> For the complete documentation index, see [llms.txt](https://docs.one-cp.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.one-cp.com/configuration-and-setup/payment/receiving.md).

# Receiving Payments

Configure payment acceptance and receiving methods

The Receiving Payment Configuration enables your business to accept payments from customers and clients through various payment methods and providers. This section guides you through setting up payment acceptance with our supported payment service providers.

## 🎯 Overview

Receiving payments allows you to:

* **Accept Customer Payments**: Process transactions from your clients and customers
* **Multiple Payment Methods**: Support cards, digital wallets, and bank transfers
* **Global Reach**: Accept payments in multiple currencies and regions
* **Secure Processing**: PCI DSS compliant payment handling

## 💳 Supported Payment Providers

### Stripe

**Global payment processing with comprehensive features**

* **Coverage**: Worldwide payment processing
* **Methods**: Credit/debit cards, digital wallets, bank transfers
* **Features**: 3D Secure, fraud detection, subscription billing
* **Currencies**: 135+ currencies supported

**→** [**Stripe Configuration Guide**](/configuration-and-setup/payment/receiving/stripe-config.md)\
**→** [**Stripe Test Credentials**](/configuration-and-setup/payment/receiving/stripe-test-credentials.md)

### Gateway Payment

**European-focused payment processing**

* **Coverage**: European markets with local expertise
* **Methods**: Cards, SEPA transfers, local payment methods
* **Features**: DCC (Dynamic Currency Conversion), 3D Secure
* **Currencies**: All major European currencies

**→** [**Gateway Configuration Guide**](/configuration-and-setup/payment/receiving/gateway-config.md)\
**→** [**Gateway Test Credentials**](/configuration-and-setup/payment/receiving/gateway-test-credentials.md)

### PayPal (via Stripe)

**Digital wallet integration for broader payment acceptance**

* **Coverage**: Global PayPal acceptance
* **Methods**: PayPal accounts, PayPal Credit
* **Features**: Buyer protection, instant payments
* **Integration**: Seamless Stripe-PayPal connection

**→** [**PayPal Integration Guide**](/configuration-and-setup/payment/receiving/stripe-paypal.md)

## ⚙️ Configuration Process

### Step 1: Choose Your Provider

Select payment providers based on:

#### **Geographic Considerations**

* **Global Business**: Stripe for worldwide coverage
* **European Focus**: Gateway for European markets
* **Digital Wallets**: PayPal for customer preference

#### **Business Requirements**

* **Transaction Volume**: Consider processing fees and volume discounts
* **Payment Methods**: Ensure provider supports your required methods
* **Features**: Advanced features like subscriptions, marketplaces
* **Compliance**: Regional compliance requirements

### Step 2: Provider Setup

Each provider requires specific configuration:

#### **Stripe Setup**

1. Create Stripe account or use existing account
2. Connect Stripe account to 1-CP platform
3. Configure webhook endpoints for real-time updates
4. Select payment methods and currencies
5. Test integration with test credentials

#### **Gateway Setup**

1. Obtain Gateway merchant credentials
2. Configure Gateway payment settings in 1-CP
3. Set up webhook notifications
4. Enable desired payment methods
5. Validate setup with test transactions

#### **PayPal Setup**

1. Configure Stripe account (prerequisite)
2. Enable PayPal payment method in Stripe
3. Configure PayPal-specific settings
4. Test PayPal payment flow
5. Verify webhook delivery for PayPal events

### Step 3: Business Unit Mapping

Configure which payment methods are available for each business unit:

```
Business Unit A (Europe)
├── Stripe (Cards + SEPA)
├── Gateway (Cards + Local Methods)
└── PayPal (Digital Wallet)

Business Unit B (Americas)
├── Stripe (Cards + ACH)
└── PayPal (Digital Wallet)

Business Unit C (Asia-Pacific)
├── Stripe (Cards + Local Methods)
└── PayPal (Digital Wallet)
```

### Step 4: Testing & Validation

Thoroughly test your payment configuration:

#### **Test Scenarios**

* [ ] Successful card payments (Visa, Mastercard, Amex)
* [ ] 3D Secure authentication flows
* [ ] Payment method failures and error handling
* [ ] Currency conversion and multi-currency transactions
* [ ] Webhook event delivery and processing
* [ ] Refund and partial refund processing

#### **Provider-Specific Testing**

* [**Stripe Test Cards**](/configuration-and-setup/payment/receiving/stripe-test-credentials.md) - Comprehensive test scenarios
* [**Gateway Test Cards**](/configuration-and-setup/payment/receiving/gateway-test-credentials.md) - European-specific testing

## 🔗 Integration with Business Units

### Business Unit Association

Payment configurations are linked to specific business units:

* **Merchant Business Unit**: The business unit receiving payments
* **Configuration Scope**: Payment methods available for that business unit
* **Permissions**: User access control for payment configuration

### Getting Help

* **Configuration Issues**: <support@one-cp.com>
* **Provider-Specific Problems**: Check provider documentation
* **Integration Questions**: [API Reference](https://docs.one-cp.com/api-reference)
* **Testing Problems**: [Error Messages Guide](https://github.com/One-Cp/one-cp-docs/blob/main/payment/testing/error-messages.md)

## 🚀 Next Steps

1. [**Choose Your Provider**](/configuration-and-setup/payment/receiving/stripe-config.md) - Start with Stripe for global coverage
2. [**Configure Payment Methods**](/configuration-and-setup/payment/receiving/gateway-config.md) - Add Gateway for European markets
3. [**Enable Digital Wallets**](/configuration-and-setup/payment/receiving/stripe-paypal.md) - Add PayPal for customer preference
4. [**Test Your Setup**](https://github.com/One-Cp/one-cp-docs/blob/main/payment/testing/README.md) - Validate configuration with test transactions
5. [**Go Live**](https://github.com/One-Cp/one-cp-docs/blob/main/payment/testing/README.md) - Switch to production environment

Ready to start accepting payments? Begin with our [Stripe configuration guide](/configuration-and-setup/payment/receiving/stripe-config.md) for the most comprehensive payment processing setup.