[IMP] general: add new doc about payment acquirers (#676)

- Updates the main current doc about Payment Acquirers with a completely new doc
- Moves some docs from ecommerce to general
- redirects

  - ecommerce/shopper_experience/payment --> general/payment_acquirers/payment_acquirers
  - ecommerce/shopper_experience/authorize --> general/payment_acquirers/authorize
  - ecommerce/shopper_experience/paypal --> general/payment_acquirers/paypal
  - ecommerce/shopper_experience/wire_transfer --> general/payment_acquirers/wire_transfer

ecommerce/shopper_experience.rst

@@ -5,10 +5,6 @@ Get paid
 .. toctree::
    :titlesonly:
 
-   shopper_experience/payment
-   shopper_experience/paypal
-   shopper_experience/authorize
-   shopper_experience/wire_transfer
    shopper_experience/payment_acquirer
    shopper_experience/portal
 

ecommerce/shopper_experience/payment.rst

@@ -1,111 +0,0 @@
-======================================
-How to get paid with payment acquirers
-======================================
-
-Odoo embeds several payment methods to get paid on eCommerce, Sales 
-and Invoicing apps.
-
-
-What are the payment methods available
-======================================
-
-Wire transfer
--------------
-
-Wire Transfer is the default payment method available. The aim is providing your
-customers with your bank details so they can pay on their own via their bank.
-This is very easy to start with but slow and inefficient process-wise. 
-Opt for online acquirers as soon as you can!
-
-Payment acquirers
------------------
-
-Redirect your customers to payment platforms to collect money effortless
-and track the payment status (call-back).
-Odoo supports more and more platforms over time: 
-
-* `Paypal <paypal.html>`__
-* Ingenico
-* Authorize.net
-* Adyen
-* Buckaroo
-* PayUmoney
-* Sips
-* Stripe
-
-
-How to go live
-==============
-
-Once the payment method is ready, make it visible in the payment interface 
-by switching the state to **Enabled**.
-
-.. image:: media/paypal_live.png
-    :align: center
-
-
-How to let customers save and reuse credit cards
-================================================
-To ease the payment of returning customers, you can let them
-save and reuse a credit card if they want to.
-If so, a payment token will be saved in Odoo.
-This option is available with Ingenico and Authorize.net.
-
-You can turn this on from the acquirer configuration form.
-
-.. image:: media/payment_save_card.png
-    :align: center
-
-
-How to debit credit cards to pay subscriptions
-==============================================
-`Odoo Subscription <https://www.odoo.com/page/subscriptions>`__ allows to
-bill services automatically on a recurring basis.
-Along with it, you can have an automatic debit of the customer's credit card.
-
-This option is available with Ingenico and Authorize.net.
-
-You can turn this on from the acquirer configuration form.
-
-.. image:: media/payment_recurring.png
-    :align: center
-
-That way a payment token will be recorded when the customer
-goes for the subscription and an automatic debit will occur
-whenever an invoice is issued from the subscription.
-
-
-How to use other acquirers (advanced)
-=====================================
-
-Odoo can submit single payment requests and redirect to any payment acquirer.
-But there is no call-back, i.e. Odoo doesn't track the transaction status.
-So you will confirm orders manually once you get paid.
-
-How to:
-
-* Switch to :doc:`Developer mode <../../../general/developer_mode/activate>`.
-
-* Take the **Custom** payment method.
-
-* Set up the payment form (S2S Form Template) as instructed by your payment acquirer. 
-  You can start from *default_acquirer_button* that you can duplicate.
-
-
-Other configurations
-====================
-
-Odoo can also be used for more advanced payment processes
-like installment plans (e.g. 
-`Paypal Installment Plans <https://developer.paypal.com/docs/classic/paypal-payments-standard/integration-guide/installment_buttons>`__).
-
-Such a customization service is made on-demand by our technical experts
-based on your own requirements. A business advisor can reach you out for
-such matter. `Contact us <https://www.odoo.com/page/contactus>`_.
-
-
-.. seealso::
-
-  * :doc:`paypal`
-  * :doc:`wire_transfer`
-  * :doc:`payment_acquirer`

general.rst

@@ -12,5 +12,6 @@ General
    general/base_import
    general/auth
    general/tags
+   general/payment_acquirers
    general/in_app_purchase
    general/developer_mode

general/payment_acquirers.rst

@@ -0,0 +1,11 @@
+=================
+Payment Acquirers
+=================
+
+.. toctree::
+   :titlesonly:
+
+   payment_acquirers/payment_acquirers
+   payment_acquirers/wire_transfer
+   payment_acquirers/paypal
+   payment_acquirers/authorize

general/payment_acquirers/authorize.rst

@@ -77,5 +77,5 @@ provided in the `Authorize.Net Testing Guide <https://developer.authorize.net/he
 
 .. seealso::
 
-  * :doc:`payment`
+  * :doc:`payment_acquirers`
-  * :doc:`payment_acquirer`
+  * :doc:`../../ecommerce/shopper_experience/payment_acquirer`

general/payment_acquirers/payment_acquirers.rst

@@ -0,0 +1,226 @@
+================================================
+Payment Acquirers (Credit Cards, Online Payment)
+================================================
+
+Odoo embeds several **payment methods** that allow your customers to pay on their *Customer Portals*
+or your *eCommerce website*. They can pay Sales Orders, invoices, or subscriptions with recurring
+payments with their favorite payment acquirers, including **online payment providers** that accept
+**Credit Cards**.
+
+Having several payment methods increases the chances of getting paid in time, or even immediately,
+as you make it more convenient for your customers to pay with the payment method they prefer and
+trust.
+
+.. image:: media/payment-acquirers-online-payment.png
+   :align: center
+   :alt: Pay online in the customer portal and select which payment acquirer to use.
+
+.. important::
+   Odoo does not keep Credit Card numbers or credentials on its servers, nor is it stored on Odoo
+   databases hosted elsewhere. Instead, Odoo apps use a unique reference to the data stored in the
+   payment acquirers' systems, where the information is safely stored. This reference is useless
+   without your credentials for the payment acquirer.
+
+.. _payment_acquirers/acquirers:
+
+Payment Acquirers
+=================
+
+From an accounting perspective, we can distinguish two types of payment acquirers: the payments that
+go directly on the bank account and follow the usual reconciliation workflow, and the payment
+acquirers that are third-party services and require you to follow another accounting workflow.
+
+.. _payment_acquirers/bank_payments:
+
+Bank Payments
+-------------
+
+- | :doc:`Wire Transfer <wire_transfer>`
+  | When selected, Odoo displays your payment information with a payment reference. You have to
+    approve the payment manually once you have received it on your bank account.
+- | SEPA Direct Debit
+  | Your customers can sign a SEPA Direct Debit mandate online and get their bank account charged
+    directly. :doc:`Click here <../../accounting/receivables/customer_payments/batch_sdd>` for more
+    information about this payment method.
+
+.. _payment_acquirers/online_providers:
+
+Online Payment Providers
+------------------------
+
++-------------------------------------+----------------------+-----------+------------+-----------------+
+|                                     | Redirection to       | Payment   | Save Cards | Capture Amount  |
+|                                     | the acquirer website | from Odoo |            | Manually        |
++=====================================+======================+===========+============+=================+
+| Adyen                               | ✔                    |           |            |                 |
++-------------------------------------+----------------------+-----------+------------+-----------------+
+| Alipay                              | ✔                    |           |            |                 |
++-------------------------------------+----------------------+-----------+------------+-----------------+
+| :doc:`Authorize.Net <authorize>`    | ✔                    | ✔         | ✔          | ✔               |
++-------------------------------------+----------------------+-----------+------------+-----------------+
+| Buckaroo                            | ✔                    |           |            |                 |
++-------------------------------------+----------------------+-----------+------------+-----------------+
+| Ingenico                            | ✔                    | ✔         | ✔          |                 |
++-------------------------------------+----------------------+-----------+------------+-----------------+
+| :doc:`PayPal <paypal>`              | ✔                    |           |            |                 |
++-------------------------------------+----------------------+-----------+------------+-----------------+
+| PayUMoney                           | ✔                    |           |            |                 |
++-------------------------------------+----------------------+-----------+------------+-----------------+
+| SIPS                                | ✔                    |           |            |                 |
++-------------------------------------+----------------------+-----------+------------+-----------------+
+| Stripe                              | ✔                    | ✔         | ✔          |                 |
++-------------------------------------+----------------------+-----------+------------+-----------------+
+
+.. note::
+   Some of these Online Payment Providers can also be added as :doc:`Bank Accounts
+   <../../accounting/bank/setup/bank_accounts>`, but this is **not** the same process as adding them
+   as Payment Acquirers. Payment Acquirers allow customers to pay online, and Bank Accounts are
+   added and configured on your Accounting app to do a bank reconciliation, which is an accounting
+   control process.
+
+.. _payment_acquirers/configuration:
+
+Configuration
+=============
+
+Some of the features described in this section are available only with some Payment Acquirers. Refer
+to :ref:`the table above <payment_acquirers/online_providers>` for more details.
+
+.. _payment_acquirers/add_new:
+
+Add a new Payment Acquirer
+--------------------------
+
+To add a new Payment acquirer and make it available to your customers, go to
+:menuselection:`Accounting --> Configuration --> Payment Acquirers`, look for your payment acquirer,
+install the related module, and activate it. To do so, open the payment acquirer and change its
+state from *Disabled* to *Enabled*.
+
+.. image:: media/payment-acquirers-activation.png
+   :align: center
+   :alt: Click on install, then on activate to make the payment acquirer available on Odoo.
+
+.. warning::
+   We recommend using the *Test Mode* on a duplicated database or a test database. The Test Mode is
+   meant to be used with your test/sandbox credentials, but Odoo generates Sales Orders and Invoices
+   as usual. It isn't always possible to cancel an invoice, and this could create some issues with
+   your invoices numbering if you were to test your payment acquirers on your main database.
+
+.. _payment_acquirers/credentials_tab:
+
+Credentials tab
+~~~~~~~~~~~~~~~
+
+If not done yet, go to the **Online Payment Provider**'s website, create an account, and make sure
+to have the credentials required for third-party use. Odoo requires these credentials to communicate
+with the Payment Acquirer and get the confirmation of the *payment authentication*.
+
+The form in this section is specific to the Payment Acquirer you are configuring. Please refer to
+the related documentation for more information.
+
+.. _payment_acquirers/configuration_tab:
+
+Configuration tab
+~~~~~~~~~~~~~~~~~
+
+You can change the Payment Acquirer front-end appearance by modifying its name under the **Displayed
+as** field and which credit card icons to display under the **Supported Payment Icons** field.
+
+.. _payment_acquirers/save_cards:
+
+Save and reuse Credit Cards
+***************************
+
+With the **Save Cards** feature, Odoo can store **Payment Tokens** in your database, which can be
+used for subsequent payments, without having to reenter the payment details. This is particularly
+useful for subscriptions' recurring payments.
+
+.. _payment_acquirers/capture_amount:
+
+Place a hold on a card
+**********************
+
+If the **Capture Amount Manually** field is enabled, the funds are reserved for a few days on the
+customer's card, but not charged yet. You must then go to the related Sales Order and manually
+*capture* the funds before its automatic cancellation, or *void the transaction* to unlock the funds
+from the customer's card.
+
+.. _payment_acquirers/payment_flow:
+
+Payment Flow
+************
+
+Choose in the **Payment Flow** field if to redirect the user to the payment acquirer's portal to
+authenticate the payment, or if to stay on the current page and authenticate the payment from Odoo.
+
+.. note::
+   Some features are available only if you select *Redirection to the acquirer website*.
+
+.. _payment_acquirers/countries:
+
+Countries
+*********
+
+Restrict the use of the Payment Acquirer to a selection of countries. Leave this field blank to make
+the Payment Acquirer available to all countries.
+
+.. _payment_acquirers/journal:
+
+Payment Journal
+***************
+
+The **Payment Journal** selected for your Payment Acquirer must be a *Bank* journal.
+
+.. important::
+   In many cases, Odoo automatically creates a new **Journal** and a new **Account** when you
+   activate a new Payment Acquirer. Both of them are preset to work out-of-the-box, but we strongly
+   recommend you to make sure these fields are correctly set according to your accounting needs, and
+   adapt them if necessary.
+
+.. _payment_acquirers/messages:
+
+Messages tab
+~~~~~~~~~~~~
+
+Change here the messages displayed by Odoo after a payment's confirmation or failure.
+
+.. _payment_acquirers/accounting:
+
+Accounting perspective
+======================
+
+The **Bank Payments** that go directly to one of your bank accounts follow their usual
+reconciliation workflows. However, payments recorded with **Online Payment Providers** require you
+to consider how you want to record your payments' journal entries. We recommend you to ask your
+accountant for advice.
+
+Odoo default method is to record the payments on a *Current Assets Account*, on a dedicated *Bank
+Journal*, once the *Payment Authentication* is confirmed. At some point, you transfer the funds from
+the *Payment Acquirer* to your *Bank Account*.
+
+Here are the requirements for this to work:
+
+- Bank Journal
+
+  - The Journal's **type** must be *Bank Journal*.
+  - Select the right **Default Debit Account** and **Default Credit Account**.
+  - | Under the *Advanced Settings* tab, make sure that **Posting** is set as *Post At Payment
+      Validation*.
+    | This implies that the Journal Entry is recorded directly when your Odoo database receives the
+      confirmation of the *Payment Authentication* from the Online Payment Provider.
+
+- Current Asset Account
+
+  - The Account's **type** is *Current Assets*
+  - The Account must **Allow Reconciliation**
+
+.. note::
+   In many cases, Odoo automatically creates a new **Journal** and a new **Current Asset Account**
+   when you activate a new Payment Acquirer. You can modify them if necessary.
+
+.. seealso::
+
+   - :doc:`../../accounting/receivables/customer_payments/recording`
+   - :doc:`wire_transfer`
+   - :doc:`authorize`
+   - :doc:`paypal`

general/payment_acquirers/paypal.rst

@@ -203,5 +203,5 @@ when a fictitious transaction is completed.
 Run a test transaction from Odoo using the sandbox personal account.
 
 .. seealso::
-   - :doc:`payment`
+   - :doc:`payment_acquirers`
-   - :doc:`payment_acquirer`
+   - :doc:`../../ecommerce/shopper_experience/payment_acquirer`

redirects.txt

@@ -146,3 +146,8 @@ helpdesk/reinvoice_from_project.rst helpdesk/timesheet_and_invoice/reinvoice_fro
 
 planning/duplicate_a_planning.rst planning/overview/duplicate_a_planning.rst    # (#567)
 planning/send_planned_shifts.rst planning/overview/send_planned_shifts.rst      # (#567)
+
+ecommerce/shopper_experience/payment.rst general/payment_acquirers/payment_acquirers.rst                                            # ecommerce/shopper_experience/payment --> general/payment_acquirers/payment_acquirers
+ecommerce/shopper_experience/authorize.rst general/payment_acquirers/authorize.rst                                                  # ecommerce/shopper_experience/* --> general/payment_acquirers/*
+ecommerce/shopper_experience/paypal.rst general/payment_acquirers/paypal.rst                                                        # ecommerce/shopper_experience/* --> general/payment_acquirers/*
+ecommerce/shopper_experience/wire_transfer.rst general/payment_acquirers/wire_transfer.rst                                          # ecommerce/shopper_experience/* --> general/payment_acquirers/*

sales/send_quotations/get_paid_to_validate.rst

@@ -22,9 +22,9 @@ feature.
 There, you will have direct access to the **Payment Acquirers** page. It will allow you to select
 and configure your acquirers of choice. Before creating or modifying a payment acquirer, be sure to
 check out our documentation about how to be paid with payment acquirers such as
-:doc:`../../ecommerce/shopper_experience/paypal`,
+:doc:`../../general/payment_acquirers/paypal`,
-:doc:`../../ecommerce/shopper_experience/authorize`, and others in the :doc:`../../ecommerce`
+:doc:`../../general/payment_acquirers/authorize`, and others in the
-documentation.
+:doc:`../../general/payment_acquirers` documentation.
 
 .. note::
    If you are familiar with this documentation: :doc:`quote_template`; you
@@ -48,8 +48,8 @@ possibilities to make their online payments. For example:
 
 .. seealso::
    - :doc:`quote_template`
-   - :doc:`../../ecommerce`
+   - :doc:`../../general/payment_acquirers`
-   - :doc:`../../ecommerce/shopper_experience/paypal`
+   - :doc:`../../general/payment_acquirers/paypal`
-   - :doc:`../../ecommerce/shopper_experience/authorize`
+   - :doc:`../../general/payment_acquirers/authorize`