Magento 支付插件
Cardflo 提供專用的 Magento 支付插件，簡化企業商戶的交易處理。 此插件將 Cardflo 的支付編排功能直接集成到 Magento 平台中，提供高級路由、拒付恢復和全面的支付方式支持。
商戶可以在其 Magento 環境中優化其支付操作。
- 類別
- 外掛
- 功能數
- 10
- 適用於
- 所有方案
概覽
A Magento payments plugin serves as the critical interface between an e-commerce storefront and the underlying financial infrastructure, including gateways, acquirers, and processors.
By integrating directly with the Magento 2 framework, these modules facilitate the transmission of payment data from the checkout environment to the relevant authorisation endpoints.
Beyond simple transaction processing, enterprise level extensions manage the complex logic associated with payment orchestration, such as multi-acquirer routing and automated decline recovery. This layer of the stack handles sensitive data via tokenisation, ensuring that primary account numbers do not reside on the merchant server.
The plugin also synchronises transaction statuses, such as authorisation, capture, and settlement, with Magento's internal order management system.
This ensures that treasury and accounting teams have a singular view of financial data, reducing the need for manual reconciliation across disparate merchant IDs or payment service provider dashboards.
運作方式
Initialisation and Secure Capture
When a customer initiates a transaction, the plugin invokes a secure field or hosted component to collect card details. This process keeps the merchant environment out of PCI scope by ensuring sensitive data is transmitted directly to a secure vault.
The system generates a temporary token representing the cardholder information for subsequent processing steps.
Dynamic Routing Logic
The plugin evaluates the transaction parameters, such as currency, country, and Merchant Category Code, against predefined business rules. It identifies the most appropriate acquirer to receive the authorisation request.
This stage aims to minimise interchange costs and maximise the probability of successful authorisation through specialised routing across different BIN ranges.
SCA and 3DS Execution
If the transaction falls under PSD2 requirements, the plugin triggers Strong Customer Authentication. It communicates with the issuer to facilitate 3DS challenges where necessary.
By managing these protocols natively within the Magento checkout flow, the plugin helps satisfy regulatory compliance whilst attempting to maintain a friction-free experience for the end user.
Authorisation and Order Management
The plugin receives the response from the acquirer, detailing whether the transaction is approved or declined with a specific reason code. If approved, the plugin updates the Magento order status and triggers the capture process.
In the event of a soft decline, it may initiate a retry via a secondary acquirer.
為何重要
Operational Resilience Through Redundancy
Relying on a single payment service provider introduces a central point of failure. A robust Magento plugin allows for multi-acquirer connectivity, ensuring that if one gateway experiences downtime or high decline rates, traffic can be diverted immediately to an alternative route.
This redundancy is essential for high-volume enterprise merchants who prioritise uptime and consistent settlement cycles, protecting the business from technical disruptions in the payment chain.
Technical Debt Reduction
Maintaining custom API integrations for multiple payment methods and acquirers is resource intensive. An integrated plugin centralises these connections within the Magento admin panel.
This standardisation facilitates easier updates for compliance mandates like PCI-DSS and PSD3. By utilising a modular plugin, businesses can reduce the engineering hours spent on payments maintenance, allowing technical teams to focus on core e-commerce functionalities and front-end development.
應用案例
Cross-Border Enterprise Merchants
Large-scale retailers selling in multiple jurisdictions use the plugin to route transactions to local acquirers. This helps in reducing cross-border fees and improving authorisation rates by treating payments as domestic transactions rather than international ones.
Subscription and Recurring Billing
Merchants utilising Magento for subscription models use the plugin to handle Merchant Initiated Transactions. It manages stored tokens and account updater services to ensure that renewals continue uninterrupted even when physical cards are replaced by issuers.
B2B Wholesale Platforms
B2B entities often require specific workflow support, such as delayed capture or partial shipments. The plugin allows for authorisation at the point of order, with the final capture triggered only when the goods are dispatched from the warehouse.
數據概覽
Typical uplift observed by merchants moving from a single acquirer setup to an orchestrated plugin with smart routing, though results vary by sector.
Estimated reduction in administrative and technical hours when moving from direct API handling to a tokenised plugin environment using hosted components.
Industry standard for plugin-side processing time, ensuring that the additional orchestration logic does not negatively impact the consumer's time-to-payment.
相關術語
Talk to our team about a live rollout on your acquiring stack.
What you get with Magento 支付插件
- 與 Magento 2 直接集成，實現無縫操作
- 優化多個收單行的支付路由
- 增強 PCI 合規性的安全功能
- 支持全球支付方式和貨幣
- Magento 管理面板中的詳細交易報告
- 可自定義的結帳體驗，以提高轉換率
- Real-time synchronisation of transaction data and refund statuses directly into the Magento order management panel.
- Built-in fraud screening integration allows for the analysis of risk signals before the authorisation request.
- Multi-currency settlement support enables merchants to manage different regional accounts through a single plugin interface.
- Advanced reporting tools provide granular visibility into interchange fees and scheme fees for better margin analysis.
A short scoping call, then a written plan for your MIDs.
Questions about Magento 支付插件
Magento 插件是否與 Magento 1 和 Magento 2 兼容？
Cardflo 主要專注於 Magento 2 兼容性，確保商戶受益於最新的平台功能和安全更新。 雖然 Magento 1 是一個較舊的平台，但我們可以針對現有商戶的具體集成需求逐案討論。
Magento 插件如何處理國際支付？
Magento 插件通過支持各種貨幣和本地支付方式來促進國際支付。 它利用 Cardflo 的全球收單網絡有效地處理不同地區的交易，擴大您的市場範圍。
Magento 插件提供什麼級別的自定義？
Magento 插件為結帳體驗提供了重要的自定義選項。 商戶可以自定義支付表單並集成特定的品牌元素，確保一致的用戶旅程並提高客戶信任和轉換率。
How does the plugin manage soft declines during the checkout process?
When an issuer returns a soft decline, often due to temporary technical issues or specific risk triggers, a sophisticated plugin can initiate an immediate retry. This may involve re-routing the transaction through a different acquirer or prompting the user for additional authentication via 3DS.
By managing these retries programmatically, the plugin helps recover sales that would otherwise be lost to checkout abandonment, thereby improving the overall authorisation rate.
Does the plugin support recurring payments and stored credentials?
Yes, many plugins support the storage of payment tokens for future transactions, known as Merchant Initiated Transactions (MIT). These tokens are stored securely in a vault.
The plugin manages the specific flags required by card schemes to indicate that a transaction is a subsequent payment in a sequence. This is essential for subscription models, allowing the merchant to bill the customer automatically without requiring them to re-enter their card details.
Can I use the plugin to offer Alternative Payment Methods like digital wallets?
Magento plugins for orchestration platforms are typically designed to support a wide range of Alternative Payment Methods (APMs). This includes digital wallets such as Apple Pay and Google Pay, as well as local bank transfer schemes and Buy Now Pay Later options.
The plugin manages the specific redirection and callback logic required for these different methods, presenting them as unified options within the Magento checkout interface.