Non-Merchant Gateways: Option To Offer More Than One Entry In Payment Method List

[Max]

In many European countries using merchant gateways is problematic.

Banks are more strict about PCI compliance, and require you to explain yourself to them if you want to collect card details yourself.

E.g. from the acceptance criteria used by Dutch banks:

 

http://www.paysquare.eu/en/Images/Acceptance_Policy_tcm71-11266.pdf

 

General PaySquare exclusions; the following is in principle excluded, but might be considered after additional assessments and controls:

[...]

• Payment pages that do not use the PCI DSS compliant infrastructure of a certified Payment Service Provider;
• Payment pages that do not support the use of compliant security standards, such as but not limited to MasterCard SecureCode, Verified by Visa or J/Secure by JCB. These standards are also known as 3D Secure;

 

Most companies (even bigger ones) prefer not to go through those "additional assessments" and use a payment page provided by a certified non-merchant gateway instead.

 

Problem is that Blesta currently displays the name of the non-merchant gateway in the "payment options" section on the order page, while it would be nicer if it displayed the payment method like "Credit card" instead.

Also many non-merchant gateways offer more payment options than just credit cards, so it would be nice if a single non-merchant gateway could have more than one entry in the payment options section.

 

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Ideally it would also be nice if it was possible to add extra fields to the payment option section.

E.g. some payment methods require the user to select his bank from a list, and it would be nice if that could be done straight away on the page you select the payment method, instead of on a separate page.

 

What we have in our current system, for reference:

 

[serge]

Not certain if this should really be part of core or not, I have fealing this could be a part of a given payment gateway extension.

 

But for a lot of gateways I know, it's makes a lot of sense if customers can go direct/select a sub-payment channel as you would