Which payment provider to choose

A client pays online through a payment provider: the company that takes the money and sends it to your bank. All of them are listed in Accounting/Configuration/Online Payments/Payment Providers, and they fall into three kinds.

• Built for the Gulf, in this app: Moyasar for cards in Saudi Arabia, and Tamara for paying in instalments. See Set up Moyasar and Set up Tamara.
• Bank transfer (the Wire Transfer card): no provider at all. The client reads your bank account and pays from their own bank. See Set up bank transfer.
• The providers that come with the platform: about twenty companies, each covering its own countries, installed with one click from the same list. See Add another payment provider.

Each provider is a separate company: opening the account, its fees and its terms are an agreement between you and that provider.

How to choose

Three questions narrow the list quickly.

1. Where is your company? A provider opens accounts only in the countries it serves, so start from the providers that cover yours.
2. What currency are your invoices in? The payment page offers a provider only when it accepts the invoice's currency. Some providers accept a fixed list of currencies; for the others the platform sets no limit, and your account with the provider decides.
3. How do your clients like to pay? By card, by bank transfer, in instalments, or with a local payment method. Several providers can be published at once, and the client picks one on the payment page.

The providers

The countries are those each provider names for itself. The last column says whether the platform lets the provider take the Saudi riyal.

The list also holds two cards that are not providers for your clients: Demo, which runs fake payments to try the payment page, and SEPA Direct Debit, which cannot be installed on the platform (its Upgrade button leads outside it).

What every provider shares

Whatever the provider, the card works the same way, and How an online payment reaches the books applies to all of them:

• a State: Disabled, Test Mode (unpublished, for the firm's own users) or Enabled (published to every client);
• the Payment Methods it offers, and its Availability by amount, currency and country;
• the Payment Journal that records its payments, and the Messages the client reads at each stage.

Bank transfer is the exception: its card has no keys, no payment methods and no payment journal, only the pending message; nothing is taken online, and the invoice is paid only when you record the money that reached your bank.