What Payment Processing Solutions does Spillover Online Ordering Support? (Comparison of Jupico All-In-One Vs Authnet Payment Gateway + MSP)

What Payment Processing Solutions does Spillover Online Ordering Support? (Comparison of Jupico All-In-One Vs Authnet Payment Gateway + MSP)

How does Online Payment Processing differ from POS Payment Processing?

A payment gateway is required to process Online Credit Card Payments.  The Payment Gateway is the online equivalent of a POS terminal.  It verifies credit card details and funding for 'Card Not Present' transactions.  All Online Ordering Solutions such as Spillover Online Ordering require a payment gateway.  



What Payment Processing Solutions does Spillover Online Ordering Support?


Spillover Online Ordering currently supports two Payment Processing Solutions :

1. Jupico All-in-One Payment Processing : Jupico is an all-in-one online payment processing solution for online payments that includes a payment gateway, merchant account/acquirer, processor integration etc.  Jupico is a preferred partner of Spillover so we offer additional levels of support and integration for Jupico.   

2. Authnet Payment Gateway + Current MSP : Authnet is a payment-gateway-only solution that can be integrated into existing Merchant Service Provider (MSP) solutions (if your MSP supports Authnet).  Spillover Online Ordering integrates with Authnet Payment Gateways.  

Note: If you choose to add an Authnet Payment Gateway to your existing POS Merchant Service Provider (to process online payments), you first need to confirm that your MSP supports Authnet and then you will need to create a separate Authnet 'Payment Gateway Only' Account.  

How do I create a Jupico all-in-one Account?

Your Spillover Onboarding Manager will send you an Jupico Application Invite via email and assist you with the application process.  Jupico Application Guide

What info do I need to create Jupico all-in-one Account?

The only info you need when creating a Jupico account (beyond standard Business Name, Primary Owner etc.) is your Business Banking info so you can connect your business bank to receive payments.

What are the Fees for Jupico payment processing?

  1. Total Payment Processing Fees:  2.9% +  $0.30 per transaction. 
  2. No Monthly Fees, No Gateway Fees, No Termination Fees.
  3. Chargebacks = $20
Note: These are the same rates that are offered by the leading all-in-one online payment processing solutions from vendors like Stripe and Authnet (for their all-in-one),

How do I create an Authnet payment-gateway-only Account?

You can create an Authnet Account directly on the authorize.net website OR an Authnet Partner Reseller can help with initial account setup. .  Your MSP may be an Authnet Partner Reseller - you should ask your MSP if they are an Authnet Partner Reseller and if can help with initial Authnet account setup!  If your MSP is not an Authnet Partner Reseller then Spillover (as an ISO) can assist with Authnet account creation (OR you can create an Authnet account directly on the Authorize.net website).

What info do I need to create an Authnet payment-gateway-only Account?

The following info is required from your MSP in order to create an Authnet Account that integrates to your existing MSP:
  1. Merchant ID 
  2. Terminal ID
  3. Processor
This info is normally provided on what is called a VAR Sheet.  Your MSP should provide you with a VAR sheet as the first step in setting up an Authnet account.
You will also have to set up a payment method in your Authnet account for the monthly fees.

What are the Fees for an Authnet Payment Gateway?

Fees vary based on whoever sets up your Authnet account.  The Authnet Payment Gateway Fee needs to be added to your MSP "Card Not Present" processing fees to understand total cost.

Info
The standard rates from Authnet for just payment gateway are:
Monthly Fee = $25
Per Transaction Fee = 10c (this is on top of your MSP CC processing fee.  NOTE: Your MSP may charge a higher rate for Online CC transactions, you should ask your MSP what their "card not present" processing fee is )
Batch Fee = 10c 
Chargebacks = $25

If your MSP is an Authnet Reseller they may be able to offer you discounted fees for the Authnet payment gateway.  

Warning
Remember to ask your MSP what their "Card Not Present" rates are.  These will likely differ from the current rates you are receiving for Card Present transactions.

What else do I need to do to activate and setup my Authnet account?  

When your initial account is set up by the Reseller (using the VAR Sheet Info), you will receive an Account Activation email and you will then step through the account activation steps (adding Billing and Bank Info, Accept Ts&Cs, setup login) and then the post activation steps (generate API keys, switch from Test to Live).

Activation Steps if Your Account Was Set Up by a Partner (Reseller or ISO):
  1. Open the welcome email sent to your registered email address.
  2. Select the activation link in the email.
  3. Request a verification PIN. Enter the PIN and select Verify. (PIN is valid for 10 minutes; regenerate if needed.)
  4. Complete all required business information fields. Website URL is optional.
  5. Provide billing and bank details for monthly fees.
  6. Review and accept the Authorize.Net Services Agreement
  7. Create your Account Owner login by setting your Login ID and Password. Store credentials securely.

Alert
Post-Activation Steps:
Access the Merchant Interface at https://login.authorize.net using your credentials and complete the following steps: 
  1. Generate API Credentials: You will need to generate their API Login ID and Transaction Key for your online ordering integration and provide this info to Spillover. 
  2. Switch to Live: You must switch from "Test Mode" to "Live" in your Merchant Interface.
  3. Check/Set Batch Cutoff Time

Pros and Cons of Jupico and Authnet



Note : The Jupico Rate of 2.9% + 30c per transaction is the same rate that is offered by other All-In-One Online Payment Processing solutions such as Stripe and Authnet All-In-One solution.
 

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