Understanding the payment integrations available with Citrus-Lime
Explaining the different parties involved in in-store and online transactions
There are two key things to note with regards to our integrations:
With Cloud POS in-store card payment processing, we only integrate with Paymentsense;
For ecommerce card payment processing, we only integrate with Sage Pay and PayPal.
Some basic explanations of terminology:
Payment Processor: Sometimes also referred to as 'payment gateways'. A payment processor is an intermediary between the financial institutions involved in a card transaction. Both Paymentsense and Sage Pay are payment processors.
Acquirer: An acquirer is a financial institution which handles payment authorisation requests and approvals. In very simplified terms, they check that the purchasing customer can pay for the item they want to buy and, if the purchase is approved, the acquirer is responsible for moving the payment into the retailer’s bank account. Paymentsense (through First Data Merchant Services) are an acquirer. There are various other acquirers in the marketplace, such as Worldpay, Elavon, and Barclaycard Merchant Services.
Merchant Number (MID): A retailer needs a MID to process in-store credit card payments. You obtain a MID from an acquirer. A MID identifies that particular retailer to the financial institutions involved in transactions.
Ecommerce Merchant Number (Ecommerce MID): Similar to the above, a retailer needs an ecommerce MID to process online credit card payments. Again, you obtain this from an acquirer.
NOTE: A MID and an Ecommerce MID are not interchangeable, i.e., an ecommerce MID cannot be used for in-store card payments, and a MID cannot be used for online card payments. The retailer needs to be clear about their requirements when they request a MID / ecommerce MID from an acquirer.
> If you are looking to use our in-store card processing solution with Cloud POS, you will need to obtain your MID through Paymentsense, since Paymentsense will also be their payment processor.
> For ecommerce customers, you can obtain your ecommerce MID from any acquirer. You will then provide Sage Pay with the ecommerce MID when you set up your Sage Pay account.