Magento Beanstream Interac Payment Module

Offer your Canadian clients the same options in an online environment as they have at a retail store. Accepting Interac Online payments allows you to tap into a network of 24 million Canadians who trust the Interac brand. Interac only supports the following banks in Canada: TD Canada Trust, RBC, BMO, and Scotia Bank.

Highlights

Lower your risk
Processing and authentication is done direct by the customer's bank. You'll avoid fraud-coded chargebacks and lower transaction risks.

Lower your costs
INTERAC Online fees are lower than online credit card processing fees. Accepting this alternate payment method will save you money.

Increase your revenue
The INTERAC Online service attracts the younger demographic and the credit weary. Provide an option for younger consumers and other clients who can't get or won't use credit cards.

Increase your sales!
Its secure ~ Personal information is only shared with the customer's trusted financial institution
Its easy ~ Transactions work through a customer's banking portal - they know and trust it
It's not credit ~ Payments re made from a bank account - no interest, no postponed payment

74% of Canadians prefer to use their own money - not credit. Until recently, online purchasing in Canada was limited to credit card transactions. Not any more. Our Beanstream Interac module offers a preferred payment alternative to the 24 million Canadians that already have a bank card.

How it works

1. From your checkout the client selects Beanstream Interac payment menthod.
2. They are directed to the Interac Online site where they select their bank.
3. From their financial institution they login and approve the transaction.
4. The client is returned to your site, the payment is confirmed and the order complete.

Support

Need help? Please contact us at chlabs@collinsharper.com. Paid installation is available.

We do not test any of our modules on the Windows platform nor do we warrant or guarantee they will work on Windows.

Before installing / updating or anything else
You should always backup your Magento Database & Magento Installation files.
For more instructions on how to backup your installation please refer to these instructions.

Please read all instructions before you start so you understand all the caveats of installing this module.

To Upgrade
If you have a previous version of this module installed you will just need to follow the installation instructions and replace all the files.

Unzipping and Uploading
After you have downloaded the Beanstream Interac module for your store, please use a tool like Winrar, WinZip or similar to unzip the contents of the ZIP file you downloaded. Now check the extracted files, you should an "app" folder.

Then you are ready to upload your files. Open your favorite FTP/SFTP/SCP client and connect to the server with your Magento installation. Navigate to the root folder of the Magento installation, in other words the folder that contains folders like "app", "skin", "js", "lib" and more. Then, upload the extracted folders directly into the root of your Magento installation. Your FTP client will not overwrite any files, it will only upload the new files that come with the software.

Once done, it will create an Interac folder in the frontend/default/default/template/interac folder this will have to exist in your current template folder (ie: design/frontend/CollinsHarper.com/default/template/interac).

Configuration
After you have uploaded the files, you need to login to your Magento administration panel and refresh your cache by going to System > Cache management. Choose "Select All" and click "Refresh", so the cache gets updated. Then, go to your System > Configuration page and select Payment Methods. Verify that you have a new option called "Beanstream Interac Payments" in the Payment Methods page. If you can see it there, Beanstream Interac has been installed correctly.



The admin side configuration requires your beanstream login details. When you configure your interac account, beanstream will ask you what your term URL's will be. They will appear similar to:
https://SITENAME/interac/standard/redirect < source page (*redirect referrer)
https://SITENAME/interac/standard/cancel < cancel return page (*NON-FUNDED)
https://SITENAME/interac/standard/success < success return page (*FUNDED)
Be very cautious with sitename vs www.sitename as your SSL may have errors if it does not match.

If you have CAV enabled on your account, you need to deselect require CAV on all transactions. The minimum amount for CAV must always be 0.00.


Testing
After you have configured the module and products, you need to make sure it is tested properly. Please open your Magento website in a browser, add a product to your cart, and then navigate to the payment methods and see how it looks. If the checkout looks good and everything seems to be working, please make a few test purchases with your different options (cancel, success, etc).

Support
Need help? Please contact us at chlabs@collinsharper.com or call 1-866-325-9627. Paid installation is available.