Updated January 04, 2026
Payment Gateway Configuration
Payment gateway configuration in EquiBillBook involves setting up detailed settings for your integrated payment gateway to ensure optimal payment processing. This guide explains how to configure payment gateway settings effectively.
What is Payment Gateway Configuration?
Payment gateway configuration involves setting up specific parameters and settings for your payment gateway integration, including API credentials, webhook settings, payment methods, currency options, and other operational parameters that control how payments are processed.
Accessing Payment Gateway Configuration
To access payment gateway configuration:
- Navigate to Settings → Online Payment Settings → Payment Gateway Configuration
- Select your integrated payment gateway
- View and configure gateway settings
- Save configuration changes
API Credentials Configuration
Configure API credentials:
- API Key/ID: Public API key from gateway
- API Secret: Secret key for authentication
- Merchant ID: Merchant identifier (if required)
- Access Token: OAuth access token (if using OAuth)
- Test Credentials: Separate credentials for testing
- Production Credentials: Live credentials for production
Environment Configuration
Configure environment settings:
- Test Mode: Enable/disable test/sandbox mode
- Production Mode: Switch to live/production environment
- Environment Switching: Easy switch between test and production
- Test Data: Use test data in test mode
Webhook Configuration
Configure webhook settings:
- Webhook URL: Public HTTPS URL for receiving events
- Webhook Secret: Secret for verifying webhook requests
- Webhook Events: Select events to receive:
- Payment success
- Payment failure
- Payment refund
- Payment dispute
- Subscription events
- Webhook Retry: Configure retry logic for failed webhooks
- Webhook Timeout: Set timeout for webhook requests
Payment Methods Configuration
Configure available payment methods:
- Credit Cards: Enable/disable credit card payments
- Debit Cards: Enable/disable debit card payments
- UPI: Enable/disable UPI payments (India)
- Net Banking: Enable/disable net banking
- Wallets: Enable/disable digital wallets
- Bank Transfer: Enable/disable bank transfers
- EMI: Enable/disable EMI options
- BNPL: Enable/disable Buy Now Pay Later
Currency Configuration
Configure currency settings:
- Default Currency: Set default currency for payments
- Supported Currencies: Select currencies to accept
- Currency Conversion: Enable automatic currency conversion
- Multi-currency: Support multiple currencies
- Currency Display: How currency is displayed to customers
Payment Amount Configuration
Configure payment amount settings:
- Minimum Amount: Set minimum payment amount
- Maximum Amount: Set maximum payment amount
- Amount Validation: Validate payment amounts
- Partial Payments: Allow/deny partial payments
- Round-off Settings: Configure amount rounding
Payment Timeout Configuration
Configure payment timeout settings:
- Payment Link Expiry: Time before payment link expires
- Session Timeout: Payment session timeout duration
- Retry Timeout: Timeout for payment retries
- Auto-expiry: Automatically expire old payment links
Payment Page Configuration
Configure payment page settings:
- Custom Branding: Add logo and colors to payment page
- Payment Page URL: Custom payment page URL (if supported)
- Success URL: Redirect URL after successful payment
- Failure URL: Redirect URL after failed payment
- Cancel URL: Redirect URL if payment is cancelled
Payment Notification Configuration
Configure payment notifications:
- Email Notifications: Send email on payment events
- SMS Notifications: Send SMS on payment events
- WhatsApp Notifications: Send WhatsApp on payment events
- Notification Recipients: Who receives notifications
- Notification Events: Which events trigger notifications
Refund Configuration
Configure refund settings:
- Refund Processing: Enable/disable automatic refunds
- Refund Timeout: Time limit for processing refunds
- Partial Refunds: Allow/deny partial refunds
- Refund Notifications: Notify on refund completion
- Refund Fees: Configure refund fee handling
Security Configuration
Configure security settings:
- SSL/TLS: Ensure all communications use SSL/TLS
- Webhook Verification: Verify all webhook requests
- IP Whitelisting: Whitelist gateway IP addresses (if supported)
- Request Signing: Sign requests for verification
- Encryption: Encrypt sensitive data
Payment Gateway Logging
Configure logging settings:
- Enable Logging: Enable payment gateway logs
- Log Level: Set log detail level
- Log Retention: How long to keep logs
- Log Events: Which events to log
- Error Logging: Log errors and failures
Payment Gateway Testing
Test payment gateway configuration:
- Enable test mode
- Create test payment link
- Test successful payment
- Test failed payment
- Test refund process
- Verify webhook receives events
- Check notifications are sent
- Test different payment methods
- Switch to production when ready
Payment Gateway Monitoring
Monitor payment gateway performance:
- Success Rate: Monitor payment success rate
- Failure Rate: Track payment failures
- Response Time: Monitor API response times
- Error Tracking: Track and analyze errors
- Transaction Volume: Monitor transaction volume
- Revenue Tracking: Track payment revenue
Troubleshooting Configuration
Common configuration issues:
- Invalid Credentials: Verify API keys are correct
- Webhook Not Working: Check webhook URL and SSL
- Payment Methods Not Showing: Verify payment methods are enabled
- Currency Issues: Check currency configuration
- Timeout Issues: Adjust timeout settings
- Notification Issues: Verify notification settings
Configuration Best Practices
- Test First: Always test in sandbox before production
- Secure Credentials: Protect API credentials
- Monitor Regularly: Monitor gateway performance
- Update Settings: Keep configuration updated
- Document Changes: Document configuration changes
- Backup Configuration: Keep backup of configuration
- Review Periodically: Review settings periodically
Properly configured payment gateway ensures smooth payment processing, better security, and optimal customer experience. Configure all settings carefully, test thoroughly, and monitor regularly.