Setting up your Payment Gateway: USA (Fullsteam Payments + Optional Stripe)

Located in the United States? Here is how to set up your Payment Gateway.

In this article:

• Set Up Fullsteam Payments
• Set Up Stripe Account (Optional)
• Enabling Apple Pay
• Gateway Fees & Deposits
• Payment Devices & Hardware
• FAQs

Additional resources:

• Steps to Migrate to Fullsteam Payments
• Cancelling your Current Payment Gateway

 

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Setup Process Overview

1. Sign Up for Fullsteam Payments: The Commerce7 Onboarding team will reach out to you via email with questions and once answered connect you with our Payments team at Fullsteam (1 day).
2. Application submission: Receive your merchant application from our Payments team the following day - application can be completed within 15 minutes. 
3. Application review: Fullsteam reviews your application (3-5 business days). 
4. Approval & activation: Commerce7 Onboarding team will reach out once your account has been approved and activated.
5. Add optional Stripe account for modern payments options: Once Fullsteam Payments is activated, then you can set up your Stripe account to offer quick wallets on your website and more.
   
   

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Fill Out the Fullsteam Payments Form

Important: The person filling out this form should be a person who has access to banking and corporate information. All Payment Gateway communication from our Onboarding team and the Underwriting team will go to this individual. This person will also need to have "Admin Owner" level permissions inside of Commerce7 to be able to access apyment settings. 

1. Click on Settings and choose the Payments section
   
2. Click the Sign Up button
   
3. Complete the form
   
   • If you don't know the answer to the EMV Device questions, choose 'No'.
   • Click the Signup for Fullsteam Payments button to complete the process. 
   • The person logged-in while filling out this form will receive further instructions once this form is received.
     

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Set Up Stripe Account (Optional)

Set up an optional Stripe account to accept additional modern payments solutions like Apple Pay & Google Pay.

Note: Our EMV devices support 'mobile wallets', which are secure apps on your phone that store payment details. When using this option for a POS transaction, Customers can easily tap their Apple Pay or Google Pay wallet on their device to complete the payment.

1. Go to Settings > Payments. You will see the "Stripe" settings appear after you have filled out the Commerce7 Payments form from the steps above.
2. If you don't yet have a Stripe account:
   1. Click the Create Stripe Account button and follow the prompts. Click here for detailed instructions.
      
      

3. If you already have a Stripe account:

   1. Click the Activate button and enter your account details.

Enabling Apple Pay for your Website

Once you have signed up and activated your Stripe account from the steps above, you can now enabled Apple Pay for your website. 

1. Under Settings > Payments > Stripe, click the domain associate file link to download a file. This is a file you need to add to your website to prove to Apple you own the domain and content.
2. Work with your designer to upload the file to your website at /.well-known/apple-developer-merchantid-domain-association
   1. Create a folder in the root for /.well-known
   2. Upload the file that was downloaded
3. Then return to Commerce7 and click Register.

Tips:

• You can register your live website URL, and if you have a staging website you can register that URL at the same time for testing ApplePay.
• Registration can take 3 to 24 hours and this status does not display in Commerce7.
• Ensure you use Safari web browser to test Apple Pay as it only works in Safari.
• Security, permissions, and access levels when connecting your Stripe account to a third-party platform

 

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Gateway Fees & Deposits

Fullsteam Payments

Fullsteam Payments will offer competitive, negotiable rates for all transactions that take place through our in-house gateway for our US clients. If you would like to switch to Fullsteam Payments check out Switching to Fullsteam Payments.

Fullsteam Payments vs Stripe Deposits
Wineries can expect to see two different deposits going into bank accounts. Since Stripe will be handling payments such as Apple and Google pay they will be deposited separately from rest of transactions that are done through Fullsteam Payments.

Stripe deposits will have fees debited from account after they have been deposited into account.

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Payment Devices & Hardware

All devices must be purchased through Commerce7. This is important as devices are set up with a specific key and won't work if used from other payment gateways.

1. IMPORTANT!  Review the Return and Exchanges terms here.
2. Once you have reviewed the Returns and Exchanges terms, please Fill out this form. Once submitted, the C7 team will place your order for you.

* Prices to not include shipping fees.

Available Devices

	tDynamo	Move5000	Lane 3000	PAX A920Pro
Region	US	US	US	US
Processor	Fullsteam Payments	Fullsteam Payments	Fullsteam Payments	Fullsteam Payments
Add Tips on Device	No	Yes	Yes	Yes
Operating System	iOS and Android connect via wireless Bluetooth. No MacOS.	iOS or Android or Windows or macOS	iOS or Android or Windows or macOS	iOS or Android or Windows or macOS
Screen & key pad on device	No	Yes	Yes	Yes
Integrated thermal printer	No	Yes	No	Yes
Mobile Payments	Yes	Yes	Yes	Yes
Lease Price	$14.99 / month (includes the monthly software fee + has lifetime warranty)	$18.99 / month (includes the monthly software fee + has lifetime warranty)	$14.99 / month (includes the monthly software fee + has lifetime warranty)	$22.99 / month (includes the monthly software fee + has lifetime warranty)
Purchase Price	$323 + $3.99 monthly software fee each (one year warranty)	$723 + $3.99 monthly software fee for each (one year warranty)	$473 + $3.99 monthly software fee for each (one year warranty)	$773 + $3.99 monthly software fee for each (one year warranty)
Available Accessories	Protective Otterbox Learn more here.	N/A	N/A	N/A
Accept GooglePay and ApplePay	Yes	Yes	Yes	Yes
Tap Swipe Insert Functionality	Yes	Yes	Yes	Yes
Connection via   (Wired vs. Wireless)	iOS and Android connect via wireless Bluetooth.	WiFi (Wireless)	Ethernet (Wired)	WiFi (Wireless)
Use-case Scenarios	You have tablet(s) and would like to walk around with the device and take payments tableside. (Note: Best practice is to have one tDynamo per one device).	You want a wireless option that you can bring to the Customer tableside, but still have the tip window on the device. (You can have multiples of these devices and send transactions from any POS device to any of the EMV devices).	You have a set register with ethernet connectivity nearby.	You want a wireless option that you can bring to the Customer tableside, but still have the tip window on the device. (You can have multiples of these devices and send transactions from any POS device to any of the EMV devices).
Detailed Pages for each Option	Click for more: tDynamo	Click for more: Move 5000	Click for more: Lane 3000	Click for more: PAX 8920Pro
Detailed Setup Instructions	Setup Steps: tDynamo	Setup Steps: Move 5000	Setup Steps: Lane 3000	Setup Steps PAX 8920Pro

Other POS Hardware

Please note that Commerce7 does not provide customer support for external hardware.

• Receipt Printer: Learn about it here
• Barcode Scanner: Learn about it here
• Automated Cash Drawer: Learn about it here

Returns/Exchanges/Replacements of Hardware

Purchased Hardware

Purchases have a one year warranty (detailed below):

• Provider gives a one (1) year warranty, starting on the date of shipment, that the Hardware will be free from errors in workmanship - or defects in materials. (Please refer to sub-merchant agreement for specifications on approved causes for terminal replacements)
• If the Merchant returns Hardware which it bought from Provider
  within forty-five (45) days of purchase in original condition and never used or opened, provider will credit the Merchant the purchase price less a restocking fee of $150 per device.
• Provider cannot accept Hardware for credit after 45 days of the date of shipment to the Merchant or if the device packaging has been opened.
• Can the Merchant swap a purchased device for different one?  No. Instead, the Merchant would return the existing device (provided that the return follows the rules above) - and then order a different device.

Leased Hardware

• Initial Leases are for (1) year and renew 90 days before the end of the lease period on an annual basis. Ex. Lease begins January 1st 2023, you must notify provider by October 1st 2023 that you wish to terminate the lease agreement (90 days notice). 
• If a Merchant requests new hardware (outside of inoperability/warranty), a new lease or purchase agreement must be entered.

• If a Merchant wishes to end an existing lease, they must provide notification 90 days prior to the end of the existing lease to prevent any further fees. At that point, they may enter a new processing/lease agreement.
• Leased devices have a lifetime warranty. 
• Can the Merchant swap a leased device for different one? No. Instead, the Merchant would be charged the remainder of the existing lease - and a new lease agreement would be entered into for a different device.

 

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FAQs

• Can we still use V1 once updated to Fullsteam Payments? Or must we update to V2? With Fullsteam Payments (which is Stripe) you can still use V1.

• Is Fullsteam Payments something different? Is it a payment gateway ?
  Fullsteam Payments is a gateway and processor package. The gateway is Stripe and the processor is in-house built. US clients have to be on Fullsteam Payments to get v2 front end to use all of its benefits.
• What specific features will we be missing if we don't do the migration?
  All the new features will be built to work with V2, plus all new customer facing features announced at C7 Innovate (here is a link to documentation outlining the new front-end features - https://documentation.commerce7.com/innovate-2021)
• Can the migration to the new version be done without changing payment processors--and if so, what features will we be missing?
  Switching to Fullsteam Payments is a requirement to switch to V2. Unfortunately, CardConnect didn't meet the technical requirements for a V2 integration.
• I have just recently switched to Poynt/Card Connect, what options do I have now?Please reach out to us so we can discuss options. We are willing to work with any winery that finds themselves in this position. Send your concerns to support@commerce7.com
• What info is captured when a card is tapped with Fullsteam Payments?
  If a Customer is appended to the Order prior to charging - and they tap a card - we tokenize that card - and we save that token on file to the Customer's account.
  If a Customer is not appended to the Order prior to charging - (in other words, a Guest Order) - and they tap a card - we don’t save that token.
  Note that on the Order Complete screen, we show their first/last name pre-filled in the email field. This makes it slightly easier to get the Customer's information if the staff member collects an email address post-charge. Once that email is captured, then that email becomes a Customer record. No token is saved since the the creation of the Customer occurred after the card was charged.
• Why are the network/terminal/CG fees not deducted with the rest of my fees this month and when can I expect them? Fullsteam continues to streamline our billing process to align with our clients’ requests for 1st of the month billing - due to the lack of these fees being available for accurate billing, we are pushing these to the next month.
• Why are we billed a month later for the additional fees when the transaction fees are at the beginning of the month? Network/terminal/Gift Cards fees are not currently available for accurately billing our clients on the 1st of the month. To continue to process one debit for billing we will move these out a month. (They are minimal amounts).
• How can I calculate (estimate) these fees for my month end closing?
  • Network Fees: should be around .15% -.30% based on monthly volume/transaction size/card entry method and card brand mix
  • Terminal Lease fees: should not change from month to month unless new equipment is leased or returned
  • Gift Card: 
    • Unlimited plans refer to the clients pricing plan for monthly fee
    • Per transaction fee – refer to your client pricing plan - “Transaction summary Report” within merchant track will provide monthly counts for Gift card volumes
• Why does the statement show two different months’ worth of fees (example: January will show a combination of December processing fees and November other fees)?
  • 1st of the month processing fees
  • Network/Terminal/Gift Card Fees