Your own account or through JPRAXC
The two ways a gateway can be connected to the School ERP, and why the money reaches the school's own bank account either way.
A payment gateway can be connected to the School ERP in two ways. In both, the school is the merchant, and the gateway settles the fees to the school's own registered bank account. What differs is who holds the connection details the ERP uses to talk to the gateway.
The school's own merchant account (the usual way)#
This is how every gateway on the Payment Configuration screen is connected.
- The school opens a merchant account directly with the gateway and completes the gateway's KYC.
- The gateway gives the school its keys for test and live use.
- The school administrator pastes those keys into the gateway's card in General Settings › Payment Configuration.
- The school deals with the gateway directly for charges, settlements, disputes and account changes.
Every gateway guide in this section describes this way.
PhonePe through JPRAXC#
PhonePe can also be connected through JPRAXC, because JPRAXC works with PhonePe as a technical service provider for schools. On the PhonePe card the choice is the Integration field:
| Integration option | What it means |
|---|---|
| The school's own PhonePe merchant credentials | PhonePe issued the Client ID, secret and version to the school. Same as the usual way above. |
| Through JPRAXC as PhonePe technical service provider (TSP) | The school is still a PhonePe merchant with its own merchant ID, and money still settles to the school's own bank account. The connection details in Client ID, Client secret and Client version are the ones JPRAXC provides for this arrangement. The school's own merchant ID goes in End merchant ID (X-MERCHANT-ID). |
To use it, ask JPRAXC support to arrange PhonePe through JPRAXC. PhonePe still onboards the school as a merchant and does its own checks. Then follow PhonePe, choosing the through-JPRAXC option.
What is the same either way#
- Parents pay on the gateway's own secure page.
- The gateway settles to the school's registered bank account, under the gateway's settlement schedule and charges.
- JPRAXC does not become the merchant, does not hold the school's collections, and the software deducts nothing from them. There is no wallet, pooled account or split of the money in the ERP.
- The ERP confirms every payment with the gateway before it posts a receipt.
- JPRAXC software subscriptions and the payment gateway integration charge are billed separately by JPRAXC. They are never taken out of fee payments.
Good to know#
- Parents do not need to know which way a gateway is connected. On Pay with, the Parent app shows each gateway with the merchant name, or School merchant account.
- A school can have both kinds live at the same time. Both are offered to parents.
- Switching a gateway off for new payments does not stop refunds, confirmations or reconciliation of payments already made through it.
