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Setting up Bank Account & Credit Card Processors

Mitchell Paul-Soumis Updated by Mitchell Paul-Soumis

Read Time: 7 mins

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If you have not already set up a payment processor, start this process immediately, as it requires some lead time to complete.

If you have a Payment Processor and you are changing to a new one, it is recommended that you read this article and contact Sonar before cancelling your existing Payment Processor. This allows Sonar to coordinate a token migration if necessary.

sonarPay

Sonar offers sonarPay, a fully integrated payment solution for internet service providers. With sonarPay you get payments, reporting, reconciliation, and customer service native to Sonar’s billing platform all supported within your Sonar instance.

To sign up or set up sonarPay within your instance, please contact your Client Relations Manager for information and assistance.

Setting up External Payment Processors

In order to begin receiving customer payments (and adding the appropriate customer payment methods) your first step in the process is adding in your preferred payment processors. Below you'll find a list of external Payment processors supported by Sonar, as well as a list of items required to configure the processor.

All supported processors listed here utilize tokenization with Sonar. This means raw customer payment data never gets stored on your Sonar instance.

All available Payment Processors are configured from the same page - within your instance, navigate to Settings, followed by expanding the Billing segment, and lastly select either Bank Account Processor or Credit Card Processor, depending on which one you'll actively be creating.

In the tables for both Bank Account Processors and Credit Card Processors, you'll see a column labeled Primary. This column shows which processor is the default used to tokenize payment methods. There can only be one primary per instance. With additional processors added to an instance, the Sonar Support Team is able to import the tokens to continue working with that processor until the tokens expire and/or a customer re-adds their payment method, at which point the primary payment processor would be used moving forward.

Using Sonar to process your customer refunds directly is not available for all payment processors. Please confirm with your payment provider and the Sonar Support team if you have any questions.

e-Check/Bank Account Processors

You can access the Bank Account Processors by following these steps:

  1. Click on Settings
  2. Expand the Billing segment
  3. Click on Bank Account Processors

Next, click on the “Create Bank Account Processor” button to view the supported processors. In Sonar, we currently support the following external Bank Account Payment Processors, highlighted in the image and table below:

  1. Provider Name

    Required Fields

    Special Requirements

    Provider Help

    Authorize | https://www.authorize.net/

    • Login ID
    • Transaction Key
    To obtain the Authorize.net Transaction key, follow these steps:

    1. Select Settings under Account from the main menu on the left
    2. Click API Login ID and Transaction Key in the Security Settings section
    3. Enter the secret answer to the secret question you configured when you set up your account
    1. Have someone with edit permissions login to the Authorize Settings Portal
    2. Go to “Tools”
    3. Select the “Fraud Detection Suite”
    4. Select “IP Velocity Filter”
    5. Add 52.158.209.86 to IP Address Exclusion

    Getting Started Guide

  2. Provider Name

    Required Fields

    Provider Help

    Bluepay

    • Account ID
    • Secret Key

    Integrating BluePay

  3. Provider Name

    Required Fields

    Provider Help

    CardConnect | https://cardconnect.com/

    • Username
    • Password
    • Merchant ID

    Support Center

    Gateway API Credential Generator

  4. Provider Name

    Required Fields

    Special Requirements

    Provider Help

    IPPay | https://www.ippay.com/

    • Terminal ID
    Click here to download a PDF list of areas that IPPay currently offers processing, as of July 2019

    You have to contact IP Pay to get them to associate the Sonar egress V2 IP address of 52.158.209.86 with your Terminal ID. You will need to send an email like this to support@ippay.com:

    Please add the IP address 52.158.209.86 to the whitelist for TID XXXXXXXX.

    Customer Support

  5. Provider Name

    Required Fields

    Provider Help

    Propay ProtectPay | https://epay.propay.com/protectpay/

    • Account ID
    • Auth Token
    • Account Number

    Support FAQ

ACH

While ACH is also functionally a Bank Account processor, the methods by which ACH processors handle transactions differ sufficiently to be its own category. For more information on how ACH functions, take a look at our ACH Batching: Overview article.

In Sonar, we support any bank as long as they are using one of the following external ACH formats:

  1. Provider Name

    Required Fields

    NACHA ACH

    • Bank Account Number
    • Company Description
    • Company Identification
    • Company Name
    • Immediate Destination
    • Immediate Destination Name
    • Immediate Origin
    • Origin Name
Chase Bank has specific field requirements that include adding trailing zeros to the company header. For more information on these requirements, please see the following:
NACHA File Requirements
Sample NACHA Formatted File.pdf
To assist with setting up a Canadian ACH provider, review the following article.

  1. Provider Name

    Required Fields

    Canada 1464 Byte EFT/CPA 005

    • Bank Account Number
    • Company Name
    • Data Center Code
    • Institution ID
    • Originator ID
Canada 1464 Byte EFT/CPA 005 requires adding the institution number using 8–9 characters for proper completion.

  1. Provider Name

    Required Fields

    Central 1 ACH Standard

    • Bank Account Number
    • Company Name
    • Data Center Code
    • Institution ID
    • Originator ID

  2. Provider Name

    Required Fields

    Royal Bank of Canada 1464 byte EFT

    • Bank Account Number
    • Company Name
    • Data Center Code
    • Institution ID
    • Originator ID

  3. Provider Name

    Required Fields

    BMO Harris Canada 80 Byte EFT

    • Bank Account Number
    • Company Name
    • Data Center Code
    • Institution ID
    • Originator ID

Credit Card Types

Adding a Credit Card Payment Processor can be done by following the below steps:

  1. Click on Settings
  2. Expand the Billing segment
  3. Click on Credit Card Processors

Within Sonar's Credit Card Processor configuration, you can configure each processor with a set of Credit Card Types. All supported Credit Card Types are listed below:

Details
1. Amex
2. Dankort
3. Diners Club
4. Discover
5. Forbrugsforeningen
6. JCB
7. Maestro
8. Mastercard
9. Union Pay
10. Visa
11. Visa Electron
By default, both the Enabled and Primary checkboxes are selected. If you need to assign the card processor to a specific company within your instance, uncheck the Primary checkbox and the Companies drop box will be provided to allow you the ability to select the desirable company for this setup.

Credit Card Processors

Below is a list of supported external Credit Card Payment gateways, as well as the information which can be entered to configure the gateway.

  1. Provider Name

    Required Fields

    Special Requirements

    Provider Help

    Authorize | https://www.authorize.net/

    • Login ID
    • Transaction Key
    • Validation Mode
    To obtain the Authorize.net Transaction key, follow these steps:

    1. Select Settings under Account from the main menu on the left
    2. Click API Login ID and Transaction Key in the Security Settings section
    3. Enter the secret answer to the secret question you configured when you set up your account


    The Validation Mode field is used to indicate the processing mode for the payment. There are 3 different Validation Modes that can be selected:

    Live Mode: If selected, a $0 or $0.01 (depending on card type and processor) live transaction is processed against the card and then immediately voided. Address is required for cards that support $0 authorizations and will be validated along with card code, if submitted.

    Test Mode:     If selected, the card data is validated using simple mathematical checks to confirm that it appears to be valid. It is not a guarantee that the card is legitimate and the customer data is not validated.

    None:     If selected, no validation is performed at all. It is recommended that this option only be used for integration testing and not for production.

    1. Have someone with edit permissions login to the Authorize Settings Portal
    2. Go to “Tools”
    3. Select the “Fraud Detection Suite”
    4. Select “IP Velocity Filter”
    5. Add 52.158.209.86 to IP Address Exclusion

    Getting Started Guide

  2. Provider Name

    Required Fields

    Provider Help

    Bambora | https://www.bambora.com/en/ca/

    • Merchant ID
    • Payment Profile API Key
    • Transaction API Key

    Integrating FAQ

  3. Provider Name

    Required Fields

    Provider Help

    Bluepay

    • Account ID
    • Secret Key

    Integrating BluePay

  4. Provider Name

    Required Fields

    Provider Help

    CardConnect | https://cardconnect.com/

    • Username
    • Password
    • Merchant ID

    Support Center

    Gateway API Credential Generator

  5. Provider Name

    Required Fields

    Special Requirements

    Provider Help

    IPPay | https://www.ippay.com/

    • Terminal ID
    Click here to download a PDF list of areas that IPPay currently offers processing, as of July 2019

    Either Contact IP Pay to get them to associate the Sonar egress V2 IP address of 52.158.209.86 with your Terminal ID. You will need to send an email like this to support@ippay.com:

    Please add the IP address 52.158.209.86 to the whitelist for TID XXXXXXXX.

    Customer Support

  6. Provider Name

    Required Fields

    Provider Help

    Moneris Canada eSelect Vault |

    https://www.moneris.com/en/Products-Services/Online/Ecommerce

    • Store ID
    • API Token

    Merchant Resource Center

  7. Provider Name

    Required Fields

    PayGate PayHost/PayVault | https://www.paygate.co.za/integration/payhost/

    • ID
    • Password

  8. Provider Name

    Required Fields

    Provider Help

    Propay ProtectPay | https://epay.propay.com/protectpay/

    • Account ID
    • Auth Token

    Support FAQ

  9. Provider Name

    Required Fields

    Provider Help

    Stripe | https://stripe.com/en-ca

    • Secret Key

    Locate API Keys

You can contact any of these companies directly for exact terms and pricing details.

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