Interac Online Payment System

Interac Online is a new payment option for Canadian merchants that sends a customer directly to his/her bank's online banking page. After the online purchase, all the details of the purchase are transferred to the customer's bank and the customer can then approve the transfer of funds from his/her bank account for direct deposit into the merchant's bank account. It basically works similar to a debit card. No credit cards are involved.

This is a different system than the Certapay system. Certapay allows people to email payments to someone else. Interac Online is done through a bank online banking systems.

I would like to have this as a payment option on my Zen Cart site in addition to the usual CC, PayPal, money order options. Does anyone know how this can be done, or can anyone develop a mod for this? I am not proficient enough to do this myself, so I would appreciate any help from anyone.

This would be a great mod for all Canadian Zen Cart users since it would provide customers with another payment option. It would be an attractive payment option for those without a credit card, or for those who prefer not to use their card online. There is no risk for the customer to use this system so it may help to increase sales for Canadian merchants.

Thanks

There will be Interac services available soon.

Kim:

There will be Interac services available soon.

Hi Kim,
Thanks for the quick reply. Is there any timeline for that? Is there a mod being developed for that now?

Thanks

Which bank do you have your merchant account set up with?
Which gateway service do you currently use?

DrByte:

Which bank do you have your merchant account set up with?
Which gateway service do you currently use?

I am currently in the process of setting my merchant account and gateway. I will either be going with Moneris or InternetSecure.

I'm working on interac support for the Beanstream gateway. Is that something you'd consider using? beanstream.com

DrByte:

I'm working on interac support for the Beanstream gateway. Is that something you'd consider using? beanstream.com

I may be interested in using Beanstream. I was leaning towards Moneris, but I have not decided fully yet.

How long until you have the Beanstream mod finished?

I was hoping to find a couple people to help cover some development costs. I anticipate being able to complete it within the next couple weeks, depending on sponsors. The sooner I have sponsors, the sooner it'll be completed :smile:

Hi Dr. Byte,
Are you working on the whole Beanstream mod or just adding Interac Online to it. I read in the forum that the Beanstream mod had bugs in it. Will it be fully operational for both Interac and CC acceptance when you are done?

Will your mod let customers stay on the website during the payment proccess or will it direct them to a hosted page?

Thanks

toboldlygo:

Hi Dr. Byte,
Are you working on the whole Beanstream mod or just adding Interac Online to it. I read in the forum that the Beanstream mod had bugs in it. Will it be fully operational for both Interac and CC acceptance when you are done?

Will your mod let customers stay on the website during the payment proccess or will it direct them to a hosted page?

With the right sponsorship it will be a fully functional module. CC, interac, stay on website to do payment. A rewrite from the ground up.

Hi Dr. Byte,
That sounds interesting.

My site is almost ready to go so I am looking to get set up with a payment provider right away. I have been seriously considering both Paymentech and Moneris, but in addition to comparing rates and fees, I also have to consider how well their systems will integrate with my Zen site.

There is a Moneris mod that seems to be somewhat "bugy" but there are fixes available for it. And there is a new Paymentech mod that is said to work. However, a fully functional Beanstream mod with Interac Online does sound attactive and may sway my decision towards Beanstream. Ah, decisions, decisions.

You said it would take 2 weeks to complete. Does that include testing and certification by Beanstream? Would the mod handle refunds, voids, etc.? Would the customer enter their CC info on the existing Page 2 of the the checkout (like the Zen CC module)?

Thanks

toboldlygo:

You said it would take 2 weeks to complete. Does that include testing and certification by Beanstream? Would the mod handle refunds, voids, etc.? Would the customer enter their CC info on the existing Page 2 of the the checkout (like the Zen CC module)?Yes, yes, yes, and yes.

lol ... now I'm starting to sound like a "yes-man" ...

DrByte:

Yes, yes, yes, and yes.

lol ... now I'm starting to sound like a "yes-man" ...

Hi Dr. Byte,
That's OK, in this case it is good to be a "yes-man".

This mod sounds really good. I guess I will have to take another look at using Beanstream.

toboldlygo:

This mod sounds really good. I guess I will have to take another look at using Beanstream.

Please tell them Zen Cart sent you.

Hi Dr. Byte,
Beanstream supports both Verified by Visa and MasterCard Secure Code. Will your mod be able to access both of these services?

Will the mod have the CVV number input?

Thanks

toboldlygo:

Beanstream supports both Verified by Visa and MasterCard Secure Code. Will your mod be able to access both of these services?

Will the mod have the CVV number input?

Again, with sufficient sponsorship and time to deliver, yes.

Certapay has left the building.

Now there is https://www.interaconline.com .

Certapay was a great free site on how to send an internet money order for $1.50 to any email. Now interaconline.com is a payment service.

If there is a MOD comming, please make it soon. Paypal is screwing up on my site and Certapay was my best option for customers.

sigh

Hi,
I am trying to make a payment module for the Interac Online system but my php coding knowledge is somewhat limited. I am basically learning how things work just by studying other modules. I am running into a few things I can't figure out and would very much appreciate any help all you more experienced zenners could give me.

What I am doing is modifying the money order module to work for Interac Online. I am not sure if this is the best thing to do, but I thought I would try it. The Interac gateway I want to use has a hosted payment page, so I need to access the page. I have put the URL of their test page into the mod and I seem to be accessing their system. I have also changed everything so that Interac Online appears everywhere it should in the admin and on the payment pages.

I set up a test account with them so to access it, I need to transmit the merchant ID and store ID to them. That is where I am having a problem. Their API documentation tells me how to make an HTML transaction post request, but I don't know to do this in php. This is their simple post request (they are just using examples of ID names and the order total):

How would I structure the post in the money order mod so it transmits the merchant ID and store ID to them? I would prefer to be able to enter this information in the admin settings and have the mod transmit the numbers entered, but for now, I just need to know how to get the ID number to them so I can access the test account. Right now I can access their system, but I get an error page that says "store id not found" since I am not transmitting the ID numbers.

Can anyone help me with this?

Thanks

I have written an Interac Online mod that works with Internet Secure. You might want to try downloading it and see if you tweak it to work with whoever yoru processor is. The download is here: http://www.zen-cart.com/index.php?main_page=product_contrib_info&products_id=817

Thanks Danielle, I have looked at your mod but I could not see what files/sections deal with Interac. Your mod also deals with credit cards so there was a lot of extra stuff to look through. My php knowledge is still somewhat limited.

I have a working Interac Online mod which I made based on the money order mod. I made it to connect with the Admeris system, however, it could probably be modified to work with other systems. I am just not sure about some of the security considerations I should be dealing with. Does anyone know what I should include to make it more secure (i.e. more difficult to spoof, etc.)?

I am also having problems generating an order ID for it. Is there a way to have it post an ID number to Admeris, then back to the cart?

It would also be good to have it return to the checkout_payment page with an error warning in the red box when there is a processing error. Right now, I have it returning to an error page I made with EZ pages. Anyone know how to return it to the checkout_payment page with an error message?

Thanks