### How to Start Accepting Credit Cards

The Parallels Business Automation - Standard provides the set of plug-ins, which allow establishing connection with payment gates and accept online payments in the HSPstore.

To configure the payment plug-ins, you need to register an account (or sign up) at corresponding online payments processing center and obtain the necessary data (merchant ID, the processor URL, etc.). After this, you can go to the Commerce Director - Online Payments - Payment Plug-ins and fill the simple form to enable a plug-in.

The types of credit cards to accept can be selected per payment plug-in (if a plug-in configuration allows this).

To process online payments and use the recurring billing, you need the credit cards data to be saved in the Parallels Business Automation - Standard database. Thus, it is necessary to enable credit cards data encryption:

The credit cards private data saved in Parallels Business Automation - Standard is encrypted with public key and after this, to perform transaction, you need a secret key to decrypt it. Parallels Business Automation - Standard allows generating two key pairs - to use the second one if the first key pair is lost. If you already have a key pair saved somewhere, you can upload it. To to generate or upload the key pair, go to the Commerce Director - Payment Processing - Secure Storage and select the Keys Management tab.

To secure transactions, you can enable the SSL protocol for your online store.

You can also configure fraud screening. To configure and enable fraud screening, go to the Commerce Director - Anti-Fraud Manager. Fraud screening includes both pre-configured (country-code) and configurable (black e-mail, phones, etc.) checks.

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