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Connecting with Barclaycard

Barclaycard is an enterprise grade Payment Gateway that enables you to take payments through both face to face and eCommerce channels. The Barclaycard gateway supports a wide variety of ways to pay and helps merchants grow their business cross border using local payment methods like iDEAL, Sofort and Giropay through one single integration.

 

Requirements

  • Must meet the Account Eligibility Requirements for country, currency, and products.
  • Store must be based in the United Kingdom
  • Store must use Optimized One-Page Checkout
 

Setting up Barclaycard

To set up Barclaycard, go to Store Setup > Payments and click Online Payment Methods

Online Payment Methods

Locate Barclaycard and click Set up.

Set up button

You'll be taken to the Barclaycard Settings tab. In the fields below, enter the credentials from your Barclaycard account into their corresponding fields, then click Save when done.

  • Client ID — The Client ID provided by Barclaycard when you created your account.
  • Shared Secret (Test) — The shared secret value to your test account provided by Barclaycard when you created your account.
  • Shared Secret (Live) — The shared secret value to your live account provided by Barclaycard when you created your account.
  • Transaction Type — Select Authorize and capture (recommended) or Authorize Only. See Manually Capturing Transactions for details.
  • Test Mode — determines whether your store is in Test Mode. Set to No (recommended) when you are ready to take payments.

Barclaycard Settings

Stored Credit Cards

To enable Stored Credit Cards for your Barclaycard account, toggle Enable stored cards with Barclaycard.

Enable Stored Credit Cards toggle

 

Alternative Payment Methods

If you are interested in selling your products in a new country, it's important to offer popular payment methods that shoppers in that country both recognize and trust. The popularity of payment gateways differs greatly by region and country. In many countries, global debit and credit cards, such as Visa or Mastercard, are not the most popular method. Instead, shoppers expect to see alternative payment methods (APMs) such as a local bank transfer ( like iDEAL in the Netherlands) or a local digital wallet (AliPay in China). See the table below for more information.

To enable an alternative payment method, you will need to have Barclaycard set up on your store, and the specific APM must be enabled on your Barclaycard account (requests for enablement are made through your Barclaycard representative). Local payment methods may have certain shopper requirements in order to be available for use, so shoppers will see only the local payment methods applicable for their geolocation.

While using an APM during checkout, shoppers will be redirected to the payment method to finalize their payment, then redirected back to the store once checkout is completed. Note that recurring payments are not supported by APMs.

Alipay

Alipay is the most widely used third-party online payment service provider in China. its primary product is a digital wallet, Alipay Wallet, which also includes a mobile app that allows customers to conduct transactions directly from their mobile devices.

Your shoppers can checkout using Alipay when:

  • Barclaycard has been configured on your store
  • Alipay has been enabled in your Barclaycard account
  • the transaction currency on the order is GBP, EUR, USD, AUD, CAD, SGD, or HKD

Alipay also supports:

  • refunding from within the BigCommerce control panel
  • Authorize & Capture

Our Alipay integration does not currently support:

  • Vaulting or Recurring payments
  • Authorize-Only

Bancontact

Bancontact is the most popular payment method in Belgium, and the market leader for both online and in-store transactions. All Bancontact cards are co-branded with maestro.

Your shoppers can checkout using Bancontact when:

  • Barclaycard has been configured on your store
  • Bancontact has been enabled in your Barclaycard account
  • the transaction currency on the order is Euro (EUR)

Bancontact also supports:

  • 3D-Secure (this is mandatory for Ecommerce)
  • Authorize & Capture

Our Bancontact integration does not currently support:

  • Vaulting or Recurring payments
  • Authorize-Only
  • refunding from within the BigCommerce control panel

Giropay

Giropay is the official online banking payment network that is supported by most local and cooperative German banks. Giropay is a guaranteed payment method, meaning that there is no chance of a chargeback.

Your shoppers can checkout using Giropay when:

  • Barclaycard has been configured on your store
  • Giropay has been enabled in your Barclaycard account
  • the transaction currency on the order is Euro (EUR)

Giropay also supports:

  • Authorize & Capture

Our Giropay integration does not currently support:

  • Vaulting or Recurring payments
  • Authorize-Only
  • refunding from within the BigCommerce control panel

iDEAL

iDEAL is the most used online banking payment method in the Netherlands, supported by all the major Dutch consumer banks. Nearly all online shoppers in the Netherlands know iDEAL, and nearly 95% have used it at least once. iDEAL is a guaranteed payment method, meaning that there is no chance of a chargeback.

Your shoppers can checkout using iDEAL when:

  • Barclaycard has been configured on your store
  • iDEAL has been enabled in your Barclaycard account
  • the transaction currency on the order is Euro (EUR)

iDEAL also supports:

  • Authorize & Capture

Our iDEAL integration does not currently support:

  • Vaulting or Recurring payments
  • Authorize-Only
  • refunding from within the BigCommerce control panel

Sofort

Sofort is the main online direct payment method and is the banking payment method primarily popular in Germany, Austria, Switzerland, and Belgium. It is also available and gaining popularity in the Netherlands, Italy, Spain, Poland, and the United Kingdom.

Your shoppers can checkout using Sofort when:

  • Barclaycard has been configured on your store
  • Sofort has been enabled in your Barclaycard account
  • the transaction currency on the order is Euro (EUR)

Sofort also supports:

  • Authorize & Capture

Our Sofort integration does not currently support:

  • Vaulting or Recurring payments
  • Authorize-Only
  • Refunding from within the BigCommerce control panel
 

Common Questions

General

What currencies does BigCommerce's Barclaycard integration support?

The Currencies supported are:

AEDCOPISKSGD
ARSCZKRUBTHB
AUDPLNJPYTRY
PENDKKKRWTWD
BGNEURLKRUSD
BOBGBPSARUYU
BRLPYGMAD
PHPHKDMXN
CADHRKMYR
CHFHUFSEK
CLPRONNOK
PKRILSNPR
CNYINRNZD

What global and local credit/debit cards are supported by BigCommerce's Barclaycard integration?

The integration supports:

  • Visa
  • American Express
  • Mastercard
  • Maestro

Pricing and Fees

What fees are associated with the gateway?

Bespoke Pricing is offered to customers. Please contact the Barclaycard Sales Team.

Account Eligibility

What currencies and countries does Barclaycard support?

  • Countries supported: United Kingdom only
  • Currencies supported: (see above)

What items are restricted for merchants to sell?

Pawn Brokers, Furniture home furnishers, fitting furnishers, herbal remedies, hostels, interior decorators etc. Please check the full list with the Barclaycard team.

Transactions

After I create an account, what is the waiting period before I can process transactions?

Merchants will require a test account and Merchant ID before they can start processing transactions. Please contact Barclaycard team to get your test account and application for a Merchant ID.

How long until the funds are transferred to my bank?

Usually between 1 - 3 days.

What payment methods are displayed to shoppers at checkout?

The following payment methods are available in the integration:

  • Cards
    • Visa
    • American Express
    • Master Card
    • Maestro
    • JCB
  • Alternative Payment Methods
    • Alipay
    • Bancontact
    • Sofort
    • iDEAL
    • Giropay

What payment actions are supported?

  • Authorize-Only — Please note: this is only supported for credit/debit cards. When Authorize-Only is selected as the trasnaction mode on your settings page, all other payment methods supported in the integration will be processed as Authorize & Capture.
  • Capture
  • Authorize & Capture
  • Void
  • Refund (full & partial) — Please note: Refund from within your BigCommerce control panel is only supported for credit/debit cards and Alipay. For all other payment methods, refunds must be handled from within your BigCommerce dashboard.

Authorize Only

Refunds

How soon after a transaction can I perform a refund?

Refund is available on the BigCommerce merchant portal once the transaction is captured.

How do I perform a refund?

The following payment methods can be refunded from within your BigCommerce control panel:

  • Credit cards
  • Alipay

The following payment methods must be refunded from within your Barclaycard dashboard:

  • Bancontact
  • Sofort
  • iDEAL
  • Giropay

How do I check the status of a refund?

You can check if the refund transaction is processed from the Barclaycard/APM dashboard.

Is there an amount of time after which I cannot perform a refund?

12 months from the original purchase for card payment.

Are there any fees for chargebacks or refunds?

Yes. Refunds are also classified as card transactions.

Additional Features

Are there any fraud filtering options available?

Yes. CV2/AVS checks. Transactions are automatically accepted or rejected based on:

  • CV2 rules configured within your Barclaycard dashboard
  • AVS rules configured within your Barclaycard dashboard

Does the Barclaycard integration include 3D Secure 2.0 and comply with hte PSD2 regulation in Europe?

Yes. 3D Secure 2 is supported with a fallback to 3D Secure 1 (in the event the issuing bank does not support 3D Secure 2). 3D Secure is always automatically enabled on your Barclaycard account, and there is no option to disable it from your BigCommerce control panel.

Does the Barclaycard integration include Stored Credit Cards (Vaulting)?

Yes, only credit/debit cards can be stored with Barclaycard. See Enabling Stored Payment Methods for more information on this feature.

Is the Barclaycard integration supported by BigCommerce's embedded checkout?

No, Barclaycard is not currently supported by Embedded Checkout.

Does the Barclaycard integration support Multicurrency?

Yes. Multicurrency is supported in the integration. To learn more about the benefits of this feature, see here.

Troubleshooting and Payment Disputes

How are payment disputes handled?

Payment disputes can be handled by our customer service representatives.

How do I contact the Barclaycard's Support?

You can reach Barclaycard's Incident Management team by either of the methods listed below:

  • Email: BPS.PI.Support.barclaycard.co.uk
  • Phone: 0330 159 6665 Option 2

Before you get in touch with Barclaycard, make sure you have the information listed below. This will allow them to assist you with your incident query much quicker:

  • details of the company contact information
  • a detailed description of the problem or issue
  • any relevant log files, configuration files, or supporting information.
  • relevant captured screenshots
  • If you are contacting Barclaycard by email, you should attach as many of these as you have to your first email.

When you get in touch with Barclaycard, they will raise an incident, assign a priority, and pass it on to triage for initial review. You'll be given an incident reference number to help you keep track of your issue, and they will quote this reference each time they contact you regarding the incident.

Incident Priority Support Hours/Days:

  • P1 & Major Incidents
    • 24 hours Monday to Sunday (including UK Bank Holidays & Christmas Day)
  • P2 — P4
    • 8am — 8pm Monday to Saturday
  • P2 — P4
    • 9am &emdash; 6pm Sunday

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