# Merchant Payment Method Configuration

## Payment Method Configuration

Once a merchant has been onboarded, the next step is to configure their payment methods. This process involves two distinct API calls: one to discover available payment methods and their required credential structure, and a second to activate the chosen method.

### **Step 1: Discover Available Payment Methods**

To begin, you must call the `/merchant/provider/new` endpoint. This API call returns a list of all available payment methods that can be configured for the merchant. Crucially, the response from this endpoint also provides the specific structure of the credentials required (credentialsFields) for each payment method. This information is essential for the next step. It can also be used to display and collect the relevant fields from your merchant.

* credentialsFields
  * `name`: The name of the field that should be passed in the credentials fields when enabling that payment method
  * `infoGuide`: A guide decribing the credential and where to get it in the payment providers portal

### **Step 2: Activate a Payment Method**

After identifying the desired payment method, you will use the `/merchant/provider/activate/new` endpoint to activate it. In this call, you must pass the merchant's unique ID and the credentials for the chosen payment method. The credentials must be formatted exactly as outlined in the response from the previous `/merchant/provider/new` API call. Upon a successful call, the payment method will be enabled and ready for use by the merchant.

For basic testing purpose it is recommened to not specify a channel, if you wish to explore this functionality please look into the channels section on the merchant documentation.

{% hint style="warning" %}
The credentials used for enabling this method should be obtained directly from the merchants (or MoR) relationship with the payment method. 

For testing purposes you can use the credentials below to enable a payment method and test putting through an order.
{% endhint %}

## Credentials

{% tabs %}
{% tab title="Klarna AUD" %}
**Api Key**\
`8e65ed69-d84e-4ddd-82a9-031de6181869` 

Api Secret\
`klarna_test_api_dUZoaVVIYkticTB2LWhhd0QyMUhBbDIzU2ExIVg5d1EsOGU2NWVkNjktZDg0ZS00ZGRkLTgyYTktMDMxZGU2MTgxODY5LDEsQitidkE1SnJzckZuUXZIUDZJM1pXQTFKTmZZSzJnTGVBMW1rbTY4aUcyaz0`
{% endtab %}

{% tab title="Go Cardless USD" %}
**Access Token:**\
`sandbox_rtjNuRcBr12GVuepqzBmOo9uyiYBpcuRMZFG8ezy`

**Webhook Secret:**\
`vhx87n-P8VLdflbih838YOKJHYzc7bwmZ7s0i_xy`
{% endtab %}

{% tab title="Volt AUD" %}
**username**:\
[`tes64eeb6106aea28.92715557@volt.io`](mailto:tes64eeb6106aea28.92715557@volt.io)

**Public Key Id:**\
`5f0cbe19-a757-4f33-8178-0177386d51ae`

**Password:**\
`$4EOtj%2s6@#fMzlu9YR*10H&3v7Z!G1`

\
**Private key:**

```
-----BEGIN PRIVATE KEY----- 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 -----END PRIVATE KEY-----
```

{% endtab %}

{% tab title="FatZebra 3DS" %}
**username**: vsmrt-TESToptty

**sharedSecret**: 733d8b567c

**access\_key**: 1DrrvOD8CW5FIA==\
\
**token**: 5517fa6e8f1580b6904b735106baa7be60b38eb6

**access\_secret**: g4amFj1RTJwQrJpUHUN\_xGUmYZw=
{% endtab %}
{% endtabs %}

## Test Data

{% tabs %}
{% tab title="Klarna AUD" %}
Phone Number: `+61 473 752 244`
{% endtab %}

{% tab title="Go Cardless USD" %}
**All Defaults**

Routing Number: `026073150` 

Account Number: `2715500356`
{% endtab %}

{% tab title="Volt AUD" %}
Any BSB and Account Number.

Or any PayId
{% endtab %}

{% tab title="FatZebra 3DS" %}
Card Number: 4000000000001000\
\
Card Holder Name: Any\
\
Expiry: Any Future Date\
\
CVC: Any 3 Digits
{% endtab %}
{% endtabs %}