Carat Payments for Magento 2

This module supports all standard payment actions in Magento. It also allows customers to save their payment info for future use. This gives returning customers the convenience of stored credit cards and rapid checkout, without breaking PCI compliance.

The first time a customer checks out, they are given an advanced form to enter their credit card details. If they choose to save the card, next time they check out they can reuse that card with a single click. Your customers can also view, add, edit, and delete any of their stored payment info through a 'Manage My Cards' interface in their account. All frontend features are also available in the Magento Admin Panel.

• Pay by credit card
• Save credit cards (tokens) for reuse
• PCI SAQ A eligibility: Carat collects all credit card data for you
• Add, edit, and delete saved payment data
• Edit orders and reorder without having to ask the customer for CC info again
• Authorize, Capture, or Save CC Info (without charging) at time of checkout
• Capture funds even after the authorization expires
• Partially invoice orders (including reauthorization on partial invoice)
• Partially refund (online credit memo)
• Send billing address, shipping address, and more with transactions
• Card Verification Number (CVN) Validation
• Address Verification (AVS)
• Integrate your systems with Magento REST and GraphQL API support
• Use a different Carat account for each website (multi-website support)
• Supports standard, admin, and multi-shipping checkout
• Supports ParadoxLabs Adaptive Subscriptions extension

Stored payment info is good for your business and customers.

• It simplifies checkout.
• It encourages customer loyalty.
• It streamlines order management and integrations.
• It lets your staff quickly process orders and billing changes, without needing customers to repeat their credit card info.

All frontend features are available in the admin panel. This means admins can view, add, edit, and delete customers' stored cards, and place orders using them.

When editing an order, you can reuse the payment info, even for guests.

Security is everything. We know this. Customer confidence can take years to build up, and a stolen credit card can shatter that in a moment. Nevermind the legal ramifications or fees: Your customers are your business. You can't afford to risk losing them. Using ParadoxLabs Carat will protect you from many forms of credit card scraping hacks.

All communication with Carat is performed using TLS encryption, and no confidential cardholder data ever touches your server (even for a moment). Using secure Hosted Checkout, all credit card forms for this extension are contained within an iframe hosted by Carat.

This means all credit card data is sent directly from your customers to Carat, and none of it is exposed to your website or server at any time. Carat gives us a token to use in place of the actual credit card data, and we use that token for all payment processing. This lets your customers pay with a 'saved' card while the actual card is not on your server at all.

This extension implements Carat iframe payments for all credit card forms, and does not support collecting credit card data by any other means. That makes the ParadoxLabs Carat payment method eligible for PCI v3.2 Self-Assessment Questionnaire A (PCI SAQ A), the simplest possible form and process.

Note that you must have SSL enabled on all checkout and login forms, and that this eligibility only applies to this specific payment method. Any other payment methods or credit card handling your business may perform will have its own SAQ eligibility, and may require you to complete a more stringent SAQ form.

For details on the SAQ types and what eligibility means, see "Self-Assessment Questionnaire Instructions and Guidelines (3.2)" (PDF, by PCI Standards Security Council).

In addition, Fiserv offers a PCI Rapid Comply solution as part of their Merchant Services, which includes guidelines and support to help you complete the annual SAQ.

Progressive Web Apps are the future, and we're ready for them.

This extension fully supports GraphQL and guest/customer REST APIs, allowing you to build out checkout and customer card management interfaces within your PWA, mobile app, or other 'headless' architecture. Note that adding or updating cards outside of Magento will require fully implementing the secure iframe payment form, or an equivalent solution.

Extensive API documentation and how-tos are available in our user manual.