Although in our marketplace / seller architecture payments are usually processed by the marketplace, this can also be done by the seller. This decision of where to process payments depends on the commercial conditions they have negotiated with the payment provider. Therefore, there are two possibilities for processing payments:
- Marketplace processing payments: no development is needed from the seller.
- External seller processing payments: seller should follow the instructions below.
Marketplace orders can often contain items from multiple sellers, which are paid for in a unified checkout experience at the marketplace’s storefront. If external sellers process payments, they are tied to the conditions determined in our Transaction Split. If marketplaces decide to process payments, they can either transfer seller's purchase amount outside of VTEX, or fall under the Payout split flow. We suggest that you read our Split Payment article to better inform the decision of who processes payments.
The following steps are required to enable external sellers to process payments:
Create Gateway Account
For sellers to process payments received from an order, it is necessary to create a VTEX Gateway account, even though their stores are not hosted in VTEX.
VTEX marketplaces can request Gateway accounts to be created for their sellers for a fixed monthly fee. For this type of account, no variable billing is applied.
The marketplace should send an email to one of the addresses below, depending on their region, requesting the additional Gateway account for their external seller. Make sure to include the following information in your email request:
- Account name, included in the VTEX environment url
- Name of the user responsible for the account
- Email of the user responsible for the account
Account Name: sellerstore
User: Carol Danvers
|United States and LatAm||250 USD|
Configure payment settings
The seller’s Gateway account created will be used to set up the payments’ architecture on the seller's side. Some steps are only executed through the VTEX Admin of the Gateway account, while others can be done by API integration. Follow the steps below to configure your payment settings.
Set up gateway affiliations
A gateway affiliation is a set of configurations that represent your contract with a payment gateway of your choice. VTEX has a number of gateway affiliations already working natively in our environment that you can plug into your account.
You can view all the affiliations natively connected to VTEX through your VTEX Admin so you can decide which one suits your payment settings, and then register it through the VTEX Admin by following the steps below.
In case the affiliations natively connected to VTEX do not suit your needs, you can develop your own by following the Payment Provider Protocol.
- Access the VTEX Admin through your Gateway Account.
- On the left navigation menu, click on the Payments tab.
- Click on the Settings page.
- Click on
+to see available affiliations.
- Give your affiliation a name.
- Enter the contract data sent by the chosen Gateway.
- Click on
The full list of affiliations is only visible through the VTEX Admin, by following the steps above from steps 1-4. Once you choose the affiliation that will be implemented, you can use our Insert affiliation endpoint to configure it to your account, instead of following steps 5-7. You can check all affiliations implemented to your store through the Get Affiliations endpoint.
Set up Payment Conditions and Anti-fraud
To finalize Payment settings on the seller's side, it is necessary to set up Payment Conditions, or Rules, and an Anti-fraud for transactions.
It is possible to set up payment conditions through your gateway account’s VTEX Admin. Check Set up the payment options to know how.
The Anti-fraud can be set up through your gateway account’s VTEX Admin. Check Set up the Anti-fraud to know how.
To configure it through API, fill in the
antifraud object in the Insert Rule endpoint.
Once these steps are done, you can move on to the External Seller Connector section of this guide. To finalize the process it is necessary to send your Gateway account name to the marketplace.