Authorize.net is a payment gateway that provides online processing of credit/debit card payments. This replaces having a credit card machine and the physical swiping of a credit card. Authorize.net can be configured through the LoanPro Secure Payments (formerly PCI Wallet) integration.
The LoanPro integration with Secure Payments makes it possible to process credit/debit card or eCheck/EFT payments directly inside LoanPro. Additionally, the integration will return error codes for failed payments, facilitate the reversal of payment transactions, and let you toggle your Authorize.net account between demo and live mode directly in your LoanPro settings.
To add your Authorize.net account to Secure Payments navigate to Settings > Company > Merchant > Secure Payments inside your company account.
Enter a name for the processor (likely Authorize.net) in the “Processor Name” field. Enter your API Login ID and Transaction Key in the “API Login ID” and “Transaction Key” fields. If you don’t know them, they can be obtained from Authorize.net.
You also have some settings for the integration as follows:
- Sandbox: This option will let you toggle your Authorize.net account and a general sandbox account. Authorize.net has a sandbox account and a production account. (These are independent environments.) You’ll need to request a sandbox account from Authorize.net; it does not occur by default. Credentials for an Authorize.net account are unique to each account. So if you have a production account and you wish to use a sandbox account, then you’ll need to contact Authorize.net to get a sandbox account with an independent credentials setup. This setting in Secure Payments lets you indicate the environment in which you desire to point the transactions.
- Test: This option will allow you to send transactions to your Authorize.net account without processing the payment. (Transactions will be sent to either a live account or sandbox account, based on the configuration of the Authorize.net account.) This will let you test to see if transactions from LoanPro are properly sending to Authorize.net. It is also meant to test the configuration and communication between the two platforms.
- Default: This option will let you set this processor as your default.
- Auto Reversal: This option will allow you to set the automatic reversal within LoanPro of transactions charged back and reversed within Authorize.net.
Additionally, our integration enters the LoanPro account number and payment ID into the memo line for each payment inside of Authorize.net. This will help you match transactions in Authorize.net with transactions in LoanPro. If an Authorize.net transaction is posted, you will be able to see both the Transaction ID and Batch ID in Secure Payments.
Note: Authorize.net will only accept 1 incoming transaction per minute with the same amount. If a user attempts to place more than one charge/transaction per minute, Authorize.net processors rejects any incoming transaction that are of the same amount. An error message will be displayed with the text, "A duplicate transaction has been submitted."