Payment Advanced Settings | Boost transaction success

The Advanced Settings feature allows you to create rules for handling credit card transactions in your Shoplazza store. These settings reduce failed payments, boost successful transactions, and enhance customer experience.

Card Advanced Settings includes three modules:

• Managing transaction allocation and Smart Retry: If you have multiple credit card payment providers, this module helps distribute transaction traffic and improve overall success rates.
• Handling account exceptions: Uses specific error codes to detect abnormal transactions (typically due to account restrictions) and automatically executes predefined actions to reduce potential losses.

Managing transaction allocation

The Transaction Allocation feature lets you connect two credit card payment providers at the same time and distribute traffic between them based on a preset ratio. Customers see only one card option at checkout while all routing happens automatically in the background.

Adding allocation rules

Access your admin to configure allocation rules:

1. Set up your allocation rules: From your Shoplazza admin, go to Settings > Payments, then click Add allocation rule under Advanced Settings.

2. Select two card payment channels: Choose your providers and set your preferred allocation ratio (e.g., 50% – 50%).

• The system uses an algorithm to route payments based on your configuration.
• When your store has low order volume, the actual distribution may slightly vary. As order volume grows, the ratio will become more accurate.

3. Enter account credentials: Provide details such as Account ID, Client ID, Public Key, and Secret Key. Contact your payment provider if needed. Click Done to save.

Editing or deleting allocation rules

Manage your allocation setup when changes are needed.

1. Click Edit: Modify the payment channels or the distribution ratio.

2. Remove unnecessary rules: Click the delete icon next to the rule you want to remove.

Monitoring channel performance

Track how each provider performs:

1. Track and analyze performance: Once configured, you can monitor each channel’s success rate over the past 30 days directly on the page.

• Success rate = Number of successful payments ÷ Number of payment attempts.
• All attempts, including multiple retries by a single customer, are included in the calculation.

Improving customer experience

When your customers go through the checkout process, they will see only a single credit card payment option. This routing feature will not affect their checkout experience.

Enabling Smart Retry

The Smart Retry feature automatically detects failed card payments and re-attempts them using a different connected provider. This process requires no action from the customer.

Supported Payment Providers:

• Shoplazza Payments
• Authorize.net
• Oceanpayment
• Airwallex
• Payoneer
• Worldpay
• Photon
• Asiabill
• Pacypay
• Useepay
• Stripe
• Any third-party credit card app

Activating Smart Retry

Access your admin to activate Smart Retry:

1. Access your Shoplazza admin and enable Smart Retry: Go to Settings > Payments, open Advanced Settings, and click the Smart Retry toggle.

2. Confirm activation: Click Confirm in the pop-up to continue.

3. Select your retry provider: Choose from your connected providers and click Next.

4. Enter provider credentials: Fill in required details and click Done to activate.

5. Verify activation: Ensure at least one supported provider is properly configured.

Editing Smart Retry channels

1. Update your Smart Retry configuration: Click Smart Retry to open its settings, then click Edit channels to manage your retry list.

Applying recommended use cases

Maximize the effectiveness of Transaction Allocation and Smart Retry by taking the following actions:

• Set up balanced routing: Assign 50% of transactions to each active provider to ensure stability and monitor channel performance over time.
• Test new providers safely: Start by routing 10% of payment traffic to a new provider before increasing volume.
• Optimize fallback strategies: If one channel performs better, configure the second as a Smart Retry fallback to recover failed payments automatically.
• Enable dual recovery: If both providers support Smart Retry, activate it on both to allow mutual retries and capture more successful payments.

Account restriction handling

Use predefined rules to detect payment issues triggered by provider-side restrictions or failures.

Setting up exception handling

Quickly detect and act on payment account issues:

1. Access your Shoplazza admin to configure restriction handling: Go to Settings > Payments > Advanced Settings, then scroll to Account Restriction Handling.

2. Choose the provider to monitor: Select which payment provider to configure.

3. Select error codes to track: Choose the specific codes that should trigger alerts and fallback actions.

Configuring automated responses

Set automated responses for payment issues:

• Enable notification alerts to stay informed:
  • Store owners are automatically notified by email when issues are detected.
  • Email alerts are enabled by default but can be turned off in your settings.
• Set fallback behavior for credit cards:
  • Use Transaction Allocation or Smart Retry to automatically reprocess failed transactions.
  • Routing to fallback channels is mandatory and cannot be disabled.
  • If PayPal is active, use its Basic Credit and Debit Card option as a fallback.
  • Disabling the credit card method is not recommended unless no fallback is available.
• Define actions for other payment types: For non-card methods (like PayPal), disable only if you have multiple active payment options to maintain checkout availability.

Reviewing supported providers and error codes

Review error codes that trigger automated responses:

Advanced Settings help you route payments intelligently, recover from failures, and proactively manage provider issues. Fine-tuning your configuration ensures smoother checkouts and higher payment success rates for your store.