Open Financial Technologies (India) Internet Payment Gateway Module for Magento 2.4x

Front-line payments suite through Value-based core Banking ecosystem

Install using SSH

cd /opt/bitnami/magento
composer require dravasp/openmoneypaymentgatewaymagento:dev-master
sudo magento-cli setup:upgrade

Login to Magento Admin > Configuration > Sales > Payment Methods

Instructions:

[] Fill up Open Financial Technologies (India) integration form - Ref. to https://app.open.money/register?ref=https://open.money/products/payment-gateway Click Here for Merchant Onboarding Requisites - https://open.money/tnc

• Login to your Open Financial Technologies (India) Account Dashboard and Go to My Account > Developer Settings > Security > API Keys > Enable TEST/LIVE Mode Accordingly
• Connect with your Designated Account Manager at Open Financial Technologies (India)
• Complete KYC and Request Approval for Compliance Check
• Compliance Check requires valid About Us, Contact Us, Product Catalogue, Acceptable Terms and Conditions, Privacy Policy and Return, Refund & Cancellation Policy
• Optionally, you may also set Security Policy with Customer Support Method clearly defined > Tollfree Phone / SMS / WhatsApp / Email
• TLS 1.3 with HTTP2.Quic Enabled

[] Changes for going Live.

• Insert your (variables) ACCESS KEY + SECRET KEY for Production Environment in Stores > Configrations > Sales > Payment Methods > Layer by Open Financial Technologies (India)

[] Enabling the module and configuring it with your Open Financial Technologies (India) Merchant credentials

• Login to your Magento Admin and go to Store > Configuration.
• On the left side bar, scroll down and click on "Payment Method" under the Sales section.
• Scroll down the page and "Enable" the Open Financial Technologies (India) IPG Layer module.
• On the same page, click on "Payment Methods" on the sidebar under the section "SALES".
• On this page, a "Open Financial Technologies (India)" section will appear. Click on it if its not already open.
• Add your ACCESS KEY + SECRET KEY here. Also specify sandbox to "NO" Always. click "Save Config". Additionally, if you want that only buyers from particular country or countries should be able to use Open Financial Technologies (India),
  against the "Payment Applicable From" field, select "Specific Countries" and then select the countries in the box that opens up. In order to select more than one country, you will need to click on the countries with ctrl key of the keyboard pressed. Sort Order field determines in which order Open Financial Technologies (India) will be displayed to the buyer during checkout.

[] Testing Open Financial Technologies (India) Internet Payment Gateway

• Make sure that sandbox mode is on and all details are entered in the Open Financial Technologies (India) configuration
• Go to your store and place an order.
• If you configured Open Financial Technologies (India) IPG Layer correctly in the previous step, it should appear as an option under payment methods during checkout.
• When you click on checkout, it should redirect you to Open Financial Technologies (India) payment gateway and show credit card and netbanking form.
• Use Netbanking to complete a test payment. On Live Mode, your preferred Acceptance Modes will be Visible - CC, DC, Wallets, Netbanking
• All banks netbanking are not activated by default - Usually takes 48-76 hours to activate all preferred partner banks.
• VAS Team along with Designated Account Manager will email list of available banks for Netbanking

[] Checking the status of payment transaction at Open Financial Technologies (India) Dashboard from your Magento Admin

• Login to admin and under Sales, click on Orders
• Click on the first order in the data grid. This should be the order that you just placed
• When the order details page opens up, look for "Payment Information" block. Inside the block, you can see the latest status of the transaction on Open Financial Technologies (India) end.

You will now be able to integrate Open Financial Technologies (India) with your existing Merchant Services Account of choice where you host your Merchant Account

Merchant Account or Cash Collection Service Account with Innovative Banking Partners allows high order value or high frequency volume (recurring trxns.)

Benefits of Merchant Services as opposed to standard Integration -

Get an integrated, rules-based, proactive risk management system that is supported by industry standard security
Enjoy 99.9% uptime and a 24-hour helpdesk support
Get customised MIS solutions for your business needs

You can apply for a Merchant Account with Open Financial Technologies (India) + Kotak Mahindra Bank / SBM Bank (India) / Bank of Baroda / HDFC Bank / ICICI Bank / YES Bank (Any One) for unprecedented scale

Account Reconciliation / Revenue Insights + Affordable Pricing for Growth - Scale

[] Corporate Office Address - India's Accelerated Payment Gateway

  - Open Financial Technologies Private Limited (India - IN) 
    - 91 Springboard Business Hub Pvt Ltd Plot No. D-5, Road No. 20, Marol MIDC Andheri East, (MUMBAI) MAHARASHTRA - 400093
	- Awfis Space Solutions Pvt Ltd Cabin No. 77, 4th Floor Shree Manjari Building, Near Vardaan Market (KOLKATA) - 700071
		- Direct Connect 18602586633 - Wait for Operator Assistance - Ask for Open Financial Technologies
	- Head Office - 3rd floor, Tower 2, RGA Techpark, Carmelaram, Sarjapur Road (BENGALURU KARNATAKA) - 560035

Opens : 10 AM to 6 PM Everyday - 10 AM to 6 PM IST Saturday  Closed : 2nd & 4th Saturday and every Sunday

• Technical Documentation Usage - https://docs.bankopen.com/docs/integration-sdk#magento-plugin

• Customer Care at letstalk@bankopen.co (Mon-Fri 10am to 6pm IST) / Raise a Ticket via Web Chat or Designated Account Manager

[] Important Emails for Corporate Communications and Risk Assessment - Corporate Communications https://in.linkedin.com/company/bankwithopen / https://open.money/about-us - Risk Alert - https://open.money/responsible-disclosure-policy / Vuln. Report security@bankopen.co

[] Install using composer require dravasp/openmoneypaymentgatewaymagento:dev-master

• Please Do Not Run composer with sudo or install in project root directory / Please Do Not Upload Static Files to Webserver.
• Request Integration Support or Seek Guidance from Repo Maintainers

  - BASE_URL_UAT - https://icp-api.bankopen.co/api
  - BASE_URL_SANDBOX - https://sandbox-icp-api.bankopen.co/api
  - SHA256
  - const ALLOWED_CURRENCIES = ['INR']

Check Trxn. Details via Bitnami Magento 2.4x Admin Order Dashboard `Login` - `Sales > Orders > Select Latest Order` > Transaction ID with Details - `CAPTURE`

• Support and Documentation - Forum - https://discuss.open.money

• For Testing UAT run md5

• Example

  md5 /opt/bitnami/magento/var/log/system.log
  

  inside SSH Terminal to provide verification to VAS Team

• One-page Checkout Enabled for Magento Commerce OS - Bitnami

Uninstall

	sudo magento-cli module:disable Open_Layerpg
	composer remove dravasp/openmoneypaymentgatewaymagento
	sudo magento-cli setup:upgrade
	sudo magento-cli module:status

Hard Delete an Plugin / Extension

	sudo nano /bitnami/magento/app/etc/config.php
	Page Down to Open_Layerpg
	Delete and make sure there are no trailing spaces
	CTRL/CMD + X and Click Y to Save without Renaming the file

	sudo magento-cli setup:upgrade

	sudo /opt/bitnami/ctlscript.sh restart
	Wait for a few minutes and Re-check

New Registration for Merchants - https://app.open.money/register?ref=https://open.money/products/payment-gateway

Download Open Financial Technologies for Business via Google Play - https://play.google.com/store/apps/details?id=com.open.openmoney (Optional) Download Salt via Google Play - https://play.google.com/store/apps/details?id=com.salt.customer

Download Open Financial Technologies for Business via App Store - https://apps.apple.com/in/app/open-money/id1508507688 (Optional) Download Salt via App Store - https://apps.apple.com/in/app/salt-shop-from-a-local-store/id1507755275

All Apps by Open Financial Technologies via App Store - https://apps.apple.com/in/developer/bank-open/id1507746466 All Apps by Open Financial Technologies via Google Play - https://play.google.com/store/apps/developer?id=Open+Financial+Technologies

Subscribe to MATRIX Communications WAP Service for Terminal Access even in Remote Locations. - Register your interest at https://matrix.in - Complete KYC with TRAI Required

As per payment gateway policies and liability shift clause, it is merchant responsibility to adhere to PCI Compliant CMS through Payment Acceptance Directives

View Patch Type - Required or Optional (in the Display Patch Grid by following commands below) The great part about using Bitnami Magento OS is they are all updated where mandatory security patches are applied to each release. You can view all patches applicable to your specific installation - https://devdocs.magento.com/quality-patches/tool.html#patch-grid

Steps to Follow - Login to SSH > cd to Magento Directory cd /opt/bitnami/magento

sudo magento-cli maintenance:enable
composer require magento/quality-patches
./vendor/bin/magento-patches status

Select '2' Adobe Commerce Support followed by '1' to Display All Available Requred and Optional Patches
./vendor/bin/magento-patches apply MDVA-30106 MDVA-12304

Steps to Revert via Single Command -
./vendor/bin/magento-patches revert MDVA-30106 MDVA-12304

Magento 2.4x on Bitnami	Optional/REQUIRED	Patch Prefix
MDVA-30106	Optional	MDVA
MDVA-12304	Optional	MDVA
MDVA-19640	Optional	MDVA
MDVA-41061-V4	Optional	MDVA
MDVA-38346	Optional	MDVA
MDVA-38626	Optional	MDVA
MDVA-38728	Optional	MDVA
MDVA-41305-V2	Optional	MDVA
MDVA-42790	Optional	MDVA
MDVA-42269	Optional	MDVA
MDVA-42237	Optional	MDVA
MDVA-42410	Optional	MDVA
MDVA-41136	Optional	MDVA
MDVA-41628	Optional	MDVA
MDVA-42950	Optional	MDVA
MDVA-42689	Optional	MDVA
MDVA-41229	Optional	MDVA
MDVA-39605	Optional	MDVA
MDVA-43862	Optional	MDVA
MDVA-43824	Optional	MDVA
MDVA-43491	Optional	MDVA
MDVA-43601	Optional	MDVA
MDVA-44188	Optional	MDVA
MDVA-42283	Optional	MDVA
MDVA-43983	Optional	MDVA
MDVA-44100	Optional	MDVA
MDVA-43605	Optional	MDVA
MDVA-43102	Optional	MDVA
MDVA-43178	Optional	MDVA
MDVA-44887	Optional	MDVA
MDVA-44660	Optional	MDVA
MDVA-44703	Optional	MDVA
MDVA-44940	Optional	MDVA
MDVA-44562	Optional	MDVA
MDVA-43167	Optional	MDVA
MDVA-42807	Optional	MDVA

Select '2' Adobe Commerce Support followed by '1' to Display All Available Requred and Optional Patches
./vendor/bin/magento-patches apply ACSD-45143 ACSD-44591

Steps to Revert via Single Command -
./vendor/bin/magento-patches revert ACSD-45143 ACSD-44591

Magento 2.4x on Bitnami	Optional/REQUIRED	Patch Prefix
ACSD-45143	Optional	ACSD
ACSD-44591	Optional	ACSD
ACSD-45169	Optional	ACSD
ACSD-45424	Optional	ACSD
ACSD-46146	Optional	ACSD
ACSD-45255	Optional	ACSD
ACSD-45488	Optional	ACSD
ACSD-45754	Optional	ACSD
ACSD-46213	Optional	ACSD
ACSD-46192	Optional	ACSD
ACSD-46404	Optional	ACSD
ACSD-46703	Optional	ACSD
ACSD-44851	Optional	ACSD
ACSD-45675	Optional	ACSD
ACSD-46869	Optional	ACSD

sudo magento-cli cache:clean
sudo magento-cli indexer:reindex
sudo magento-cli maintenance:disable

You can avoid indexer:reindex command by entering

sudo magento-cli setup:upgrade