As part of our Economic Exchange events series, we recently hosted a free Campaigns and Online Donations seminar. We heard some great advice from experts Lara Samuels, from the Communications Hub, and Richard Miranda, from Digital Mums, about how to set goals and track success with different campaigns. We also took a bit more of a deep dive into online payment options that integrate with Salesforce. These can be a great way to speed up and monitor the financial success of your fundraising or sales campaigns.
If you are looking at the options for taking credit card payments or direct debit from within Salesforce or from a public website with payment and contact details stored in Salesforce, we can suggest some options. However the decision is not quite as simple as it may seem. Transaction and gateway fees, matching records and the possibility of several levels of charges make the decision challenging. That’s why we’re here to demystify the terms and assist you with choosing the right supplier for your needs.
To be able to process credit card payments, the solution requires both a Payment Gateway and a Merchant Facility or Merchant Account.
A Payment Gateway is a “behind the scenes” service in the credit card processing industry and is required for merchants wishing to accept online credit card payments or payments through a virtual terminal. It is responsible for receiving the payment data from the front-end system, encrypting it, sending it to the bank for processing, receiving the bank’s authorization, and then communicating the authorization information back to the front-end.
A Merchant Facility or Merchant Account is a line of credit account that allows a business to accept card payments from its customers.
Before choosing a solution you should ask questions like, is the payment gateway bank specific? Does it work your merchant account? Also check for the types of transaction supported; the common ones are purchase, refunds, authorisation, and tokenisation –for charging a card later or for taking regular payments.
Regarding charges, these come from the software solution –per user, organisation or transaction; from the payment gateway and from the merchant facility. You will want to check the charges on both sides and evaluate them against the volume and average amount of transactions to see which options are best (i.e. a per transaction fee vs. a percentage).
It is always a good idea to have a look at the AppExchange reviews. Here are some solutions:
Asperato enable customers the option to collect payments via Direct Debit, Debit Card or Credit Card. They can choose their Payment Gateway and their Merchant account (currently they connect with GoCardless for Direct Debits, Cardsave, WorldPay and Irdium to name a few).
Asperato handles event and fixed price subscription payments as well as one-off payments. It uses standard objects, apart from a custom object that handles the repeat /recurring payment collections. It offers refund and error alert handling.
It’s flexible and reliable but it could be expensive for a small number of transactions.
It does not have a separate events management software, all details are channelled into campaigns and opportunities.
Payment Connect by Linvio
This links your Salesforce account with your Authorize.Net, Google Checkout, PayPal, eWay and/or WorldPay account and handles credit card payments, hosted web payments, refunds and manual check/money order transactions and recurring payments.
PaymentConnect is a very robust solution in use by many for-profit businesses, as well as nonprofits. PaymentConnect is not a cheap option but they offer very good support and a great product.
Click and Pledge
Click and Pledge specialise in Merchant banking for non-profits. Fees cover all merchant bank/credit card fees, software and support.
Process all major credit/debit cards/e-checks online [Visa, MasterCard, Discover, and American Express]. It also processes online transactions, virtual terminal, card swipe, mobile payments and recurring payment options. They also have an event management tool. The monthly fee is inclusive of email and forum support.
A word of caution: Reviews in the AppExchange are not as good as for the previous solutions.
Brickwork by iATS Payments integrates with the Nonprofit Starter Pack and all Salesforce editions to allow your organization to accept credit card and direct debit payments from your website’s online donation form or through the iATS virtual terminal in Brickwork. It has a built in recurring payment but it also integrates with recurrent donations and payment objects that come within the Salesforce starter pack.
It’s free from the app exchange but you need an iATS payment merchant account. Set up and configuration is easy. Brickwork has very good customer service and it’s very clear to chase a transaction through the system.
Chargent Payment Processing
Accept credit card and ACH payments directly from Opportunities, Cases, or Chargent Orders (custom) with no third-party integration or terminal required. It supports 20 Payment Gateways – Authorize.net, Stripe, Paypal and more. It also offers PCI compliant payment processing directly from within Salesforce. You can choose between automated one-time or recurring billing. Charge, Authorize, Void and Refund buttons let you take payments in real-time.
This product gets 5 out of 5 in the Appexchange.