Take a Payment
Two integration approaches:
Payments API - Use a single Payments API that orchestrates the flow to include value added services such as FraudSight, 3DS and Token creation.
Modular APIs - Use multiple APIs to fully control the payment journey yourself.
| Payments API | Modular APIs | |
|---|---|---|
| Take payments that include a fraud assessment and 3DS authentication with one call. Let us handle the orchestration whilst retaining a high degree of customization. This is a new API and features are rapidly being added to bring it inline with our modular offering | Our suite of APIs that allow you to build your own payment journey based on your business needs. Take full control by tailoring your integration. Make separate FraudSight, 3DS and Card Payment API calls. | |
| Integration flows | Sequence Diagrams | Sequence Diagrams |
| Integration effort required | Medium | High |
| Guest card payments |  | |
| Repeat payments | | |
| Recurring payments | | |
| Mail Order Telephone Order (MOTO) transactions | | |
| Cards | | |
| Apple Pay and Google Pay | Encrypted only 3DS support for Googlepay coming soon Use of wallets for MIT setup not supported | 3DS support for Googlepay coming soon |
| Network token support | Usage only. Tokens API currently required for creation. | |
| Fraud protection (3DS and FraudSight) | | |
| SCA Exemption support | Exemption in 3DS Authentication coming soon | Exemption in 3DS Authentication coming soon |
| Account Funding Transactions (AFT) support |  In progress | |
| Industry Practice MITs | Coming Soon | |
| Support L2/L3 data | Coming Soon | |
| Alternative Payment Methods (APMs) | via APM API To be offered via Payments API directly later | via APM API |
| 3DS external MPI (3rd party 3DS data) | | |
| Level of customization available | Full | Full |
| PCI compliance | Automatic with use of SDK | Automatic with use of SDK |
| Mobile support | Native | Native |
| Send for settlement | Automatically or Manually | Automatically or Manually |
| Geographical availability | Global | Global |
Modular APIs
Benefit from more control with our modular APIs. Perform a single risk check when using multiple payment providers, use our 3DS API as a standalone product or tailor your payment journey based on your business needs.
Not sure where to start? Use the sequence diagrams to help you understand the different combination of services you could use to integrate. Or use the smart journey demo tool to see a real example in action.
Smart Journey Demo
Explore our interactive demo to see how to make our APIs work for your business.
Sequence diagrams
View sequence diagrams to understand how common Payments API flows would integrate with your application.
You can use a combination of the APIs from our catalogue to create flows:
Sequence Diagrams
For a simplified integration, view the sequence diagrams for our orchestration Payments API.
Guest card payment
SCA Exemptions & 3DS
Please note that exemptions in authentication (3DS) is not yet available.
Checkout
Payment with stored card
Creating a token, authentication using 3DS and using the token as part of a card payment.
For use with future Customer Initiated Payments (CIT)
Using:
Recurring Payments
Request 3DS authentication with the challenge set as mandated for SCA compliance. Send a card payments Customer Initiated Transaction (CIT) request.
Using: