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Gateway Capability Reference

ChargeOn connects 20 payment gateways. Every gateway except GoCardless takes card payments, and all 20 support instant payments, scheduled payments, installment plans and subscriptions.

Use these tables to choose gateways that match your payment types, billing tasks and reporting needs before you connect them.

How to read these tables: choose a gateway marked Yes for the capability you need. Cells with additional text explain the setup or payment type to use.

Some capabilities are marked "With extra setup". That means the gateway can do it, but the gateway record has to be configured a particular way first. That configuration is not something you change from the guide: talk to whoever implemented ChargeOn for you, because it affects how card details are handled and it may affect your PCI obligations.

Payment Types

Gateway Card Bank SEPA
Adyen Yes Yes Yes
Authorize.Net Yes Yes No
Braintree Yes Yes No
Checkout.com Yes Yes Yes
CyberSource Yes Yes No
Elavon Yes Yes (ACH) No
FatZebra Yes Yes No
Forte Yes Yes (ACH) No
Global Payment Yes No No
GoCardless No Yes, by mandate Handled within the same mandate
Linked2Pay Yes Yes No
NMI Yes Yes No
PayPal Yes No No
PayTrace Yes Yes (ACH) No
RazorPay Yes No No
Shift4 Yes No No
Sola Yes Yes No
Stax Yes Yes No
Stripe Yes Yes Yes
USAePay Yes Yes (ACH) No

Bank covers direct bank debits: ACH and e-cheque in the United States, and BECS in Australia. On an Australian-dollar payment the screen says "BECS" rather than "Bank" (see terminology). SEPA has a column of its own because only four gateways handle it, and one of those handles it differently from the rest.

GoCardless is the one gateway whose bank support works by mandate rather than by debiting an account afresh each time. The customer authorises a mandate once, and ChargeOn then charges against that mandate for every payment afterwards, including installments and subscriptions. The mandate itself is GoCardless’s stored payment method.

Operations

Gateway Authorise then capture Void Refund Partial capture Saved payment methods Installments and subscriptions
Adyen With extra setup With extra setup Yes Yes Yes Yes
Authorize.Net Yes Yes Yes Yes Yes Yes
Braintree Yes Yes Yes Yes Yes Yes
Checkout.com Yes Yes Yes Yes Yes Yes
CyberSource Yes Yes Yes Yes Yes Yes
Elavon Yes Yes Yes No Yes Yes
FatZebra Yes Yes Card only Yes Yes Yes
Forte Yes Yes Yes Yes Yes Yes
Global Payment Yes Yes Yes Yes Yes Yes
GoCardless No No Yes No The mandate is the stored payment method Yes
Linked2Pay Yes Yes Yes No Yes Yes
NMI Yes Yes Yes No Yes Yes
PayPal With extra setup With extra setup Yes Yes Yes Yes
PayTrace Yes Yes Yes Yes Yes Yes
RazorPay No No Yes No No Yes, through its own checkout flow
Shift4 Yes Yes Yes Yes Yes Yes
Sola Yes Yes, including a bank payment before it settles Yes Yes Yes Yes
Stax Yes Yes, including a bank payment before it settles Yes Yes Yes Yes
Stripe With extra setup With extra setup Yes Yes Yes Yes
USAePay Yes Yes Yes Yes Yes Yes

Use the Refund column to choose a gateway for card or bank refunds. FatZebra provides full and partial refunds for card payments.

Partial capture takes less than the amount originally authorised on a card. Choose a gateway marked Yes in that column for this task. On Elavon, Linked2Pay and NMI, capture the full authorised amount or void the hold.

Payment Links work on all 20 gateways. The address the customer receives varies: most gateways issue a link to a page ChargeOn hosts on your own Salesforce Site, while a few send the customer to the gateway's own checkout page instead.

Reconciliation and Level 2 Data

Reconciliation compares what ChargeOn recorded against what the gateway actually processed (see terminology). Fourteen of the twenty gateways are wired into it.

Level 2 commercial card data is extra detail, such as tax amount and purchase order number, sent with a business card transaction to reduce processing costs. Twelve of the twenty transmit it.

Gateway Reconciliation Level 2 commercial card data
Adyen No Yes
Authorize.Net Yes Yes
Braintree Yes Yes
Checkout.com No Yes
CyberSource Yes No
Elavon No No
FatZebra Yes Yes
Forte Yes Yes
Global Payment No No
GoCardless Yes No
Linked2Pay No No
NMI Yes Yes
PayPal Yes No
PayTrace No Yes
RazorPay Yes No
Shift4 Yes No
Sola Yes Yes
Stax Yes Yes
Stripe Yes Yes, in two levels of detail. See the note below
USAePay Yes Yes

How much Level 2 data Stripe sends depends on your setup

In its standard configuration Stripe sends a purchase order, an invoice number and a customer code as reference information. The full Level 2 set, which adds the tax amount, the order reference, the customer reference and the shipping postcode, needs the Stripe gateway record configured differently.

If Level 2 interchange savings on Stripe matter to your business, raise it with whoever implemented ChargeOn before you go live, because the change is easier to make then than afterwards.

Gateway Fallback

Gateway fallback automatically retries a declined card payment on a backup gateway, so one gateway's problem does not cost you the sale (see terminology).

Set up fallback for card payments using eligible primary and backup gateways from the table below. Ask your implementation team to confirm each gateway record’s configuration.

Gateway Can act as a backup
Adyen With extra setup
Authorize.Net Yes, in its standard configuration
Braintree Yes, in its standard configuration
Checkout.com Yes, in its standard configuration
CyberSource Yes, in its standard configuration
Elavon Yes, in its standard configuration
FatZebra Yes, in its standard configuration
Forte Yes, in its standard configuration
Global Payment Yes, in its standard configuration
GoCardless No
Linked2Pay Yes, in its standard configuration
NMI Yes, in its standard configuration
PayPal With extra setup
PayTrace Yes, in its standard configuration
RazorPay No
Shift4 Yes, in its standard configuration
Sola Yes, in its standard configuration
Stax Yes, in its standard configuration
Stripe With extra setup
USAePay Yes, in its standard configuration

A gateway marked Yes, in its standard configuration can act as a backup with its standard setup. Confirm the configuration of each gateway record with your implementation team. With extra setup applies to a gateway used as either the primary or a backup. See route payments and set up fallback.

How ChargeOn Learns a Payment's Outcome

ChargeOn receives status updates from GoCardless and RazorPay by webhook. For the 17 gateways listed below as scheduled checks, the transaction status job keeps outcomes up to date. Review Linked2Pay outcomes in your Linked2Pay dashboard.

Gateway How to review the outcome
GoCardless, RazorPay Webhook updates in ChargeOn
Linked2Pay Linked2Pay dashboard
Adyen, Authorize.Net, Braintree, Checkout.com, CyberSource, Elavon, FatZebra, Forte, Global Payment, NMI, PayPal, PayTrace, Shift4, Sola, Stax, Stripe, USAePay Scheduled checks update ChargeOn

Gateways That Behave Differently

Most of the twenty behave the way the tables above suggest. A handful are worth reading about before you choose one, so nothing surprises you later.

NMI

Confirm NMI’s connection by taking a test payment with test credentials, then check the result in Transaction History and the NMI dashboard. Scheduled status checks query NMI for each transaction.

Linked2pay

Confirm Linked2Pay’s connection with a test payment using test credentials. Review its outcome in the Linked2Pay dashboard. You can charge, refund, void and capture Linked2Pay payments.

Gocardless

GoCardless takes bank payments using a mandate the customer authorises once. That mandate is the stored payment method for future charges, and webhook updates keep payment outcomes current.

Razorpay

RazorPay takes card payments immediately and supports refunds. Use its checkout flow for installments and subscriptions. Webhooks update ChargeOn with payment outcomes.

Adyen, PayPal and Stripe

Customers complete payment on these gateways’ checkout pages, and ChargeOn records the outcome. To use capture, void or gateway fallback, ask your implementation team to complete the additional setup on the gateway record.

Sola and Stax

Sola and Stax can void a bank payment before it settles, as well as a card authorisation.

Fatzebra

Use FatZebra for card and bank payments and saved payment methods. Card payments support full and partial refunds.