Credibanco Integración API

Credibanco Integración API

Developed By Hostingfacil.co

Compatible with WHMCS v8.5

Spanish

Recibe pagos con tarjetas en WHMCS con la tarifa más económica posible (La que le cobran a Payu, MercadoPago, Kushki, Openpay, Paymentez, Wipay, Wompi y estos a su vez usan a Credibanco para procesar tarjetas). Con este módulo para WHMCS puede recibir muy fácilmente pagos con tarjeta, que llegan directamente a su cuenta bancaria al siguiente día calendario (incluyendo fines de semana y festivos) antes de 7AM.

Características:

  • Integración por "Merchant Gateway", se ingresa los datos de la tarjeta directamente en WHMCS.
  • Soporta todas las tarjetas, entre esas Visa (Débito y Crédito), Mastercard (Débito y Crédito), Diners, American Express. Y todas las tarjetas internacionales, como JCB, Discover, UnionPay, entre otros.
  • No se almacenan tarjetas en WHMCS para evitar pasar por la extensa validación PCI requerida (con ROC).
  • PCI Compatible, el módulo pasa la validación de cumplimiento PCI DSS 4.0 SAQ D
  • Se marca como pagada la factura inmediatamente, menos de 1 segundo. WHMCS le envía automáticamente al cliente el email de confirmación de pago.
  • Al cliente le llega el nombre de tu empresa en la notificación/extracto del banco, generando mayor confianza.
  • Soporta multiples currencies/monedas/divisas, el cliente puede tener su cuenta en USD o cualquier otra moneda y pagar por este módulo, tu dinero llega en COP
  • Puedes consultar toda la información de la transacción desde WHMCS, ver el BIN de la tarjeta (primeros 6 dígitos), ver últimos 4 dígitos de la tarjeta, ver banco emisor de la tarjeta, país del banco emisor de la tarjeta, entre otros.
  • Hacer devoluciones desde WHMCS de pagos hechos el mismo día, que se procesan inmediatamente.
  • Listo para soportar 3D Secure (Visa Secure, Mastercard Identity Check, American Express SafeKey 2.0, J/Secure by Japan Credit Bureau (JCB), Discover ProtectBuy, UnionPay 3D Secure 2.0 y CB Pago seguro), apenas Credibanco iPay lo implemente en 2022
  • Conocer de cualquier error en tiempo real, el módulo crea un ticket en WHMCS cuando: El módulo no está activo y llegó un pago por Credibanco (solución: Activar el módulo), Transacción no aprobada (Validar el tipo de error, probablemente el tarjeta-habiente debe contactar a su banco para que autoricen la transacción y reintentar ó agregar fondos a su tarjeta, se recomienda contactarlo inmediatamente), Chargeback/contracargo creado (listo para cuando sea implementado por Credibanco iPay), no se pudo crear la transacción (El código y texto de error dice la razón), no se pudo hacer refund por el módulo (Es necesario pedirlo por email, en la documentación incluida en este módulo se indican cuales para Visa, Mastercard, Dinners, Amex, etc. Permanentemente estamos actualizando el módulo para soportar las últimas tecnologías disponibles de Credibanco iPay. Requieres código único de ventas no presenciales de Incocredito para poderte conectar a Credibanco, no te preocupes, si has oído que esto es difícil o demorado, nosotros ya lo hicimos para nosotros mismos y documentamos todo el proceso para que sea fácil para ti, desde que compras el módulo hasta que recibes el primer pago en tu cuenta es alrededor de 3 semanas - No meses (2 días hábiles obteniendo auto cumplimiento PCI DSS 4.0 + 4 días hábiles en obtener el código de ventas no presenciales Incocredito + 7 días hábiles Contrato/Pruebas CrediBanco)
  • Si aún estas usando el modelo agregador, donde el dinero llega a la pasarela, luego a tu cuenta bancaria a los días y por esto te cobran:

Pasarela Tarifa Evertec (Placetopay) hasta 3.5% Kushki Desde $4.76 millones / mes Mercadopago Hasta 3.29% + $900 Openpay 2.8% + $900 Payu (Pagosonline) hasta 3.49% + $800

haciendo una integración por modelo gateway puedes reducir esto a algo tan bajo como 0.67% - 1.46% + $556 IVA Incluido, por ejemplo

Agregador Cualquiera con 3.49% + $800 Gateway Credibanco + Banco Tarifa Agregador 3.49% + $800 + IVA Tarifa Gateway (Visa Credito - La más común) 1.67% + $497.14 + IVA Valor venta promedio $700.000 COP Valor comisión agregador por venta $30.023,7 Valor comisión gateway por venta $14.502,6966 Valor comisión agregador al mes con 35 ventas $1'050.829,5 Valor comisión gateway al mes con 35 ventas $507.594,381 Valor comisión agregador al año $12'609.954 Valor comisión gateway al año $6'091.132,572 Valor ahorro anual por pasar de Agregador a Gateway $6'518.461,428

Es un ahorro de más del 51%, un ahorro de $6.5 millones / Año, ¿vale la pena invertir aproximadamente 3 días de trabajo en un proceso de 3 semanas para lograr esto?

Adicional que te llegue el pago diariamente al siguiente día antes de 7AM, incluyendo fines de semana

  • Emitimos factura electrónica de Colombia con IVA máximo 10 días después de efectuado el pago.

English

Receive card payments at WHMCS with the cheapest rate possible (The one charged to Payu, MercadoPago, Kushki, Openpay, Paymentez, Wipay, Wompi and these in turn use Credibanco to process cards). With this module for WHMCS you can very easily receive card payments, which arrive directly to your bank account the next calendar day (including weekends and holidays) before 7 AM.

Features:

  • Integration by "Merchant Gateway", card data is entered directly into WHMCS.
  • Supports all cards, including Visa (Debit and Credit), Mastercard (Debit and Credit), Diners, and American Express. And all international cards, such as JCB, Discover, and UnionPay, among others.
  • No cards are stored in WHMCS to avoid going through the extensive required PCI validation (with ROC).
  • PCI Compliant, module passes PCI DSS 4.0 SAQ D compliance validation
  • The invoice is marked as paid immediately in less than 1 second. WHMCS automatically sends the customer the payment confirmation email.
  • The client receives the name of your company in the notification/bank statement, generating greater confidence.
  • Supports multiple currencies, the client can have his account in USD or any other currency and pay for this module, your money arrives in COP
  • You can consult all the information of the transaction from WHMCS, see the BIN of the card (first 6 digits), see the last 4 digits of the card, see the issuing bank of the card, the country of the issuing bank of the card, among others.
  • Make refunds from WHMCS of payments made on the same day, which are processed immediately.
  • Ready to support 3D Secure (Visa Secure, Mastercard Identity Check, American Express SafeKey 2.0, J/Secure by Japan Credit Bureau (JCB), Discover ProtectBuy, UnionPay 3D Secure 2.0, and CB Secure Payment), as soon as Credibanco iPay implements it in 2022
  • Know about any error in real-time, the module creates a ticket in WHMCS when: The module is not active and payment has arrived by Credibanco (solution: Activate the module), Transaction not approved (Validate the type of error, probably the cardholder must contact their bank to authorize the transaction and retry or add funds to their card, it is recommended to contact them immediately), Chargeback created (ready for when it is implemented by Credibanco iPay), the transaction could not be created (The error code and text say the reason), it was not possible to make a refund for the module (It is necessary to request it by email, in the documentation included in this module it is indicated which ones for Visa, Mastercard, Diners, Amex, etc. We are constantly updating the module to support the latest technologies available from Credibanco iPay. You require a unique code for non-face-to-face sales from Incocredito (Merchant-ID) to be able to connect to Credibanco, do not worry, if you have heard that this is difficult or time-consuming, we have already done it for ourselves and we document the entire process so that it is easy for you since buying the module until you receive the first payment in your account is around 3 weeks - Not months (2 business days obtaining PCI DSS 4.0 self-compliance + 4 business days to obtain the non-face-to-face sales code Incocredito + 7 business days Contract / Tests Credibanco)
  • If you are still using the aggregator model, where the money reaches the gateway, then to your bank account a few days later and you are charged for this:

Payment gateway fee Evertec (Placetopay) up to 3.5% Kushki From $4.76 million COP / month Mercadopago Up to 3.29% + $900 Openpay 2.8% + $900 Payu (Online payments) up to 3.49% + $800

doing integration by gateway model you can reduce this to something as low as 0.67% - 1.46% + $556 VAT (IVA) included, for example

Aggregator Any with 3.49% + $800 Gateway Credibanco + Bank Aggregator Fee 3.49% + $800 + VAT(IVA) Gateway Fee (Visa Credit - The most common) 1.67% + $497.14 + VAT(IVA) Average sale value $700,000 COP Aggregator commission value per sale $30,023.7 Gateway commission value per sale $14,502.6966 Value of aggregator commission per month with 35 sales $1,050,829.5 Gateway commission value per month with 35 sales $507,594,381 Aggregator commission value per year $12,609,954 Gateway commission value per year $6,091,132,572 The annual savings value for moving from Aggregator to Gateway is $6,518,461,428

It is a saving of more than 51%, a saving of $6.5 million COP / Year, is it worth investing approximately 3 days of work in a process of 3 weeks to achieve this?

Additional that you receive the payment daily the next day before 7 AM, including weekends

  • We issue an electronic invoice from Colombia with VAT(IVA) a maximum of 10 days after payment is made.

 

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Version Compatibility


Compatible with WHMCS v8.5

Full Version Compatibility


  • Selected versions of WHMCS v8.5
        8.5.0 - 8.5.1
  • All versions of WHMCS v8.4
  • All versions of WHMCS v8.3

Support for this product

The best place to start if you need help with a specific product is to contact the developer. All WHMCS Marketplace developers have both a website and support URL listed.

Developed By Hostingfacil.co

Changelog

v1.0 Released July 20th, 2022

Latest Version


2020-07-20 1.0 Versión inicial lanzada, probada en producción por más de 9 meses.

 

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