Enable a supported payment gateway
Downpay supports partial payment functionality for these payment gateways:
Shopify Payments
Stripe
Authorize.net
Paypal Express
Ayden (Shopify Plus only)
Bogus Gateway (testing mode)
One of these gateways must be enabled in order to see Downpay purchase options on your storefront.
Payment methods such as Apple Pay, Google Pay and more, will only be available for customers choosing the "Pay in full" purchase option for the product.
Shopify Payments
Stripe
Authorize.net
Paypal Express
Approval
What is a reference transaction
What if you have been denied
Ayden (Shopify Plus Only)
Payouts and charges explained
Testing and other settings
To enable Shopify Payments, review Shopify's documentation.
Local payment methods are not supported at this time.
Shopify Payments is only supported in certain countries.
Shopify merchants using Stripe as their main payment gateway are supported for partial payment.
Shopify merchants using Authorize.net as their main payment gateway are supported for partial payment.
PayPal Express is a great alternative for countries who do not have Shopify Payments.
To enable Paypal Express, review Shopify's documentation.
Shopify will automatically send Paypal a request for approval of Reference Transactions once enabled if Downpay is installed. This is displayed in your Shopify Paypal management screen as Automatic Payments with the status of Pending Approval. PayPal requires this application since reference transactions carry higher risk.
Reference Transactions allow you to recharge a customer’s credit card after an initial transaction has been completed. You will not need to input your customer’s credit card information to process a later transaction.
Create a new email with the subject line reading Approval for use of Reference Transactions with Shopify and make it out to payflow-support@paypal.com.
Hi there, I need approval for Reference Transactions on Shopify in order to use an app that enables deposits and recharging a customer's credit card. My status on my Paypal Express Integration says "Denied". I have provided details below in order to help appeal this denial.
Business information:
- Business name
- Business URL
- Current/anticipated monthly sales via PayPal only (based on the last # months)
- Number of repeat customers (past # months)
Integration information:
- Please describe what you intend to use Reference Transaction for.
- Do you or your buyers need to initiate each subsequent payment themselves or are they processed automatically after the billing agreement is created?
- Will this service be enabled within your website, mobile app integration, or both?
- Are you integrating through another payment service provider, such as Worldpay or Ingenico?
- Do you require the Reference Transactions product for use with your Shopping Cart to offer Subscriptions? (For example Woo-Commerce, Charge-Bee.)
Shopify Plus merchants using Ayden as their main payment gateway is supported for partial payment.
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Payouts on Shopify are based on a schedule set out by the merchant. For more information, review Scheduling your Shopify Payments payouts.
Downpay orders will be paid out by Shopify based on transactions and your payout schedule. For example, if a customer chooses to pay with a $500 deposit, that transaction will be paid out on your schedule and the balance will only be paid out after it is collected.
If you notice holds on your payouts, please contact Shopify to ask for more details. All Downpay payouts are fully managed by Shopify.
Similar to payouts, Shopify transaction and processing fees are based on transactions. For example, if a deposit amount at checkout was $500, Shopify will pay you out $500 less their transaction and processing fees on that amount.
Downpay's processing fee is calculated on the order value of Downpay-managed orders. This means that regardless of the split between the deposit and remaining balance, a total fee is calculated on the total amount.
For example, if a customer buys a $1000 couch with a Downpay deposit, Downpay's fee will be at most 0.3% * $1000 = $3.00. Downpay total charges can easily be calculated using the pricing calculator.
Downpay's fees are always calculated in USD. If you are processing transactions in other currencies, Downpay converts these currencies at time of order creation to USD. Quotes for custom plans are also presented in USD.
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You may use the Bogus Gateway for testing or the test mode in many of the other payment gateways.
For Stripe and Shopify Payments testing, refer to this list of credit cards to simulate various testing scenarios.
Downpay works with any Shopify payment capture method found in your Payments settings page.
In this example, the order has a total cost of $110: a $10 deposit and a $100 remaining balance.
Automatically at checkout - Shopify will authorize and capture the $10 that is due today. The order will be marked partially paid and a card will be on file which you can use when you collect the balance. This is the most common setup.
Automatically when the order is fulfilled - Shopify will authorize the $10 that is due today and only capture that $10 when the order has been fulfilled. Since most customers using Downpay use it because orders are not fulfillable soon, this option may not be valuable. Authorizations expire after 7 days on most Shopify plans and 10-30 days on Shopify Plus. A card will be stored on file, but you will only be able to charge the whole remaining balance one time. If you have access to the Downpay partial payment beta, you can make multiple captures, defining the amount to capture each time.
Manually - Shopify will authorize the $10 that is due today and only capture the $10 when you click the Capture payment button found on the order details page. Once this capture button is clicked, the Collect payment button will be visible, which includes the card on file for collecting the remaining balance.
Jump to top
Shopify Payments
Stripe
Authorize.net
Paypal Express
Ayden (Shopify Plus only)
Bogus Gateway (testing mode)
One of these gateways must be enabled in order to see Downpay purchase options on your storefront.
Payment methods such as Apple Pay, Google Pay and more, will only be available for customers choosing the "Pay in full" purchase option for the product.
On this page:
Shopify Payments
Stripe
Authorize.net
Paypal Express
Approval
What is a reference transaction
What if you have been denied
Ayden (Shopify Plus Only)
Payouts and charges explained
Testing and other settings
Shopify Payments
To enable Shopify Payments, review Shopify's documentation.
Local payment methods are not supported at this time.
Shopify Payments is only supported in certain countries.
Stripe
Shopify merchants using Stripe as their main payment gateway are supported for partial payment.
Authorize net
Shopify merchants using Authorize.net as their main payment gateway are supported for partial payment.
Paypal Express
PayPal Express is a great alternative for countries who do not have Shopify Payments.
To enable Paypal Express, review Shopify's documentation.
Approval
Shopify will automatically send Paypal a request for approval of Reference Transactions once enabled if Downpay is installed. This is displayed in your Shopify Paypal management screen as Automatic Payments with the status of Pending Approval. PayPal requires this application since reference transactions carry higher risk.
What is a reference transaction?
Reference Transactions allow you to recharge a customer’s credit card after an initial transaction has been completed. You will not need to input your customer’s credit card information to process a later transaction.
What if you have been denied?
Create a new email with the subject line reading Approval for use of Reference Transactions with Shopify and make it out to payflow-support@paypal.com.
Information to include in the appeal email
Hi there, I need approval for Reference Transactions on Shopify in order to use an app that enables deposits and recharging a customer's credit card. My status on my Paypal Express Integration says "Denied". I have provided details below in order to help appeal this denial.
Business information:
- Business name
- Business URL
- Current/anticipated monthly sales via PayPal only (based on the last # months)
- Number of repeat customers (past # months)
Integration information:
- Please describe what you intend to use Reference Transaction for.
- Do you or your buyers need to initiate each subsequent payment themselves or are they processed automatically after the billing agreement is created?
- Will this service be enabled within your website, mobile app integration, or both?
- Are you integrating through another payment service provider, such as Worldpay or Ingenico?
- Do you require the Reference Transactions product for use with your Shopping Cart to offer Subscriptions? (For example Woo-Commerce, Charge-Bee.)
Ayden
Shopify Plus merchants using Ayden as their main payment gateway is supported for partial payment.
Jump to top
Payouts and charges explained
Payouts
Payouts on Shopify are based on a schedule set out by the merchant. For more information, review Scheduling your Shopify Payments payouts.
Downpay orders will be paid out by Shopify based on transactions and your payout schedule. For example, if a customer chooses to pay with a $500 deposit, that transaction will be paid out on your schedule and the balance will only be paid out after it is collected.
If you notice holds on your payouts, please contact Shopify to ask for more details. All Downpay payouts are fully managed by Shopify.
Charges
Shopify fees
Similar to payouts, Shopify transaction and processing fees are based on transactions. For example, if a deposit amount at checkout was $500, Shopify will pay you out $500 less their transaction and processing fees on that amount.
Downpay fees
Downpay's processing fee is calculated on the order value of Downpay-managed orders. This means that regardless of the split between the deposit and remaining balance, a total fee is calculated on the total amount.
For example, if a customer buys a $1000 couch with a Downpay deposit, Downpay's fee will be at most 0.3% * $1000 = $3.00. Downpay total charges can easily be calculated using the pricing calculator.
Downpay's fees are always calculated in USD. If you are processing transactions in other currencies, Downpay converts these currencies at time of order creation to USD. Quotes for custom plans are also presented in USD.
Jump to top
Testing and other settings
Testing
You may use the Bogus Gateway for testing or the test mode in many of the other payment gateways.
For Stripe and Shopify Payments testing, refer to this list of credit cards to simulate various testing scenarios.
Payment capture method
Downpay works with any Shopify payment capture method found in your Payments settings page.
How each method works with Downpay
In this example, the order has a total cost of $110: a $10 deposit and a $100 remaining balance.
Automatically at checkout - Shopify will authorize and capture the $10 that is due today. The order will be marked partially paid and a card will be on file which you can use when you collect the balance. This is the most common setup.
Automatically when the order is fulfilled - Shopify will authorize the $10 that is due today and only capture that $10 when the order has been fulfilled. Since most customers using Downpay use it because orders are not fulfillable soon, this option may not be valuable. Authorizations expire after 7 days on most Shopify plans and 10-30 days on Shopify Plus. A card will be stored on file, but you will only be able to charge the whole remaining balance one time. If you have access to the Downpay partial payment beta, you can make multiple captures, defining the amount to capture each time.
Manually - Shopify will authorize the $10 that is due today and only capture the $10 when you click the Capture payment button found on the order details page. Once this capture button is clicked, the Collect payment button will be visible, which includes the card on file for collecting the remaining balance.
Jump to top
Updated on: 14/11/2024
Thank you!