The payment profile allows payments to flow through your processors based on specific rules, as well as process lost revenue from fully declined or partially declined payments.
Payment profiles are extremely powerful and are recommended when processing any credit card payments, including initial sales, subscription renewals and more. A payment profile can be simple, or complex, depending on your needs. We will go through how to create a payment profile using simple configuration as well as advanced configuration.
If you want to create a payment profile and don't need any advanced features, check out the Create Your First Payment Profile guide.
With payment profiles, you set up a sequence of processors to attempt your transactions, with the ability to alter transaction amounts on subsequent attempts.
Transactions that are ultimately declined when using a payment profile will spawn a Salvage Transaction which allows you to recoup lost revenue either manually or automatically with Salvage Transaction Profiles.
View all payment profiles by clicking the Payments > Credit Card > Payment Profiles link on the sidebar or going to https://revcent.com/user/payment-profiles
Create a new payment profile by clicking the Create New Payment Profile button when viewing all payment profiles or go to https://revcent.com/user/new-payment-profile
Edit an existing payment profile by clicking the edit button when viewing all payment profiles. You can also clone an existing payment profile by clicking the clone icon.
Enter a name for the payment profile. Required.
Enter a description for the payment profile.
Set the status of the payment profile.
After entering the basic fields, proceed to setting up the payment flow below.
The payment flow is the core part of a payment profile and dictates what processor to use for a payment and what to do if a payment is declined. The payment flow consists of steps, each step being a payment attempt.
We have provided examples on creating beginner, novice and advanced payment flows below. If you have any questions or need help, please do not hesitate to contact us.
In this example we will use a single step payment flow. You will use a single gateway to process payments.
Select the source for the step.
Options:
Select the specific gateway to process the step transaction, this is from your previously set up gateways. Select one of your gateways.
The action to take if the step transaction is declined.
Modify Options:
Click the Create New/Save Changes button at the bottom of the page. Congratulations, you have created a payment payment profile with a single step.
In this example we will use a multi step payment flow. You will use multiple payment gateways to process payments. However, you can use any gateway within a step, even if a gateway is being used in another step.
Select the source for the step.
Options:
Select the specific gateway to process the step transaction, this is from your previously set up gateways. Select one of your gateways.
The action to take if the step transaction is declined.
Modify Options:
Action Options:
Select the source for the step.
Options:
Select the specific gateway to process the step transaction, this is from your previously set up gateways. Select one of your gateways.
The action to take if the step transaction is declined.
Options:
Click the Create New/Save Changes button at the bottom of the page.
Congratulations, you have created a payment payment profile with multiple steps.
In this example we will use a multi step payment flow. However, instead of using a specific gateway for each step we will instead use the cascade to choose the gateway. Using the cascade enables advanced payment processing.
Read more on the cascade in the Cascade section below before proceeding.
Select the source for the step.
Options:
Select the order within the cascade.
Options:
The action to take if the step transaction is declined.
Modify Options:
Action Options:
Select the source for the step.
Options:
Select the order within the cascade.
Options:
The action to take if the step transaction is declined.
Modify Options:
Click the Create New/Save Changes button at the bottom of the page.
Congratulations, you have created a payment payment profile with multiple steps.
A payment profile cascade allows you to process transactions at specific gateways using a specific order and set rules for each gateway.
This is a powerful capability, allowing you to distribute transactions to gateways with optional rules for each gateway. Rules can be based on transaction amount, transaction volume, number of declines and specific time ranges.
All gateways in your account are present in the cascade, however a gateway can be disabled within the cascade. Account disabled gateways will be prevented from processing regardless of cascade setting.
Revenue rules are specific to the gateway, and allow or disallow the use of the gateway based on payment volume, occurrences and more. You can add multiple revenue rules to a gateway within the cascade.
Whether the specific rule is enabled. If unchecked the rule will not apply.
The rule bounds to declare if a rule passes or fails.
Options:
The rule value is compared with the calculation value and bound.
The source, in combination with the source value and calculation, is what is used to form the calculation value.
Options:
The source value is specific to the source selected.
Options:
The calculation to perform based on the source value.
Options:
The total amount of time the rule applies in a past time range.
The time unit. Used in conjunction with the time value.
Options:
Time rules are specific to the gateway, and allow or disallow the use of the gateway based on time settings. All time rules are GMT (UTC+0). You can add multiple time rules to a gateway within the cascade.
Whether the specific rule is enabled. If unchecked the rule will not apply.
The specific weekday that the time rule applies.
The time range the rule applies to for the day selected.
Whether to allow or deny the gateway from processing the step transaction based on the current GMT time and the rule day and time ranges.
Options: