To use USAePay with your ProductCart-powered store, you will need to ensure that the Web server that is hosting your store has the USAePay XCharge component installed. The software can be downloaded free of charge from this page:

http://wiki.usaepay.com/developer/xcharge

If you are hosting your store with a third-party, contact your Web hosting company and ask them if they support USAePay, or if they can install the corresponding software on their server. Once you have ensured that your Web server can support USAePay, enabling the payment gateway in ProductCart is quite simple. Select: Payment Options > Add New Options > Real-time credit card processing… to load the Add Real-Time Payment Option form. Select USA ePay from the list of available payment gateways, and you will be taken to a section of the page where you can configure the following settings:

• Source Key: Enter the Source key generated by the Merchant Console at: www.usaepay.com
• Transaction Type. Can be set as either “Sale” or “Authorize Only”. Choose “Sale” to both authorize and capture funds (the credit card is debited). Choose “Authorize Only” to authorize the credit card, but not capture the funds. If you select “Authorize Only”, the credit card is authorized, but not debited. In the second scenario, the transaction is not settled (and therefore funds are not deposited into your back account), until you either manually capture funds using the USAePay’s administration console, or automatically using ProductCart’s batch processing feature. Note that when USAePay is set to “Authorize Only”, credit card information is encrypted and stored in the store database and should be regularly removed using the Purge Credit Card Numbers feature. When the system is set to capture funds (“Sale”), credit card information is not stored in the store database. Storing credit card information is required to successfully process the order(s) using the batch processing feature. See Combining Order Editing and Batch Processing for more information.
• Enable Test Mode. Credit cards will NOT be charged. This is for testing your store only.
• Accept Checks. Select “Yes” if you are setup to accept electronic checks through USA ePay. All eCheck orders are automatically considered Processed by ProductCart, as the order amount is always debited to the customer's bank account. This is true regardless of which Transaction Type setting you choose for your store. If for any reasons you would like eCheck orders to be considered Pending, use this option. You will then need to process these orders from the Process Order page.
• Processing Fee. You can choose whether to charge an additional transaction fee using the Processing Fee field. The fee can be either a flat charge or a percentage of the total order amount.
• Payment Name. You can change the description that is shown to your customers during checkout. For example, you could change “Credit Card” to “Visa/MasterCard”.
• Electronic Check Payment Name. You can change the description that is shown to your customers during checkout. For example, you could change “Electronic Check” to “USA ePay Check”.
• Processing Status. If you want orders to be processed at the time they are placed, check the corresponding checkbox. It is recommended that you leave the check box unchecked so that you can review orders for accuracy and legitimacy before processing them. When this option is unchecked, orders are Pending when they are placed. Learn more about the order status.
• Payment Status. Specify which payment status you would like to assign to orders when they are placed. Learn more about the payment status.

To complete the activation, click the “Add Gateway” button at the bottom of the page.