Payment Gateways

Overview

Payment gateways handle the transfer of funds between buyer and seller when a purchase is completed. PHP Pro Bid supports multiple payment gateways out of the box, including Stripe, Authorize.net, Coinbase Commerce, and Netteller.

The site administrator enables one or more gateways and enters the required API credentials. Buyers then choose their preferred payment method during checkout.

The screenshots on this page show the checkout flow using Stripe as an example. The process is the same regardless of which payment gateway is active — only the payment form differs.

Checkout Flow

After adding items to your cart and proceeding to checkout, you will see a summary of your order along with the available payment options.

Select your Billing Address from your saved addresses, or add a new one.
Choose whether to deliver to a different address or use the billing address.
Select a Shipping Method if multiple options are available.
Choose your Payment Method from the enabled gateways (e.g. Stripe, Netteller).
Optionally enter a Voucher Code for a discount.
Review the order summary on the right — items, subtotal, postage, and total.
Click Proceed to Payment.

PHP Pro Bid — Checkout page showing billing address, delivery address, shipping method, payment method selection (Stripe selected), voucher code, and order summary with Proceed to Payment button

Completing Payment

After clicking Proceed to Payment, you are taken to the payment page for the selected gateway. Here you enter your payment details and confirm the transaction.

PHP Pro Bid — Stripe payment page showing invoice number, card number field, order summary with item details, and Make Payment button

The payment page shows:

Invoice number — the reference for this transaction.
Card details form — provided by the payment gateway (Stripe in this example).
Order Summary — item name, quantity, subtotal, postage, and total.
Make Payment button — submits your payment for processing.

Once payment is confirmed, your order is complete and an invoice is generated. You can view all your invoices from Members Area → Buying → Invoices.

If payment fails or is cancelled, your cart items are preserved. Return to the checkout page to try again or choose a different payment method.

Admin — Gateway Setup

Administrators configure payment gateways from Admin Control Panel → Fees → Payment Gateways.

PHP Pro Bid admin — Payment Gateways page showing Authorize.net, Coinbase Commerce, and Stripe configuration fields with API keys and enable checkboxes

Each gateway has its own set of fields:

Authorize.net — Merchant ID and Transaction Key.
Coinbase Commerce — API Key. A webhook subscription URL is also displayed for IPN (Instant Payment Notification) setup.
Stripe — Publishable Key and Secret Key. Use the checkboxes to enable Stripe as a payment method.

Enable the gateways you want to offer by ticking their checkboxes, enter the required API credentials, and click Proceed to save.

You can enable multiple gateways at the same time. Buyers will see all enabled gateways as options during checkout and can choose their preferred method.

Per-User Gateway Keys

Individual sellers can use their own payment gateway credentials so that buyer payments go directly to the seller’s account rather than through the site’s main gateway.

To view or set a user’s gateway keys, go to Admin Control Panel → Users → Site Users, find the user, and click Edit.

PHP Pro Bid admin — Site Users page showing a user record with payment mode set to Live Payment and Edit button

On the user’s edit page, the gateway key fields are displayed (e.g. Stripe Publishable Key and Stripe Secret Key). When populated, payments for that seller’s listings are processed through their own gateway account.

PHP Pro Bid admin — Edit Account page showing Stripe Publishable Key and Stripe Secret Key fields for a specific user

Sellers can also enter their own Stripe keys from Members Area → My Account → Account Settings without needing admin intervention. See Seller Account Settings for details.