PayByCloud

PayByCloud is our semi-integrated payments solution that you can use to run card sales and refunds without the need of a direct connection between the Point of Sale (POS) and the payment device.
Since our gateway communicates with the payment device and the payments processor, integrating with PayByCloud to take payments is straightforward.

How it works

The following diagram describes the flow of a transaction between the POS, our gateway, and the payment device. Initiate a transaction
  1. The POS sends an instruction to our gateway.
  2. Our gateway passes the instruction to the payment device.
  3. The payment device confirms that it received the instruction.
  4. Our gateway sends a response to the POS that contains an identifier for the instruction.

Run the transaction
  1. The payment device captures the card details.
  2. The payment device sends the transaction details to our gateway.
  3. Our gateway sends the transaction details to the processor.
  4. The processor sends a response to our gateway.
  5. Our gateway sends the response to the payment device.

Get a link to the transaction
  1. The POS sends a request to our gateway to check the status of the instruction.
  2. Our gateway sends the response to your POS that contains a HATEOAS link to view the transaction.

View the transaction
  1. The POS sends a request to our gateway to view the details of the transaction.
  2. Our gateway sends a response to the POS that contains details about the transaction.
To run follow-on actions, for example, to void a sale or to view the details of a refund, use the methods in our Payroc API.

Differences with fully integrated solutions

Effort

Fully integrated: You need to develop a method for your POS to communicate with your payment device. You may also need to develop an app for the payment device. PayByCloud: Your POS communicates with the payment device through our gateway. Your POS can even communicate with payment devices on different networks.

Security

Fully integrated: You need to develop an app for the payment device and make sure it follows the Payment Application Data Security Standards (PA-DSS), or Payment Card Industry Data Security Standards (PCI-DSS). PayByCloud: You use our Payroc app, which already follows PCI-DSS principles.

What we do

We provide the payments devices with the Payroc app installed. Note: When you use PayByCloud, the Payroc app runs only sales and refunds.

What you do

Integrate your POS software with our API. To help you integrate, follow our guides.