OwnerRez offers many different payment processing options including the ability to accept credit cards. However, we are not a credit card processor ourselves. Instead, we integrate with dozens of industry-standard processors and gateways, so you're free to pick and choose which processor you want to use, and OwnerRez will connect with it and happily process your guest's credit cards under the covers.
Authorize.Net is one of the many credit card gateways we integrate with. Authorize.Net, as a company and service, was founded in 1996 and is one of the oldest e-commerce credit card gateways available. While the company has changed hands several times over the decades - from Go2Net to InfoSpace to Lightbridge to CyberSource - it is now owned by Visa and continues to offer a fast, solid platform for payment processing that has largely remained the same for more than two decades.
It's important to understand that Authorize.Net is not a processor, strictly speaking, and does not provide merchant accounts on its own. Authorize.Net is strictly used as an "internet gateway" that is layered on top of other bank or processor accounts. Many processors and banks use Authorize.Net to communicate with interchange because it's a known service and been around a long time. Banks would rather use a known service - particularly one that many existing apps and software systems often use - then develop their own integration, so many banks will include an Authorize.Net account.
OwnerRez connects with Authorize.Net via the "API Credentials" model which is the same as most of the processor and gateway options that we integrate with. Like the other processors and gateways, you'll need to login to your Authorize.Net account, find the API credentials and copy them into OwnerRez in order to complete the integration. First, follow our standard instructions of finding the payment method in OwnerRez and then click to connect Authorize.Net option.
Once you've clicked to connect the Authorize.Net payment method in OwnerRez, you will notice that we ask you for a set of two fields, called "API Credentials", at the top of the page:
- Login ID
- Transaction Key
These items are provided to you by Authorize.Net and can be found in the Authorize.Net virtual terminal. Please follow the following instructions exactly.
Login to the Authorize.Net virtual terminal which should be at the following URL:
Once you're in, click on the Account tab on the far right towards the top.
This will take you to the account Settings page. You'll notice Settings is highlighted in the left sidebar menu.
Find and click the "API Credentials & Keys" link under the Security Settings section towards the right and bottom.
This will take you to the API Credentials & Keys page.
In top section of the page, you'll see an "API Login ID" underneath several paragraphs of text. That's the Login ID we ask you for in OwnerRez. Copy that over to the OwnerRez payment method.
Next you need to get the Transaction Key.
On the same Authorize.Net page, there's a section for creating new Transaction Keys. Authorize.Net will not show you previous Transaction Keys. The only way to see a Transaction Key is to create a new one which will expire any old ones you created previously.
To create a new Transaction Key, answer the security question and select to obtain "New Transaction Key". Then click Submit.
A page will load showing the new Transaction Key. This is the key you need to copy into OwnerRez.
Back in OwnerRez, having found and filled in your Login ID and Transaction Key, you're all ready to go. After you finish filling out the rest of the page, click Save at the bottom.
After creating the payment method in OwnerRez, use the Test Credentials button to see if everything validates. This sends a request to Authorize.Net with your API credentials. We check the response that Authorize.Net sends back to see if it looks right.
To really completely test your integration, please do a test transaction using a real credit card. There is no better way of testing your API Credentials then running a real credit card. To do that, create a manual booking, collect a payment using your personal credit and a small amount (say $5). Once it goes through, use the Void & Delete option on the payment to void the credit card payment. Then cancel or delete the booking. That will tell you definitively that everything is good to go.
Authorize.net has its own test mode, where it will reach to OwnerRez card requests and provide responses, but not actually process any charges. OwnerRez has no way of knowing that your Authorize.net account is in this mode. So, if you activate the Authorize.net test mode, OwnerRez will merrily proceed to "charge" your guests, and think it is really collecting money, while in fact no charges are made and nothing is collected. Make sure to confirm that your Authorize.net account is not in test mode except when you are actually testing it!