Integrating with Nexio for SpendBack Payments

Learning Experience Team

February 10, 2023 18:39

Nexio is a payment processor merchant described as an open payments platform. They offer chargeback management, tokenization, and global payments. You can integrate Nexio as a commission payout merchant or standard payment processor.

Nexio also offers SpendBack functionality, which allows an Associate to use commission payout funds stored within their E-Wallet to place an order or purchase a product.

Basic Payment Process

Once integrated, you can process payments for orders and Subscriptions.

The Associate selects their inventory items and begins the checkout process.
The Associate selects their Nexio SpendBack provider from the PAYMENT CARD dropdown.
The Associate places the order by clicking the FINISH button.
Nexio processes the payment and sends back confirmation of acceptance (or denial if insufficient funds exist).

Before You Start

Contact Nexio to set up an account.
For testing on Nexio’s side, reach out to your account manager and gain credentials to their Sandbox site. On the DirectScale side, if you have a Stage environment, you can create test orders there before setting them up on Live. See the Testing on Stage/Sandbox section below for more information.
Acquire the necessary credentials and information (provided by Nexio when your account is created.):
- Username - The merchant username.
- Password - The merchant password.
- Test Username - The merchant username used for testing purposes.
- Test Password - The merchant password used for testing purposes.
- Payout Account ID - The Nexio ID for the payout account.
- Provider ID - Indicates which payout provider to associate with recipient profiles. You will need a provider ID for each provider you intend to use for commission payouts. MassPay, Nomad, and PayQuicker are the current providers compatible with DirectScale.

Testing on Stage/Sandbox

Admin: Corporate Admin
Page: Settings > Advanced Settings > Merchants
URL: [CLIENTID].corpadmin.directscale[ENVIRONMENT].com/Settings?category=Merchants
Permission: ViewAdministration(), ViewAdvancedSettings()

Nexio offers a Sandbox site where you can test your payment processing before going live. You'll need to request access to this Sandbox site from Nexio. You can add the provided testing credentials to your Corporate Admin Stage environment when you have access.

Locate the Nexio Payouts and Spendback credential form.
Ensure IsLive is disabled while testing. When disabled, the merchant is in a simulated transaction mode that allows you to test payouts in your Stage environment.
Enter the testing credentials:
- Payout Account ID - The Nexio ID for the payout account.
Enable the provider by entering the provider ID for each provider you intend to use:
- MassPay Provider ID - The Nexio ID for the MassPay provider.
- Nomad Provider ID - The Nexio ID for the Nomad provider.
- PayQuicker Provider ID - The Nexio ID for the PayQuicker provider.
Click Save Changes.

You can now create test orders on your Stage environment. See Creating Test Orders Guide for more information.

Adding Credentials for Live

Locate the Nexio Payouts and Spendback credential form.
Ensure IsLive is checked to use Nexio to payout real money in your live environment.
Enter the provided credentials:
- Payout Account ID - The Nexio ID for the payout account.
Enter the provider ID for each provider you intend to use:
- MassPay Provider ID - The Nexio ID for the MassPay provider.
- Nomad Provider ID - The Nexio ID for the Nomad provider.
- PayQuicker Provider ID - The Nexio ID for the PayQuicker provider.
Click the Save Changes button.

Mapping Nexio SpendBack

Admin: Corporate Admin
Page: Settings > Company Settings > Payment Methods
URL: [CLIENTID].corpadmin.directscale[ENVIRONMENT].com/Corporate/Admin/CountryPaymentMap
Permission: ViewAdministration()

To make your SpendBack provider an available payment option, you need to map it to your regions and stores.

Refer to Mapping New Market Payment Methods for an in-depth guide on mapping SpendBack providers.

SpendBack Refunds

SpendBack refunds are not currently supported in Corporate Admin. If an Associate pays for an order using their E-Wallet and requests a refund, you may have the option to process the refund within the Nexio Dashboard directly.

If you do not have the option to refund the SpendBack through Nexio, you can add a payable adjustment and approve the payment to add the funds back to the Associate's E-Wallet.

Regardless of your chosen method, a manual refund in Corporate Admin is still required to record the transaction ID and reflect that the funds have been returned to the Associate.

Refunding in the Nexio Dashboard

Log in to the Nexio Dashboard.
Navigate to the Spendback section.
Refund the payment in the desired amount.
Copy the transaction ID.
Process a manual refund and paste the transaction ID in the Refund Transaction ID field.

Manually Refunding in Corporate Admin

Add a payable adjustment for the desired refund amount.
Approve the payment.
Copy the Transaction Number.
Process a manual refund and paste the Transaction Number in the Refund Transaction ID field.