Proposal Summary
The proposed solution aims to integrate CardPointe ACH payment gateway with NetSuite using API integration. This integration will allow users to process payments directly within NetSuite, streamlining the payment process.
Requirement
Wireless Masters would like to do the Payment integration for Cardpointe and NetSuite. They need to accept payment for ACH through NetSuite.
Deliverable
This proposed solution involves developing a payment gateway integration that allows Mega Tel Wireless to pay from NetSuite using Card pointe ACH.
We will create a custom button named “ACH Pay” within NetSuite for invoices in the “Open” status. When users click this button after saving the record, it will host an HTML page displaying ACH payment details”.
This modification will introduce two buttons in the invoice record: “Credit Card Pay” and “ACH Pay”.
We will be handling following two scenarios on the HTML page:
- If the customer profile with ACH details is already stored in Cardpointe, we will fetch the details from the Cardpointe platform and display them on the HTML page. After the user clicks the pay button, the payment will be initiated in Cardpointe.
- If the customer ACH profile is not stored, we will initiate the addition of the Bank Account details on the HTML page. We will then pass the API to Cardpointe for creating the customer profile and saving it.
In this scenario, the user will need to input the following field values for CardPointe: Account Number, Routing Number, Account Type.
After getting confirmation regarding the payment, we will store the response in one of the custom fields in the NetSuite invoice record and store the reference ID for future reference.
Whenever the payment is made successfull, we will return to the invoice record and change its status to “Paid in Full”. We will also create a customer payment with the payment amount.
Moving buttons to Payment record
The “ACH Pay” and “Credit Card Pay” buttons will be relocated to the payment record, applicable when the payment is in the “Not Deposited” status. When these buttons are triggered, payments will be captured either in ACH or Credit Card mode, based on the button selected. The payment amount will be derived from the “Payment Amount” field within the payment record.
After having the successful response from the cardpointe we will be creating the Depositing the amount onto the suggested Bank account from Wireless Masters by creating a Deposit record in Netsuite.
Response Validation
Upon receiving a response from CardPointe indicating either a successful or failed payment transaction, the system will store these responses inside the payment record in a Custom field.
Deposit Record Creation
Upon receiving a successful response from CardPointe, the system will proceed to generate a deposit record within Netsuite. This deposit record will be generated based on the payment record, ensuring accurate transaction tracking. Furthermore, the deposit will be closely associated with the suggested bank account supplied by Wireless Masters.
Assumptions
The proposed solution is based on the following assumptions:
- The Cardpointe payment gateway supports all the necessary features and APIs required to integrate ACH payment with NetSuite.
- The HTML page for ACH payment details can be securely hosted and accessed only by authorized users.
- Pay buttons (For credit card and ACH) will be available only in Invoice record.
- This ACH payment integration will be from Netsuite to Cardpointe only.
- Payments will be captured directly within CardPointe based on the button selection. If the user clicks the “ACH Pay” button, the payment will be processed as an ACH payment. Likewise, clicking the “Credit Card Pay” button it will initiate a credit card payment.
- Any modifications made to this amount will not be considered or factored into the process. The amount will remain as calculated directly from the sum of the total amount from the chosen invoices
- The deposit record’s creation date will align with the day it was generated.
Questions
- Could you please provide the bank account that will be impacted by the deposit transaction for both ACH and Credit Card payments?
Risks
- Integration issues with Cardpointe payment gateway, such as API compatibility issues, may cause delays in the integration process.
- Security risks associated with handling sensitive customer data such as card details and reference IDs.
- Any changes in the Cardpointe API or NetSuite API may cause the integration to fail.
- Any errors during the payment process, such as payment failures, may impact customer satisfaction
- Any errors in storing the payment details in NetSuite may result in discrepancies in accounting records.