Payment Gateways

#Overview

The Payment Gateways plugin provides a unified payment processing solution for your website. It supports multiple credit card gateways (Authorize.net, CardPointe, and Stripe), ACH bank payments via Paya, and PayPal. You can also define manual payment methods such as bank transfer or cash on delivery. Only one credit card gateway can be active at a time, but you can enable ACH and PayPal alongside it.

#Setup

1. Navigate to Settings > Plugins
2. Find Payment Gateways and click to open the settings page
3. Click Save and Install
4. Enable the payment methods you need and enter the required credentials for each

#Configuration

#General Settings

#Merchant Processing (Credit Cards)

Toggle Enable Credit Card Gateway and select one of the available gateways:

#Authorize.net

To retrieve your API credentials:

1. Log in at account.authorize.net
2. From the main menu, select Account > Settings
3. Click API Credentials & Keys
4. Copy your API Login ID and paste it into the corresponding field in CMS Max
5. Click Submit to generate a new Transaction Key, then copy it into CMS Max

Fraud Detection Suite: Authorize.net includes tools to prevent spam and fraudulent transactions. We recommend enabling these filters in your Authorize.net account:

Granting CMS Max access to your account: If you need the CMS Max team to help configure your gateway, you can add them as a user in Authorize.net under Account > User Administration. Create a new user with the role "Account Admin" and the email info@cmsmax.com.

#CardPointe

#Stripe

Stripe uses a Connect-based integration. After selecting Stripe as your gateway, follow the on-screen OAuth flow to link your Stripe account.

#PayPal

Toggle Enable PayPal Payments to accept PayPal.

To retrieve your PayPal API credentials:

1. Go to developer.paypal.com and sign in
2. Hover over your name in the top-right corner and select Dashboard
3. Click Create App
4. Enter "Web" as the App Name and click Create App
5. On the application details page, click Show next to the Secret field
6. Copy both the Client ID and Secret values into the corresponding fields in CMS Max

#ACH Payments (Paya)

Toggle Enable ACH Payments to accept bank transfers via Paya. ACH transactions typically settle within 2–5 business days.

Applying for a Paya account: To get started with Paya, you will need to provide:

• Business legal name, Tax ID (EIN), and website URL
• Business address and phone number
• Contact person details (name, phone, email)
• Owner information (name, email, phone, ownership percentage — must be 25%+)
• Transaction estimates (average amount, max per transaction, monthly volume)
• Documentation: voided check or bank letter, one month's bank statement, and a current processing statement or business license

Contact CMS Max support for assistance with the Paya application process.

#Manual Payment Methods

Below the online gateways, you can add custom offline payment methods (e.g. Bank Transfer, Money Order, Cash on Delivery). Orders placed with a manual method will have a "pending" payment status until you mark them as paid in the admin panel.

For each manual method, provide:

Manual methods can be reordered by dragging them in the list.