Integrate your Payment Processor (Detailed)

Overview

Payment processors allow you to collect online payments from your customers. Vacation Labs has integrated with several processors that are ready to use with just a few clicks: https://www.vacationlabs.com/integrations/
If you are subscribed to our Booking Engine, you automatically have access to all supported processors. Some are specific to Indian customers, while others are designed for international users. Please note that each payment gateway supports specific currencies and is available in certain countries only.

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How to Enable a Payment Gateway

To enable a payment gateway, log in to your Vacation Labs Admin Panel and go to Settings > Payment Processors.

The page is divided into two sections:

1. Enabled Processors – lists the processors currently active on your account
2. Available Processors –lists the ones that can be integrated and activated
   

Choose the gateway you wish to enable and click ADD.

On the integration page, fill in the required details, edit storefront labels and descriptions, and select the currencies you want to accept.

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Processor-Specific Requirements

Each payment gateway has its own set of credentials that you’ll need to collect before enabling it in Vacation Labs. These credentials are provided by the respective payment processors and are mandatory for integration.

1. PayU – Requires MID and SALT. You can obtain these credentials from your PayU dashboard or by following their official guide. Refer to this support article to obtain these details - https://docs.payu.in/docs/generate-merchant-key-and-salt-on-payu-dashboard

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2. Stripe – Requires a Publishable Key and Secret Key. These API keys are available in your Stripe account under the Developers section. Refer to this support article to obtain these details - https://support.stripe.com/questions/what-are-stripe-api-keys-and-how-to-find-them

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3. Paytm – Requires MID, Merchant Key, Website, Channel ID, and Industry Type ID. You can find these details in your Paytm business dashboard or by following Paytm’s integration documentation. Refer to this support article to obtain these details: https://business.paytm.com/blog/how-to-generate-api-key-for-paytm-payment-gateway-guide-for-merchants-using-payment-links/

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4. Instamojo – Requires an API Key and Auth Token. These can be generated from the API & Plugins section of your Instamojo account. Refer to this support article to obtain these details: https://support.instamojo.com/hc/en-us/articles/208543175-Where-do-I-find-my-API-key

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Currency and Conversion Settings

Different payment processors support different currencies, as shown under Visibility and Currency Settings. This lets you decide which currencies you want to accept from your customers. You can either enable all supported currencies or manually select specific ones by adding or removing them from the list.

If you offer tours priced in currencies not supported by a payment processor, you can still enable it by selecting the option “Also show this gateway for tours priced in any other currency.” In such cases, you’ll need to choose the currency in which the customer will pay. For example, if a tour is priced in euros (a non-supported currency), you can configure the processor so that the customer pays in USD.

You can set this up using the “Convert other currencies to” dropdown and selecting your preferred currency. The processor will then convert the customer’s payment into your chosen currency using the current exchange rate, usually with a small conversion fee included. This way, you always receive the payment in your own currency, even if the booking was made in a different one.

Additionally, you can configure a Currency Conversion Fee, either as a percentage of the final price or a fixed amount.

Currency conversion is the process that facilitates transactions where the issuer and acquirer use different currencies by exchanging one type of currency for another. Dynamic currency conversion allows the customer to see the transaction amount in their own currency, with additional costs included.

Sellers often apply a currency conversion fee for two main reasons:

1. Exchange rate risk: To protect against fluctuations in currency values, ensuring they still receive a fixed amount in their own currency.
   
2. Processing costs: To cover fees charged by banks or payment processors for handling currency conversion.
   

Once you save your settings with the required details, the integration is complete, and you can start accepting payments.

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