FluidPay

FluidPay Module for Akaunting

The FluidPay Module is a robust payment gateway integration for Akaunting that enables businesses to accept credit card and ACH (bank transfer) payments directly on their invoices and retainers. It prioritizes security by utilizing FluidPay's Hosted Tokenizer, ensuring that sensitive payment data never touches your server, which simplifies PCI compliance.

Key Features

• Secure Multi-Channel Payments: Supports both Credit Card and ACH payments through a secure, customizable tokenizer interface.
• Customer Vault & Tokenization: Safely stores customer payment methods in the FluidPay Vault. This allows customers to pay future invoices with a single click without re-entering their details.
• Smart Fee Calculation: Includes functionality to automatically calculate and apply processor fees or surcharges to the total amount, helping businesses manage transaction costs.
• Comprehensive Configuration:
  • Environment Management: Easily switch between Sandbox and Production modes.
  • Customizable Checkout: Toggle specific fields such as billing/shipping addresses, phone numbers, and CVV requirements.
  • ACH Controls: Specific settings for ACH SEC codes and routing number validation.

Upcoming Features

• Automated Recurring Charges: (SOON) Integrates with Akaunting's recurring invoice system. When a recurring invoice is generated, the module can automatically attempt to charge the customer's default saved payment method.
• Automated Notifications: Automatically handles failed recurring payments by triggering dedicated email templates to notify customers and administrators.
• Customer Profile Editing: Customers can modify their payment methods from the Akaunting Customer login.
• Importing & Exporting: Import customers from FluidPay based on matched email or create new in Akaunting; or export from Akaunting to FluidPay based on matched email or create new in FluidPay.
• Choose Default Methods for Recurring: Customer can choose which payment method to use for a specific recurring invoice template. Admin/Manager can also update the payment method for use on a specific recurring invoice template.

How It Works

1. Payment Initiation: When a customer views an invoice in the portal, they are presented with the FluidPay payment option.
2. Tokenization: The customer enters their details into a secure iframe provided by FluidPay. FluidPay returns a secure "token" to Akaunting.
3. Processing: Akaunting uses this token (and your Private API Key) to process the charge server-side or to save the method to the Vault for future use.
4. Reconciliation: Once the payment is successful, the invoice status is automatically updated in Akaunting, and the transaction is recorded.

Technical Highlights

• PCI Compliance: Uses hosted fields (tokenizer) to keep sensitive data out of the application environment.
• Event-Driven: Uses Laravel listeners to hook into Akaunting's document lifecycle, enabling seamless recurring payment processing.
• CSP Ready: Includes built-in middleware to manage Content Security Policy (CSP) headers, ensuring the FluidPay tokenizer scripts load correctly and securely.