Connecting with Barclaycard Smartpay Advance

Barclaycard Smartpay Advance is an enterprise-grade payment gateway that enables you to take payments through both brick-and-mortar and ecommerce channels. The Barclaycard Smartpay Advance gateway supports a wide variety of ways to pay and helps merchants grow their business cross border using local payment methods like iDEAL and Sofort through one single integration.

• Merchant must meet the account eligibility requirements for country, currency, and products.
• Store must be based in one of the supported countries.
• Store must use Optimized One-Page Checkout.
• Store must be processing at least 5,000 orders per month.
• Manage Payments and Manage Settings user permissions must be enabled.

To set up Barclaycard Smartpay Advance, go to Settings › Payments and click Online Payment Methods.

Locate Barclaycard Smartpay Advance and click Set up.

You'll be taken to the Barclaycard Smartpay Advance 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.

Stored Credit Cards

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

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. Unlike in the United States, global debit and credit cards like Visa or Mastercard are not the most popular method for many countries. 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).

To enable an alternative payment method, you will need to have Barclaycard Smartpay Advanced 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. Click on an APM in the list below to see its requirements and limitations.

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
• Bancontact
• iDEAL
• Sofort

• General
• Pricing and Fees
• Account Eligibility
• Transactions
• Refunds
• Additional Features
• Troubleshooting and Payment Disputes
• Supported Countries and Currencies

General

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

• Countries supported: see the table below
• Currencies supported: see the table below

What items are restricted for merchants to sell?

Pawn brokers, furniture, home furnishers, fitting furnishers, herbal remedies, hostels, or interior decorators. 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 the 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
  • iDEAL
  • Sofort

What payment actions are supported?

• authorize only — Please note: this is only supported for credit/debit cards. When authorize only is selected as the transaction mode on your settings page, all other payment methods supported in the integration will be processed as authorize and capture.
• capture
• authorize and 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 Barclaycard dashboard.

Refunds

How soon after a transaction can I perform a refund?

Refunding is available on the BigCommerce control panel 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
• iDEAL
• Sofort

How do I check the status of a refund?

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

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

Twelve 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, Barclaycard Smartpay Advance supports CV2 and address verification (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 Smartpay Advance integration include 3D Secure 2.0 and comply with the 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 Smartpay Advance integration include Stored Credit Cards (Vaulting)?

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

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

Yes, Barclaycard Smartpay Advance is supported by Embedded Checkout.

Does the Barclaycard Smartpay Advance integration support multicurrency?

Yes, multicurrency is supported in the integration. To learn more about the benefits of this feature, see our product blog post, Announcing: BigCommerce Multi-Currency.

Troubleshooting and Payment Disputes

How are payment disputes handled?

Payment disputes can be handled by Barclaycard 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 —  6pm Sunday

Supported Countries and Currencies

Barclaycard Smartpay Advance supports the countries and currencies listed below.

Supported Countries

Supported Currencies