Payments
To take payments from a card, bank account, or digital wallet, use our Payments endpoints. You can use our Payments endpoints in the following channels:
- In-person payments – Accept payments on a physical terminal.
- Online payments – Accept payments through online checkout.
- MOTO payments – Accept payments by telephone, email, and written request.
After you integrate with the Payments endpoints, your merchant can:
- Run transactions including sales and refunds.
- Schedule repeat payments.
- Save the customer’s payment details.
- Verify that payment details are valid.
Run transactions
We offer the following transaction types:
- Sale
- Pre-authorization and capture
- Referenced refund and unreferenced refund
- Reversal
When you integrate against the Payments endpoints, you can offer the following features:
- Currency conversion - Give customers the option to pay in their own currency if the merchant’s currency is different.
- Offline processing – Accept payments even if the terminal can’t connect to the gateway, for example, if the terminal has an unreliable internet connection.
- Surcharging – Add a surcharge to the customer’s total price to cover the cost of the merchant’s card processing fees.
- Tipping – Present tip options to customers at the time of the transaction.
Schedule repeat payments
Integrate with our payment plans and subscriptions method so that your merchants can offer repeat payments to their customers. This can either be recurring payments with no end date, or a series of instalment payments for a fixed period.
To set up and manage repeat payments, you can either:
OR
Save payment details
Using our tokenization solution, the merchant can save a customer’s payment details for future payments, which means a faster checkout.
You store the payment details in either our vault or your own vault, and we return a token that a merchant uses instead of the payment details. Each time the merchant uses the token, it keeps sensitive payment information off their POS, which makes it more secure.
There are two types of tokens that you can create:
- Secure tokens - A token that the merchant can use multiple times. This saves time at the checkout for the merchant and the customer.
- Single use tokens – A temporary token that the merchant can use only once. The token expires after 30 minutes.
Verify payment details
For online or MOTO transactions, your merchant can send extra information to verify the payment details:
- Address Verification Service (AVS) – Compares the billing address that the customer uses in the transaction with the billing address that the customer provided to their issuing bank.
- Card Verification Value (CVV) – Three-digit number on a payment card that proves that the customer has the card.
- 3-D Secure - Two-factor authentication for every online purchase that requires a customer to verify their identity.
We have two endpoints that you can integrate against to make sure payment details are valid without running a sale: