Methods of Payment

Dave McNamara
Dave McNamara
  • Updated

When a customer makes a purchase with your Organisation, a payment will usually form a part of the transaction. Transactions can happen in person, online, by phone or through other methods such as an invoice.

Spektrix allows you to process transactions using several methods of payment as standard:

Before reading this article, makes sure you are familiar with:

 

Cash Payments

Cash is a common method of payment for many Spektrix Users. It is widely accepted in Box Offices. You can connect a USB cash drawer to your Spektrix system via the Box Office App.

It’s not essential to use a USB cash drawer, but if you do, Spektrix can integrate with USB-powered cash drawers so that when you take cash payments, the drawer opens automatically.

 

Card Payments (UK and Ireland)

Several different types of card payments can be used with Spektrix in the UK and Ireland.

Cards accepted include Visa and Mastercard. American Express (Amex) can also be used, though you should check with your finance team as not all organisations accept Amex payments.

Along with your business bank account you’ll need an account with a Merchant/Acquiring Bank to accept card payments, as well as a Payment Service Provider to actually put payments through. Spektrix works with the Payment Service Provider Opayo (formerly Sagepay). For more information on Merchant/Acquiring Banks and Payment Service Providers, read Banks and Merchant Numbers.

Once you have an account with your Merchant/Acquiring Bank, you’ll need to request that your bank sets up Merchant Numbers (MID) for you. You will need a Merchant Number for the following:

  1. MOTO (Mail Order/Telephone Orders)
  2. Ecommerce (Web transactions)
  3. EPOS (Electronic Point of Sale, for example counter transactions)
  4. You may also need a Merchant number (MID) to set up Continuous Authority

During Implementation, you’ll need to supply Merchant Numbers to Spektrix Support to get everything set up correctly.

If you change your Merchant Bank, your Merchant ID, or add Continuous Authority, Spektrix will send you a form to complete and return, which we will send to Opayo.

Customer Present (Chip & PIN)

Customer present transactions are known as EPOS (Electronic Point of Sale).

To accept payments where the Customer is present, such as at the Box Office, you’ll need a PIN Pad (also known as a Chip & PIN machine or PED/ped) for each terminal. Read our Introduction to PIN Pads (UK and Ireland) for more information.

Spektrix works with integrated PIN Pads, which connect to your PCs via USB so that they can communicate directly with Opayo. Opayo’s Chip & PIN Software, Guardian, works with Verifone VX820 and P400 PIN Pads.

In addition to Card payments, Customers making a Contactless payment can also use Apple Pay/Google Pay if they have a card stored in their phone’s wallet.

TIP: You will need to upgrade any existing Verifone VX820 PIN Pads to the Verifone P400 before 31st December 2025 to remain PCI compliant. For information, read Ordering a PIN Pad (UK and Ireland).

3-D Secure (UK and Ireland Only)

Since March 2022, Payment Service Providers, Banks and Merchants in the UK have been required to use SCA (Strong Customer Authentication) to make the processing of online and contactless card payments less prone to fraud.

3-D Secure authentication is a fraud prevention scheme available to all companies using Opayo systems to process transactions using Strong Customer Authentication. It protects Customers and lets your organisation align with PSD2 to ensure payments are authenticated by banks and Payment Service Providers.

If you accept Chip & PIN payments in the UK and Ireland, you’ll need to adhere to these Payment Industry requirements. Follow the instructions in Payment Services Directive 2 and Strong Customer Authentication to ensure your Organisation complies with SCA requirements.

 

Card Payments (US Only)

Along with your business bank account you’ll need a Payment Services Provider to put payments through your Spektrix system.

There are several Payment Services Providers available to US clients. These include Authorize.net and Worldpay:

Authorize.net

Authorize.net is a US-based Payment Gateway service provider, enabling merchants to accept credit card and electronic payments through their website.

Authorize.net’s Customer Information Manager (CIM) service allows you to store a Customers’ payment information on their secure servers for use in future transactions.

CIM simplifies the checkout process for repeat customers. It can also help you comply with the Payment Card Industry (PCI) Data Security Standard.

While CIM allows you to store card details, you’ll need to use Automated Recurring Billing (ARB) for Continuous Authority and to auto-renew Memberships.

Worldpay

Worldpay Is a Merchant Services and Payment Processing Provider offering a payment gateway for online transactions. Worldpay accepts payments through various methods, including credit/debit cards and e-wallets, and offers merchants the ability to use the Worldpay Payment Gateway.

If you want to store a Customer’s payment information, Worldpay uses a system called Tokenization. The Tokenization process replaces a credit card number with a reference number (the token). Worldpay stores this information in a secure vault. The token can then be stored on your system and accessed only when you submit a transaction through Worldpay.

Merchant/Acquiring Banks

As well as a Payment Services Provider, you’ll also need a Merchant/Acquiring Bank.

You can use any Merchant Account that works with one of our Partner Gateways. These Gateways also provide these services alongside their Gateway services.

Once your Gateway and Merchant Account are connected, you can provide the unique credentials for each Gateway to Spektrix Support for us to link to within Spektrix. These are:

  • Authorize.net: API Login ID and API Transaction Key
  • Worldpay: Account ID, Account Token, Acceptor ID, and Terminal ID
  • Moneris: Store ID and API Token

WARNING: Regenerating the Transaction Key will disable any existing integrated products with Authorize.net

 

Card Payments (Canada Only)

Spektrix Users in Canada can process integrated Card payments via Web (Ecommerce) and MOTO payment channels. For Customer Present payments (at the Box Office), you’ll need to manually type the card details into Spektrix.

Worldpay

Worldpay Is a Merchant Services and Payment Processing Provider offering a payment gateway for online transactions. Worldpay accepts payments through various methods, including credit/debit cards and e-wallets, and offers merchants the ability to use the Worldpay Payment Gateway.

If you want to store a Customer’s payment information, Worldpay uses a system called Tokenization. The Tokenization process replaces a credit card number with a reference number (the token). Worldpay stores this information in a secure vault. The token can then be stored on your system and accessed only when you submit a transaction through Worldpay.

Moneris

Moneris is a Canadian Payment Processor and Acquirer, providing Credit and Debit card processing services.

If you want to store a Customer’s payment information, Moneris refers to this as the Vault. You can find more information about Moneris Vault services here.

Moneris can also work with Digital Wallets.

Authorize.net

Authorize.net is a US-based payment gateway service provider, enabling merchants to accept credit card and electronic payments through their website.

Authorize.net’s Customer Information Manager (CIM) service allows you to store a Customers’ payment information on their secure servers for use in future transactions.

CIM simplifies the checkout process for repeat customers. It can also help you comply with the Payment Card Industry (PCI) Data Security Standard.

While CIM allows you to store card details, you’ll need to use Automated Recurring Billing (ARB) for Continuous Authority and to auto-renew Memberships.

Merchant/Acquiring Banks

As well as a Payment Services Provider, you’ll also need a Merchant/Acquiring Bank.

You can use any Merchant Account that works with one of our Partner Gateways. These Gateways also provide these services alongside their Gateway services.

Once your Gateway and Merchant Account are connected, you can provide the unique credentials for each Gateway for us to link to within Spektrix. These are:

  • Authorize.net: API Login ID and API Transaction Key
  • Worldpay: Account ID, Account Token, Acceptor ID, and Terminal ID
  • Moneris: Store ID and API Token

WARNING: Regenerating the Transaction Key will disable any existing integrated products with Authorize.net

Interac

Some Canadian Organisations use Interac, a national debit program, to take debit card payments. Interac payments are processed on terminals which are separate from Spektrix. Users who process payments via an Interac terminal will need to set up and process the payment in Spektrix as a Custom Payment Type.

 

Customer Not Present

Payments processed where the Customer is not present are known as MOTO payments (Mail Order/Telephone Orders). You’ll use the Phone channel in Spektrix to process MOTO payments:

 

Phone_Channel.jpg

 

Card (Customer not present) and Chip & PIN Payments will both show up under the Payments tab in the Payments section of the basket in the Sales Interface:

 

Payment_Types_Cart_Basket.jpg

 

Card is only enabled as a Payment method once you add Customer to the basket.

TIP: To take a payment from a Customer who is not present, you'll need the customer on the phone so they can provide you with the card’s Security Code. You can process Customer not present payments without the customer’s Security Code, but only if you have Continuous Authority set up. You’ll always need the customer’s consent to do this.

 

Cardholder Wallets

When taking payments where the Customer is not present, you may sometimes use a stored payment card, known as a Card Holder Wallet. For PCI compliance, the Customer’s card details are stored by the Payment Service Provider.

When using this Method of Payment, you only need to enter the card’s 3 or 4 digit Security Code.

TIP: This feature is available in the UK and Ireland if you use Opayo (formerly SagePay) for Ecommerce and MOTO transactions.

It is available in the US and Canada if you use Worldpay, Authorize.net or Moneris for Ecommerce and MOTO transactions.

Cardholder Wallets enable your customers to store their card details so that they can use them again without having to enter the full details.

Once the details are stored, you can also charge the card through the Box Office without having to take the full details; the Customer needs to agree to this and provide the card’s Security Code.

You can also charge the card at regular intervals to automatically renew Memberships.

Using Cardholder Wallets in the UK or Ireland

If you’d like to use Card Holder Wallets in the UK and Ireland, contact the Account Manager at your Acquiring bank to request a Merchant Number for Continuous Authority.

Once you have these Merchant Numbers, contact Spektrix Support. We will send you a form to complete and return to get everything set up correctly. This will also enable you to take advantage of Auto-Renewable Memberships.

Using Cardholder Wallets in the US or Canada

If you’d like to use Card Holder Wallets in the US or Canada, contact your Payment Service Provider and follow their instructions for Continuous Authority (for example, the Vault for Moneris in Canada).

Once you have this information, contact Support. We can then enable Continuous Authority in your system. This will also enable you to take advantage of Auto-Renewable Memberships.

 

Continuous Authority and Auto-Renewable Memberships

If you’ve already requested a Merchant Number to use Cardholder Wallets, you don’t need to repeat the process to set up Continuous Authority.

UK and Ireland

TIP:  If you want to set up automated payments for Membership renewals, contact your Account Manager at your Acquiring Bank to request a new Merchant Number which allows Continuous Authority.

Once you have this number, contact Support who will add it to your Payment Processor accounts and enable it in your system. This will allow you to charge the card without needing the card’s security code, enabling you to use Auto-Renewable Memberships.

US and Canada

Once you have confirmed that your Payment Services Provider has the relevant feature for recurring payments (for example ARB for Authorize.net), contact Support.

 

Account Credit and Gift Vouchers

With Account Credit, no money changes hands in the transaction. This is usually because a Gift Voucher has been redeemed and added to an account as a Credit balance. You can also add Credit to a Customer’s account for one of the following reasons:

  • You’re returning or exchanging tickets and applying Credit so the Customer can rebook
  • You’re applying a goodwill Credit to a Customer’s Account

Read How does Spektrix deal with Credit for more information on Account Credit and Gift Vouchers.

Gift Vouchers

A Gift Voucher in Spektrix is purchased by a Customer to give as a gift. When a Gift Voucher is redeemed, the value of the Gift Voucher is added to the recipient’s Account and converted into Account Credit.

You can find more information on Gift Vouchers in these articles:

Account Credit and Gift Vouchers can both be used via the Credit, deposit & vouchers tab in the Cart/Basket:

Use_Customers_Credit_Or_Vouchers.jpg

PayPal

As well as Payment Service Providers such as Opayo and WorldPay who process card payments, Spektrix also integrates with PayPal.

Payments made through PayPal and Spektrix are processed automatically and authorised instantly (subject to available funds). This gives your Customers even more choice of payment methods.

PayPal is only available with the Classic Checkout in Spektrix. You’ll also need a PayPal Business Account. Check with your finance team before proceeding, as some organisations may already have a PayPal Business account.

Once PayPal is set up in Spektrix, your Customers will see it during the Checkout stage on your website:

Classic_Checkout_Paypal.jpg

 

When PayPal is selected, Customers will next see a Pay with PayPal button in the Payment section of the Checkout:

Classic_Checkout_Paypal_Confirmation.jpg

 

When a Customer clicks this Pay with PayPal button, a PayPal login screen will appear. Customers then enter their PayPal Email address or Mobile Number and Password to complete the transaction.

For more information on using PayPal as a Method of Payment, read PayPal and Spektrix.

 

Custom Payment Types

Many Organisations also accept other methods of payment, such as cheque, invoice, or bank transfer; these can be set up in Spektrix by creating Custom Payment Types.

TIP: Custom Payment Types can only be used in the Sales Interface, or for payments processed via integrated Partner Products. They can’t be used by Customers online.

You’ll process these payments outside of Spektrix, then use a Custom Payment Type to reflect the payment in Spektrix.

 

Reporting on Methods of Payment

To keep track of which Methods of Payment have been used in your Spektrix system, you’ll use the Payments and Activities report. This report shows all payments received over a set period, broken down into Activities.

The report breaks down all your Payment types (including Cash, Card Types, Gift Vouchers and Custom Payments) and also shows the gross totals for commissions, Events, Merchandise sales, Donations and Memberships.

REMINDER: In Spektrix, it’s possible to use multiple Methods of Payment in a single Order. A single Order may also contain multiple Events and items. Therefore, it's not possible to report on payments by Event. You can find out more about Mixed Payments here in Report Types.

Spektrix provides a number of reports for reporting on Methods of Payment. These are:

You can find out more about Reporting in our article, Report Types.

 

You now have the information you need to work with different Methods of Payment in Spektrix.