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LearningBuilder can collect payments from end-users in many different ways. Adding integrations for gateways not listed here is generally possible with minor innovation. |
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Payflow Payments Pro | This service uses PayPal as the payment gateway and payment processor. PayPal performs all transaction processing prior to depositing into the client's merchant account. Customers using Payflow Payments Pro sign up for PayPal Pro service, which is around $30/month (as of July 2012). PayPal Payments Pro uses the concept of a "sandbox" for performing test transactions and a separate, live site. Payment processing is available through Secure Post mode but refund processing through LearningBuilder is not supported.
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Payflow Pro | This service uses PayPal as the Payment Gateway but uses a third party payment processor. This interface is the result of PayPal's purchase of Verisign, which first developed the Payflow Pro product. PayPal now uses it for advanced interfaces that use other payment processors. Payments and refunds are both functional, and are supported in both the Secure Post and Hosted Pages iFrame Checkout configurations.
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Authorize.Net | Authorize.Net is an alternative gateway to PayPal. If the organization has already established a relationship with Authorize.Net and wishes to use this gateway, LearningBuilder can be configured to support it. Payment processing is available but refund processing through LearningBuilder is not supported. This Payment Gateway is functional in Secure Post and 3-Step Handshake Checkout Modes.
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Moolah | Moolah is an alternative gateway which is focused on Non-Profit organizations. The support of this gateway was introduced in LearningBuilder 8.10 and is only functional in the 3-Step Handshake Checkout Mode. | ||||
USAePay | USAePay provides a number of payment solutions. Currently, LearningBuilder supports the "2-Step Client-Side" mode only for this gateway. | ||||
Alabama Interacive | This gateway is specifically used for Alabama Government clients. The support of this gateways will be introduced in LearningBuilder 10.8 planned for Aug 2021 and will function as either a Hosted Pages or Hosted pages + iFrame. |
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Obtaining an Internet Merchant Account
To accept credit cards over the Internet, you need a special account called an Internet Merchant Account. If PayPal is your merchant bank, you do not need the Internet Merchant Account. Your account provider or merchant (acquiring) bank works with a PayPal-supported credit card processor. Examples are First Data, TSYS Acquiring Solutions (formerly Vital Processing Services), and Paymentech. To accept live credit cards, provide details about your account to PayPal during the "Go Live" part of enrollment.
An Internet Merchant Account is a different type of merchant account. It has additional risks associated with card-not-present (e-commerce) transactions. It is different from a merchant account used for face-to-face/card-present (in-person) retail transactions. Obtain an Internet Merchant Account even if you already accept credit cards at your location. To apply for an Internet Merchant Account, contact your merchant (acquiring) bank.
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