With online payment methods, you can accept credit/debit cards, PayPal, or cryptocurrency in your Lishtspeed eCom online store. On the Online > Settings > Payments page in Retail POS, you will find integrated providers such as Lightspeed Payments, as well as dozens of third-party payment systems you can connect.

Your store location will determine the payment gateways available to you. It's best to use no more than two or three providers at checkout. 

Before you begin

When setting up your payment providers, keep in mind that:

• Lightspeed eCom does not handle payments directly.
• Payment processors can charge transaction fees.
• Lightspeed eCom does not charge any additional transaction fees.
• Payment provider availability depends on your location.
• Make sure the provider supports your business.

Adding an online payment gateway to eCom

To accept payments online, you should open a merchant account with a payment processor supported by eCom and choose this payment processor (gateway) when adding an online payment method in your store. Recommended payment providers for U.S. merchants are Lightspeed Payments, PayPal, and Stripe. Note that each payment provider charges a different fee for processing transactions in your store.

To add an online payment method to your eCom store:

1. From Retail POS, go to Online > Settings > Payments.
2. Scroll to Add new payment methods.
3. Choose a payment system from the recommended payment options. You can also scroll to the More options to accept online payments section and click the Choose Payment Method dropdown to choose other payment systems.
4. Fill in the fields with the details from your account.

5. Enter the name for the payment method that will be displayed at checkout:

   

6. Keep the Enable this payment method at checkout setting on to offer this payment method at checkout.
7. (optional) Add payment instructions for this payment method at checkout.
8. (optional) Connect this payment method to particular shipping options in your store. Customers will see this payment method only if they choose the shipping options you specify.
   For that, scroll down to Payment method availability based on shipping choice and click Limit availability by shipping method‍. Click the dropdown and check boxes for all the shipping methods you want this payment option to be available to. Then click Select.
9. Click Save.

That’s it! Your payment gateway is now set up. Try running a test order to see how this will look to your online customers.

The payment gateways will appear on your checkout page in the chronological order you've set them up. Some payment gateways, such as PayPal, will also show a button on the cart page.

Once a customer pays for an order, funds go to your merchant account, and your payment provider has to process a transaction first. For successfully processed transactions, you can withdraw the money from your merchant account to your bank account. You can check order payment statuses by navigating to the My Sales page in your eCom admin (Online > Go to eCom in Retail POS).

If you sell expensive products and want to offer a financing option to your customers, consider enabling PayPal Credit / PayPal PayLater at checkout. It allows customers to pay for online purchases in installments.

Sorting payment methods at checkout in eCom

By default, all payment methods display on your checkout page in the chronological order you've set them up. You can change the payment method order if you want.

To sort enabled payment methods at checkout:

1. From Retail POS, go to Online > Settings > Payments.
2. Locate any of the enabled payment methods, click Actions, then Sort.
3. Change the order by drag-and-dropping payment methods to the desired position.
4. Changes are autosaved.

Setting currency for accepting payments in eCom

To accept payments on your site via a payment provider, the currency set for eCom must match the currency in your payment provider account.

To change your eCom currency:

1. From Retail POS, go to the Online tab > Settings > General > Regional Settings tab.
2. In the Currency dropdown menu, choose your store currency.
3. Choose the Price display format for the prices in this currency. It will not affect input fields for prices in your eCom admin.

4. If you use a non-USD currency, you can specify a conversion rate if a payment gateway you want to use accepts only USD or if a shipping service connected to your store doesn't accept your currency but works with USD. eCom will use the entered rate to convert the order total into dollars and send the request to a payment system. For shipping, it will show the correct actual shipping rate in your store's currency, so that your shipping costs coincide with the shipping prices in your store.
   Example:

   

5. Choose if the currency symbol should be displayed before (prefix) or after the price (suffix).
6. Enable or disable the Hide trailing zeros in the fractional part option for prices in your online store.
7. Save the changes.

Turning off a payment provider in eCom

You can turn off or remove a payment provider if you no longer wish to use it. Once you've removed it, it no longer appears on the checkout page in your online store.

To turn off a payment provider:

1. From Retail POS, go to Online > Settings > Payments.
2. Locate any enabled payment method and click the toggle button to turn off this method and remove it from the checkout page.
3. (optional) Click Actions, then Remove beside the relevant payment provider to disconnect the payment provider.

FAQ

• When using Lightspeed Payments, you can control your funds from the Finance page in Retail POS. With other providers, you control and direct funds in your merchant account through your merchant service provider, which is, in most cases, your payment gateway.
• When using Lightspeed Payments, you have a payout schedule. You can check your funds on the Finance page in Retail POS. As for other payment providers, online payments are processed by the payment gateway that you’ve selected for your payment method. To withdraw the money received for orders through the payment gateway, you should log into your account with this payment system and link your bank account or use another withdrawal option that they offer.
• When using Lightspeed Payments or PayPal, you can issue a refund right from Retail POS. To refund a payment from another payment provider, you should find the respective transaction in your account with the payment gateway that processed the payment and issue the refund there.

• Yes. With some payment methods, you can choose how you want to capture payments from customers:

  • Capture payments automatically
    With this transaction type, funds are captured from a customer’s credit card immediately, at the time of order placement. This transaction type is usually called Purchase, Purchase only, or Sale in the payment method settings.
  • Capture payments manually
    If this transaction type is selected, during order placement, your store will check the credit card balance of your customers. You can then capture the money from the customer’s credit card later (for example, when you are ready to ship their order). To actually charge the customer, you should log into your account with the payment gateway and click a special button. This transaction type is often called Auth Only, Authorization Only, Pre-authorization in the payment method settings.
    You can choose what transaction type suits you best with the following payment systems: Authorize.Net, American Express, Bambora North America.

  The payment gateway determines the time window when the funds can be captured manually.

• Yes, you can offer financing options to your customers through PayPal Credit, Afterpay.

• Usually, a payment processor charges a service fee for processing credit cards. You can add a surcharge for customers so that extra fees appear at checkout when a certain payment method is selected. For this, go to the Online > Settings > Payments page in Retail POS, click the payment method, scroll down, and click Add payment method fee‍, then enter your fee and save the changes. Surcharging is only available on select payment processors and in select regions.

  Regulations vary depending on your region. For a full list of regulations, contact your local regulators.

• Yes, you can turn on recurring subscriptions in your online store and charge customers on a regular basis.