Getting started with bizpay

August 1, 2018

Getting started with bizpay is a relatively quick process and you should be able to get up and running within 5 minutes.

 

By the end of this guide, you'll hopefully understand the basics of how bizpay works and what it can do. You'll also have setup your account and created a checkout process which you can use to take payment from customers.

 

To begin it's important that you understand the core of the system and the elements which make it up.

 

At it's core bizpay provides a technology which allows automated payments to be taken from customers via multiple different methods. You can setup a schedule of payments to be taken via bizpay and then the system will take those payments for you from the methods which your customers have chosen to provide.

 

The bizpay system has 6 critical elements.

 

1. Customers - refers to your buyers, essentially people who make payments to you. 

 

2. Plans - This is where you control the payment options which should be presented to customers and the payment methods you are happy to accept from them. Plans are one of the most critical elements to understand as they are one of the ways the pricing you offer to customers is controlled.

 

3. Quotes - These are where you add products and combine them with plans and customers. By creating a quote you can calculate multiple pricing options and payment periods, customers can then select one of these in order to trigger a schedule of payments to be initiated.

 

4. Agreements - Once you have a payment schedule confirmed, you can create an agreement. Agreements are a list of charges that will be made to a customer.

 

5. Charges - These are payments which are made.

 

6. Payment gateways - These are external systems which offer the ability to take payments, once the API keys and credentials have been entered bizpay is able to operate these external systems on your behalf.

 

7. Payment methods - These are specific ways which payment can be made by customers. With bizpay you can control accepted payment methods and apply restrictions in the payment methods section, for example stop stripe from accepting American Express (Amex) or not only accept debit cards not credit.

 

 

Quick start guide

 

After creating an account and entering details of your organisation, the next step required to use bizpay is to decide which payment methods to support.

 

Payment methods are managed in the payment gateways and payment methods sections of the bizpay admin console.

 

As an example we will connect the stripe payment gateway.

 

1. Visit https://admin.bizpay.co.uk/gateways/create

2. Select the stripe option and enter a name for the gateway

3. Select whether it is live or test

4. Enter the test public and private api keys for your stripe account - these can be obtained from the developer section of the stripe dashboard and should begin with pk_test and sk_test.

5. Submit the form.

 

Once confirmed the stripe gateway is linked to bizpay and you'll be able to generate charges.

 

Setting up payment methods

 

Once the gateway is connected you need to add a payment method. We are going to add cards.

 

1. Visit https://admin.bizpay.co.uk/payment_methods/create

2. You will see you have a number of options here, select stripe

3. Select the gateway which you just created in the gateway section.

4. Enter in a name which will help customers identify the method, for example "Pay by card"

5. Enter a private name which you will use to identify this method in future.

6. Submit the form

 

Once the form has submitted successfully you can then click on the method to view it's restrictions. Once created you can view the elements which you can block for the method.

 

Setting up notifications

 

With bizpay you're able to send automated notifications to your customers for every payment action which happens within bizpay. For example, each time a payment fails, you can ask them to make the payment again. You can also automatically message them to thank them for payments, to notify them of changes (like late payment fees for example). To review the messages which will be sent you can view the customer notifications section of the admin console here.

 

We recommend leaving the notifications on the default settings however you can also disable them all and send your own notifications based on responses from our API.

 

Adding payment options

 

Now that you have added a gateway and payment method, it's necessary to define the pricing model you want to use for transactions. One of the main advantages of using bizpay is the ability to offer a range of payment options to customers which they can then pay via multiple different methods.

 

A payment option does not relate to how someone pays you (card, paypal, direct debit, etc), it relates to when and what they pay. For example you could define 3 payment options, payment immediately for £1000 or payment over 2 monthly instalments of £1050 and payment over 4 monthly instalments for £1100. Options like this can be created in plans.

 

Using plans combined with our standard interfaces, you can give your customers choices about the period over which they would like to pay that change the price. They can then pay the created instalment plan with any payment method you decide to support. The sample interface is an example, you can customise these interfaces to present things however you like to your customers.

 

 

Within plans you can define any number of pricing options you like over any period (days, weeks, months, etc). We will create a new plan now. The plan will have 3 pricing options.

 

a. Immediate payment, which will not increase the price at all.

b. payment split over 2 months which will increase the price by £50

c. payment split over 4 months which will increase the price by £100.

 

1. Visit https://admin.bizpay.co.uk/plans/create

2. There are two types of possible plan, instalment and invoice. As we want our payment options to be split over a period we need to select instalment. If invoice was selected the full amount would be due at the end of the term.

3. Enter a name for your new plan.

4. Select the currency you would like to use.

5. Next we will create our 3 pricing options.

    a. Name the first pricing option, Immediate payment, leave the default entry of 1 period and the pre tax and tax prices set to 0.

   b. Click the plus at the bottom to add another payment option. Give the name "Pay over 2 months", set the period to 2, and the pre tax price to 50, tax price leave as 0.

   c. Click the plus at the bottom again for the last time. Name the option "Pay over 4 months, set the period to 4, the pre tax price to 100 and the tax price to 0.

6. Within plans you are able to restrict the payment methods you would like to support. For the purpose of this example, we will not add any payment methods here and this will mean all the currently active payment methods will be added automatically.

7. Save the plan.

 

Creating a quote with products

 

Now that we have created the pricing options we would like to offer, we can link them to a product and create a form which customers can use to enter their details and make payments. With bizpay it's possible to create quotes dynamically from a website where each product changes based on the user (this is done via the bizpay API) or statically using the admin console (as we are doing now).

 

1. Visit https://admin.bizpay.co.uk/quotes/create

2. Select the plan which you just created

3. You will now enter in an example product. You'll need to choose a name for it and then set the pre tax and tax price of "100" and "20" respectively.

4. You can add multiple products in the same way as you created the pricing options by clicking the blue plus "Add new product" button.

5. Review the seller information and then click save.

 

You'll now see the quote list showing your new quote. If you click the live preview link for your quote, you will see the default user interfaces which we provide, allowing you to enter customer details, select a payment option, provide a card and make a payment. 

 

If you visit this link, enter customer details, select a pricing option and enter one of the below test card numbers, you will see an agreement being created. This will result in the due payment being made, both in the interface and also you will see the testing area of your stripe account reflect the payment.

 

To make the payment live all you would need to do is repeat the steps above for the gateway section and enter in pk_live and sk_live from stripe.

 

Our default interfaces support, secure customer authentication (the new version of 3D secure which stripe call payment intents) and all valid testing cards. You can also restrict Amex, credit cards in general or any specific card type you choose from the payment method area.

 

Test cards which you can use to make test payments:

  • 4242 4242 4242 4242 - Visa credit (put any valid expiry and 3 digit CVC)

  • 4000 0566 5566 5556 - Visa debit (put any valid expiry and 3 digit CVC

  • 5200 8282 8282 8210 - Mastercard debit (put any valid expiry and 3 digit CVC)

  • 3782 8224 6310 005 - American Express (put any valid expiry and 4 digit CVC)

  • 4000 0000 0000 3063 - Visa credit with 3D Secure required (put any valid expiry and 3 digit CVC)

 

So far we have not delved into all the options available as part of quote and plan. With bizpay you're able to control many aspects of how prices are applied and how agreements are created within quote and plan. To view all the additional options available for each section, click the advanced options button in the top right corner of the admin console interface.

 

Agreements


If you use the preview link to enter in a customer and confirm a payment you will create an agreement. Agreements can be viewed by visiting the agreements section of the admin console. Agreements contain a list of payments which will be taken from a specific customer. If you chose to use our default interfaces information you place in the seller section together with the product details will be shown on the agreement interface page.

 

Agreements allow customers to manage the payment methods they would like to use. A customer can assign any number of payment methods to an agreement and providing they have given consent, these methods can then be charged automatically via the admin console. Agreements can have automated cancellation and refund functionality, as well as the ability to add additional items after being created (for example late payment fees).

 

In closing

 

As part of this example you have added a gateway and payment method, created a plan with payment options and defined a quote with a link that can be used by customers to create agreements. 

 

If you have any questions about the above or the advanced options available within either plan, quote or agreements - please contact us and our team will be happy to explain. 

 

 

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