The ACI Payment Gateway
- Michael Kalnicki
Overview
This document details single and recurring credit or debit card transactions and bank transactions via the ACI gateway.
If you wish to process recurring payments you will need to have this feature enabled by ACI, as well as make the necessary changes in Engaging Networks.
Using the ACI gateway, we can currently process donations from Visa, MasterCard, American Express, and Discover credit cards.
We strongly recommend that you explicitly confirm the payment methods and currencies available to you with ACI.
Setting up a gateway
It is recommended that you create and keep two separate gateway records in your account, one for testing and one linked to your live gateway. Donation pages should be linked to a test gateway initially, and then switched to a live gateway before launch. To create each one:
Go to Hello (username) > Account Settings > Gateways
Click ‘new payment gateway’ to create a new entry
The fields are set up as follows:
Field | Description |
|---|---|
Reference name | A unique name for the gateway. It is a good idea for the name to include the type of gateway (eg. ACI Test), the currency, and whether it is a live or test gateway. |
Select gateway | Select the ACI gateway. |
Username | The username for your ACI account |
Password | The password for your ACI account |
Business ID | Given to you by ACI with your account credentials |
Division ID | Given to you by ACI with your account credentials |
Test mode | Should be checked for a test gateway, but must be unchecked for a gateway that will accept live donations. |
Required form fields
The following fields need to be set up in the default supporter record and then added to the form in ‘build’.
Basic required fields:
Form Field | Value type | Comments |
|---|---|---|
Email Address | Alphanumeric | Email address identifying the supporter record |
Payment Type | Alpha | *This is optional if the page only accepts credit card payment types, but is required if other types like ACH are accepted on the same form. Credit cards = CreditCard (the specific type will be detected on the form and captured with the transaction) |
Donation Amount | Numeric | May be entered as a whole number or number with two decimal places. Eg. Twelve dollars may be entered as ’12’ or ‘12.00’. You may want to consider using the ‘select with input’ or ‘radio with input’ field types. |
First Name | Alpha | The cardholder’s first name. |
Last Name | Alpha | The cardholder’s last name. |
Address 1 | Alphanumeric | The first address line of the cardholder |
City | Alpha | The address city of the cardholder |
Region | Alpha | The address region of the cardholder. For the US and Canada, this should be a 2 character code for the state/province. For other countries, it is a free text field. |
Country | Alpha | The country of the cardholder. This should be a 2 character ISO code. |
ZIP/ postal code | Alphanumeric | The post/postal/zip code of the |
Credit Card Holder Name | Alpha | The name on the credit card |
Additional fields required for card payments
Form Field | Value type | Description |
|---|---|---|
Credit Card Number | Token | Credit card number w/o spaces |
Credit Card Expiration | Date | Format must be MMYY. It is strongly recommended that you use the ‘split select’ field type for this form field. |
Credit Card Verification value (CVV2 or CVC2) | Token | The additional Card Verification Value printed on the card, used for fraud checks. |
Additional Fields for Recurring Payments
Form Field | Value | Description |
|---|---|---|
Recurring Payment | Alpha | Submitting ‘Y’ will flag the transaction as a recurring payment. Any other value will result in a single payment. |
Recurring Frequency | Alpha | Permitted values are DAILY, MONTHLY, QUARTERLY, SEMI_ANNUAL and ANNUAL. |
Recurring Day | Numeric | The day of the month on which the recurring payment should be taken. (1-29 are allowed) |
Processing ACH
Required Fields for ACH Payments
Form Field | Value | Description |
|---|---|---|
Email Address | Alphanumeric | Email address identifying the supporter record |
Payment Type | Alpha | ACH should be used |
Donation Amount | Numeric | May be entered as a whole number or number with two decimal places. Eg. Twelve Euro may be entered as ’12’ or ‘12.00’. You may want to consider using the ‘select with input’ or ‘radio with input’ field types. |
Bank Account Type | Alpha | PERSONAL CHECKING,PERSONAL SAVINGS,BUSINESS CHECKING,BUSINESS SAVINGS |
Bank Account Number | Numeric | Account number |
Bank Routing Number | Numeric | This is the routing number for the ACH payment |
Testing donation pages
Provided that you are using a gateway set up in test mode, you can use some dedicated card details to test payments. If you are testing with PSD2, then you will need to use different card details.
Visa | 4120300909000003 |
MasterCard | 5102590909090900 |
Amex | 371256509288675 |
Discover | 6011595932208781 |
ACH | Routing: 031000011 |
Your card expiry should be a future date. All other fields may take any valid value for testing.
To test a decline you should use a donation amount of $100.5.