In this blog, we’ll be glancing through the implementation of Element Payment Gateway in Magento and integration with ERP.

Let’s look into the implementation of Element Payment Gateway in Magento before seeing the integration with ERP. 

Initially, we implemented the payment gateway with the Magento Commerce edition, which comes with a wide range of B2B features such as Company structures, Pricing libraries for the customers, Quick order pad, Multiple wishlists, Request for a quote, amongst others, and then extended the implementation to the Magento open source. 

Before diving into the role that gateway plays in the B2B space, let’s know what Element Payment Gateway is.

What is Element Payment Gateway?

Element Payment is a credit card processing solution that not only accepts payments via credit card but also follows the secure protocols to accomplish the card processing without storing the sensitive information on the system at all.

It supports credit card, ACH, and Apple Pay payment types and extends its system to provide feasibility for secure stored credentials transactions to speed up the checkout process. The Element Payment Services was acquired by Vantiv in July 2013, and then in July 2017, Vantiv acquired London-based Worldpay Group, changing its name to Worldpay, Inc.

What are the in-built B2B features of Magento that we have extended to implement the Vantiv / Element Payment Gateway?

We have created a payment module to plug in the Element Payment method on the default Magento checkout page. One of the key benefits of using Magento lies in its extensibility to implement a wide range of features and strategies without compromising the security standards. 

Apart from the Checkout page, we implemented this payment gateway with Instant checkout, Instant payment, and One-step checkout, allowing the buyers to speed through the checkout process using the information that is saved in their account. We have also provided the feature for saved credit card payment used later for placing orders.

Is the PCI Compliance met?

Yes, we have hosted the payment gateway to meet the PCI compliance requirements. The Hosted payment transaction method is set up using an Iframe and other PCI compliance, securing the payment process from Magento to Element Payment Gateway.

Why do B2B distributors who use the ERP find the Element Payment Gateway to be a primary payment method?

There are about 92% of wholesalers and distributors using the ERP software for the simplification of collecting, storing, and managing the data from many business activities. It provides an integrated and continuous approach to run the core business process. 

Many of our clients who are using Epicor Prophet 21, SAP, Oracle as the ERP solution have an option to use the Element Payment Gateway for credit card processing in the system settings. This made the B2B distributors opt for the Element Payment Gateway as a payment method for their website implementation.

How do credit card transactions work?

We will have credit card transactions for the buyers on being tokenized or authorized based on the flag setting from ERP. The Hosted payment transaction is set up in Magento in such a way to accommodate both the tokenization and authorization. 

How to process tokenization?

If a customer is provided with a tokenization flag, we’ll use the paymentAccountCreateWithTransID method available from the Element Payment interface and process the transaction. This transaction method is used to create a new Payment Account (PASS) record in the payment gateway account with the existing transaction ID. This method will return the token, based on which the credit card order will be placed. Then the transaction will be authorized and converted to sale from ERP.

How to process authorization?

If a customer is provided with the authorization flag, then the AVSOnly method with zero dollars will be used along with the billing address (Zero dollar authorization is not applicable). This will return the transaction ID used for loading the iFrame on checkout. Once the card information is entered, the details will be submitted in the secure element payment hosted service. 

Then service will verify the correctness of card information against the billing address provided. The service will respond to the Magento Return URL, which was configured while the transaction setup. 

There are many other payment processing methods like CreditCardAuthorization, CheckSale available in the Express checkout, which can be used based on your Application need. Element payment has provided the developer interface guide for reference.

How does our Middleware take up the role to sync the data to ERP?

Once the Authorization is successful, the order will be placed successfully on Magento. Then our product Cloras will come into play as a Middleware solution to synchronize the order from Magento to ERP. 

The order details will contain the authorized date and number, the last four masked credit card numbers, expiration date, transaction ID, payment type ID, card first name and last name, zip code, reference number, other billing address details, AVS response code, and CVV response code. 

The tokenized/authorized payment will then be processed and converted to Sale using Transaction Processor in Prophet 21.

What are the other B2B strategies that use the Element Payment Services?

Element payment provides us the feature to use the store credit card from the website for the speed operation of the checkout process. Magento provides the Vault payment method, which allows the customer to save their credit card without actually storing the sensitive data. The gateway creates a PASS account with the provided credit card details and generates the token. This token will be encrypted and saved on the Magento vault in a secure way for later use.

As I have already mentioned, the Instant checkout, Instant purchase, and One-step checkout will be used with the stored credit card along with the saved billing, shipping addresses, and shipping method. There will be a separate dashboard for changing this information at any point in time from Magento. This will speed up the checkout process. 

Also, we have implemented this payment method for another B2B feature called open invoice payment. The invoices created for the orders that are placed offline will be listed dynamically on the website from ERP. These invoices can be paid using this secure payment gateway.

Where to start the development of Element Payment Integration for different application needs?

Element Payment Gateway has a developer community that has a wide range of questions and answers to your need for application development. You can refer to the Interface document to begin with. You can also check our blog on How to integrate vantiv – element payment services?

We have built a secure, reliable, and scalable plug-in. Join hands with us to bring about all the necessary support with respect to working on any enhancement and developing an entire application end-to-end from a technical standpoint.

With 15+ years of experience in the arena of digital commerce, DCKAP comes with the perfect expertise to help you curate your online storefront, backed by the best-suited integrations to serve your eCommerce needs.

Want to know more? Talk to our diligent team of developers to get hold of intact payment gateway integrations.

Author

  • Haritha Sridhar

    Haritha is a Senior Software Engineer who is passionate about Magento. With 4+ years of experience, she is an Adobe Expert Level certified Magento 2 developer. When she is not coding, you can find her in the midst of books, listening to music, or watching science-fiction movies.

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