Payment Providers: Opayo

Admin permissions to manage Payment Providers.
An Opayo account.

About Opayo

Opayo

Opayo is a popular payment processor in the UK and Ireland. It enables you to offer your Customers the ability to pay in part or in full at the time of booking and fully integrates into the Checkfront backend application.

Checkfront currently integrates with Opayo by way of their direct payment method, providing a seamless checkout experience for your Customers.

PSD2 and SCA compliant

This integration is Payment Services Directive 2 (PSD2) compliant including Strong Customer Authentication (SCA) via 3D Secure V2.

Checkfront is prepared to handle any transactions that the Payment Provider deems applicable.

For more information, please go to Opayo Support.

These measures help reduce fraud and make online payments more secure!

Learn more about PSD2 and SCA here...

What is PSD2 and How Will It Impact Your Business?

Supported Features

The following is a list of standard Payment Provider features. Those available with the Opayo and Checkfront integration are marked as supported (✓).

Feature	Supported	More Info
Live Payments	✓	The ability to process payments in real-time.
Rebilling	X	The ability to re-charge using previously provided payment information (tokens).
Refunds	✓	The ability to return a paid amount directly to the original payment method.
Integrated Checkout	✓	Customers remain on the Checkfront domain to input details. These details are sent to the provider to process the transaction without redirecting the Customer.
Redirect Checkout	X	Customers are redirected to the payment provider’s domain to input details and process the transaction.
Staff-side Payments	✓	The ability for Staff to take payment through the Booking Details page using new payment information.
Staff-side CVC	✓	Require Care Verification Codes (CVC) for Staff-side payments. The name, acronym, and location of these security codes on the card varies depending on the credit card type (Visa, MasterCard...) This feature is optional. Opayo does not require CVC for Staff-side Payments
Virtual Terminal	X	Virtual Terminal allows you to use Checkfront to accept in-person payments with supported hardware. Virtual Terminal cannot connect to triple-track magstripe readers.
Magstripe Reader	✓	A magstripe reader is a hardware device that reads the information encoded in the magnetic stripe located on the back of a card.
Hold Payments	✓	The provider holds the payment for a certain amount of time without charging the card. Opayo can hold payments for 30 days.
Test Mode	✓	The ability to process test payments using your Checkfront account and Opayo prior to going live.
Multiple Currencies	X	The ability to offer payments in more than one currency. Checkfront does not support accounts with more than one currency. While Opayo can handle multiple currencies on their end, we can only send invoices to them in one currency.
3DSecure / PSD2 Compliant	✓	Payment Services Directive 2 (PSD2) compliant including Strong Customer Authentication (SCA). Our integration is PSD2 compliant and has 3DSecure security. Learn more about PSD2 here!
Can be a secondary Provider?	X	The ability to configure a primary provider for online payments and a secondary provider for Staff-side payments through the Booking Details page. Opayo can only be a primary provider.
Capture and Send Zip / Postal Code and Address for Address Verification (AVS)	✓	Capture Zip / Postal Code and Address to send to Opayo for Address Verification (AVS) to help prevent disputes and fraud.

Setup in Checkfront

To enable the Opayo extension, log into your Checkfront account, and navigate to the Payment tab (Manage > E-commerce Setup). Displayed is a list of available payment providers.

Opayo Tile

If Opayo is available within your country, then you can find it listed under the Available to [your country] category within the Categories menu. You can also browse the list of All providers, or search for the provider by name.

Opayo Setup

From there you can click on the Opayo tile to open the Add-on Setup modal. Finally, fill out the fields provided and click Activate to complete the integration.

Vendor Name

Specify your Vendor Name as provided by Opayo.

Mode

Configure the mode for the integration, using either the Live, Test, and Simulator environments.

• Live: If set to Live, then your Customers are performing real transactions and funds are exchanged.

• Test: If you've selected Test, then there is no exchange of funds. These transactions are for testing purposes only, to make sure everything works before going live.

• Simulator: This option enables you to perform a test of the system as a Developer if you don't yet have an account with Opayo.

Payment Type

Determine the type of transaction that is processed during checkout.

• Authorize and Capture: Transactions are authorized by the bank and the funds charged immediately by the system.

• Authorize Only: This transaction type allows you to register the shopper’s details with Opayo and store the transaction for 90 days before taking the funds.

Unlike the deferred transaction type, an (Authenticate and) Authorize only simply registers the transaction with Opayo and does not contact the bank for authorization.

Once you are ready to take the funds from your shopper you can then perform an authorize. An authorize submits the transaction on your account to the bank to obtain authorization.

• Deferred Capture: A deferred transaction that once captured is available on your account for 30 days before the funds can be taken and credited to your account.

The deferred transaction when captured is sent to the bank for authorization and then allows you to take the funds within the 30 days.

In order to receive the funds for a deferred transaction, you must release this either remotely or through your MySagePay admin area.

Require Credit Card Verification

Uses the address and postcode details that are provided by your Customer in the booking form to verify the address is registered to the card being used. The checks are not carried out by Opayo but by the bank during the authorization process.

Learn more about Address Verification (AVS) rules in Opayo here:

Activating and Adding AVS/CV2 Rules

Requiring Customer First and Last Name

Both a Customer's first and last name are required by Opayo.

In the Booking Form, the system default field ID of customer_name can be used as long as your Customer enters both their first and last name into the single field.

Alternatively, you may use the separate system name field IDs of customer_first_name and customer_last_name to ensure that your Customer enters their full name in the provided fields.

You can learn more about the Booking Form here:

Booking Form & Field Editor: Introduction

Adding Checkfront IP Address to Opayo

Sagepay Server Name

You now need to add the Checkfront IP address to your account at Opayo.

To find the specific IP address of the Server on which your Checkfront account is located, log in to your Checkfront account and navigate to the System area (Manage > System).

Look for the Network Location label and you find the Server or Node Name.

Once you have found the Server or Node Name, you find the corresponding IP address from our Checkfront Server IP Addresses page to use in Opayo (see below).

Sage Pay Add IP

Once you have the IP address, head over to Opayo and click on Valid IPs from the Settings menu.

Click the green Add button to enter the IP address. The subnet mask should be entered as 255.255.255.000. For the description, add something simple like 'Checkfront'.

Setting Up 3D Secure in Opayo

Checkfront fully supports 3D Secure V2 in Opayo, which helps to reduce fraud and make online payments more secure.

Enabling 3D Secure V2 is required in Opayo. Learn more about activating this function and adding a 3D Secure rule here:

Test Mode

It’s highly recommended that you do an end-to-end test of your checkout before putting your site live.

To do so, follow the setup instructions above and choose Test as your mode. Create a transaction as a Customer would and check to see that it shows up in your Checkfront account as paid, and within Opayo, too.

If you don’t have a website to test on yet, then use the hosted booking page (eg: https://yourcompany.checkfront.com/reserve/) to test.

If you don’t yet have an Opayo account, then you can sign-up for a developer account and use the simulator environment.

Test Credit Card Numbers

You can use the following test credit card numbers when testing your Opayo checkout:

Visa: 4929000000006

Mastercard: 5404000000000001

Maestro: 5641820000000005

You can use any CVC code and an expiry date in the future. * Always remember to take your account out of test mode when you are finished.

Learn more about enabling payment processing settings and any appropriate taxes in our following guides:

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