Payment methods – overview and setup
Which payment methods Cmerce supports, where you switch them on, and how you choose whether they are used in the webshop, at the till and for subscriptions.
All payment methods for the webshop, the till and subscriptions are managed from one page in Cmerce. Here you switch each method on and off, choose which channels it is used in, and connect the payment provider. This article gives you the overview – the details for each provider are in separate articles.
Before you start
- You need the «Betalingsmetoder» (Payment methods) permission, found under Settings in your role. The owner always has it.
- You do not need to set up cash for the till. Cash is always available at the till and is not shown on this page.
The payment methods you can choose from
| Payment method | What it is | Channels |
|---|---|---|
| Surfboard | Our recommended payment provider and the main choice for cards. Card, Vipps and Klarna in the webshop, a card terminal at the till, and saved cards for subscriptions. | Webshop and till |
| Stripe | Card payments through your own Stripe account (Stripe Connect). Can be used alongside Surfboard. | Webshop, and the till with a Stripe Terminal reader |
| Vipps | Vipps MobilePay under a direct agreement with your own API keys. This is what gives you Vipps at the till. | Webshop, and the till once Vipps has approved it |
| Vipps Recurring | Recurring Vipps payments – used for subscriptions. | Webshop |
| Manuell betaling (Manual payment) | Payment that happens outside the system, such as a bank transfer. | Webshop and till |
Gift cards and invoicing (credit sales) have their own settings and their own articles.
Card at the till
«Kort» (Card) is always available as a payment method at the till. If the register is connected to a Surfboard payment terminal or a Stripe Terminal reader, the till sends the amount to the terminal. Without a connected terminal, you take the payment on a standalone card terminal and record the card payment in the till afterwards. Either way it appears as «Kort» on the Z-rapport (end-of-day report). See Taking payment: card on a terminal.
How to do it
- Go to «Innstillinger» (Settings) → «Salg og betaling» (Sales and payment) → «Betalingsmetoder» (Payment methods).
- Find the card for the payment method you want to use. If the provider is not connected yet, the card shows «Ikke tilkoblet» (Not connected). Follow the setup in the article for that provider first.
- Switch on the toggle at the top of the card. The text changes from «Deaktivert» (Disabled) to «Aktivert» (Enabled).
- Under «Kanaler:» (Channels), tick «Nettbutikk» (Webshop) and/or «Kasse (POS)» (Till).
- To make a payment method pre-selected, click «☆ Sett standard» (Set as default) next to the channel. There can only be one default per channel – choosing a new one moves the star there.
- Under «Tilgjengelig for:» (Available for), choose whether the method can be used for «Vanlige ordrer» (Regular orders), for «Abonnementer» (Subscriptions), or both. Regular Vipps has no «Abonnementer» option – use Vipps Recurring or Surfboard for that.
Changes are saved immediately, and a short confirmation appears at the top of the screen.
Good to know
- Online payments are reserved first and charged on delivery. When a customer pays in the webshop, the amount is only reserved. The actual charge happens when the goods are delivered – automatically for products set to «Auto-belast» (Auto-capture), typically digital goods, otherwise when you capture the order. Read more in Capturing payment and fulfilling the order.
- At the till the payment is charged straight away, because the customer receives the goods there and then.
- Stripe cannot be switched on until the account is connected. If you try, you get the message «Stripe er ikke tilkoblet» (Stripe is not connected).
- Vipps at the till is not shown until Vipps has approved your sales unit for in-store payments. See Vipps MobilePay.
- Vipps Recurring can only be used in the webshop, and only for subscriptions.
- Every change on this page is logged in the audit trail with who made it.
Frequently asked questions
Can I have several card providers active at the same time?
Yes. In the webshop the customer sees every payment method that is switched on for the channel. Use «Sett standard» to decide which one is pre-selected. At the till, «Kort» uses the terminal connected to that particular register.
Why can't I see cash on the page?
Cash is always available at the till and needs no setup. Cash cannot be used in the webshop.
See also Surfboard – application and activation How to apply for a Surfboard account, follow the application until it is approved, and get Surfboard ready for card at the till and card and Vipps in the webshop.