How to Accept & store Credit Cards in Virtumart without a processor - No need of Paypal pro! (manual processing)
Paypal Pro suck the money from your online transactions. $30 monthly fee, plus a fee for each transaction!
Below are a few easy steps, so you can process the credit card manually:
1- go to VirtueMart Admin > Configuration > Security > Security Settings
1. Set up your site SECUREURL with the https url required by your SSL security certificate, either your own site certificate or a shared certificate provided by your webhost.
2. Select "Shop areas which must use https" - usually a minimum of account & checkout
3. Select "Generally prevent https connections?" - this does not seem to work on all servers, but it is no problem if left on.
4. Select "Encryption Function" which would usually be AES_ENCRYPT.
5. Enter/edit "Encryption Key" - this will have been pre-populated for use.
6. Select "Store Credit Card Information?"
Then save configuration.
Go to Store/List Payment Methods
1. On Payment Method List page select New to create a blank Payment Method Form
2. Enter a "Payment Method Name:" - this will appear in the checkout as the payment method.
3. Enter a suitable "Code:" so that you will recognise this payment method in the Payment Method List.
4. Select ps_payment as the "Payment class name".
5. For "Payment method type:" select Credit Card.
6. Select the "Accepted Credit Card Types" - these will be the types of card your card processing service can accept.
Save the page. This now appears in the Payment Method List.
Now make a test purchase and entering a valid test card number. There are test numbers listed on http://www.infomerchant.net/creditcardprocessing/credit_card_test_numbers.html
The last 4 digits of the card number is shown on the order email sent to the store admin, the first part of the number, less those last digits is shown on the order details page in the website backend.
Note that you will need to inform your credit card merchant service or bank that you are accepting on-line payments - check your contract.
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