Mixed payment gateway issue

Hey @joe-bloggs

The fallback gateway option handles this scenario by showing the desired gateway incase of a mix, and it will have the whole amount even for products that has another gateway specified, actually this is how I “think” it should work, and that’s why it’s a fallback gateway.

I would love to hear your thoughts, how do you see a proper handling of this case? Product A ($20) should be sold by CoD, Product B ($50) by CC, both in cart >> admin selects CoD as fallback for example, the plugin shows CoD and total amount is $70.

How you think we can make it better?

Omar

Hey @omardabbas

Thanks for getting back.

Here is some feedback and a bit of constructive criticism, I really hope it won’t offend, happy to hear your thoughts further.

The fallback option is only part of the ‘Pro’ package so in my opinion that actually makes your ‘Free’ version of the plugin quite useless.

Let me explain. The way your free version of the plugin works is that is assigns a different payment gateway to different products. Great, but I can only purchase these products individually in order to checkout with the preferred gateway, because if 2 products with different gateways meet in the same cart, then your plugin fails to work. So your free version is only a half baked solution.

At the moment (in my scenario), if I have one product payable by CC ($50) and another product payable by COD ($20), then at the checkout I get the total of $70 and a choice to checkout either with COD or CC.

Both of them are wrong, because I can’t checkout with COD, because that would mean that the $50 product will not get paid and I can’t checkout with CC because that would mean that even the $20 product that was meant to be paid by COD will now be charged for by CC.

Does it make sense? So your free version of the plugin doesn’t really solve any issues, there’s only a half use for that because I can checkout products individually, but not together.

The way it should work in this particular case of CC and COD is that in the checkout where you have both products listed, COD product should have a little note saying ‘This product is payable on delivery’ and the CC product should have a little note saying ‘This product is payable immediately’, there should only be one payment gateway option enabled (in this case CC) and the total amount charged should be $50, because it’s only $50 that is going via CC, not $70, because the COD payment should be 0, it’s cash on delivery.

But this is not going to work in other scenarios where you should be taking 2 payments with different gateways, one via CC and the other via Paypal for example.

Even if I purchased your Pro version, then it still doesn’t make sense to have a fallback payment gateway, because I don’t want to checkout both products with the same gateway, right? That was the idea of having different gateways for different products in the first place, so I can have product A checked-out with CC and then product B checked-out with Paypal.
I don’t want to have product B checked-out with CC as a fallback. I could’ve setup all my products with CC straight away if half of them don’t get checked-out with Paypal anyway because they’re in the mixed cart with the CC products.

Does it make sense? So as it is right now, I actually think your plugin completely defeats its purpose.

So this is what I have done as a workaround:

I’m using your plugin in order to assign different gateways to various products, however If the products will meet in the same cart, I have adopted this solution here.

What happens here is that you choose products that can be in the cart together at the same time, because they use the same gateway.

But if ‘an intruder’ comes in, a product that uses a different payment gateway, then I won’t be able to add this product into cart until I either checkout my current cart or empty the current cart.
So basically I can have different gateways for different products, however I make sure they don’t get mixed in cart at the same time.

In my opinion this should be your solution to the mixed cart issue.

Let’s jump into the buyer’s shoes for a minute.

If I am a buyer for example and I’ve got some products in the cart that are payable by CC and I wanted to add another product payable by Paypal.
I would completely understand if a message pops up saying I have to checkout the CC products first before I can add the Paypal product.
Sure I think that makes sense.

But if I have products payable by CC int the cart as well as products payable by Paypal, and now you’re asking me to pay for everything by CC instead.
Well, no, I don’t want to pay the Paypal product with CC, I want to pay it with Paypal which is why I came to your site, so I can buy it by Paypal. As an example.

Can you see where I’m coming from?

Anyway sorry for the long read, I hope you find this useful, let me know your thoughts.

JO

Hey @joe-bloggs,

Thanks a lot for the thorough feedback, we really appreciate it and would never take such as an offend ??

Let’s take a step back and see why store owners use plugins like this one.

Generally speaking, limiting gateways per product is done because of commissions taken by each gateway, so some products become a bit non-profitable if sold by PP for example.

Now should this be the default for ALL products? In my opinion no, store margins are usually covered under all payment gateways, and when there is a need to limit products to CoD for example, it happens because of that particular product, but it’s not the default.

Now what if a store has tons of mixed products between different gateways? They can either invest a little in a paid solution, or if it’s more complicated, develop the solution themselves (customized).

This plugin, like almost all plugins out there, offers a free version that solves 80-90% of problems related to it, those who need the 10% can invest in getting a pro version.

Is the plugin useless? I doubt, simply because it has been there for almost 4 years, and do you know when the fallback gateway feature was introduced? Later last year, so people were using it before even having this option (which I understand, doesn’t fully meet your need).

Having a popup is something doable, in the plugin it might be confusing (since you have a lot of include/exclude which each will have a slight different message), so maybe settings this up per store can be easier at least for now.

Again, I’m really thankful for your feedback, I will be reviewing it again and see where the plugin can be improved.
Best,
Omar