Why do I need a Payment Gateway?
A payment gateway links your website to your Internet Merchant Facility at your bank. A payment gateway provides a secure method of processing credit card payments made on your website into your bank account.
What is an Internet Merchant Facility?
An Internet Merchant Facility is a specific type of bank account from online businesses. This type of account allows you to accept online payments through your website. It is the only type of account eWAY will deposit funds processed from your website into.
I have an EFTPOS merchant account can I use this?
No. An EFTPOS merchant account is specific to face to face transactions where the card is present. An Internet Merchant Facility is specifically for internet businesses processing payments online where the card is not present. An Internet Merchant Facility is the only type of account you can have to process online payments into.
What credit cards can I accept?
With eWAY you can accept all major credit cards, Visa, Mastercard, American Express, Diners and JCB credit cards.
Can I accept payments from overseas?
Yes. If your customer is using a Visa or Mastercard you can accept their payment from anywhere in the world. If you have a standard Australian Dollar Internet Merchant Facility you customer will be charged in Australian Dollars only. The currency conversion will be charged to the customer by Visa or Mastercard.
Can I charge in other currencies?
Yes. To trade and accept payments in different currencies you will need to have a Multi Currency Internet Merchant Facility. The only bank in Australia to provide this type of account is NAB.
Business Centre FAQ's
How do I process a refund?
Simply login to your eWAY Business Centre account, select the Reporting tab and click the transaction report. Search for the transaction you wish to refund by date, transaction number, amount, customer name, customer email or even card holders name
Can I refund less than the original amount?
Yes. When you have selected the transaction you wish to refund you will be able to enter exactly the amount you wish to refund. However it cannot exceed the amount of the original transaction.
How do I refund a customer whose credit card has expired?
You will need to get the new expiry date from the customer. You will be able to enter the new expiry date when you select to refund the transaction.
Can I process mail, fax or phone payments?
Yes. Simply login to your eWAY Business Centre account, select the Payments tab and click the manual transactions icon. Easily enter the customer's credit card details and amount to be billed.
How do I reduce the risk of fraudulent transactions on my website?
eWAY provides a fraud minimisation tool called Beagle FREE to every account. With Beagle you can set rules specific to your business. You can block all international transactions, or just block transactions from high risk countries such as Russia, Ukraine, Nigeria, etc. A full list of the Beagle rules that you can set can be found in the Beagle products section.
Can I have multiple logins for my eWAY account?
Yes. eWAY provides a multiple user feature, where you can set up as many users as you require. You can maintain the security of your account by setting access limits on each additional user. This feature is currently only available with the VIP, Premium and Corporate plans.
Testing FAQ's
I am testing our shopping cart and am receiving the error "Invalid Amount"?
This means that you are passing the amount incorrectly to the gateway. Your web developer needs to set up your cart to pass cents ONLY. (eg. $5.00 = 500)
I am getting an error message processing a particular transaction, what does it mean?
During testing an error message will be dependent on the CENT value you are passing. You need to pass an amount that ends in zero cent to receive a successful test transaction. (eg. $10.00 = 1000 will give a successful result. $10.50 would give an error 50 Do Not Honour result) A full list of response codes can be found in the response codes section.
I have processed a transaction through my shopping cart but it is not in my eWAY report?
This means that either your shopping cart is NOT passing the transaction to the eWAY live gateway or you are passing an incorrect eWAY customer ID, please contact your web developer about this. Make sure you are pointing to the live eWAY gateway.
I put in a test card number like 4444333322221111 it comes up with error "92 Unable to Route Transaction"?
This is the correct error to receive as that card number is a test card number and therefore not associated with any bank. However it does conform to the LUNH check that verifies it as a valid card number.