Buy Now, Pay Later - Payright

Overview

Payright is a Buy Now, Pay Later option that is supported on the Customer Self Service eCommerce Platform (versions 4.24+). Your customers can get their goods now, and pay for them over time in manageable instalments negotiated with Payright.

Configuring Payright for your website is quick and easy, provided you have already established a merchant account with Payright. For further information, visit the Payright website.

Step-by-step guide

1. Enable and configure Payright

1. Before you start, have your Payright account credentials handy.
   
   
2. In the CMS, navigate to Settings → Feature Management → Payment & Checkout. 
   
   
3. Ensure Buy Now, Pay Later is toggled on, then click Configure.
   
   
   
4. In the 'Buy Now, Pay Later' screen, click on the 'Payright' tab.
    
   
   
5. To switch on Payright for your site, toggle on Payright Enabled.
   
   
   

6. In Mode, select 'Sandbox' if you are setting up Payright on your testing site (Stage), or 'Production' for your 'Live' site.
   
   
   
   

7. Payright Activate Plan Immediately allows you to set when the user's Payright plan starts. Ensure the toggle is OFF for the Payright plan to be activated only when the order is shipped. If ON, the plan will be activated immediately after the order is placed. Note - 'OFF' is recommended by Payright. 
   
   

8. Enter your Settings and integration credentials provided by Payright in either 'Production Settings' or 'Sandbox Settings' depending on whether your site is Live or Stage.
   Set the following options: 

   • New Loan URL
   • API Base URL
   • Client ID 
   • Client Secret
   • API User Name
   • API Password
   • Merchant User Name
   • Merchant Password
     
     
9. Once you have finished entered the Settings, click Test Settings. A popup message informs you whether the settings are correct or not. Continue if you see the Success message:
    
   
   
   
10. Once all settings have been configured and tested, scroll back to the top and click Save.
    
    

2. Setting Overrides (optional)

You can override any of the feature settings based on the user's role.

For example, you may wish to display the Payright info box on the Product Detail page for B2C users, but not for B2B. In this case, you could set an override. 

1. Select the 'Overrides' icon next to the setting you want to customise.
   
2.  A popup will open, with your current Global setting displayed at the bottom. Click Add Override Setting in the Role Overrides section. 
   
3. Enter the role name into the lookup and select the role from the options presented. 
   
4. Set the role override value for this setting. 
   
5. Repeat steps 2-4 if you wish to override the global behaviour for other roles. 
   
   
6. Click Confirm to close the window. 
   
   
7. Don't forget to click Save on the feature settings page to save your changes!

3. Configure Display Options

Options about where Payright branding appears on your site and which Payright messages are triggered (depending on minimum and maximum order values set) are configured in the Display Options section of the Payright Settings screen.

1. In Min. Price of Products to Show Content, enter the minimum amount before Payright branding informing the user they can use it as a payment option is displayed:
   
   
   Notice if a product is less than this amount, the Payright branding is accompanied by this message:
    
   
   
2. In Max. Price of Products to Show Content, enter the maximum amount your site allows for Payright payments. If a product is over this amount, the accompanying message is displayed:
   
   
   
3. In Min. Order Total to be Available, enter the minimum amount before your website will allow Payright to be used as payment. If an order is below this amount, the user will see this message when they click on the Payright tab during checkout: 
   
4. In Max. Order Total to be Available, enter the maximum amount your website allows Payright to be used as payment. If an order is above this amount, the user will see this message under the Payright tab during checkout: 
    
   
   
5. In Deposit Percent, enter the percentage of the total order for the deposit to be paid. Note - the deposit amount the customer negotiates with Payright will overwrite this value.
   
   
6. Toggle on Display Content in Product Detail if you want Payright branding to appear on the Product Detail page. 
   
   
7. Toggle on Display Content in order and cart summary if you want Payright branding to display in the order and cart summary (as well as in Cart Hover):
   
   
   
8. To save your settings, click Save or Save & Exit.

4. Customise Payright text in page templates

If you want to customise labels and text for Payright buttons and information throughout your site, go to the relevant widgets in use and click on the Payright Summary and Popup tabs. These tabs are available in the following widgets:

• Checkout Payment Options
• Cart Order Summary Totals
• Product Purchase Details
• Product Payright Summary   

Note - all changes made in one widget will extend to those in the other widgets. 

What your customers will see

When Payright has been configured correctly for your website, Payright branding will be displayed on your site (where depends on display settings) and Payright is offered as a payment option during the checkout process for valid order amounts. If the user selects Payright for payment, the system will connect to the Payright server and return a summary of the Payright loan. At this time, they can click the Pay with Payright button to be taken to Payright to complete the payment. 
    

After payment, the user is redirected to your website's Order Confirmation page. 

Additional Information

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