Payment Methods

PayTo

PayTo enables businesses to accept real-time customer transactions for one off and recurring payments such as memberships and subscriptions. PayTo offers the same set-and-forget benefits of direct debit, but with more speed, simplicity and security. Customers can setup a PayTo agreement using either their PayID or bank account details.

PayID

PayID streamlines the payment process by allowing businesses to generate a unique PayID for each transaction or customer. Instead of asking customers to provide their credit card or bank account details, businesses can provide them with a unique email address to make a payment to via their online banking. Paying via PayID provides a secure, real-time transfer of funds between a customer and the business.

Online Credit Cards

Credit card payments are a convenient way to pay for goods and services online, using a customer’s credit card information to send funds from their account to the business they are purchasing from.

Direct Debit

Direct Debit is a financial arrangement that allows a person or business to authorise withdrawals from their bank account on a regular basis. This payment method is commonly used for recurring bills, subscriptions, and other fixed expenses. Unlike other payment methods, Direct Debit transactions are not processed in real time.

In-Person Payments via a Terminal

Card present payments help businesses take face-to-face credit card payments via a physical terminal.

Choosing Your Integration Method

The chart below provides an easy to follow breakdown of which integration method you should choose depending on the types of payments you wish to accept.

flowchart TD
    
    A[What payment products <br>do you want?] --> B["PayTo"]
    B["PayTo"] --> D["Direct API <br>Integration"]

    A[What payment products <br>do you want?] --> PID["PayID"]
    PID["PayID"] --> DPID["Direct API <br>Integration"]

    A[What payment products <br>do you want?] --> C["Credit Cards"]
    C["Online <br>Credit Cards"] --> X{"PCI-DSS <br>Scope?"}
    X{"PCI-DSS <br>Scope?"} -->|"Minimal <br>(SAQ A)"| Y["Secure Panel <br>Integration"]
    X{"PCI-DSS <br>Scope?"} -->|"Full <br>(SAQ D)"| Z["Direct API <br>Integration"]

    A[What payment products <br>do you want?] --> T["In-Person <br>Payments"]
    T["In-Person <br>Payments"] --> TX["Direct API <br>Integration"]

    A[What payment products <br>do you want?] --> DD["Direct Debit"]
    DD["Direct Debit"] --> TZ["Direct API <br>Integration"]