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Magento Smart Checkout plugin

Our Magento Smart Checkout plugin allows you to accept payments via Viva Smart Checkout in your Magento store.

Overview
Before you start
Setup instructions
- Step 1: Add Viva Smart Checkout plugin to your Magento store
- Step 2: Review additional information, if needed
Upgrading the plugin
Get Support

Overview

Whilst still functional, this Magento Smart Checkout plugin is no longer supported. A new plugin will be released soon

Supported currencies: BGN (Bulgarian lev), CZK (Czech koruna), DKK (Danish krone), EUR (Euro), GBP (Pound sterling), HUF (Hungarian forint), PLN (Polish złoty), RON (Romanian leu) & SEK (Swedish krona)
Version of Magento required: 2.3.x or 2.4.x
Pricing: There are no additional fees applied on top of the acquiring fee (for the acquiring fee please refer to the pricing page of our website)

This plugin uses our Smart Checkout solution. Please see our video overview of Smart Checkout’s main features and benefits:

Features

Increased conversion: dynamically shows payment methods most likely to convert
Customer preferences: remembers past payment behavior and preferences of the customer across merchants and countries
Saved cards (customer-side): customers can pay using cards they have saved during past purchases, even from other merchants; thus, saved cards are available even to first-time customers. The customer does not need to create an account to save a card or re-use saved cards. New merchants take advantage of the pool of already saved cards across the Viva ecosystem
Card tokenization (merchant-side): the merchant can save the card tokens of their customers in the merchant backend, and then use the saved card tokens when the merchant will redirect their customers to Smart Checkout again in the future. The saved card tokens provided by the merchant will then be presented to the customer on Smart Checkout to use and pay with
Decline recovery: based on the customer’s past payment behavior, we prompt the customer to re-try a declined payment
Installments¹: the customer is able to pay via installments, where applicable (available in Greece only)
Recurring payments: not supported yet
Pre-authorizations: not supported yet
Mobile optimized: offer an optimized browsing experience on any device (mobile, tablet, laptop, or desktop)
Local languages & currencies: support for 17 languages (English, German, French, Italian, Spanish, Polish, Romanian, Dutch, Greek, Czech, Portuguese, Swedish, Hungarian, Bulgarian, Danish, Finnish, and Croatian), and 9 currencies
Cross-border payments: Supported for all payment methods except for local payment methods and Pay By Bank; you can accept payments from international customers for all payment methods except for local payment methods and Pay By Bank
Cross-currency payments: Not yet supported; your customer can only pay you in the currency of your business account
Compliance & security: full PCI & SCA/3DS support utilizing SCA exemptions, along with advanced fraud protection using Machine Learning algorithms
Constantly self-updated: regular self-updates with no coding required from you, to a) offer new payment methods, b) offer new conversion-improving features, and c) comply with all the latest regulatory and security requirements
Single account: No need to have a separate account for settlement
Next day settlement: Money from customer payment is available in your Viva account the next day
0% Acceptance fee: Use your Viva Debit Mastercard to pay for your business expenses and lower your payment acceptance fees up to 0%
Scalability: Through our reliable and state-of-the-art cloud-based infrastructure, you won’t miss a payment

¹ Please note: If offering installments, the value provided by the merchant is not the number of installments the customer will select, and it is not mandatory for the customer to select installments at all. The process is as follows:

The merchant indicates the maximum number of installments they wish to offer to the customer
It is then up to the customer whether they pay with or without installments
If the customer decides to pay with installments, they are able to select the number of installments (up to the maximum specified by the merchant)

User experience

This plugin uses our Smart Checkout solution. Customers are redirected from your checkout page on your Magento store to Viva Smart Checkout to pay, and after the customer pays, they are redirected automatically back to your Magento store.

Screenshots

The below images show:
a) a demo checkout page on Magento, and
b) a demo Viva Smart Checkout:

Magento Checkout Page
Smart Checkout

Video

The below video shows the user experience from your checkout page to Viva Smart Checkout.

Supported payment methods

Smart Checkout supports a wide variety of payment methods, including:

Cards (Visa, Mastercard, American Express, Maestro, Bancontact, JCB, Discover & Diners Club)
Digital wallets (Apple Pay, Google Pay, Samsung Pay, PayPal, PayPal Pay Later, Viva Wallet & MobilePay Online)
Local payment methods (BANCOMAT Pay, Bancontact QR, BitPay, BLIK, EPS, iDEAL, IRIS, Klarna, MULTIBANCO, MB WAY, P24, Payconiq, PayU, Swish, tbi bank, Trustly, WeChat Pay & BlueCode)
Direct Debit & other payment methods (SEPA Direct Debit, Pay By Bank, Cash (Viva Spot) & e-banking (ΔΙΑΣ/DIAS))

Please see our Payment Methods page for further information on all of our payment methods

Cross-border payments: You can accept payments from international customers for all payment methods except for local payment methods and Pay By Bank

Before you start

Step 1: Create Viva account

If you do not already have an account with Viva please create an account.

Sandbox/demo account for testing purpose.
Production/live account for payments in the real world.

Step 2: Find account credentials

Log in to Viva, demo or live , and select the required account.
Go to Settings > API Access and find your Merchant ID and API Key:
Note these values for future use

Step 3: Create Payment Source

Please refer to this page for instructions on adding a new Payment Source in the Viva banking app.

You will need to use the Magento-specific Success & Failure URLs, as specified at the bottom of the above Payment Source creation page

Add your brand logo

We would highly recommend you show your company logo on your payment pages in order to increase customer recognition and trust, thus improving conversion. You can insert your company logo while creating the payment source as outlined above.

You can also change or update this logo at any time. To do this, please see our adding your brand logo tutorial for a step-by-step guide.

Step 4: Determine your payment methods

Determine which payment methods you want to offer to your customers.

Some of these payment methods are automatically activated for you by us (e.g. Apple Pay), other payment methods can only be activated by yourself (e.g. PayPal), for others you need to get in touch with us to activate them for you after a further review of your business.

Please note: it is not possible to activate asynchronous payment methods for the Magento Plugin

Setup instructions

Adding the Magento Smart Checkout plugin consists of the following steps.

Step 1: Add Viva Smart Checkout plugin to your Magento store

Download the Magento Smart Checkout plugin (ZIP file) to your device
Unzip the downloaded ZIP file
Open the directory containing the source files (magento_vivawallet/Ced/VivaPayments)
Access your Magento directory and upload all files from the above directory to your Magento installation (new files will be added to your app/code/Ced/VivaPayments folder within Magento)
Run the following commands within Magento (you will need to ensure you have write permissions – please see here for more details on how to run commands):
- Enable module: bin/magento module:enable --clear-static-content Ced_VivaPayments
- Upgrade database: bin/magento setup:upgrade
- Re-run flush command: bin/magento cache:flush
- Re-run compile command: bin/magento setup:di:compile
Navigate to STORES > Configuration from the main menu within the Magento Admin panel:
Navigate to payment methods under the Sales tab:
Locate the Viva Smart Checkout module - within the settings panel, fill in the following fields:

Enabled: Check this box to enable the plugin
Title: Enter the title to display to customers on the Checkout screen

We recommend to specify your own title, rather than using the default text “Credit Card (Viva Smart Checkout)”. We propose instead to use “Viva Smart Checkout (pay using 30+ methods)” or similar, to highlight the array of available payment methods

Merchant Id: Enter the Merchant ID you noted in Step 2: Find Account credentials
API Key: Enter the API Key you noted in Step 2: Find Account credentials
Source Code: Enter the Source Code of the Source you created in Step 3: Create Payment Source
OrderCode URL:
- Enter https://www.vivapayments.com/api/orders if you are using a live Viva instance
- Enter https://demo.vivapayments.com/api/orders if you are using a demo Viva instance
Gateway URL:
- Enter https://www.vivapayments.com/web/newtransaction.aspx if you are using a live Viva instance
- Enter https://demo.vivapayments.com/web/newtransaction.aspx if you are using a demo Viva instance
Transaction URL:
- Enter https://www.vivapayments.com/api/transactions if you are using a live Viva instance
- Enter https://demo.vivapayments.com/api/transactions if you are using a demo Viva instance
- Installments: This is an optional field, only applicable to Greek merchants – you can set the maximum allowed payment card installments and their corresponding order values

When complete, save these settings and the Viva Smart Checkout payment option will be available in your checkout

Step 2: Review additional information, if needed

Important: To avoid errors, please make sure your PHP setup is correct – see Magento’s PHP documentation for more information on PHP settings
In order to deactivate the module, use the following command:
bin/magento module:disable --clear-static-content Ced_VivaPayments
In order to update static files, use the following command:
bin/magento setup:static-content:deploy

Upgrading the plugin

Keeping the plugin up to date help improve user experience with the addition of new features as well as improvement of existing features.

To find the existing version of the plugin, access your Magento directory and open changelog.txt file under app/code/Ced/VivaPayments folder. The version with the most recent date shows your current version.
Check the Release Notes page and search for Magento plugin releases. If you see a newer version, download it from this link.
Unzip the downloaded ZIP file, copy the VivaPayments folder from the directory magento_vivawallet/Ced/ and replace it with VivaPayments folder under Magento’s app/code/Ced/ directory.
Run the following commands within Magento directory – please see here for more details on how to run commands
- Enable module: bin/magento module:enable --clear-static-content Ced_VivaPayments
- Upgrade database: bin/magento setup:upgrade
- Re-run flush command: bin/magento cache:flush
- Re-run compile command: bin/magento setup:di:compile

Get Support

If you would like to integrate with Viva, or if you have any queries about our products and solutions, please see our Contact & Support page to see how we can help!