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Authorize.net Configuration

Authorize.net Configuration

After connecting your Authorize.net account, there are several configuration options that control how payments are processed. This page covers capture methods, currency settings, ACH payments, and website checkout integration.

Capture Method

The capture method determines when money is actually charged to your customer's card. You have two options:

  • Capture Amount Automatically — the card is charged immediately when the payment is authorized. This is the most common setting for retail firearm sales.
  • Capture Amount Manually — the card is authorized (the funds are held) but not charged until you manually capture the payment later. This is useful for pre-orders, layaway, or special-order firearms where you want to confirm availability before collecting payment.

To set your capture method:

  1. Go to Accounting → Configuration → Payment Providers.
  2. Click Authorize.net.
  3. Click the Configuration tab.
  4. Under Capture Amount, select either Automatically or Manually.
  5. Click Save.

If you use manual capture, remember that most card authorizations expire after 5 to 7 days. If you do not capture the payment before the authorization expires, you will need to request a new payment from the customer.

One Currency per Provider

Each Authorize.net provider instance in CloudFFL handles one currency only. If your Authorize.net merchant account processes payments in USD, then this provider will only accept USD payments.

Most CloudFFL dealers only need USD. You do not need to set up multiple providers unless you accept payments in other currencies. If you do need a second currency, create an additional Authorize.net provider and configure it with the appropriate currency and credentials.

ACH / eCheck Payments

Authorize.net supports ACH payments (also called eChecks), which let customers pay directly from their checking account instead of using a credit or debit card.

To enable ACH payments:

  1. Make sure your Authorize.net merchant account has eCheck.Net enabled. Contact Authorize.net support if you are unsure.
  2. In CloudFFL, go to Accounting → Configuration → Payment Providers → Authorize.net.
  3. Under the Configuration tab, look for the option to Enable ACH Direct Debit and check the box.
  4. Click Save.

When ACH is enabled, customers will see the option to enter their bank account and routing number at checkout in addition to the standard credit card form.

ACH payments typically have lower processing fees than credit card transactions, but they take 3–5 business days to clear. This makes ACH a good option for larger purchases like high-value firearms or bulk accessory orders where saving on fees matters more than instant settlement.

Website and E-Commerce Payments

If you use the CloudFFL website or e-commerce module, you can enable Authorize.net for online checkout so customers can pay when placing orders on your website.

  1. Go to Website → Configuration → Payment Providers.
  2. Find Authorize.net in the list and make sure it is Enabled for your website.
  3. Click Save.

Once enabled, customers will see a secure inline credit card form during checkout. This form is powered by Authorize.net's Accept.js technology, which means card details are sent directly to Authorize.net — they never touch your server. This keeps your website PCI-compliant without any extra work on your part.

Customers can also choose to save their card for faster checkout on future orders. Saved card details are stored securely by Authorize.net as a token — CloudFFL never stores actual card numbers.

You can use both NMI and Authorize.net on your website at the same time. When both are enabled, customers will see all available payment methods at checkout and can choose whichever they prefer — credit card via Authorize.net, credit card via NMI, or bank transfer via ACH.

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