Configuring the installment payment method

To configure the payment module:

  1. Go to Modules > Payment.
  2. Click the module Lyra - Payment in installments by credit card.
  3. If the module has not been installed yet, click the Install module button.
  4. If the module has already been installed, click the Modify button.
Information about the module
Activation

In order to enable the payment method, select Enabled.

This mode is set to Enabled by default.

Order If you offer several payment methods, enter a number in the Sort order field to determine the position of this payment method.

The payment methods appear in ascending order according to the Sort order value.

Payment area

Define the payment area to which this payment method will apply.

The None value means that the module applies to all areas.

Shop ID Indicate the 8-digit shop ID, available in your Expert Back Office (Menu: Settings > Shop > Keys).
Test key Specify the test key available via your Expert Back Office (Menu: Settings > Shop > Keys).
Production key

Specify the production key available in your Expert Back Office (Menu: Settings > Shop > Keys).

Mode

Allows to indicate the operating mode of the module (TEST or PRODUCTION).

The PRODUCTION mode becomes available only after the test phase has been completed.

The TEST mode is always available.

Signature algorithm Algorithm used to compute the signature of the payment form.

The algorithm must be the same as the one configured in the Expert Back Office (Settings > Shop > Keys).

If the algorithm is different, the parameter will have to be modified via the Expert Back Office.

Payment page URL

This field is pre-populated by default: https://secure.lyra.com/vads-payment/

Default language

This option allows to choose the default language of the payment page in case the language of ZenCart is not supported by Lyra Collect.

If the language(s) used by the ZenCart is (are) implemented into Lyra Collect, the payment page will be displayed in the language of ZenCart when the buyer clicks on “Pay”.

Available languages

Allows to customize the language displayed on the payment page.

The buyer will be able to select a language when he or she is redirected to the payment page.

If you do not select any language, all languages will be displayed on the payment page.

To select a language, press and hold the “Ctrl” key and click on the desired languages.

Available languages:

German, English, Chinese, Spanish, French, Italian, Japanese, Dutch, Polish, Portuguese, Russian, Swedish, Turkish.
Capture delay

Indicates the delay (in days) before the capture.

By default, this parameter can be configured in your Expert Back Office (menu: Settings > Shop > Configuration - section: Capture delay).

It is recommended to not populate this parameter.

Validation mode

Back Office configuration: Recommended value.

Allows to use the configuration defined in the Expert Back Office (menu: Settings > Shop > Configuration section: validation mode).

Automatic:

This value indicates that the payment will be captured in the bank automatically without any action on the merchant’s part.

Manual:

This value indicates that the transactions will require manual validation by the merchant via the Expert Back Office.

Warning: if the transaction is not validated by the merchant before the expiration date of the authorization request, it will never be captured in the bank.

Card types

This field allows to indicate the images used for cards that will be displayed on the payment page or on the merchant website (see “Card data entry”).

Warning:

The payment types offered to the buyer on the payment page depend on the contracts and options associated with your Lyra Collect offer.

It is recommended to select the ALL value.

Managing 3DS
  • In 3DS1: Disables the 3DS1 process during an e-commerce payment. Requires the Selective 3DS1 option.
    IMPORTANT
    This feature will become obsolete as soon as the 3DS1 version is no longer supported by the networks.

    As of October 2020, issuers can refuse the transaction if 3D Secure authentication has not been performed.

    This behavior is called “Soft Decline”.

    To reduce the number of rejected payments, the payment gateway automatically makes a new payment attempt with 3D Secure authentication, when possible.

  • In 3DS2: Allows to request authentication without interaction (frictionless). Requires the Frictionless 3DS2 option.
    • For payments made in euro, if the amount is lower than €30, a request for frictionless is transmitted to the DS. If the request for frictionless is accepted by the issuer, the merchant loses the payment guarantee.

    • For payments made in euros, if the amount is greater than €30, the value transmitted by the merchant is ignored and the management of cardholder authentication is delegated to the gateway.

    • For payments made in a currency other than euro, a request for frictionless is transmitted to the DS.
Minimum amount This field defines the minimum amount for which you wish to offer this payment method.
Maximum amount This field defines the maximum amount beyond which you do not wish to offer this payment method.
Payment option

This module allows you to create as many credit card installment payment options as you like.

Each payment option will have a different code that will be displayed in the order table.

To add a payment option, click on Add.

When you are done, remember to save your changes.

Label

Text describing the installment payment option as it will be offered to the buyer.

Example: Pay in 3 installments with no fees
Minimum amount Allows to define the minimum amount required to make the payment option available.
Maximum amount Allows to define the maximum amount required to make the payment option available.
Merchant ID

The Merchant ID to use with the option, in case your shop has several Merchant IDs.

It is recommended to leave this field empty.

Number

Number of installments:

3 for payment in 3 installments

4 for payment in 4 installments

etc.

Period Period (in days) between each installment.
First installment

Amount of the first installment, expressed as a percentage of the total amount.

Example:

For an amount of 100 EUR in 3 installments, you can

set the percentage of the first payment at 50% of the

amount. This means that the amount of the

first installment will be 50 EUR an that the two

others will be of 25 EUR.

For 50% enter 50.

If you want the amount of every installment to be the same, leave this field empty.

Automatic redirection

This option allows to automatically redirect the buyer to the merchant website. This option depends on the following settings.

This option is disabled by default.

Time before redirection (success) If the automatic redirection option is enabled, you can define the delay in seconds before your buyer is redirected to your shop in case of a successful payment.
Message before redirection (success)

If the automatic redirection option is enabled, you can define the message that will appear on the gateway following a successful payment before your buyer is redirected to the shop.

The default message is:

“Redirection to the shop in a moment”.

Time before redirection (failure) If the automatic redirection option is enabled, you can define the delay in seconds before your buyer is redirected to your shop in case of a failed payment.
Message before redirection (failure)

If the automatic redirection option is enabled, you can define the message that will appear on the gateway following a failed payment before your buyer is redirected to the shop.

The default message is:

“Redirection to the shop in a moment”.

Return mode

During the redirection to the shop, these parameters are returned to the shop in GET or POST modes.

The GET mode is more convenient for the buyer as it allows to prevent the browser from displaying a pop-up window that indicates that the buyer is leaving an https environment for an http environment which obliges the buyer to click on “Accept” to return to the shop.
Order status (payment accepted) Select the Registered orders status. It is recommended to leave the default value.

Once you have completed the configuration, click Refresh.