TD Online Mart is TD Merchant Solutions’ online payment gateway, powered by Worldline. TD Online Mart offers a PCI-compliant checkout experience for your customers, digital wallet payments with Apple Pay, fraud mitigation tools to help protect your business, and the benefit of same business day credit to your TD business banking account.
Requirements
- Your store must be located and operated in Canada.
- You must have either CAD or USD as an available transactional currency
- The currency used to connect TD Online Mart must match the currency selected when creating your merchant account. See Common Questions for more information.
- Your store must use Optimized One-Page Checkout.
- The Manage Payments and Manage Settings user permissions must be enabled in your user account.
Setting up TD Online Mart
Before setting up TD Online Mart in your store, you must log in to your TD Online Mart merchant account, or apply for an account if you don’t have one yet.
In your TD Online Mart account, obtain your Merchant ID at the top of Administration › Company info.
Obtain your API passcode credentials and copy them for later use. Click the links below for instructions on obtaining each credential:
If Payment Profiles are not visible in your TD Online Mart merchant account, contact TD Online Mart support.
In your TD Online Mart account, uncheck Restrict Internet Transaction Processing Types under Administration › Account settings › Order settings. This setting is checked by default. If left checked, you will not be able to perform post-order actions in the BigCommerce control panel, such as refunds and manual capture.
In your BigCommerce control panel, navigate to Settings › Payments and select TD Online Mart from the list of Online Payment Methods.
In the TD Online Mart Settings tab, enter the Merchant ID , Payment API access passcode, and Payment Profile API access passcode you copied earlier.
Save your changes to connect the gateway to your store. Your TD Online Mart merchant account is automatically configured in Test Mode. This allows you to to test your checkout flow by using TD Online Mart’s test cards.
When you’re ready to go live, contact TD Online Mart Merchant Support. Wait until they have confirmed that your account is live before accepting live transactions.
TD Online Mart Settings
After enabling TD Online Mart in your store, you can enable the following settings in your control panel, under the TD Online Mart Settings tab of Settings › Payments.
Display Name
The Display Name field allows you to specify how you want the payment option to appear to your customers at checkout. We recommend using a name like Credit card.
Displayed Supported Cards
In the Displayed supported cards field, you can manage which credit card brands appear next to the payment method at checkout. To hide a credit card brand on the checkout page, click the X to the right of the brand name, or click the dropdown arrow and uncheck the box next to the brand name.
Note that hiding a credit card brand does not prevent shoppers from using it at checkout. If you want to change the card brands that your shoppers can use, contact TD Merchant Solutions at 1-800-363-1163.
Transaction Type
Transaction Type specifies how a customer’s funds are handled immediately after placing an order. Selecting Authorize & Capture means that customers are automatically charged when submitting an order, while Authorize Only allows you to capture transactions manually. Note that in order to support authorize-only transactions, you must first configure your TD Online Mart merchant account to support post-order actions.
Stored Credit Cards
Checking the box next to Enable stored credit cards with TD Online Mart allows customers with a storefront account to save their credit card for future purchases. To learn more about this feature, see Enabling Stored Payment Methods.
3D Secure
3D Secure 2.0 (3DS2) is a cardholder authentication service that requires shoppers to enter a preconfigured password associated with their credit card. Before enabling 3D Secure in the BigCommerce control panel, you must activate it for each supported card brand in the Administration › Account settings › Order settings area of your TD Online Mart merchant account. Make sure that you set the Default 3D Secure Version to Version 2.
Note that TD Online Mart does not support 3D Secure for Discover cards. If the 3D Secure settings are not visible in your TD Online Mart account, or you need help with activating 3D secure, contact TD Online Mart Merchant Support.
Once you’ve confirmed that 3D Secure is enabled in your merchant account, return to the BigCommerce control panel, and check the box next to Enable 3D Secure.
Manual Orders
When creating manual orders, you have the option to enter a customer’s payment information and process the order payment. If you want to use TD Online Mart to process manual order payments, check the box next to Enable manual orders.
Common Questions
- General
- Pricing and fees
- Account eligibility
- Transactions
- Refunds
- Additional features
- Troubleshooting and payment disputes
General
If I’m using the legacy Beanstream integration, how can I upgrade to TD Online Mart?
If you are a TD Bank customer and are using the Beanstream integration on Legacy Checkout, you can upgrade to TD Online Mart by following the steps below.
1. Switch your checkout type from One-page checkout to Optimized One-Page Checkout.
Switching to Optimized One-Page Checkout will result in checkout downtime until you’ve completed these steps. We recommend making this change during a period of low store traffic, or after putting your store into maintenance mode.
2. In Settings › Payments, disable the Beanstream integration by toggling it off in the Online Payment Methods list.
3. Follow the setup instructions to connect TD Online Mart in your store.
Pricing and Fees
What fees are associated with TD Online Mart?
Contact TD Merchant Solutions with any questions related to your fees on your TD Online Mart account
Account Eligibility
What currencies and countries does the TD Online Mart support?
TD Online Mart is available for merchants doing business in Canada only and transacting in CAD or USD. Note that the transactional currency used to connect the gateway to your store must match the currency of your TD Online Mart account.
What items are restricted for merchants to sell?
Contact TD Merchant Solutions at 1-800-363-1163 for more information.
Can I use the same account for multiple storefronts?
Yes, you can use your TD Online merchant account to accept transactions from multiple storefronts.
Transactions
After I create an account, what is the waiting period before I can process transactions?
Once you’ve created a TD Online Mart account, it must be approved and activated in test mode by TD Merchant Solutions. Once approved, you will receive an email with the subject line “TD OLM: Account is ready for testing”.
When you are ready to go live, reply to the email, and TD Online Mart support will update your account status within 1 to 2 business days.
How long until the funds are transferred to my business banking account?
If your business bank account is with TD, payment transaction amounts will be posted to your business bank account and dated as of the same business day that the transaction was submitted.
Transactions completed on weekends and holidays will be posted and credited to the TD business banking account as of the next business day.
Will I or my customers receive an additional email or invoice from TD Online Mart?
By default, your customers will only receive the BigCommerce-generated invoice. However, you can configure your TD Online Mart merchant account to send an email to customers with their transaction details by navigating to Administration › Email receipts. See How do I edit my email receipts for more information.
Refunds
How soon after a transaction can I perform a refund?
You can process a refund immediately, as long as the payment is settled.
Is there an amount of time after which I cannot perform a refund?
Generally, refunds can be performed within 2 years of the date of the transaction. Instructions on how to process refunds can be found here.
Are there any fees for chargebacks/refunds?
Contact TD Merchant Solutions at 1-800-363-1163 for more information.
Additional Features
Are there any fraud mitigation tools available?
Yes, TD Online Mart includes the following tools to help mitigate fraudulent activity:
- CVV — Shoppers must enter their credit card’s security code on the checkout page to place an order.
- Address Verification System (AVS) — In your TD Online Mart merchant account, you can review a transaction report which compares the billing address provided at checkout with the address on file at the credit card issuer, and provides different response codes based on the accuracy. See Worldline’s documentation on address verification for more information.
- Risk Thresholds — Specify the risk scores at which you are warned of potential fraudulent transactions, and for when the transaction should be declined automatically. See Worldline’s documentation on risk thresholds for more information.
- Decline Notifications — Receive email notifications whenever a card decline occurs at checkout, allowing you to monitor trends and take action against potentially fraudulent activity. See Worldline’s documentation on decline notifications for more information.
- Transaction Filtering — Block transactions from a certain IP addresses and card numbers to eliminate repeated suspicious activity. See Worldline’s documentation on transaction filtering for more information.
How does a transaction's risk score affect the corresponding order in BigCommerce?
Depending on the Risk Thresholds you’ve configured in your TD Online Mart merchant account and the risk score of the transaction, it will result in one of three actions in your control panel:
- Below your Warn threshold — The transaction is accepted and the order is given the Awaiting Fulfillment status in your control panel; it can be processed normally.
- Between your Warn and Decline thresholds — The transaction is accepted and the order is given the Awaiting Fulfillment status in your control panel. However, you will receive an email notification to advise you of the transaction’s risk score, and the transaction is highlighted in yellow within your TD Online Mart merchant account. From there, you can manually review the order and decide whether you want to fulfill or cancel it.
- Above your Decline threshold — The transaction is declined and the order is given the Canceled status in your control panel. You can find more information on the circumstances of a declined transaction in your Store Logs.
Does TD Online Mart allow authorize-only?
Yes, you can configure the transaction type in your payment gateway settings.
Does TD Online Mart support stored credit cards?
TD Online Mart allows logged-in customers to securely store their credit card details so they can complete future purchases faster. They can also add, edit, and delete stored cards from their storefront account.
Note that your store must be on a Plus plan or higher to enable stored credit cards.
Is TD Online Mart supported by BigCommerce’s embedded checkout?
Yes, you can use TD Online Mart with Embedded Checkout.
Does TD Online Mart support multicurrency? (supported by BigCommerce multicurrency)
TD Online Mart supports CAD and USD as transactional currencies. However, you must integrate the gateway with the same currency selected when you created your TD Online Mart merchant account. For example, if you selected CAD when applying for a TD Online Mart account, you must set it up to use CAD.
To accept payments in both currencies, you must create an additional merchant account in the alternate currency.
Does the payment gateway support processing payments using stored instruments, via the Payments API?
Yes, see Payment Profiles and Credential-on-File Transactions for more information.
Which alternative payment methods (APMs) are available with TD Online Mart?
You can offer Apple Pay on your store by enabling it in your merchant account, then activating it in your BigCommerce control panel. See Apple Pay to see its requirements and setup instructions.
Troubleshooting and Payment Disputes
Why did my shopper receive an error when trying to pay?
TD Online Mart uses Payments API response codes to identify failed transactions. The response code and error message associated with a payment error can be viewed in your Store Logs.
How are payment disputes handled?
Contact TD Merchant Solutions at 1-800-363-1163 to address payment disputes.
How do I contact TD Online Mart’s support team?
For any inquiries related to your TD Online Mart account, such as enabling fraud tools or troubleshooting account issues, you can contact the Customer Care team by emailing them directly at support@onlinemart.ca, submitting a request for email support, or calling their support line at 1-888-472-0811.
For any inquiries related to TD eCommerce Solutions billing or payment disputes, contact TD Merchant Solutions at 1-800-363-1163.
