DocumentationCommerceConfiguration Reference

Sales > Payment Methods

Last update: Thu Oct 31 2024 00:00:00 GMT+0000 (Coordinated Universal Time)

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Payment Services for Adobe Commerce and Magento Open Source provides a turnkey self-service solution, including sandbox testing and a simple setup, for providing robust and secure payment processing. To learn more about this powerful tool set and how it can give you the insight and control you need to create the best experience for your buyers, see the Payment Services User Guide.

To access the store configuration settings, choose Stores > Settings > Configuration from the Admin sidebar.

Merchant Location

Merchant Location

Field
Scope
Description
Merchant Country
Website
Identifies the country where the merchant is registered to conduct business.

The following payment solutions are recommended as an easy way for merchants who are just starting out to accept online payment by PayPal account or credit card. As your business grows, you can combine these with additional PayPal payment solutions.

NOTE
Some payment integrations and bundled extensions have been removed in 2.4.x releases and moved to Commerce Marketplace. You can find the latest official payment integration extensions in Commerce Marketplace.


Amazon Pay and Klarna: Adobe Commerce and Magento Open Source releases 2.4.0 through 2.4.3 included these vendor-developed extensions. Starting with the 2.4.4 release, these extensions are no longer bundled with the core release and must be installed and updated from the Commerce Marketplace. The Marketplace also provides access to current documentation provided by the extension developer.


If you have either of these bundled extension enabled and configured, you must update your composer.json file as part of the 2.4.4 upgrade process and to manage extension updates going forward. See Upgrade modules in the Upgrade Guide for more information.



Worldpay, Eway, CyberSource, and Authorize.Net: For details about making a secure transition from these payment integrations, see the DevBlog.

Other PayPal methods

PayPal offers various payment solutions that meet the needs of businesses of every size, and that are engaged in business all over the world. PayPal gives you the ability to accept payments from all major debit and credit cards. PayPal offers additional convenience without extra effort, because even customers who don’t have a PayPal account can pay for their purchases with PayPal.

PayPal all-in-one methods

PayPal payment gateways

Basic payment methods

The following payment methods are built into Commerce and do not use a third-party payment provider to process the transaction. Many of the basic payment methods managed offline, rather than online.

Check / Money Order

Check / Money Order

Field
Scope
Description
Enabled
Website
Determines if customers can pay by check or money order. Options: Yes / No
Title
Store View
The name for this payment method that appears to customers during checkout.
New Order Status
Website
Determines the initial order status assigned to orders paid by a check or money order. Default value: Pending
Payment from Applicable Countries
Website
Determines the countries from which you accept payment by check or money order. Options: All Allowed Countries / Specific Countries
Payment from Specific Countries
Website
Identifies the specific countries from which you accept payment by check or money order.
Make Check Payable to
Store View
The name of the entity to whom checks and money orders should be made payable.
Send Check to
Store View
The street address or PO Box where checks and money orders should be sent.
Minimum Order Total
Website
The smallest order amount that can be paid by check or money order.
Maximum Order Total
Website
The largest order amount that can be paid by check or money order.

Note: An order qualifies if the total is between, or matches, the minimum or maximum order total.
Sort Order
Website
A number that determines the order that payment by check or money order appears when listed with other payment methods during checkout. Enter 0 to place it at the top of the list.

Bank Transfer Payment

Bank Transfer Payment

Field
Scope
Description
Enabled
Website
Determines if customers can pay by transferring payment directly from their bank to your merchant account. Options: Yes / No
Title
Store View
The name for this payment method that appears to customers during checkout.
New Order Status
Website
Determines the initial order status assigned to orders paid by bank transfer. Default value: Pending
Payment from Applicable Countries
Website
Determines the countries from which you accept payment by bank transfer. Options: All Allowed Countries / Specific Countries
Payment from Specific Countries
Website
Identifies the specific countries from which you accept payment by bank transfer.
Minimum Order Total
Website
The smallest order amount that can be paid by bank transfer.
Maximum Order Total
Website
The largest order amount that can be paid by bank transfer.

Note: An order qualifies if the total is between, or matches, the minimum or maximum order total.
Sort Order
Website
A number that determines the order that payment by bank transfer appears when listed with other payment methods during checkout. Enter 0 to place it at the top of the list.

Payment on Account

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Payment on Account

Field
Scope
Description
Enabled
Website
Determines if companies can use company credit to make purchases. Options: Yes / No
Title
Store View
The name for this payment method that appears to customers during checkout.
New Order Status
Website
Determines the status of new orders charged to a company account. Options: Pending (default) / Processing / Suspected Fraud
Payment from Applicable Countries
Website
Determines the countries where you allow companies to charge purchases to their accounts. Options: All Allowed Countries / Specific Countries
Payment from Specific Countries
Website
Identifies the specific countries where companies can charge purchases to their accounts.
Minimum Order Total
Website
Specifies the smallest order amount that can be charged to a company account.
Maximum Order Total
Website
The largest order amount that can be charged to a company account.

Note: An order qualifies if the total is between, or matches, the minimum or maximum order total.
Sort Order
Website
A number that determines the order that payment on account appears when listed with other payment methods during checkout. Enter 0 to place it at the top of the list.
NOTE
Payment on Account is not supported for orders with multiple shipping addresses and does not appear among the payment options.

Cash On Delivery Payment

Cash On Delivery Payment

Field
Scope
Description
Enabled
Website
Determines if customers can pay by transferring payment directly from their bank to your merchant account. Options: Yes / No
Title
Store View
The name for this payment method that appears to customers during checkout.
New Order Status
Website
Determines the initial order status assigned to orders paid by bank transfer. Default value: Pending
Payment from Applicable Countries
Website
Determines the countries from which you accept payment by bank transfer. Options: All Allowed Countries / Specific Countries
Payment from Specific Countries
Website
Identifies the specific countries from which you accept payment by bank transfer.
Minimum Order Total
Website
Specifies the smallest order amount that can be paid by bank transfer.
Maximum Order Total
Website
The largest order amount that can be paid by bank transfer.

Note: An order qualifies if the total is between, or matches, the minimum or maximum order total.
Sort Order
Website
A number that determines the order that payment by bank transfer appears when listed with other payment methods during checkout. Enter 0 to place it at the top of the list.

Zero Subtotal Checkout

Zero Subtotal Checkout

Field
Scope
Description
Title
Store View
The name that is used for this payment method during checkout. Default value: No Payment Information Required
Enabled
Website
Determines if Zero Subtotal Checkout is available for the store administrator to manage orders that have a subtotal of zero, such as one that has been taxed, but a discount has reduced the amount to zero. Options: Yes / No
New Order Status
Website
Determines the initial order status assigned to orders processed as Zero Subtotal Checkout. Default value: Pending
Payment from Applicable Countries
Website
Determines the countries from which Zero Subtotal Checkout can be applied. Options: All Allowed Countries / Specific Countries
Payment from Specific Countries
Website
Identifies the specific countries for which Zero Subtotal Checkout can be applied.
Sort Order
Website
A number that determines the order that the title, such as “No Payment Information is Required”, appears when listed with other payment methods during checkout. Enter 0 to place it at the top of the list.

Payment actions

Payment actions are configured per payment method. The payment action determines when the funds are captured and when invoices are created for your sales orders.

See the Basic settings section of each individual payment method topic for a comprehensive list of individual configuration options.

Payment Action
Description
Authorization
Approves the purchase, but puts hold on the funds. The amount is not withdrawn until is captured by the merchant.
Authorize
Authorizes the buyer’s account for the order total but does not capture the payment. Capture payment by creating an invoice. Authorized orders can be voided or canceled.
Authorize and Capture
Authorizes the buyer’s account for the order total and captures the payment. An invoice is automatically created. You can refund captured funds via credit memo. You cannot cancel an order once payment has been captured.
Charge on shipment
Amazon receives a capture request and charges the customer when an invoice is created in Commerce.
Charge on order
Amazon creates the invoice and charges the customer when the order is placed.
Not Capture
When the invoice is submitted, the system does not capture the payment. It is assumed that you capture the payment through Commerce later. There is a Capture button in the completed invoice. Before capturing, you can cancel the invoice. After capturing, you can create a credit memo and void the invoice.
Order
Represents an agreement with PayPal that allows the merchant to capture one or more amounts up to the order total from the customer’s buyer account, within a defined time period (up to 29 days).
Sale
Amount of the purchase is authorized and immediately withdrawn from the customer’s account.
NOTE
Do not select the Not Capture option unless you are certain that you are going to capture the payment through Commerce later. You cannot create a credit memo until the payment has been captured using the Capture button.

Purchase Order

Purchase Order

Field
Scope
Description
Enabled
Website
Determines if customers can pay by purchase order (PO). Options: Yes / No
Title
Store View
The name of this payment method that appears to customers during checkout.
New Order Status
Website
Determines the initial order status assigned to orders paid by PO. Default value: Pending
Payment from Applicable Countries
Website
Determines the countries from which you accept payment by PO. Options: All Allowed Countries / Specific Countries
Payment from Specific Countries
Website
Identifies the specific countries from which you accept payment by PO.
Minimum Order Total
Website
The smallest order amount that can be paid by PO.
Maximum Order Total
Website
The largest order amount that can be paid by PO.

Note: An order qualifies if the total is between, or matches, the minimum or maximum order total.
Sort Order
Website
A number that determines the order that payment by PO appears when listed with other payment methods during checkout. Enter 0 to place it at the top of the list.
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