Expanded Payment Surcharge Options Now Available for Australian Merchants

Surcharges for payments by credit card are now fairly common in the Australian market place, and came about from an RBA review into the payments system, which recommended greater transparency for consumers.

These sort of regulations, however, do not exist overseas… especially in the US. This means that support for adding surcharge payments to orders is basically non-existent, and is not really likely to be added in the near future by US-dominated ecommerce platforms.

In case you hadn’t realised, Spiffy Stores is 100% Australia owned, so of course we’re more concerned with meeting the needs of our Australia based merchants. Today’s announcement demonstrates this point.

So we’re happy to announce that our payment surcharge options now include the ability to add a percentage surcharge to all PayPal transactions, in addition to our existing credit card based surcharge options, which allow differing surcharges based on the credit card brand.

Perhaps one of the important lessons we’ve learnt from the global pandemic is that maybe there are some things we don’t really want to get from overseas! It’s been a reminder that there are benefits in looking at local solutions for many of our needs.

Shouldn’t this also be true when you are considering what platform you choose as the basis for your own business?

I guess the bottom line is that with Spiffy Stores, you’re going to get a platform for your online business that is aligned with your needs as a business owner. The same can probably not be said for the US-based platforms that you may be considering.

New Australian payment gateways available

We’re pleased to announce that we’ve added payment gateways from Suncorp Bank and Bendigo Bank to our supported Australian payment gateways.

This means that you now have even more options for accepting credit card payments directly in your online store.

Our current direct payment gateways available to stores in Australia are:

  • Advam
  • ANZ eGate
  • Bendigo Bank
  • Camtech
  • Commonwealth Bank CommWeb
  • eWay
  • NAB Transact
  • NetRegistry
  • PaySecure
  • PaymentExpress
  • SecurePay
  • Suncorp Bank

These are in addition to our support for PayPal Website Payments Standard, PayPal Express, and the ability to accept credit card payments manually using your own credit card processing facilities.

PayPal Express now available

If you’re especially observant, you may have noticed the PayPal Express Checkout button in the Showtime Theme demo that we posted yesterday.  I can confirm that yes! PayPal Express Checkout has been added to Spiffy Stores, and can be set up to replace (or along-side) the PayPal option in the checkout.

Enabling Paypal Express Checkout in your store should help decrease the number of abandoned carts/orders that store owners experience who rely on PayPal to process transactions, as it takes the customer directly to the PayPal checkout from the shopping cart page to place their order.

We’ve been hard at work adding a little tag to everyone’s store to support the new feature, and it’s been included in all of the Spiffy Stores e-commerce themes.  If you’ve somehow missed out, and want to add the button to your store, there are instructions on how to do this in our knowledge base.

Making your Orders just a bit more Secure

Here’s a quick update on a small security update that was added to Spiffy Stores this morning.

When payments are made using PayPal, we are given some information about the status of the customer’s PayPal account. In particular, we are told whether the customer is using a PayPal verified account or not to make the purchase.

This account status is now available from the Order History payment link whenever a payment is made.

You will normally see an item in the Order History like,

10:38am The customer successfully paid....

Click on the line and it will take you to the payments detail page. On the Message line you will now see something like
Received payment from gateway - Payer Status verified

If you receive a payment from an unverified account, you may wish to exercise a little more caution in processing the order.