Knowledgebase

Integrating an Electronic Clearing House (Echo-Inc) Credit Card Payment Gateway is very simple and easy process. The Integration does not involve ANY code writing, all you need to do is fill up a form specifying your Account Details and Payment Collection preferences.
 

Before you Start

I. Signup for a Electronic Clearing House (Echo-Inc) Merchant Account from - http://www.echo-inc.com/echoapp.php

II. Submit your Account Details and Preferences to us:

It consists of the following steps -

 1. Login into your Reseller Control Panel from http://domains.bookandhost.com/reseller

2. Click on the Settings -> Finance & Billing -> Payment Gateway -> List / Add

3. Adding a Echo-Inc PG - Click on the Add Payment Gateway button and then on the Add an Electronic Clearing House Credit Card Gateway link.

4. Enter the following Echo-Inc Details and save your changes by clicking on the Submit button

Gateway Name - This Gateway Name would be shown to your Customers / Sub-Resellers, when they are about to make Payment. You can use something like "Credit Card Payment" or "Visa/Master Card" etc.

Merchant ECHO-ID - This is the ECHO-ID provided to you by Echo-Inc, at the time of creation of your Merchant account.

Merchant PIN - The PIN for your Merchant Account with Echo-Inc.

Currency - Currently we allow Echo-Inc to charge your Customers / Sub-Resellers only in US Dollar (USD).

Currency Exchange Rate - If the Currency you selected in the previous option varies from your Selling Currency, we will have to convert the Invoice Value to the Echo-Inc Currency, BEFORE we send your Customer to Echo-Inc. For this purpose the system needs a exchange rate between the two.

You may choose to maintain this exchange rate yourselves or let us maintain it for you. We download forex rates on a daily basis from a recognized source and update exchange rates for you. If however you wish to update the rates yourselves then you may do so by selecting the "I would like to Maintain the currency exchange rate myself" checkbox AND entering your own conversion rates.

Select the types of CREDIT CARD that your Merchant Account Supports: You need to select the types of Credit Card that are supported by your Echo-Inc Merchant Account. The credit card types available are - Visa, Master, Amex, Discover, Diners Card and JCB. You can also decide the sequence in which you want your Customers / Sub-Resellers to view these Card types.

Payment Gateway Access Level for Customers and Sub-Resellers - Click here to know more about Payment Gateway Transaction types and Access Levels for your Customers and Sub-Resellers >>

Deciding whether a Sub-Reseller and Customer is Credited with the Gross Amount or Net - Your Bank and Echo-Inc deducts a fee on a per transaction basis. There are two types of Transactions that can pass through your Echo-Inc integration - Invoice/Debit Note Payment, and Add Funds. Click here to know more about Payment Gateway Transaction types and Access Levels for your Customers and Sub-Resellers >>

In case of an Add Funds Transaction, you have the option of crediting your Customers/Sub-Resellers with the NET Amount that Echo-Inc credits you with, or choose to credit them with the gross funds and bear the charges yourselves. The NET Amount is calculated by subtracting the per transaction charges from the Transaction Amount. The per transaction charges are calculated by adding the Total Fixed fee charged per transaction and the Total Variable fee charged per transaction.

Total Fixed fee charged per transaction for your merchant account (Per Transaction Fixed Fee charged by your Bank + Per Transaction Fixed Fee charged by the Echo-Inc Credit Card Gateway) - Enter the total fixed fee that is charged per transaction in the given textbox. This information is primarily used to calculate the Net Amount that your merchant account is credited with, if you choose to credit your customer / sub-reseller with the Net Amount in an Add funds Transaction. Your bank and/or your gateway may be charging you a different amount of fixed fee per transaction for different credit card types e.g. a certain fixed fee per transaction for Visa cards and a different fixed fee for American Express cards. In case, the amount of fixed fee is different per credit card type, then enter the highest amount of fixed fees charged per transaction to your account e.g. if the total fixed fee for Visa Cards is 25 cents per transaction and the total fixed fee for American Express cards is 30 cents per transaction, then enter 0.30 in the textbox. If there is no fixed fee charged per transaction then enter 0.

Total Variable fee charged per transaction for your merchant account - Enter the total variable fee that is charged per transaction in the given textbox. This information is primarily used to calculate the Net Amount that your merchant account is credited with, if you choose to credit your customer / sub-reseller with the Net Amount in an Add funds Transaction. Your bank and/or your gateway may be charging you a different amount of variable fee per transaction for different credit card types e.g. a certain variable fee per transaction for Visa cards and a different variable fee for American Express cards. In case, the amount of variable fee is different per credit card type, then enter the highest amount of variable fees charged per transaction to your account e.g. if the total variable fee for Visa Cards is 2.50% per transaction and the total variable fee for American Express cards is 3.00% per transaction, then enter 3.00 in the textbox. If there is no variable fee charged per transaction then enter 0.
 

Send me a Reminder if a transaction is pending for more than x days - In case you have not yet accepted a payment sent to you via the Echo-Inc Payment Gateway, you can get e-mail reminders sent across to you from our system, after every x number of days, until you either Approve or Decline these payments. Click here to know how to Approve / Decline Payment Gateway transactions >>

Display Position - If you plan on adding Multiple Gateways you can select the position in which you wish to display this Gateway on your Payment Page.

Add to Favourites

Print this Article