An overview, requirements and steps for setting up and processing payments through Bank of America
What's in this article?
FoxyCart is an e-commerce platform that adds a hosted shopping cart and payment page checkout to websites built with WordPress, Wix, Squarespace, Weebly, Zoho and other website builder tools, as well as popular programming frameworks for custom site builds.
FoxyCart's integration with the Bank of America Gateway leverages the bank's Card Not Present Integration Toolkit integration method to help meet the Self-Assessment Questionnaire A (SAQ A) Payment Card Industry (PCI) compliance level.
Requirements
A Merchant Services account with Bank of America, a live website, and FoxyCart v. 2.0 are required to activate the solution.
Set up your payment settings in FoxyCart. You can set them up for the live environment or for testing in a test environment first.
IMPORTANT! If you choose to do testing in the test environment, you will need to configure the payment settings a second time, when you are ready to switch to the live environment.
To generate security keys and configure payment settings
IMPORTANT! Click Update Payment Settings to save changes after making configuration selections.
Log in to your FoxyCart admin dashboard.
From the top navigation bar, select Store > Payment.
Choose a server option depending on whether you are configuring settings for the live server or for testing on the test server.
Select the Let customers pay with a Credit or Debit Card checkbox.
Select Bank Card Payment Method > Bank of America.
Copy and paste your Merchant ID, and Shared Secret and Key generated above, to FoxyCart.
Configure additional settings.
Table of Bank of America Extension settings and description of each setting
Setting
Description
Authorize only (do not capture funds)
Select this option to capture an authorization-only when an order is placed. If selected, when you are ready to capture the funds, such as when you ship the order, you will need to manually capture the transaction in your Merchant Services account in online banking.
Card Verification mode
Select a card verification mode. • Enabled, automatically: RECOMMENDED. Select this option to automatically verify a zero dollar amount transaction when a payment method is required (such as future subscriptions). Greater than zero dollar amount transactions will be authorized, or authorized and captured, at the full amount. • Always and only verify: Recommended only in specific situations, this option will verify the payment method for all transactions where a payment method is required (both zero and greater than zero dollar amount). Payment will not be collected without additional action. • Disabled: Not Recommended. This option will disable payment method verification. • In all cases, a payment method will not be required for "free" transactions, such as if a coupon brings the order total to zero.