Bank of America 

Bank of America is a payment gateway solution that allows you to safely accept payments across multiple sales channels, worldwide. You can integrate and use Bank of America as a payment gateway in Chargebee to effectively process your payments.

Chargebee currently supports only Card payments with Bank of America.

Integration Options 

Listed below are the integration options available between Chargebee and Bank of America:

Prerequisites 

The following are the prerequisites for configuring the Bank of America gateway in your Chargebee site:

• You must have a business account with Bank of America. Create one , if you don't have it already.
• Retrieve the following details from your Bank of America account:
  • Merchant ID
  • Shared Secret Key
  • Key
• Enable TMS (Tokenization management service), Card payment method, and corresponding currencies on your merchant ID.
• Card Address is mandatory to be passed to Bank of America for a successful payment.
• Make sure to configure and enable the card billing address and the customer email address if you are using Chargebee's hosted pages.
• Sending payment receipts is mandatory, therefore, make sure to configure it in Chargebee. Learn more
• While mapping tokens from Bank of America into Chargebee, make sure that the token format is Payment Instrument Identifier/ Instrument Identifier.

Configuring Bank of America 

To configure Bank of America in Chargebee, follow the below steps:

1. Click Settings > Configure Chargebee > Payment Gateway > Add Payment Gateway.

2. Click Bank of America.

   

3. Enter the Merchant ID, Key, and Shared Key retrieved from your Bank of America account.

4. Click Connect.

   

The Configure Bank of America page appears as shown below:

Configuring Card Settings 

Follow these steps to configure the Cards Settings for Bank of America:

1. Click Settings > Configure Chargebee > Payment Gateways > Bank of America, and click the Manage link in the Cards section. The Cards Settings page is displayed. Configure the following settings based on your business requirements:
   a. Cards verification: This option is enabled by default to validate your customers' cards by doing a test authorization. An amount of $0 is deducted from the customers' card to collect mandatory information from Bank of America and for the integration to work properly. This amount will be refunded immediately. Cards that do not pass this validation, will not be added.
   b. Allow Prepaid cards: Enabling this option allows your customers to use a prepaid card for their transactions.
   c. Always retain card information in Bank of America when the customer updates it: If you have configured multiple payment gateways in Chargebee, enabling this option stores the updated card information in Bank of America rather than the default gateway.
   d. Display Card Logo for: Click the drop-down, and select the card brands for which you want to display logos, on your Checkout and Self-serve Portal pages. (This setting is only applicable for Single Page Checkout and Self-serve portal).
2. Click Save and then Apply.
   

Fraud Management 

When the customer subscribes to a plan for a product and makes the payment, the following scenarios may take place with respect to fraud management:

1. Once the customer makes the payment via the checkout, that payment is sent for authorization to Bank of America.

2. While the payment is being authorized, based on the fraud rules configured in Bank of America, some payments may be flagged for manual review. Those payments which are flagged for manual review are marked as Suspicious in Chargebee with an In Progress state and the subscription is created in the Active state.

   NOTE: Chargebee cannot raise a request to complete the payment unless the manual review has been completed by the merchant in the Bank of America.

3. Merchants have to review the payment flagged for manual review within a period of 1 to 3 weeks from the time when the payment is flagged for manual review.

   a. If the payment is found to be genuine, the merchant accepts the manual review in the Bank of America portal. Once the manual review is accepted, the merchant needs to capture the payment in the Bank of America portal. Once the payment is accepted, Chargebee syncs the payment status and marks it as Successful.

   NOTE: If the merchant does not capture the payment after accepting the manual review, within 1 to 3 weeks in the Bank of America portal, Bank of America will automatically reverse it, but, it will remain in the Successful state in Chargebee. This creates a discrepancy between Chargebee and Bank of America. Make sure to capture the payment successfully immediately after accepting the manual review to avoid this.

   b. If the payment is found to be fraudulent, the merchant rejects the manual review in the Bank of America dashboard. Once the manual review is rejected, the merchant needs to reverse the authorization for the payment in the Bank of America portal. After the authorization is reversed, Chargebee syncs the payment status and marks it as Failed and Fraudulent. Following this, the merchant marks the customer as fraudulent to cancel the subscription in Chargebee.

   

Payment Receipts 

A payment receipt is a document given to a customer as proof of full or partial payment. Bank of America has mandated sending these receipts digitally through an email for every successful payment and refund.

You need to enable and configure the following email notifications in Chargebee:

• One-time charge is successful
• Initial/Recurring charge is successful
• Refund is successful
  

For complying with the requirements of Bank of America, the following fields must be configured in Chargebee's Email Notifications section:

• Merchant Name and Address
• Merchant Customer Service Phone Number
• Transaction Type e.g. Sale, Refund, etc.
• URL or Customer Service Email Address
• RRN (Reconciliation ID) for Payments and Refunds
• Authorization Code for Payments
• Card Network (eg., Visa, Mastercard)
• Invoice Details
• Transaction amount - This is available in the email template by default, so you don't need to add it manually.

These fields appear in the email as shown below:

You can add various fields to the desired email notifications using the following methods:

1. Using Static Fields: Merchants are required to configure these fields with the appropriate value in the email notification manually.
   Following are the static fields from the above list:

   • Merchant Name and Address
   • Merchant Customer service phone number
   • Transaction Type (e.g., Sale, Refund, etc.)
   • URL or Customer Service Email Address

2. Using Mail-Merge Fields: Use these fields to display a dynamic value for a particular scenario by adding predefined field names to your email templates in a particular manner. Learn more

Following are the required fields and their mail-merge equivalents:

Follow the steps below to find the mail-merge fields:

1. Go to Settings > Configure Chargebee > Email Notifications > Payments and Credits

2. Click Edit against any desired notification.

3. Click View all mail merge fields.

   

4. A page appears with various sets of mail merge fields. Click on the desired set to view the fields under it.

   

5. Adding a New Section: Using the Add Section option, add the Invoice Details to your email template directly as a separate section. Learn more

   To add a section in your email, follow the steps given below:
   a. Click on the + icon after an existing section in the template.
   b. Click Add Section and select Invoice Details