Keep OpenCart. Get more from your payments.
Keep your OpenCart store exactly as it is. Connect Finix through Cybersource for transparent pricing, dedicated support, without rebuilding your storefront or changing the customer checkout experience.
What you get with Finix
Credit and debit cards
Accept credit and debit cards through your OpenCart store.
Recurring payments
Confirmed as a supported feature of the Cybersource OpenCart integration.
Fraud management tools
Built-in fraud management tools to help reduce payment risk.
Interchange-plus pricing
Priced against actual card network interchange rather than a blended flat rate. A Finix account-level feature.
Finix vs. PayPal and Stripe extensions
Finix | PayPal & Stripe extensions | |
|---|---|---|
Pricing model | Interchange-plus pricing through Cybersource. Gateway fees depend on your Cybersource agreement. | PayPal: roughly 2.99% + $0.30 to 3.49% + $0.49 domestic, plus 1.5% international (figures vary by account type). Stripe: 2.9% + $0.30 domestic, plus 1.5% international and 1% currency conversion. OpenCart has no single native processor, so pricing depends on which extension a merchant installs. |
Payout timing | Configured during onboarding with your Finix team. | PayPal: 1–3 business days free, or instant for a 1.75% fee capped at $25. Stripe: first payout takes 7–10 business days, then a rolling 2- or 7-day schedule. |
Account holds and disputes | Dedicated account support to help you navigate disputes and account reviews. | Payment reviews and temporary account holds can occur depending on each provider's risk processes. |
Payment methods | Cards, eCheck, and recurring payments. Contact your Finix team to confirm Apple Pay and Google Pay support for your OpenCart integration. | PayPal Checkout, Pay Later, and Venmo (US) through the PayPal extension. Cards, Apple Pay, Google Pay, and other regional payment methods through compatible Stripe extensions. |
Merchant account | Individual merchant account (Direct Merchant). | Merchant account structure depends on the payment extension you choose. |
Support model | Dedicated payment specialists who know your account. | Support quality depends on the payment extension and provider you choose. |
Quick recap of Finix vs. PayPal and Stripe extensions
OpenCart doesn't include a single default payment processor, so merchants often use separate PayPal or Stripe extensions, each with its own pricing and support model. Finix consolidates this into one interchange-plus relationship through Cybersource. The real trade-off is version compatibility: this integration only supports OpenCart 3.0.3.7 through 3.0.3.9, so merchants on newer or older builds should confirm compatibility first.
How it works
Switch your payment processor without switching your ecommerce platform. Finix is built so you can move from application to processing without a drawn-out integration.
Get started.
Add your Finix account details.
Go live.
What this integration requires
Finix connects to OpenCart using the Cybersource Marketplace extension rather than a native Finix plugin.
Payment gateway
Routed through a Cybersource Gateway integration, installed as an extension from the OpenCart Marketplace.
Code changes
None. Setup happens in OpenCart’s admin (Extensions → Payments → Cybersource) and the Cybersource Business Center.
Command-line or Composer install
None.
Developer needed
Most technically comfortable store administrators can complete setup without a developer. You'll need to enter three Cybersource credentials manually and use OpenCart version 3.0.3.7–3.0.3.9.
Why merchants switch to Finix
Pain point | Finix solution |
|---|---|
OpenCart merchants often piece together separate payment extensions, each with its own pricing, support, and management experience. | Finix consolidates payment acceptance into one interchange-plus relationship through the Cybersource gateway integration, so merchants aren’t managing separate fee structures and extension vendors for cards versus digital wallets. |
Merchants want responsive support when payments are delayed or accounts are reviewed. | Finix’s dedicated account support works through disputes and holds directly with merchants, rather than routing them through an automated risk queue. |
Payment support often depends on whichever extension or provider you're using. | Support on Finix’s OpenCart integration comes from a human account team, not a ticket queue, so merchants have a direct line for payments questions. |
Everything you need to accept and manage payments
Online, in person, recurring, or on demand. Finix gives you every tool in one place.
Frequently asked questions
Yes. Finix connects to OpenCart through a Cybersource Gateway integration, so your storefront, catalog, and checkout flow stay the same. You’re changing how payments are processed, not your platform.
Setting up Finix means disabling your existing payment extension and making the Cybersource Credit Card and eCheck modules your active payment methods. They don’t run side by side. Your store, catalog, and customer data stay unchanged.
Not strictly. Setup happens through an OpenCart Marketplace extension and OpenCart’s own admin settings, without custom code. You will need to manually enter three separate Cybersource credentials, and your store must run OpenCart 3.0.3.7, 3.0.3.8, or 3.0.3.9.
Nothing changes. Order history, catalog, and customer data live in OpenCart regardless of which payment gateway is active. Switching to Finix only changes how new transactions are processed.
Not confirmed. Finix’s Cybersource extension for OpenCart confirms card payments, 3D Secure, tokenization, recurring payments, and eCheck. Apple Pay and Google Pay aren’t named in Finix’s or Cybersource’s OpenCart documentation; check with your integrations contact if these are required.
OpenCart 3.0.3.7, 3.0.3.8, or 3.0.3.9. Confirm your store’s version before starting setup, since the Cybersource extension isn’t documented for other OpenCart releases.