6 Payment Modules for Drupal Commerce

If you run your own online store, you have most certainly wondered many times which integrations to use to meet customers' expectations. In the text below, I present a list of several modules for payment integration to make Drupal-based e-commerce as effective as possible.

Commerce PayPal

Commerce PayPal is one of the most popular payment solutions that supports:

• PayPal Payments Standard (WPS) – redirects to PayPal during the purchasing process with instant payment notifications (IPN)
• PayPal Payments Pro (WPP) – supports authorisations during the payment process
• PayPal Express Checkout (EC) – redirects from the cart or the purchasing process to PayPal by updating the order
• PayPal Payments Advanced (PPA)/Payflow Link (PFL) – both are functionally equivalent, facilitating payments via PayPal, with the difference being that the first one applies to the US and Canada, and the second one – to all other international locations

The module also includes support for PayPal Credit, thanks to which the range of payment choices made available to the customer becomes really wide.

Using Commerce PayPal undoubtedly should be taken into account. Let us be aware that a large number of e-customers got used to PayPal and it is their favourite payment method. Sometimes the customers also choose not to make a purchase upon finding out that PayPal is not among the payment options.

Therefore, the benefit of this module can be invaluable, and with the help of an experienced Drupal developers, you can implement it effectively.

Full description of Commerce PayPal.

Commerce Stripe

By integrating Stripe with Drupal Commerce, you provide yourself with a tokenised payment gateway. What are its benefits? Customers can make payments safely at the drupal-based store without leaving your website.

Stripe also accepts online payments, allowing customers to complete transactions with Visa, MasterCard, American Express, Discover, JCB and Diners Club cards, and even Bitcoins.

Among the many functionalities, the following can be mentioned:

• PCI standard-compliant payments,
• using the Stripe.JS library, thanks to which confidential card data never ends up on the server (only the token representations of cards are being stored),
• tracking the payment status, 
• handling of refunds via the Commerce terminal form,
• handling of Bitcoins.

As you can see, there are several reasons why it would be worth to implement Stripe in your store.

Full description of Commerce Stripe.

Commerce Authorize.Net

By integrating the Authorize.Net module with Drupal Commerce, e-customers will be able to make payments via, e.g.:

• Visa
• MasterCard
• Discover
• American Express
• JCB
• PayPal
• Visa SRC
• Apple Pay
• Chase Pay
• E-check

The execution of international payments is therefore made absolutely possible in this case.

Recurring payments certainly deserve attention. Regardless of whether it concerns subscriptions or regular customers, this option significantly reduces the time needed for the purchasing process – there is no need to re-enter the billing data for every transaction manually.

An interesting functionality are also the filters protecting against scammers. Among the thirteen, the following can be found:

• Speed filters – they limit the number of transactions allowed per day or hour in order to identify major scams
• IP filters – they block activity based on IP address, region, transaction speed
• Transaction filters – they verify that credit card information correctness before processing, they define thresholds based on amounts, they flag suspicious activity based on specific criteria
• Shipping filters – they identify discrepancies in shipping billing, e.g. by verifying the shipping address

Another well thought out element is the e-customer invoicing option. Thanks to it, you will be able to send personalised email messages containing your logo, selected background, and font, as well as a personal note or description. You will use a dashboard that allows you to search by invoice number and filter by invoice: sent, paid, cancelled or drawn-up. The system is also enriched with automatic email reminders about unpaid or overdue invoices. In addition, your customers will be able to pay invoices via mobile devices, which is an important convenience.

The Commerce Authorize.Net module is undoubtedly a valuable solution that you should not ignore.

Commerce Amazon Pay

The Amazon brand probably does not need to be introduced in detail to anyone, and it seems that this is one of the most important arguments why the Commerce Amazon Pay module is worth implementing, and it is definitely worth analyzing as part of Drupal consulting to make the best use of it in your e-store.

The fact that Amazon can boast having over 310 million active users around the world, on the one hand, must inspire confidence, but on the other hand – the need to take this solution into account in your e-commerce.

When it comes to trust, it can certainly translate into an increase in conversion rate, which is one of the arguments in Amazon's marketing message.

The second argument for adding Commerce Amazon Pay as a payment method is to save your e-shop customers' time by allowing them to take advantage of the information they already use on Amazon. Instead of entering payment and shipping details, customers can log in into their Amazon account and complete the purchasing process with just a few clicks. This contributes to a hassle-free checkout which can help reduce the cart abandonment rate and encourage customers to return.

The third argument is omnichannel. The biggest lesson to be learned from the continuous increase in omnichannel purchases is the need to offer a consistent shopping experience across all channels. Amazon Pay makes it easier for customers to shop online via mobile devices or even using their voice, as shown by Amazon Alexa.

Are these reasons enough to connect Amazon with Drupal Commerce? Everyone has to consider it individually according to their own business needs and expectations, but the fact that Drupal gives you this opportunity is undoubtedly crucial.

Commerce Tpay (Poland)

Have you heard about Tpay.com already? This solution was created for the Polish e-commerce market. The following payment methods are available: internet transfers, e-transfers, payment cards, instalment payments and mobile payments using QR codes, the BLIK system and premium SMS. The system enables full automation of payment acceptance and immediate execution of orders.

Undoubtedly, an interesting solution is Fastpass as an additional payment method for customers. Thanks to this free mobile application, it is possible to accept BLIK payments from a smartphone. So, if you do not want to pay for the terminal, just download the application and register a Tpay account – your smartphone becomes the terminal.

As part of Tpay, you can also use electronic wallets, and thus – integrate the website with the most popular service providers: Google Pay, Visa, masterpass, PayPal.

Tpay is an online payment operator worth taking a closer look at. Description of Commerce Tpay.

Dotpay (Poland)

Marketplace, fast pay-outs, automation of returns, as well as links, reminder and payment geolocation are some of the Dotpay functionalities intended for the Polish market.

This wide offer of payment services is also a consequence of the Dotpay's merger with Przelewy24 and eCard.

Among the payment methods you can also find:

• online transfers
• BLIK
• PayPo
• e-Raty (e-Instalments)
• currency payments
• Apple Pay
• Google Pay

And among the payment solutions:

• One Click
• Planet Plus
• QR codes
• Click & Collect

More items can be listed here because there are many possibilities. Therefore, the fact that Dotpay can be integrated with a Drupal-based store is all the more pleasing. Due to the wide offer, the customer has many options to choose from and therefore the likelihood of conversion becomes greater.

More information can be found at the Dotpay website, as well as on drupal.org.

Summary

It does not matter whether you sell products from the consumer electronics industry, fashion industry, or any other – it is important that you can integrate with your Drupal e-store a solution that fits strictly to your own business goals. I listed five out of over... 100 payment modules. I recommend that you familiarize yourself with the others.