How to Set Up Payment Methods in PhotoBiz ECommerce

How to Set Up Payment Methods (Merchants) in PhotoBiz

Overview

The Merchants section in your PhotoBiz ECommerce Dashboard controls how your clients can pay through your website. You can connect a supported credit or debit card processor, offer PayPal, or create an Offline Payment option for payments you collect separately.

You can offer multiple payment options, but only one supported credit or debit card gateway can be your primary card processor at a time. PayPal and eligible Offline Payment options can be offered alongside your primary gateway.

Stripe is the recommended merchant provider for PhotoBiz accounts.

This guide explains the payment methods available in PhotoBiz, how to add a merchant, and where to find detailed setup instructions for each supported provider.

Important Payment Rules to Know

Before setting up your payment methods, keep these rules in mind:

You can configure multiple payment options on your PhotoBiz account.
Only one supported credit or debit card gateway can be your primary card processor at a time.
PayPal can be offered alongside your primary credit or debit card gateway.
Offline Payment options can be used for payments you collect separately.
Offline Payment options are not supported with Forms or Invoicing.
PhotoBiz can only connect with merchant providers available in the MERCHANTS section.
Custom or unsupported payment gateways cannot be connected to PhotoBiz.

Available Payment Options

Credit and Debit Card Gateways

You can select one of the following supported providers as your primary credit or debit card processor:

Stripe — PhotoBiz's recommended merchant provider. See How to Set Up Stripe as a Merchant.
Square — See How to Set Up Square as a Merchant.
Authorize.net — See How to Set Up Authorize.net as a Merchant.
PayJunction — See How to Set Up PayJunction as a Merchant.
Payflow Pro — See How to Set Up Payflow Pro as a Merchant.

Your selected merchant provider processes online payments and manages transaction processing, merchant fees, payouts, and other merchant account activity.

PayPal

PayPal can be offered as an additional payment option alongside your primary credit or debit card gateway.

When a client selects PayPal, they are redirected to PayPal to complete the transaction. Depending on the options available through PayPal, clients may also be able to pay with a debit or credit card without signing in to a PayPal account.

If you want to accept PayPal, see How to Set Up PayPal as a Merchant.

Offline Payment

Offline Payment allows a client to complete an eligible checkout without PhotoBiz processing an online payment.

You can use an Offline Payment option for methods you handle separately, such as:

Cash
Check
Zelle
Venmo
Another payment arrangement you make directly with the client

Use the SPECIAL INSTRUCTIONS field to explain how the client should complete payment.

Offline Payment methods are not supported with Forms or Invoicing.

If you want to accept Offline Payments, see How To Set Up Offline Payment Methods

Currency Settings

Your PhotoBiz ECommerce currency setting determines the currency used for your prices and checkout.

Before connecting a merchant, make sure your selected PhotoBiz currency is supported by the merchant provider you plan to use. Merchant providers may have their own requirements for supported currencies, countries, and account locations.

See How to Set Your Currency in PhotoBiz ECommerce to review or change your currency.

STEP ONE

STEP TWO

Click PAYMENT at the top of your ECommerce Dashboard, then select MERCHANTS from the dropdown menu. The Merchants section displays any payment methods already configured on your account.

STEP THREE

Click NEW MERCHANT, then select the merchant or payment method you want to add. Available options include Stripe, Square, PayPal, Authorize.net, PayJunction, Payflow Pro, and Offline Payment.

After you select a merchant type, PhotoBiz displays the settings or connection process required for that payment method. Use the provider-specific guide linked in the Available Payment Options section above for detailed setup instructions.

FINAL STEP

Complete the required settings for your selected merchant, then click ADD MERCHANT to save it.

After the merchant is connected, return to ECOMMERCE → PAYMENT → MERCHANTS to confirm that it is active and review the settings available for that provider. Before accepting client payments, review your checkout to make sure the expected payment options appear and your payment instructions are clear.

Managing an Existing Merchant

After you add a merchant, you can return to ECOMMERCE → PAYMENT → MERCHANTS and click the merchant to review its settings.

Available settings vary by merchant provider. Common options may include:

ACTIVE — Controls whether the payment method is available.
PAYMENT NAME — Controls the name clients see for the payment option.
SPECIAL INSTRUCTIONS — Adds payment information or directions for your clients.
THANK YOU MESSAGE — Displays a custom message after checkout.

Some providers include additional settings or account information.

For example:

Stripe displays the account connected to the merchant.
PayPal includes the PAYPAL EMAIL associated with the PayPal account.
Square includes a LOCATION ID, RECONNECT option, and ACCEPTED CREDIT CARDS settings.

Click SAVE CHANGES after updating an existing merchant.

For complete instructions, see How to Edit or Remove a Merchant or Payment Method

Square Reconnect Option

If you use Square, your merchant settings include a RECONNECT option that allows you to reauthorize the connection between PhotoBiz and Square.

If your Square connection needs to be refreshed, see How to Reconnect Square as a Merchant

Offline Payment Order Status

PhotoBiz cannot automatically confirm when you receive an Offline Payment.

When a client places an order using an Offline Payment option, the payment status is Pending. After you receive the payment, update the order payment status to Paid so your ECommerce order records remain accurate.

See How To Update Payment Status on an Order

PCI Compliance

PhotoBiz is PCI compliant.

If your merchant or payment gateway provider requires proof of PCI compliance, the merchant settings provide an option to download a PhotoBiz PCI compliance report that you can send to the provider.

Payment Processing, Fees, Refunds, and Payouts

Your connected merchant provider processes your online payments and manages the transfer of funds according to the terms of your merchant account.

Your merchant provider may control:

Transaction and processing fees
Payment authorization
Bank deposits and payout schedules
Merchant account verification
Payment holds
Refund processing
Disputes and chargebacks

PhotoBiz does not charge a transaction fee or commission on sales made through your PhotoBiz account. Your merchant provider may charge its own processing fees.

For more information, see How Can I See What I've Paid In Credit Card Transaction Fees?

Refunds for online payments generally need to be processed through the merchant provider that handled the original transaction. Contact your merchant provider if you have questions about a transaction, refund, payout, processing fee, account restriction, dispute, or chargeback.

Helpful Tips

Stripe is the recommended PhotoBiz merchant provider for accepting credit and debit card payments.
Test your checkout after adding or changing a merchant.
Make sure your PAYMENT NAME clearly describes the payment option.
Use SPECIAL INSTRUCTIONS when clients need additional information about completing payment.
Confirm that your PhotoBiz currency is supported by your merchant provider.
If you accept Offline Payments, update the order payment status after receiving payment.

Troubleshooting and FAQs

Which merchant does PhotoBiz recommend?

PhotoBiz recommends Stripe for accepting credit and debit card payments.

See How to Set Up Stripe as a Merchant.

Can I use Stripe and Square at the same time?

You can configure multiple payment options, but only one supported credit or debit card gateway can be your primary card processor at a time.

Can I use PayPal with Stripe, Square, or another primary merchant?

Yes. PayPal can be offered as an additional payment option alongside your primary credit or debit card gateway.

Can I accept cash, checks, Zelle, or Venmo?

Yes. You can create an Offline Payment option for payment methods you collect separately.

PhotoBiz does not process the payment. Use SPECIAL INSTRUCTIONS to explain how your client should complete payment.

Why isn't my Offline Payment option showing on a Form or Invoice?

Offline Payment options are not supported with Forms or Invoicing. Use a supported online merchant for payments collected through those features.

Does PhotoBiz charge transaction fees?

No. PhotoBiz does not charge a transaction fee or commission on your sales. Your merchant provider may charge its own processing or transaction fees.

See How Can I See What I've Paid In Credit Card Transaction Fees?.

Does PhotoBiz receive or hold the money from my online payments?

No. Your connected merchant provider processes your online payments and manages payouts according to the terms of your merchant account.

Where do I issue a refund?

Refunds for online transactions generally need to be issued through the merchant provider that processed the original payment.

Can I choose the currency used at checkout?

Yes. Your PhotoBiz ECommerce settings control the currency used for your prices and checkout.

See How to Set Your Currency in PhotoBiz ECommerce.

Can I connect a merchant provider that is not listed in PhotoBiz?

No. PhotoBiz can only connect with merchant providers available in the MERCHANTS section of your ECommerce Dashboard.

If you would like PhotoBiz to consider another provider, you can submit or vote for a request through the PhotoBiz Feature Request page.

Submitting a request does not guarantee that an integration will be added, but customer feedback helps guide future product development.

What should I do if my merchant is connected but a payment is declined?

First, confirm that your merchant is active in PhotoBiz.

If the merchant is active but the transaction is declined, contact your merchant provider. Your provider controls transaction authorization, merchant account status, payment processing, and payouts.

Related Guides

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