Since new PA/DSS compliance requirements came out some time ago, our clients were asking for simplifying credit card checkout. X-Payments module works but is expensive and complex and saving credit card feature was not working too well last time we tested.
There is an alternative and, for several months now we used Authorize.net DPM module from BCS Engineering. This module does not need X-Payments and offer customers option to safely enter credit card number right on checkout page. Recently, Authorize.net included tokenization into DPM module to allow customers securely save credit card and reuse it later for faster checkout.
BCS Engineering added that feature into the latest version of their module and made it the best checkout option for X-cart. If you are using or considering Authorinze.net as your payment gateway, here is how we would recommend setting up your checkout options:
- Authorize.net gateway with your merchant account configured with “Authorize.net DPM” module from BCS Engineering to accept credit card and offer “Save my card” feature to your customers;
- Paypal Standard method to allow customers to pay with Paypal account;
- Phone orders is recommended as well to capture any orders which had problems with using credit card or Paypal to checkout.
There are two tricks we learned about setting up Authorize.net DPM with “save credit card” feature:
- Authorize.net CIM has to be enabled in your Authroize.net account if you want to offer “save credit card” feature.
- CVV number is required by default but has to be set to optional for “save credit card” feature to work (this has to be changed in your Authorize.net account). You still need to keep CVV filter enabled and set to decline transaction if number does not match:
This way, first time customer is using credit card, X-cart will force CVV to be entered and Authorize.net will check it and decline if it does not match but if customer is using that card again, store will not ask for CVV and Authorize.net will not decline transaction because filter for “Should be on card, but is not indicated” is not set to decline.
You can find more information on BCS Engineering website or let us know if you are interested in this module and want us to arrange and install it in your store.
