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Payment Settings

Configure payment methods and gateways for your store.

Location: Settings → Payments

General Options​

SettingDescriptionDefault
Enable CheckoutAllow customers to complete purchasesYes

Offline Payment Methods​

Built-in methods that don't require a payment gateway:

Cash on Delivery​

SettingDescription
EnableAccept payment on delivery
TitleDisplay name
InstructionsNotes shown at checkout

Bank Transfer​

SettingDescription
EnableAccept direct bank transfers
TitleDisplay name
Bank DetailsAccount information
InstructionsPayment instructions

Check Payment​

SettingDescription
EnableAccept check payments
TitleDisplay name
Payee NameMake checks payable to
InstructionsWhere to send checks

Payment Gateway Plugins​

Real-time payment processing:

GatewayFeaturesDocumentation
PayPalPayPal, Cards, Venmo, SubscriptionsPayPal Setup
StripeCards, Apple Pay, Google Pay, SubscriptionsStripe Setup

Installing a Gateway​

  1. Download the plugin package
  2. Install via System → Extensions
  3. Enable in System → Plugins
  4. Configure in EasyCommerce Settings → Payments

Configuring a Gateway​

  1. Find the gateway in Payment Methods list
  2. Click Configure button
  3. Enter API credentials
  4. Set preferences
  5. Click Save

Limit a gateway to selected countries​

Each payment plugin's Configure form includes Country availability:

  • All countries keeps the gateway available everywhere.
  • Only selected countries offers it only for the countries you select.
  • All except selected countries excludes the selected countries.

For example, to offer Razorpay only to customers with an Indian billing address, configure Razorpay, choose Only selected countries, select India, and save. Other gateways keep their own independent rules.

Payment availability uses the customer's billing country, not their IP address, language or nationality. Checkout requests a billing country even if the rest of the billing address is hidden. Changing the country clears any payment method that is no longer available. EasyCommerce also checks the saved order's billing country before starting payment, including when paying an existing unpaid order.

These rules control new payment attempts. They do not prevent confirmation or refunds of an existing payment.

Set product prices for a gateway's currency​

You can sell the same product at independent prices in different currencies, such as USD 20.00 and INR 1,999.00. These are prices you choose, not exchange rates.

  1. Keep your main currency in Settings → General → Currency.
  2. Open the product's Pricing tab and add an INR entry under Prices in other currencies. Enter its regular price and, optionally, its sale price. For a variable product, add prices to each purchasable variation.
  3. Open Settings → Payments → Razorpay → Configure and set Checkout currency to INR. Leave gateways such as Stripe at Store currency if they should continue charging USD.
  4. Optionally restrict Razorpay to India using its country availability settings.
  5. Test both payment methods before accepting live payments.

The shop and cart show the store currency. Selecting Razorpay recalculates the checkout using the saved INR product prices and displays the INR total before the customer places the order. Selecting a store-currency gateway restores the USD prices. Each order and invoice uses its actual checkout currency throughout.

Every item must have a price in the gateway's currency. A variation needs its own entry; it does not inherit the parent product's alternate price. If a price is missing, EasyCommerce returns the checkout to the store currency and asks the customer to choose another eligible gateway. It never treats a USD price as an INR amount or estimates a conversion. Keep another payment gateway available for this fallback.

Alternate-currency checkout currently supports one-time virtual and digital purchases. Physical shipping, subscription billing, fixed-amount coupons, coupon monetary limits, and fees without an explicit matching currency require the store-currency checkout. Percentage discounts without monetary limits and percentage taxes are calculated from the selected currency's prices. If a cart cannot be priced completely in that currency, the same fallback applies.

Refunds use the currency and amounts saved on the order. Changing a product price or gateway currency does not change existing orders or accepted payments. Previously accepted converted payments retain their original payment amounts for settlement and refunds.

In Reports, select a currency to see its sales, fees and net proceeds separately. Exports include that currency. USD and INR sales are not added together, and product price ratios are not used as accounting exchange rates. Inventory valuation and the dashboard's monetary summaries use the store currency.

Payment Method Order​

Drag and drop to reorder how payment methods appear at checkout.

1. Credit Card (Stripe) ← Shown first
2. PayPal
3. Bank Transfer
4. Cash on Delivery ← Shown last

Test Mode vs Live Mode​

Most gateways support testing:

ModePurpose
Test/SandboxUse test credentials, no real charges
Live/ProductionReal payments with live credentials

Always test thoroughly before going live!

Best Practices​

  1. Offer multiple options - Customers prefer choices
  2. Put preferred method first - Higher conversion
  3. Use test mode - Verify before accepting real payments
  4. Enable 3D Secure - Reduce fraud with Stripe
  5. Configure webhooks - Reliable payment confirmations

Troubleshooting​

Payment Failed​

  • Check API credentials
  • Verify test/live mode matches credentials
  • Check error logs

Gateway Not Showing​

  • Plugin must be installed AND enabled
  • Configure in EasyCommerce settings