Merchant Integration Guide

This Merchant Integration guide walks you through the steps to start accepting payments quickly and securely using Paypercut.
Whether you want a fully customized checkout experience, a checkout page, or a plug-and-play solution
for your website or e-commerce platform, we’ve got you covered.
By the end of this guide, you will be able to:

• Onboard your business
• Choose the right integration method for your needs
• Start accepting payments securely
• Handle webhooks, errors, and transaction scenarios effectively
• Configure payouts
• Complete the go-live checklist

Merchant Onboarding

To activate payments, your business must first complete the onboarding process:

1. Log in to the Merchant Dashboard with your credentials.
2. You will be directed to start filling in your business details.
3. Provide required business and financial information.
4. Submit verification documents (as requested).
5. Regional coverage & currencies: Paypercut supports merchants in CEE, Baltics, and Turkey. You can accept payments in BGN, DKK, SEK, NOK, GBP, EUR, USD, CHF, CZK, HUF, PLN, and RON.

Obtain API Keys

1. Log in to your Merchant Dashboard.
2. Go to API Keys → Create New API keys.
3. There are two different types of keys based on your account (sandbox, production):
   • Sandbox API Key – for testing.
   • Production API Key – for live transactions (requires merchant onboarding).

Store your keys securely. Do not expose production keys in frontend code.

Environment URLs

When integrating with the Paypercut API, you'll work with two environments:

• A staging environment for application development and testing purposes.
• A production environment for live operations.

Environment	Base URL
Production	https://api.paypercut.io

Authentication

All API calls require API key authentication.

• Use sandbox keys in testing.
• Switch to production keys when ready to go live.
• Detailed request formats can be found in the API Reference.

Choose Your Integration Method

Integration Method	Description	Setup Required	Best For
Direct API Integration	Connect your backend directly to Paypercut APIs	API keys, backend development, webhooks	Custom checkout, full control over payment flow
Checkout	Paypercut checkout page embedded in your site or as a redirect	Copy JS snippet or redirect	Fast setup, minimal development, PCI-light solution
Plugins / Extensions	Ready-made plugins for CMS/e-commerce platforms (Shopify, WooCommerce, Magento, etc.)	Install plugin, enter API keys	Plug-and-play, minimal technical effort, quick go-live

API Reference & Requests

For detailed request formats, payloads, and examples, see the API Reference.

Payment Profiles

A payment profile defines which payment methods your merchant account can use. Each merchant needs
at least one payment profile.

Required Information

• Accepted payment methods (card, banking, wallets)
• Capture mode for card payments: Manual or Instant

Card Payment Configuration

Option	Description
Payment Contract Type	One-off (single payment), Recurring (subscriptions)
Card Auth Type	Pre-auth (reserve funds), Final-auth (capture full amount), Account status check (validate card for future use)
Capture Mode	Instant (auto-capture), Manual (capture later)
Wallet Types	Google Pay, Apple Pay
3D Secure	Frictionless or challenge flow

Statement Descriptor

The statement descriptor appears on cardholder statements.

• Can be set per payment profile using the Dynamic Descriptor field
• Must be 5–18 characters, only Latin alphanumeric and spaces

Webhooks & Event Handling

You can configure webhook endpoints via the API to be notified about events that happen in your Paypercut account.

• Listen to events for real-time updates.
• Full webhook payloads and validation are described in the API Reference.

Test Payments & Error Handling

You can use the following card numbers to execute test transaction scenarios.

Card Number	Card Brand	Scenario
5204 2477 5000 1471	MASTERCARD	Successful Frictionless Authentication
4000 0200 0000 0000	VISA	Successful Frictionless Authentication
4005 5622 3121 2123	VISA	Successful Challenge Authentication - Method not Required
4761 3699 8032 0253	VISA	Successful Mandated Challenge Authentication
4000 0000 0000 0341	VISA	Successful Out-of-Band Challenge Authentication
4005 5717 0111 1111	VISA	Attempted Challenge Authentication
4111 1111 1111 1111	VISA	Authentication Attempted
4264 2815 1111 2228	VISA	Authentication Failed
5405 0011 1111 1165	MASTERCARD	Authentication Unavailable
4055 0111 1111 1111	VISA	Failed Challenge Authentication
4264 2815 0000 3339	VISA	3DS Directory Server Error
4264 2815 0000 1119	VISA	Internal 3DS Server Error
4200 0000 0000 0002	VISA	Successful Frictionless Authentication
4200 0000 0000 0004	VISA	Successful Challenge Authentication
4200 0000 0000 0014	VISA	Successful Challenge Authentication - Method not Required
4200 0000 0000 0015	VISA	Successful Mandated Challenge Authentication
4200 0000 0000 0006	VISA	Authentication Unavailable
4200 0000 0000 0007	VISA	Authentication Rejected

All test cards work with any future expiry date and any CVV.
Use idempotency keys to prevent duplicate charges.
Detailed error messages and codes are in the API Reference.

Payouts

Merchants receive payouts to their linked bank account, scheduled as agreed during the onboarding process (daily, weekly, monthly).

Frequency	Description
Daily	All cleared funds are transferred daily
Weekly	Aggregated payouts once per week
Monthly	Monthly settlements

Going Live Checklist

Before going live, make sure you’ve completed the following steps:

• Completed your onboarding
• Configured at least one payment profile
  • Enabled card payments (if applicable)
  • Set up the correct transaction types
• Confirm integration completeness by:
  • Updating all API endpoints from sandbox to production URLs
  • Implementing error handling
  • Configuring webhook handling
  • Testing success and failure flows
  • Replacing sandbox keys with production keys
  • Enabling production webhooks
  • Performing a small test transaction in production and verifying the complete flow
• Confirmed your bank account details for payouts