Payment Methods

AWizCommerce supports multiple ways to collect payment from your customers, whether you're at a trade show, closing a deal in the field, or sending a payment request remotely.

This article covers how to collect credit card payments, record offline payments, process ACH bank transfers, and send payment links, all from within WizCommerce.

To Get There: Sales > Orders > Open Order > Collect Payment

Table of Contents

 Before You Begin

• Ensure you have the necessary access to collect payments in WizCommerce.
• Have the customer's payment details ready before starting the payment flow.
• For ACH payments, confirm the customer's bank account number and routing number in advance — ACH settlement takes 4 business days.

Available Payment Methods

• Credit Card: Charge a customer's card directly or pre-authorise and capture later
• Offline Payment: Record payments made outside WizCommerce — such as cash, check, or wire transfer
• ACH (Bank Transfer): Process a direct bank transfer from the customer's account
• Payment Links: Send a secure link so customers can pay using their preferred method

A. Credit Card Payment

Collecting a Credit Card Payment

1. Go to Sales → Orders and open the confirmed order.
   
   
2. Click Collect Payment in the top right of the order page. 
   
   
3. The invoice amount auto-populates from the order total. Adjust the amount if you're collecting a partial payment — for example, a 50% deposit.
4. If the customer has a saved card on file, it appears automatically showing the last 4 digits and expiry date. Select it, or click Add New Card to enter new details.
   
   
5. For a new card, enter the following:
   • Cardholder Name
   • Card Number
   • Expiration Date
   • CVV 
     
     
     
     
     
     

1. Check Save card if you want it to auto-populate on future orders.
2. Click Charge.

A unique Transaction ID is generated, a confirmation email is sent to the customer, and the payment appears under the order's Payments section with status Completed.

Saving a Card to a Customer Profile

1. During any payment flow, enter the card details.
2. Check Save card and optionally Mark as default.
3. On future orders for this customer, the saved card appears automatically.

You can also save a card directly from the customer profile:

1. Go to the Customers tab from the side navigation.
   
   
2. Select the relevant customer from the list.
3. Click on the Profile tab within the customer record.
4. Click Add Card, enter the required card details, and click Save.
   
   

Credit Card Surcharge

A credit card surcharge (for example, 3%) can be added to orders to offset processing costs. Configure it as a percentage or a fixed dollar amount. Customers see the fee before placing the order.

B. Offline Payment

Use offline payments to record transactions that happened outside WizCommerce — such as cash collected at a trade show, a mailed check, or a wire transfer.

Recording an Offline Payment

1. Go to Sales → Orders, open the order, and click Collect Payment.
2. Select Offline Payment from the payment method dropdown. 
   
   
3. Fill in the following details:
   • Collection Date: defaults to today — adjust if the payment was received earlier
   • Amount: enter the exact amount received
   • Payment Mode: choose Cash, Check, or Other
   • Notes: add reference details such as a check number or wire confirmation ID
   • Email Receipt: check this to send a confirmation to the customer
4. Click Charge.

The payment is recorded in WizPay → Transactions with status Completed and collection mode Offline.

C. ACH (Bank Transfer)

ACH payments are bank-to-bank transfers — the most cost-effective method for large wholesale orders since there are no processing fees.

Collecting an ACH Payment Directly

1. Open the order and click Collect Payment.
2. Select ACH from the payment method dropdown.
   
   
3. Enter the customer's:
   • Account Holder Name
   • Bank Account Number
   • Routing Number
     
     
4. Check Save account to store it for future transactions, and optionally Mark as default.
5. Click Charge.

Understanding ACH Settlement and Returns

• Day 1: Transaction initiated and submitted to the ACH network
• Days 2–3: The customer's bank processes the debit. If funds are insufficient, an ACH return is generated.
• Day 4: Funds are settled to your bank account

If an ACH return occurs, the transaction status changes to Failed or Returned in WizPay.

D. Payment Links

Payment links let you send a secure, flexible payment request to a customer without needing them to be present. Customers can pay using their preferred method directly from their email.

Creating a Payment Link

1. Go to Sales → Orders, open the order, and click Collect Payment.
2. Select Payment Link from the payment method dropdown.
   
   
3. The customer's email auto-populates. Add additional recipients if needed.
4. Adjust the Payment Amount if collecting a partial payment or deposit.
5. Add an optional Note for context (for example, "50% deposit for Order #4521").
6. Select which payment types the customer can use: Card, ACH, or Both.
7. Click Send Link.

What the Customer Sees

1. The customer receives an email with a Pay Now button.
   
   
2. Clicking the button opens a secure portal showing the company name, Order ID, and total order value.
3. The customer selects their payment method and enters their details. 
   
   
4. On success, a confirmation page is shown and a receipt email is sent to both the customer and your business.

E. Processing Fees at a Glance