IBIS supports Windcave Hosted PxPay 2.0 & Stripe to provide a secure payment facility for the E-Commerce website. We also have an integration with Afterpay, please contact us if you would like to consider setting this up.
TABLE OF CONTENTS
- Compare Windcave and Stripe pricing
- Set up Windcave PxPay 2.0
- Customise your Windcave-hosted payment page
- Display accepted payment types on your IBIS E-Commerce site
- Set up Stripe for use with IBIS E-Commerce
- Protect yourself from fraudulent transactions
Compare Windcave and Stripe pricing
We have laid out some important facts about each company to help assist you in your decision on which provider to use as your preferred online payment partner.
| Windcave | Stripe | |
| Setup fee | $99 | Nil |
| Transaction fee | 2.8% + $0.30 | 2.9% + $0.30 |
| Monthly minimum | $30 | Nil |
| Settlement period | Next day | 3 days after the transaction |
| Billing | Invoiced monthly in arrears | Deducted from transaction settlement |
| Payment types available | Visa Mastercard Amex Diners Account2Account Alipay Oxipay Union pay Humm Apple Pay Google Pay Paypal Deferred payment for on-request bookings (stored card) | Visa Mastercard Amex Deferred payment for on-request (stored card) |
| Integrates with IBIS POS | Yes. This allows your call centre to process card-not-present transactions without an EFTPOS machine. | No |
| Other notes | Windcave also offers integrated EFTPOS for frontline use. | |
| Example monthly fees: 100 bookings @ $150 = $15,000 20 bookings @ $99 = $1,980 20 bookings @ $50 = $1,000 10 bookings @ $50 = $500 | ($15,000 * 2.8%) + (100 x 30c) = $450 ($1,980 * 2.8%) + (20 x 30c) = $61.44 ($1,000 * 2.8%) + (20 x 30c) = $34 ($500 * 2.8%) + (10 x 30c) = $17, bumped up to $30 minimum monthly fee | ($15,000 * 2.9%) + (100 x 30c) = $465 ($1,980 * 2.9%) + (100 x 30c) = $87.42 ($1,000 * 2.9%) + (20 x 30c) = $35 ($500 * 2.9%) + (10 x 30c) = $17.50 |
Set up Windcave PxPay 2.0
You will need to contact Windcave to set up a PxPay 2.0 account. Your Windcave account manager will provide you with your connection details, such as your username and payment key, which you will need to provide to IBIS so we can enable the payment gateway on your IBIS system.
The following settings should be enabled on your Windcave PxPay account for successful integration with your IBIS E-Commerce website:
| PxPay settings | Setting | Description |
|---|---|---|
| Fail Proof Result Notification | True | This should be enabled by default for all new accounts, but please confirm with Windcave. This ensures the payment result is always sent to IBIS even if the browser is closed. |
| Disable Result Page (SkipPage2) | True | This ensures customers do not need to click Next after payment is completed. You can enable this feature in your Windcave account - contact [email protected] to activate the changes. |
Important information if you wish to use the stored Credit Card feature If you wish to secure a booking with a credit card to charge at a later time, or if your agents will be processing payments via your PxPay account in your call centre, you will require "MOTO" to be enabled as a ClientType access feature on your Windcave PxPay account. Please review the following set up article for Integrating Windcave PxPay in the IBIS Application.
Customise your Windcave-hosted payment page
Your Windcave page can be customised allowing you to maintain consistent branding between your IBIS E-Commerce website and the Windcave Hosted Payment Page when your customers are using your website.
IBIS recommends the following minimum configuration to ensure your customers' payment process is as simple as possible.
To configure the settings as shown above:
Log in to your Windcave Custom Hosted Payment Account with the login details provided to you by Windcave.
Click on HPP Customisation from the main menu to access the customisation settings.
In the Payment Details tab, ensure you hide the TxnData1 - 3 and Merchant Reference fields.
On the Payment tab, you can tick the boxes to show the different credit card logos you accept if you want larger credit card icons to show at the bottom of the page. Some banks will require you to show the "Verified by Visa" logo - please check with Windcave before adding or removing this logo.
On the Result tab, tick the box Disable Result Page (SkipPage2) as this will remove an additional step in the payment process for your customers. Leave the 'Hide Txd Datetime' setting enabled (will be by default).
On the Images tab, select the card brands you accept from the Credit Card Logo droplist.
- On the Page Style tab, we recommend selecting STYLE8 in the Primary CSS. You can then adjust the colours of the fonts, background, links, borders, buttons, and headers to match your E-Commerce branding.
Please note colours are entered as Hex codes. If you do not know your brand's HEX OR RGB colour codes, please contact your web designer. You can convert your RGB colour codes into HEX codes using an online conversion tool such as https://www.rgbtohex.net/.
- Under the Preview Page tab, click Apply then click Preview to view your changes. Click the back button on your browser to return from Preview mode.
- To activate the changes you have made to your custom-hosted payments page you MUST email [email protected] quoting your PXPay ID in the email.
For more information on customising your Windcave Hosted Payment Page, check HPP Customisation section of the Windave PxPay 2.0 Integration Guide.
Display accepted payment types on your IBIS E-Commerce site
It's always a good idea to display the types of payments you accept to your customers. You can customise the details on this page in the System settings screen (IBIS Online) under the E-Commerce captions > Captions for /checkout/PayForCart.
See the highlighted sections for details in the table below for details on how to configure:
| Your details page | Description |
|---|---|
| Change the main heading | Replace the caption after the = symbol. E.g. Caption=Customer details |
| Change first name caption | Replace the caption after the = symbol. E.g. FirstName=First name |
| Change last name caption | Replace the caption after the = symbol. E.g. LastName=Last name |
| Change the phone caption | Replace the caption after the = symbol. E.g. Phone=Mobile number |
| Change marketing region caption | Replace the caption after the = symbol. E.g. MarketingRegion=Where do you live? |
| Change marketing source caption | Replace the caption after the = symbol. E.g. MarketingSource=How did you hear about us? |
| Change the booking note caption | Replace the caption after the = symbol. E.g. BookingNote= |
| Change delivery notes caption and placeholder | Replace the caption after the = | symbols. E.g. DeliveryNote=Note for the courier|Please specify where you’d like the package dropped off. |
| Change the privacy policy caption | Replace the caption after the = symbol. E.g. EmailMe=I would like to receive promotional emails |
| Change the terms and conditions caption | Replace the caption after the = symbol. |
| Change the checkout button caption | Replace the caption after the = symbol. |
| Hide the payment types section | Replace the caption after the = symbol. E.g. PayMethod=hidden |
| Change the caption for accepted payment types | Replace the caption after the = symbol. E.g. PayMethod=Accepted payment types: |
| Display the logos of the payment types you accept | Replace the caption after the = symbol. E.g. paymethods-css=visa mastercard amex jcb diners unionpay alipay wechatpay account2account googlepay applepay klarna farmlands |
| Change the fine print at the bottom of the cart summary | Replace the caption after the = symbol. E.g. summaryFooter=All prices are in New Zealand dollars incl GST. Credit card payments incur a 2% processing fee. |
| Reset defaults | To reset a caption to its default, enter --Reset, then click save and reload. |
Set up Stripe for use with IBIS E-Commerce
- Launch IBIS Online from the main menu of the IBIS application.
- Browse to Setup > System > then Connect with Stripe.
- Click the Connect with Stripe button.
- If you already have a Stripe account, click Sign in on the top right of the page. If not, complete the information to set up a new account.
- After signing in to Stripe, click Connect my Stripe account.
- Your setup is complete and you're ready to accept payments via Stripe!
Protect yourself from fraudulent transactions
You can take several steps to minimize the risk of fraudulent card use on your site.
Step 1: Contact Windcave or Stripe Support
You can start by contacting Windcave or Stripe support to help you secure your credit card account (your online payment gateway). Options may include enabling CAPTCHA or 3D Secure (3DS). You can also reduce the number of attempts a customer has to enter an incorrect credit card number before being locked out. The card processor may have additional recommendations.
Step 2: Monitor Transactions for Declined Payments
Implement a process to monitor transactions for multiple declined payments. If a transaction has three or more declines, flag it for in-person credit card verification. Ensure your staff reviews Windcave transactions nightly to identify any unusual activity, such as consecutive declined payments. Add operator notes to bookings requiring credit card verification so your team knows to ask for the card upon arrival. Be aware that some last-minute bookings are made by intermediaries (overseas 'travel agents' from China) using stolen cards, with the actual customers unaware of the scam.
Step 3: Verify Suspected Fraudulent Transactions
If you suspect a transaction was made with a stolen card, request to see the credit card used for online payment when the customer arrives. Both the Booking history and the POS screen reveal part of the credit card number for online payments, allowing you to verify the card and name. Consider including a note in your email confirmations to inform customers of your card verification policy so they are aware they must bring their card with them.