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Once Braintree Payments has been implemented and enabled for your site by Commerce Vision, settings for the Braintree feature, available payment options, vaulting (saving a payment for future use) and fraud protection can be configured.    

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title Vaulting
Vaulting refers to saving of a customer payment for future use. Another name for this is tokenisation. Typically this is used in two purchasing scenarios: recurring billing such as for subscription products and future purchases so customers do not have to re-enter payment details. Vaulted cards will automatically be offered for future purchases without the need to re-enter details . The User just needs to click on the card to select it. If this setting is OFF, credit cards will not be vaulted by default. Image Removed

Step by Step Guide

1. Configure General Settings 

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To configure Braintree Payment Settings,:

1. Navigate to Settings → Payment & Checkout → Braintree Payment.
   
2. If the Available in CMS toggle is not enabled, toggle it ON. 
   
   
3. Click Configure.
   
   
4. Configure General Settings for Braintree Payments. NOTE - the Overrides feature can be used instead of global settings when offered.
     
   
   1. To enable Braintree for all Users on your site, toggle ON Enable Braintree Payment. TIP - Leave this global toggle off and add Role Overrides if Braintree is to be offered only to specific roles, e.g., B2C customers. 
      
      

   2. In Mode, select 'Sandbox' if you are on the testing Stage site or 'Production' on the live site. 
      

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      The sandbox is an entirely separate environment from your production account. Nothing created in the sandbox (e.g. processing options, recurring billing settings) will transfer to production. Your login information, merchant ID, and API keys will also be different.

      
      

   3. Enter credentials for either 'Sandbox' or 'Production'. You will need the following from your Braintree account:
      - Merchant ID - this is the default ID used to verify the account. If your business has several Merchant Account IDs and you want to specify one of them, enter it in the Merchant Account ID field.  
      - Public Key 
      - Private Key 
      - Merchant Account ID - leave blank if the ID in Merchant ID is to be used.
      
      

5. If you want to allow Users to be able to delete a saved (vaulted) payment, toggle ON Allow Vault Management. When this setting is enabled, in the Payments panel, an Edit link displays on the top right side.  
    
   
   When the User clicks on Edit, the delete option appears for each payment. The User can click it to remove the saved payment.  
      
   
   

6. If the saved payment at the top of the list is to be preselected when the User pays during checkout, toggle ON Preselect Vaulted Payment Method. A preselected payment is foregrounded and has a tick next to it. If OFF, the last saved payment will be preselected.
   
   
   
7. If you want the default payment option set in Braintree to be displayed first payment, toggle ON Show Default Payment Method First.

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1. Toggle ON Enable Google Pay. 
   
   
   

2. In Google Pay Merchant ID, enter your Google Merchant ID from your Google Merchant Centre account. 
   
   
3. To save your settings, click Save.

Apple Pay Settings

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3. Fraud Protection Settings for Order Payment

Braintree Payments has three fraud protection modes that can be set, and one must be selected. Information provided here is limited to setting up an option for your website. Details about fraud protection options are available from the Braintree website. (NOTE - Advanced and Kount are options that incur additional fees.)  In addition, 3D Secure, which provides an extra layer of security by prompting a User to authenticate card ownership by entering a PIN, can be enabled.

1. In Braintree Payment Settings, scroll down to the Fraud Protection Settings for Order Payment section.
   
   
2. In Fraud Protection Mode, select Basic, Advanced or Kount.  
   . NOTE - The mode enabled her must be the same as the mode enabled in your Braintree account.
   Basic - all fraud protection is handled by Braintree and no further configuration is required here.
   
   
   
3. (For 'Advanced' or 'Knout' only.) In Treat Decision 'Not Evaluated' As, select 'Review' or 'Approve'. 
   Review: the transaction with this status is treated as suspicious and put on hold subject to further verification
   Approve: the transaction with this status is treated as a successful one and the order is released.  
   
   
4. (For 'Knout' only.) In Treat Decision 'Escalate' As, select 'Review' or 'Approve'.
   Review: the transaction with this status is treated as suspicious and put on hold subject to further verification
   Approve: the transaction with this status is treated as a successful one and the order is released
   

5. To use 3D Secure, toggle ON Enable 3D Secure. NOTE - This is applicable only to cardholders who have enrolled in 3D Secure with their issuer. 

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   title Click here to know more about 3D Secure..

   
   If using 3D Secure, select an option from the 3D Secure Review Status List.

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   During the checkout process, if the cardholder is enrolled in 3D Secure, the issuing bank will decide whether the cardholder's identity can be verified using data supplied regarding the cardholder and their device, or if an additional authentication process is necessary. If additional authentication is necessary, Braintree will begin a process provided by the issuing bank to verify the cardholder’s identity via SMS one-time passcode, the issuing bank's mobile app, biometric methods, or other means. 3D Secure can shift liability for fraud-related chargebacks from the merchant to the card issuer. For example, if the issuer does not participate in 3D Secure but the card brand supports this extra protection (i.e. Visa or Mastercard), the liability for fraud-related chargebacks will shift to the issuer. NOTE - 3D Secure does not shift liability for all fraudulent chargebacks. You can determine whether or not liability shift occurred by the 3D Secure status code returned for the authentication.

   
   Example of 3D Secure popup:
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6. (For use with 3D Secure only). The 3D Secure Review Status List provides all 3D Secure statuses that will not reject the order if 3D is not required. it allows you to put such orders on hold for further verification. For instance, 'authenticate_attempt_successful' means that the card brand passed the attempt because the issuer's authentication server was unavailable. You can add one or more such statuses. NOTE - For a list of what each of the statuses mean, refer to the Braintree website.
   
   Click on the list, then click to select all required statuses. These statuses will populate the field.  
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Additional Information

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