Payments with CM.com for OpenCart — iDEAL | Wero, cards, Bancontact (Netherlands)

Payments with CM.com for OpenCart (OpenCart 4.x, 3.x and 2.3) takes the store’s payments through the Dutch payment service CM.com (Online Payments): the buyer goes to the secure CM.com page, pays with iDEAL | Wero, a card, Bancontact, Apple Pay, Google Pay or another method enabled in your CM.com account, and returns to the store. The order is confirmed from CM.com’s own transaction status, and the admin sees the transactions and actions right in the order.

What you need from CM.com. Your own CM.com Online Payments merchant account and its credentials: Client ID and Client Secret. CM.com support sets up the test environment with its credentials. The payment methods the buyer sees on the CM.com page are enabled in your CM.com account, and CM.com charges its payment fees under your plan.

What the buyer gets

At the payment step the buyer sees the “iDEAL | Wero, card and more (CM.com)” method with a note that the payment method is chosen on the secure CM.com page. After placing the order the buyer goes to the CM.com page, pays and returns to the store. In Pro every method can be a separate option at checkout (iDEAL | Wero, card, Bancontact, Klarna, in3…) in the order you set: the CM.com page then opens with the chosen method. In OpenCart 4 these are options in the payment-method step; in OpenCart 3 and 2.3 they are a choice in the payment block.

If the payment is cancelled, the time runs out or the payment fails, the buyer sees a page with the reason and a “Back to checkout” button: the order stays unplaced, the cart is kept and the buyer can pay again. The CM.com page opens in the store’s language (Dutch or English), and the order number with your prefix is sent to CM.com as the payment reference. For Klarna and in3 the module sends the order lines so that they add up to the order total exactly (product VAT, a separate shipping line with its own VAT, a discount shared over the products); in3 is available from 50 EUR and in euros only.

What the admin gets

Extensions → Extensions → Payments → Payments with CM.com by CatCode: the tabs “Connection”, “Checkout”, “Order statuses” and “Pro”. In “Connection” you choose the test or production environment, paste the Client ID and Client Secret and click “Check connection”: the module tells you whether CM.com accepted the credentials. The secret is stored encrypted and is never printed back into the form.

“Checkout” holds the method’s titles and descriptions per language, the minimum order total, the geo zone and the order-number prefix sent to CM.com. “Order statuses” holds the statuses “Paid”, “Authorized”, “Needs checking”, “Failed after authorization”, “Cancelled after authorization” and “Refunded in full”. The debug log masks customer data.

The order gets a tab with the CM.com transactions: date, transaction, method, amount and status. The “Check status at CM.com” button rereads the transaction status. If one order is paid twice or a chargeback arrives, the module leaves a note about it in the order.

What Pro adds

In Pro the checkout method can be split into separate ones: iDEAL | Wero, card, Bancontact, Apple Pay, Google Pay, Klarna, in3. For each you switch on “separate at the checkout”, set the order and decide whether the general CM.com option stays next to them. For the general CM.com page you can choose a subset of methods; the payment time is set between 5 and 60 minutes.

Refunds are made from the order page: full or partial, with a reason. CM.com reports the outcome of every refund with a webhook (paid out, failed, cancelled) and the order gets a note; a full refund moves the order to the “refunded” status. Once an hour the module asks CM.com about open payments and refunds on their way (in OpenCart 4 through its own scheduler, in 3.x and 2.3 through the address for the server cron) and confirms a payment whose webhook got lost. The “Check open payments now” button does it by hand.

The payments journal shows payments with the order, method, refunds and status, warns when the amount at CM.com differs from the order, and keeps a request log to CM.com for 30 days without credentials or customer data.

How it works, step by step

1. Install the archive for your OpenCart version and install the extension in Extensions → Extensions → Payments.
2. Get the Client ID and Client Secret of your CM.com account (for a test, the test credentials from CM.com support).
3. In the “Connection” tab choose the environment, paste the credentials and click “Check connection”.
4. In “Checkout” set the title, minimum total and geo zone, in “Order statuses” the statuses, and save.
5. Place a test order in euros: at the payment step choose CM.com and pay on the CM.com page.
6. Open the order in the admin: the CM.com tab shows the transaction with its status.

Under the hood

• CM.com Online Payments API v1: OAuth 2.0 (client credentials), Create Transaction, Get Transaction, Create a Refund, the list of refunds, FINALSTATUS, STATUS_CHANGE and REFUND_STATUS webhooks. The test environment is pay-acceptance.cm.com, production is pay.cm.com.
• An order is marked paid only after Get Transaction: the webhook, the buyer’s return and the result page all read the status from CM.com; the amount, currency and order total are compared before “paid”.
• The buyer’s address is sent with the house number split out (for example 25a) and the postcode without a space.
• In OpenCart 4 the check of open payments runs through the OpenCart scheduler (System → Maintenance → Cron jobs); in 3.x and 2.3 through an address with a secret key.
• Settings stay after the module is reinstalled.
• The interface is in English and Dutch.

How to install

1. Extensions → Installer: upload the archive for your version without renaming it (OpenCart 4: cc_cmcom.ocmod.zip, 3.x: cc_cmcom-oc3.ocmod.zip, 2.3: cc_cmcom-oc2.ocmod.zip).
2. For 3.x and 2.3: Extensions → Modifications → Refresh.
3. Extensions → Extensions → Payments → Payments with CM.com by CatCode: install the extension and open its settings.
4. In “Connection” choose the environment, paste the Client ID and Client Secret and click “Check connection”.
5. In “Checkout” and “Order statuses” set the title, total, geo zone and statuses; save and enable the method.
6. For Pro: enter a key or start the trial in the “Pro” tab.