Payment Gateway
Card Acquiring API
Accept credit and debit cards through a secure REST API with live and sandbox credentials, multi-gateway connectivity, and full operational visibility.
One API for card payments across multiple acquiring gateways
PayoFlux’s payment gateway lets your backend charge cards without managing each acquirer separately. You send a charge request with encrypted card data, and the platform handles risk checks, gateway routing, authorization (including 3DS when required), status confirmation, and webhook notification.
- Live and sandbox charge APIs
- Encrypted card payloads
- Idempotency support
- Status lookup + webhooks
- Multi-gateway routing ready
How a gateway charge works
Authenticate with API keys
Use test keys on sandbox paths and live keys on production paths. Credentials are merchant-scoped and can be rotated from the dashboard.
Submit an encrypted charge
Your server sends amount, currency, order reference, and encrypted card details to the charge endpoint, optionally with an idempotency key.
Risk and routing run first
Configurable risk rules evaluate the request. Eligible traffic is routed to the best available acquiring connector using your routing rules.
Authorize and confirm
The gateway authorizes or challenges the cardholder. Final status is available via status API and delivered to your systems through webhooks.
Why merchants use this
Avoid gateway lock-in
Connect once to PayoFlux and reach multiple acquirers without rebuilding your payment stack for every new bank relationship.
Sandbox before live
Validate approvals, declines, and 3DS in test mode so engineering and QA sign off before customer traffic goes live.
Operational clarity
Every charge appears in the merchant dashboard with timelines, exports, and webhook history for support and finance teams.
Where this fits your business
Product checkout
Charge cards from your application backend when customers complete purchase in your own UI.
High-volume platforms
Use routing and cascading to protect authorization rates as transaction volume and markets grow.
Continue exploring
Simplify Payments with PayoFlux
One platform to accept, manage, and scale your payment operations.
