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Payment Processing

This guide covers how to configure and manage payment processing for your store in Spicerack, including setting up payment gateways, processing transactions, and handling refunds.

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Payment Processing Overview

Spicerack’s payment system allows you to:
  • Accept payments for products and event registrations
  • Process multiple payment methods
  • Handle refunds and exchanges
  • Generate financial reports
  • Reconcile transactions

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Setting Up Payment Gateways

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Available Payment Gateways

Spicerack supports multiple payment providers:
  • Stripe
  • PayPal
  • Square
  • Authorize.net
  • Custom payment solutions

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Configuring Your Primary Gateway

  1. Navigate to Store > Settings > Payments
  2. Click Add Payment Gateway
  3. Select your preferred gateway
  4. Follow the provider-specific setup steps:
    • Create or connect your account
    • Enter API keys or credentials
    • Configure webhook URLs if required
    • Set up 3D Secure (if applicable)
  5. Test the connection
  6. Set as primary gateway (if desired)

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Setting Up Multiple Gateways

You can configure multiple payment options:
  1. After setting up your primary gateway, click Add Another Gateway
  2. Configure additional gateway
  3. Set processing preferences:
    • Order of priority
    • Conditions for using each gateway
    • Default gateway for different transaction types

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Payment Methods

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Configuring Accepted Payment Methods

  1. Go to Store > Settings > Payment Methods
  2. Enable/disable available methods:
    • Credit/debit cards
    • Digital wallets (Apple Pay, Google Pay)
    • ACH/bank transfers
    • Store credit
    • Gift cards
  3. Set processing fees (if applicable)
  4. Save your settings

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In-Store Payment Options

Configure additional options for physical locations:
  1. Navigate to Store > Settings > In-Store Payments
  2. Enable relevant options:
    • Cash payments
    • Card present transactions
    • Contactless payments
    • Check acceptance
  3. Configure receipt printing options
  4. Save settings

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Processing Transactions

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Taking Online Payments

Transactions through your online store:
  1. Customer selects products and proceeds to checkout
  2. They enter payment information
  3. Spicerack processes the payment through your configured gateway
  4. Transaction status and confirmation are shown
  5. Receipts are automatically sent

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Processing In-Person Payments

For physical store transactions:
  1. Navigate to Store > POS
  2. Add products to the cart
  3. Click Checkout
  4. Select payment method
  5. Process payment through connected terminal or manually enter details
  6. Complete transaction and print receipt (optional)

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Managing Store Credit and Gift Cards

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Setting Up Store Credit

  1. Go to Store > Settings > Store Credit
  2. Enable store credit
  3. Configure options:
    • Expiration settings
    • Minimum/maximum amounts
    • Usage restrictions

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Issuing Store Credit

  1. Navigate to Store > Customers
  2. Select a customer
  3. Click Add Store Credit
  4. Enter amount and reason
  5. Set expiration (if applicable)
  6. Save changes

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Creating Gift Card Programs

  1. Go to Store > Gift Cards > Settings
  2. Enable gift cards
  3. Configure gift card options:
    • Design templates
    • Denominations
    • Expiration settings
    • Usage restrictions
  4. Save settings

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Handling Refunds and Returns

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Processing a Refund

  1. Locate the order in Store > Orders
  2. Click on the order to view details
  3. Select Process Refund
  4. Choose refund type:
    • Full refund
    • Partial refund
    • Store credit
  5. Enter refund reason
  6. Submit refund request

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Return Policy Configuration

  1. Navigate to Store > Settings > Returns
  2. Configure your return policy:
    • Return window
    • Eligible products
    • Return conditions
    • Processing fees (if applicable)
  3. Save your policy

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Financial Reporting

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Generating Transaction Reports

  1. Go to Store > Reports > Finances
  2. Select report type:
    • Sales summary
    • Payment method breakdown
    • Refund analysis
    • Tax reports
  3. Set date range and filters
  4. Generate and export report

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Reconciliation Tools

  1. Navigate to Store > Finances > Reconciliation
  2. Select the time period to reconcile
  3. Compare gateway reports with Spicerack records
  4. Identify and resolve discrepancies
  5. Mark period as reconciled

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Security and Compliance

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PCI Compliance

Ensure your payment processing meets security standards:
  1. Go to Store > Settings > Security
  2. Review PCI compliance status
  3. Complete any required security questionnaires
  4. Configure security settings:
    • Card data storage options
    • Encryption settings
    • Access controls

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Fraud Prevention

Set up tools to prevent fraudulent transactions:
  1. Navigate to Store > Settings > Fraud Prevention
  2. Configure fraud detection rules:
    • Address verification requirements
    • CVV verification
    • Suspicious transaction flags
    • IP location checks
  3. Set action for flagged transactions
  4. Save settings