NBG i-bank is the internet banking division of the National Bank of Greece, a global banking and financial services company founded in 1841 in Athens, Greece. If you want your customers to be able to pay in your online store with their credit and/or debit cards, and you to receive the money directly in your account, Cloudcart offers you the opportunity for easy and fast integration of virtual POS (VPOS) from NBG i-bank.


Request for a virtual POS terminal

To integrate this payment method, you must first enter into an agreement with the bank for the issuance of a virtual POS terminal. 


Please note that in order to use this payment service, you must have a valid domain, an added SSL certificate, as well as have products uploaded to your site that meet the requirements of NBG i-bank. 
We also advise you to install the GDPR application.


Settings

Once the agreement is ready, you will be given an account where you can generate the necessary credentials to enable the integration of your CloudCart store with the bank's service. 


Login to your NBG i-bank account and go to Account Settings > API Keys. Their system will allow you to create up to 5 live and sandbox keys. You need 2 public and private (1 regular and 1 hosted)  keys to integrate this payment method with CloudCart and just as many keys to test that the service works properly. Generate keys in sandbox mode for testing purposes and in live mode for production.

To enable hosted payments when generating a new key, check the option in the lower left part of the screen.

1. To configure this payment method, go to your admin panel, Settings > Payments, and select NBG i-bank > Configure.

2. After entering the settings, first enter the name of the service (by default it's NBG i-bank, you can add text or change it), and you can upload another logo for this service. 


 

3. In the next section, Test mode, you will find a "Live Mode" button, which must remain off until you have completed all test payments. As soon as you activate the button, you will start accepting payments from all your customers who have chosen to use this payment method.  

4. While you are in Test mode, In the Settings section, enter the sandbox/test Public and Secret (regular and hosted) keys you got from your NBG account. When you finish testing and activate the live mode, you will place the live keys instead.


5. In the next section Acceptance of payments based on the amount of the order, you can set a minimum and maximum order amount at which this payment method is active and visible to the customers when they choose this payment method. 

6. In the last section Discount when paying with NBG i-bank you can give a discount (specific amount or percentage) to your customers to encourage them to use this payment method.

Card payments reduce the risk of returning or cancelling the order, which is common when the customer chooses cash on delivery upon receipt of the goods. In addition, the possibility of damage to the goods during transport must be taken into account, especially if you are selling higher-value products. Therefore, we recommend that you encourage your customers to choose card payments with a small discount.


Once you have filled in and saved the required information, you are ready to make your first test payments in your store. 


Please note that if you edit / replace / add products that participate in already paid orders or change the applied discounts, this may lead to a discrepancy in the amounts.