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Business Rules

Introduction to Publica Payments​

Publica Payments is our integrated payment processing solution that simplifies the checkout experience for both tenants and their customers. With Publica Payments, we manage the payment gateway relationships and configurations on behalf of our tenants, allowing them to start accepting payments immediately without setting up their own payment processor accounts.

How Publica Payments Works​

When tenants use Publica Payments, we handle the payment processing through our pre-configured gateway accounts:

  • MercadoPago: We use MercadoPago exclusively for Argentine Peso (ARS) transactions, providing optimized local payment processing for the Argentine market.
  • Stripe: For all other currencies, we process payments through our Stripe account, offering support for 135+ currencies globally.

This approach allows us to:

  • Provide immediate payment processing capabilities to new tenants
  • Handle gateway relationships and compliance requirements
  • Optimize payment routing based on currency and regional considerations
  • Offer a consistent checkout experience across different markets

Tenants also have the option to configure their own payment gateway accounts for more customized control over their payment processing.

Currency and Gateway Selection​

Default Gateway Rules​

  • Stripe: Primary gateway for most of the currencies. Except for ARS (Argentine Peso) when using Publica Payments.
  • MercadoPago: Default gateway for ARS (Argentine Peso) transactions.
  • PayU: Only available in Colombia for COP (Colombian Peso) transactions.
warning

PayU is deprecated and will be removed in a future release.

Currency Support by Gateway​

MercadoPago​

Supported currencies:

  • ARS (Argentine Peso)
  • MXN (Mexican Peso)
  • COP (Colombian Peso)
  • PEN (Peruvian Sol)
  • CLP (Chilean Peso)
  • UYU (Uruguayan Peso)
important

MercadoPago supports all the currencies listed above only when is used with tenants own account.

Stripe​

PayU (Legacy)​

Supported currencies:

  • COP (Colombian Peso)

Currency Conversion​

Primary Documentation

For comprehensive information about currency conversion in the Publica platform, please refer to the Pricing Management documentation.

When the content is taken from the Marketplace, the Platform will convert the price to the user's currency using the fixer.io API.

User Experience​

Here's how the process works for users:

When users are ready to complete their purchase, they'll experience the following steps at the shopping cart:

  1. Currency Selection

    • Users can choose their preferred payment currency during checkout
    • When a product has prices in both primary and secondary currencies, the system automatically suggests the primary currency configured by the tenant, regardless of the user's location
    • For subscription products: If a product is only priced in the secondary currency, the system will automatically select that currency in the cart
    • If secondary currencies are configured, users can switch to these alternatives during checkout
    • For example, if a tenant has configured ARS as primary and USD as secondary, all users will see ARS by default, even those located in the United States

  2. Smart Gateway Selection Our system automatically determines the best payment options by considering the selected currency

  3. Gateway Checkout Process When the user clicks on "Go to Checkout" it is redirected to the checkout process of the selected Gateway (Stripe or MP)

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