Payment Link Improvements
planned
Neil McQuillan
This piece has passed testing and will be in an upcoming hotpatch.
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Paul
We were looking it to signing up to this. Thanks for sharing, we'll likely hold off until these are resolved.
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Phil Topliss
Can you advise if this system is securing using 3d secure as we just did a test transaction and it only needed the card details and number on the back
Suzy Weightman
planned
Suzy Weightman
Hi everyone,
I wanted to keep you updated with some changes & improvements we have planned for CitrusPay Payment Links.
- Add an active status to payment links - this will allow you to deactivate any historic links which are no longer required.
- Add visibility of security & risk checks on payments
- Add an "actioned" status to payment links - this will allow you to mark a payment link as actioned (i.e. the payment has been added to an order/transaction)
- We'll add the ability to create a payment link for an "adhoc" value without the requirement to add a miscellaneous item to the transaction/order.
- We'll add the ability to process refunds against payment links, and see the full history of the payment.
We'll be starting work on these changes in March, and we'll be hoping to roll these out in the first half of 2024.
Thanks!
Suzy
Neil McQuillan
Merged in a post:
Send Payment Link improvements
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Stefan Moody
We've had to temporarily disable the Send Payment Link option for all of our stores. It's a great feature but some improvemnts need to be made to make it fit for purpose.
There are too many ways for it to go wrong through the tills.
The Back Office Payment Link History is the only place to see if you have received a payment.
We need a direct link here to open up the customer account in POS 2.0.
If you open up the customer account in POS 2.0 there is no indication that they have made a payment.
It is too easy to open up the wrong customer account. (Similar name...etc)
There is no indication that a payment has been processed through the till. Far too easy for different staff to put payments through multiple times.
Our accounts do not get sufficient information to track the payments into our back account. The payment ref is just showing '0'
Summary: Increased security needed.
1/ Direct link to the customer account from Payment History.
2/ Notification on the customer account (POS and Back Office) that a Payment Link has been paid.
3/ Confirmation that the Payment Link payment has been used through the customer account and can't be used again!
4/ Identifyable ref in the bank payments. Better Merchant MT info for our accounts to identify the types of payment.
We can then set up a new Payment Type and start using it.
Thanks,
Stefan
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Richard Twinn
Great ideas! we've had to disable ours too due to not being able to easily refund. hopefully this can gai nsome traction!
Neil McQuillan
Great to see this feature has got some interest.
We added it at the request of customers who wanted a more secure way of accepting Card Holder Not Present transactions. We thought refunds via a differing payment method looked reasonable for a first stab at the feature, but I'm sure we'll develop this feature further as it seems to be gathering a decent bit of interest.
The deposits piece is interesting Richard I'd not considered this as a use case.
We did consider the tender integration and refunds as I mention above but I think if we'd gone down the route the piece would never have seen the light of day.
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Richard Twinn
Neil McQuillan: Thanks Neil, we'll turn it back on if deposits were a thing and it'd get used constantly by us!
Neil McQuillan
Richard Twinn: Thank you for the positive feedback, its good to hear that this feature is useful. Beyond the Card Holder Not Present requirement we did not have certainty it would be that useful.
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Richard Twinn
Neil McQuillan: it will be, staff have to use paymentsense pay by link at the moment and that causes slow downs and issues as it's not integrated, so having it integrated will be hugh in costs and time!
Neil McQuillan
Richard Twinn: I might have spoken too soon here.
We have a solution for deposits which might or might not work for you.
As the payment link is not a confirmed payment we cannot use it to take a deposit, but you can add a misc line to the order 'DepositViaPaymentLink' with must enter price, and then the cashier sets the deposit amount and sends a payment link.
When the link is paid the incoming message in POS is flagged and it will appear in the payments lists in the back office, it can then be moved to a deposit on the order.
This is integrated and perhaps less manual than using a completely separate payment links option?
We've learnt from our Klarna integration not to link tender tasks to third party payment platforms as that integration is super fragile due the way transactions in the POS get altered
AFTER
the payment has been taken, which is why payment links are only lightly integrated (I'm not sure if that makes sense).R
Richard Twinn
Neil McQuillan: Thanks Neil, we did get suggested this by your support team. it unfortuntatley will not work for us as it will inflate the value of the order and put our order values and reporting off.
i've also spoken to our support team and they cannot use the link either as they take 25% deposits to hold bikes while the customer gets their CycleToWork voucher organised.
they then also need to refund the deposit when the voucher comes in. I don't think this anything to different to what other CL customers do. (maybe it is) but hopefully will be a common process other CL customers will vote on it.
we can then use your payment system instead of a 3rd party and the trasnactions fees we pay to them can go to you instead! :)
Neil McQuillan
Richard Twinn: So basically you'd just want to be able to create a link for an arbitrary value which you move to a deposit once the paid notification arrives in POS?
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Richard Twinn
Neil McQuillan: that's how we use paymentsense. so if that's a "phase 1" that would be a great astep forward.
ideally it would link automtaically to the transaction line so the staff do not have to do anything once it comes in. Saving time, mistakes and bikes being oversold.
see poorly done paint example below!
Suzy Weightman
Richard Twinn: Hi Richard,
I just thought I'd add to this, in case it helps. But if you add a misc line to the order to use for the Payment Link (i.e. a non-inventory line), this doesn't need to remain on the order and can just be added temporarily whilst you send the link then removed from the order (or just No Sale and don't save the order).
This would mean the value of the order wouldn't be inflated or changed.
Thanks,
Suzy
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Richard Twinn
Suzy Weightman: Thanks. so it would only be on there for a few seconds? (can it be a Negative value? :) )
I'm going to guess the next 2 issues we'll come across if we do that.
- unless it's in the notes. no one will know if a payment link has been sent. as there'll be no evidence on the order a deposit has been requested? (similar to paymentsense now but they provide an email as a push notification to us, we get notified rather than us having to go searching.
- we'd still like it to automatically link to the item
(a) so the customer knows exactly what they're paying for (on the email to customer it'll just say "DepositLine" £250 not "Trek Madone 54 Red ETC."
(b) the payment gets applied to to the order meaning less time with admin and more time making sales!
We'll still need to refund after (so you get a transaction fee for the sale and the refund!!) which in Paymentsense is one click and no hassel for the customer, but this way it would be a paypal or BACS which feels more awkward for the customer.
I think if we could refund we could give this method a go and see what it looks like! and help the original requestor too!
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Ben
Neil McQuillan: Definitely a great new feature idea. I think it is 100% worth you investing in adding the extra few features (refunds, fraud checks, notification customisation) to make it a core piece. Unfortunately without these, like Richard Twinn we cannot move away from using the 3rd party payment solutions we currently use.
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Ben
Agree, not sure how this has been omitted, even as an MVP launch. Our team got excited about the feature only to find:
- You can't refund
- Payments do not show in Cloud MT so you can't check fraud scores
- Notifications go to all registers which confuses things between web and store teams.
Would also be great if it linked to a tender type so you can auto refund from Cloud POS like a web order.
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Richard Twinn
Ben: Suzy Weightman I agree, also we cannot take deposits using this, we have to add a 'deposit' line, which cannot work as it will artificially inflate the order value and will not work for reporting. it would've been great if feedback was asked before it went live. We now have to turn this feature off until it's usable for us
Adding a box where you can choose the amount would be great. (positive and negative amounts!)