FoxyCart's payment set functionality introduces the ability for a single store to offer different groups of payment gateway configurations. This can be very useful for situations where you need to only offer a specific set of payment options in different checkouts, whether based on the currency of the cart, or related to specific types of products. Payment sets are applied to a checkout session through the template set that it is assigned to.

As an example - let's take a store that offers the ability for customers to pay in both USD, CAD and Euro. Due to the requirements of their business they need to be able to settle those payments in each currency using a local merchant account to that region, use a different payment gateway for accepting cards in the EU, and only accept PayPal for USD based transactions.

With payment sets, along with our template set functionality, they can achieve this set up. They would create a template set and payment set for each different currency, assigning each payment set to it's respective template set. They can then select the necessary payment gateways and enter the needed credentials for each individual payment set as required - for example only enabling PayPal on the USD payment set and selecting the alternate payment gateway needed for the EU.

Payment Sets encapsulate all of the payment gateway options, can be individually set to test or live payment servers, as well as including the anti-fraud integrations for minFraud, Google reCAPTCHA, and the pre-checkout hook for custom validations.