Payment Overview in Bold Checkout


Bold Checkout offers a lot of unique methods and features for capturing your customers payments, and making orders through the checkout easy. 


This article is specific to Checkout on BigCommerce. If you are using another platform, please visit the relevant articles for Shopify, WooCommerce, or commercetools here.

If your customers are comfortable with opting in to this feature, they will be able to have their payment information saved within Checkout. This helps with allowing your customers to complete their checkout in a timely manner for all their future purchases.

There's also the option for creating gift cards with email notifications, as well as connecting a trusted payment gateway to ensure that all the payments on your store process securely.

For more information on features relating to payments within Bold Checkout, please see the following information: 



Update Credit Card for Transaction Fees

Bold Checkout charges monthly transaction fees. If your credit card is no longer valid or has expired, please follow these steps to update your credit card:

  1. Within the Checkout admin, navigate to Account > Stored Credit Card.
  2. Select the pencil icon to edit your credit card.
  3. Enter your credit card information.
  4. Select Save. 



Capturing Payments

Bold Checkout gives you the flexibility to wait to capture payments from your customers. Some regions of the world require you to wait to capture payments until the product is ready to ship.

Enabling delayed payment capture will only authorize your customer's credit cards once they complete their order. From there, you'll need to fulfill the order and capture the payment in your Shopify admin.

To enable delayed payment capture, please navigate to Settings > General Settings within the Bold Checkout app. From here, you should see the option to Set up delayed payment capture.

Payment Authorizations may expire after a certain amount of time. Once they expire, you will not be able to capture payment. Please reach out to your Payment Gateway to get information on how long until a payment expires after authorization.

Deleting Specific Stored Credit Card Information

Since Bold Checkout connects to a payment gateway, it is able to remember your customer's credit card information for future purchases. This only saves if your customers ask the app to do so while they check out with their order.

If you are looking to delete a payment gateway from your Bold Checkout app completely, you will need to also delete all the stored payment information for your customers associated to that gateway.

To delete a customer's store credit card information from Checkout, please follow these steps:

  1. From BigComemrce's admin, select Apps.
  2. Select Bold Checkout, then Customers.
  3. Select the Delete All next to the customers card who you would like to delete, then select OK.

Please see below for more information on how Checkout works with payment processing.



Refunding Orders

Bold Checkout captures your payment directly through a payment gateway. This means that the process of creating refunds for your customer orders would be different than your standard BigCommerce orders.

Refunds will need to be processed directly via the Bold Checkout app. For more information, please visit our article Refund an Order in Bold Checkout to correctly refund your customers for their Bold Checkout orders.



Strong Customer Authentication FAQs

Regulations that have come into effect in Europe as of September 14th, 2019 require some merchants to use Strong Customer Authentication (SCA) for online transactions.

Strong Customer Authentication is a requirement included in the Second Payment Services Directive (PDS2), which is a new European regulatory requirement.

This implementation will be delayed for several countries. Please visit Strong Customer Authentication (SCA) Enforcement Date (links to Stripe) for more information on when and where this will be implemented.

Client Impact

If all the following are true, Strong Customer Authentication regulations will apply to your business:

If your business uses a bank account in the  European Economic Area (EEA). This includes all countries in the European Union plus Norway, Iceland, and Liechtenstein.

You sell to customers with bank accounts in the European Economic Area.

You accept payments from credit or debit cards.

Strong Customer Authentication must be used for any transactions that involves money moving between bank accounts within the European Economic Area.

Actions Required

Your payment gateway provider may require that you enable Strong Customer Authentication on our end. Please contact your respective gateway provider for more information on how to enable this if necessary.

Bold will be working with a few payment gateway providers to implement Strong Customer Authentication automatically. Once implemented, this will prompt customers for additional authentication if required.

Please contact our Merchant Success Team if you are affected by Strong Customer Authentication, and are using a payment gateway that has not had this implemented yet.

Customer Requirements

If the Strong Customer Authentication requirements apply to you, your customers may need to authorize their payments. Your customer's bank will determine how this will be completed.

Please contact our Merchant Success team if you have any further questions regarding this implementation. 



Creating Gift Cards

Bold Checkout uses its own checkout on your store that is connected to a payment gateway. This means that BigCommerce Gift Cards are unable to be accepted by your customer using our checkout.

To ensure that your customers still have access to the gift card feature, you are able to create them directly through Bold Checkout. This also includes the ability to fully customize your emails that are associated with providing gift cards to your store's customers. 

For more information, visit our article on Using Gift Cards with Bold Checkout.



Payment Gateways

Bold Checkout integrates with many different payment gateways to ensure that you are able to find one that can properly support your store. Each payment gateway is able to offer a unique suite of features such as anti-fraud and additional financial reporting analytics.

For more information on each Integration, and finding the best Payment Gateway that will work for you; Please visit our article on Connecting a Payment Gateway to Bold Checkout.

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