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Foxy Commerce Activation and Configuration

May 27, 2026

Description

An overview, requirements and steps for setting up and processing payments through Bank of America

What's in this article?

Foxy Commerce 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 custom sites built with popular programming frameworks.

Foxy Commerce integrates with the Bank of America Gateway using the bank's Card Not Present Integration Toolkit, which helps meet the Self-Assessment Questionnaire A (SAQ A) Payment Card Industry (PCI) compliance requirements. 

Requirements

To process payments using Foxy Commerce and Bank of America, you must have a Merchant Services account with Bank of America and a paid Foxy Commerce account.

NOTE:
Any existing tokens for recurring payments must be re-established with Bank of America after activation.

Configure payment settings

Set up your payment settings in Foxy Commerce to enable payment processing. You can access settings to disable test mode and enable live transactions.

IMPORTANT! 
When you create a Foxy Commerce account, a test account account is available by default. You may run test transactions in this environment using the following test card information at checkout: 
4111 1111 1111 1111 exp: 12/31
You will not be able to process live payments without a paid Foxy account.

To generate security keys and configure payment settings

  1. Generate security keys for the live environment.

    TIP! Leave the key generation window open to easily copy the Merchant ID, Shared Secret, and Key values into Foxy Commerce.

  2. Log in to the Foxy Commerce admin dashboard. 

    IMPORTANT! Click Save to save changes after making configuration selections. 

  3. From the left navigation, select Settings Payments.

    FoxyCard admin dashboard with Settings menu and Payments option highlighted
  4. Click Default Payment Method Set

    Foxy Commerce Payment method sets screen
  5. Enable Use live credentials

    NOTE: If Use live credentials cannot be enabled, contact Foxy Commerce or confirm you have a paid account.

  6. FoxyCart's payment method screen with Use live credentials setting highlightedRemove any payment methods, other than Bank of America.

    To remove a payment method


    1. Select the payment method.

      Payment Method popup
    2. In the popup window, click Remove, then click Remove again.
       
      Remove button highlighted
      Popup to Confirm removal or Cancel the change.

  7. Select Add payment method +.

    FoxyCart's payment method screen with the add payment method button highlighted
  8. Select Bank of America.

    The Bank of America payment method tile
  9. Copy and paste the following credentials from the Bank of America Key generation window or from your downloaded key into Live setup section for Bank of America:
    • Merchant ID
    • Shared Secret 
    • Key

      Bank of America's Key Generation window
      Paste your credentials into the Foxy Commerce Live setup section for Bank of America. 

      FoxyCart's payment setting configuration screen for the Bank of America payment method
  10. Configure remaining settings. 
    Table of Bank of America Extension settings and description of each setting
    Setting Description
    Card verificationSet to On. (RECOMMENDED)
    Automatically veriies 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. 
    Setting to Off will disable payment method verification.
    Authorize only (no capture)Leave disabled. (RECOMMENDED)
    Although this setting is available it is not recommended.
    When enabled, captures an authorization-only when an order is placed. 
    When you are ready to capture the funds, such as when you ship the order, you must manually capture the transaction in your Merchant Services account in online banking.
  11. Click Save
  12. Run a live test transaction with a real card to ensure the Bank of America connection is successful and your settings are live. Using a test card number will result in an error. 

    IMPORTANT! To test transactions using the Bank of America Gateway, without downtime to your live web store using another payment gateway, you can set up a test version of your Foxy web store. Learn more at https://support.foxy.io/site-monitoring/create-a-payment-set-for-testing-a-new-gateway.

To disable the Bank of America Gateway


  1. If you need to disable the Bank of America Gateway, from the Foxy Commerce admin dashboard navigation menu select Settings > Payments.
  2. Click on the Payment method set name that is configured for Bank of America.
  3. Select Delete

Resources

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