Spiro is able to process credits cards with your preferred payment processor through you integrating your payment processor inside of Spiro (Link here). If you or your client are receiving an error in Spiro 99% of the time the error comes from the keys you have pasted in Spiro. These keys might have worked yesterday or even for the past 3 years, we still strongly recommend you check and generate new keys.
Common Mistakes - Payment Processor Configuration
Anti Virus / Pop up Blocker
It is always good to try to process the payment on your end if your client is having issues. There are endless anti-virus and pop up blockers that users can install that can prevent your payment processor from working. First always try to accept payment through Spiro on your computer to rule out any blockers on your clients computer
Your Api Keys are Incorrect
Please check the documentation here to confirm you have the correct API keys.
Tips:
Do not use a Test Key - we find some users accidentally generate Test Keys, these will not work to process live payments
Keys Will Not have "..." in them - After you generate a key you need to copy it from the pop up box, some processors for security will not show the full key in the processing portal. They put the first and last part of the key with "..."
Keys will NOT be the same - you need to add 2 different keys to Spiro. Your payment processor will not use the same keys
The Transaction is Over Limit
Is the order value in the thousands? We have seen that some payment processors deny these charges. Please contact your processor to have this limit increased
SSL is Expired
Have you white labeled domains in Spiro? SSL is a security certificate that Spiro will automatically apply for you on your pages. We have found that some domain will reject our ability to renew this certificate unless you add the provided CAA record here . If auto renew of the SSL is rejected this will prevent the payment processing page to work for your clients. You will have to add the CAA record and Spiro will automatically renew the certificate (can take up to 2 hours) so the processing window will work again.
When in Doubt Generate New API Keys
Almost in all cases (even at our REP company) we have found that properly generating new keys and saving them in Spiro will fix your problem. Even if the keys worked yesterday please generate new keys!