Payments
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Payments
Explore diverse payment options for a seamless experience

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Empowered with a comprehensive understanding of transaction processes, you gain insights into Note
It is a security protocol that adds an extra layer of verification to bolster the security of online credit and debit card transactions.
3DSecure authentication
and Note
The process of returning money to the customer in case of a canceled order or a returned item.
refunds
, ensuring seamless transactions and effective troubleshooting.

Integration essentials

Solidgate provides a range of tools and features, including API reference, SDKs, host-to-host integration, digital wallets, alternative payment methods, payment forms, payment pages, and e-commerce plugins.

The Solidgate API allows businesses to integrate the platform’s customized solutions and meet specific requirements. Solidgate SDK simplifies integration with features like Note
The creation of a secure digital token to represent sensitive information, enhancing security in transactions.
token generation
and secure transaction handling.

This collection offers example API requests to assist in understanding the effective use of our services.
▶ Solidgate Postman Collection

Solidgate’s host-to-host integration empowers merchants with full control over the checkout page for customization and management of the payment process. Digital wallets and alternative payment methods boost Note
Metrics that indicate the percentage of users who complete the payment process once they have initiated it.
checkout conversion rates
and cater to localized preferences.

Payment forms, payment pages, and e-commerce plugins provide user-friendly and secure payment options, streamlining transaction processing. These features can be customized to align with branding and Note
The adaptation of the payment process to meet the language, currency, and other region-specific requirements.
localization
needs.

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Leveraging Solidgate’s easily customizable Payment Form can enhance your customers’ payment experience.

This guide will lead you through the Payment Form integration flow, including backend setup, SDK installation, API instance creation, and merchant data configuration. The Solidgate SDK offers an effective solution for integrating this feature, facilitating the tokenization of sensitive data, 3D Secure authentication, and offering multiple payment method support. Additionally, Solidgate provides robust customization options for its payment forms, enabling a seamless and localized user experience. The form supports the display of additional fields required for transactions.

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The Payment Page is a convenient tool that enables you to create a secure Payment Page for your customers in just a few clicks.

Supported payment methods, which are available according to customer locale, include:

Additionally, the Payment Page offers a straightforward process for customizing the Guide
Comprehensive guide for personalizing your payment page.
customer experience
, allowing you to display elements such as your brand logo, public name, and more.

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Solidgate’s Payment Link provides the fastest integration for accepting payments, requiring no coding expertise.

A Payment Link is a URL that takes customers directly to a unique payment page to complete a payment.

Once created, the Payment Link is reusable: it allows customers to retry a payment in case of decline, and you can share it as many times as needed. This functionality not only provides convenience to customers but also boosts your conversion rate.

The integration of a retry mechanism within the Payment Link addresses payment declines by prompting customers to try again, thereby minimizing lost sales opportunities.

This functionality not only provides convenience to customers but also boosts the merchant’s conversion rates.

Generating a Solidgate Payment Link requires no code, as you can use our Postman collection.

After generation, you will receive your Payment Link URL to share with customers any way you prefer:

  • Embed into a website button.
  • Include in follow-up communications for abandoned carts.
  • Send directly via email.

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Understanding host-to-host integration is essential for a merchant planning to integrate with a payment system, as it offers secure transactions, flexible payment options, efficient management of credit card payments, and features like 3D Secure, tokenization, and recurring transactions.

Moreover, it offers various API types for different transactions, making it easy for merchants to handle operations like authorization, settlement, and refunds. It also facilitates payment without CVV, simplifying customer interactions and enhancing conversion rates.

Please note that only PCI-DSS certified merchants are eligible for full API as the merchant collects sensitive card data and hosts the payment form.

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Understanding alternative payment methods (APMs) is an essential step for businesses to enhance their customer experience and increase conversion rates. Moreover, localization plays a crucial role in the payment process.

Another strategic advantage for businesses comes from the integration of popular APMs such as PayPal and Sofort, among others.

By understanding the specific dispute and refund procedures associated with each APM, businesses can enhance their customer service, effectively addressing customer complaints and, in turn, mitigating potential losses.

Overall, a comprehensive grasp of APMs can provide businesses with a competitive edge in today’s dynamic market landscape.

Comparison of checkout solutions

Each option has its own advantages and considerations, allowing businesses to choose the one that best suits their specific needs and priorities.

Payment Page

Streamlined API integration. Offers a Postman collection for generating payment page links.

Payment Link

Quickest and easiest integration, requiring no coding expertise. Utilizes a simple URL generation process.

Payment Form

Comprehensive integration guide, covering backend setup to form initialization. Available with or without SDK.

User action tracking
Tracking managed by Solidgate, not shared with the merchant. Monitoring is conducted by Solidgate and remains undisclosed to the merchant. Includes user action tracking via interaction events (e.g., input, click, focus).
Supported payment methods
Supports a variety of methods, including region-specific options. Configuration managed by Solidgate. Supports multiple payment methods, facilitating easy link sharing across various platforms. Supports card payments and digital wallets.
Additional features
Design flexibility with customizable buttons, fonts, and logos. Reusable link enhances customer convenience and allows multiple shares to potentially increase conversion rates. Advanced features including form updates, custom submission, and more.

Fully PCI-compliant , the Payment Page, Payment Link, and Payment Form significantly reduce the need for merchants to acquire individual PCI DSS certification.

In conclusion, the choice between the Payment Form and Payment Page depends on various factors, including customization requirements, development resources, security preferences, and the importance of a seamless user experience.

A demo page is available for previewing the main features and customization options of the Payment Page, offering an interactive way to assess its adaptable design.

The Payment Form offers extensive customization, control, and integration possibilities but requires more development effort and security responsibility. The Payment Page, on the other hand, provides simplicity and quick setup, albeit with some trade-offs in customization options and user experience due to the redirect flow.

Businesses should carefully evaluate their specific needs and priorities to determine the best fit for their payment acceptance strategy.

When considering Payment Forms versus Pages, Solidgate’s Guide
Use Payment Links to sell online without an integration.
Payment Links
offer a rapid, code-free checkout option with reusable URLs that enhance customer convenience and potentially increase conversion rates.

Payment Links can be easily generated, shared multiple times, and integrated into various customer communication channels, streamlining the payment process.

Launch

Testing integration, using 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.

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These practices ensure a seamless payment experience, minimize risks, and optimize business operations.
Gaining access to Solidgate's API involves understanding how to authenticate requests and handle validation errors. You will need credentials: the Public and Secret keys available in your personal account on the HUB. These keys are necessary for direct API calls and webhook signature verification.

Include authentication headers in every API request, including webhooks, and be aware of potential errors caused by 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. Merchants can use this environment along with the corresponding webhook keys and API to simulate payments and various payment scenarios. They can test successful transactions, as well as failed transactions, to validate the integration and ensure that the system handles different scenarios correctly.

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.

Therefore, investing time and effort in testing is a crucial step to ensure the successful integration of their payment system.
Webhooks enable automatic actions based on events, providing real-time and accurate information. By establishing an endpoint and configuring event types, merchants can receive notifications on card order status, alternative payments, subscriptions, chargebacks, and fraud alerts.

Ensuring endpoint availability and handling security measures are essential. By leveraging webhooks, you can automate processes, stay updated, and enhance integration for improved efficiency and customer experience.
Understanding error codes is essential for merchants integrating with Solidgate. These codes provide valuable information about transaction failures, allowing merchants to assist customers effectively. By analyzing the decline code, merchants can provide specific instructions to resolve the issue. Familiarity with common decline codes like Guide
The general group of declines. The card issuing bank did not complete the transaction successfully.
0.01 General decline
, Guide
The payment was not completed within the allocated timeframe, leading to order expiration.
0.02 Order expired
, and Guide
The card issuer may block a transaction due to legal violations, either related to the cardholder or originating from a sanctioned country.
0.03 Illegal operation
enables merchants to guide customers toward successful transactions.

Promptly addressing and resolving issues ensures a seamless payment experience and customer satisfaction.
Prioritizing legal and regulatory compliance helps to ensure that all business operations meet the best practices and align with the law. It allows safeguarding consumers, fostering fair competition, and upholding industry norms. Compliance with transparent policies, customer support access, and website security reduces the risk of disputes and aligns with legal and credit card network standards.

By addressing these vital components, merchants can strengthen their ethical and sustainable presence in the marketplace while minimizing potential legal issues and enhancing customer trust.

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