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Go beyond retention

Is your customer retention program really getting results?

Most organizations recognize the importance of customer retention. But too many are wasting their time on ineffective attempts to retain customers. In fact, 76% of customers surveyed by Accenture in 2014 wasted more than half their retention budget on strategies that didn't pan out.

Try new tactics that are proven to work

Fortunately, you can put an end to wasted efforts and start seeing results. In this whitepaper, we share proven ways to engage existing customers so they not only stick with your solution but also expand their usage and loyalty. These new approaches will boost the bottom line and can even turn your customers into your biggest promoters.

What you'll learn

Download this whitepaper and start increasing customer retention by:

  • Better understanding what your customers really want
  • Increasing the dollar value of existing customer relationships
  • Engaging current customers with special offers and custom options
  • Turning your customers into dedicated ambassadors of your solution

Who can benefit

Any marketing or sales professional can use this resource to find new ways to keep customers coming back for more - and spreading the word about your products and services.

Download now to start seeing your retention numbers skyrocket

retention.png

 

Tax regulations

Overview

As your dedicated provider of commerce services, it is 2Checkout's responsibility to stay up to date on worldwide financial and legal requirements to make sure you benefit from a seamless and fully compliant international buying and selling experience. 

 

European VAT rates

European Union countries

Country Taxable products/services Transaction type VAT rate Applicability (based on merchant location)
Austria All B2C  20% All merchants
Belgium All B2C  21% All merchants
Bulgaria All B2C  20% All merchants
Croatia All B2C  25% All merchants
Cyprus All B2C  19% All merchants
Czech Republic All B2C  21% All merchants
Denmark All B2C  25% All merchants
Estonia All B2C  22% All merchants
Finland All B2C  25.5% All merchants
France All B2C  20% All merchants
Germany All B2C  19% All merchants
Greece All B2C  24% All merchants
Hungary All B2C  27% All merchants
Ireland All B2C  23% All merchants
Italy All B2C  22% All merchants
Latvia All B2C  21% All merchants
Lithuania All B2C  21% All merchants
Luxembourg All B2C  17% All merchants
Malta All B2C  18% All merchants
Netherlands All B2C and B2B* 21% All merchants
Poland All B2C  23% All merchants
Portugal All B2C  23% All merchants
Romania All B2C  19% All merchants
Slovakia All B2C  20% All merchants
Slovenia All B2C  22% All merchants
Spain All B2C  21% All merchants
Sweden All B2C  25% All merchants
United Kingdom** All B2C  20% All merchants

*Verifone Payments BV dba 2Checkout is registered in the Netherlands, impacting the VAT calculations for B2B transactions.

** Post Brexit, we will start collecting VAT through our newly registered UK ID. Till then we continue to collect VAT from the UK via our VAT ID in the Netherlands.

VAT exemption

VAT-registered business customers based in the European Union can pay for their orders while being charged according to the VAT ID they provide. VAT ID support is available for all 2Checkout purchase flows, including Express PayPal Checkout.

Non-European Union countries

Sales made by Verifone Payments BV dba 2Checkout to customers in Iceland, Norway, and Switzerland are subject to each country’s VAT rate. Non-EU companies providing electronic services to customers in multiple EU countries are encouraged to use MOSS (Mini One-Stop-Shop) to collect and distribute VAT more efficiently.

Country Taxable products/services Transaction type VAT rate Applicability (based on merchant location)
Iceland All B2C 24% All merchants
Georgia All B2C 18% All merchants
Moldova All B2C 20% All merchants
Norway All B2C and B2B* 25% All merchants
Russia All B2C and B2B 20% All merchants
Serbia  All

B2C

B2B**

20%

25%

All merchants
Switzerland All B2C and B2B 8.1% All merchants
Turkey All B2C and B2B 20% All merchants
Ukraine All B2C 20% All merchants

* Norwegian companies with valid TAX IDs are tax-exempt.

** Serbian companies are charged 5% for the withholding tax, in addition to the 20% standard tax rate.

Non-European countries

Country Taxable products/services Transaction type Tax rate Applicability (based on merchant location)
Australia All B2C and B2B** 10% All merchants
Bahrain All B2C  10% All merchants
Belarus All B2C  20% All merchants
Chile All B2C 19% All merchants
Colombia All B2C 19% All merchants
Egypt All B2C 14% All merchants
Ghana All B2C and B2B 21.9% All merchants
India All B2C and B2B* 18% All merchants
Japan All B2C and B2B 10% All merchants
Kenya All B2B and B2C 16% All merchants
Malaysia All B2B and B2C 8% All merchants
New Zealand All B2C and B2B** 15% All merchants
Oman All B2C and B2B* 5% All merchants
Saudi Arabia All B2C and B2B 15% All merchants
Singapore All B2C  and B2B** 9% All merchants
South Africa All  B2C and B2B 15% All merchants
South Korea All B2C 10% All merchants 
Taiwan All B2C  5% Foreign merchants
Tanzania All B2C 18% All merchants
Thailand All B2C 7% All merchants
Uganda All B2C 18% All merchants
United Arab Emirates All B2C and B2B 5% All merchants
Vietnam All B2C 5% All merchants
Zambia All B2C 16% All merchants

* Indian companies that provide GSTIN are tax-exempt. No VAT is applicable if a valid VAT ID from Oman is provided.

** Australian, New Zealand, Canadian (Quebec only), and Singapore companies that provide a valid VAT/GST ID are tax-exempt. If a valid VAT/GST ID is not provided, the invoice will be issued with Sales tax. For Singapore and New Zealand, 2Checkout is not required to validate the VAT-ID documents provided by shoppers.

Taxes in Argentina

Argentina has made recent changes to its tax laws which impact purchases by Argentine shoppers. Merchants should be aware of these tax costs so they can adjust pricing (if they so choose) or at least be aware of the competitive landscape of selling in Argentina.

Argentina places the responsibility for applying VAT and other taxes on banks and credit card processors and not on selling merchants. Therefore, 2Checkout will not issue invoices showing tax collected from Argentine shoppers. Instead, the Argentine shoppers' bank will apply an appropriate tax levy on top of 2Checkout charges for merchandise purchased. The bank then remits the tax to the Argentine Tax Authority.

On September 16, 2020, Argentina passed a new tax measure that applies an additional 35% tax on top of existing VAT and other taxes. As such, an item purchased for ARS 100 will ultimately cost the shopper ARS 164.

Canada GST/PST Tax

State Tax type Taxable products/services Transaction type Tax rate Applicability (based on merchant location)
Quebec QST All B2C 9.975% All merchants
Quebec GST All B2C 5% All merchants
British Columbia PST All B2C and B2B 7% All merchants
British Columbia GST All B2C 5% All merchants
Saskatchewan PST All B2C 6% All merchants
Saskatchewan GST All B2C  5% All merchants
Alberta GST All B2C  5% All merchants
Ontario HST All B2C 13% All merchants
Manitoba PST All B2C  7% All merchants
Manitoba GST All B2C 5% All merchants
Nova-Scotia HST All B2C 15% All merchants
New-Brunswick HST All B2C 15% All merchants
Newfoundland HST All B2C 15% All merchants
Prince-Edward-Island HST All B2C 15% All merchants
Northwest Territories GST All B2C 5% All merchants
Nunavut GST All B2C 5% All merchants
Yukon GST All B2C 5% All merchants

US Sales Tax

Verifone Payments BV dba 2Checkout collects sales tax for a number of US states, however, the tax rate varies depending on the address of the shopper.

State Order 
Alabama

YES

(for the full value of the order)

Arizona

YES

(for the full value of the order)

Arkansas NO
California NO
Colorado NO
Connecticut

YES

(for the full value of the order)

Florida NO
Georgia NO
Hawaii

YES

(for the full value of the order)

Idaho NO
Illinois

YES

(for the full value of the order)

Indiana 

YES

(for the full value of the order)

Iowa

YES

(for the full value of the order)

Kansas

YES

(for the full value of the order)

Kentucky

YES

(for the full value of the order)

Louisiana

YES

(for the full value of the order)

Maine

YES

(for the full value of the order)

Maryland

YES

(for the full value of the order)

Massachusetts

YES

(for the full value of the order)

Michigan

YES

(for the full value of the order)

Minnesota

YES

(for the full value of the order)

Mississippi

YES

(for the full value of the order)

Nebraska

YES

(for the full value of the order)

Nevada NO
New Jersey

YES

(for the full value of the order)

New Mexico

YES

(for the full value of the order)

New York

YES

(for the full value of the order)

North Carolina

YES

(for the full value of the order)

North Dakota

YES

(for the full value of the order)

Ohio

YES

(for the full value of the order)

Oklahoma NO
Pennsylvania

YES

(for the full value of the order)

Puerto Rico

YES

(for the full value of the order)

Rhode Island

YES

(for the full value of the order)

South Carolina NO
South Dakota

YES

(for the full value of the order)

Tennessee

YES

(for the full value of the order)

Texas*

YES

(for the full value of the order)

Utah

YES

(for the full value of the order)

Vermont

YES

(for the full value of the order)

Virginia NO
Washington

YES

(for the full value of the order)

Washington D.C.

YES

(for the full value of the order)

West Virginia

YES

(for the full value of the order)

Wisconsin

YES

(for the full value of the order)

Wyoming

YES

(for the full value of the order)

*A flat sales tax rate of 8% is applied to all transactions in Texas.

Frequently Asked Questions

  • It appears that the place of supply is calculated differently for phone consulting and software. Do I have to tell you what kind of service I am selling when I bill someone?
    • Yes, you should provide an accurate description of your products in the Order Form/Contract so that we can represent them correctly when we resell them.
  • How does 2Checkout calculate the VAT/sales tax value for all orders?
    • 2Checkout calculates the VAT/sales tax value based on the delivery address details provided by the customer in the shopping cart.

Analytics miniBible

While the battle for conversions never ends, you need an update to your weapons and strategy from time to time. This updated eBook provides advanced step-by-step guidance on how to be in control of Google Analytics for high-performance analysis of your users. So you can always have a clear image of your strengths and weaknesses.

You will learn:

  • How you can take advantage of the new asynchronous tracking code from Google Analytics
  • Which pages on your website bring the most conversions
  • How many trial users are actually buying your software
  • What is the abandonment rate within your shopping cart
  • Who is your best partner? Is it Google or a blogger?
analytics minibible.png

 

API Requests

Overview

Perform easy account management via API Requests. The 2Checkout API portfolio contains extended capabilities that can help you automate processes as: creating products or promotions, placing orders (both with catalog and dynamic product information), issuing refunds, retrieving the shipping price for an order, handling subscriptions and many others.

 

 

Integrate Magento 2

Overview

Magento is an open-source PHP-based eCommerce platform that offers merchants a high degree of flexibility and control over the user experience, catalog, content, and functionality of their online store. You can integrate your Magento 2 web store with 2Checkout by following the steps in this guide.

The new Magento connector will enable merchants to process orders with ConvertPlus, InLine Cart, and 2Pay.js.

Availability

Magento 2 integration is available only for 2Checkout accounts that handle their own tax and invoice management (2Sell and 2Subscribe accounts).

Merchants using the Magento connector built on the legacy 2Chechout hosted cart will be able to upgrade to the new Magento connector as well.

Magento Settings

Follow these steps to integrate Magento 2 connector:

  1. Download the 2Checkout Payment module from Github and click on the Releases tab to find the latest release.
    magento step 1.png
  2. You can also download the connector directly from the Master branch, as it always reflects the latest release.
  3. Upload the files to your server, to your instance of Magento 2. Each file must be uploaded to the correct directory.
    magento2_branch.jpg
  4. Sign in to your Magento 2 administration panel and navigate to System → Cache management.
    magento 2 integration_2.png
  5. On the Cache management page, click on the Flush Magento Cache button.
    magento 2 integration_3.png
  6. Go back to the System tab and select Index Management.
    magento 2 integration_4.png
  7. On the Index Management page, select the Update on save option and click on the Submit button to re-index all templates.
    magento 2 integration_5.png
  8. In the Magento admin panel, go to Stores → Configuration.
    magento 2 integration_6.png
  9. Under Configuration, click on the Sales tab and scroll down to Payment methods.
    magento 2 integration_7.png
  10. Under Payment methods, you will see 2checkout Hosted and 2checkout Payment API.

    • Select 2Checkout hosted to use the ConvertPlus or InLine shopping carts.
    • Select 2Checkout Payment API to use 2Pay.js.

    magento 2 integration_8.png

  11. After selecting your payment methods configuration, input your:

    • Merchant Code in the field 2Checkout Merchant Id
    • Buy-Link Secret Word in the field Buy link secret word
    • Secret Key in the field Secret key

    from the 2Checkout Merchant Control Panel.
    magento 2 integration_9.png

  12. Select your settings for the 2Checkout hosted option and click on Save Config to save your settings. For the Use Inline Checkout field select No, if you want to use ConvertPlus as your default shopping cart.
    magento 2 integration_10.png
  13. Select your settings for the 2Checkout Payment API option and click on Save Config to save your settings.
    magento 2 integration_11.png
    The Test Mode dropdown enables or disables the demo mode. If it’s set to Yes, then any placed order is for demonstration purposes only and has no impact on the store.

    • The Merchant ID field is your Merchant Code which can be found in your 2Checkout Merchant Control Panel, under Integrations → Webhooks & API.
    • The Secret key field is your Secret Key which can also be found in your 2Checkout Merchant Control Panel, under Integrations → Webhooks & API.
    • The Secret Word field is the Buy-Link Secret Word which can be found in your 2Checkout Merchant Control Panel, under Integrations → Webhooks & API.
    • The Use Inline Checkout dropdown determines if the InLine mode or the ConvertPlus mode is used. Setting the Use InLine Checkout option to No enables the ConvertPlus mode.
    • The New Order Status sets the default status of the order when it’s created. We do recommend that you leave it as Processing. Unless you have a very good reason to set it to any other status.
    • The Invoice Before Fraud Review dropdown issues an invoice before 2Checkout does a fraud review on the order.
    • The Invoice After Fraud Review dropdown issues an invoice after 2Checkout does a fraud review.
    We recommend you to have  the “Invoice Before Fraud Review”  option set to “No” and  the “Invoice After Fraud Review”  option set to “Yes”. Unless you have a good reason to issue the invoice before the fraud review.
    • The Invoice On Capture field issues an invoice on capturing a transaction.
    Both “2checkout Hosted” and “2checkout Payment API”  options must be configured. Usually, they have the same settings, but variations are possible.

2Checkout Settings

  1. Sign in to your 2Checkout Merchant Control Panel account.
  2. Navigate to Dashboard → Integrations → Webhooks & API section.
    Webhooks & API section
  3. Locate the Merchant Code, Secret key, and the Buy-link Secret Word to be used in the Magento 2 administration panel.
  4. Under Integrations, click on the IPN Settings tab.
    IPN Settings
  5. Set the IPN URL which should be: https://your-site-name.com/tco/ipn/notifications/ and select the SHA 2 / SHA 3 hash.
    Example of IPN URL: http://example.com/tco/ipn/notification/.
  6. Enable all Response tags and the Triggers in the IPN section. Those who are not required will simply not be used.

About Magento

Magento is a feature-rich, open-source, enterprise-class eCommerce solution that offers merchants a high degree of flexibility and control over the user experience, catalog, content, and functionality of their online store. In August 2011, Magento was acquired by eBay Inc. In May 2018 it was announced that Magento would be acquired by Adobe for $1.68bn with a view to integrating it into Adobe Experience Cloud, its Enterprise CMS platform. The transaction is expected to complete between June and August of 2018, Q3 of Adobe's fiscal year.

Launched in 2007, the Magento platform now serves tens of thousands of merchants worldwide and is supported by a global community of solution partners and third-party developers. Magento Go is a hosted, software-as-a-service solution that provides small and growing merchants with the eCommerce tools they need to succeed online. Based in Los Angeles, Magento, Inc. is a fast-paced, entrepreneurial organization dedicated to the mission of enabling the eCommerce ecosystem.

Authentication

Overview

Use the login method for the authentication process in the 2Checkout system.

Parameters

Parameters Type/Description
merchantCode Required (String)
  Your merchant identification code.
date Required (String)
  GMT ISO Date format (e.g. 2010-01-01 12:13:14)
hash Required (Object)
  Calculated HMAC_SHA256 signature based on merchantCode and date, using your secret key.

Request

To create the HMAC_SHA256 source string use your merchant code and the date of the request, prefixing them with the length in bytes of each respective value, along with your account’s secret key (for UTF-8 characters the length in bytes might be longer than the string length). For example:

Parameters

Type/Description

MerchantCode

Your merchant account code.

 

8AVANGATE

 

Date

2010-05-13 12:12:12

 

192010-05-13 12:12:12

 

HMAC source string

8AVANGATE192010-05-13 12:12:12

 

Secret key

SECRET_KEY

Calculated HMAC_SHA256 signature based on MerchantCode and Date, using your secret key:

bf763db7d333e9c3038698cf59ada3e6

 

<?php

$host   = "https://api.2checkout.com";

$merchantCode = "YOURCODE123";
//your account's merchant code available in the 'System settings' area of the cPanel:
//https://secure.2checkout.com/cpanel/account_settings.php

$key          = "SECRET_KEY";
//your account's secret key available in the 'System settings' area of the cPanel:
//https://secure.2checkout.com/cpanel/account_settings.php

$now          = gmdate('Y-m-d H:i:s'); //GMT date format)
$algo = "sha256";
$string = strlen($merchantCode) . $merchantCode . strlen($now) . $now;
$hash = hash_hmac($algo, $string, $key);

try {
    $client = new SoapClient($host . "/soap/6.0/?wsdl", array(
        'location' => $host . "/soap/6.0/",
        "stream_context" => stream_context_create(array(
            'ssl' => array(
                'verify_peer' => false,
                'verify_peer_name' => false
            )
        ))
    ));
    $sessionID = $client->login($merchantCode, $now, $hash, $algo);
    echo("Auth token: {$sessionID}" . PHP_EOL);
}
catch (SoapFault $e) {
    echo "Authentication: " . $e->getMessage() . PHP_EOL;
    exit;
} 

Response

Parameters

Type/Description

sessionID

String

 

Session identifier, the output of the Login method. Include sessionID into all your requests. 2Checkout throws an exception if the values are incorrect.

The sessionID expires in 10 minutes.

Go beyond payments

Most payment providers don't do enough for your business

New technologies have made it easier than ever to simply process payments. But not every payment provider includes all the crucial commerce elements required to meet customer needs. In fact, our research shows many companies spend a significant portion of their revenue (more than 11 percent) chasing after core needs that were not included in their payment solution.

Successful online commerce demands more

To build lasting customer relationships, you need a commerce solution that goes beyond payments and includes everything you need to reach customers with appropriate messages for each stage in the purchase lifecycle. In this whitepaper, 2Checkout outlines the key demands of online commerce that most payment providers do not meet, and reveals the combination of commerce, optimization, and distribution that will capture customers' attention.

What you'll learn from this resource

Download this whitepaper now and find out how a complete commerce solution:

  • Goes beyond the efforts of typical payment providers
  • The key elements of commerce that capture customer attention
  • Offers new options for global distribution
  • Supports conversion optimization techniques to boost the bottom line
go-beyond-payments.png

Integrate Zen Cart

Overview

Integrate Zen Cart to be able to process payments through the 2Checkout platform in over 200 countries and more than 100 currencies.

Zen Cart provides a complete package of solutions to different aspects of online business (features like billing, product display, multi-language options, different currencies, etc.)​.

Availability

Before you are able to start accepting payments, you need to request and finalize the activation of your live account by completing a form, and provide information that will help us verify the business and identity of the individuals involved in your business.

Zen Cart integration is available only for 2Checkout accounts that handle their own tax and invoice management (2Sell and 2Subscribe).

Zen Cart Settings

Perform the below set of instructions in your Zen Cart account to integrate it with 2Checkout.

  1. Download the 2Checkout payment module from GitHub.
  2. Upload the files to your server under your store’s directory.
  3. Log in to your Zen Cart admin panel.
  4. Navigate to Modules and click on Payment.
    Integrate_Zen_Cart_1.jpg
  5. On the Payment Modules page, select 2Checkout API, 2Checkout Convert Plus, or 2Checkout InLine and click on Install Module, as shown below.
    Integrate_Zen_Cart_2.jpg
  6. Enter your 2Checkout information:

    • your Seller ID. The Seller ID is your 2Checkout Merchant Code, and you can find it in the 2Checkout Merchant Control Panel, under Integration → Webhooks and API.
    • your Secret Key. You can find it in the 2Checkout Merchant Control Panel, under Integration → Webhooks and API
    • your Secret Word. The Secret Word is your 2Checkout Buy-Link Secret Word and you can find it in the 2Checkout Merchant Control Panel, under Integration → Webhooks and API.

    Integrate_Zen_Cart_3.jpg

  7. Under Test Mode select No for live sales or Yes for test sales.
  8. Click Save Changes.

2Checkout Settings

  1. Log in to your 2Checkout Merchant Control Panel account.
  2. Navigate to Integrations → Webhooks & API section.
    Webhooks & API section
  3. Enable the IPN webhook notification.
    • Go to Integrations → Webhooks & API
    • Scroll down to the Notifications section and
    • Enable the IPN webhook
    • For the Payment notification type field, select IPN or Email Text & IPN, and then click on the Configure IPN button.
    • On the IPN settings page, click on the Add IPN URL button, input the IPN URL available on the configuration page in Zen Cart and select the SHA 2 / SHA 3 hash.
      Add IPN URL
    • Enable all triggers and response tags.

About Zen Cart

Zen Cart is an eCommerce and online store management software. It is PHP-based, using a MySQL database and HTML components, and supports both physical and digital products as well as services.​

Zen Cart truly is the art of e-commerce: free, user-friendly, open-source shopping cart software. The eCommerce website design program is developed by a group of like-minded shop owners, programmers, designers, and consultants that think eCommerce web design could be and should be, done differently.

 

Need help?

Do you have a question? If you didn’t find the answer you are looking for in our documentation, you can contact our Support teams for more information. If you have a technical issue or question, please contact us. We are happy to help.

Not yet a Verifone customer?

We’ll help you choose the right payment solution for your business, wherever you want to sell, in-person or online. Our team of experts will happily discuss your needs.

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