Payment Method

Every campaign requires a payment method to process transactions. This is one of the core requirements for a campaign to be able to accept sales. Vrio offers two approaches to payment processing, each designed for different business needs and transaction volumes.

→ Learn more: Payments Overview

Payment Methods can be either:

1. Single Merchant Account - A single payment gateway processes all transactions for this campaign. This is the simplest setup and recommended for businesses just getting started or those processing through a single payment processor.

2. Payment Router - Multiple merchant accounts are configured in a payment router with logic-based routing to determine which merchant processes each transaction. This advanced setup allows for load balancing, failover protection, and strategic transaction routing based on your business rules.

Within the Processing Tab on the Campaign, you will select your payment approach (single merchant or payment router), then choose the specific merchant or router configuration that will be used to process all transactions in this campaign.

API: Overriding Campaign Payment Method

All sales under this campaign will use the Payment Method setup within the Campaign, unless you wish to override this through the Vrio API. By passing route_id or merchant_id in the API when processing an order, it can override the campaign settings and use what is deemed from the API.

→ Learn more: API Payment Overrides

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Tax Collection

Within the Campaign, you will deem if and how you wish to calculate and collect taxes. There are two options for collecting taxes:

1. Tax Connection (recommended) - this is a third-party connection that will calculate and return the tax amount that should be collected, per transaction.
2. Tax Profile - this is a manually created profile, based on State, and used to calculate the total that should be collected for taxes, per transaction.

These must already be added to your setup. Once in the Campaign, any Tax Connection or Tax Profile in your organization will show on the drop down to be selected.

Once you select, don't forget to save!

Using a Tax Connection & Tax Profile

If your Campaign has a Tax Connection and a Tax Profile, the Tax Connection will apply if available.

If no tax information is passed back from the Tax Connection, Vrio will then default down to the Tax Profile.

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Fraud Prevention

If you wish to utilize a third-party fraud solution, you can add it to your Campaign.

Vrio is integrated with a few Fraud options. Once your Fraud Connection is added, it will appear in the dropdown.

Learn how to add a Fraud Connection here.

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Payment Restrictions

Always require a payment method?

Vrio will always require a payment method to be passed if the total for the order is greater than 0 OR if there is a recurring offer on the order, otherwise when left unchecked, customers may complete a checkout without providing a payment method. When using the API, you would pass payment_method_id=0.

A common use case when to not require a payment method would be for gifting, when someone is claiming their gift. If you have other use cases where you would like to not collect a payment method for an order, review the documentation on the Cash gateway.

Bin Blocking on the Campaign

Vrio allows you to block Bins on the Campaign and the Merchant level. By selecting a BIN Profile, Vrio will not allow any sale to occur when a BIN within that profile is used. A validation error will occur: campaign_bin_not_allowed

Merchants will block BINs when those BINs have had known poor performance or large scale fraud associated with them, costing the merchants more in fees and acquisition costs than profitability.

→ Learn more: BIN Routing

Refund Expiration

This option will allow you to set a specific timeframe as to which refunds may no longer be granted. When a sale hits the timeframe chosen, the refund option will disappear as an available option for customer support.

Merchants can determine if they would then prefer to offer Store Credit or no credit options at that point.

Note: Marking this section as 0 will apply no refund expiration.

Allow Prepaid Cards

Vrio allows you to block prepaid cards from being able to purchase from this campaign. A validation error will occur: campaign_prepaid_not_allowed

Similar to blocking BINS, merchants will block prepaid cards which have had known poor performance or large scale fraud associated with them, costing the merchants more in fees and acquisition costs than profitability.

Group Transactions

When checked, if there are multiple subscriptions on the same order, these will all run on the same charge.

If unchecked, each subscription renewal will be a separate transaction. Caution: As this could be multiple transactions on a single day for a single customer.