Payments

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Payments
Explore diverse payment options for a seamless experience

Payments overview

Discover the essential steps to power your online payments with Solidgate solutions, built with businesses and their challenges in mind. Gain a strong understanding of transaction flows and key aspects of payment processing, including Glossary
A security protocol for online transactions, adding an extra layer of authentication. Customers may receive a one-time code for verification, reducing the risk of unauthorized transactions. 3D Secure authentication and Glossary
The return of funds to a customer, typically for a returned or cancelled purchase. refunds. Take control of your business operations with the Solidgate Hub, managing payments and products while building customer trust and loyalty with every interaction.

Integrate
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Solidgate offers multiple integration options to meet different business needs. Solidgate API allows businesses to integrate and customize solutions to meet specific requirements. Meanwhile, Solidgate SDK simplifies integration by providing Glossary
The process of replacing sensitive data with a unique identifier, token, for enhanced security. token generation and secure transaction handling.


This collection includes example API requests to help you use the solutions effectively. ▶ Solidgate Postman Collection

Solidgate’s host-to-host integration gives merchants complete control over their checkout page, allowing for customization and effective management of the payment process. With the use of digital wallets and alternative payment methods, businesses can increase Glossary
Metrics that indicate the percentage of customers who successfully complete the payment process once they have initiated it. conversion rates and meet the unique preferences of customers in different locations.

Glossary
An interface allowing customers to input payment details for a transaction. Payment form, Glossary
A web page where customers enter payment details to complete a transaction. payment page, and e-commerce plugins provide customer-friendly and secure payment options, simplifying transaction processing. You can customize them to match your brand and meet regional requirements.

With Solidgate’s Payment Form, you can customize the checkout flow and improve the overall experience for your customers.
Payment Form
Create a custom payment form for a personalized experience.

Learn about the steps of the Payment Form integration flow to successfully configure the checkout:

  • Backend configuration
  • SDK installation
  • API instance creation
  • Merchant data management

You can customize the payment form for region-specific customer experiences, add buttons for digital wallets, and collect additional fields required for specific transactions.

Payment Page delivers a secure transaction environment, requiring only a few clicks to start accepting payments with minimal development effort.
Payment Page
Create a secure and ready-to-use payment page for your customers.

In addition to straightforward integration, Payment Page supports customizable elements to enhance the customer journey:

  • Brand logo and colors
  • Public merchant name
  • Order descriptions
  • Support for multiple payment methods

You can provide customers with global options like card payments and digital wallets, alongside local methods like iDeal or Blik, ensuring an efficient checkout experience.

Payment Link provides codeless payment integration by generating unique, reusable transaction URLs for customer checkout.
Payment Link
Use Payment Link to start selling online without a technical integration.

After generating your Payment Link URL, you can share it with customers across multiple channels:

  • Embed directly in a website button
  • Include in abandoned cart communications
  • Send directly via email or SMS
  • Share on social media platforms

Once created, the payment link can be shared repeatedly. The link is highly reusable, allowing customers to retry payments after a decline to recover lost sales.

Host-to-host integration ensures secure, flexible payments and offers features like 3D Secure, tokenization, and recurring transactions.
Card payments
Accept and manage credit card payments from your customers directly.

It provides multiple API types for different transactions, simplifying operations for merchants. Key aspects include:

  • Authorization, settlement, and refunds
  • Payments without CVV requirements
  • Zero-amount authorization flows
  • Retry logic to increase conversion rates

Note that only PCI DSS certified merchants are eligible for full API access, as they must securely collect card data and host their own payment form.

Alternative payment methods (APMs) help businesses improve the checkout experience and increase conversion rates.
Alternative payments
Connect alternative payment methods to boost your checkout conversion.
Popular APMs such as PayPal, Pay by Bank, and others expand payment flexibility and give businesses more control over disputes and refunds. Each APM follows its own framework, helping you protect revenue, resolve issues faster, and improve customer support.
Solidgate supports both Payment Form-based and host-to-host integration for Apple Pay and Google Pay.
Digital wallets
Boost your checkout conversion with Apple Pay and Google Pay.
Wallets like Apple Pay and Google Pay reduce cart abandonment by allowing customers to complete transactions quickly without entering card details. They are supported across multiple integration options and use advanced tokenization to keep payment data secure.

Launch
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Testing integration, using Glossary
A mechanism enabling real-time communication and data exchange between different systems to notify about specific events or updates. webhooks, understanding error codes, and ensuring compliance with industry legal and regulatory requirements are all essential aspects of a successful payment system integration for merchants.

These practices ensure a smooth payment experience, minimize risks, and optimize business operations.
Gaining access to Solidgate’s API involves understanding how to authenticate requests and handle validation errors.
Access to API
Learn to authenticate API requests and fix validation errors effectively.
Access to the API requires Public and Secret keys, which are available in the Solidgate Hub account. These keys are necessary for direct API calls and webhook signature verification.

Add authentication headers to every API request, including webhooks, and watch for potential errors from incorrect requests or formatting issues to ensure smoother API operation.
Testing allows merchants to identify and resolve any issues or bugs, ensuring an error-free payment process for their customers.
Testing
Simulate payments to test your integration before launching in production.
Use the testing environment, along with corresponding webhook keys and API, to simulate payments and different transaction scenarios. You can test successful and failed transactions to validate the integration and ensure the system responds correctly in different cases, which is essential for successful integration.

This not only helps in delivering a seamless payment experience to customers but also minimizes the risk of financial losses or customer dissatisfaction due to payment-related problems.
Webhooks enable automatic actions based on events, providing real-time and accurate information.
Webhooks
Subscribe for events on your Solidgate account so your integration can automatically trigger actions.
By establishing an endpoint and configuring event types, you can receive notifications on card order status, Glossary
Non-traditional payment methods beyond credit cards, such as bank transfers. alternative payments, Glossary
A payment arrangement where a customer authorizes the automatic and periodic withdrawal of funds from their account to fulfill ongoing financial obligations. subscriptions, Glossary
A dispute process initiated by a cardholder, resulting in the reversal of a transaction and funds returned. chargebacks, and Glossary
It involves a notification about an unauthorized transaction due to stolen payment or identity information, causing financial losses. fraud alerts.

Ensuring endpoint availability and handling security measures are important. With webhooks, you can automate processes, stay updated, and enhance integration for improved efficiency and customer experience.
Understanding error codes helps identify and resolve transaction issues, enhances system reliability, and reduces the risk of lost sales.
Error codes
Understand why the payment is declined and how you can resolve it.
These codes provide valuable information about transaction failures, allowing merchants to assist customers effectively. By analyzing an Glossary
A code indicating the reason for the rejection of a transaction. error code, you can provide specific instructions to resolve the issue. Knowing common decline codes like Guide
The general group of declines. The card-issuing bank did not complete the transaction successfully. 0.01 General decline or Guide
The payment was not completed within the allocated timeframe, leading to order expiration. 0.02 Order expired helps guide customers toward successfully completing their transactions.

Promptly addressing and resolving issues ensures a smooth payment experience and customer satisfaction.
Legal compliance and regulatory requirements form critical components of online business operations.
Compliance
Prime your online business for smooth and compliant payment processing.
Whether it is payment data migration, ensuring your website follows best practices, or focusing on legal and regulatory compliance, each aspect matters. All of them are crucial for the smooth functioning of your business operations.

By addressing the challenges proactively and transparently, merchants can strengthen their ethical and sustainable presence in the marketplace while reducing legal risks and fostering customer trust.

Manage
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Solidgate Hub centralizes payment and operational processes, providing tools and actionable insights to handle and improve key aspects of online business management.

Hub equips you to manage business payments and operations in one place to stay on top of payment processes.
Hub
Optimize your product and payment management with Solidgate Hub.

With the Solidgate Hub, you can optimize payment and product management, refining processes that drive growth and help you build customer trust. Use its analytics and reporting to get valuable insights into transactions and financial health. Secure your operations with flexible role management, giving team members exactly the access they need based on your organizational structure.