eft support in payment gateways?

[Mason Harding]

Do any payment gateways on ofbiz 11.04 support EFT?  When I do a test
purchase on the ecommerce store with an eft payment type, I see in the logs
it attempting to use a payment gateway, but none of the payment gateways
seem to support it.

Thanks,
Mason

[Ted Byers]

On Mon, Feb 25, 2013 at 2:44 PM, Mason Harding <[hidden email]> wrote:
> Do any payment gateways on ofbiz 11.04 support EFT?  When I do a test
> purchase on the ecommerce store with an eft payment type, I see in the logs
> it attempting to use a payment gateway, but none of the payment gateways
> seem to support it.
>
> Thanks,
> Mason

You may want to be more precise in your question.  See the range of
concepts that 'ETF' coveres.  As ETF covers credit card, card holder
initiated, transactions, then they all do.

As for ach or echecks, some do and some do not (IIRC, NMI does ACH and
echacks, but I do not know even if OFBiz has that integration - and
even if it did, you'd have to have your NMI account configured to use
a mid at a processing bank that supports it - I haven't investigated
that that closely).  Even if you are using a processing bank that
supports echecks or ACH, that does not guarantee you'll be able to use
them for that purpose as I have seen merchants with accounts at
processing banks that in general support it, but may not have that
enabled on al accounts it opens for a given merchant.

As for debit cards, or direct deposit, I do not know as none of the
processors or gateways or processing banks I have worked with
supported them.

If you do not get satisfaction for what you're after, and if you know
peerl, you can right your own web service using
Business::OnlinePayment, and those perl packages derived from it, as
that gives you automatically integrated to about 6 dozen processing
banks and gateways, many of which support all forms of ETF.  I am not
aware of a comparable Java based library of packages, though you may
want to investigate that as use of them might be even simpler than
writing your own processign api.  Then, once you have done that, you
just add code to have you ofbiz stores send their transactions to your
own transaction processing service (with, at worst, an extra stop with
perhaps a second ot two extra time required to complete a transaction
(mine does a lot of data validation, along with other checks and fraud
prevention code, so my average round trip takes about 3 seconds,
including my first hop to my host inthe cloud).  Check online and the
top fastest, most reliable, ecommerce vendors take between 6 and 20
seconds for the sme round trip.

Cheers

Ted

[Mason Harding]

Thanks so much for your help Ted.

To be more specific, I would like to do ACH direct debit.  Authorize.net
supports that through their payment gateway, but I do not believe that
Ofbiz's Authorize.net payment gateway service supports anything other than
CC.  I'm new at Ofbiz, and didn't know if I was missing anything as far as
enabling ACH direct debt.  I see that paying via EFT is supported in the
ecommerce store...that just stores the bank info in the DB, but does
nothing else with it?

Thanks,
Mason


On Mon, Feb 25, 2013 at 8:28 PM, Ted Byers <[hidden email]> wrote:

> On Mon, Feb 25, 2013 at 2:44 PM, Mason Harding <[hidden email]> wrote:
> > Do any payment gateways on ofbiz 11.04 support EFT?  When I do a test
> > purchase on the ecommerce store with an eft payment type, I see in the
> logs
> > it attempting to use a payment gateway, but none of the payment gateways
> > seem to support it.
> >
> > Thanks,
> > Mason
>
> You may want to be more precise in your question.  See the range of
> concepts that 'ETF' coveres.  As ETF covers credit card, card holder
> initiated, transactions, then they all do.
>
> As for ach or echecks, some do and some do not (IIRC, NMI does ACH and
> echacks, but I do not know even if OFBiz has that integration - and
> even if it did, you'd have to have your NMI account configured to use
> a mid at a processing bank that supports it - I haven't investigated
> that that closely).  Even if you are using a processing bank that
> supports echecks or ACH, that does not guarantee you'll be able to use
> them for that purpose as I have seen merchants with accounts at
> processing banks that in general support it, but may not have that
> enabled on al accounts it opens for a given merchant.
>
> As for debit cards, or direct deposit, I do not know as none of the
> processors or gateways or processing banks I have worked with
> supported them.
>
> If you do not get satisfaction for what you're after, and if you know
> peerl, you can right your own web service using
> Business::OnlinePayment, and those perl packages derived from it, as
> that gives you automatically integrated to about 6 dozen processing
> banks and gateways, many of which support all forms of ETF.  I am not
> aware of a comparable Java based library of packages, though you may
> want to investigate that as use of them might be even simpler than
> writing your own processign api.  Then, once you have done that, you
> just add code to have you ofbiz stores send their transactions to your
> own transaction processing service (with, at worst, an extra stop with
> perhaps a second ot two extra time required to complete a transaction
> (mine does a lot of data validation, along with other checks and fraud
> prevention code, so my average round trip takes about 3 seconds,
> including my first hop to my host inthe cloud).  Check online and the
> top fastest, most reliable, ecommerce vendors take between 6 and 20
> seconds for the sme round trip.
>
> Cheers
>
> Ted
>

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[Ted Byers]

On Mon, Feb 25, 2013 at 3:57 PM, Mason Harding <[hidden email]> wrote:

> Thanks so much for your help Ted.
>
> To be more specific, I would like to do ACH direct debit.  Authorize.net
> supports that through their payment gateway, but I do not believe that
> Ofbiz's Authorize.net payment gateway service supports anything other than
> CC.  I'm new at Ofbiz, and didn't know if I was missing anything as far as
> enabling ACH direct debt.  I see that paying via EFT is supported in the
> ecommerce store...that just stores the bank info in the DB, but does
> nothing else with it?
>

Well, unless there is someone out there who knows that code, who can
tell you, you will need to examine the code yourself, and determine
whether or not that support is complete there.  Different coders that
have done integrations make different assumptions about what is
required, subject to the constraints of what the web service they're
coding to requires.  For example, in the gateway code I have
developed, there is only support for credit card transactions,
although I know that NMI, one of the commercial gateways I use, also
supports echeck.

In Business::OnlinePayment::AuthorizeNet, credit card and echeck
transactions are supported, but apparently not debit card
transactions.  The corresponding package for Paymenttech does not have
support for echeck or recurring billing, even though Paymentech itself
does.

I do not know the code in OFBiz well enough to tell you about support
it has for the different kinds of ETF for each processor or gateway
for which it already has an integration.

If you find it, let me know what files need to be examined or used as
a prototype to make a new integration supporting different kinds of
ETF transaction; or, better, if you find a programming guide that
tells you about this, I'd love to hear about it (or suggestions as to
how best to integrate my fraud prevent code with OFBiz' shopping cart
and checkout system - in addtion to plugging in my own gateway code, I
need to find out how to connect OFBiz shopping cart/checkout system
with a separate WordPress site).

Sorry I can't advise further.

Cheers

Ted

[Mason Harding]

Thanks again for your help.

I'll look over Authorize.net's API, and the Authorize.net OfBiz payment
gateway service, and see if I can figure out how to add support for echecks.

Thanks,
Mason