Stripe Payment Elements - Improved User Experience

Ordway’s Payment System is moving towards an improved user experience by incorporating Stripe Gateway’s comprehensive user interface component known as Payment Element that facilitates integration of over 40+ payment methods and ensures more secure payment transactions.

Changes are seen on the following pages:

1. Payments Gateway 
2. Customer Details - Add/Update Payment methods
3. External Pages - PayNow Portal & Customer Portal

Payments Gateway 

A multi select drop-down menu displays on the Payment Gateway Page to allow for the selection of the following payment method options:

Customer Details

A multi-select drop-down menu appears on the Customer Details Page to choose payment method options. Based on the Payment method option chosen, customers can add a certain payment method. 

Add Payment Method Form

Link Integration

Link is a payment wallet supported by Stripe that stores Payment Methods. For more information and for creating a new Link account, visit https://stripe.com/payments/link.

1. By clicking Continue with Link, users are able to add payment methods associated with Link wallet.
2. An Email field displays on the payment method addition form. This field is mandatory if using Link as a medium for storing Payment methods.
3. When an email is provided, Stripe scans the email to identify if the email already exists on the Link Account.  For any payment methods already associated with the email, a field to enter authentication code displays. Enter the code sent to the mobile number associated with the Link account. Once authenticated, saved payment methods start display for the user. 

When the added email is a new one, Stripe provides an option to Signup for Link by providing a phone number field. By checking this field, the user agrees to proceed with adding a payment method via Link.

Users can add multiple payment methods within the Link session and can also remove and update payment methods.

To discontinue the Link Session and to opt out, simply log out of the session by clicking the 3 dots present on the right side of the email field.

Once the payment is added, it displays under the saved payment methods of the application.

Similar changes can be observed as follows: 

• Quotes Page where Payment method addition is required
• Payment Method Update Email 
• Customer Portal
• External Pages in context with Payment Method Addition

Changes on the PayNow Portal

1. As soon as the user clicks on the Invoice due email which opens to the Ordway external PayNow page, Invoice(s) are preselected to show the relevant payment methods available.

Note: 

• Unchecking the invoice or 0 amount in the Amount to Apply field will NOT render the relevant payment methods.
• Alter the payment amounts needed. 

2. Any existing Payment methods show under saved payment methods.
3. Continue with Link will function the same as described under the Link Integration section above.
4. ACH US Bank Accounts now have financial connections (previously called Instant Verification) embedded within the payment element.

5. If using Affirm as the mode of payment, a minimum of $50 and a maximum of $30,000 is allowed per transaction.
6. If using Canadian Preauthorized Debit, a minimum of $0.50 and a maximum of $3000 is allowed per transaction.
7. Additionally, users are provided the option to save payment methods for future usage for all Credit Card, ACH US Bank Account

Notes: 

For error messages encountered including where a certain payment method is not enabled on the dashboard, yet it is displayed in the Select Payment Method; it may be because the payment method is not enabled at the account level payment method configuration. 

Example: 

To enable the payment method at your configuration level, navigate to your Stripe dashboard to the payment method configuration page and ensure the relevant payment method has been made Active.

Within the Payment Gateways and encounter a similar issue, it may be due to the Stripe Gateway not having an Account Name. Ensure an Account name has been added.

Notes about ACH Credit / ACH Balance Transfer Payment method:

• ACH Credit / ACH Balance Transfer Supports only USD. Please use a card payment method if paying non-USD currencies.
• If the cash balance is $0, the Continue button on the PayNow portal will be disabled and the user is asked to choose a different payment method OR fund the cash balance.