Overview
linked2pay orchestrates seamless risk management, merchant onboarding, and checkout payment processing. Our credit card processing—offered in both cost-plus and dual pricing models—provides merchants with a safe, secure way to accept payments, alongside our native ACH processing, which has been recognized with numerous innovation awards.

Features and Benefits
The linked2pay payment extension for OpenCart connects your store to the linked2pay payment gateway so you can accept online payments without disrupting your existing storefront experience.

With this extension for OpenCart, you can configure your linked2pay credentials in the extension settings and enable payment methods for checkout. When a customer places an order, the extension sends the transaction details to linked2pay for authorization and processing, then returns the results to your store so the order can be placed smoothly. From the admin orders page, merchants can review payment activity and perform common actions such as refunds (as supported by the gateway configuration). This extension is ideal for stores that want a unified workflow for Card and ACH payments while keeping payment operations organized inside the admin dashboard.

Some additional features and benefits include:

• A streamlined, secure, and unified experience for merchants, allowing them to manage transactions and refunds directly from their OpenCart Orders dashboard.
  
• A seamless customer checkout process.
  
• No installation or monthly fees.
  
• Advanced security features like PCI compliance and tokenization.
  
• Fraud detection.
  
• Support of multiple payment methods, including all major credit cards and ACH transactions.
  
• Dual pricing to zero out credit card processing fees.

What is dual pricing?
Compliant dual pricing is a payment model that lets a merchant offer their customers two transparent prices — one for cash (or equivalent, in this case ACH) and one for credit card payments — while staying within card network and regulatory guidelines. It helps businesses zero out credit card fees by pushing those processing fees on to the customer, legally and clearly, while giving customers the freedom to choose their preferred payment method.

Security
PCI DSS Level 1 compliant along with frequent third-party audits and a dedicated internal security team to make sure your data is always safe.

Account and Pricing
A separate linked2pay merchant account, issued by paycosmos, is required to use this extension. Merchant accounts are not created during the OpenCart installation process. There are no installation or monthly fees for the OpenCart extension itself.
To get started, please visit our contact page: https://linked2pay.com/contact

Important: This integration is available to the U.S. only. International payments are not yet supported.