An external changelog provides with essential updates on features, security, compliance, and interface changes, helping them stay informed about developments affecting their use of the product.

It aids in understanding the implications of these changes for business operations and in planning any necessary adaptations in systems or processes.

2024

June

Alternative payments

• Updated the flow image with the list of all fields that can be returned for Guide
  Boleto Bancário enhances online shopping in Brazil by offering a flexible voucher payment method. Boleto , Guide
  Efecty expands access to e-commerce in Colombia with a large number of cash acceptance points. Efecty , Guide
  OXXO vouchers enhance Mexico's payment landscape. OXXO , Guide
  Sencillito streamlines payments in Chile with its cash payment system. Sencillito , and Guide
  Servipag provides universal payment solutions in Chile. Servipag

Subscriptions

• Added information that an Guide
  Product archiving is a convenient approach to maintaining an organized and clutter-free view of your current product catalog, making it easier to manage and update active products. archived product can be duplicated to create a new offer
• Guide
  Subscription restoration resumes a cancelled subscription with the billing period adjusted based on the defined expiration date. Restore subscription page is updated to include information about verifying existing subscriptions with the same customer_account_id and product_id combination and checking if the subscription is already being processed to avoid duplicates and unwanted charges

May

Payment form

• Extended the list of Guide
  The Payment Form can be automatically translated to the customer's preferred language, enhancing the overall checkout experience and improving conversion rates. supported translations with el, hr, hu, sk, sr, ur for reaching a broader global customer base.
  

Payment page

• Extended the list of:
  • Guide
    The Payment Page adapts automatically based on the configuration to enhance the checkout experience, ensuring clarity and ease of use. supported translations with da, fr, sv, fi, el, no for reaching a broader global customer base, which also applies to Payment Link API
  • alternative payments with Guide
    BLIK streamlines online payments in Poland, enabling direct bank account transactions. Blik and Guide
    MB WAY enhances digital payments in Portugal. MB WAY to increase conversion rates in respective markets
• Implemented an additional field rule, india_zip field, for entering the Indian ZIP code. It matches its usage on the Guide
  Similar to the Payment Form, the Payment Page can have the necessary additional fields. This enables dynamically displaying relevant fields based on the customer's location, improving data collection accuracy and providing a tailored checkout experience. Payment Form .
  

Alternative payments

• Implemented Guide
  Cash App Pay lets customers make online and in-app purchases with the stored funds or with their linked credit and debit cards or bank account. Cash App Pay , a US digital wallet to expand payment options for the US customers.
  

Subscriptions

• Improved:
  • the calculation for the next charge date after the Guide
    During the redemption period when failed subscription payments occur, Solidgate calculates the next charge date and retries the invoice collection with optimized intervals, ensuring proper billing cycles. redemption period , ensuring accurate billing and positive customer experience
  • the Guide
    The trial price can be set in the smallest currency unit that allows creating attractive trial offers and promotions to increase customer acquisition and engagement. trial price setting in the smallest currency unit
• Implemented the Guide
  Product archiving eases active product management while preserving historical records of discontinued offerings for easy reference. Archive product feature in the new HUB version for enhanced product catalog management.
  

April

Payment form

• Integrated PayPal SDK into the Payment Form SDK as a payment button, with simulated transport for collecting payments and a callback for processing payments; also updated the Guide
  Efficiently integrate a resign payment form with saved card details. Resign Form SDK.
• Implemented:
  • an Guide
    Solidgate Payment Form will check the Card BIN and receive a list of necessary additional fields according to information about the BIN country (the first 6 digits). additional field rule, india_zip field, for entering the Indian ZIP code
  • the display of logos of more brands, cardbrands field, on the form
    

Card payments

• Updated the Guide
  Auto-settle is a feature that automatically settles orders if you provide a settle_interval value in your charge requests with the type auth. auto-settle logic description and expanded the validation rule for settle_interval.
  

Alternative payments

• Removed M-Pesa (Africa) from available Guide
  Connect alternative payment methods to boost your checkout conversion. Solidgate offers diverse payment methods, aiding merchants in understanding and catering to local preferences globally. payment methods .
  

March

• Improved a detailed Guide
  Simulate payments to test your integration before launching in production. testing guide for pre-launch integration, including sandbox testing, scenario simulations, and error handling.
• Added:
  • Guide
    Specific IP addresses are used for outbound requests to external services for secure and effective communication. outgoing request tracking for IP addresses to enhance network security and monitoring
  • Guide
    The payment failed due to a technical issue on the provider’s or processor’s side. 6.03 processing issue decline code, advising to retry the payment or use an alternative card

Payment form

• Added:
  • resign payment form to Kotlin, Node.js, Go, Python, and PHP SDKs
  • a subscription flow to the Guide
    Efficiently integrate a resign payment form with saved card details. resign payment form , requiring product_price_id for product pricing and customer_account_id for customer identification
    

Payment page

• Enhanced the Payment Page Guide
  The language of the information on the payment page is determined by: language parameter passed; browser language, if no parameter. translations by adding Romanian ro, further supporting our global user base and improving accessibility for Romanian-speaking customers.
  

February

Payment form

• Implementation of CPF brazil_cpf validation improves payment accuracy by enabling users to correct entered data before submission.
• Introduced type validation for the Payment Form FormParams to ensure data integrity and accurate form submissions.
• Updated the cardholder name card_holder validation regular expression to ^\w.{2,50}\w$ for both the payment form and payment page, enhancing accuracy in user input.
• Added:
  • Guide
    The Payment Form is optimized for secure environments and is not suitable for embedding within merchant’s iframes or on HTTP web pages. Iframe and HTTP Limitations , detailing the constraints for embedding the Payment Form in iframes and on HTTP pages, particularly affecting Apple Pay and Google Pay transactions
  • Guide
    These insights help merchants understand common issues and optimize their strategies for successful resign transactions, enhancing customer experience and potentially boosting conversion rates. error insights , explaining common errors in resign transactions and their impact on success rates and customer experience
• Implemented a feature to notify users about potential Guide
  This process is designed to enable secure and reliable payment processing through the use of 3D Secure (3DS) with challenge authentication flow. 3D Secure verification on the Payment Form, preventing misconceptions of form unresponsiveness.
  

Payment page

• Added Guide
  Additional information about the payment page. page insights , providing comprehensive guidance on creating a Solidgate payment page and generating Guide
  After creating the Solidgate Payment Page, the subsequent step involves generating a QR code, enabling customers to easily initiate payments. QR codes , essential for enhancing payment experiences, especially on smart TVs.
  

Alternative payments

• Implemented Guide
  Unified Payments Interface (UPI), India's premier payment solution, boasts high transaction success rates. UPI as a new payment method that supports seamless transactions in India with the possibility of refunds and certain transaction limits.
• Added details on Guide
  This overview assists merchants in seamlessly integrating payment solutions for the Indian market, addressing crucial aspects like status delays, transaction limits, decline reasons, and specific payment flows. India-specific integration requirements for payments, covering status delays, transaction limits, decline reasons, and payment flows for cards and UPI.
  

Subscriptions

• Updated Guide
  This cancel code occurs when customers revoke their billing token by contacting customer support side or on PayPal’s. cancel code 8.11 to reflect the specifics of declining recurring payments when receiving Guide
  Merchant Advice Codes (MACs) are introduced by Mastercard to clearly communicate to merchants the reason for declining transactions, and the course of action that merchants can take. MACs such as 3 and 21.
• The Guide
  This feature prevents subscription interruptions, whether triggered by card-related issues or a desire to switch to an alternative payment source. update subscription token feature has been added, ensuring seamless subscription management and reducing payment disruptions.
• Implemented the return Guide
  This cancel code is used when a decline occurs on a recurring payment, and retries during the redemption period have been activated but were unsuccessful, resulting in the automatic cancellation of the customer’s subscription. cancel code 2.09 to indicate an invalid expiration date when the card linked to a token has expired, ensuring accurate payment processing.
• Enhanced the API Reference by allowing the creation API and update API of product prices with a maximum value, and enabling a settle interval settle_interval of 0 for flexible scheduling.
  

HUB

• Added a geo_country filter to the Hub dashboard to enable user location-based analytics.
• Updated the Sign Up form to allow the entry of Instagram/Facebook handles in the designated field, enhancing social media connectivity.
  

January

Payment form

• Made the IP field ip_address optional to accommodate a wider range of use cases.
• Added Hebrew he to Guide
  If your preferred language is not listed, our payment button will be displayed in English by default. supported translations.
  

Card payments

• Updated recommendations related to decline reasons in versions Guide
  Card is expired. 2.09 Invalid expiration date and Guide
  An error occurred and the token was not found. 7.01 Card token not found.
  

2023

December

Payment form

• Added examples for encrypting paymentIntent for form generation Guide
  An alternative option for integrating the payment form exists without utilizing the Solidgate SDK. without SDK in Node.js , Go , PHP , Python , Kotlin , C# , Ruby , and Java .
• Both geo_country and platform Guide
  To initiate a charge, supply transaction-specific information through paymentIntent fields. request parameters are now optional.
• The partialIntent Guide
  After forming the merchant data and converting it to a plain object, use it in frontend code to update with the partialIntent encrypted String. object includes the capability to update Order metadata, enhancing business process efficiency.
• Guide
  To initiate a charge, supply transaction-specific information through paymentIntent fields. Implemented character limit validation for the customer_email field, restricting it to a maximum of 100 characters.
  

Payment link

• Guide
  A Payment Link is a URL that takes customers directly to a unique payment page to complete a payment. You can quickly and easily create a Payment Link URL and embed it or share it via email. Payment Links now support both one-time and recurring subscription payments, with the creation process streamlined through Solidgate’s Postman collection.
  

Card payments

• Added:
  • external_mpi_data to APIs for improved third-party 3D Secure authentication handling
  • merchant_advice_code in the system for clearer communication regarding declined transactions and actionable merchant advice
  • separate fields for customer_phone_country_code and phone number in all requests
• Implemented a detailed explanation of the Guide
  This process is designed to enable secure and reliable payment processing through the use of 3D Secure (3DS) with challenge authentication flow. frictionless flow in 3D Secure processes.
  

Alternative payments

• Integrated Guide
  Przelewy24 is a leading online payment method in Poland, offering a variety of payment options like bank transfers, credit cards, and e-wallets. Przelewy24 and Guide
  BLIK streamlines online transactions in Poland by offering a secure and efficient mobile payment method, enabling customers to easily pay for goods and services directly from their bank accounts. Blik to expand payment options, specifically enhancing services for the Polish market.
  

Subscriptions

• Added order_data to the subscription Webhook invoices object for expanded data management.
  

November

Payment form

• Added support for zero amount transactions on the Guide
  This guide simplifies the process of adding the Solidgate Payment Form to your website. It covers the preparation of the backend, SDK installation, API instance creation, and merchant data setup. payment form to accommodate specific use cases.
• Implemented a convenient Guide
  Efficiently integrate a resign payment form with saved card details. resign payment form that allows customers to streamline their payment process by securely storing a token for future use, reducing the need for additional input during subsequent payments.
• Updated the Payment Form validation for an empty string (processing as null for enhanced data handling).
  

Payment page

• Expanded the Payment Page request API to include product_price_id as a parameter for initializing the payment page, catering to more diverse business needs.
• Added zero amount support for payments via payment page to accommodate specific use cases.
  

Card payments

• Improved response handling to provide a 200 status code with validation error details when encountering validation errors during external API communication.
  

Alternative payments

• Expanded business operations by implementing:
  • Guide
    MB WAY is a widely adopted digital wallet in Portugal, favored for mobile payments. MB WAY
  • Guide
    Davivienda is a key financial institution in Colombia, renowned for its extensive online banking services. Davivienda
  • Guide
    Efecty is a vital cash payment method for online purchases in Colombia, specially designed for users without bank accounts or credit cards. Efecty
  • Guide
    PSE is a leading online bank transfer solution in Colombia, supported by 20 different banks, offering a direct and efficient payment method ideal for the Colombian e-commerce sector. PSE
  • Guide
    Sencillito is a leading cash payment method in Chile, known for its ease of use and quick processing. Sencillito
  • Guide
    Servipag is a leading payment platform in Chile, renowned for its versatility in both online and offline transactions. Servipag
  • Guide
    Webpay is Chile's leading online payment service, operated by Transbank. Webpay
• Implemented streamlined Guide
  The PayPal billing agreement streamlines the checkout experience by enabling one-click purchases and upsells on the merchant’s site. PayPal billing agreement that enables one-click purchases, upsells, and automatic billing for subscription models, providing a seamless checkout experience for both customers and merchants.
• Fixed country validation in recurring API processes to comply with ISO standards.
  

Subscriptions

• Improved Guide
  Employ coupons to customize subscription discounts. coupon functionality, enabling the creation of unique coupon codes associated with an account and providing clarity.
• Expanded functionality with new Guide
  For all changes to the subscription, merchants get asynchronous notifications via subscription, similar to payments. webhook events for managing subscription pause schedules:
  • subscription.pause_schedule.create
  • subscription.pause_schedule.update
  • and subscription.pause_schedule.delete, enhancing business process automation
    

October

Payment form

• Added an Guide
  Solidgate Payment Form will check the Card BIN and receive a list of necessary additional fields according to information about the BIN country (the first 6 digits). additional field , brazil_customer_phone field, to collect and manage customer phone numbers in Brazil, enhancing payment processes in the region.
  

Payment page

• Implemented Guide
  Use Payment Links to sell online without an integration. Payment Link , allowing merchants to generate a reusable URL for payments, with customers entering their email and having the option to retry declined payments.
  

Card payments

• Implemented the addition of shipping_address to Charge API , Apple Pay API , and Google Pay API payments, enhancing the payment process by including shipping address details.
• Enabled Guide
  Merchants utilize zero-amount authorizations to verify cards for secure storage, future transactions, registration, free trials, and fraud prevention without charging the customer. zero-amount authorization for storing card data and conducting card validity checks in H2H integrations.
• Added an additional field alert_type to the notification object to prevent alert Webhook
  

Alternative payments

• Implemented shared-token functionality, enabling APM recurring API payments within your account, offering enhanced flexibility in token management and secure token sharing.
  

HUB

• Implemented:
  • the provision of both retry_strategy_id and retry_strategy_name within the HUB to ensure clarity and alignment with merchant expectations regarding retry strategies
  • displaying the MID in the order details section, providing clients quick access to vital payment processing information for risk analysis and dispute tracking
• Fixed the currency presentation, aligning it with its unique formatting conventions, which include commas as decimal separators, periods as thousands of separators, and appropriate currency symbol positioning, enhancing clarity and accuracy for users.

September

Payment form

• Fixed language Guide
  Create a seamless experience for customers by styling your payment form. customization for Guide
  Optimize your payment form with Apple Pay integration, providing a secure and efficient checkout for Apple device users. Apple / Guide
  Enable Google Pay button to give your customers more payment options. Google Pay buttons, enhancing user experience across diverse markets.
  

Payment page

• Enhanced user experience by correcting autocomplete validation.
• Updated field length validation for the Init Payment page, including constraints on fields like transaction_source, customer_first/last_name, geo_city, website, and font_name
  

Card payments

• Implemented:
  • Guide
    The sandbox offers a secure testing environment for developers to simulate the integration of Google Pay and Apple Pay without the risk of affecting real bank accounts or processing actual transactions. Apple and Google Pay payment testing through the sandbox environment, enhancing the overall testing and validation process for these payment methods
  • Guide
    Improve your checkout conversion by accepting payments via Apple and Google Pay. Apple Pay/Google Pay recurring payment migration to simplify the transition between PSPs and ensure uninterrupted Guide
    Recurring payment operations differ from charges as they use a previously obtained token instead of cardholder data. recurring payments despite potential MID issues
  • new network token creation Webhook and network token update Webhook events in webhook notification requests
• Added:
  • billing_address fields including zip_code, state, city, and address to Apple Pay request API and Google Pay request API
  • routing object to final status for card orders and transaction operations API , providing essential routing and cascade information
    

Alternative payments

• Introduced parameters for refund reasons in Order status Webhook , Recurring API , Refund API , and Check order status API to offer better insights and improved transaction management for businesses.
  

Subscriptions

• Added cancelled_requested_at to the subscription object to store the timestamp when a Guide
  This cancellation type lets the subscriber maintain active service access until the end of the paid period, with automatic transition to a canceled status afterward. soft cancel request is received.
  

Reporting

• Extended Finance API to include transaction_id and chargeback_id fields, enhancing traceability and data linking between financial transactions and chargeback records.
  

HUB

• Improved channel webhook capabilities by introducing new events related to Guide
  Webhooks can be managed within the Solidgate HUB by navigating to the channel settings located in the developer section. card network tokens , enhancing integration and communication with card networks for added business functionality and efficiency.

August

Payment form

• Fixed handling of the Guide
  This event indicates that the Solidgate SDK displayed the Solidgate payment form, Google Pay, or an Apple Pay button. mounted event , which includes our card input iframe.
• Reviewed and updated Node.js code examples in the Guide
  In addition to using the Solidgate SDK for integrating the payment form into your website, there is an alternative option to work without the SDK. Without SDK section for clarity and accuracy.
• Implemented stricter 4-digit Guide
  The CVV field's validation depends on the card brand and can accommodate either 3 or 4 digits. CVV validation for AMEX cards to enhance security and data integrity.
  

Payment page

• Developed a demo of the Payment Page, allowing you to experience its intuitive design and features, ensuring seamless integration and enhanced customer experience.
  

Card payments

• Fixed inconsistency in Guide
  Enables secure real-time chargeback event notifications for merchants, allowing automated system actions or updates based on these events. chargeback webhook entity for chargebacks in accepted status; it now accurately reflects the dispute process, including the correct chargeback type and status.
• Descriptor value is now stored in the PSP order during payment processing for better traceability. When sending Guide
  Subscribe for events on your Solidgate account so your integration can automatically trigger actions. callbacks , this value is retrieved from the associated PSP merchant’s MID.
• Added Guide
  The customer has blocked transactions via this card for reasons that require clarification. error code 3.12 to the list of stop-declines for cascading processing.
  

Reporting

• The number of retry attempts for calling financial report API endpoints has been limited to improve system performance and avoid unnecessary load.
• Resolved the issue with pagination in the fraud alert report API . Users can now navigate through the report using the next_page_iterator field, which takes the value from the previous response for seamless browsing.
  

Tokenizer

• Optimized payment processing for transactions initiated via our Guide
  Understand how to integrate the payment form into your product. payment form . As a result of these improvements, payments are now processed twice as fast, offering a more efficient and responsive user experience.
  

HUB

• Enabled sorting functionality to the Subscription → Products view. Users can now sort products by their creation date, with the newest products displayed first, for more streamlined navigation and management.
• Resolved an issue where Order’s logs were not displaying or functioning as expected. The logs are now fully operational, aiding in improved tracking and debugging.

July

Payment form

• The addition of request saving for Guide
  Understand how to integrate the payment form into your product. intent initialization and updates allows for better management and tracking of the intent process, including tracking errors in HUB (Developers - Logs).
  

Card payments

• The format of the Guide
  Improve your approval ratio across countries by collecting and providing additional data. additional field brazil_cpf has been enhanced, representing the Brazilian individual taxpayer registry (CPF - Cadastro de Pessoas Físicas). The accepted formats are 000.000.000-00 and 00000000000 , making it easier for Brazilian users to provide their tax identification numbers.
• The list of Failed payment scenarios has been expanded to test integration with Solidgate. Guide
  Simulate payments to test your integration before launching in production. Test card data is available to simulate Guide
  Understand payment states and types to implement correct business logic. recurring-auth transaction types and obtain failed payment results, enabling you to automate additional payment scenarios, and enhance control and optimization of various business flows with payments on your side.
• Added the card_id parameter to card payment callbacks and webhooks. The card identifier can be used to configure fraud monitoring rules and ensure accurate association of users with their payment cards.
  

Subscriptions

• The Guide
  Discover how to pause, resume, and manage subscriptions, including handling renewals. pause functionality has been enhanced to calculate precise next billing next_charge_at and expiration times expired_at, providing consistency and enabling users to pause subscriptions for extended durations.
• The functionality for Guide
  Customize product pricing and streamline payment processing with multi-currency and easy editing. creating products and prices has been introduced to streamline the subscription management process, offering users enhanced control and integration capabilities:
  • Create a product API
  • Retrieve a product API
  • Update a product API
  • Create a price API
  • Retrieve a price API
  • Update a price API
    

HUB

• Added the ability to Guide
  Discover how to pause, resume, and manage subscriptions, including handling renewals. pause a subscription , perform updates on a pause that has not started or has started, with the option to choose a time period.
• The implementation of Guide
  Customize product pricing and streamline payment processing with multi-currency and easy editing. product creation functionality (Subscriptions) aims to deliver essential functionality that effectively addresses client needs and expands the product portfolio.

Klarna Deprecated Sofort: Next Steps for Merchants

Sofort—one of Europe’s top bank transfer providers—is being deprecated by Klarna as a standalone payment method. After September 30, 2024, merchants currently using Sofort to accept bank transfers from European buyers will no longer be able to do so and must offer alternative payment methods to their customers.

Google Pay Liability Shift Update — Now Available for Non-EU Visa Cards

Starting February 2024, cards issued outside the European Union are eligible for a liability shift for Google Pay Visa device token (DPAN) transactions. Merchants outside of Europe can opt to activate the liability shift feature for their eligible Visa DPAN transactions, transferring the responsibility of covering losses from fraudulent transactions to card issuers.

Understanding CESOP: The New EU Payment Regulations

From 2024, the European Union (EU) introduced CESOP, a new set of payment regulations to combat cross-border fraud. Understanding CESOP is crucial for businesses operating within the EU or facilitating cross-border transactions. Let’s delve into what CESOP entails, its implications for organizations, and how to prepare for these regulatory changes.