Using a Merchant Account to Collect Payments for Self-Fulfilled Product Orders

Exclusive to Advanced plan subscribers

If you have a merchant account, you can use Authorize.net or PayPal to collect payments directly when customers order Self-fulfilled Products. Your customers will experience a checkout process without needing to be redirected to another website to complete payment.

Note: Zenfolio does charge a 7% Commerce Fee for all Self-Fulfilled orders placed, but do keep in mind there may also be fees charged by your merchant involved in setting up and maintaining a merchant account. Please check with your merchant to determine their transactions fees.

Configuring Your Payment Processor - Merchant Account

A merchant account allows you to process order payments for your Self-Fulfilled Products only. It allows you to collect the funds at the point of sale to be transferred directly into your bank account. Both individuals and businesses can have merchant accounts.

By linking a merchant account with your Zenfolio website, you're offering your clients an integrated checkout, which allows for a simple and streamlined purchasing experience. Zenfolio is currently able to accept connections with following Merchant Accounts:

• Authorize.net

Authorize.net

​​Important Notes: To use Authorize.net your business must be located in either the United States, Canada, or Australia.  Please contact Authorize.net to find out which currencies they support and for information on their limitations.

For photographers based in the UK or photographers with clients in the UK, this option is unfortunately unavailable.  Alternatively, those in the UK can choose to collect via PayPal or not to collect payment during the ordering process and just have the system collect the order details.  The order details will be sent to the photographer and they can then contact their client to make arrangements to provide the payment outside of Zenfolio.

1. Hover the mouse pointer over your username in the top right corner.
2. In the menu that appears, click on Account.
3. Go to Selling using the menu on the left.
4. Go to Collecting Payments.
5. Mark the circle for Merchant Account. Select Authorize.net from the Payment Processor drop list.
6. Enter your Authorize.net API Login ID​ and Transaction Key
   Note: You will need to obtain the API Login ID and the Transaction Key​​ from your Authorize.net account. You can do this through your Authorize.net account by going to your ACCOUNT >> Settings >> API Login and Transaction Key. (You may need to contact Authorize.net directly to find out how to obtain this information)​​
7. Select the Accepted credit cards.
8. Click Save.

Please Note: Using Authorize.net will only allow payments to be processed via credit or debit cards.
 

Required Updates For Those Previously Using PayPal Payments Pro Merchant Accounts

PayPal is making changes to the services they offer and PayPal Payments Pro will no longer be available beginning February 15, 2024. For those that have already set up a PayPal Payments Pro merchant account to collect payments for self-fulfilled products, you will need to re-authorize your connection with PayPal.

1. To re-authorize, hover your mouse pointer over your username in the top right-hand corner.
2. Choose Account from the dropdown menu. 
3. Select Selling from the left-hand side of the page.
4. Go to the Collecting Payments page.
5. Here you'll scroll down to the "Collecting Payments for Self-fulfilled Products" section, where you have PayPal selected and click on the Connect PayPal button.
6. Log into your PayPal account.
7. Review the terms of the connections and click on Agree and Connect.
8. Then click on the Go Back to... button to return back to your Zenfolio account.
9. Once you've provided your information, click Save.

FAQ

Are there additional fees involved with using Merchant Accounts?

The merchant account that you choose to use may have their own monthly or per transaction fees for using their services. Please be sure to check with your merchant to ensure you're aware of all fees that your client's payments may be subject to when being processed. Please also keep in mind that there is a 7% Commerce Fee charged on each order placed through your account, by Zenfolio.

How are Merchant Account refunds handled for cancelled Self-Fulfilled orders?

How a refund is handled will depend on how you have chosen to collect the client payments:

Authorize.net payments will need to be refunded by you, the photographer, through Authorize.net or another way outside of Zenfolio.

PayPal payments will be refunded automatically when cancelled through the Zenfolio account. The refund for these payments will be handled via the PayPal account balance. However, please note that if there is not enough of a PayPal account balance to cover the full amount of the refund, the full refund amount will be charged to the card or bank account connected to PayPal.

What if a client purchases Self-Fulfilled and Vendor/Digital fulfilled products together?

Split vendor orders (Digital/Vendor + Self-Fulfilled) will be fully processed through Zenfolio’s payment gateway, and profits from both orders will be deposited into your Zenfolio account. In these cases, you will be able to request a payout through Zenfolio.

If any part of the split order is cancelled/refunded, the refund will be issued back to the client automatically and the funds required for the refund will be deducted from you Zenfolio account balance.