Overview

Solidgate offers a variety of alternative payment methods (APMs), providing advantages for merchants and customers alike. With easy integration, merchants can quickly accommodate diverse payment options. APMs cater to customer preferences, enhancing user experience and giving businesses a competitive edge. For international operations, understanding local payment preferences is crucial to meet customer demands and stay ahead in the market.

Various payment methods available offer a range of solutions for merchants to cater to their customers’ preferences and needs. While they all have similarities in terms of initiating transactions and providing secure payment options, each method has distinct features that set it apart from the others.

Comprehensively utilizing methods API allows to improve transaction management, real-time monitoring, and secure token-based recurring payments.

Init payment API
Operation for the initiation of a payment using an alternative payment method, performs order creation and prepares the transaction for payment, allowing the customer to proceed with the payment process.

Recurring API
In the context of alternative payment methods, a token-based recurring payment refers to an automatic charge applied to a customer’s payment method at predetermined intervals. This process involves securely storing a token representing the customer’s payment details and using it for subsequent transactions without requiring their input each time.

Refund API
Initiate a funds reversal by submitting a refund request for successfully processed orders. Note that each order is eligible for a single refund.

Check status API
Request for receiving current order status. The key benefit is that it enables merchants to efficiently monitor and manage their payments by providing comprehensive information about the order’s status, payment method, transaction details, and customer information.

Order status Webhook
Payments through Solidgate’s APMs occur asynchronously, necessitating webhook subscriptions to obtain real-time updates on the current status of transactions. Webhooks ensure that merchants receive prompt notifications as transactions progress, allowing them to monitor and manage the diverse payment options offered by APMs effectively.

PayPal

PayPal Website is a global online payment system that enables users to securely send and receive money for goods and services. Established in 1998, it has become one of the most popular payment methods worldwide, supporting transactions in multiple currencies and available in over 200 countries.

PayPal allows users to link their bank accounts, credit and debit cards, or use their PayPal balance for transactions. It simplifies online payments by providing a user-friendly interface for managing transactions and protecting sensitive financial information.

The order initiation operation creates an order in the system and returns a JavaScript URL for use when invoking the PayPal button.

To integrate the PayPal button into your website, insert the provided PayPal button initialization sample script into your HTML code where you want the button to be displayed, ensuring a seamless payment experience for your customers.

If you work under the subscription model, after successful payment, in the object order you will receive a token that you could use for recurring payments.

These parameters provide flexibility to match the button with your website’s design and branding. You can customize the PayPal button appearance using the following initialization parameters:

PayPal button initialization params

Expand all

data-label

Description

Button label.

Value sample

• buynow (default)
• checkout
• paypal
• pay

data-color

Description

Button color.

Value sample

• gold (default)
• blue
• silver
• white
• black

data-shape

Description

Button shape.

Value sample

• pill (default)
• rect

data-height

Description

By default, the button adapts to the size of its container element.

Value sample

To customize the button height, set the height option to a value between 25 and 55.

The width of your button container element must be sufficient to accommodate the payment buttons in your layout. This is particularly important for a horizontal button layout.

Subscribe to these PayPal button events to track the transaction status:

PayPal button events params

Expand all

EVENT_BUTTON_READY

Description

The button is ready to be used.

Event

button-ready

EVENT_BUTTON_ERROR

Description

There is an error with the button rendering.

Event

button-error

EVENT_BUTTON_CLICK

Description

The field denotes when a user clicks a button, enabling tracking of user interactions within the application.

Event

button-click

EVENT_ORDER_STARTED_PROCESSING

Description

Order is in processing.

Event

order-started-processing

EVENT_ORDER_PROCESSED

Description

Order is processed.

Event

order-processed

EVENT_ORDER_ALREADY_PROCESSED

Description

Appears if the user goes on the page with the order creation again.

Event

order-already-processed

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<div id="paypal-button"></div>
<script>
  var elem = document.getElementById('paypal-button');
  elem.addEventListener('order-started-processing', function (e) {
  console.log('order-started-processing',e);
}, false);
  elem.addEventListener('order-processed', function (e) {
  console.log('order-processed',e);
}, false);
  elem.addEventListener('order-already-processed', function (e) {
  console.log('order-already-processed', e)
}, false);
  elem.addEventListener('button-ready', function (e) {
  console.log('button-ready', e)
}, false);
  elem.addEventListener('button-error', function (e) {
  console.log('button-error',e);
}, false);
  <script type="text/javascript"
          src="https://gate.solidgate.com/widget/9d81b91uisf234bhjb23jhb562cc5101"
          data-label="checkout"
          data-color="blue"
          data-shape="rect"
  >
  </script>

Related articles FAQ

Sofort

SOFORT Website was founded in 2005 in Munich, Germany, and is the #1 Bank Transfer provider in Europe, with big plans to grow in the United Kingdom. With wide market coverage and strong brand awareness, it is also one of Germany and Austria’s top 3 most-used payment methods overall. Furthermore, it is available in Belgium, Finland, France, Italy, Norway, Poland, Spain, Switzerland, Sweden, The Netherlands, United Kingdom (13 countries in total).

On average, 3 million Sofort transactions are made every month. More than 35.000 online merchants offer Sofort as a payment scheme to their customers.

By leveraging best-in-class open banking technology, there’s no need to enter lengthy card numbers or even create an account. Sofort works by securely accessing online banking details - money is taken straight from the bank, and no payment details are stored.

Principle of operation

Upon purchase, the customer logs into their own online bank and authorizes the payment. The funds are then directly debited from their bank account in real time, and the merchant will receive immediate payment confirmation.

• The customer selects Sofort as their preferred payment method.
• They are redirected to a payment page where they are presented with a list of supported banks.
• The customer selects a bank from the list and authenticates using their login credentials and TAN to confirm the payment.
• The merchant receives the payment confirmation.
• The merchant can ship the order/deliver the goods to the customer.

Disputed payments

The risk of fraud or unrecognized payments is low because the customer must authenticate the payment with their bank. As a result, you won’t have disputes that turn into chargebacks, with funds withdrawn from your Solidgate account.

This operation generates an order in the system and provides a redirect URL to which the end user should be directed.

Giropay

GiroPay Website is the official payment method for online banking in Germany, introduced in 2005. Giropay offers merchants a real-time payment method to accept internet payments. Giropay uses the same environment as their banks' online banking sites for customers. Depending on their bank, customers confirm payments on Giropay using a second factor of authentication or a PIN. The level of security depends on the participating bank. Furthermore, Giropay requires no additional registration.

The risk of unrecognized payments is low because the customer must authenticate the payment with their bank.

Principle of operation

• The user selects Giropay and chooses their bank
• The customer is redirected to their bank’s login page
• The participating bank displays transaction data
• The customer enters the account number or PIN
• The bank authorizes the transaction in real-time, deducting the amount directly from the customer’s account (if there is not enough balance, the transaction will be rejected).
• The merchant received real-time confirmation of the payment from the bank
• The customer is redirected to the merchant page with a confirmation that the payment has been successful

Disputed payments

The risk of unrecognized payments is low because the customer must authenticate the payment with their bank.

The current workflow with Giropay is as follows:

• The user selects Giropay and chooses their bank
• The customer is redirected to their bank’s login page
• The participating bank displays the transaction data
• The customer enters the account number or PIN
• The bank authorizes the transaction in real time and deducts the amount directly from the customer’s account (if the balance is insufficient, the transaction is declined)
• The merchant receives real-time confirmation of the payment from the bank
• The customer is redirected back to the merchant site and receives a confirmation that the payment was successful

iDeal

iDEAL Website is a popular online payment method in the Netherlands, which allows customers to make direct bank transfers using their bank’s online banking service. Launched in 2005, iDEAL has become the most widely used payment method in the Netherlands and is supported by all major Dutch banks.

The payment process with iDEAL is simple and secure. Customers choose iDEAL as their payment method at checkout and select their bank. They are then redirected to their bank’s online banking platform, where they complete the transaction by authorizing the payment. Once the payment is confirmed, the customer is redirected back to the merchant’s website.

This operation deems to create order in the system and returns token being applied while calling a payment widget.

Principle of operation

The current flow of work with iDeal goes as follows:

• The user is presented with a bank selection, and the merchant matches the chosen bank and its corresponding BIC.
• The merchant sends an init payment request to Solidgate, which should contain all mandatory fields (e.g., BIC).
• In response, Solidgate provides a URL for the payment page.
• The merchant redirect user to the provided redirect_url.
• The user executes the payment.
• Afterward, the user is redirected to either the success or fail URL, depending on the transaction status.

List of available BIC providers

*Only these BICs will work within the sandbox environment.

Boleto

Boleto Website (Boleto Bancário) is an official cash payment method regulated by the Central Bank of Brazil. If the customer decides to pay by using this method, the voucher for the payment is created and downloaded. There are various ways, how to pay by using the created voucher: It can be paid in ATMs, banks, convenience stores, or supermarkets - this makes it possible to shop online for 35% of Brazilians who do not have a bank account.

Principle of operation

• The customer decides to pay with Boleto.
• The voucher and payment codes are automatically generated.
• The user receive the Boleto voucher.
• The client can decide how they would like to pay with it, as there are different variants (from banks to supermarkets).
• As soon as the customer paid, the merchant is notified within minutes.

Kindly note that there is an expiration period on the Boleto voucher. If the customer pays late, there can be an additional fee or, it will not be processed at all. Furthermore, to avoid the expiration of the voucher, customers can schedule a payment while using this payment method.

Disputes and refunds

With this payment method, there is no chargeback risk or credit limits. Furthermore, it is impossible to issue a refund for it.

Responsive for mobile devices

Thinking of increasing mobile conversions, Solidgate has improved the mobile user experience by creating a Boleto 100% optimized for mobile devices.

OXXO

Around 70% (around 90 million) of Mexicans do not have access to banking services, and OXXO WIKI allows merchants to tap into this substantial group of online customers. Mexicans are used to paying with vouchers for their purchases, even if they do have a bank account, debit card, or credit card.

OXXO payments have a low risk of fraud or unrecognized payments because the customer must provide cash payments in person at an OXXO convenience store. The customer cannot dispute OXXO payments.

Principle of operation

To complete a transaction, customers receive a voucher that includes a reference number for the transaction. Customers then bring their vouchers to an OXXO store to make a cash payment. You will receive payment confirmation along with the settled funds by the next business day.

The payment method OXXO gives you access to the redirect solution. The API returns a return_url , for redirection of the user to a Solidgate-hosted page. The user will be able to see the ticket to pay or print it.

While using the Redirect method, the payment will have the “status = Pending” until the user pays the ticket, and Solidgate gets notified about it.

M-PESA

M-PESA Website , launched in 2007 by Safaricom, is a widely used mobile money transfer and payment service in Kenya and several African countries. It enables users to deposit, withdraw, transfer money, and pay for goods and services without a bank account. M-PESA offers merchants access to a vast customer base in regions with limited traditional banking services and supports microtransactions and instant payments for a seamless experience.

This operation is designed to create an order within the system.

In this payment method, users will experience a seamless and secure transaction process initiated by a pop-up message on their mobile device. Upon initiating a payment, a verification prompt will appear on the user’s phone screen, providing clear instructions to complete the process. To confirm the transaction, customers will be asked to enter their M-PESA PIN within the M-PESA interface.

Mobile devices may not support pop-up verification

You can also pay using Lipa na MPESA by using the following instructions:

1. Go to the M-PESA menu.
2. Select Lipa na M-PESA.
3. Select the Paybill option.
4. Enter business number 9****3.
5. Enter your account number R18****18.
6. Enter the amount - 10.
7. Enter PIN and press OK to send.
8. You will receive a confirmation SMS with your payment reference number.

SEPA

SEPA Website (Single Euro Payment Area) is a cashless payment method in the euro that was firstly introduced in 2008 by the European banking and payments industry. It harmonizes all cross-border online payments in the euro as it provides a unified system and principle of equal charges for all its transactions.

SEPA Direct Debit is a delayed notification payment method, which takes a minimum of two business days to be completed, sometimes it can take up to 14 business days to process, also the average length of the transaction is five business days.

With SEPA Direct Debit the merchant has easy access to the markets across 36 countries (27 countries from the EU, also Liechtenstein, Norway, Iceland, and Switzerland, the UK, and four microstates: Vatican City, San Marino, Monaco, Andorra).

Principle of operation

• Customers need to choose SEPA Direct Debit at the checkout.

• They are asked to provide the account holder’s name, IBAN, and to accept the mandate.

• After the acceptance, the merchant is authorized to proceed with the money withdrawal.

• The payment is completed.

For this payment method, there exist two types of mandate:

• One-off - which is used for single transactions.

• Recurring - which can be reused for multiple payments.

Furthermore, kindly note that it is mandatory for the merchant to notify the customer before the debit in an agreed timeframe. This allows the customer to recognize the transaction and to be sure that there are enough funds in their account to proceed with the purchase.

Test IBAN List (only for Sandbox accounts)

IBAN	Description
DE09100100101234567890	The customer’s mandate and payment can’t be set up because their bank details are invalid. Payment not accepted.
DE79100100101234567891	The customer’s payment is accepted, but not collected yet. The mandate is marked as activated. The payment will remain on Status 1 (accepted).
DE52100100101234567892	The customer’s payment is accepted but then cancelled before collection. The mandate is marked as activated. The payment is marked as Status 1 (accepted), then Status 2 (cancelled).
DE25100100101234567893	The customer’s payment is collected successfully and paid out to you. The mandate is marked as activated. The payment is marked as Status 1 (accepted), then Status 3 (paid).
DE95100100101234567894	The customer’s payment is provided to the bank successfully but is then charged back due to a request by the merchant. The mandate is marked as activated. The payment is marked as Status 1 (accepted), then Status 3 (paid). Finally, the payment is marked as Status 4 (charge-back) with Token (RFND).
DE68100100101234567895	The customer’s payment is collected successfully but is then charged back by the customer disputing it with their bank (actively initiated by the customer). The mandate is marked as activated. The payment is marked as status 1 (accepted), then status 3 (paid). Finally, the payment is marked as status 4 (chargeback) with the token (ACT).
DE41100100101234567896	The customer’s payment is provided to the bank successfully but is then charged back by their bank due to no sufficient funds. The mandate is marked as activated. The payment is marked as Status 1 (accepted), then Status 3 (paid). Finally, the payment is marked as Status 4 (chargeback) with Token (NSF).
DE14100100101234567897	The customer’s payment is provided to the bank successfully but is then charged back by the bank due to other reasons (no bank account, saving account). The mandate is marked as activated. The payment is marked as Status 1 (accepted), then Status 3 (paid). Finally, the payment is marked as Status 4 (chargeback) with Token (OTHR).
DE84100100101234567898	The customer’s payment is provided to the bank successfully but is then charged back by the bank due to format errors. The mandate is marked as activated. The payment is marked as Status 1 (accepted), then Status 3 (paid). Finally, the payment is marked as Status 4 (chargeback) with Token (FRM).

Przelewy24

Przelewy24 Website is a popular online payment method in Poland, providing a wide range of payment options, including bank transfers, credit cards, and e-wallets. Established in 2002, it operates as an aggregator of various payment methods, allowing customers to make payments easily and securely.

Przelewy24 offers merchants access to a large customer base in Poland by catering to their preferred payment methods. With its user-friendly platform and integration with major Polish banks, it enables a seamless and secure transaction experience for both merchants and customers.

This operation generates an order in the system and provides a redirect URL to which the end user should be directed.

Blik

BLIK Website is a popular mobile payment method in Poland, launched in 2015 by Polish Payment Standard Ltd. It allows users to make secure and convenient transactions using their mobile devices without the need for a physical card or cash.

With BLIK, customers can pay for goods and services online, make in-store purchases, withdraw cash from ATMs, and transfer money to other users. It operates through a collaboration with major banks in Poland and can be used by anyone with a bank account in a participating institution.

For merchants, integrating BLIK payments provides access to a growing customer base in Poland and offers a fast and secure payment option, improving the overall shopping experience.

This operation generates an order in the system and provides a redirect URL to which the end user should be directed.

Mercado Pago

Mercado Pago Website is a popular online payment platform in Latin America, supporting various payment methods like credit/debit cards, cash payments, and bank transfers. Launched by Mercado Libre in 2004, it offers secure and user-friendly transactions for businesses targeting the Latin American market.

With Mercado Pago, customers can pay with cards, bank transfers,s and even cash. In return, customers get access to promotions and financial services without commissions or additional costs and without risks of any kind. The account works like a virtual wallet with which you can make payments, without paperwork and without wasting time.

Principle of operation

At Mercado Pago you can choose between two types of accounts:

• Personal account: Standard account to use your money like a free online wallet (purchases at Mercado Libre or any store that accepts Mercado Payments with QR code, you can also pay for services, top up your cell phone, etc.)
• Seller Account. With Mercado Pago Seller Account you will have exclusive tools and benefits for your store like:
  • Use Mercado Pago Checkout in your online store - the entire payment process can have your company’s esthetics and logo, and adapt to the devices that the customer uses
  • Create employees and link them to your account to organize your business and have a clear overview of your work teams
  • Charge with the code QR or your point reader and receive your money immediately
  • Your customers can pay you in monthly installments with or without interest and take advantage of special offers with cards from different banks
  • Manage your sales by accessing your statistics and setting up automatic reports to match available funds and funds in the Mercado Pago account
  • Withdraw your money by transferring it to your bank account or to different locations
  • Take out loans

All features are available free of charge for the seller.

There are only three steps that the seller needs to follow:

• Publish the item to be sold and select Mercado Pago as the payment option
• The buyer bids and decides to pay with Mercado Pago
• Once the seller ships the item and the buyer receives it, the money is released and available in the seller’s account

This operation generates an order in the system and provides a redirect URL to which the end user should be directed.

Related articles FAQ