merchants using Lightspeed Payments, it will take two business days for transactional funds to be paid out. This payout is the transaction amount, minus associated fees.

Refer to the Getting paid with Lightspeed Payments for Retail POS (X-Series) article for more information.

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