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Configure Payment Processing

Goal: Connect your affiliate to Ayuna's payment processor (Finix) so card and ACH gifts can be accepted online and at point-of-sale, with funds settling correctly into your bank account.

How payments work in Ayuna​

Online and card-present payments flow through Finix, an integrated card-present and online processor. Ayuna doesn't store raw card data — Finix handles tokenization and PCI scope. Your affiliate sees:

  • Tokenized payment methods on file for recurring donors
  • Transfer states (PENDING / SUCCEEDED / FAILED) on each payment
  • Settlement transfers to your bank account on Finix's standard cycle
  • Webhooks that confirm async transfers (especially ACH, which can take days to confirm)

What you need to set up​

To accept online or card-present payments, you'll need:

  • Finix merchant account — your affiliate's bank info, EIN, and beneficial-owner details on file with Finix. Onboarding is handled outside Ayuna; ask your account manager.
  • Public-facing fee schedule — Finix requires every merchant publish their fee schedule. Ayuna includes a /fees page for this; confirm it's accurate before going live.
  • Bank settlement account — the deposit account Finix will fund daily.
  • Webhook configuration — Ayuna's webhook endpoint registered with Finix so async transfer state changes (especially ACH confirmations) update donations in your database.

Card-present payment terminals​

For ReStores and in-person fundraising events, Ayuna supports physical Finix terminals. Each terminal:

  • Is registered in Payments → Devices with a name and location
  • Activates over the network — the terminal's serial number is paired with the device record
  • Reports its connection status so you can see at a glance which terminals are live

See Process a Card-Present Payment for the day-to-day operator flow.

Donor-covered fees​

You can offer donors the option to cover the processing fee on top of their gift. When they opt in, the gift amount is preserved on the donation record and the additional fee shows separately. This is configurable per donation form.

Testing​

Finix provides a sandbox for testing without moving real money. Process test gifts, refunds, and pledge payments in sandbox before flipping production credentials.

Production go-live checklist​

  • Finix merchant account approved
  • Bank account verified
  • Fee schedule reviewed and published at /fees
  • Webhook endpoint registered
  • A test gift in sandbox round-trips: paid → receipt → settles → ledger
  • A test refund round-trips: refunded → donation marked refunded → reverse journal entry

Once all six are checked, you're ready to take real gifts.