# PayGate

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This article will walk you through adding your PayGate gateway.

* [Step 1 - Activate Paygate](#paygate-step1-activatepaygate)
* [Step 2 - Add PayGate credentials](#paygate-step2-addpaygatecredentials)
* [Step 3 - Complete the rest of the gateway profile](#paygate-step3-completetherestofthegatewayprofile)
* [3D Secure Processing](#paygate-3dsecureprocessing)
* [Decline References](#paygate-declinereferences)

***

{% hint style="info" %}
Note: if using Paygate for 3DS transactions, you will need a 3DS enabled account AND a MOTO account.
{% endhint %}

### Step 1 - Activate Paygate <a href="#paygate-step1-activatepaygate" id="paygate-step1-activatepaygate"></a>

* Go to **Gateways > Gateway Integrations** and click on the **PayGate** tile.
* *Click* on **Activate**.

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### Step 2 - Add PayGate credentials <a href="#paygate-step2-addpaygatecredentials" id="paygate-step2-addpaygatecredentials"></a>

Now the **Create New Gateway** page will appear. Double-check that *PayGate* is selected in the gateway field and fill in the rest of the info on the gateway profile.

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If only **standard** transactions are needed:

* **PayGateId** and **Password** are provided by PayGate as PayGate Id and Encryption Key
* **MOTOPayGateId**: leave blank
* **MOTOPassword**: leave blank
* **autoSettleOn**
  * leave unchecked for authorizations and captures
  * check for automatic auth settlements
* **Secure3DS**: leave unchecked

***

If **3DS** transactions are needed:

* **PayGateId** and **Password** are your **3DS** account credentials
  * **PayGateId** and **Password** are provided by PayGate as PayGate Id and Encryption Key
* **MOTOPayGateId** and **MOTOPassword** are your **MOTO** account credentials
* **Secure3DS** should be checked.
* **autoSettleOn** is automatic for 3DS-related transactions.

***

For both **3DS** and **Standard** transactions:

* Set up two copies of the gateway as above, with the following change.
  * For the standard gateway use your **MOTOPayGateId** and **MOTOPassword** as your **PayGateId** and **Password**
    * **MOTOPayGateId** and **MOTOPassword** should remain blank.

### &#x20;Step 3 - Complete the rest of the gateway profile <a href="#paygate-step3-completetherestofthegatewayprofile" id="paygate-step3-completetherestofthegatewayprofile"></a>

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**Customer Service**

* **Phone #:** The customer service phone number that customers should call related to this gateway.
* **Chargeback #:** The customer service phone number for chargebacks on the gateway.
* **Email #:** The customer service email that customers should use.
* **URL:** A support web page related to the gateway.

**Limits**

* **Monthly Cap:** This is the total volume per month that is allowed to process on the gateway. The CRM can calculate your cap usage two different ways:
  * The first calculation includes only gross billings against the gateway and ignores refunds (this is default).
  * The second calculation shows net billings and includes refunds to give the net billings for the month. You can enable the second option by enabling the **Include Refunds** checkbox.
* **Discount Rate:** The discount rate associated with the processor. This a percentage of volume taken by the bank on every sale.
* **Transaction Fee:** This is a flat rate that is charged by the gateway for each transaction.
* **Reserve Rate:** This is a percentage on billings that the bank keeps in a rolling reserve.
* **Chargeback Ratio:** This is the threshold for Chargeback rates.

**Trial Limits**

* **Validate Card Amount:** This is used for the Validate Card authorization type. This value determines the authorization amount ran to the gateway if the offer is using Validate Card. This can be used to authorize a card for up to $15.

**Additional Options**

* **Enabled:** Whether or not to allow any sales on the gateway. When this box is deselected, no sales are allowed to process against the gateway.
* **Block Pre-Paid:** Whether or not to allow prepaid cards to process against the gateway. If checked, prepaid cards will be blocked.
* **Block Debit Cards:** Whether or not to allow debit cards to process against the gateway. If checked, debit cards will be blocked.

**Accepted Payments**

* **Echeck:** Check this if your gateway allows eCheck transactions.
* **Mastercard:** Check this if your gateway allows Master Cards.
* **Visa:** Check this if your gateway allows Visa Cards.
* **AmEx:** Check this if your gateway allowed American Express Cards.
* **Discover:** Check this if your gateway allowed Discover.

**Merchant Details**

* **Descriptor: (Required)** The descriptor that the customers will see on their bank statements. Can be used as a token on some autoresponders.
* **Mid#: (Required)** This is the mid number for the gateway. This can be found on the VAR sheet or by contacting your merchant provider.
* **Processor:** This is the processor that the particular mid on the gateway is using.

Now Click on <mark style="color:green;">**Create Gateway**</mark> to save your settings.

***Please review all information for accuracy before creating the new gateway.***

***

### 3D Secure Processing <a href="#paygate-3dsecureprocessing" id="paygate-3dsecureprocessing"></a>

Follow these instructions for 3DS processing on the checkout page.

[Basic 3DS Instructions](https://help.konnektive.com/konnektive-crm/gateway-setup/basic-3ds-instructions)

***

### Decline References <a href="#paygate-declinereferences" id="paygate-declinereferences"></a>

[PayGate Result Codes](https://docs.paygate.co.za/?php#result-codes)